� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 01401789-MXC20-C-2-120220 (MXC201-E)
CREDIT CARD
ACCOUNT
OPENING
DISCLOSURE
This Disclosure is incorporated into and becomes part of Your LOANLINER� Consumer Credit Card Agreement &
Disclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
PurchasesThis APR will vary with the market based on the Prime Rate.
APR for Balance Transfers Introductory APR for six months from first transfer.
After that, Your APR will be . This APR will vary with the market
based on the Prime Rate.
APR for Cash Advances
This APR will vary with the market based on the Prime Rate.
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will
not charge You any interest on purchases if You pay Your entire balance by
the due date each month. We will begin charging interest on cash advances
and balance transfers on the transaction date.
For Credit Card Tips from the
Consumer Financial Protection BureauTo learn more about factors to consider when applying for or using a
credit card, visit the website of the Consumer Financial Protection
Bureau at http://www.consumerfinance.gov/learnmore.
Fees
Transaction Fees
- Cash Advance Fee $3.00  or1.50%  of the amount of each cash advance, whichever is greater
(Maximum Fee: $15.00 )
- Foreign Transaction Fee 1.00%  of each transaction in U.S. dollars
Penalty Fees
- Late Payment Fee
- Returned Payment FeeUp to $15.00
Up to $25.00
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See
Your Account Agreement for more details.
Promotional Period for Introductory APR: The Introductory APR for balance transfers will apply to transactions posted
to Your Account during the first 90 days following the opening of Your Account. Balance transfers made after the 90 days
from opening your account will be subject to the non-introductory APR.
Billing Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your
Account Agreement.
Military Lending Act Disclosures:
Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions
of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent
may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or
account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the
credit transaction; any application fee charged (other than certain application fees for specified credit transactions or
accounts); and any participation fee charged (other than certain participation fees for a credit card account).
Please call us at 1 (844) 476-2446 to receive oral disclosures of the Military Lending Act disclosure above and a
description of the payment obligation.
SEE NEXT PAGE for more important information about Your Account. � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 01401789-MXC20-C-2-120220 (MXC201-E)Other Fees & Disclosures:
Late Payment Fee: $15.00 or the amount of the required minimum payment, whichever is less, if You are 4 or more days
late in making a payment. 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 this Disclosure.
Cash Advance Fee (Finance Charge) :$3.00 or 1.50% of the amount of each cash advance, whichever is greater,
however, the fee will never exceed $15.00. If Your Account is subject to a Cash Advance Fee (finance charge), the fee
will be charged to Your Account when You obtain a cash advance from an ATM, the Credit Union or other financial
institution.
Returned Payment Fee:$25.00 or the amount of the required minimum payment, whichever is less. If Your Account is
subject to a Returned Payment Fee, the fee will be charged to Your Account when a payment is returned for any reason.
Card Replacement Fee: $10.00. 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.
Document Copy Fee: $11.00. If Your Account is subject to a Document Copy Fee, except as limited by applicable law, a
fee may be charged to Your Account for each copy of a sales draft or statement that You request (except when the
request is made in connection with a billing error made by the Credit Union).
Emergency Card Replacement Fee: $105.00. If Your Account is subject to an Emergency Card Replacement Fee, a fee
will be charged to Your Account for each emergency replacement Card that is issued to You.
Rush Fee: $50.00. 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 that delivery of the Card is also available by standard mail
service, without paying a fee for delivery.
Statement Copy Fee: $11.00. 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 statement that You request.
Research Fee:$25.00 per hour . If Your Account is subject to a Research Fee, the fee will be charged to Your Account
when You request, We conduct research on Your behalf, unless prohibited by law.
Periodic Rates:
The Purchase APR is  which is a daily  periodic rate of .
The Introductory Balance Transfer APR is  which is a daily periodic rate of .
The Balance Transfer APR is  which is a daily periodic rate of .
The Cash Advance APR is  which is a daily periodic rate of .
Variable Rate:
The ANNUAL PERCENTAGE RATE may increase in the future. The ANNUAL PERCENTAGE RATE is subject to change
on the first day of the billing cycle quarterly to reflect any change in the Index and will be determined by the Prime Rate on
the last business day of each calendar quarter (March, June, September, and December), to which We add a margin. The
ANNUAL PERCENTAGE RATE will never be greater than 21.00%. Any increase in the ANNUAL PERCENTAGE RATE
will result in an increase in the amount of the interest You will pay, may increase Your minimum payment, and may
increase the number of payments to pay off Your balance. If the Index is no longer available, the Credit Union will choose
a new index which is based upon comparable information.
