�CUNA Mutual Group 1991, 2006, 09, 10, 12, 14 , 16 All Rights Reserved 04800387-MXC30-C-1-020520 (MXC303-E)
CONSUMER CREDIT
CARD AGREEMENT
AND DISCLOSURE AND
ARBITRATION
AGREEMENT
VISA
CREDIT CARD AGREEMENT AND DISCLOSURE
This Consumer Credit Card Agreement and Disclosure together with theAccount Opening Disclosure and any other
Account opening documents orany subsequent documents provided toYou related tothis Account (hereinafter
collectively referred toas�Agreement �)govern theterms andconditions ofthisAccount .�We,� �Us,��Our� and�Ours� and
�Credit Union� refers towith which thisAgreement ismade. �You,� �Your ,�and�Yours �refers toeach applicant andco-
applicant fortheAccount ;anyperson responsible forpaying theAccount; andanyone You authorize touse, access or
service theAccount. "Card" means theVisa credit card and any other access devices, duplicates, renewals, or
substitutions ,theCredit Union issues toYou. "Account "means thelineofcredit established bythisAgreement and
includes Your Card.
SECURITY INTEREST
You grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights
the Credit Union may have in any goods You purchase.
If You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares
will secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account
until the Credit Union agrees to release all or part of the pledged amount.
You grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now
and in the future to secure Your credit card Account. Shares and d eposits in an IRA or any other a ccount that
would lose special tax treatment under state or federal law if given as security are not subject to the security
interest You have given in Your shares and deposits. You may withdraw these other shares unless You are in
default. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due.
For example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay
any or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any
periods whe nYou are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a
covered borrower, and Your pledge will apply, if: (i) You established Your credit card A ccount when You were
not a covered borrower; or (ii) You cease to be a covered borrower.
Unless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union
may also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding
anything to the contrary in any other Agreement.
1.USING YOUR ACCOUNT �Byusing theAccount orkeeping theCard, You agree totheterms ofthisAgreement
andtheArbitration Agreement. Unless You areaCovered Borrower under theMilitary Lending Act,andunless prohibited
bylaw, You understand that arbitration limits Your rights .You agree touse Your Account inaccordance with this
Agreement. Your Account must only be used for lawful transactions.
2.CREDIT LIMIT �Wemay establish acredit limit aspartofthisAgreement, which You promise nottoexceed. IfYou
exceed thecredit limit, You promise torepay immediately theamount which exceeds thecredit limit, including amounts
duetofinance charges, fees orother charges. You may request acredit limit increase onYour Account only byamethod
acceptable totheCredit Union. Wemay increase ordecrease Your credit limit, refuse tomake anadvance and/or
terminate Your Account at any time for any reason permitted by law.
3.REPAYMENT �You promise torepay allamounts You owe under thisAgreement. Your promise torepay includes
alltransactions made toYour Account byYou oranyone You authorize touse Your Account aswell asallinterest
charges and fees.
For each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date. Page 2 of7
04800387-MXC30-C-1-020520 (MXC303-E)TheMinimum Payment Due is2.00% ofYourtotal New Balance, or$25.00 ,whichever isgreater, plus anyamount past
dueandanyamount bywhich You have exceeded Yourapplicable credit limit. IfYour total New Balance isless than
$25.00 ,then Your Minimum Payment Due is the amount of the total New Balance.
You may pay more frequently, pay more than the Minimum Payment Due or pay the total New B alance in full.
IfYoumake extra orlarger payments, Youarestillrequired tomake atleast theMinimum Payment Due each month Your
Account hasabalance (other than acredit balance). The Credit Union may delay replenishing Your credit limit until the
date the payment is posted or the Credit Union confirms the payment has cleared.
