VISA PLATINUM
CONSUMER CREDIT CARD AGREEMENT

In  this  Agreement,  “Agreement”  means  this  Consumer  Credit  Card  Agreement.  “Disclosure”  means  the  Credit  Card
Account Opening Disclosure. The Account Opening Disclosure is incorporated into this Consumer Credit Card Agreement
and is part of the Agreement.  In  this  Agreement  the  words  "you,"  “your,”  and  "yours"  mean  each  and  all  of  those  who
agree to be bound by this Agreement; "card" means the Visa credit card and any duplicates, renewals, or substitutions the
Credit Union issues to you; "account" means your Visa credit card line-of-credit account with the Credit Union; and "Credit
Union"  means  the  Credit  Union  whose  name  appears  on  this  Agreement  or  anyone  to  whom  the  Credit  Union  transfers
this Agreement.
1. USING YOUR ACCOUNT — If you are approved for an account, the Credit Union will establish a line of credit for you.
You  agree  that  your  credit  limit  is  the  maximum  amount  (purchases,  cash  advances,  finance  charges,  plus  "other
charges") which you will have outstanding on your account at any time. Unless disclosed otherwise, the Credit Union will
not allow advances over the credit limit.  If  the  Credit  Union  has  a  program  whereby  it  allows  payment  of  advances  that
exceed  your  credit  limit,  subject  to  a  fee,  the  Credit  Union  will  provide  you  with  notice,  either  orally,  in  writing,  or
electronically (notwithstanding the requirements of the paragraph entitled “Statements and Notices”) explaining your right
to opt in to the Credit Union’s program whereby it will honor advance requests over the credit limit. In the event you opt in
to such a program, you agree to the terms of such a program. You may request an increase in your credit limit only by a
method  acceptable  to  the  Credit  Union.  The  Credit  Union  may  increase  or  decrease  your  credit  limit,  refuse  to  make  an
advance  and/or  terminate  your  account  at  any  time  for  any  reason  not  prohibited  by  law.  If  you  are  permitted  to  obtain
cash advances on your account, we may, from time to time, issue convenience checks to you that may be drawn on your
account.  Convenience  checks  may  not  be  used  to  make  a  payment  on  your  account  balance.  If  you  use  a  convenience
check,  it  will  be  posted  to  your  account  as  a  cash  advance.  We  reserve  the  right  to  refuse  to  pay  a  convenience  check
drawn on your account for any reason and such refusal shall not constitute wrongful dishonor.
You  may  request  that  we  stop  the  payment  of  a  convenience  check  drawn  on  your  account.  You  agree  to  pay  any  fee
imposed  to  stop  a  payment  on  a  convenience  check  issued  on  your  account.  You  may  make  a  stop  payment  request
orally,  if  permitted,  or  in  writing.  Your  request  must  be  made  with  sufficient  time  in  advance  of  the  presentment  of  the
check  for  payment  to  give  us  a  reasonable  opportunity  to  act  on  your  request.  In  addition,  your  request  must  accurately
describe  the  check  including  the  exact  account  number,  the  payee,  any  check  number  that  may  be  applicable,  and  the
exact amount of the check. If permitted, you may make a stop payment request orally but such a request will expire after
14 days unless you confirm your request in writing within that time. Written stop payment orders are effective only for six
(6) months and may be renewed for additional  six  month  periods  by  requesting  in  writing  that  the  stop  payment  order  be
renewed. We are not required to notify you when a stop payment order expires. If we re-credit your account after paying a
check  or  draft  over  a  valid  and  timely  stop  payment  order,  you  agree  to  sign  a  statement  describing  the  dispute  with  the
payee,  to  assign  to  us  all  of  your  rights  against  the  payee  or  other  holders  of  the  check  or  draft  and  to  assist  us  in  any
legal  action.  You  agree  to  indemnify  and  hold  us  harmless  from  all  costs  and  expenses,  including  attorney's  fees,
damages, or claims, related to our honoring your stop payment request or in failing to stop payment of an item as a result
of incorrect information provided to us or the giving of inadequate time to act upon a stop payment request.

