Account.  You  understand  that  any  such  preauthorized  recurring 
INTEGRATED  DOCUMENTS.  Any  separate  sheet  of  paper 
charges  will  continue  unless  discontinued  by  You  directly with  the 
labeled  "Additional  Disclosure-Federal  Truth-In-Lending  Act" 
service provider with whom You preauthorized the recurring charge.  which  is  delivered  to  You  and  relates  to  this  Agreement  is  an 

integrated part of this  Agreement and  Disclosure. 

To  ensure  that  recurring  preauthorized  charges  established  and 
authorized  by You  are  not interrupted  in  the  event that Your Card  UPDATING AND  DISCLOSING  FINANCIAL INFORMATION.  You 
or  other  Access  Device  is  reissued,  We  may ,  but  are  under  no  will  provide  facts  to  update  personal  information  or other financial 
information  related to You, at Our request.  You  also agree that We 
obligation  to  do  so,  enroll  Your  account  in  automatic  account 
may,  from  time  to  time,  as  We  deem  necessary,  make  inquiries 
information  update  services  that  communicate  new  Card/Access 
pertaining  to  Your  employment,  credit  standing  and  financial 
Device  information  to  the  service  providers  with  whom  You  have 
responsibility  in  accordance  with  applicable  laws  and  regulations. 
established  preauthorized  recurring  charges,  the purpose of which 
You  further  agree  that  We  may  give  information  about  the  status 
is  to  ensure charges  You  authorize continue without interruption. 
and  payment  history of  Your Account to  consumer credit reporting 
agencies,  a prospective  employer or  insurer,  or  a state  or federal 
licensing agency having any apparent legitimate business need lor 
such  information. 

NOTIFICATION  OF  ADDRESS  CHANGE.  You  will  notify  Us 
promptly if  You  move or otherwise  have  a change of address. 

CHANGE IN  TERMS. We may change the terms of this Agreement 
by  mailing  or  delivering  to  You  written  notice  of  the  changes  as 
prescribed  by  the  Federal  Truth-In-Lending  Act.  To  the  extent 
permitted  by  law, the  right  to  change  the  terms of this  Agreement 
includes,  but is not limited to,  the  right to  change the periodic  rate 
applicable to  Your unpaid balance and/or future  advances. 

TERMINATION.  Subject  to  applicable  law,  either  You  or We  may 
cancel  Your Account at any time whether or not You  are in  default. 
You  will,  in  any  case,  remain  liable  to  pay  any  unpaid  balances 
according to  the  terms  of this Agreement. 

GOVERNING LAW. This Agreement is controlled and governed by 
the laws of the  State of Missouri  including  Section  408.145  RSMO 
except to the extent that such  laws are  inconsistent with controlling 
federal  law. 

REFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We 
are  not  liable  tor  the  refusal  or  inability  of  merchants,  financial 
institutions  and  others  to  accept  the  Cards  or Convenience  Checks, 
or  electronic  terminals  to  honor  the  Cards  or  complete  a  Card  ORAL AGREEMENTS.  Oral  agreements  or 
withdrawal , or lor their retention of the Cards or Convenience Checks. 
commitments to  loan  money,  extend  credit 
LOST OR STOLEN CARDS AND/OR CONVENIENCE  CHECKS.  or to forbear from enforcing repayment of a 
To  report  a  lost  or  stolen  Card  or  Convenience  Check ,  You  will  debt including promises to extend or renew 
immediately  call  Us  at  (877)  325-2848  or  (800)  556-5678  after 
such  debt  are  not  enforceable,  regardless 
hours,  on weekends or holidays. 
of the  legal  theory  upon  which  it is  based 
FOREIGN  TRANSACTIONS  (EXCEPT  VISA  SIGNATURE).  For 
that  is  in  any  way  related  to  the  credit 
transactions  initiated  in  foreign  currencies,  the  exchange  rate 
agreement.  To  protect  You  (borrower(s)) 
between  the  transaction  currency  and  the  billing  currency  (U.S. 
dollars) will  be:  (a)  a rate  selected by VISA from  the range of rates  and Us (creditor) from misunderstanding or 
available  in  wholesale currency  markets lor the  applicable  central  disappointment,  any agreements We  reach 
processing  date,  which  rate  may  vary  from  the  rate  VISA  itself  covering such matters are contained in this 
receives;  or  (b)  the  government-mandated  rate  in  effect  lor  the 
applicable  central  processing  date.  For  transactions  occurring  in  writing,  which 
the  complete  and 
foreign  countries or foreign  currencies,  You  will  be  charged  1.00%  exclusive  statement  of  the  agreement 
calculated on  the final  settlement amount. 
between  Us,  except as We  may  later agree 
in writing to modify it. 

