Low Rate VISA© Credit Card Disclosure 

INTEREST RATES AND INTEREST CHARGES 

Annual Percentage Rate 
(APR) for Purchases 

APR for Balance Transfers 

8.90% 

3.90% Introductory APR for 15 billing cycles. 
After that, your APR will be 8.90%. 

APR for Cash Advances 

8.90%. 

Paying 
Interest 

Your due date is at least  25  days after the  close of  each  billing cycle. We  will not 
charge you any interest on purchases (including balance transfers)  if you pay your 
entire balance by the due date each month. We will begin charging interest on cash 
advances on the transaction date. 

Minimum Interest Charge 

None 

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 

To learn more about  factors  to consider when applying for or using a  credit card, 
visit the website of the Consumer Financial Protection Bureau at: 
http:www.consumerfinance.gov/learnmore 

FEES 

  Annual Fee 

Transaction Fees 
 International Transaction Fee 
-with Currency Conversion 

-without Currency Conversion 

Penalty Fees 
 Late Payment 
 Returned Payment Charge 

None 

1.0% of each international transaction in U.S. dollars 
0.8% of each international purchase transaction in U.S. dollars 

Up to $25 
Up to $25 

How We Will Calculate Your Balance: We use a method called “average daily balance (excluding new purchases).” 

Billing  Rights:  Information  on  your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in  Additional 
Disclosures Required by Federal Law. 

Additional Disclosures Required By Federal Law 

1. INTEREST CHARGES: Purchases and Cash Advances made on your Account will be subject to an INTEREST  CHARGE at a Periodic Rate of .7417%, which 
corresponds to an ANNUAL PERCENTAGE RATE (APR) of 8.90%. During the first 15 billing cycles this account is open, Balance Transfers made on your 
account  within  90  days  of  account  opening  will  be  subject  to  a  INTEREST  CHARGE  at  a  Periodic  Rate  of  .3250%,  which  corresponds  to  an  ANNUAL 
PERCENTAGE  RATE  (APR)  of  3.90%.  After  the  first  15  billing  cycles  is  complete,  the  portion  of  the  balance  transfers  remaining  that  qualified  for  the 
introductory APR of 3.9% will then be subject to a finance charge at the Periodic Rate of .7417%, which corresponds to an ANNUAL PERCENTAGE RATE 
(APR) of 8.90%. Beginning on the first day after the account has been open for 90 days, Balance Transfers made on your Account will be subject to a 
INTEREST CHARGE at a Periodic Rate of .7417%, which corresponds to an ANNUAL PERCENTAGE RATE (APR) of 8.90%.  

To avoid  paying INTEREST CHARGES on the balance  of Purchases  (including Balance Transfers) reflected on your monthly statement and, on any new 
purchases appearing on your next monthly statement, you must pay the New Balance of Purchases, shown on your monthly statement, on or before the 
Payment Due Date. The grace period for the New Balance of Purchases extends to the Payment Due Date. The INTEREST CHARGES for a billing cycle are 
computed  by  applying  your  monthly  periodic  rate  to  the  Average  Daily  Balance  of  Purchases,  which  is  determined  by  dividing  the  sum  of  the  daily 
balances during the billing cycle by the number of days in the cycle. Each daily balance of Credit Purchases is determined by subtracting from the previous 
balance of Credit Purchases any payments received and credits as posted to your account, but excluding any unpaid Interest Charges and new purchase 
transactions. 

The INTEREST CHARGE on Cash Advances begins to accrue on the date you obtain the Cash Advance  or the first day of the  billing cycle in which it is 
posted to your account, whichever is later. The INTEREST CHARGES for a billing cycle are computed by applying your monthly periodic rate to the Average 
Daily Balance of Cash Advances. To get the Average Daily Balance, we take the beginning balance of your Account each day, add any new Cash Advances, 

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and subtract any payments, credits, non-accruing fees, and unpaid finance charges. This gives us the daily balance. Then we add up the daily balances for 
the billing cycle and divide the total by the number of days in the billing cycle.  

You can always keep the INTEREST CHARGE to a minimum by making payments, whatever the amount, as promptly and as often as possible. 