2. USING  YOUR  CARD  —  You  understand  that  the  use  of  your  credit  card  will  constitute  acknowledgement  of  receipt
and agreement to the terms of the Credit Card Agreement and Credit Card Account Opening Disclosure (Disclosure). You
may  use  your  card  to  make  purchases  from  merchants  and  others  who  accept  your  card.  The  credit  union  is  not
responsible  for  the  refusal  of  any  merchant  or  financial  institution  to  honor  your  card.  If  you  wish  to  pay  for  goods  or
services over the Internet, you may be required to provide card number security information before you will be permitted
to  complete  the  transaction.  In  addition,  you  may  obtain  cash  advances  from  the  Credit  Union,  from  other  financial
institutions that accept your card, and from some automated teller machines (ATMs). (Not all ATMs accept your card.) If
the  credit  union  authorizes  ATM  transactions  with  your  card,  it  will  issue  you  a  personal  identification  number  (PIN).  To
obtain  cash  advances  from  an  ATM,  you  must  use  the  PIN  issued  to  you  for  use  with  your  card.  You  agree  that  you  will
not use your card for any transaction that is illegal under applicable federal, state, or local law. Even if you use your card
for an illegal transaction, you will be responsible for all amounts and charges incurred in connection with the transaction. If
you  are  permitted  to  obtain  cash  advances  on  your  account,  you  may  also  use  your  card  to  purchase  instruments  and
engage in transactions that we consider the equivalent of cash. Such transactions will be posted to your account as cash
advances and include, but are not limited to, wire transfers, money orders, bets, lottery tickets, and casino gaming chips,
as applicable. This paragraph shall not be interpreted as permitting or authorizing any transaction that is illegal.

3. PROMISE  TO  PAY  —  You  promise  to  pay  all  charges  (purchases,  cash  advances,  balance  transfers,  use  of
convenience checks or any other charge) made to your account by you or anyone you authorize to use your account. You
also  promise  to  pay  all  finance  charges  and  other  charges  added  to  your  account  under  the  terms  of  this  Agreement  or

©CUNA MUTUAL GROUP, 1991, 2006, 09, ALL RIGHTS RESERVED

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another  agreement  you  made  with  the  Credit  Union.  If  this  is  a  joint  account,  the  paragraph  on  JOINT  ACCOUNTS  also
applies to your account.
4. PERIODIC  RATES  —  The  periodic  rates  applicable  to  purchases,  cash  advances,  and  balance  transfers  are
disclosed on the Disclosure that accompanies this Agreement. Any penalty rate that may be imposed for failing to make a
payment  by  the  payment  due  date  is  also  disclosed  on  the  Disclosure.  Any  rate  change  will  be  made  pursuant  to
applicable law. If the rate for your account is variable, as indicated on the accompanying Disclosure, the rate charged on
purchases,  cash  advances,  balance  transfers  and  any  penalty  rate  will  vary  periodically  as  disclosed  in  the  Disclosure
accompanying  this  Agreement.  The  initial  rate  on  your  account  for  certain  types  of  transactions  may  be  an  introductory
discounted rate (Introductory Rate) that is lower than the rate that would ordinarily apply for that type of transaction. If an
Introductory  Rate  applies  to  your  account,  the  rates  and  the  period  of  time  it  will  be  effective  is  shown  on  the  Disclosure
accompanying  this  Agreement.  After  the  Introductory  Rate  period  expires,  the  periodic  rate  will  automatically  increase  to
the rates that would ordinarily apply for that type of transaction based on the terms of this Agreement.
5. FINANCE CHARGES — New purchases posted to your account during a billing cycle will not incur a finance charge
for  that  billing  cycle.  Finance  charge  begins  to  accrue  on  those  purchases  from  the  first  day  of  the  next  billing  cycle,
unless  you  paid  the  entire  new  balance  on  the  previous  cycle’s  billing  statement  by  the  payment  due  date  of  that
statement.  To  avoid  an  additional  finance  charge  on  the  balance  of  purchases,  you  must  pay  the  entire  new  balance  on
the  billing  statement  by  the  payment  due  date  of  that  statement.  A  finance  charge  begins  to  accrue  on  cash  advances
from  the  date  you  get  the  cash  advance  or  from  the  first  day  of  the  billing  cycle  in  which  the  cash  advance  is  posted  to
your account, whichever is later.

