Low Rate Visa�Credit Card Disclosure
INTERESTRATES AND INTERESTCHARGES
AnnualPercentage Rate
(APR) for Purchases 6.90%
AnnualPercentage Rate
(APR) for CashAdvances6.90%
AnnualPercentage Rate
(APR) for Balance Transfers0.00% Introductory APR for 15 billing cycles,on transfers initiated within
90 days ofcard opening.
After that,your APR will be 6.90%
IntroductoryBalancetransferswillhaveafeeofthegreaterof$25or3%oftheamount
ofthebalancetransfer.
HowtoAvoidPayingInterest onPurchasesYour due date is atleast25 days after the close ofeach billing cycle.We
will notcharge you any intereston purchases (including balance
transfers) ifyou pay your entire balance by the due date each month.We
will begin charging intereston cash advances on the transaction date.
Minimum Interest Charge None
For Credit CardTips from the
Consumer FinancialProtectionBureauTo learn more aboutfactors to consider when applying for or using a
creditcard,visitthe website ofthe Consumer Financial Protection Bureau
at:http://www.consumerfinance.gov/learnmoreFEES
AnnualFee None
TransactionFees
lInternationalTransactionFee $0.00
Penalty Fees
lLatePayment
lReturnedPaymentChargeUpto$25
Upto$25 How We Will Calculate Your Balance: Weuseamethodcalled�AverageDailyBalance(excludingnewpurchases).�
Billing Rights: InformationonyourrightstodisputetransactionsandhowtoexercisethoserightsisprovidedinAdditionalDisclosuresRequiredbyFederal
Law.
MILITARYLENDING ACTDISCLOSURES
FederallawprovidesimportantprotectionstomembersoftheArmedForcesandtheir dependentsrelatingtoextensionsofconsumer credit.Ingeneral,the
costofconsumercredittoamemberoftheArmedForcesandhisorherdependentmaynotexceedanannualpercentagerateof36percent.Thisratemust
include,asapplicabletothecredittransactionor account:Thecostsassociatedwithcreditinsurancepremiums,feesfor ancillaryproductssoldinconnection
withthecredittransaction;anyapplicationfeecharged(otherthancertainapplicationfeesforspecifiedcredittransactionsoraccounts);andanyparticipation
feecharged(otherthancertainparticipationfeesforacreditcardaccount).
ADDITIONALDISCLOSURES REQUIRED BYFEDERAL LAW
1. INTEREST CHARGES: Purchases and Cash Advances made on your Account will be subject to an INTEREST CHARGE at a Periodic Rate of
.5750%, which correspondsto an ANNUAL PERCENTAGE RATE (APR) of 6.90%. During the first 15 billing cyclesthisaccount isopen, Balance
Transfers made on your account within 90 days of account opening will be subject to a INTEREST CHARGE at a Periodic Rate of .0000%, which
correspondstoan ANNUAL PERCENTAGE RATE (APR) of 0.0000% .IntroductoryBalancetransferswillhaveafeeofthegreater of$25or 3%of
the amount of the balance transfer. After the first 15 billing cycles is complete, the portion of the balance transfers remaining that qualified for the
introductory APR of 0.0000% will then be subject to a finance charge at the Periodic Rate of .5750%, which corresponds to an ANNUAL
PERCENTAGE RATE (APR) of 6.90% . Beginning on the first day after the account has been open for 90 days, Balance Transfers made on your
AccountwillbesubjecttoaINTEREST CHARGEataPeriodicRateof.5750%,whichcorrespondstoan ANNUAL PERCENTAGE RATE (APR) of
6.90%.
ToavoidpayingINTEREST CHARGESonthebalanceofPurchases(includingBalanceTransfers) reflectedonyour monthlystatementand,onany
new purchasesappearing on your next monthlystatement, you must paythe New Balance of Purchases, shown on your monthlystatement, on or
before the Payment Due Date. The grace period for the New Balance of Purchasesextendsto the Payment Due Date. The INTEREST CHARGES
for abillingcyclearecomputedbyapplyingyour monthlyperiodicratetotheAverageDailyBalanceofPurchases,whichisdeterminedbydividingthe
sumofthedailybalancesduringthebillingcyclebythenumberofdaysinthecycle.EachdailybalanceofCreditPurchasesisdeterminedbysubtracting from the previous balance of Credit Purchases any payments received and credits as posted to your account, but excluding any unpaid Interest
Chargesandnewpurchasetransactions.
TheINTEREST CHARGEonCashAdvancesbeginstoaccrueonthedateyouobtaintheCashAdvanceor thefirstdayofthebillingcycleinwhichitis
posted to your account, whichever islater. The INTEREST CHARGES for a billing cycle are computed byapplying your monthlyperiodicrate to the
AverageDailyBalanceofCashAdvances.TogettheAverageDailyBalance,wetakethebeginningbalanceofyour Accounteachday,addanynew
CashAdvances,andsubtractanypayments,credits,non-accruingfees,andunpaidfinancecharges.Thisgivesusthedailybalance.Thenweaddup
thedailybalancesforthebillingcycleanddividethetotalbythenumberofdaysinthebillingcycle.