2. MINIMUM  PAYMENT:  We  will  mail  you  a  statement  every  month  showing  your  Previous  Balances  of  purchases  and  cash  advances,  the  current 
transactions on your account, the remaining credit available under your Credit Line, the New Balances of Purchases and 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 pay the 
Total New Balance in full, and you will reduce the INTEREST CHARGE by doing so. The Minimum Payment will be either (a) 2% of your Total New Balance, 
or $25.00, whichever is greater, or (b) your total New Balance, if it is less than $25.00 plus (c) any portion of the Minimum Payment(s) shown on prior 
statement(s) which remains unpaid. In addition, at any time your total New Balance exceeds your Credit Line, you agree to immediately pay the excess.  

3. FEES AND CHARGES: You agree to pay the various fees and charges related to this Agreement and included in the Rate and Fee Schedule that is accessible 
to members upon request. You agree to pay any related charges that are imposed as a result of your use of the VISA Credit Card or an ATM. Current fees 
associated with the VISA Credit Card include: 
  Late  Payment:  If  the  required  minimum  payment  due  under  this  Agreement  is  not  paid  within  five  days  after  the  Closing  Date  subsequent  to  the 
Payment Due Date, your account may be charged, and you agree to pay, a LATE CHARGE of $25.00. No further late charges will be imposed after this 
Agreement has become due and payable in full due to default as specified in the section of the Agreement entitled “Default.” 

  Return Payments: If your payment is not honored by your Financial Institution, a RETURN PAYMENT PENALTY FEE of up to  $25.00 may be assessed. 

Checks returned NSF (Non-Sufficient Funds) or UCF (Uncollectible Funds) are subject to electronic ACH representment. 

  International Transaction Fee - Currency Conversion: Your account may be charged, and you agree to pay, a 1.0% INTERNATIONAL TRANSACTION FEE 
on all transactions where the merchant country converts the currency to a currency that differs from the country of the card issuer  (that is, for any 
transaction  outside  of  the  United  States  where  currency  is  converted).  The  converted  transaction  amount  will  be  shown  separately  from  the 
International  Transaction  Fee  on  your  billing  statement.  This  fee  will  be  assessed  on  all  international  purchases,  credit  vouchers,  and  cash 
disbursements. 

  International  Transaction  Fee  -  Without  Currency  Conversion:  Your  account  may  be  charged,  and  you  agree  to  pay,  a  0.8%  INTERNATIONAL 
TRANSACTION FEE on all transactions where the merchant differs from the country of the card issuer (that is, for any transaction outside of the United 
States  where  currency  is  not  converted).  The  transaction  amount  will  be  shown  separately  from  the  International  Transaction  Fee  on  your  billing 
statement. This fee will be assessed on all international purchases, credit vouchers, and cash disbursements. 

  Statement Copy Fee: Your account may be charged, and you agree to pay, a STATEMENT COPY FEE of $4.00, whenever you request an additional copy 

of your statement. 

  2-Day Rush Card Fee: In general, there is no fee for lost Card replacement. However, if you ask us to expedite the delivery of a replacement card, your 

account may be charged, and you agree to pay, a 2-Day Rush Card Fee of $30. 

  Payment by Phone Fee: If you call us and ask us to apply a payment to your account, your account may be charged, and you agree to pay, a Payment 

by Phone Fee of $5. 

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 present and 
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. 

TERMS GOVERNING THE USE OF YOUR CARD  

THIS  IS  YOUR  AGREEMENT  WITH  DOW  CHEMICAL  EMPLOYEES’  CREDIT  UNION  REGARDING  RIGHTS  AND  RESPONSIBILITIES  ASSOCIATED  WITH  YOUR 
REWARDS VISA CREDIT CARD. PLEASE READ THIS DISCLOSURE CAREFULLY TO BE FAMILIAR WITH YOUR RIGHTS AND RESPONSIBILITIES. IT IS IMPORTANT TO 
RETAIN THIS NOTICE FOR FUTURE REFERENCE AND TO NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR. 

1.  WORDS  OFTEN  USED  IN  THIS  AGREEMENT.  The  word  “Agreement”  means  this  Dow  Chemical  Employees’  Credit  Union  Rewards  VISA  Credit  Card 
Agreement. In this Agreement, the words “you” and “your” mean or refer to each and all persons who have applied for the Card or Cards. “Card” means the 
Rewards VISA Credit Card or Cards, and any duplicates and renewals thereof, or substitutions thereof, we may issue to you. “Account” means your Rewards 
VISA Credit Card account with us. “We,” “us” and “ours” means or refers to Dow Chemical Employees’ Credit Union.  

