LGE Community Credit Union 
P.O. Box 1188 
Marietta, GA 30061 
770-424-0060
Fax: 770-421-2694
www.lgeccu.org

BUSINESS CREDIT CARD 
AGREEMENT 

IN  THIS  AGREEMENT,  "YOU"  AND  "YOUR"  MEAN  THE  CO MPANY,  EACH  G UARANTO R  AND  ANY  PERSON  WHO  ACCEPTS  THIS  AGREEMENT  OR  USES  THE  CARD.  THE  "CARD"  MEANS 
ANY  CREDIT  CARD ISSUED TO  YOU  OR THOSE  DESIGNATED  BY  YOU  UNDER  THE  TERMS  OF  THIS  AGREEMENT.  "WE",  "US",  "OUR"  AND  THE  "CREDIT  UNION"  MEANS  LGE  COMMUNITY 
CREDIT UNION OR ITS SUCCESSORS. BY USING YOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN. 

THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR 
THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT. 
YOU  SPECIFICALLY  GRANT  US  A  CONSENSUAL  SECURITY 
INTEREST  IN  ALL  ACCOUNTS  T H E   C O M P A N Y   A N D   E A C H 
G U  A R  A N  T O R  HAS  WITH  US  NOW  AND  IN  THE  FUTURE  TO 
SECURE  REPAYMENT  OF  CREDIT  EXTENDED  UNDER  THIS 
AGREEMENT.  YOU  ALSO  AGREE  THAT  WE  HAVE  SIMILAR 
STATUTORY LIEN  RIGHTS  UNDER  STATE  AND/OR  FEDERAL  LAW. 
IF  YOU  ARE 
IN  DEFAULT,  WE  CAN  APPLY  SHARES  TO  THE 
AMOUNT YOU OWE. 
Shares  and  deposits  in  an  Individual  Retirement  Account  or  any  other 
account that  would lose special tax treatment  under state or federal law if 
given are not subject to this security interest. 
If  you  have  other  loans  with  us,  collateral  securing  such  loans  may  also 
secure  your  obligations  under  this Agreement,  unless  that  other  collateral 
is your principal residence or non-purchase money household goods. 

Using  Your  Card.  The  Card  and  the  Account  may  be  used  for  authorized 
business  purposes  only  and  may  not  be  used  for  personal,  family  or 
household  purposes.  You  can  purchase  or  lease  goods  and  services  from 
any  merchant  who  honors  your  Card,  and  you  may  obtain  cash  advances 
from  financial  institutions  and  ATM  machines  that    accept  the  Card,  up  to 
25%of  your  maximum  credit  limit.  You  agree  not  to  present  your  Card  or 
obtain a cash advance for any extension of credit in excess of your available 
credit  limit;  however,  if  you  do  exceed  your  credit  limit,  you  agree  to  make 
immediate  payment  sufficient  to  bring  the  balance  below  the  credit  limit. 
Certain  purchases  and  cash  advances  require  authorization  prior 
to 
completion of the transaction. In some cases, you may be asked to provide 
identification. If our system is not working, we may not be able to authorize a 
transaction,  even  though  you  have  sufficient  credit  available.  Also,  for 
security reasons, we may block the use of your Card in certain countries or 
geographic  areas.  We  will  have  no  liability  to  you  or  others  if  any  of  these 
events occur. 