Margin:
Purchases will be charged at  above the Index.
Balance Transfers will be charged at  above the Index.
Cash Advances will be charged at  above the Index. �CUNA Mutual Group 1991, 2006, 09, 10, 12, 14 , 16 All Rights Reserved 01401789-MXC30-P-1-120220 (MXC305-E)
CONSUMER
CREDIT CARD
AGREEMENT
AND
DISCLOSURE
DUPACO PLATINUM VISA/DUPACO REWARDS VISA
This Consumer Credit Card Agreement and Disclosure together with theAccount Opening Disclosure and any other
Account opening documents orany subsequent documents provided toYou related tothis Account (hereinafter
collectively referred toas�Agreement �)govern theterms andconditions ofthisAccount .�We,� �Us,� �Our� and�Ours� and
�Credit Union� refers toDupaco Community Credit Union with which thisAgreement ismade. �You,� �Your ,�and�Yours �
refers toeach applicant andco-applicant fortheAccount ;anyperson responsible forpaying theAccount; andanyone You
authorize touse, access orservice theAccount. "Card" means theVisa �credit card and anyother access devices,
duplicates, renewals, orsubstitutions ,theCredit Union issues toYou. "Account "means thelineofcredit established by
this Agreement and includes Your Card.
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.
You grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now
and in the future to secure Your credit card Account. Shares and d eposits in an IRA or any other a ccount that
would lose special tax treatment under state or federal law if given as security are not subject to the security
interest You have given in Your shares and deposits. You may withdraw these other shares unless You are in
default. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due.
For example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay
any or all of the unpaid balance.
Unless otherwise prohibited by federal and/or state law, 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.
1.USING YOUR ACCOUNT �Byusing theAccount orkeeping theCard, You agree totheterms ofthisAgreement.
You agree touse Your Account inaccordance with this Agreement. Your Account must only beused forlawful
transactions.
2.CREDIT LIMIT �Wemay establish acredit limit aspartofthisAgreement, which You promise nottoexceed. IfYou
exceed thecredit limit, You promise torepay immediately theamount which exceeds thecredit limit, including amounts
duetofinance charges, fees orother charges. You may request acredit limit increase onYour Account only byamethod
acceptable totheCredit Union. Wemay increase ordecrease Your credit limit, refuse tomake anadvance and/or
terminate Your Account at any time for any reason permitted by law.
3.REPAYMENT �You promise torepay allamounts You owe under thisAgreement. Your promise torepay includes
alltransactions made toYour Account byYou oranyone You authorize touse Your Account aswell asallinterest
charges and fees.
For each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.
TheMinimum Payment Due is3.00% ofYourtotal New Balance, or$25.00 ,whichever isgreater, plus anyamount past
dueandanyamount bywhich You have exceeded Yourapplicable credit limit. IfYour total New Balance isless than
$25.00 ,then Your Minimum Payment Due is the amount of the total New Balance.
You may pay more frequently, pay more than the Minimum Payment Due or pay the total New B alance in full.
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01401789-MXC30-P-1-120220 (MXC305-E)IfYoumake extra orlarger payments, Youarestillrequired tomake atleast theMinimum Payment Due each month Your
Account hasabalance (other than acredit balance). The Credit Union may delay replenishing Your credit limit until the
date the payment is posted or the Credit Union confirms the payment has cleared.
Your payment oftherequired Minimum Payment Due may beapplied towhat You owe theCredit Union inanymanner
theCredit Union chooses, aspermitted byapplicable law. IfYou make apayment inexcess oftherequired Minimum
Payment Due,theCredit Union willallocate theexcess amount firsttothebalance with thehighest annual percentage
rate (�APR�) and anyremaining portion totheother balances indescending order based onapplicable APR, unless
otherwise prescribed byapplicable law.Wemay accept checks marked "payment infull"orwith words ofsimilar effect
without losing any of Our rights to collect the full balance of Your Account with U s.