2.  THIS  IS  YOUR  CONTRACT  WITH  US.  When  your  application  is  accepted  by  us,  it  becomes  a  binding  contract.  When  you  use  the  Card,  or  allow  an 
authorized user to use the Card, you promise to abide by the terms of this Agreement including all applicable laws. This Agreement is a Truth-in-Lending 
Disclosure Statement as well as a contract. 

3. SIGN THE CARD AND KEEP THIS AGREEMENT. You must sign the card before you use it. By using the Card, you are agreeing to comply with the terms of 
this agreement. However, your liability under this Agreement does not depend on whether you sign your Card. You should read this agreement and keep a 
copy for future reference. 

4. USING THE CARD. We will send you a Card or Cards embossed as you have directed. As soon as received, each Card must be signed (in the space 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. To make a 
Purchase or Cash Advance, present the Card to a participating VISA plan merchant or financial institution, or to us, and sign the sales draft or cash advance 
draft which will be imprinted with your Card. Please note that we are not responsible if a particular VISA plan merchant or financial institution refuses to 
honor your Card. You will receive a copy of any draft you sign when using the Card which you should retain to verify your monthly statement. We will upon 
request  furnish  you  with  a  copy  of  a  draft.  You  may  use  your  Card  to  make  purchases  and  cash  advances  primarily  for  personal,  family,  or  household 
purposes,  and  not  for  business  or  commercial  purposes.  In  addition,  you  may  obtain  cash  advances  from  the  Credit  Union  or  from  other  financial 
institutions that accept VISA Cards or ATMs that accept VISA Cards. Whenever you request an advance, we may require you to prove your identity. When 
the amount advanced appears on a subsequent statement that will be conclusive evidence of the request. To obtain an advance at an ATM you must use a 
Personal Identification Number (PIN) that was issued for use with the Card. 

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5. ILLEGAL TRANSACTIONS. You agree that you will only use your Account for transactions that are legal where you reside. Internet gambling may be illegal 
in the jurisdiction in which you are located. Display of a payment card logo by an on-line merchant does not mean that the transaction with that merchant is 
legal where you reside. You agree not to use your Card for any illegal transactions. We will not be liable if you engage in any illegal transactions. 

6. PROMISE TO PAY. If we approve your application and issue you a Card, you promise to repay to us all debts and the INTEREST CHARGE thereon arising 
from any authorized use of the Card. You agree not to let someone else use the card. If this Agreement is signed by two persons, the Account is joint; that is, 
each of you, separately and jointly with each other, is liable for all debts on the Account and INTEREST CHARGE thereon. Your obligation to pay all such 
debts and INTEREST CHARGE thereon continues even though an agreement, divorce decree or other court judgment to which we are not a party may direct 
that only one of you, or some person other than you (or both of you), must pay such debts and INTEREST CHARGE.  

7. CREDIT LIMIT. If we approve your application, we will establish a self-replenishing credit limit for you and will notify you of the amount thereof (“credit 
limit”) in the mailer in which we will send you your Card. That mailer is hereby incorporated herein as part of this Agreement. You agree not to let your 
Account Balance exceed such amount, and you agree to pay us the total amount over the credit limit upon our demand whether or not we authorized the 
advance(s) which caused you to exceed your credit line. Unless you are in default, each payment you make on the Account will replenish your credit 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 approved by 
us.  

We may increase or decrease the limit from time to time or may, with good cause, revoke your Card and terminate this Agreement; in either event, we will 
give you written notice of such action. “Good Cause” includes your failure to satisfy the terms of this Agreement or our adverse reevaluation of your Credit 
worthiness; in either event, we will give you written notice of such action. In the event your account is cancelled or revoked due to default, the balance at 
the time of default may be transferred in-house with the Credit Union and, as a consequence thereof, be included within your Revolving Credit Agreement 
for collection at the same rate as set forth in the Revolving Credit Agreement. However, you may terminate this Agreement, at any 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 INTEREST CHARGE thereon arising 
from authorized use of your Card. 