The  finance  charge  is  calculated  separately  for  purchases  and  cash  advances.  For  purchases,  the  finance  charge  is
computed  by  applying  the  periodic  rate  to  the  average  daily  balance  of  purchases.  To  get  the  average  daily  balance  of
purchases, we take the beginning outstanding balance of purchases each day and subtract any payments and/or credits
that we apply to the purchase balance. (We do not add in any purchases posted during the billing cycle.) This gives us the
daily balance of purchases. Then, we add all the daily balances of purchases for the billing cycle together and divide the
total  by  the  number  of  days  in  the  billing  cycle.  This  gives  us  the  average  daily  balance  of  purchases.  Balance  transfers
are calculated in the same manner as purchases.
For  cash  advances,  the  finance  charge  is  computed  by  applying  the  periodic  rate  to  the  average  daily  balance  of  cash
advances.  To  get  the  average  daily  balance  of  cash  advances,  we  take  the  beginning  outstanding  balance  of  cash
advances each day, add in any new cash advances, and subtract any payments and/or credits that we apply to the cash
advance  balance.  This  gives  us  the  daily  balance  of  cash  advances.  Then,  we  add  all  the  daily  balances  of  cash
advances  for  the  billing  cycle  together  and  divide  the  total  by  the  number  of  days  in  the  billing  cycle.  This  gives  us  the
average daily balance of cash advances.
6. FOREIGN  TRANSACTIONS  —  Purchases  and  cash  advances  made  in  foreign  currencies  will  be  debited  from  your
account in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing
international transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the
applicable  central  processing  date,  which  rate  may  vary  from  the  rate  Visa  itself  receives  or  the  government-mandated
rate  in  effect  for  the  applicable  central  processing  date.  The  exchange  rate  used  on  the  processing  date  may  differ  from
the rate that would have been used on the purchase date or cardholder statement posting date.
A  fee  (finance  charge),  calculated  in  U.S.  dollars,  will  be  imposed  on  all  foreign  transactions,  including  purchases,  cash
advances and credits to your account. A foreign transaction is any transaction that you complete or a merchant completes
on  your  card  outside  of  the  United  States,  with  the  exception  of  U.S.  military  bases,  U.S.  territories,  U.S.  embassies  or
U.S. consulates. The Foreign Transaction Fee is set forth on the Disclosure accompanying this Agreement.
7. FEES — In addition to the periodic rate, the following additional fees may be imposed on your account. If applicable to
your  account,  the  fee  amounts  and  explanations  are  disclosed  on  the  Disclosure  accompanying  this  Agreement.  Your
account may also be subject to additional fees as set forth on the Disclosure accompanying this Agreement.
a. Foreign  Transaction  Fee  (Finance  Charge).  If  your  account  is  subject  to  a  Foreign  Transaction  Fee  (finance
charge), a fee may be charged to your account for transactions made outside of the United States or in a foreign currency.
b. Returned  Payment  Fee.  If  your  account  is  subject  to  a  Returned  Payment  Fee,  the  fee  will  be  charged  to  your
account when a payment is returned to you for any reason.

c. Statement  Copy  Fee.  If  your  account  is  subject  to  a  Statement  Copy  Fee,  except  as  limited  by  applicable  law  and
when  the  request  is  made  in  connection  with  a  billing  error  made  by  the  credit  union,  a  fee  may  be  charged  to  your
account for each copy of a sales draft or statement that you request.

d. Rush Fee. If your account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to your
account  for  each  rush  card  that  you  request,  providing  delivery  of  the  card  is  also  available  by  standard  mail  service,
without paying a fee for delivery.