(PIN).  We  may 

Identification  Number 

issue  a  Personal 
Personal 
Identification  Number  (PIN)  for  use  with  your  Card.  This  PIN  is  confidential 
and should not be disclosed to anyone. You may use your PIN and your Card 
to access your account, and all sums advanced will be added to your account 
balance.  In  the  event  a  use  of  your  PIN  constitutes  an  Electronic  Funds 
Transfer,  the  terms  and  conditions  of  your  Electronic  Funds  Transfer 
Agreement may affect your rights. 
Promise  To Pay. You promise to pay us  in  U.S.  dollars  for  (a)  all  purchases, 
cash  advances,  and  balance  transfers  made  by  you  or  anyone  whom  you 
authorize  to  use  the  Card;  (b)  all  Interest  Charges  and  all  other  charges  or 
fees;  (c)  collection  costs  and  attorney's  fees  as  permitted  by  applicable  law, 
and any costs incurred in the recovery of the Card; and (d) credit in excess of 
your credit limit that we may extend to you. 
Illegal  Transactions. You agree that  your Card  and account  will  not  be used 
to make  or  facilitate  any  illegal  transactions  as  determined  by  applicable  law; 
and that any such use will constitute an event of default under this Agreement. 
We may decline any transaction that we believe to be illegal under applicable 
law,  including  but  not  limited  to  any  transaction  involving  or  relating  to  any 
gambling  activity. You agree  that  we  will  have  no  liability  or  responsibility  for 
any  such  use  by  you  or  any  authorized  user(s);  or  for  declining  any  such 
transaction.  You  further  agree  to  indemnify  and  hold  us  harmless  from  any 
suits,  liability,  damages  or  adverse  action  of  any  kind  that  results  directly  or 
indirectly  from  such  illegal  use.  You promise  to  pay  us  any  and  all  amounts 
owing on your Card for any transactions made by you, even if the transaction 
is determined to be illegal. 
Others  Using  Your Account. If  you  allow  anyone  else  to  use  your  account, 
you  will  be  liable  for  all credit  extended to  such  persons. You promise  to  pay 
for  all  purchases  and  advances  made  by  anyone  you  authorize  to  use  your 
account,  whether  or  not  you  notify  us  that  he  or  she  will  be  using  it.    If 
someone  else  is  authorized  to  use  your  account  and  you  want  to  end  that 
person's  privilege,  you must  notify us  in  writing,  and  if  he  or she  has  a  Card, 
you must return that Card with your written notice for it to be effective. 

Ownership  of  Card. 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 use of the account immediately upon our request. 
Interest Charges. You agree to pay interest at the rate(s) disclosed to you at 
the time you open your account  and as may be changed from time to time in 
law.  Average  Daily  Balance  including  new 
accordance  with  applicable 
transactions:  Interest  Charges  will  accrue  on  your  average  daily  balance 
outstanding  during  the month.  To get  the  average  daily  balance,  we  take the 
beginning  balance  each  day,  add  any  new  purchases,  cash  advances, 
balance  transfers  or  other  advances,  and  subtract  any  payments,  unpaid 
interest  charges,  and  unpaid  late  charges.  This  gives  us  the  daily  balance. 
Then,  we add  up all the daily balances for the billing cycle and divide that  by 
the  number  of  days  in the  billing cycle. We then multiply  that  by  the  periodic 
rate  corresponding  to  the  Annual  Percentage  Rate  on  your  account.  If  you 
have  different  rates  for  purchases,  cash  advances  or  balance  transfers, 
separate  average  daily  balances  for  each  will  be  calculated  and  the 
appropriate periodic rate is then applied to each. 
Grace  Period  on  Purchases  Only:  You  can  avoid  Interest  Charges  on 
purchases  by  paying  the  full  amount  of  the  new  balance  for  purchases  each 
month by the date on which the payment is due.  Otherwise, the new balance 
of  your  account,  and subsequent  advances  from  the  date  they  are  posted  to 
the  account,  will  be  subject  to  an  Interest  Charge.  You cannot  avoid  Interest 
Charges  on  cash  advances  and  balance  transfers;  even  if  you  pay the  entire 
cash  advance  balance  or balance transfer  balance by the payment due date, 
you will incur the Interest Charges accrued from the date the cash advance or 
balance transfer is posted to your account. 
Fees.  In  addition  to  the  Interest  Charges  set  forth  above,  you  agree  to  also 
pay  any  and  all  fees  that  you  incur  as  disclosed  to  you  on  your  Truth-in- 
Lending  Statement  or  similar  disclosures  (as  may  be  amended  from  time  to 
time), or as disclosed to you during the term of your Card. 
If  Your  Card  is  Lost  or  Stolen  or  if  an  Unauthorized  Use  Occurs. You 
agree  to  notify  us  immediately  if  your  Card  is  ever  lost  or  stolen  or  if  an 
unauthorized  use  may  have  occurred.  "Unauthorized  use"  means  the  use  of 
the  Card  by  someone  other  than  you  who  does  not  have  actual,  implied  or 
apparent  authority  for  such  use,  and  from  which  you  receive  no  benefit.  The 
telephone  number  to call  is  (770)  424-0060.  You agree  to follow  up  your  call 
with  notice  in  writing  to  us  at:  LGE  Community  Credit  Union,  Attn:  Support 
Services  Department,  P.O. Box  1188, Marietta,  GA 30061. You also  agree  to 
assist  us  in  determining  the  facts,  circumstances  and  other  pertinent 
information  relating  to  any  loss,  theft  or  possible  unauthorized  use  of  your 
Card and comply with such procedures as we may require in connection with 
our  investigation.  You will  be  liable  for  any  unauthorized  use  only  if  we  can 
prove  that  you  were  negligent  in  your  use  or  handling  of  your  Card,  or  if we 
can prove that you used your Card fraudulently. 
Minimum  Payment  Due;  Crediting  of  Payments.  Payments  are  due  in  the 
amount  and  on  the  date  disclosed  on  your  billing  statement.  If  your  payment 
is  received  by  us  on  a  business  day  at  the  address  and  by  the  time 
designated  on  the  billing  statement,  it  will  be credited to  your  account  on the 
date  of  receipt.  If  payment  is  made  at  any  location  other  than  the  address 
designated  on  the  periodic  statement,  credit  for  such  payment  may  be 
delayed  up  to  five  (5)  days.  Payments  will  be  applied  in  any  order  we 
determine, subject to applicable law. 
Default; Acceleration;  Credit Suspension; Collection Costs. You will be in 
default  if:  (1)  you  fail  to  make  any  payment  on  time;  (2)  if  you  fail  to  keep 
any  promises  you  have  made  under 
this  Agreement  or  under  other 
Agreements  you  have  with  us;  (3)  if  you  die;  (4)  if  you  file  a  petition  in 
bankruptcy or have a bankruptcy  petition  filed  against  you,  or  if  you  become 
involved  in  any  insolvency,  receivership  or  custodial  proceeding;    (5)  if 
anyone  attempts  to take any of  your funds  held  by us  via legal  process  or if 
you  have  a  judgment  or  tax  lien  filed  against  you;  (6)  if  you  make  any 
false,  inaccurate,  or  misleading  statements  in  any  credit  application  or  credit 
update;  (7)  if  we,  in  good  faith,  believe  that  your  ability  to  repay  what  you 
owe  is  or  soon  will  be  impaired,  or  that  you  are  unwilling  to  make  your 
payments;  or  (8)  the  Company  is  sold,  merged,  or  the  majority  ownership  of 
the  Company  has  transferred  to  any  person  and/or  entity  that  did  not  have 
such   majority   ownership   at   the   time   the   Account   was   established. 