YoucanalwayskeeptheINTERESTCHARGEtoaminimumbymakingpayments,whatevertheamount,aspromptlyandasoftenaspossible.
2. MINIMUM PAYMENT: We will mail you a statement every month showing your Previous Balances of purchases and cash advances, the current
transactionson your account, the remaining credit available under your Credit Line, the New Balancesof Purchasesand Cash Advances, the Total
New Balance, the INTEREST CHARGE due to date, and the Minimum Payment required. Every month you promise to pay at least the Minimum
Payment by the date listed and to the address shown on your statement. You may, of course, pay more frequently, pay more than the Minimum
Payment,or paytheTotalNewBalanceinfull,andyouwillreducetheINTEREST CHARGEbydoingso.TheMinimumPaymentwillbeeither (a) 2%
ofyour TotalNew Balance,or $25.00,whichever isgreater,or (b) your totalNew Balance,ifitislessthan$25.00plus(c) anyportionoftheMinimum
Payment(s)shownonpriorstatement(s)whichremainsunpaid.Inaddition,atanytimeyourtotalNewBalanceexceedsyourCreditLine,youagreeto
immediatelypaytheexcess.
3. FEESAND CHARGES:You agreeto paythe variousfeesand chargesrelatedto thisAgreementand includedin the Rateand Fee Schedulethatis
accessible to membersupon request. You agree to payanyrelated chargesthat are imposed asa result of your use of the VISA Credit Card or an
ATM.CurrentfeesassociatedwiththeVISACreditCardinclude:
lLatePayment :IftherequiredminimumpaymentdueunderthisAgreementisnotpaidwithinfivedaysaftertheClosingDatesubsequenttothe
PaymentDueDate,youraccountmaybecharged,andyouagreetopay,LATECHARGEof $25.00 .Nofurtherlatechargeswillbeimposed
afterthisAgreementhasbecomedueandpayableinfullduetodefaultasspecifiedinthesectionoftheAgreemententitled�Default.
lReturnPayments :IfyourpaymentisnothonoredbyyourFinancialInstitution,aRETURNPAYMENTPENALTYFEEofupto $25.00 maybe
assessed.ChecksreturnedNSF(Non-SufficientFunds)orUCF(UncollectibleFunds)aresubjecttoelectronicACHrepresentment.
lInternationalTransaction Fee:$0.00
lStatementCopyFee:Youraccountmaybecharged,andyouagreetopay,aSTATEMENTCOPYFEEof $0.20perpagewheneveryou
requestanadditionalcopyofyourstatement.
l2-DayRushCardFee:Ingeneral,thereisnofeeforlostCardreplacement.However,ifyouaskustoexpeditethedeliveryofareplacement
card,youraccountmaybecharged,andyouagreetopay,a2-DayRushCardFeeof $30.00 .
lInstantReissue Card: At your request, in person at a location equipped to instant issue cards, we maycharge an Instant Issue Replacement
CardFeeof $5.00.
lPaymentbyPhoneFee:Ifyoucallusandaskustoapplyapaymenttoyouraccount,youraccountmaybecharged,andyouagreetopay,a
PaymentbyPhoneFeeof $5.00.
4.SECURITY INTEREST. As a condition of us granting you credit under the Agreement, you hereby agree to grant us a security
interest in all future shares and deposits with us, except Individual Retirement Accounts and other accounts which provide tax
benefits under state or federal laws, to secure the credit card Account. Upon default under the Agreement you agree that we may
apply all of your shares and deposits subject to this security interest to pay amounts due on the account under the Agreement.
You also agree to grant us a security interest in collateral (other than collateral consisting of (i) real estate that is your principal
residence; or (ii) household goods) securing other loans with us to secure credit under the Agreement.
TERMSGOVERNING THEUSEOFYOURCARD
THISISYOUR AGREEMENT WITH DOWCHEMICAL EMPLOYEES�CREDIT UNION REGARDINGRIGHTSAND RESPONSIBILITIESASSOCIATED
WITH YOUR LOW�RATE VISA CREDIT CARD. PLEASE READ THIS DISCLOSURE CAREFULLY TO BE FAMILIAR WITH YOUR RIGHTS AND
RESPONSIBILITIES.IT ISIMPORTANT TORETAIN THISNOTICEFOR FUTUREREFERENCEAND TONOTIFYUSAT ONCEIF ANYPARTSARE
UNCLEAR.
1.WORDS OFTEN USED IN THIS AGREEMENT. Theword�Agreement�meansthisDowChemicalEmployees�CreditUnionLowRateVISACredit
CardAgreement.InthisAgreement,thewords�you�and�your�meanorrefertoeachandallpersonswhohaveappliedfortheCardorCards.�Card�
meansthe Low Rate VISACredit Card or Cards, and anyduplicatesand renewalsthereof, or substitutionsthereof, we mayissue to you. �Account�
meansyourLowRateVISACreditCardaccountwithus.�We,��us�and�ours�meansorreferstoDowChemicalEmployees�CreditUnion.