Your payment oftherequired Minimum Payment Due may beapplied towhat You owe theCredit Union inanymanner
theCredit Union chooses, aspermitted byapplicable law. IfYou make apayment inexcess oftherequired Minimum
Payment Due,theCredit Union willallocate theexcess amount firsttothebalance with thehighest annual percentage
rate (�APR�) and anyremaining portion totheother balances indescending order based onapplicable APR, unless
otherwise prescribed byapplicable law.Wemay accept checks marked "payment infull"orwith words ofsimilar effect
without losing any of Our rights to collect the full balance of Your Account with U s.
4.INTEREST AND FINANCE CHARGES �Wewillbegin charging You interest onpurchases onthedate the
transaction isposted toYour Account. Wewillbegin charging You interest oncash advances andbalance transfers on
thedate ofthetransaction orthefirstdayofthebilling cycle inwhich thetransaction isposted toYour Account, whichever
islater (transaction date). However, Wewillnotcharge You anyinterest onnew purchases ifYour Account hadazero or
credit balance atthebeginning ofthat billing cycle, orYou paid theentire new balance ontheprevious cycle's billing
statement bythePayment Due Date ofthat statement. Toavoid anadditional finance charge onthebalance of
purchases , You must pay the entire new balance on the billing statement by the Payment Due Date  of that statement.
How We Calculate Your Balance:
Interest charges onYour Account arecalculated separately forpurchases, balance transfers and cash advances
(�Transaction Type�). Wefigure theinterest charge foreach Transaction Type byapplying theperiodic rate toeach
corresponding �average daily balance.� Togetthe�average daily balance� foraTransaction Type Wetake thebeginning
balance forthatTransaction Type each day, addanynew transactions ofthattype, andsubtract anyunpaid interest or
other finance charges andanyapplicable payments orcredits. This gives Usthedaily balance foreach Transaction Type.
Then, foreach Transaction Type, Weadd upallthedaily balances forthebilling cycle and divide each total bythe
number of days in the billing cycle. This gives Us the �average daily balance� for each Transaction Type.
5.FEES �Inaddition totheperiodic rate, additional fees may beimposed onYour Account. Ifapplicable toYour
Account, thefeeamounts and explanations aredisclosed ontheAccount Opening Disclosure accompanying this
Agreement.
6.FOREIGN TRANSACTIONS �Purchases andcash advances made inforeign currencies willbedebited from Your
Account inU.S. dollars. Theexchange ratebetween thetransaction currency andthebilling currency used forprocessing
international transactions isarateselected byVisa from arange ofrates available inwholesale currency markets forthe
applicable central processing date, which rate may vary from therate Visa itself receives orthegovernment-mandated
rateineffect fortheapplicable central processing date. Theexchange rateused ontheprocessing date may differ from
the rate that would have been used on the purchase date or cardholder statement posting date.
Afee(finance charge) willbecharged onalltransactions completed inaforeign currency. Allfees arecalculated based
onthetransaction amount after itisconverted toU.S. dollars. These fees arecharged except where excluded. The
Foreign Transaction Fee is set forth on the Disclosure  accompanying this Agreement.
7.AUTHORIZATIONS �Wedonotguarantee authorization ofatransaction, either byUsorbyathird party, even if
You have sufficient credit available. You agree that Wewillnotbeliable forfailing togive anauthorization. Wealso
reserve theright tolimitthenumber oftransactions thatmay beapproved inoneday. Wereserve theright todeny certain
transactions foranyreason and atOur sole discretion, including fordefault, suspected fraudulent orunlawful activity,
internet gambling oranyindication ofincreased riskrelated tothetransaction ortheAccount .You agree thatWehave no
requirement tonotify You ofthespecific reason Wedenied atransaction. IfWedetect unusual orsuspicious activity, We
may suspend Your  credit privileges until We can verify the activity, or We may close the Account .
8.PREAUTHORIZED CHARGES �IfYou default, if the Card is lost or stolen , orWe change the Account  for any
reason, We may suspend automatic charges with third party vendors. If preauthorized charges are suspended, You are
responsible for making direct payment for such charges until You contact the third party to reinstate the automatic
charges.