4.INTEREST AND FINANCE CHARGES �Wewillbegin charging You interest onpurchases onthedate the
transaction isposted toYour Account. Wewillbegin charging You interest oncash advances andbalance transfers on
thedate ofthetransaction orthefirstdayofthebilling cycle inwhich thetransaction isposted toYour Account, whichever
islater (transaction date). However, Wewillnotcharge You anyinterest onnew purchases ifYour Account hadazero or
credit balance atthebeginning ofthat billing cycle, orYou paid theentire new balance ontheprevious cycle's billing
statement bythePayment Due Date ofthat statement. Toavoid anadditional finance charge onthebalance of
purchases , You must pay the entire new balance on the billing statement by the Payment Due Date  of that statement.
How We Calculate Your Balance:
Interest charges onYour Account arecalculated separately forpurchases, balance transfers and cash advances
(�Transaction Type�). Wefigure theinterest charge foreach Transaction Type byapplying theperiodic rate toeach
corresponding �average daily balance.� Togetthe�average daily balance� foraTransaction Type Wetake thebeginning
balance forthatTransaction Type each day, addanynew transactions ofthattype, andsubtract anyunpaid interest or
other finance charges andanyapplicable payments orcredits. This gives Usthedaily balance foreach Transaction Type.
Then, foreach Transaction Type, Weadd upallthedaily balances forthebilling cycle and divide each total bythe
number of days in the billing cycle. This gives Us the �average daily balance� for each Transaction Type.
5.FEES �Inaddition totheperiodic rate, additional fees may beimposed onYour Account. Ifapplicable toYour
Account, thefeeamounts and explanations aredisclosed ontheAccount Opening Disclosure accompanying this
Agreement.
6.FOREIGN TRANSACTIONS �Purchases andcash advances made inforeign currencies willbedebited from Your
Account inU.S. dollars. Theexchange ratebetween thetransaction currency andthebilling currency used forprocessing
international transactions isarateselected byVisa from arange ofrates available inwholesale currency markets forthe
applicable transaction date,which rate may vary from therate Visa itself receives ,ortherate mandated bythe
government orgoverning body ineffect fortheapplicable transaction date.The exchange rate used onthetransaction
date may differ from the rate that would have been used on the processing  date or cardholder statement posting date.
Afee(finance charge), calculated inU.S. dollars, willbeimposed onallforeign transactions, including purchases, cash
advances, and credits toYour Account. Aforeign transaction isany transaction that You complete oramerchant
completes onYour Card outside oftheUnited States, with theexception ofU.S. military bases, U.S. territories, U.S.
embassies, orU.S. consulates. Transactions completed bymerchants outside oftheUnited States areconsidered foreign
transactions, regardless ofwhether You arelocated inside oroutside theUnited States atthetime ofthetransaction. The
Foreign Transaction Fee is set forth on the Account Opening Disclosure accompanying this Agreement .
7.AUTHORIZATIONS �Wedonotguarantee authorization ofatransaction, either byUsorbyathird party, even if
You have sufficient credit available. You agree that Wewillnotbeliable forfailing togive anauthorization. Wealso
reserve theright tolimitthenumber oftransactions thatmay beapproved inoneday. Wereserve theright todeny certain
transactions foranyreason and atOur sole discretion, including fordefault, suspected fraudulent orunlawful activity,
internet gambling oranyindication ofincreased riskrelated tothetransaction ortheAccount .You agree thatWehave no
requirement tonotify You ofthespecific reason Wedenied atransaction. IfWedetect unusual orsuspicious activity, We
may suspend Your  credit privileges until We can verify the activity, or We may close the Account .
8.INFORMATION UPDA TING SERVICE AND AUTHORIZATIONS �IfYouhave authorized amerchant tobillcharges
toYour Card onarecurring basis, itisYour responsibility tonotify themerchant intheevent Your Card isreplaced, Your
Account information (such asCard number orexpiration date) changes, orYour Account isclosed. However, ifYour Card
isreplaced orYour Account information changes, Youauthorize Us,without obligation onOurpart, toprovide theupdated
Account information tothemerchant inorder topermit themerchant tobillrecurring charges toYour Card. You authorize
Ustoapply such recurring charges toYour Card until You notify UsthatYou have revoked authorization forthecharges
to Your Card.
Your Card isautomatically enrolled inaninformation updating service. Through thisservice, Your updated Account
information (such asCard number orexpiration date) may beshared with participating merchants tofacilitate continued
recurring charges. Updates arenotguaranteed before Your next payment toamerchant isdue. You areresponsible for
making direct payment until recurring charges resume. Torevoke Your authorization allowing Ustoprovide updated
Account information to a merchant, please contact Us .