Page 1 of 3 

IN THIS AGREEMENT, "YOU" AND "YOUR" MEAN THE COMPANY, EACH GUARANTOR AND ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT 
CARD ISSUED TO YOU OR THOSE DESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS LGE COMMUNITY CREDIT UNION OR ITS 
SUCCESSORS. BY USING YOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN. 

total 

increase  your 

Late  or  Partial  Payments. Any  payment  that  delays  the  reduction  of  your 
balance  will 
interest  costs.  Partial  payments  or 
prepayments  will  not  delay  your  next  scheduled  payment  -  you  will  still  need 
to make the minimum  scheduled payment  by the next scheduled due  date to 
keep  your  account  current. We may  accept  late  payments,  partial  payments, 
checks  or  money  orders  marked  "payment  in  full"  and  such  action  shall  not 
constitute  final  settlement  of  your  account  or  a  waiver  or  forgiveness  of  any 
amounts owing under this Agreement. 
Enforcement. We  do not lose our rights  under this  or any related agreement 
if we delay enforcing them. 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. 
Returns  and  Adjustments. Merchants  and  others  who  honor  the  Card  may 
give  credit  for  returns  or  adjustments,  and  they  will  do  so  by  submitting  a 
credit  slip which  will  be  posted to your account.  If  your credits  and payments 
exceed what you owe us, the amount will be applied against future purchases 
and  cash  advances.  If  the  credit  balance  amount  is  $1  or  more,  it  will  be 
refunded upon your written or verbal request. 
Plan Merchant  Disputes. We  are  not  responsible  for the  refusal  of  any  plan 
merchant  or  financial  institution  to  honor  your  Card.  Also,  we  are  not 
responsible for goods or services that you purchase with the Card unless: (a) 
your  purchase  was  made  in  response  to  an  advertisement  we  sent  or 
participated in sending you; or (b) your purchase cost more than $50 and was 
made  from  a  plan  merchant  in  your  state  or  within  100  miles  of  your  home; 
and  only  if  you  have  made  a  good  faith  attempt,  but  have  been  unable  to 
obtain  satisfaction  from  the  plan  merchant.  You  must  resolve  all  other 
disputes  directly with the plan merchant. We do not warrant any merchandise 
or services purchased by you with the Card. 
Statements and Notices. Statements and notices will be mailed to you at the 
most  recent  postal  address  or  e-mail  address  (if  you  have elected  to  receive 
such documents  via electronic means) you have given us. Notice sent to any 
one of you will be considered notice to all. 
Notification  of  Address  Change.  You  will  notify  us  promptly  if  you  change 
your  address  for  any  reason.  In  order  to  prevent  identity  theft,  your  identity 
may need to be verified before we act upon the notification. 
Copy  Received. You  acknowledge  that  you  have  received  a  copy  of  this 
Agreement. 
Governing  Law. This  Agreement  shall  be  construed  under  federal  law  and 
state law in the state in which we are primarily located, and the venue shall be 
located  in  the  county  and  state  in  which  we  are  primarily  located.  Operating 
regulations of Visa may also apply. This Agreement is the contract that applies 
to  all  transactions  even though  the  sales,  cash  advance,  convenience check, 
credit or other slips you sign or receive may contain different terms. 
NOTICE  TO  UTAH  BORROWERS:  This  written  agreement 
final 
expression  of  the  agreement  between  you  and  the  Credit  Union. This  written 
agreement may not be contradicted by evidence of any oral agreement. 