is 

EFFECT OF AGREEMENT.  Even though the sales, cash advance, 
credit or other slips  You  may sign or receive  when  using the  Card 
contain  terms,  this  Agreement  is  the  contract which  solely applies 
to  all transactions involving the  Card. 

Your Billing Rights:  Keep  this Document for Future Use 

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 Our 
address  shown  in  this  Agreement.  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 alter 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 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: 

II  We  made  a mistake:  You  will  not have  to  pay  the  amount  in 
question or any interest or other fees  related  to  that amount. 
II 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. 

to  pay.  II 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  $50.00  of  the  amount  You  question 
even  if Your bill  is correct. 

Your Rights If You Are Dissatisfied 

With Your Credit Card Purchases 


II  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  $50.00.  (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 lor the  purchase. 

II  all  of  the  criteria  above  are  met  and  You  are  still  dissatisfied 
with  the  purchase,  contact Us  in  writing  at Our address shown  in 
this  Agreement. 

While We investigate, the same rules apply to the disputed amount 
as  discussed  above.  Alter 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. 

.~gb,EDIT UNION®  

1001  Lynch  Street· St.  Louis,  MO  63118 
(314)  771-7700. (800)  325-9905 

VISA 

VISA Signature 

Platinum  VISA 

CONSENT  TO  AGREEMENT.  You  acknowledge  receipt  of  a 
copy  of  this  Agreement  and  Disclosure.  By  signing 
the 
Application  and  Your  Credit  Card,  by  using  the  Card ,  by  using 
Your  Account  or  by  authorizing  another  to  use  Your  Account, 
You  agree  to  accept its terms. 

This notice tells You  about Your rights and Our responsibilities 
under the Fair Credit Billing Act. 

II  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 

• 	 Copyright Oak Tree Business Systems  Inc., 

1998-2018. All  Rights Reserved. 

OTBS 016 VISA ANHE (5/18) 

THIS  IS  YOUR  CREDIT  CARD  AGREEMENT  AND  DISCLOSURE 
CONTAINING  NECESSARY  FEDERAL  TRUTH-IN-LENDING 
DISCLOSURE STATEMENTS, AND ANY SPECIAL INSTRUCTIONS 
REGARDING  THE  USE  OF  YOUR  CREDIT  CARD.  PLEASE  BE 
SURE TO READ THIS AGREEMENT CAREFULLY AND NOTIFY US 
AT ONCE  IF ANY PARTS ARE  UNCLEAR. 

In  this  Agreement,  the  reference  to  "We,"  "Us ,"  "Our"  and  "Credit 
Union"  mean  the  ANHEUSER-BUSCH  EMPLOYEES'  CREDIT 
UNION  and  its  divisions,  American  Eagle  Credit  Union  and  Purina 
Credit  Union.  The  words  "You"  and  "Your" mean  each  person  who 
accepts  this  Agreement  or  uses  any  Preferred  Platinum  VISA, 
Platinum  Points  VISA,  VISA  Signature,  or  Platinum  VISA  Credit 
Card.  "Account"  means  the  Prefe rred  Platinum  VISA,  Platinum 
Points VISA, VISA Signature, or Platinum VISA  Credit Card Account 
established  for  You.  The  words  "Credit  Card"  or  "Card"  mean  any 
Preferred  Platinum  VISA, Platinum  Points  VISA,  VISA  Signature , or 
Platinum  VISA  Credit  Card  issued  to  You  and  any  duplicates  and 
renewals.  "Convenience  Checks" mean  the special Account  access 
devices that We may provid e for Your use from  time to time.  If this is 
a joint account, read  singular pronouns in  the  plural. 