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01401789-MXC30-P-1-120220 (MXC305-E)9.PREAUTHORIZED CHARGES �Wemay suspend preauthorized recurring charges with merchants if,forexample,
Your Card islostorstolen, You default, orWechange Your Account foranyreason. Ifpreauthorized recurring charges
aresuspended, You areresponsible formaking direct payment forsuch charges until You contact themerchant to
reinstate recurring charges.
10.DEFAULT �You willbeindefault ifYou aremore than ten(10) days lateinmaking anyminimum payment orother
required payment. You willalso beindefault ifYou donotcomply with theterms ofthisAgreement andYour failure to
comply materially impairs anyproperty You gave assecurity forthisAgreement orYour ability torepay what You owe
under this Agreement.
When Youareindefault andafter expiration ofanyright Youhave tocure Your default under theapplicable state law,the
Credit Union has theright todemand immediate payment ofYour fullAccount balance. Ifimmediate payment is
demanded, You agree tocontinue paying finance charges attheperiodic ratecharged before default ,until what You owe
has been paid ,and any shares that w ere given as security for Your A ccount may be applied towards what You owe .
11.LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION �IfYou notice theloss ortheft of
Your credit card orapossible unauthorized useofYour Card, You should write toUsimmediately atPOBox 179,Des
Moines ,IA,52004-0179  or call Us at(800) 234-5354 , seven days a week  24 hours a day .
You willnotbeliable forany unauthorized use that occurs after You notify Us.You may, however, beliable for
unauthorized usethat occurs before Your notice toUs.You willhave noliability forunauthorized useunless Youare
found tobefraudulent ornegligent inthehandling ofYourAccount orCard. Inanycase, Your liability forunauthorized
transactions will not exceed  $50.
12.CHANGING ORTERMINATING YOUR ACCOUNT �Aspermitted bylaw, theCredit Union may change theterms
ofthisAgreement andanyattached Disclosure from time totime. Notice ofanychange willbegiven inaccordance with
applicable law. Totheextent permitted bylaw, changes totheAgreement may apply toYour existing account balance as
well as to future transactions.
Arizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents -Either
You, Your spouse ortheCredit Union may terminate thisAgreement atanytime, buttermination byYou, Your spouse or
theCredit Union willnotaffect Your obligation topaytheaccount balance plus anyfinance andother charges YouorYour
spouse owe under thisAgreement. Your obligation topaytheaccount balance plus anyfinance andother charges You
owe under thisagreement aresubject toallapplicable laws andregulations regarding repayment requirements. TheCard
orCards You receive remain theproperty oftheCredit Union andYou must recover andsurrender totheCredit Union all
Cards upon request or upon termination of this Agreement whether by You or the Credit Union.
Residents ofallother states -Either You ortheCredit Union may terminate thisAgreement atanytime, buttermination
byYou ortheCredit Union willnotaffect Your obligation topaytheaccount balance plus anyfinance andother charges
You owe under thisAgreement. Your obligation topaytheaccount balance plus anyfinance andother charges You owe
under thisagreement aresubject toallapplicable laws andregulations regarding repayment requirements. The Card or
Cards You receive remain theproperty oftheCredit Union andYou must recover andsurrender totheCredit Union all
Cards upon request or upon termination of this Agreement whether by You or the Credit Union.
13.AUTHORIZED USERS �Upon Your request, We may issue additional Cards forauthorized users that You
designate. You must notify Usinwriting ofanytermination ofanauthorized user's right toaccess Your Account .Your
notice must include thename oftheauthorized user andYour Account number and/or anysubaccount number issued to
theauthorized user along with theauthorized user's Cardand anyconvenience orother access checks issued tothe
authorized user. IfYou canno treturn theauthorized user's Cardoraccess checks andifYou request Your Account tobe
closed, Wewillclose Your Account andYou may apply foranew Account .Alternatively, Wemay, atOursole discretion,
issue You a new Account number and a new Card.
14.CREDIT REPORTS �You authorize theCredit Union toobtain credit reports and anyother information Wemay
need toverify Your identity anduseoftheAccount when opening Your Account andforanyupdate, increase, renewal,
extension, collection, orreview ofYour Account. You authorize theCredit Union todisclose information regarding Your
Account to credit bureaus and creditors who inquire about Your credit standing.