2.THIS IS YOUR CONTRACT WITH US.Whenyour applicationisacceptedbyus,itbecomesabindingcontract.WhenyouusetheCard,or allowan
authorizedusertousetheCard,youpromisetoabidebythetermsofthisAgreementincludingallapplicablelaws.ThisAgreementisaTruth-in-Lend-
ingDisclosureStatementaswellasacontract.
3.SIGN THE CARD AND KEEP THIS AGREEMENT. Youmustsignthecardbeforeyouuseit.ByusingtheCard,youareagreeingtocomplywiththe
termsofthisagreement.However,your liabilityunder thisAgreementdoesnotdepend on whether you sign your Card.You should read thisagree-
mentandkeepacopyforfuturereference.
4.USING THE CARD. WewillsendyouaCardor Cardsembossedasyouhavedirected.Assoonasreceived,eachCardmustbesigned(inthespace
provided on the back) by the person whose name is embossed thereon. That signature must be in the same form as embossed on the front of the
Card.TomakeaPurchaseorCashAdvance,presenttheCardtoaparticipatingVISAplanmerchantorfinancialinstitution,ortous,andsignthesales
draft or cash advance draft which willbe imprinted with your Card. Please note that we are not responsible if a particular VISAplan merchant or fin-
ancialinstitution refusesto honor your Card. You willreceive a copyof anydraft you sign when using the Card which you should retain to verifyyour
monthlystatement.Wewilluponrequestfurnishyouwithacopyofadraft.YoumayuseyourCardtomakepurchasesandcashadvancesprimarilyfor
personal, family, or household purposes, and not for business or commercialpurposes. In addition, you may obtain cash advances from the Credit
UnionorfromotherfinancialinstitutionsthatacceptVISACardsorATMsthatacceptVISACards.Wheneveryourequestanadvance,wemayrequire
youtoproveyour identity.Whentheamountadvancedappearsonasubsequentstatementthatwillbeconclusiveevidenceoftherequest.Toobtain
anadvanceatanATMyoumustuseaPersonalIdentificationNumber(PIN)thatwasissuedforusewiththeCard. 5.ILLEGAL TRANSACTIONS. Youagreethatyouwillonlyuseyour Accountfor transactionsthatarelegalwhereyoureside.Internetgamblingmay
beillegalinthejurisdictioninwhichyouarelocated.Displayofapaymentcardlogobyanon-linemerchantdoesnotmeanthatthetransactionwiththat
merchantislegalwhereyoureside.Youagreenottouseyour Cardfor anyillegaltransactions.Wewillnotbeliableifyouengageinanyillegaltrans-
actions.
6.PROMISE TO PAY. Ifweapproveyour applicationandissueyouaCard,youpromisetorepaytousalldebtsandtheINTEREST CHARGEthereon
arisingfromanyauthorizeduseoftheCard.Youagreenottoletsomeoneelseusethecard.IfthisAgreementissignedbytwopersons,theAccountis
joint;thatis,eachofyou,separatelyandjointlywitheachother,isliableforalldebtsontheAccountandINTERESTCHARGEthereon.Yourobligation
topayallsuchdebtsandINTERESTCHARGEthereoncontinueseventhoughanagreement,divorcedecreeorothercourtjudgmenttowhichweare
notapartymaydirectthatonlyoneofyou,orsomepersonotherthanyou(orbothofyou),mustpaysuchdebtsandINTERESTCHARGE.
7.CREDIT LIMIT. Ifweapproveyour application,wewillestablishaself-replenishingcreditlimitfor youandwillnotifyyouoftheamountthereof(�credit
limit�) inthemailer inwhichwewillsendyouyour Card.Thatmailer isherebyincorporatedhereinaspartofthisAgreement.Youagreenottoletyour
AccountBalanceexceedsuchamount,andyouagreetopayusthetotalamountover thecreditlimituponour demandwhether or notweauthorized
theadvance(s)whichcausedyoutoexceedyourcreditline.Unlessyouareindefault,eachpaymentyoumakeontheAccountwillreplenishyourcredit
limit by the part of that payment which is applied to principal. You may request an increase in the credit limit by a written application, which must be
approvedbyus.
Wemayincreaseor decreasethelimitfromtimetotimeor may,withgoodcause,revokeyour CardandterminatethisAgreement;ineither event,we
willgiveyouwrittennoticeofsuchaction.�GoodCause�includesyourfailuretosatisfythetermsofthisAgreementorouradversereevaluationofyour
Credit worthiness; in either event, we willgive you written notice of such action. In the event your account iscancelled or revoked due to default, the
balance at the time of default maybe transferred in-house with the Credit Union and, asa consequence thereof, be included within your Revolving
CreditAgreementfor collectionatthesamerateassetforthintheRevolvingCreditAgreement.However,youmayterminatethisAgreement,atany
time and for any reason, by giving us written notice. Nevertheless, termination by you or by us does not affect your obligation to pay all debts and
INTERESTCHARGEthereonarisingfromauthorizeduseofyourCard.