You  understand the  following  terms constitute the Agreement: 

PROMISE  TO  PAY.  Your  Account  may  be  accessible  through  a 
variety  of  means  which  could  include  advance  request  forms, 
vouchers,  checks,  charge  slips,  Credit  Cards,  Convenience 
Checks,  Online  Access  and  the  like.  Regardless  of  the  access 
means ,  You  promise  to  pay  Us  all  amounts  charged  to  Your 
Account by You or by any user who has access to  Your Account, 
with  actual,  apparent  or  implied  authority  for  use  of  Your 
Account,  including  Finance  Charges  and  other  fees  or  charges 
described  herein. 

JOINT ACCOUNTS.  Each  Cardholder will  be  responsible,  jointly 
for  the  repayment  of  amounts  owed.  You 
and  severally, 
understand that any Card which is requested and approved will be 
mailed only to the primary Cardholder at the address that We have 
on  file for You.  We  may refuse to follow  any instructions which  run 
counter to this provision . 

OWNERSHIP.  Your  Card  remains  Our  property  and  may  be 
cancelled by  Us  at any time  without notice.  You  agree  to  surrender 
Your Card and to discontinue its use immediately upon Our request. 

USE  OF  YOUR  CARD.  You  may  make  purchases  by  presenting 
the  Card to  a participating  plan  merchant or by authorizing  a sales 
draft.  You  may obtain cash  advances by presenting the Card to  Us 
or another financial  institution; by authorizing a cash  advance draft; 
or  by  using  Your  PIN  in  conjunction  with  the  Card  in  an  ATM  or 
other type  of electronic terminal  that honors Your Card.  You  agree 
not  to  use  Your  Card  for  illegal  transactions  including,  but  not 
limited  to,  advances  made  for  the  purposes  of  gambling  and/or 
wagering  where  such  practices  are  in  violation  of applicable  State 
and/or federal  law. 

ISSUANCE  OF  PERSONAL IDENTIFICATION  NUMBER.  We  will 
issue separate  Personal  Identification Numbers (PINs)  for use with 
participating  Automated  Teller  Machines  (ATM).  These  PINs  are 
confidential  and  should  not  be  disclosed  to  anyone.  You  may  use 
Your  PINs  to  access  Your Account and  all  sums  advanced  will  be 
added to Your  balance.  In the event a use of Your PINs constitutes 
an  Electronic  Fund  Transfer,  the  terms  and  conditions  of  Your 
Electronic  Fund  Transfer  Agreement  may  also  affect  Your rights. 
Your use  of these  PINs is Your authorization to  Us to  charge Your 
Account to  cover such  transactions. 

CREDIT  LIMITS.  If  Your  application  for  an  Account  is  approved, 
You  will  be  notified  of  Your specific  Credit Limit(s) for  transactions 
made  under  Your  Account.  Unless  You  are  in  default,  any Credit 
Limit  established  for  You  will  be  self-replenishing  as  You  make 
payments  on  Your  Account.  You  will  keep  Your  unpaid  balance 
within  any Credit Limit set by  Us, and You  will  pay any amount over 
Your Credit  Limit on  Our demand whether or not  We authorize the 
advance  which  caused  You  to  exceed  any  Credit  Limit.  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. 

