DATE OF BIRTHBORROWER'S NAME AND ADDRESSCO-BORROWER'S NAME AND ADDRESSACCOUNT NUMBERDATE OF BIRTHLASER IA FI14086 1-2010CREDIT CARD AGREEMENTCOPYRIGHT 2006 Securian Financial Group, Inc. All rights reserved.page 1 of 41630 King StreetAlexandria, VA 22314-2745INTHISAGREEMENTTHEWORDS"I","ME"AND"MY"MEANTHECARDHOLDER(S).THEWORDS"YOU","YOUR"AND"YOURS"MEANSTATEDEPARTMENTFEDERALCREDIT UNION. ONCE I HAVE ACCEPTED, SIGNED OR USED MY CREDIT CARD, I HAVE AGREED TO THE TERMS OF THE AGREEMENT. The following definitions apply to the terminology used in this Agreement:AnnualPercentageRate:Thecostofmycreditatayearlyrate.BillingCycle:Thetimeintervalbetweenregularmonthlybillingstatementdates,beginningwiththefirstdayaftertheclosingdateofthepreviouscyclethrough the closing date of the current cycle.Card:AnyCreditCardissuedbyyouformyusetoobtainmoney,propertyorservices on credit.Cardholder:AnypersonforwhoseaccounttheCardisissuedandanyauthorized user of the Card.CashAdvance:ExtensionofcreditbyyouformoniespaidoutbyyouoranyotherfinancialinstitutionhonoringtheCardtomethroughuseoftheCardand/or PIN.ClosingDate:ThedateofthelastdayofaBillingCycle.CreditLimit:ThemaximumamountofcreditavailabletomeassetfortheAccount by you from time to time.InterestCharge:ThecostofcreditextendedtomeontheAccountresultingfromapplyingaPeriodicRatetotheAverageDailyBalancesofCashAdvances and Purchases.NewBalance:Thebalanceofallpurchases,cashadvances,feesandfinance charges outstanding on the closing date.PersonalIdentificationNumber(PIN):AnumberissuedbyyoutobeusedinconjunctionwithmyCardtoreceivecashadvancesatAutomatedTellerMachines (ATM).PreviousBalance:ThebalanceoftheAccountatthebeginningoftheBillingCycle.(Itisthesameamountthatwasshownas"NewBalance''ontheClosing Date on the statement for the preceding Billing Cycle.)Purchase:Extensionofcreditbyyouforgoods/servicesobtainedbymefroma seller of goods/services through use of the Card. TERMS AND CONDITIONSImayusetheCard,onthetermshereofonly,tobuygoodsorservicesfrommerchantshonoringtheCardorreceivecashadvancesfromyouoranyotherfinancialinstitutionhonoringtheCarduptomycreditlimit,ifIfollowanyreasonableandproperproceduresrequiredbyyou,themerchant,oranyotherfinancialinstitutionhonoringtheCard.ImayalsoobtaincashadvancesusingmyPINinconjunctionwithmyCardinaccordancewithinstructionsgivenbytheATMorotherelectronicterminalallowingaccesstomyCreditCardaccount.Myperiodicstatementwillidentifythemerchant,electronicterminal,orfinancialinstitutionwhereeachtransactionismade.AsIrepaypurchasesandcashadvances,myavailablecreditincreasesbytheamountoftherepayment;andImaymakeadditionalpurchasesorreceiveadditionalcashadvancesuptotheamountofmyavailablecredit.TheCardmustbesignedbymetoinsureproperuse.IagreetopayyouforcreditextendedpursuanttotheuseoftheCardbymeoranypersontowhomIgiveexpress,impliedorapparentauthority(includingminorchildren),togetherwithallapplicableinterestchargesandothercharges,andinaccordancewiththeterms of this agreement.INTERESTCHARGESONPURCHASES:Youwillimposeaninterestchargeonpurchasesoutstandinginabillingcyclewhentheentirepreviousbalanceisnotpaidonorbeforemypaymentduedate.Youcomputetheinterestchargeonpurchasesbyapplyingamonthlyperiodicratetothe"averagedailybalance''ofpurchasesinthebillingcycle(includingcurrenttransactions).Themonthlyperiodicrate,subjecttochangemonthlyonthefirstdayofthebillingcycle,willbe1/12oftheAnnualPercentageRatedeterminedbyaddingtheappropriatenumberofpercentagepoints(seeTruth-in-LendingStatement)tothePrimeRatepublishedintheWallStreetJournalasofthelastdayofthemonthprecedingthechange.Whenarangeofratesispublished,thehighestrateisused.Anyincreaseintheinterestratemaytaketheformof[morepaymentsofthesameamount]or[higheramounts].Theratewillchangenomorethanoncepermonth.Togetthe"averagedailybalance''ofpurchases,youtakethebeginningbalanceofpurchaseseachday,addanynewpurchases(asofthedateofposting),andsubtractanypaymentsorcredits(asofthedateofposting),andunpaidinterestchargesandotherchargesapplicabletopurchases.Thisgivesyouthedailybalance(creditbalanceswillbeconsideredas$0).Thenyouaddupallthedailybalancesforthebillingcycleanddividethetotalbythenumberofdaysinthebillingcycle.Thisgivesyouthe"averagedailybalance''ofpurchases.         Imayavoidadditionalinterestchargesbypayingthenewbalanceinfullonor before the payment due date which will be 25 days after the closing date.INTERESTCHARGESONCASHADVANCES:Youwillimposeaninterestchargeoncashadvancesfromdatemadetodatepaid.Ifacashadvanceispostedinabillingcycle,buthasatransactiondateprecedingthebillingcycle,thenthefirstdayofthecurrentbillingcyclewillbeconsideredtobethe"dateofthetransaction''forthepurposesofcomputingtheinterestcharge.Youcomputetheinterestchargeoncashadvancesbyapplyingamonthlyperiodicratetothe"averagedailybalance''ofcashadvancesinthebillingcycle(includingcurrenttransactions).Togetthe"averagedailybalance''ofcashadvancesyoutakethebeginningbalanceofcashadvanceseachday,addanynewcashadvances(asofdateoftransaction),andsubtractanypaymentsorcredits(asofdateofposting),andunpaidinterestchargesandotherchargesapplicabletocashadvances.Thisgivesyouthedailybalance(creditbalanceswillbeconsideredas$0).Then,youaddupallthedailybalancesforthebillingcycleanddividethetotalbythenumberofdaysinthebillingcycle.Thisgivesyouthe"averagedailybalance''ofcashadvances.AfeewillbechargedforeachcashadvancereceivedatanATMorotherelectronic terminal. There is no charge for over-the-counter cash advances.TOTALINTERESTCHARGE:Thetotalinterestchargeimposedduringabillingcyclewillbethesumoftheproductsof(a)theinterestchargesonpurchases,and(b)theinterestchargesoncashadvances.Ifaninterestcharge is imposed, the minimum will be 50 cents.         OTHERCHARGES:(a)CashAdvanceFeeforadvancesreceivedatanATMorotherelectronicterminal;(b)AnnualFee:AprepaidAnnualFeemaybeimposedoneachaccountannuallyforwhichavalidCardisissued.(c)ServiceFee:AServiceFeemaybechargedforthecostofCreditCardsalesdraftsand/oractualcostforretrievalsaspostedbyyoufromtimetotime.(d)ReplacementCardFee:AreplacementfeemaybechargedforeachlostCard.(e)LateCharge:Alatechargewillbeappliedanytimeapaymentisreceived more than 5 days after the due date.Allfeeswillautomaticallybechargedtothisaccount.RefertoImportantCredit Card Disclosures for specific fee amounts.CREDIT CARD AGREEMENT AND TRUTH IN LENDING DISCLOSUREBORROWER NAMEACCOUNT NUMBERINTHISAGREEMENTTHEWORDS"I","ME"AND"MY"MEANTHECARDHOLDER(S).THEWORDS"YOU","YOUR"AND"YOURS"MEANSTATEDEPARTMENTFEDERALCREDIT UNION. ONCE I HAVE ACCEPTED, SIGNED OR USED MY CREDIT CARD, I HAVE AGREED TO THE TERMS OF THE AGREEMENT. AUTOMATEDTELLERMACHINE(ATM)ACCESS:SDFCUwillautomaticallyissueaPersonalIdentificationNumber(PIN)uponapprovalofmyCreditCardline-of-credit.ThisPINmaybeusedtoaccessmyaccountatATMs.CashadvancesreceivedthroughuseofthisdevicewillbesubjecttoallthetermsdisclosedinthisAgreement.Topreventlosses,IdonotauthorizeotherpartiestousemyCard,andundernocircumstancesshouldIdivulgemyPINtoanyotherperson,orcarrymynumberwithmyCardornearmyCard.ToreleasethisinformationisaviolationofmyCreditCardprivilegesandmayresultintherevocationofthoseprivileges.Iunderstandthat I should memorize my PIN.ATMcashadvancesarelimitedtoadailymaximumof$800.Thereisalimitof4transactionsperday.Imaynormallyaccessmyaccount24hours-a-day,7 