8. PAYMENTS  —  Each  month  you  must  pay  at  least  the  minimum  payment  shown  on  your  statement  by  the  date
specified  on  the  statement.  You  may  pay  more  frequently,  pay  more  than  the  minimum  payment  or  pay  the  total  new
balance  in  full.  If  you  make  extra  or  larger  payments,  you  are  still  required  to  make  at  least  the  minimum  payment  each
month  your  account  has  a  balance  (other  than  a  credit  balance).  The  minimum  payment  is  3.50%  of  your  total  new

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balance,  or  $10.00,  whichever  is  greater,  plus  the  amount  of  any  prior  minimum  payments  that  you  have  not  made,  and
any amount you are over your credit limit. In addition to the minimum payment, you must also pay, by the date specified
above,  the  amount  of  any  prior  minimum  payment(s)  that  you  have  not  made,  all  outstanding  unpaid  fees  and  charges,
and any amount you are over your credit limit. The Credit Union also has the right to demand immediate payment of any
amount by which you are over your credit limit.
9. PAYMENT  ALLOCATION  —  Subject  to  applicable  law,  your  payments  may  be  applied  to  what  you  owe  the  Credit
Union in any manner the Credit Union chooses.  However,  in  every  case,  in  the  event  you  make  a  payment  in  excess  of
the  required  minimum  periodic  payment,  the  Credit  Union  will  allocate  the  excess  amount  first  to  the  balance  with  the
highest annual percentage rate and any remaining portion to the other balances in descending order based on applicable
annual percentage rate.

10. SECURITY  INTEREST  —  You  grant  the  Credit  Union  a  security  interest  under  the  Uniform  Commercial  Code  and
under  any  common  law  rights  the  Credit  Union  may  have  in  any  goods  you  purchase.  If  you  give  the  Credit  Union  a
specific pledge of shares by signing a separate pledge of shares, your pledged shares will secure your account. You may
not withdraw amounts that have been specifically pledged to secure your account until the Credit Union agrees to release
all or part of the pledged amount.

Your  Account  is  secured  by  all  other  shares  you  have  in  any  individual  or  joint  account  with  the  Credit
Union,  except  for  shares  in  an  Individual  Retirement  Account  or  in  any  other  account  that  would  lose
special tax treatment under state or federal law if given as security. These other shares may be withdrawn
unless you are in default under this agreement. You authorize the Credit Union to apply the balance in your
individual or joint share accounts to pay any amounts due on your Account if you should default.

Collateral securing other loans you have with the Credit Union may also secure this loan, except that a dwelling will never
be considered as security for this account, notwithstanding anything to the contrary in any other agreement.

11. DEFAULT —  You  will  be  in  default  if  you  fail  to  make  any  minimum  payment  or  other  required  payment  by  the  date
that it is due. You will be in default if you break any promise you make under this Agreement. You will be in default if you
die, file for bankruptcy or become insolvent, that is, unable to pay your obligations when they become due. You will be in
default if you make any false or misleading statements in any credit application or credit update. You will also be in default
if something happens that the Credit Union believes may substantially reduce your ability to repay what you owe.
When  you  are  in  default,  the  Credit  Union  has  the  right  to  demand  immediate  payment  of  your  full  account  balance
without  giving  you  notice.  If  immediate  payment  is  demanded,  you  agree  to  continue  paying  finance  charges  at  the
periodic  rate  charged  before  default,  until  what  you  owe  has  been  paid,  and  any  shares  that  were  given  as  security  for
your account may be applied towards what you owe.

12. LIABILITY  FOR  UNAUTHORIZED  USE-LOST/STOLEN  CARD  NOTIFICATION  —  You  agree  to  notify  us
immediately, orally or in writing, at PO Box 58346, Houston, TX 77258 or telephone 866-692-9364 seven (7) days a week,
24 hours a day, of the loss, theft, or unauthorized use of your credit card. You may be liable for the unauthorized use of
your  credit  card.  You  will  not  be  liable  for  unauthorized  use  that  occurs  after  you  notify  us  of  the  loss,  theft,  or  possible
unauthorized use. You will have no liability for unauthorized purchases made with your credit card, unless you are grossly
negligent in the handling of your card. In any case, your liability will not exceed $50.00.

13. CHANGING OR TERMINATING YOUR ACCOUNT —  As  permitted  by  law,  the  Credit  Union  may  change  the  terms
of  this  Agreement  and  any  attached  Disclosure  from  time  to  time.  Notice  of  any  change  will  be  given  in  accordance  with
applicable  law.  If  permitted  by  law  and  specified  in  the  notice  to  you,  the  change  will  apply  to  your  existing  account
balance as well as to future transactions.
Either you or the Credit Union may terminate this Agreement at any time, but termination by you or the Credit Union will
not affect your obligation to pay the account balance plus any finance and other charges you owe under this Agreement.
Your obligation to pay the account balance plus any finance and other charges you owe under this agreement are subject
to  all  applicable  laws  and  regulations  regarding  repayment  requirements.  You  are  also  responsible  for  all  transactions
made to your account after termination, unless the transactions were unauthorized.