9.DEFAULT �Upon default, theentire outstanding balance dueunder thisAgreement shall, unless excused byOur
Board ofDirectors, become immediately dueandpayable, subject only toanyright tocure default which You may have
under Section 425.105 oftheWisconsin Statutes. Adefault shall bedeemed tohave occurred if(a)You failtomake
payments when dueontwooccasions within any12-month period, or(b)You failtoobserve anyother covenant ofthis
Agreement, change marital status, change marital domicile orYou orYour spouse become insolvent orsubject ofa
bankruptcy orother insolvency proceeding, ifsuch failure, actoroccurrence materially impairs Your ability topaythe
amount due under this Agreement orbreach ofwhich materially impairs thecondition, value orprotection ofthe Page 3 of7
04800387-MXC30-C-1-020520 (MXC303-E)merchant's rights inanycollateral securing thetransaction. Inaddition, notwithstanding Sections 425.103 and425.105 of
theWisconsin Statutes, intheevent Wereceive anotice oftermination ofthisAgreement from thespouse ofaborrower
pursuant toSection 766.565(5), Wisconsin Statutes, Wemay declare theentire outstanding balance oftheAgreement
immediately dueandpayable. Ifimmediate payment isdemanded, You agree tocontinue paying finance charges atthe
periodic ratecharged before thedefault, until what Youowe hasbeen paid, andanyshares thatwere given assecurity for
Your Account may be applied towards what You owe.
10.LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION �IfYou notice theloss ortheft of
Your credit card orapossible unauthorized useofYour Card, You should write toUsimmediately atPOBox 8046 ,
Madison ,WI,53708-8046 orcallUsat(608) 243-5000 ,Monday through Friday 9:00a.m. to5:00p.m. CST or(800) 236-
5560 , seven days a week  24 hours a day .
You willnotbeliable forany unauthorized use that occurs after You notify Us.You may, however, beliable for
unauthorized usethat occurs before Your notice toUs.You willhave noliability forunauthorized useunless Youare
negligent in  the handling of Your Card. In any case, Your liability for unauthorized transactions will not exceed  $50.
11.CHANGING ORTERMINATING YOUR ACCOUNT �Aspermitted bylaw, theCredit Union may change theterms
ofthisAgreement andanyattached Disclosure from time totime. Notice ofanychange willbegiven inaccordance with
applicable law. Totheextent permitted bylaw, changes totheAgreement may apply toYour existing account balance as
well as to future transactions.
Arizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents -Either
You, Your spouse ortheCredit Union may terminate thisAgreement atanytime, buttermination byYou, Your spouse or
theCredit Union willnotaffect Your obligation topaytheaccount balance plus anyfinance andother charges YouorYour
spouse owe under thisAgreement. Your obligation topaytheaccount balance plus anyfinance andother charges You
owe under thisagreement aresubject toallapplicable laws andregulations regarding repayment requirements. TheCard
orCards You receive remain theproperty oftheCredit Union andYou must recover andsurrender totheCredit Union all
Cards upon request or upon termination of this Agreement whether by You or the Credit Union.
Residents ofallother states -Either You ortheCredit Union may terminate thisAgreement atanytime, buttermination
byYou ortheCredit Union willnotaffect Your obligation topaytheaccount balance plus anyfinance andother charges
You owe under thisAgreement. Your obligation topaytheaccount balance plus anyfinance andother charges You owe
under thisagreement aresubject toallapplicable laws andregulations regarding repayment requirements. The Card or
Cards You receive remain theproperty oftheCredit Union andYou must recover andsurrender totheCredit Union all
Cards upon request or upon termination of this Agreement whether by You or the Credit Union.