The Cards remain our property and you must recover and surrender to us all Cards upon our request or upon termination of this Agreement. We
reserve the right not to re-issue a Card when an Account has been inactive for more than 12 months at the time it is scheduled to be reissued. In
addition,forsecurityreasons,yourCardmaybedisabledwithin60daysofitsissuanceiftheCardhasnotbeenactivatedwithinthattime.
8.JOINT ACCOUNTS. Ifmorethanonepersonsignstheapplication,eachpersonwhosignsitpromisestopayallamountsowedtousunderthisAgree-
ment.Eachofyouauthorizestheother(s) tomakepurchases,withdrawalsorcashadvancesindividually.AnyoneofyoumaycanceltheAccount.The
cancellationwillbeeffectivetoallofyou.Eachofyouisjointlyandseverallyobligated.Thismeansthatwemaycollectmoneyowedtousfromeachof
youor fromallofyouregardlessofyour currentdomesticrelationshipor other legalproceedings.Inanyevent,allofyouwillcontinuetobejointlyand
severallyobligateduntilallcardsarereturnedandthedebtisextinguished.
9.AUTHORIZED USERS. YoumayallowAuthorizedUsersonyourAccountinthefollowingways:(1)notifyingusthatyouwantsomeoneaddedtothe
accountasanAuthorizedUser;(2) bylendingyour Cardor AccountNumber toanother;or (3) byanyother meansinwhichyouwouldbelegallycon-
sideredtohaveallowedanother touseyour Accountor belegallypreventedfromdenyingthatyoudidso.Youshouldthinkcarefullybeforeyouallow
someonetobecomeanAuthorizedUser.Bydoingso,youauthorizethepersontouseyour Accounttothesameextentyoucan,includingbutnotlim-
itedtomakingPurchases,CashAdvances,BalanceTransfersandallowingotherstouseyour Account.Your Accountdoesnotpermityoutolimitthe
natureoramountofauthorityyougivetoanyAuthorizedUserandyouagreethatyouwillnotattempttodoso.AnAuthorizedUser�sauthoritywillcon-
tinueuntilyoubothnotifyusthatyouareterminatingtheauthorityandyouphysicallyretrievetheCard.IfyoucannotretrievetheCard,youwillremain
liableforanytransactionswecannotpreventafteryounotifyus.
10.PERIODIC STATEMENTS. We will mail you a statement every month showing your previous balance, purchases and cash advances, payments
made on your account, periodicrate, annualpercentage rate, finance charge and itsmethod of computation, anyother charges, grace period, pay-
mentduedate,proceduresforerrorresolution,MinimumPaymentrequired,andtheclosingdatewithcorrespondingNewBalanceforthebillingcycle.
Youmaynotreceiveastatementonyour Accountiftherehasbeennoactivityor ifcollectionsprocedureshavebeeninitiatedagainstyoubecauseyou
areindefault.Eachstatementisdeemedtobeacorrectstatementunlessyouestablishabillingerror pursuanttotheFederalTruthinLendingActas
describedinthisAgreement.
11.PAYMENT AND PAYMENT ALLOCATION. ProvidedyourAccounthasabalance,aminimummonthlypaymentisdueeachandeverymonth,even
ifyoupaymoreinagivenmonththanwhatisrequired.YouagreetomakepaymentsinU.S.dollarsdrawnonaU.S.bank.Wewillapplyyourpayments
inanymanner wechoose,atour discretion,exceptasotherwiseprovidedbylaw.Allpaymentswillbeprocessedasofthecloseofthebusinessdayon
whichtheyarereceived.Wereservetherighttochangethemannerinwhichpaymentsareallocated.
12.DISPUTED BALANCE PAYMENTS. Anypaymentcheckor other formofpaymentthatyousendusfor lessthanthefullbalanceduethatismarked
�paid in full� or contains a similar notation, or that you otherwise tender in full satisfaction of a disputed amount, must be sent to the attention of the
Credit Card DisputesDepartment, Dow ChemicalEmployees�Credit Union, 600 ELyon Rd, Midland, POBox1649, MI 48641-1649. We reserve all
our rightsregardingthesepayments(e.g.ifitisdeterminedthatthereisnovaliddisputeor ifanysuchcheckisreceivedatanyother address,wemay
acceptthecheckandyouwillstilloweanyremainingbalance).Wemayrefusetoacceptanysuchpaymentbyreturningittoyou,notcashingit,ordes-
troyingit.Allotherpaymentsthatyoumakeshouldbesenttotheappropriatepaymentaddress.