FINANCE  CHARGES.  In  the  case  of any transactions  under Your 
Account, the  balances subject to  the  periodic  Finance  Charge  are 
the  separate  average  daily  transactions  balances  outstanding 
during  the month  (including  new  transactions)  for  purchases,  cash 
advances, balance transfers and convenience checks.  To get each 
average  daily  balance,  We  take  the  beginning  balance  for 
purchases,  cash  advances,  balance  transfers  and  convenience 
checks  each  day, add  any  new  transactions  for  purchases , cash 
advances,  balance  transfers,  and  convenience  checks  (and 
insurance  premiums,  debit  adjustments  or  other  charges,  as 
applicable),  and  subtract  any  payments,  credits  and  unpaid 
Finance Charges. This gives Us the daily balance(s) for purchases, 
cash advances,  balance transfers and convenience checks.  Then , 
We add up each of the separate daily balances for purchases, cash 
advances , balance transfers and convenience checks for the billing 
cycle and  divide them  by the  number of days  in  the  billing cycle  to 
arrive  at  the  separate  average  daily  transactions  balances  for 
purchases,  cash  advances ,  balance  transfers  and  convenience 
checks.  The  Finance  Charge  for  a  billing  cycle  is  computed  by 
multiplying  each  average  daily  balance  subject  to  a  Finance 
Charge  by  the  applicable Daily  Periodic  Rate  times the  number of 
days  in  the  billing  cycle.  The  sum  of  each  of  these  separate 
Finance  Charge  calculations  is  the  total  Finance  Charge  owed  for 
that billing  cycle. 

You  can  avoid  Finance  Charges  on  purchases,  balance  transfers 
and  convenience  checks  by  paying  the  full  amount  of  the  entire 
balance owed each month within 25 days of Your statement closing 
date.  Otherwise,  the  new balance of purchases , balance  transfers 
and  convenience  checks,  and  subsequent  purchases,  balance 
transfers and convenience checks from the date they are  posted to 
Your Account, will be subject to a Finance Charge. Cash  advances 

are  always  subject  to  a  Finance  Charge  from  the  date  of  the 
transaction  and  are  not  subject  to  the  25-day  grace  period 
described  above. 

The minimum FINANCE CHARGE that  You  will be  required  to  pay 
in  any billing  cycle  that a Finance Charge  is  due is  $0 .50. 

For important Account information and the applicable Margin 
and  Daily  Periodic  Rate 
(and  corresponding  Annual 
Percentage Rate),  refer to the "Credit Card Approval" that We 
have provided in conjunction with this Agreement, which You 
understand and agree is an  integrated part of this Agreement. 

VARIABLE  RATE  (EXCEPT  PLATINUM  VISA).  For  all  Cards 
(except  Platinum  VISA) ,  transactions  are  subject  to  a  Variable 
Rate  which  is  based  on  the  highest  Prime  Rate  as  published  in 
the  Money  Rates  section  of The  Wall  Street Journal  in  effect  on 
the  15th  day of each  calendar  month  ("Index")  plus  Our  Margin. 
The  Index  plus  the  Margin  equals  the  Interest  Rate.  Changes  in 
the  Index will  cause  changes  in  the  Interest  Rate  on  the  1st day 
of the billing cycle in the month that immediately follows a change 
in  the  Index.  Increases  or  decreases  in  the  Interest  Rate  will 
cause  like increases or decreases in the  Finance Charge and will 
affect  the  number of  Your  regularly  scheduled  payments.  For  all 
balances Your  Interest Rate  will  never be greater than  25.00%. 

MINIMUM  MONTHLY  PAYMENT.  Though  You  need  only  pay  the 
Minimum  Monthly  Payments,  You  understand  that  You  have  the 
right to  repay or make larger payments at any time without penalty. 
You  will only be charged periodic Finance Charges to the date You 
repay  Your entire balance.  Any partial  payment or prepayment will 
not delay Your next scheduled payment.  All  payments  to  Us  must 
be  in  lawful  money of the  United  States.  As  permitted  by  law, We 
may  apply  payments  in  an  order  of  Our  choosing.  Any  unpaid 
portion  of the  Finance  or Late  Charge  will  be  paid  by  subsequent 
payments. You  understand that any delay in the repayment of Your 
unpaid  balance  will  increase  the  amount  You  will  pay  in  Finance 
Charges  and  any  acceleration  in  the  reduction  of  Your  unpaid 
balance will decrease the amount You  will  pay in  Finance Charges. 