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, for 
security reasons, your Card may be disabled within 60 days of its issuance if the Card has not been activated within that time. 

8. JOINT ACCOUNTS. If more than one person signs the application, each person who signs it promises to pay all amounts owed to us under this Agreement. 
Each of you authorizes the other(s) to make purchases, withdrawals or cash advances individually. Any one of you may cancel the Account. The cancellation 
will be effective to all of you. Each of you is jointly and severally obligated. This means that we may collect money owed to us from each of you or from all of 
you regardless of your current domestic relationship or other legal proceedings. In any event, all of you will continue to be jointly and severally obligated 
until all cards are returned and the debt is extinguished. 

9.  AUTHORIZED  USERS.  You  may  allow  Authorized  Users  on  your  Account  in  the  following  ways:  (1)  notifying  us  that  you  want  someone  added  to  the 
account as an Authorized User; (2) by lending your Card or Account Number to another; or (3) by any other means in which you would be legally considered 
to have allowed another to use your Account or be legally prevented from denying that you did so. You should think carefully before you allow someone to 
become an Authorized User. By doing so, you authorize the person to use your Account to the same extent you can, including but not limited to making 
Purchases, Cash Advances, Balance Transfers and allowing others to use your Account. Your Account does not permit you to limit the nature or amount of 
authority you give to any Authorized User and you agree that you will not attempt to do so. An Authorized User’s authority will continue until you both 
notify  us  that  you  are  terminating  the  authority  and  you  physically  retrieve  the  Card.  If  you  cannot  retrieve  the  Card,  you  will  remain  liable  for  any 
transactions we cannot prevent after you notify us. 

10. PERIODIC STATEMENTS. We will mail you a statement every month showing your previous balance, purchases and cash advances, payments made on 
your account, periodic rate, annual percentage rate, finance charge and its method of computation, any other charges, grace period, payment due date, 
procedures  for  error  resolution,  Minimum  Payment  required,  and  the  closing  date  with  corresponding  New  Balance  for  the  billing  cycle.  You  may  not 
receive a statement on your Account if there has been no activity or if collections procedures have been initiated against you because you are in default. 
Each statement is deemed to be a correct statement unless you establish a billing error pursuant to the Federal Truth in Lending Act as described in this 
Agreement. 

11. PAYMENT AND PAYMENT ALLOCATION. Provided your Account has a balance, a minimum monthly payment is due each and every month, even if you 
pay more in a given month than what is required. You agree to make payments in U.S. dollars drawn on a U.S. bank. We will apply your payments in any 
manner we choose, at our discretion, except as otherwise provided by law. All payments will be processed as of the close of the business day on which they 
are received. We reserve the right to change the manner in which payments are allocated.  

12. DISPUTED BALANCE PAYMENTS. Any payment check or other form of payment that you send us for less than the full balance due that is marked “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 
Disputes Department, Dow Chemical Employees’ Credit Union, 600 E Lyon Rd, Midland, PO Box 1649, MI 48641-1649. We reserve all our rights regarding 
these payments (e.g. if it is determined that there is no valid dispute or if any such check is received at any other address, we may accept the check and you 
will still owe any remaining balance). We may refuse to accept any such payment by returning it to you, not cashing it, or destroying it. All other payments 
that you make should be sent to the appropriate payment address. 

13. DEFAULT. You will be in default and we may, to the extent permitted by law, terminate your credit line and declare the entire unpaid balance of the 
account immediately due and payable, under any of the following conditions: 
  you fail to make the minimum payment by the statement payment due date; 
  you breach any other promises made in or conditions of the Agreement and/or any other agreement with us; 
  you use your card for an illegal transaction; 
  if you become involved in any insolvency, receivership, guardianship, conservatorship, or any other proceeding which determines you are incapable of 

managing your financial affairs, including filing for Bankruptcy; 

  you 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; 
  a judgment or tax lien is filed against you or any attachment or garnishment is issued against any of your property or accounts, including anyone starting 

an action or proposing to seize any of your funds on deposit with us; 

  we in good faith determine that your creditworthiness (which includes your ability to repay us) has become unsatisfactory due to change in employment, 

increase in your other obligations, or because of any other reason, time being of the very essence; 

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  you die; or 
  government action precludes us from imposing the annual percentage rate or a government authority has notified us that continued advances constitute 

an unsafe and unsound practice. 