days-a-week, including holidays.TERMINALTRANSFERS:IcangetareceiptatthetimeImakeanytransfertoorfrommyaccountusinganautomatedtellermachineorpoint-of-saleterminalwhenthetransferismorethan$15.00.Imaynotgetareceiptifthetransfer is $15.00 or less.LIABILITYFORUNAUTHORIZEDUSE-LOST/STOLENCARDNOTIFICATION:Iagreetonotifyyouimmediately,orallyorinwritingatStateDepartmentFederalCreditUnion,Attn:CardServicesDepartment,1630KingStreet,Alexandria,VA22314-2745ortelephone(800)296-8882,oftheloss,theft,orunauthorizeduseofmyCreditCard.ImaybeliablefortheunauthorizeduseofmyCreditCard.IwillnotbeliableforunauthorizedusethatoccursafterInotifyyouoftheloss,theft,orpossibleunauthorizeduse.IwillhavenoliabilityforunauthorizedpurchasesmadewithmyCreditCard,unlessIamgrosslynegligentinthehandlingofmyCard.Inanycase,myliability will not exceed $50.STATEMENTS:Youwillbillmemonthly,onadateselectedbyyou,foramountsdueunderthisAgreement.Uponreceiptofeachmonthlyperiodicstatement,Ishouldexamineitandimmediatelynotifyyouinwritingpursuanttotheinstructionsonthe"BillingRights,''ofanychargeoritemwhichIbelievetobeinerrororsubjecttodispute.Anychargeoritemshallbeconclusivelydeemedtobecorrectandundisputedunlessyouarenotifiedtothecontrarywithin60daysafterthemonthlyperiodicstatementreflectingsuchchargeoritemismailedtome.Iwillpaysuchstatementbyremittingtoyouonorbeforethepaymentduedatereflectedonthestatementeitherthefullamountbilledor,atmyoption,aninstallmentequaltoatleasttherequiredminimumpaymentstatedintheMinimumMonthlyPaymentparagraph below.MINIMUMMONTHLYPAYMENT:IftheoutstandingbalanceoftheAccountis$20orless,itwillbepayableinfull.Therequiredminimummonthlypaymentshallbethegreaterof(a)$20or(b)two(2)percentofthatportionoftheoutstandingbalancewhichdoesnotexceedtheestablishedcreditlimit,plustheentireportionoftheoutstandingbalanceinexcessoftheestablishedcredit limit, plus any amount past due.PAYAHEADOPTION:ImayreducetheminimumpaymentdueonthenextoneortwostatementsIreceivebypayingmorethantheminimumpaymentonmycurrentstatement.IfIhaveanopenaccountandIdonotpaybyautomaticdeduction,andIpaymorethantheminimumpaymentshownonmycurrentstatement,theexcessamountwillreducetheminimumpaymentdueonmynextstatement,ormynexttwostatementsiftheexcessamountissufficient.Imaynotreducetheminimumpaymentonmorethanmynexttwostatements under the Pay Ahead Option.  APPLICATIONOFPAYMENTS:PaymentswhenpaidduringaBillingCyclewillgenerallybeappliedtoamountsoutstandingatthetimepaymentisreceived in the following order:1.InterestCharges2.OtherCharges3.CashAdvances4.PurchasesIfapaymentisreceivedthatisinexcessoftheminimumpaymentrequired,youwillallocatetheexcesstothebalancewiththehighestAnnualPercentage Rate.PERIODICCREDITREVIEW:Iunderstandthatyoumayreviewmyloanfileatleastonceevery12months,andIherebygivepermissiontoandauthorizethe Credit Union to investigate and reassess my credit worthiness.REAPPLICATION:IunderstandthatareapplicationbymyselfandapprovalbyyourLoanOfficershallberequiredif:(a)Thecreditlimitisincreased,or(b)Thetermsofpaymentareextendedbeyondtermsoftheoriginalagreement.OVERLIMIT:IshallnotusetheCardifsuchusewouldmakemydebttoyougreaterthanmycreditlimit.However,youmay,atyouroption,recognizetransactions(andextendcredit)whichwillcausemyoutstandingbalancetoexceedmycreditlimitandIwillbeliableforsuchtransactions.Afeemaybecharged for overlimit transactions.AUTOMATICINCREASES:Automaticincreasesmaybeappliedtothoseaccountsingoodstanding.Notificationofsuchincreaseswillbemailedtothebillingaddress.PrimaryownersoftheCardsareresponsiblefornotifyinganyjoint owners of their increased liability.DELINQUENT/PASTDUEACCOUNTS:IfIfailtopayaninstallmentontime,theentirebalanceonthisaccountshallbecomeimmediatelydueandpayableatyouroption.Ifullyunderstand,acknowledgeandagreethatifmyaccountbecomesdelinquentorpastdue,myCardand/orPINshallberevoked,unlessyourLoanOfficerdeterminesthatextenuatingcircumstanceshavecontributedtothedelinquency.Undersuchcircumstances,youmayatyour option approve my continued use of the Card and/or PIN.  