is  a 

If you are in default, we have the right to demand immediate payment of your 
full account  balance  without  giving  you  notice.  If  immediate  payment  is  
demanded, you agree to continue paying interest charges and  fees until what  
you owe h as been paid,  and any shares  that  were  given as  security for your 
account may  be applied  towards  what  you  owe.  You  agree to  pay  all  
reasonable costs  of  collection,  including  court  costs  and  attorney's  fees,  and 
any costs incurred in the recovery of the Card, subject to applicable law. 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. 

Suspension  of  electronic  services  and  access  to  share  or  deposit 
accounts.  Subject to applicable law, we may suspend some or all electronic 
services  and  access  to  your  checking  or  other  account(s)  if  you  become 
delinquent on any of your credit card or deposit obligations to us or you cause a 
loss to us.  We shall not be liable to you in any regard in connection with such 
suspension of services. 

Additional Benefits/Card  Enhancements . We  may  from  time  to  time  offer  
 cost  to  you.  You  
additional services  to  your  Account  at  no additional
understand that we are not obligated to offer such services and may withdraw 
or change them at any time. 
Convenience Checks. We may,  at our discretion, issue checks to you which 
may be used for any purpose other than making a payment for credit to your 
account. By  signing  such  check,  you  authorize us  to  pay  the  item  for  the  
amount indicated and post  such amount  as  a  cash advance to your account.  
We do not have  to pay any item which would cause  the outstanding balance 
in your account to exceed your credit limit. 
Credit Information.  We  may  from  time  to  time  request  company  and 
 reports  from  the  credit  
personal information  from  you  or obtain credit
reporting agencies  for  the  purpose of updating your credit status. Your failure 
to provide such  information when  requested  by  us  may  result  in  suspension  
of credit  privileges  under this  Agreement, including  your  ability  to  obtain  any  
future advances  by  any  means.  You  authorize us  to  investigate your  credit  
 account.  You  authorize  us  to  
standing when opening or
disclose information  regarding  your account  to  credit  bureau and  creditors  
who inquire about  your credit  standing. 

 reviewing your

 Purchases   and cash

Foreign T ransactions; Currency  Conversion.
advances made in foreign currencies will be billed to you in U.S. dollars. The 
conversion rate in dollars will be a  rate selected by the card company from  a 
range of  rates  available in  wholesale currency  markets  for  the  applicable  
central processing date, which rate may vary from  the rate the card company 
itself receives,  or  the  government -mandated rate  in  effect  for  t he applicable  
central processing  date  in  each  instance.  All  transactions  processed outside  
of the United States (which may include internet transactions) will be charged 
a  foreign  transaction  fee  in  the  amount  disclosed  on  your  Truth-in-Lending 
Statement (as amended from time to time), even if you are located in the United 
States.  An  international/foreign  transaction  is  any  transaction  that  you  complete 
or a merchant completes on your card out of the United States. 
Termination;  Change-in-Terms.  We  may,  by  written  notice,  terminate  this 
Agreement  at  any  time,  subject  to  applicable  law.  You  may  terminate  this 
Agreement  by  written  notice.  Termination by  either  party  shall  not  affect  your 
obligation  to  repay  any  balance  on  your  account  resulting  from  use  of  the 
Card  as  well  as  Interest  Charges  and  fees  incurred.  We  may  change  the 
terms of this Agreement,  including the method of calculating the periodic rate, at 
any  time,  by  written  notice,  subject  to  applicable  law.  Use  of  the  Card 
constitutes  agreement  and  acceptance  of  any  change  in  terms,  unless 
applicable  law  requires  otherwise.  Our  failure  to  exercise  any  of  our  rights  or 
to  take  any  action  shall  not  constitute  a  waiver  of  those  rights,  or  an 
amendment or change in any of the terms of this Agreement. 