13.DEFAULT. You willbe in default and we may, to the extent permitted bylaw, terminate your credit line and declare the entire unpaid balance of the
accountimmediatelydueandpayable,underanyofthefollowingconditions:
lyoufailtomaketheminimumpaymentbythestatementpaymentduedate;
lyoubreachanyotherpromisesmadeinorconditionsoftheAgreementand/oranyotheragreementwithus;
lyouuseyourcardforanillegaltransaction;
lif you become involved in any insolvency, receivership, guardianship, conservatorship, or any other proceeding which determines you are
incapableofmanagingyourfinancialaffairs,includingfilingforBankruptcy;
lyou have made a false or misleading statement in your credit application and/or in your representation to us while you owe money on your
account;
lajudgmentor taxlienisfiledagainstyouor anyattachmentor garnishmentisissuedagainstanyofyour propertyor accounts,includinganyone
startinganactionorproposingtoseizeanyofyourfundsondepositwithus;
lwe in good faith determine that your creditworthiness (which includes your ability to repay us) has become unsatisfactory due to change in
employment,increaseinyourotherobligations,orbecauseofanyotherreason,timebeingoftheveryessence;
lyoudie;or
lgovernmentactionprecludesusfrom imposingtheannualpercentagerateor agovernmentauthorityhasnotifiedusthatcontinuedadvances
constituteanunsafeandunsoundpractice. 14.COLLECTION COSTS. Youalsoagreethat,incaseofdefault,youwillpayallusualandcustomarycostsofcollectionpermittedbylaw,including,but
notlimitedto,attorneyfeesandexpensesincurredbyusintheenforcementofthisagreement.
15.DELAY OR FAILURE TO ENFORCE. We do not lose our rights under this or any related agreement if we delay or fail to enforce them. We can
acceptlatepayments,partialpaymentsoranyotherpaymentswithoutlosinganyofourrightsunderthisAgreement.
16.NOTIFICATION OF ADDRESS CHANGE. Youagreetonotifyuspromptlyifyouchangeyourname,addressortelephonenumber.
17.ADDRESS FOR NOTICES TO US. Except asotherwise expresslyprovided,allnoticesunder thisAgreement must be in writing and mailed to Dow
ChemicalEmployees�CreditUnion,600ELyonRd,POBox1649Midland,MI48641-1649.
18.CHANGE IN TERMS. From time to time, we may amend this Agreement by mailing a written notice of the amendment to you at the last address
shownforyouinourrecords.Intheeventthetermswearechangingrequireadvancenoticebylaw,wewillcomplywiththerequirementsofthatlaw.
19.YOU MAY CANCEL THE ACCOUNT .Youmaycanceltheaccountwhenever youchoose.Ifyoudo,youagreetocuteachCardinhalfandreturnit
tousattheaddressshowninSection17above,alongwithyour writtennotificationthatyouwishtocanceltheaccount.Suchcancellationwillbecome
effective within five daysafter the notice isreceived byus. You willstillbe responsible for the repayment of anyoutstanding balance on your account
andanyotheramountsthathavenotyetbeenbilledtoyou.
20.WE MAY CANCEL THE ACCOUNT. Wehavetherighttocanceltheaccountatanytimeuponwrittennoticesenttoyouatthelastaddressshownfor
youinourrecords.IfwecanceltheAccount,youagreetodiscontinuetheuseoftheCards,andtoreturntheCardstous,atourrequest.
21.CREDIT REPORTING AGENCIES. Youauthorizeustoinvestigateyourcreditstandingwhenopening,renewingorreviewingyourAccount,andyou
authorizeustodiscloseinformationregardingourexperiencewithyouunderthisAgreementtoconsumerreportingagencies,bureausandothercred-
itors.Ifyourequestitwewillprovidethenameandaddressofeachconsumer reportingagencyusedfor thispurpose.Ifyoubelievewehavereported
inaccurate information about you to a consumer reporting agency, please notifyusat the addressprovided above in Section 17. In doing so, please
identifytheinaccurateinformationandtelluswhyyoubelieveitisincorrect.Ifyouhaveacopyofthecreditreportthatcontainstheallegedinaccurate
information,pleasesendusacopyofthatreportaswell. You are hereby notified that negative information will be provided to appropriate
consumer reporting agencies if you fail to performyour obligations under this agreement.
22.TRANSACTION SLIPS. Your periodicstatement willidentifythe merchant, electronicterminallocation, or financialinstitution at which transactions
weremade,butsales,cashadvances,creditor other slipscannotbereturnedwitheachstatement.Youmustretainthecopyofsuchslipsfurnishedat
the time of each transaction in order to verifythe transactionslisted on your statement. You agree to paya reasonable fee for photocopiesof trans-
actionslipsthatyourequest.
23.CREDITS. IfmerchantswhohonoryourCardgiveyouacreditforreturnsoradjustments,theywilldosobysendingusacreditslipwhichwewillpostto
your Account.Youshouldkeepyour copyofthecreditsliptoverifyyour monthlystatement.Ifyour creditsandpaymentsexceedwhatyouoweuson
theAccountwewillcreditsuchexcesstotheAccountand,iftheamountis$1.00ormore,wewillcreditittoyourcreditunionshareaccountaftertwo(2)
monthsoruponyourwrittenrequest.