15.JOINT ACCOUNT S�Ifthisisajoint Account ,each ofYou willbeindividually andjointly responsible forpaying all
amounts owed under thisAgreement .This means thattheCredit Union canrequire anyoneofYou individually torepay
theentire amount owed under thisAgreement .Each ofYou authorizes theother(s) tomake transactions ontheAccount
individually. Any one of You may terminate the Account  and the termination will be effective as to all of You.
16.EFFECT OFAGREEMENT �This Agreement isthecontract which applies toalltransactions onYour Account even
though the sales, cash advances, credit or other slips You sign or receive may contain different terms.
17.SEVERABILITY AND FINAL EXPRESSION �This Agreement isthefinal expression oftheterms andconditions of
Your Account .This written Agreement may notbecontradicted byevidence ofanyalleged oralAgreement .Should any
partofthisAgreement befound tobeinvalid orunenforceable, allother parts ofthisAgreement shall remain ineffect and
fully enforceable to the fullest extent possible under this Agreement .
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01401789-MXC30-P-1-120220 (MXC305-E)18.ILLEGAL TRANSACTIONS PROHIBITED �Youagree thatYouwillnotuseYour Card foranytransaction, including
anytype of electronic gambling tr ansaction through the Internet , that is illegal under applicable federal, state, or local law .
Even ifYou useYour Card foranillegal transaction, You willberesponsible forallamounts and charges incurred in
connection withthetransaction. This paragraph shall notbeinterpreted aspermitting orauthorizing anytransaction thatis
illegal.
19.APPLICABLE LAW �Theterms andenforcement ofthisAgreement shall begoverned byfederal lawandthelawof
Iowa .
20.ENFORCING THIS AGREEMENT �Wecan delay inenforcing orfailtoenforce any ofOur rights under this
Agreement  without losing them.
21.COLLECTION COSTS �IfWerefer collection ofYour Account toalawyer who isnotOursalaried employee, You
areliable forany reasonable attorney�s fees Weincur, plus thecosts and expenses ofany legal action, asfurther
disclosed on this Agreement, or to the extent allowed by law.
22.ASSIGNMENT �We may assign any or all of Our rights and obligations under this Agreement  to a third party.
23.CALIFORNIA RESIDENTS �Amarried applicant may apply foraseparate Account. Applicants: 1)may, after credit
approval, usethecredit card Account uptoitscredit limit; 2)may beliable foramounts extended under theplan toany
joint applicant. Asrequired bylaw, You arehereby notified thatanegative credit report reflecting onYour credit record
may be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.
24.FLORIDA RESIDENTS �You (borrower) agree that, should Weobtain ajudgment against You, aportion of
Your disposable earnings may beattached orgarnished (paid toUsbyYour employer), asprovided byFlorida
and Federal law.
25.MARYLAND RESIDENTS �To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your
Card Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article .
26.MISSOURI RESIDENTS �Oral Agreements orcommitments toloan money, extend credit ortoforbear from
enforcing repayment ofadebt including promises toextend orrenew such debt arenotenforceable. Toprotect
You (borrower(s)) and Us(creditor) from misunderstanding ordisappointment, any Agreements We reach
covering such matters arecontained inthis writing, which isthecomplete and exclusive statement ofthe
Agreement between Us, except as We may later agree in writing to modify it.
27.NEW YORK RESIDENTS �Wemay obtain acredit report inconnection with thisAccount, including foranyreview,
modification, renewal orcollections associated with thisAccount. Upon Your request, You willbeinformed whether such
report was requested and, ifso,thename andaddress oftheconsumer reporting agency furnishing thereport. New York
residents may contact theNew York State Department ofFinancial Services at800.342.3736 orwww.dfs.ny.gov toobtain
a comparative listing of credit card rates, fees and grace periods.
28.OHIO RESIDENTS �TheOhio laws against discrimination require thatallcreditors make credit equally available to
allcreditworthy customers andthatcredit reporting agencies maintain separate credit histories oneach individual upon
request. The Ohio Civil Rights Commission administers compliance with this law.