For  all  Cards  (except  VISA  Signature),  Your  Minimum  Monthly 
Payment  will  be  3.00%  of  Your  balance  at  the  end  of each  billing 
cycle plus other applicable charges,  any  past due Minimum  Monthly 
Payments and any amount that exceeds Your Credit Limit, subject to 
the  lesser of $25.00 or Your balance. 

For VISA Signature, Your Minimum Monthly Payment will be 2.00% 
of  Your  balance  at  the  end  of  each  billing  cycle  plus  other 
applicable charges,  any past due Minimum Monthly Payments and 
any amount that exceeds Your Credit Limit,  subject to the  lesser of 
$25.00 or Your balance. 

LATE  CHARGES.  If  Your  payment  is  five  or  more  days  late , You 
will  be  charged  the  lesser of:  (a)  25.00;  or  (b)  the  amount  of the 
minimum  payment due. 

OTHER FEES AND  CHARGES.  You  will be  charged the following 
fees  and  charges  associated  with  Your  Account:  (a)  for  all  Cards 
(except VISA Signature) , a cash  advance fee  FINANCE  CHARGE 
of $2.00 for each  cash or quasi-cash transaction such as teller and 
ATM  cash  advances,  wire  transfer,  the  purchase of money orders , 
betting  or  lottery  tickets  and  other  cash-like  transactions;  (b)  for 
VISA Signature,  a cash advance fee  FINANCE CHARGE equal  to 
the greater of 3.00% of each  cash  or quasi-cash  transaction  such 
as  teller  and  ATM  cash  advances,  wire  transfer,  the  purchase  of 
money  orders,  betting  or  lottery  tickets  and  other  cash-like 
transactions,  or $10.00;  and  (c)  for all  Cards, a handling  fee  equal 
to  the  lesser of $25.00  or the  required  minimum  payment amount 
for  the  returned  payment,  plus  any  charges  assessed  by  an 
institution for processing a refused instrument used for payment on 
Your Account. 

PERIODIC  STATEMENT.  On  a  regular  basis,  You  will  receive  a 
statement  showing  all  transactions  on  Your  Account  including 
amounts paid and  borrowed since Your last statement. We will mail 
You  a statement each billing cycle in which there is a debit or credit 
balance or when  a Finance Charge is imposed.  We need not send 
You  a statement  if We  feel  Your  Account  is  uncollectible  or  if  We 
have  started  collection  proceedings  against  You  because  You 
defaulted.  Each  statement  is  deemed  to  be  a correct  statement  of 
account unless You establish a billing error pursuant to the Federal 
Truth-In-Lending Act. 

OUR  RESPONSIBILITIES  TO  HONOR  CONVENIENCE 
CHECKS . We  are  under no obligation to  honor Your Convenience 
Checks if:  (1)  by  paying a Convenience Check, You  would exceed 
Your  Credit  Limit;  (2)  Your  Cards  or  Convenience  Checks  have 
been  reported  lost or stolen;  {3)  Your Account  has  been  canceled 
or has expired.  If  a postdated  Convenience  Check  is  paid  and,  as 
a result,  any other Convenience Check is returned unpaid,  We are 
not responsible  for any resulting  loss. 

TRANSACTION  SLIPS .  Your  periodic  statement  will  identify  the 
merchant,  electronic  terminal  or  financial  institution  at  which 
transactions  were  made,  but  sales,  cash  advance,  credit  or other 
slips  will  not  be  returned  with  the  statement.  You  will  retain  the 
copy of such  slips furnished  at the  time  of the  transaction  in  order 
to verify Your monthly statement. 