12.AUTHORIZED USERS �Upon Your request, We may issue additional Cards forauthorized users that You
designate. You must notify Usinwriting ofanytermination ofanauthorized user's right toaccess Your Account .Your
notice must include thename oftheauthorized user andYour Account number and/or anysubaccount number issued to
theauthorized user along with theauthorized user's Cardand anyconvenience orother access checks issued tothe
authorized user. IfYou canno treturn theauthorized user's Cardoraccess checks andifYou request Your Account tobe
closed, Wewillclose Your Account andYou may apply foranew Account .Alternatively, Wemay, atOursole discretion ,
issue You a new Account number and a new Card.
13.CREDIT REPORTS AND NOTICE OFNEGATIVE INFORMATION �You authorize theCredit Union toobtain credit
reports and any other information Wemay need toverify Your identity and use oftheAccount when opening Your
Account andforanyupdate, increase, renewal, extension, collection orreview ofYour Account .You authorize theCredit
Union todisclose information regarding Your Account tocredit bureaus and creditors who inquire about Your credit
standing .Wemay report information about Your Account tocredit bureaus. Late payments, missed payments, orother
defaults on Your Account may be reflected on Your credit report.
14.JOINT ACCOUNT S�Ifthisisajoint Account ,each ofYou willbeindividually andjointly responsible forpaying all
amounts owed under thisAgreement .This means thattheCredit Union canrequire anyoneofYou individually torepay
theentire amount owed under thisAgreement .Each ofYou authorizes theother(s) tomake transactions ontheAccount
individually. Any one of You may terminate the Account  and the termination will be effective as to all of You.
15.EFFECT OFAGREEMENT �This Agreement isthecontract which applies toalltransactions onYour Account even
though the sales, cash advances, credit or other slips You sign or receive may contain different terms.
16.SEVERABILITY AND FINAL EXPRESSION �This Agreement isthefinal expression oftheterms andconditions of
Your Account .This written Agreement may notbecontradicted byevidence ofanyalleged oralAgreement .Should any
partofthisAgreement befound tobeinvalid orunenforceable, allother parts ofthisAgreement shall remain ineffect and
fully enforceable to the fullest extent possible under this Agreement .
17.ILLEGAL TRANSACTIONS PROHIBITED �Youagree thatYouwillnotuseYour Card foranytransaction, including
anytype of electronic gambling tr ansaction through the Internet , that is illegal under applicable federal, state, or local law .
Even ifYou useYour Card foranillegal transaction, You willberesponsible forallamounts and charges incurred in
connection withthetransaction. This paragraph shall notbeinterpreted aspermitting orauthorizing anytransaction thatis
illegal. Page 4 of7
04800387-MXC30-C-1-020520 (MXC303-E)18.APPLICABLE LAW �Theterms andenforcement ofthisAgreement shall begoverned byfederal lawandthelawof
Wisconsin .
19.ENFORCING THIS AGREEMENT �Wecan delay inenforcing orfailtoenforce any ofOur rights under this
Agreement  without losing them.
20.COLLECTION COSTS �IfWerefer collection ofYour Account toalawyer who isnotOursalaried employee, You
areliable forany reasonable attorney�s fees Weincur, plus thecosts and expenses ofany legal action, asfurther
disclosed on this Agreement, or to the extent allowed by law.
21.ASSIGNMENT �We may assign any or all of Our rights and obligations under this Agreement  to a third party.
22.CALIFORNIA RESIDENTS �Amarried applicant may apply foraseparate Account. Applicants: 1)may, after credit
approval, usethecredit card Account uptoitscredit limit; 2)may beliable foramounts extended under theplan toany
joint applicant. Asrequired bylaw, You arehereby notified thatanegative credit report reflecting onYour credit record
may be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.
23.FLORIDA RESIDENTS �You (borrower) agree that, should Weobtain ajudgment against You, aportion of
Your disposable earnings may beattached orgarnished (paid toUsbyYour employer), asprovided byFlorida
and Federal law.
24.MARYLAND RESIDENTS �To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your
Card Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article .