VOLUNTARYTERMINATIONOFACCOUNT:AstheCardholder,IunderstandthatIcanrepayanyoutstandingbalancepriortomaturityinwholeorinpartatmyoption.ShouldIdesiretoterminatethisline-of-creditagreement,IwillsurrendertoyouallCardsinmypossessionalongwithwrittennotificationoftermination,andpayinfullallprincipalandinterestdueand owed the Credit Union. TERMINATIONOFACCOUNTBYSDFCU:Ifyoudecidetoterminatemyline-ofcredit,Iwillreceivewrittennotificationofsuchtermination;however,Iunderstandandacknowledgethatsuchterminationshallnotaffectmyobligationtopayanyoutstandingbalance.Iacknowledgeandagreethatyoumay terminate or modify this Agreement under the following conditions: (a)Uponadversereevaluationofmycreditworthiness,or(b)Atmyoptionoratyouroptionifthereisgoodcause.UNCOLLECTEDITEMS:Shouldacheckcreditedaspaymenttowardthisaccountbereturnedasanuncollecteditemforanyreason,Iagreethattheamountofthecheckplusareasonablefeeforspecialhandlingmaybecharged back to this account as a purchase item.COSTSOFCOLLECTION:IagreethatifIfailtomakeanypaymentaccordingtothetermsofthisAgreement,Iwillbeindefaultandyoumayturntheaccountovertoacollectionagencyoranattorneyforcollection.Iagreetopaythecostsofcollection,andiflegalactionbecomesnecessary,topaycourtcostsaswellasattorney'sfeesintheamountequaltotwenty(20)percentoftheprincipalandinterestdueonthisaccount,butsuchchargeisinnoeventtobelessthantheactualcostsincurredbyyou,exclusiveofcourtcosts.ILLEGALTRANSACTIONSPROHIBITED:IagreethatIwillnotusemyCardforanytransactionthatisillegalunderapplicablefederal,state,orlocallaw. FOREIGNTRANSACTIONS;CURRENCYCONVERSION:Purchasesandcashadvancesmadeincrossborder/foreigncurrencieswillbebilledtomeinU.S.dollars.TransactionsprocessedoutsideoftheUnitedStateswillbechargedaforeigntransactionfeeinanamounttobedeterminedbytheCreditUnion,regardlessofwhetherthereisacurrencyconversionassociatedwiththetransaction.Theconversionrateindollarswillbearateselectedbythecreditcardcompanyfromarangeofratesavailableinwholesalecurrencymarketsfortheapplicablecentralprocessingdate,whichratemayvaryfromtheratethecardcompanyreceives,orthegovernment-mandatedrateineffectfortheapplicablecentralprocessingdateineachinstance.AforeigntransactionisanytransactionthatIcompleteoramerchantcompletesonmycardoutsideoftheU.S.,PuertoRicoortheU.S.Virgin Islands; this may include internet transactions.page 2 of 4BORROWER NAMEACCOUNT NUMBERINTHISAGREEMENTTHEWORDS"I","ME"AND"MY"MEANTHECARDHOLDER(S).THEWORDS"YOU","YOUR"AND"YOURS"MEANSTATEDEPARTMENTFEDERALCREDIT UNION. ONCE I HAVE ACCEPTED, SIGNED OR USED MY CREDIT CARD, I HAVE AGREED TO THE TERMS OF THE AGREEMENT. CREDIT CARD AGREEMENT AND TRUTH IN LENDING DISCLOSUREMERCHANTACCEPTANCE:YoushallhavenoliabilityorresponsibilityifanymerchantrefusestohonortheCard.Nocashrefundwillbemadeto,oracceptedby,mewithrespecttoanyadjustmentsforgoodsorservicespurchased,andanyadjustmentinconnectiontherewithshallbeaccomplishedonlybycredittomyaccountwithyouauthorizedbyaproperlyexecuted credit voucher. ADDRESSCHANGES:IwilladviseyoupromptlyifIchangemymailingaddress.Sendalladdresschangesto:StateDepartmentFederalCreditUnion,Attention:CardServicesDepartment,1630KingStreet,Alexandria,VA22314-2745.Allwrittennoticesandstatementswillbesenttomyaddressas