24.INTERNATIONAL TRANSACTIONS. If You incur chargesin anyforeign countryor in anyforeign currency,such chargeswillbe converted to U.S.
dollars. The conversion mayoccur after the transaction date and the conversion rate maydiffer from the rate of exchange in effect at the time of the
transaction.YouagreetopaytheconvertedamounttousinU.S.dollars.Theexchangeratefor transactionsinaforeigncurrencywillbearateselec-
tedbyVISAfrom therangeofratesavailableinwholesalecurrencymarketsfor theapplicablecentralprocessingdate,whichratemayvaryfrom the
rateVISAitselfreceives,orthegovernmentmandatedrateineffectfortheapplicablecentralprocessingdate.
25.TRANSACTIONS WITH MERCHANTS.
lReturnPolicies�Ifamerchantdisclosesapolicysuchasbutnotlimitedto�noreturns,� �norefunds,� �asis,� or �allsalesfinal� youwillbebound
bythatpolicywhenyouuseyourAccounttobuygoodsorservicesfromthatmerchant.
lReservations� When using your Account to make a travelor lodging reservation, obtain the merchant�scancellation policyand follow it if you
wishtocancel.Ifyoucancel,obtainthemerchant�scancellationnumber thattheyarerequiredtoprovidetoyou.Themerchantmaychargeyou
foracancelledtransactionunlessyoucanprovideuswiththemerchant�scancellationnumber.
lRecurring Transactions � If you authorize a merchant to charge your Account for repeat transactions without your Card, you must notify the
merchant,andnotus,whenyouwanttodiscontinuetherepeattransactions.
lDisputeAccess�Ifyoudisagreewithatransactiononyourstatementorhaveadisputewithamerchantasaresultofatransaction,youagreeto
provide us with information and assistance we reasonably request. Otherwise, you will pay us for any resulting loss we have, unless we are
prohibitedbylawfromholdingyouliableforourloss.
26.CARD AGREEMENT. Youunderstandthatyour VISACreditCardisissuedbyus,remainsour property,andissubjecttorulesgoverningATMnet-
works, which financialinstitutionsmust follow. The cardsare not transferable. Byusing your card, you are agreeing to the following additionalterms:
(1) ToabidebytherulesandregulationsandthoseoftheparticipatingATMnetworkasmaybeamended;(2) ThatweandtheATMnetworkmayfol-
lowallelectronicinstructionsgiventhroughtheATM;(3)thatwemayrestricttheuseoforterminateyourcardatanytimewithoutnoticetopreventloss
toyouraccountortotheCreditUnion;(4)yourCardmaynotbeusedforanyillegaltransaction.
27.DAILY LIMITS. YouagreetoadheretoanydailylimitsestablishedbytheCreditUnioninconformancewiththeATM networkagreementandwhich
aresubjecttomodificationtopreservetheintegrityoftheATMnetworkandpreventlosstotheCreditUnionor itsmembers.Youmayberestrictedto
nomorethanthreecashadvancesperday,andnomorethan$500perday,fortransactionsmadeatanATM.
28.PERSONAL IDENTIFICATION NUMBER (PIN). Generally,youwillreceiveaPersonalIdentificationNumber(PIN).YouagreetokeepthePINcon-
fidential. You also agree you won�t write the PIN on the Card or anything you keep with the Card. Your use of the PIN and Card in getting a Cash
AdvanceormakingaPurchaseisagreedtoconstituteyoursignatureforpurposesofsuchtransactions.Youcanalsouseyourcardtogetherwithyour
PersonalIdentificationNumber (PIN) togetaCashAdvancefromanAutomatedTeller Machine(ATM) intheVISANetwork,togetaCashAdvance
fromaVISAfinancialinstitution,ortomakeaPurchasefromamerchantthatusestheCardinanelectronicterminalthataccessestheVISAsystem.IF
YOU FORGET OR DO NOT ENTER YOUR PIN CORRECTLY, THE ATM MAY KEEP YOUR CARD THE THIRD TIME THE PIN IS ENTERED
INCORRECTLY.THISPROCEDUREISFORSECURITYMEASURES.KEEPYOURPININASECRET PLACE.IfyouauthorizeustoissueaCard
to anyone else for use through any electronic access device, you are authorizing that individual to withdraw funds from any account which can be
accessedbythatcard,regardlessofwhetherthatindividualisauthorizedtowithdrawmoneyfromtheaccountforanyothermeans.