14. COLLECTION COSTS. You also agree that, in case of default, you will pay all usual and customary costs of collection permitted by law, including, but not 
limited to, attorney fees and expenses incurred by us in the enforcement of this agreement. 

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 accept late 
payments, partial payments or any other payments without losing any of our rights under this Agreement. 

16. NOTIFICATION OF ADDRESS CHANGE. You agree to notify us promptly if you change your name, address or telephone number. 

17. ADDRESS FOR NOTICES TO US. Except as otherwise expressly provided, all notices under this Agreement must be in writing and mailed to Dow Chemical 
Employees’ Credit Union, 600 E Lyon Rd, PO Box 1649 Midland, MI 48641-1649. 

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 shown 
for you in our records. In the event the terms we are changing require advance notice by law, we will comply with the requirements of that law.  

19. YOU MAY CANCEL THE ACCOUNT. You may cancel the account whenever you choose. If you do, you agree to cut each Card in half and return it to us at 
the address shown in Section 17 above, along with your written notification that you wish to cancel the account. Such cancellation will become effective 
within five days after the notice is received by us. You will still be responsible for the repayment of any outstanding balance on your account and any other 
amounts that have not yet been billed to you. 

20. WE MAY CANCEL THE ACCOUNT. We have the right to cancel the account at any time upon written notice sent to you at the last address shown for you 
in our records. If we cancel the Account, you agree to discontinue the use of the Cards, and to return the Cards to us, at our request.  

21.  CREDIT  REPORTING  AGENCIES.  You  authorize  us  to  investigate  your  credit  standing  when  opening,  renewing  or  reviewing  your  Account,  and  you 
authorize us to disclose information regarding our experience with you under this Agreement to consumer reporting agencies, bureaus and other creditors. 
If you request it we will provide the name and address of each consumer reporting agency used for this purpose. If you believe we have reported inaccurate 
information  about  you  to  a  consumer  reporting  agency,  please  notify  us  at  the  address  provided  above  in  Section  17.  In  doing  so,  please  identify  the 
inaccurate information and tell us why you believe it is incorrect. If you have a copy of the credit report that contains the alleged inaccurate information, please 
send us a copy of that report as well. You are hereby notified that negative information will be provided to appropriate consumer reporting agencies if you fail 
to perform your obligations under this agreement. 

22. TRANSACTION SLIPS. Your periodic statement will identify the merchant, electronic terminal location, or financial institution at which transactions were 
made, but sales, cash advances, credit or other slips cannot be returned with each statement. You must retain the copy of such slips furnished at the time of 
each transaction in order to verify the transactions listed on your statement. You agree to pay a reasonable fee for photocopies of transaction slips that you 
request. 

23. CREDITS. If merchants who honor your Card give you a credit for returns or adjustments, they will do so by sending us a credit slip which we will post to 
your Account. You should keep your copy of the credit slip to verify your monthly statement. If your credits and payments exceed what you owe us on the 
Account we will credit such excess to the Account and, if the amount is $1.00 or more, we will credit it to your credit union share account after two (2) 
months or upon your written request. 

24. INTERNATIONAL TRANSACTIONS. If You incur charges in any foreign country or in any foreign currency, such charges will be converted to U.S. dollars. 
The conversion may occur after the transaction date and the conversion rate may differ from the rate of exchange in effect at the time of the transaction. 
You agree to pay the converted amount to us in U.S. dollars, plus any charge for conversion or processing that may be imposed. The exchange rate for 
transactions in a foreign currency will be a rate selected by VISA from the range of rates available in wholesale currency markets for the applicable central 
processing date, which rate may vary from the rate VISA itself receives, or the government mandated rate in effect for the applicable central processing 
date, plus up to a 1% International Transaction Fee.  

25. TRANSACTIONS WITH MERCHANTS.  
Return Policies – If a merchant discloses a policy such as but not limited to “no returns,” “no refunds,” “as is,” or “all sales final” you will be bound by that 
policy when you use your Account to buy goods or services from that merchant. 

Reservations  –  When  using  your  Account  to  make  a  travel  or  lodging  reservation,  obtain  the  merchant’s  cancellation  policy  and  follow  it  if  you  wish  to 
cancel. If you cancel, obtain the merchant’s cancellation number that they are required to provide to you. The merchant may charge you for a cancelled 
transaction unless you can provide us with the merchant’s cancellation number. 