it appears on your records.DISCLOSUREAMENDMENTS:YoumayamendthisAgreementatanytimeinanymanneruponwrittennoticetomeorbysuchothernoticeasmaybeallowed or required by law. StateDepartmentFederalCreditUnioncandelayenforcinganyoftheserights any number of times without losing those rights.ThepartiesagreethatthisagreementshallbegovernedbythelawsoftheCommonwealthofVirginiaand/orapplicablefederallaw.ThepartiesfurtheragreethatanycauseofactionshallbedeemedtoariseinAlexandria,Virginiaand consent to venue in Alexandria, Virginia in a court of proper jurisdiction. SECURITY:ISPECIFICALLYGRANTYOUACONSENSUALSECURITYINTERESTINALLINDIVIDUALANDJOINTACCOUNTSIHAVEWITHYOUNOWANDINTHEFUTURETOSECUREREPAYMENTOFCREDITEXTENSIONSMADEUNDERTHISAGREEMENT.THEGRANTINGOFTHISSECURITYINTERESTISACONDITIONFORTHEISSUANCEOFANYCARDWHICHIMAYUSE,DIRECTLYORINDIRECTLY,TOOBTAINEXTENSIONSOFCREDITUNDER THIS AGREEMENT.SharesanddepositsinanIndividualRetirementAccountoranyotheraccountthatwouldlosespecialtaxtreatmentunderstateorfederallawifgivenassecurityarenotsubjecttothesecurityinterestIamgiving.Collateralsecuringotherloanswithyoumayalsosecurepayments for my Account under this Agreement.  CUREWARDS    PROGRAM TERMS AND CONDITIONSRIwillearnonepointforeachdollar($1)ofnetpurchases.Nopointswillbeearnedforcashadvances,includingtransferredbalancesandATMtransactions.Pointsdonotaccumulateforreturnsorforfeesofanykind,suchaslatefees,annualfees,overlimitfees,returnedpaymentfees,insurance charges, or other service charges.Iwillearn1000bonuspointsuponenrollmentintheCURewardsprogram.BonuspointscanalsobeearnedwhenIfinancemyhomewithyou.Iwillearnonebonuspointforeach$100ofthebalanceofanewfirstmortgage,e.g.fora$150,000mortgageIwouldearn1500points,creditedatsettlement.Pointswillaccumulateoverfivecalendaryearsandwillexpireannuallyonafirstin,firstoutbasis,i.e.allpointsearnedinthefirstcalendaryearwillexpireasofthelastbusinessdayofthefifthcalendaryear.Iwillearnpointsaslongasmyannualprogramfeesarepaid,andmyaccountismaintainedinaccordancewiththetermsofmyStateDepartmentFederalCreditUnionCredit Card Agreement and Truth-in- Lending Disclosure.Myaccountmustbeopenandcurrent(nopastduebalances),andtheoutstandingbalancemaynotexceedmyapprovedcreditlimitinordertoredeem points.Pointsarenon-transferable,arenotredeemableforcash,andwillbeforfeitedintheeventmyaccountisclosedeitherbymeorbyStateDepartmentFederal Credit Union.Icansavemypointstoredeemformerchandiseortravelopportunities.Therewardsbeginwithasfewas2500points.Toseethefullselectionofavailableredemptionoptionsandadditionalprogramrules,visitwww.curewards.com.Mymonthlystatementwillreflectthenumberofpointsearnedthroughthecurrent billing cycle.Visitwww.curewards.comorcall(800)900-616024hours-a-dayforpointredemptions, inquiries and updates.Ticketpurchasesmustbemadeatleast21daysinadvance,andthetripmustincludeaSaturdaynightstayorstartingwiththesamepointvalueyoucanearnuptoa$325,$525or$750creditatthetimeofpurchaseofanairlineticketfromthecontractualCURewardstravelagencytoanydestinationonanyairlineatanytimewithnorestrictions.Allticketpurchasesaresubjecttoavailability,blackoutdatesandcertainairlineimposedrestrictions.Ticketsmaybepurchasedinanyone'snameandmailedtoanyaddressIspecify.Iamresponsibleforthedeterminationofanytaxliability.Programparticipationislimitedtoindividualpersons.StateDepartmentFederalCreditUnionreservestherighttoalter,change,orterminatetheCURewardsprogramatanytime,withorwithoutnotice.Youalsoreservetherighttodisqualify individual account holders who violate these program rules.