29.LIABILITY FOR FAILURE TO COMPLETE TRANSACTIONS. We willnot be liable for transactionsthat are not completed if anyof the following
circumstancesapply:
lThroughnofaultofours,youdonothavesufficientfundsavailableinyourcreditline;
lThetransactionwouldcauseyoutoexceedyourcreditlimit;
lTheATMwhereyouarerequestingacashadvancedoesnothaveenoughcash;
lTheterminalorsystemwasnotworkingproperlyandyouknewofthemalfunctionatthetimeyouinitiatedthetransactions; lCircumstancesbeyondourcontrol(suchasfireorflood)preventthetransaction,despitereasonableprecautionswehavetaken;
lYourCardisretrievedorretainedbytheATM;
lYourCardorPINhasbeenreportedlostorstolenandyouraccounthasbeenblockedorfrozen;
lYouraccountisindefault;
lYouoranyoneauthorizedbyyoutoconductatransactioncommitsfraudorviolatesanylawsorregulations;or
lYoufailtofollowtheinstructionsonthescreenorterminal.
30.LIABILITY FOR UNAUTHORIZED USE. You maybe liable for the unauthorizeduse ofyour creditcard.You willnotbe liable for unauthorizeduse
thatoccursafter younotifyUsattheaddressor telephonenumber setforthbelow.Youmustnotifyusorallyor inwritingoftheloss,theft,or possible
unauthorizeduse.Inanycase,yourliabilitywillnotexceed$50.00.Notifyusat:
CUSTOMERSERVICECENTER
P.O.BOX31112
TAMPA,FLORIDA33631-3112
800-449-7728
31.LIMITATIONS OF RESPONSIBILITY. Wewillnotberesponsiblefor merchandiseor servicespurchasedbyyouwiththeCard.Wearenotliablefor
the refusalor inabilityof merchants, financialinstitutionsand othersto accept your card(s) or electronicterminalsto honor them or complete a trans-
action,orfortheirretentionoftheCard(s).
32.BUSINESS DAY. OurbusinessdaysareMondaythroughFriday.Saturdays,Sundaysandfederalholidaysareexcluded.
33.GOVERNING LAW. The Agreement and your Account and any claim, dispute, or controversy arising from or relating to this Agreement or your
Account, whether based on contract, tort, fraud, and other intentional torts, statute, common law and/or equity, are governed by and construed in
accordance with the lawsof the State of Michigan (without regard to itsconflictsof lawsprinciplesor rules) and applicable federallaws. The legality,
enforceabilityand interpretation of thisAgreement and the amountscontracted for, charged and received under thisAgreement willbe governed by
suchlaws.ThisAgreementisenteredintobetweenyouandusintheStateofMichigan,andwemakecreditdecisionsunder thisAgreementfromthe
StateofMichigan.Totheextentallowedbyapplicablelaw,Youfurther consenttothejurisdictionandvenueoftheStateor FederalCourtslocatedin
MidlandCounty,Michigan.
34.ASSIGNMENT. Wemaysell,assignor transfer allor anyportionofyour Account,or anybalancedueunder your Account,withoutprior noticetoyou.
Youmaynotsell,assignortransferyourAccountoranyobligationsunderthisAgreement.
35.LOST/STOLEN CARDS. YouagreetonotifyusimmediatelyupondiscoveringthatyourCardhasbeenlostorstolenbycallingusat8004497728,24
hoursperday.
36.INFORMATION ABOUT YOU AND YOUR ACCOUNT. Wewillnotdiscloseyour non-publicpersonalinformationtounaffiliatedthirdpartiesexcept
asotherwise permitted or authorized bylaw. Please refer to our PrivacyPolicyNotice for a fullexplanation of how we protect your information. You
mayobtainacopyofourPrivacyPolicyNoticebyvisitingwww.dcecu.orgorbycallingusat989-835-7794.
37.BENEFITS AND PROGRAMS. Wemayfromtimetotimeoffer additionalservicestoyour Accountsor specialprogramsrelatedtoyoubeingaCard-
holder,suchastheoptionfor eligiblecardholderstoskipapaymentinJanuary,atnoadditionalcosttoyoubeyondnormalINTEREST CHARGE.You
understandandagreethatwearenotobligatedtooffersuchservicesorprogramsandmaywithdraworchangethematanytime.
38.SEVERABILITY. IfanyprovisionofthisAgreementisdeterminedtobevoidor unenforceableunder applicablelaw,regulation,or rule,allother pro-
visionsofthisAgreementshallbevalidandenforceable.
39.ENTIRE AGREEMENT / EFFECT OF AGREEMENT. This Agreement, together with any application you signed or otherwise submitted in con-
nectionwiththeAccount(whichisherebyincorporatedbyreferenceinthisAgreement),constitutestheentireagreementbetweenyouandusrelating
toyourAccount,supersedesanyotherpriororcontemporaneousagreementbetweenyouandusrelatingtoyourAccount,andappliestoeverytrans-
actionrelatingtotheAccounteventhoughasalesor cashadvancedraftyousignor acreditslipmaycontaindifferentterms.ThisAgreementmaynot
beamendedexceptinaccordancewiththeprovisionsofthisAgreement.YoufurtheracknowledgereceiptofacopyofthisAgreement.
