3999 East Arapahoe Road
Centennial, Colorado  80122
(303) 740-7063 / (303) 740-7164 (Fax)
www.arapahoecu.org

VISA PLATINUM AND VISA CLASSIC
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. 

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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 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  if  you  had  a  zero  or  credit  balance  at  the  beginning  of  that  billing  cycle,  or  you  paid  the
entire new balance on the  previous cycle's billing statement by the payment due  date of that statement; otherwise a
finance charge will accrue from the date a purchase is posted to your account. 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, add any new purchases, and subtract
any  payments  and/or  credits.  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.  
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. Balance transfers are calculated in the same manner as 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.  
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.  Late  Payment  Fee.  If  your  account  is  subject  to  a  Late  Payment  Fee,  the  fee  will  be  charged  to  your  account
when you do not make the required minimum payment by or within the number of days of the statement Payment Due
Date set forth on the Disclosure accompanying this Agreement. 
c.  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. 
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. 
e.  PIN Replacement Fee. If your account is subject to a PIN Replacement Fee, a fee will be charged to your account
whenever you request a new PIN number for your account. 
f.  Card  Replacement  Fee.  If  your  account  is  subject  to  a  Card  Replacement  Fee,  a  fee  will  be  charged  for  each
replacement card that is issued to you for any reason. 

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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  2.75%  of  your  total  new 
balance,  or  $25.00,  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 3999 E Arapahoe Rd., Centennial, CO 80122 or telephone (303) 740-7063 Monday 
through Friday 8:00 a.m. to 5:00 p.m. or (800) 453-4270 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 

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access checks issued to the authorized user. If you cannot return the authorized user's card or access checks and i
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 credi
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  fo
emergency 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  o
adjustments, and they will do so by sending the Credit Union a credit slip which will be posted to your account. If you
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  o
automatically after six (6) months. 
17.  ADDITIONAL  BENEFITS/CARD  ENHANCEMENTS  — The  Credit  Union  may  from  time  to  time  offer  additiona
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  financia
institution to honor your card. The Credit Union is subject to claims and defenses (other than tort claims) arising out o
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 advertisemen
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 al
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  accoun
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 o
any  alleged  oral  agreement.  Should  any  part  of  this  Agreement  or  the  Disclosure  be  found  to  be  invalid  o
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.  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  fo
additional information regarding the Penalty Rate. 
26.  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. 
27.  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. 
28.  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: 

Arapahoe Credit Union 
3999 E Arapahoe Rd. 
Centennial, CO 80122 

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You may also contact us on the Web: www.arapahoecu.org
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. 
•  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: 

Arapahoe Credit Union 
3999 E Arapahoe Rd. 
Centennial, CO 80122 
www.arapahoecu.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. 

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

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