each credit reporting agency to which we reported
What To Do If You Find A Mistake
While we investigate whether or not there has
Your Rights If You Are Dissatisfied With Your
and request a correction. If, after our investigation,
On Your Statement
been an error:
Credit Card Purchases
we disagree with you, we will tell you in writing or
We cannot try to collect the amount in question,
by telephone how to submit a statement to those
If you think there is an error on your statement, write
or report you as delinquent on that amount.
If you are dissatisfied with the goods or services that
agencies for inclusion in your credit report.
to us at:
The charge in question may remain on your
you have purchased with your credit card, and you
Member Services
statement, and we may continue to charge you
have tried in good faith to correct the problem with
13. Other fees-The following charges will be
P.O. Box 10409
interest on that amount.
the merchant, you may have the right not to pay the
charged to your Account as appropriate:
Des Moines, IA 50306-0409
While you do not have to pay the amount in
remaining amount due on the purchase.
question, you are responsible for the remainder
To use this right, all of the following must be true:
A. Late and returned payment fees.
In your letter, give us the following information:
of your balance.
1. The purchase must have been made in your
The following charges may be imposed, if
Account information: Your name and account
We can apply any unpaid amount against your
home state or within 100 miles of your current
Cardholder
applicable:
number.
credit limit.
mailing address, and the purchase price must
Late Payment Fee: A late payment fee, in the
Dollar amount: The dollar amount of the
have been more than $50.
greement
amount indicated in the enclosed disclosure table,
suspected error.
After we finish our investigation, one of two
(Note: Neither of these are necessary if your
may be imposed if the required minimum payment
Description of problem: If you think there is an
things will happen:
purchase was based on an advertisement we
due is not received by the due date listed on the
error on your bill, describe what you believe is
If we made a mistake: You will not have to pay
mailed to you, or if we own the company that
monthly periodic statement.
wrong and why you believe it is a mistake.
the amount in question or any interest or other
sold you the goods or services.)
Returned Payment Fee: A returned payment
fees related to that amount.
2. You must have used your credit card for the
fee, in the amount indicated in the enclosed
You must contact us:
If we do not believe there was a mistake: You
purchase. Purchases made with cash advances
disclosure table, may be imposed if your payment
Within 60 days after the error appeared on your
will have to pay the amount in question, along
from an ATM or with a check that accesses your
is returned for any reason.
statement.
with applicable interest and fees. We will send
credit card account do not qualify.
B. Replacement Cards, copies, and special
At least 3 business days before an automated
you a statement of the amount you owe and the
3. You must not yet have fully paid for the
services. We may charge you a reasonable
payment is scheduled, if you want to stop
date payment is due. We may then report you as
purchase.
fee for issuing replacement cards, expediting
payment on the amount you think is wrong.
delinquent if you do not pay the amount we think
delivery of your card, an expedited payment
you owe.
If all of the criteria above are met and you are
method using a service representative, providing
You must notify us of any potential errors in writing.
still dissatisfied with the purchase, contact us
photocopies and reprints that you request, and
You may call us, but if you do we are not required to
If you receive our explanation but still believe your
in writing at:
other special services as allowed by law.
investigate any potential errors and you may have to
bill is wrong, you must write to us within 10 days
pay the amount in question.
telling us that you still refuse to pay. If you do so,
Member Services
14. Amendments-We may amend or cancel this
we cannot report you as delinquent without also
P.O. Box 10409
agreement at any time by getting your consent as
What Will Happen After We Receive
reporting that you are questioning your bill. We
Des Moines, IA 50306-0409
provided by law or by giving you a notice of the
Your Letter
must tell you the name of anyone to whom we
amendments. Cards are property of the Financial
reported you as delinquent, and we must let those
While we investigate, the same rules apply to the
Institution and must be returned at our request.
When we receive your letter, we must do two things:
organizations know when the matter has been
disputed amount as discussed above. After we
1. Within 30 days of receiving your letter, we must
settled between us.
finish our investigation, we will tell you our decision.
YOUR BILLING RIGHTS:
tell you that we received your letter. We will also
At that point, if we think you owe an amount and you
KEEP THIS DOCUMENT FOR FUTURE USE
tell you if we have already corrected the error.
If we do not follow all of the rules above, you do
do not pay, we may report you as delinquent.
not have to pay the first $50 of the amount you
This notice tells you about your rights and our
2. Within 90 days of receiving your letter, we must
question even if your bill is correct.
LS-8901
responsibilities under the Fair Credit Billing Act.
either correct the error or explain to you why we
8/15
believe the bill is correct.
CARDHOLDER AGREEMENT
up to your credit limit. Your promise to pay continues to
first to the Account balance with the highest APR,
Obtaining money orders, travelers checks,
apply the balance in these accounts to any amounts
apply even if the amount due exceeds your credit limit.
and then to each consecutive Account balance
foreign currency, lottery tickets, casino chips,
due. Shares and deposits in an Individual Retirement
Defined terms-The following terms have defi-
Obtaining credit in excess of your credit limit does not
bearing the next highest APR, at the time payment is
vouchers redeemable for cash or similar items.