*Reservationsonsomeairlinesmaynotbeavailableifacarrierhasarecord of unreliability and/or customer service problems.page 3 of 4Thisnoticetellsyouaboutyourrightsandourresponsibilitiesunderthe Fair Credit Billing Act.What To Do If You Find A Mistake On Your Statement Ifyouthinkthereisanerroronyourstatement,writetousattheaddress(es)listed on your statement. In your letter, give us the following information: 1.Yournameandaccountnumber.2.Thedollaramountofthesuspectederror.3.Ifyouthinkthereisanerroronyourbill,describewhatyoubelieveiswrongandwhyyoubelieveitisamistake.You must contact us:-Within60daysaftertheerrorappearedonyourstatement.-Atleast3businessdaysbeforeanautomatedpaymentisscheduled,ifyouwanttostoppaymentontheamountyouthinkiswrong.Youmustnotifyusofanypotentialerrorsinwriting.Youmaycallus,butifyoudo,wearenotrequiredtoinvestigateanypotentialerrorsandyoumayhave 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.Within30daysofreceivingyourletter,wemusttellyouthatwereceivedyourletter.Wewillalsotellyouifwehavealreadycorrectedtheerror.2.Within90daysofreceivingyourletter,wemusteithercorrecttheerrororexplaintoyouwhywebelievethebilliscorrect.While we investigate whether or not there has been an error:-Wecannottrytocollecttheamountinquestion,orreportyouasdelinquentonthatamount.-Thechargeinquestionmayremainonyourstatement,andwemaycontinuetochargeyouinterestonthatamount.-Whileyoudonothavetopaytheamountinquestion,youareresponsiblefortheremainderofyourbalance.-Wecanapplyanyunpaidamountagainstyourcreditlimit.After we finish our investigation, one of two things will happen:-Ifwemadeamistake:Youwillnothavetopaytheamountinquestionoranyinterestorotherfeesrelatedtothatamount.BORROWER NAMEACCOUNT NUMBERYOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE-Ifwedonotbelievetherewasamistake:Youwillhavetopaytheamountinquestion,alongwithapplicableinterestandfees.Wewillsendyouastatementoftheamountyouoweandthedatepaymentisdue.Wemaythenreportyouasdelinquentifyoudonotpaytheamountwethinkyouowe.Ifyoureceiveourexplanationbutstillbelieveyourbilliswrong,youmustwritetouswithin10daystellingusthatyoustillrefusetopay.Ifyoudoso,wecannotreportyouasdelinquentwithoutalsoreportingthatyouarequestioningyourbill.Wemusttellyouthenameofanyonetowhomwereportedyouasdelinquent,andwemustletthoseorganizationsknowwhenthe matter has been settled between us. Ifwedonotfollowalloftherulesabove,youdonothavetopaythefirst$50of the amount you question even if your bill is correct. Your Rights If You Are Dissatisfied With Your Credit Card PurchasesIfyouaredissatisfiedwiththegoodsorservicesthatyouhavepurchasedwithyourcreditcard,andyouhavetriedingoodfaithtocorrecttheproblemwiththemerchant,youmayhavetherightnottopaytheremainingamountdue on the purchase. To use this right, all of the following must be true: 1.Thepurchasemusthavebeenmadeinyourhomestateorwithin100milesofyourcurrentmailingaddress,andthepurchasepricemusthavebeenmorethan$50.(Note:Neitherofthesearenecessaryifyourpurchasewasbasedonanadvertisementwemailedtoyou,orifweownthecompanythatsoldyouthegoodsorservices.)2.Youmusthaveusedyourcreditcardforthepurchase.PurchasesmadewithcashadvancesfromanATMorwithacheckthataccessesyourcreditcardaccountdonotqualify.3.Youmustnotyethavefullypaidforthepurchase.Ifallofthecriteriaabovearemetandyouarestilldissatisfiedwiththepurchase, contact us in writing at the address(es) listed on your statement. Whileweinvestigate,thesamerulesapplytothedisputedamountasdiscussedabove.Afterwefinishourinvestigation,wewilltellyouourdecision.Atthatpoint,ifwethinkyouoweanamountandyoudonotpay,wemay report you as delinquent. page 4 of 4