Recurring Transactions – If you authorize a merchant to charge your Account for repeat transactions without your Card, you must notify the merchant, and 
not us, when you want to discontinue the repeat transactions. 

Dispute Access – If you disagree with a transaction on your statement or have a dispute with a merchant as a result of a transaction, you agree to provide us 
with information and assistance we reasonably request. Otherwise, you will pay us for any resulting loss we have, unless we are prohibited by law from 
holding you liable for our loss. 

26. CARD AGREEMENT. You understand that your VISA Credit Card is issued by us, remains our property, and is subject to rules governing ATM networks, 
which financial institutions must follow. The cards are not transferable. By using your card, you are agreeing to the following additional terms: (1) To abide 
by the rules and regulations and those of the participating ATM network as may be amended; (2) That we and the ATM network may follow all electronic 
instructions given through the ATM; (3) that we may restrict the use of or terminate your card at any time without notice to prevent loss to your account or 
to the Credit Union; (4) your Card may not be used for any illegal transaction. 

27. DAILY LIMITS. You agree to adhere to any daily limits established by the Credit Union in conformance with the ATM network agreement and which are 
subject to modification to preserve the integrity of the ATM network and prevent loss to the Credit Union or its members. You may be restricted to no more 
than three cash advances per day, and no more than $500 per day, for transactions made at an ATM.  

28. PERSONAL IDENTIFICATION NUMBER (PIN). Generally, you will receive a Personal Identification Number (PIN). You agree to keep the PIN confidential. 
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 Advance or making a 
Purchase is agreed to constitute your signature for purposes of such transactions. You can also use your card together with your Personal Identification 
Number (PIN) to get a Cash Advance from an Automated Teller Machine (ATM) in the VISA Network, to get a Cash Advance from a VISA financial institution, 

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or to make a Purchase from a merchant that uses the Card in an electronic terminal that accesses the VISA system. IF YOU FORGET OR DO NOT ENTER YOUR 
PIN CORRECTLY, THE ATM MAY KEEP YOUR CARD THE THIRD TIME THE PIN IS ENTERED INCORRECTLY. THIS PROCEDURE IS FOR SECURITY MEASURES. KEEP 
YOUR  PIN  IN  A SECRET PLACE.  If  you  authorize  us  to  issue  a  Card  to  anyone  else  for  use  through  any  electronic  access  device,  you  are  authorizing  that 
individual to withdraw funds from any account which can be accessed by that card, regardless of whether that individual is authorized to withdraw money 
from the account for any other means. 

29.  LIABILITY  FOR  FAILURE  TO  COMPLETE  TRANSACTIONS.  We  will  not  be  liable  for  transactions  that  are  not  completed  if  any  of  the  following 
circumstances apply: 
  Through no fault of ours, you do not have sufficient funds available in your credit line; 
  The transaction would cause you to exceed your credit limit; 
  The ATM where you are requesting a cash advance does not have enough cash; 
  The terminal or system was not working properly and you knew of the malfunction at the time you initiated the transactions; 
  Circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions we have taken; 
  Your Card is retrieved or retained by the ATM; 
  Your Card or PIN has been reported lost or stolen and your account has been blocked or frozen; 
  Your account is in default;  
  You or anyone authorized by you to conduct a transaction commits fraud or violates any laws or regulations; or 
  You fail to follow the instructions on the screen or terminal. 

30. LIABILITY FOR UNAUTHORIZED USE. You may be liable for the unauthorized use of your credit card. You will not be liable for unauthorized use that 
occurs  after  you  notify  Us  at  the  address  or  telephone  number  set  forth  below.  You  must  notify  us  orally  or  in  writing  of  the  loss,  theft,  or  possible 
unauthorized use. In any case, your liability will not exceed $50.00. Notify us at: 

CUSTOMER SERVICE CENTER  
P.O. BOX 31112 
TAMPA, FLORIDA 33631-3112 

800-449-7728 

31. LIMITATIONS OF RESPONSIBILITY. We will not be responsible for merchandise or services purchased by you with the Card. We are not liable for the 
refusal or inability of merchants, financial institutions and others to accept your card(s) or electronic terminals to honor them or complete a transaction, or 
for their retention of the Card(s). 