29.SOUTH DAKOTA RESIDENTS �IfYou believe there have been anyimproprieties inmaking thisloan orinthe
lender�s loan practices, You may contact theSouth Dakota Division ofBanking at1601 N.Harrison Ave, Suite 1,Pierre,
SD 57501, or by phone at 605.773.3421.
30.WISCONSIN RESIDENTS �IfYouaremarried, please contact Usimmediately uponreceipt ofthisAgreement atthe
address orphone number listed onthisAgreement andprovide Uswith thename andaddress ofYour spouse. Weare
required to inform Your spouse that We have opened a n Account for You.
31.NOTICE TOUTAH BORROWERS �This written Agreement isafinal expression oftheAgreement between You
andtheCredit Union. This written Agreement may notbecontradicted byevidence ofanyoralAgreement. Asrequired by
law, You arehereby notified thatanegative credit report reflecting onYour credit record may besubmitted toacredit
reporting agency if You fail to fulfill the terms of Your credit obligations.
32.THE FOLLOWING ISREQUIRED BYVERMONT LAW �NOTICE TOCO-SIGNER �YOUR SIGNATURE ON
THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OFTHIS LOAN. IFTHE BORROWER
DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.
1XXXXXXXXXXXXXXXXXXXXXXXXXXXXX Page 5 of5
01401789-MXC30-P-1-120220 (MXC305-E)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
IfYou think there is an error on Your statement, write to Us at the address listed on Your statement.
InYour letter, give Us the following information:
-Account information:  Your name and Account number.
-Dollar amount:  The dollar amount of the suspected error.
-Description ofproblem: IfYouthink there isanerror onYourbill,describe what Youbelieve iswrong andwhy You
believe it is a mistake.
You must contact Us:
-Within 60 days after the error appeared on Your statement .
-Atleast three business days before anautomated payment isscheduled, ifYouwant tostop payment ontheamount
You thin k is wrong.
You must notify Usofanypotential errors inwriting orelectronically. You may callUs,butifYoudoWearenotrequired
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 30days ofreceiving Yourletter, Wemust tellYouthatWereceived Yourletter. Wewillalso tellYouifWehave
already corrected the error.
2.Within 90days ofreceiving Yourletter, Wemust either correct theerror orexplain toYouwhy Webelieve thebillis
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.
-Wecan apply any unpaid amount against Your credit limit.
After We finish Our investigation, one of two things will happen:
-IfWemade amistake: You willnothave topaytheamount inquestion oranyinterest orother fees related tothat
amount.
-IfWedonotbelieve there was amistake: You willhave topaytheamount inquestion, along with applicable
interest andfees. Wewillsend Youastatement oftheamount Youowe andthedate payment isdue. Wemay then
report You as delinquent if You do not pay the amount We think You owe.
IfYoureceive Ourexplanation butstillbelieve Yourbilliswrong, Youmust write toUswithin 10days telling UsthatYou
stillrefuse topay. IfYoudoso,Wecannot report Youasdelinquent without also reporting thatYouarequestioning Your
bill.Wemust tellYouthename ofanyone towhom Wereported Youasdelinquent, andWemust letthose organizations
know when the matter has been settled between Us.
IfWedonotfollow alloftherules above, Youdonothave topaythefirst$50oftheamount Youquestion even ifYourbill
is correct.
Your Rights if You Are Dissatisfied With Your Credit Card Purchases
IfYouaredissatisfied with thegoods orservices thatYouhave purchased with Yourcredit card, andYouhave tried in
good faith tocorrect theproblem with themerchant, Youmay have theright nottopaytheremaining amount dueonthe
purchase.
To use this right, all of the following must be true:
1.Thepurchase must have been made inYourhome state orwithin 100miles ofYourcurrent mailing address, andthe
purchase price must have been more than $50. (Note: Neither ofthese arenecessary ifYourpurchase wasbased 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 Yourcredit card forthepurchase. Purchases made with cash advances from anATM orwith a
check that accesses Your credit card Account do not qualify.
3.You must not yet have fully paid for the purchase .
Ifallofthecriteria above aremetandYouarestilldissatisfied withthepurchase, contact Usinwriting orelectronically at
the address listed on Your statement.
While Weinvestigate, thesame rules apply tothedisputed amount asdiscussed above. After Wefinish Ourinvestigation,
WewilltellYouOurdecision. Atthatpoint, ifWethink Youowe anamount andYoudonotpay, Wemay report Youas
delinquent.
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