40.CREDIT UNION MEMBERSHIP. You understand and agree that one of the requirements for obtaining this Account is your continued status as a
memberoftheCreditUnion.Uponterminationofthatmembership,youcannolongerobtaincreditwiththeCard.
41.COMMUNICATION MONITORING AND RECORDING. Youagreethatwe,our agents,andour servicecompaniesmaymonitor and/or recordany
telephoneand/orelectroniccommunicationsbetweenyouandus. YOURBILLING RIGHTS: KEEPTHISDOCUMENT FORFUTURE USE
This notice informs you about your rights and responsibilities under the Fair Credit Billing Act.
WhatToDoIfYouFindAMistake OnYourStatement
Ifyouthinkthereisanerroronyourstatement,writetousat:
CUSTOMERSERVICECENTER
P.O.BOX31112
TAMPA,FLORIDA33631-3112
Inyourletter,giveusthefollowinginformation:
lAccountinformation:Yournameandaccountnumber.
lDollarAmount:Thedollaramountofthesuspectederror.
lDescriptionofProblem:Ifyouthinkthereisanerroronyourbill,describewhatyoubelieveiswrongandwhyyoubelieveitisamistake.
Youmustcontactus:
lWithin60daysaftertheerrorappearedonyourstatement.
lAtleast3businessdaysbeforeanautomatedpaymentisscheduled,ifyouwanttostoppaymentontheamountyouthinkiswrong.
Youmustnotifyusofanypotentialerrorsinwriting.Ifyoucallus,wearenotrequiredtoinvestigateanypotentialerrorsandyoumayberequiredtopaythe
amountinquestion.
WhatWillHappen AfterWeReceive YourLetter
Whenwe receive your letter,we must dotwothings:
1. Within30daysafterreceivingyourletter,wemusttellyouthatwereceivedyourletter.Wewillalsotellyouifwehavealreadycorrectedtheerror.
2. Within90daysofreceivingyourletter,wemusteithercorrecttheerrororexplaintoyouwhywebelievethebilliscorrect.
While we investigate whether or not there has beenanerror:
lWecannottrytocollecttheamountinquestion,orreportyouasdelinquentonthatamount.
lThechargeinquestionmayremainonyourstatement,andwemaycontinuetochargeyouinterestonthatamount.
lWhileyoudonothavetopaytheamountinquestion,youareresponsiblefortheremainderofyourbalance.
lWecanapplyanyunpaidamountagainstyourcreditlimit.
After we finishour investigation,one of twothings willhappen:
lIfwemadeamistake:Youwillnothavetopaytheamountinquestionoranyinterestorotherfeesrelatedtothatamount.
lIfwedonotbelievetherewasamistake:Youwillhavetopaytheamountinquestions,alongwithapplicableinterestandfees.Wewillsendyouastate-
mentoftheamountyouoweandthedatepaymentisdue.Wemaythenreportyouasdelinquentifyoudonotpaytheamountwethinkyouowe.
Ifyoureceiveourexplanationbutstillbelieveyourbilliswrong,youmustwritetouswithin10daystellingusthatyoustillrefusetopay.Ifyoudoso,wecannot
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,andwemustletthoseorganizationsknowwhenthematterhasbeensettledbetweenus.
Ifwedonotfollowalloftherulesabove,youdonothavetopaythefirst$50.00oftheamountinquestion,evenifyourbilliscorrect.
YourRightsIfYouAreDissatisfied WithYourCreditCardPurchases
Ifyouaredissatisfiedwiththegoodsorservicesthatyouhavepurchasedwithyourcreditcardandyouhavetriedingoodfaithtocorrecttheproblemwiththe
merchant,youmayhavetherightnottopaytheremainingamountdueonthepurchase.
Tousethisright,allofthefollowingmustbetrue:
1. Thepurchasemusthavebeenmadeinyourhomestateorwithin100milesofyourcurrentmailingaddress,andthepurchasepricemusthavebeen
morethan$50.(Note:Neitherofthesearenecessaryifyourpurchasewasbasedonanadvertisementwemailedtoyou,orifweownthecompany
thatsoldyouthegoodsorservices.)
2. Youmusthaveusedyourcreditcardforthepurchase.PurchasesmadewithcashadvancesfromanATMorwithacheckthataccessesyourcredit
cardaccountdonotqualify.
3. Youmustnotyethavefullypaidforthepurchase.
Ifallofthecriteriaabovearemetandyouarestilldissatisfiedwiththepurchase,contactusinwritingat:
CUSTOMERSERVICECENTER
P.O.BOX31112
TAMPA,FLORIDA33631-3112
While we investigate,the same rulesapplyto the disputed amountasdiscussed above.After we finish our investigation,we willtellyou our decision.At that
point,ifwethinkyouoweanamountandyoudonotpay,wemayreportyouasdelinquent.
DOW��CHEMICAL�EMPLOYEES'CREDIT�UNION
989.835.7794�800.835.7794
www.dcecu.orgLastRevised: February 2,2018