Account, and any other account that would lose
ned meanings in this agreement: "Account" means
increase your credit limit. We can change your credit
posted to your Account. Payments on your Account
Balance Transfers, if identified as cash
special tax treatment under state or federal law if
the credit Account regulated by this agreement,
limit at any time to any amount (including zero). We
that do not exceed the minimum payment due will be
advances on your Approval Letter
given as security, are not subject to the security
"Card" means the plastic cards issued under this
will state the new credit limit on your next monthly
applied in the following order: finance charges, fees,
interest you have given in your shares and deposits.
agreement, including the numbers printed on the-
statement.
any applicable installment balance minimum amount
8. Annual fee-The annual fee, if there is one, on
se plastic cards; "we," "us" and "our" mean the
due that is calculated separately from the minimum
the Account is stated in the enclosed disclosure
11. International transactions-When you use
financial institution appearing on the face of a
3. Purchases and cash advances-You may
payment due, the Account balance with the lowest
table. The annual fee is payable whether or not you
your Card for a transaction denominated in a
Card; "you" and "your" mean anyone who signs an
use your Card, up to your credit limit, to buy or
APR, then to each consecutive Account balance
use the Card.
currency other than U.S. dollars, the transaction
application for this Account or is a guarantor of this
lease goods, services or insurance wherever the
bearing the next lowest APR at the time payment is
amount will be converted into U.S. dollars by
Account; and "Approval Letter" means our letter to
Card is honored. You may also use your Card to
posted to your Account.
9. Liability for unauthorized use-If you notice the
applying an exchange rate selected by the Card
you approving your application and describing some
get a cash advance from participating financial
loss or theft of your Card or a possible unauthorized
Association from among the range of rates
of the terms of the Account (the "Approval Letter"
institutions. However, you agree not to use your
6. Balance Computation Method-We figu-
use of your Card or Account, you should write to us
available in wholesale currency markets or the
which is part of the agreement).
Card for any transaction that is illegal under
re the interest charge on your account by apply-
immediately at: P.O. Box 10409, Des Moines, IA
government-mandated rate on the date the
applicable federal, state or local law, and you
ing the periodic rate, as stated in the enclosed
50306-0409, or call us at 1-800-234-5354. You will
transaction is processed. The rate chosen may
By signing, using or activating a Card, you
understand that any such use will constitute an
disclosure table, to the "average daily balance" of
not be liable for any unauthorized use that occurs
vary from the rate the Card Association itself
accept the terms and conditions of this agreement
event of default under this agreement. We are
your account. To get the "average daily balance" we
after you notify us. You may, however, be liable for
receives. When you use your Card in a
and of the Approval Letter. If any provision of this
not responsible for the refusal of anyone to honor
take the beginning balance of your account each
unauthorized use that occurs before your notice
transaction outside of the United States to make a
agreement is determined to be unlawful, the rest
your Card.
day, add any new purchases/advances/fees, and
to us. However, if you exercise reasonable care in
purchase, obtain a cash advance, obtain a credit
of the agreement will stand and the unlawful
subtract any unpaid interest or other finance
safeguarding your card from risk of loss or theft and,
voucher, or reverse any of these transactions, a
provision will be deemed amended to conform to
4. Monthly statements-We will send you a
charges and any payments or credits. This gives
upon discovering the loss or theft promptly report
finance charge equal to two percent of the amount
applicable law. All Cards are our property and must
statement at the end of each billing cycle in which
us the daily balance. Then, we add up all the dai-
the loss or theft to us, you will not be liable for any
of the transaction (expressed as a positive
be returned to us immediately according to our
the Account has a balance. The due date for your
ly balances for the billing cycle and divide the total
unauthorized transactions. In any case, your liability
number) will be assessed against your Account.
instructions, and we may repossess a Card at any
payment will be 25 days after the last day covered
by the number of days in the billing cycle. This gives
will not exceed $50.
The foreign transaction Fee is imposed on the
time in our sole discretion.
by the statement.
us the "average daily balance."
date of the transaction. Interest does not accrue on
10. Default-You will be in default if you fail to make
the foreign transaction fee. "Card Association"
1. Promise to pay-You agree to pay us the
5. Payments-You agree to make the minimum
7. Cash advance fee-Cash advances are
any minimum payment or other required payment by
means either VISA International or MasterCard
total amount of purchases, cash advances, finance
monthly payments that are described in the Approval
subject to the cash advance fee stated in the
the date that it is due. You also will be in default if
International.
charges or other fees or charges which arise from
Letter, and to make all payments on this Account at
enclosed disclosure table. The cash advance fee
you violate any other provision of this agreement and
use of a Card by you or any other person, unless
the address specified on your monthly statement. We
is a finance charge and is imposed on the date of
such violation materially impairs the prospect of you
12. Credit reporting-You authorize us to
the other person does not have actual, implied, or
may accept late payments, partial payments, post-
the cash advance. Interest does not accumulate on
paying the amount due on the Account. Upon default,
obtain credit reports on you when opening, renewing
apparent authority for such use and you receive no
dated checks, or any form of payment containing a
this fee. The following transactions will be treated as
we may demand immediate payment of the entire
or reviewing your Account, and you authorize us to
personal benefit from the use. You agree to be jointly
restrictive endorsement, without losing any of our
cash advances:
amount due on the Account and we may enforce our
disclose information regarding your Account to credit
and severally liable with anyone else who has made
rights under this agreement. Our acceptance of
Using your Card to obtain cash from a
right to this payment as permitted by law.
bureaus and other creditors who may inquire of us
the same promise.
checks or money orders labeled "payment in full" or
participating Automated Teller Machine ("ATM");
about your credit standing. If you think we reported
words to that effect, will not constitute an accord and
Using your Card to obtain cash from a
You grant us a security interest in all individual and
erroneous information to a credit reporting agency,
2. Credit limit-Your credit limit is stated on the credit
satisfaction nor a waiver of any rights we have to
participating financial institution;
joint share and/or deposit accounts you have with
write us at the Cardmember Service address on
card carrier, as well as on your monthly statement.
receive full payment. Payments on your Account that
Using a convenience check drawn on the
us now and in the future to secure your credit card
your billing statement. We will promptly investigate
You promise to make purchases and cash advances only
exceed the minimum payment due will be allocated
Account;
account. When you are in default, you authorize us to
the matter and, if we agree with you, we will contact