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YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE 

This notice tells you about your rights and our responsibilities under the 
Fair Credit Billing Act. 

What To Do If You Find A Mistake On Your Statement 

If you think there is an error on your statement, write to us at the address(es) 
listed on your statement. 

In your letter, give us the following information: 

1. Your name and account number.
2. The dollar amount of the suspected error.
3. If  you  think  there  is  an  error  on  your  bill,  describe  what  you  believe  is

wrong and why you believe it is a mistake.

You must contact us: 

• Within 60 days after the error appeared on your statement.
• At  least  3  business  days  before an  automated  payment  is  scheduled,  if

you want to stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing. You may call us, but if you 
do, we are not required to investigate any potential errors and you may have 
to pay the amount in question. 

What Will Happen After We Receive Your Letter 

When we receive your letter, we must do two things: 

1. Within 30 days of receiving your letter, we must tell you that we received
your letter. We will also tell you if we have already corrected the error.
2. Within 90 days of receiving your letter, we must either correct the error or

explain to you why we believe the bill is correct.

While we investigate whether or not there has been an error: 

• We  cannot  try  to  collect  the  amount  in  question,  or  report  you  as

delinquent on that amount.

• The  charge  in  question  may  remain  on  your  statement,  and  we  may

continue to charge you interest on that amount.

• While you do not have to pay the amount in question, you are responsible

for the remainder of your balance.

• We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen: 

•

•

If we made a mistake: You will not have to pay the amount in question or
any interest or other fees related to that amount.
If we do not believe there was a mistake: You will have to pay the amount
in  question,  along  with  applicable  interest  and  fees.  We  will  send  you  a
statement  of the amount  you  owe  and  the  date payment  is  due. We may
then report  you as  delinquent  if you  do not  pay the amount  we think  you
owe.

If you receive our explanation but still believe your bill is wrong, you must write 
to  us  within  10  days  telling  us  that  you  still  refuse  to  pay. If  you  do  so,  we 
cannot  report  you  as  delinquent  without  also  reporting  that  you  are 
questioning  your  bill.  We  must  tell  you  the  name  of  anyone  to  whom  we 
reported  you  as  delinquent,  and  we  must  let  those  organizations  know  when 
the matter has been settled between us. 

If we do not follow all of the rules above, you do not have to pay the first $50 
of the amount you question even if your bill is correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases 

If you are dissatisfied with the goods or services that you have purchased with 
your credit  card,  and  you  have tried  in  good faith  to correct  the  problem  with 
the merchant, you may have the right not to pay the remaining amount due on 
the purchase. 

To use this right, all of the following must be true: 

1. The  purchase  must  have  been  made  in  your  home  state  or  within  100
miles of  your current mailing  address,  and the  purchase  price must have
been  more  than  $50.  (Note:  Neither  of  these  are  necessary  if  your
purchase was based on an advertisement we mailed to you, or if we own
the company that sold you the goods or services.)

2. You must  have  used  your credit  card  for  the  purchase.  Purchases made
with  cash  advances  from  an  ATM  or  with  a  check  that  accesses  your
credit card account do not qualify.

3. You must not yet have fully paid for the purchase.

If  all  of the  criteria  above  are met    and  you  are  still    dissatisfied    with  the 
purchase, contact us in writing at the address(es) listed on your statement. 

While  we  investigate,  the  same  rules  apply  to  the  disputed  amount  as 
discussed  above.  After  we  finish  our  investigation,  we  will  tell  you  our 
decision. At that point, if we think you owe an amount and you do not pay, we 
may report you as delinquent. 

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