32. BUSINESS DAY. Our business days are Monday through Friday. Saturdays, Sundays and federal holidays are excluded. 

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 laws of the State of Michigan  (without regard to its conflicts of laws principles  or rules) and applicable federal laws. The legality, enforceability and 
interpretation  of  this  Agreement  and  the  amounts  contracted  for,  charged  and  received  under  this  Agreement  will  be  governed  by  such  laws.  This 
Agreement is entered into between you and us in the State of Michigan, and we make credit decisions under this Agreement from the State of Michigan. To 
the extent allowed by applicable law, You further consent to the jurisdiction and venue of the State or Federal Courts located in Midland County, Michigan. 

34. ASSIGNMENT. We may sell, assign or transfer all or any portion of your Account, or any balance due under your Account, without prior notice to you. 
You may not sell, assign or transfer your Account or any obligations under this Agreement. 

35. LOST/STOLEN CARDS. You agree to notify us immediately upon  discovering that  your Card has been lost or stolen by calling us at  800-449-7728, 24 
hours per day. 

36.  INFORMATION  ABOUT YOU  AND  YOUR  ACCOUNT.  We will  not disclose  your  non-public  personal  information  to  unaffiliated  third  parties  except  as 
otherwise permitted or authorized by law. Please refer to  our Privacy Policy Notice for a full explanation of how we protect  your information. You may 
obtain a copy of our Privacy Policy Notice by visiting www.dcecu.org or by calling us at 989-835-7794. 

37. BENEFITS AND PROGRAMS. We may from time to time offer additional services to your Accounts or special programs related to you being a Cardholder, 
such as the option for eligible cardholders to skip a payment in January, at no additional cost to you beyond normal INTEREST CHARGE. You understand and 
agree that we are not obligated to offer such services or programs and may withdraw or change them at any time. 

38.  SEVERABILITY.  If  any  provision  of  this  Agreement  is  determined  to  be  void  or  unenforceable  under  applicable  law,  regulation,  or  rule,  all  other 
provisions of this Agreement shall be valid and enforceable. 

39. ENTIRE AGREEMENT / EFFECT OF AGREEMENT. This Agreement, together with any application you signed or otherwise submitted in connection with 
the Account (which is hereby incorporated by reference in this Agreement), constitutes the entire agreement between you and us relating to your Account, 
supersedes any other prior or contemporaneous agreement between you and us relating to your Account, and applies to every transaction relating to the 
Account even though a sales or cash advance draft you sign or a credit slip may contain different terms. This Agreement may not be amended except in 
accordance with the provisions of this Agreement. You further acknowledge receipt of a copy of this Agreement. 

40. CREDIT UNION MEMBERSHIP. You understand and agree that one of the requirements for obtaining this Account is your continued status as a member 
of the Credit Union. Upon termination of that membership, you can no longer obtain credit with the Card. 

41.  COMMUNICATION  MONITORING  AND  RECORDING.  You  agree  that  we,  our  agents,  and  our  service  companies  may  monitor  and/or  record  any 
telephone and/or electronic communications between you and us.  

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This notice informs you about your rights and responsibilities under the Fair Credit Billing Act. 

YOUR BILLING RIGHTS: Keep this Document for Future Use 

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: 

CUSTOMER SERVICE CENTER  
P.O. BOX 31112 
TAMPA, FLORIDA 33631-3112 

In your letter, give us the following information: 

 
 
 

Account information: Your name and account number.  
Dollar Amount: The dollar amount of the suspected error.  
Description of Problem: 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. If you call us, we are not required to investigate any potential errors and you may be required 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 after 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: 

The charge in question may remain on your statement, and we may continue to charge you interest on that amount. 

  We cannot try to collect the amount in question, or report you as delinquent 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 questions, 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 $50.00 of the amount in 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. 

2. 

3. 

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.) 
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. 
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: 

CUSTOMER SERVICE CENTER  
P.O. BOX 31112 
TAMPA, FLORIDA 33631-3112 

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. 

REVISED 07/07/2015 

Dow Chemical Employees’ Credit Union  
989.835.7794 ● 800.835.7794 ● www.dcecu.org 

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