The card or cards you receive remain the property of the Credit Union and you must recover and surrender to the Credit
Union  all  cards  upon  request  or  upon  termination  of  this  Agreement  whether  by  you  or  the  Credit  Union.  If  this  is  a  joint
account, the paragraph on JOINT ACCOUNTS of this Agreement also applies to termination of the account.

14. CHANGING  OR  TERMINATING  AUTHORIZED  USERS  —  Upon  your  request,  we  may  issue  additional  cards  for
authorized  users  that  you  designate.  You  must  notify  us  in  writing  of  any  termination  of  an  authorized  user's  right  to
access  your  account.  Your  letter  must  include  the  name  of  the  authorized  user  and  your  account  number  and/or  any
subaccount  number  issued  to  the  authorized  user  along  with  the  authorized  user's  card  and  any  convenience  or  other
access checks issued to the authorized user. If you cannot return the authorized user's card or access checks and if you
request your account to be closed, we will close your account and you may apply for a new account.

15. CREDIT  REVIEW  AND  RELEASE  OF  INFORMATION  —  You  authorize  the  Credit  Union  to  investigate  your  credit
standing when opening or reviewing your account. You authorize the Credit Union to disclose information regarding your
account  to  credit  bureaus  and  creditors  who  inquire  about  your  credit  standing.  If  your  account  is  eligible  for  emergency

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cash  and/or  emergency  card  replacement  services,  and  you  request  such  services,  you  agree  that  we  may  provide
personal information about you and your account that is necessary to provide you with the requested service(s).
16. RETURNS  AND  ADJUSTMENTS  —  Merchants  and  others  who  honor  your  card  may  give  credit  for  returns  or
adjustments,  and  they  will  do  so  by  sending  the  Credit  Union  a  credit  slip  which  will  be  posted  to  your  account.  If  your
credits  and  payments  exceed  what  you  owe  the  Credit  Union,  the  amount  will  be  applied  against  future  purchases  and
cash  advances.  If  the  credit  balance  amount  is  $1.00  or  more,  it  will  be  refunded  upon  your  written  request  or
automatically after six (6) months.

17. ADDITIONAL  BENEFITS/CARD  ENHANCEMENTS  —  The  Credit  Union  may  from  time  to  time  offer  additional
services  to  your  account,  such  as  travel  accident  insurance,  at  no  additional  cost  to  you.  You  understand  that  the  Credit
Union is not obligated to offer such services and may withdraw or change them at any time.

18. MERCHANT DISPUTES — The Credit Union is not responsible for the refusal of any merchant or financial institution
to honor your card.  The  Credit  Union  is  subject  to  claims  and  defenses  (other  than  tort  claims)  arising  out  of  goods  or
services  you  purchase  with  the  card  if  you  have  made  a  good  faith  attempt  but  have  been  unable  to  obtain  satisfaction
from the merchant or service provider, and (a) your purchase was made in response to an advertisement the Credit Union
sent  or  participated  in  sending  to  you;  or  (b)  your  purchase  cost  more  than  $50.00  and  was  made  in  your  state  or  within
100 miles of your home.

19. JOINT  ACCOUNTS  —  If  this  is  a  joint  account,  each  of  you  will  be  individually  and  jointly  responsible  for  paying  all
amounts  owed  under  this  Agreement.  This  means  that  the  Credit  Union  can  require  any  one  of  you  individually  to  repay
the entire amount owed under this Agreement. Each of you authorizes the other(s) to make purchases or cash advances
individually. Any one of you may terminate the account and the termination will be effective as to all of you.
20. EFFECT OF AGREEMENT — This Agreement is the contract which applies to all transactions on your account even
though the sales, cash advances, credit or other slips you sign or receive may contain different terms.

21. NO WAIVER — The Credit Union can delay enforcing any of its rights any number of times without losing them.
22. STATEMENTS AND NOTICES — Statements and notices will be mailed to you at the appropriate address you have
given the Credit Union. Notice sent to any one of you will be considered notice to all.