CREDITS. If a merchant who honors Your Card gives You credit for 
returns  or  adjustments,  the  merchant  will  do  so  by  sending  Us  a 
slip  which  will  be  posted  to  Your  Account.  If  Your  credits  and 
payments  exceed  what  You  owe  Us,  We  will  hold  and  apply this 
credit against future purchases and cash advances,  or if it is $1.00 
or more,  refund  it on  Your written  request or automatically deposit 
it to  Your Share Account after six months. 

DEFAULT.  You  will  be  in  default  if:  (a)  You  do  not  make  any 
payment  or  perform  any  obligation  under  this  Agreement,  or  any 
other agreement that You  may have with  Us; or (b) You  should die, 
become  involved  in  any  insolvency,  receivership  or  custodial 

proceeding  brought  by  or  against  You;  or  (c)  You  have  made  a 
false  or  misleading  statement  in  Your  credit  application  and/or  in 
Your representations to  Us while You owe money on  Your Account; 
or  (d)  judgment  or  tax  lien  should  be  filed  against  You  or  an 
attachment  or  garnishment  should  be  issued  against  any  of  Your 
property or rights, specifically including anyone starting an action or 
proceeding  to  seize  any of  Your  funds  on  deposit with  Us; and/or 
(e)  We  should,  in  good  faith ,  believe  Your  ability  to  repay  Your 
indebtedness  hereunder is  or soon  will  be  impaired,  time  being  of 
the very essence. 

If You  are in default, We may,  to the extent permitted by law, cancel 
Your rights under this Agreement,  declare the entire unpaid balance 
of  Your  Account  immediately  due  and  payable  and  requ ire  the 
return  of  all  access  devices.  If  immediate  payment  is  demanded, 
You  will  continue  to  pay  interest  at  the  applicable  interest  rates  in 
effect under Your Account until what You  owe has been  repaid. 

COLLECTION  COSTS. To  the  extent permitted  by  law,  You  will 
reimburse  Us  for  ALL  of  Our  costs  and  expenses,  including 
reasonable  attorneys'  fees  incurred  in  the  course  of  collecting 
any  amounts  owed  under  this  Agreement  or  for  th e recovery  of 
any  collateral. 

In  the  event  Your  Account  is  referred  for  collection  to  an  attorney 
who is  not Our salaried employee and  suit is brought , You  will  also 
be  required  to  pay  attorneys'  fees  not  to  exceed  15.00%  of  the 
amount due  and  payable  under this  Agreement,  together  with  any 
court  costs  assessed . 

CREDIT  INSURANCE.  Credit  insurance  is  not  required  for  any 
extension  of  credit  under  this  Agreement.  However ,  You  may 
purchase  any credit  insurance  available  through  Us  and  have  the 
premiums added to  the  outstanding  balance.  If You  elect to  do  so, 
You  will  be  given  the  necessary  disclosures  and  documents 
separately.  Any credit insurance premiums will  be charged  to Your 
Account as  a purchase. 

ENFORCEMENT.  We  do  not  lose  Our  rights  under  this  or  any 
related  agreement if We delay enforcing them.  We can  accept late 
payments,  partial  payments,  or  any  other  payments,  even  if  they 
are marked  "paid in  full" without losing any of Our rights  under this 
Agreement.  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. 

UNAUTHORIZED  USE.  You  may  be  liable  for  the  unauthorized 
use  of  Your  Card.  You  will  not be  liable  for  the  unauthorized  use 
that  occurs  after You  notify  Us orally and  in  writing  at  the  address 
or telephone number shown in this Agreement,  of the loss,  theft,  or 
possible  unauthorized  use.  In  any  case,  Your  liability  will  not 
exceed $50.00. 

PRE-AUTHORIZED RECURRING  CHARGES. You  may, from time 
to time,  establish preauthorized recurring charges be made on  Your