23. SEVERABILITY  AND  FINAL  EXPRESSION  —  This  Agreement  and  the  Disclosure  are  the  final  expression  of  the
terms and conditions of your account. This written Agreement and Disclosure may not be contradicted by evidence of any
alleged  oral  agreement.  Should  any  part  of  this  Agreement  or  the  Disclosure  be  found  to  be  invalid  or  unenforceable,  all
other  parts  of  this  Agreement  and  Disclosure  shall  remain  in  effect  and  fully  enforceable  to  the  fullest  extent  possible
under this Agreement.
24. COPY RECEIVED — You acknowledge that you have received a copy of this Agreement and Disclosure.

25. INTERNET  GAMBLING  TRANSACTIONS  PROHIBITED  —  You  may  not  use  your  card  to  initiate  any  type  of
electronic gambling transaction through the Internet.
26. PENALTY  RATE  DISCLOSURES  —  If  applicable  to  your  account,  all  rates  for  your  account,  including  the  rates  for
purchases,  cash  advances,  and  balance  transfers,  will  increase  to  the  Penalty  Rate  shown  on  the  Disclosure
accompanying  this  Agreement  when  you  meet  one  or  more  of  the  conditions  as  set  forth  in  the  Disclosure.  Any  rate
increases  applied  to  your  account  are  subject  to  applicable  notice  requirements.  Please  refer  to  the  Disclosure  for
additional information regarding the Penalty Rate.
27. NOTICE TO UTAH BORROWERS — This written agreement is a final expression of the agreement between you and
the Credit Union. This written agreement may not be contradicted by evidence of any oral agreement.

28. THE  FOLLOWING  IS  REQUIRED  BY  VERMONT  LAW  —  NOTICE  TO  CO-SIGNER  —  YOUR  SIGNATURE  ON
THIS  NOTE  MEANS  THAT  YOU  ARE  EQUALLY  LIABLE  FOR  REPAYMENT  OF  THIS  LOAN.  IF  THE  BORROWER
DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.

29. NOTICE  TO  ALABAMA  BORROWERS  —  CAUTION:  IT  IS  IMPORTANT  THAT  YOU  THOROUGHLY  READ  THIS
AGREEMENT BEFORE YOU SIGN IT.

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:

JSC Federal Credit Union
PO Box 58346
Houston, TX 77258

You may also contact us on the Web: www.JSCFCU.org
In your letter, give us the following information:

•  Account information: Your name and account number.

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•  Dollar amount: The dollar amount of the suspected error.
•  Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why

you believe it is a mistake.

You must contact us:

•  Within 60 days after the error appeared on your statement.
•  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount

you think is wrong.

You must notify us of any potential errors in writing [or electronically]. You may call us, but if you do we are not required
to investigate any potential errors and you may have to pay the amount in question.

What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:

1. Within 30 days of receiving your letter, we must tell you that we received your  letter. We will also tell you if we

have already corrected the error.

2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is

correct.

While we investigate whether or not there has been an error:

•  We cannot try to collect the amount in question, or report you as delinquent on that amount.
•  The charge in question may remain on your statement, and we may continue to charge you interest on that

amount.

•  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
•  We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen:

• 

• 

If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to
that amount.
If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable
interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may
then report you as delinquent if you do not pay the amount we think you owe.

If you receive our explanation but still believe your bill is wrong, you must write to us within  10 days telling us that you still
refuse  to  pay.  If  you  do  so,  we  cannot  report  you  as  delinquent  without  also  reporting  that  you  are  questioning  your  bill.
We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know
when the matter has been settled between us.

If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is
correct.

Your Rights if You Are Dissatisfied With Your Credit Card Purchases

If  you  are  dissatisfied  with  the  goods  or  services  that  you  have  purchased  with  your  credit  card,  and  you  have  tried  in
good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the
purchase.

To use this right, all of the following must be true:

1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and

the purchase price must have been more than $50. (Note: Neither of these  are necessary if your purchase was
based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with

a check that accesses your credit card account do not qualify.

3. You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us  in  writing  [or  electronically]
at:

JSC Federal Credit Union
PO Box 58346
Houston, TX 77258

www.JSCFCU.org

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.

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