25.MISSOURI RESIDENTS �Oral Agreements orcommitments toloan money, extend credit ortoforbear from
enforcing repayment ofadebt including promises toextend orrenew such debt arenotenforceable. Toprotect
You (borrower(s)) and Us(creditor) from misunderstanding ordisappointment, any Agreements We reach
covering such matters arecontained inthis writing, which isthecomplete and exclusive statement ofthe
Agreement between Us, except as We may later agree in writing to modify it.
26.NEW YORK RESIDENTS �Wemay obtain acredit report inconnection with thisAccount, including foranyreview,
modification, renewal orcollections associated with thisAccount. Upon Your request, You willbeinformed whether such
report was requested and, ifso,thename andaddress oftheconsumer reporting agency furnishing thereport. New York
residents may contact theNew York State Banking Department at800.342.3736 orwww.dfs.ny.gov toobtain a
comparative listing of credit card rates, fees and grace periods.
27.OHIO RESIDENTS �TheOhio laws against discrimination require thatallcreditors make credit equally available to
allcreditworthy customers andthatcredit reporting agencies maintain separate credit histories oneach individual upon
request. The Ohio Civil Rights Commission administers compliance with this law.
28.SOUTH DAKOTA RESIDENTS �IfYou believe there have been anyimproprieties inmaking thisloan orinthe
lender�s loan practices, You may contact theSouth Dakota Division ofBanking at1601 N.Harrison Ave, Suite 1,Pierre,
SD 57501, or by phone at 605.773.3421.
29.WISCONSIN RESIDENTS �IfYouaremarried, please contact Usimmediately uponreceipt ofthisAgreement atthe
address orphone number listed onthisAgreement andprovide Uswith thename andaddress ofYour spouse. Weare
required to inform Your spouse that We have opened a n Account for You.
30.NOTICE TOUTAH BORROWERS �This written Agreement isafinal expression oftheAgreement between You
andtheCredit Union. This written Agreement may notbecontradicted byevidence ofanyoralAgreement. Asrequired by
law, Youarehereby notified thatanegati vecredit report reflecting onYourcredit record may besubmitted toacredit
reporting agency if Y ou fail to fulfill the terms of Your credit obligations.
31.THE FOLLOWING ISREQUIRED BYVERMONT LAW �NOTICE TOCO-SIGNER �YOUR SIGNATURE ON
THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OFTHIS LOAN. IFTHE BORROWER
DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. Page 5 of7
04800387-MXC30-C-1-020520 (MXC303-E)Arbitration Agreement
InthisArbitration Agreement allreferences to"Credit Union", "We", "Our" or"Us" mean theCredit Union whose name
appears onthisdocument andanyone towhom theCredit Union assigns ortransfers thisAgreement. Allreferences tothe
"Account" mean theAccount described intheCredit Card Agreement and Disclosure that ispart ofthisdocument. All
references to"You" or"Your" refers toeach applicant andco-applicant fortheAccount; anyperson responsible forpaying
the Account; and anyone You authorize to use, access or service the Account.
ARBITRATION AGREEMENT, WAIVER OF CLASS ACTION, AND WAIVER OF JURY TRIAL
NOTICE:THIS AGREEMENTCONTAINSPROVISIONSFOR BINDING(MANDATORY)
ARBITRATION ANDWAIVEROFJURY TRIAL. Uponthe election ofeitherYou or Us,anyClaimwill be
resolved byBINDINGARBITRATIONasset forth below. In arbitration, adisputeisresolved by an
arbitrator instead ofajudgeor jury.Arbitrationproceduresare simpler thancourtprocedures, but many
procedurespermitted incourt are limited ornotavailable inarbitration.
This Arbitration Agreement provides You with theright tooptoutofthis Arbitration Agreement assetforth
below. Should You decide nottooptoutoftheArbitration Agreement, You willhave agreed totheArbitration
Agreement.
IfYou andWecannot informally resolve anyClaim, You agree thatYou orWemay elect tosubmit theClaim tobinding
arbitration under the terms of this Arbitration Agreement.
�Claim� means anyandalldisputes arising outof,affecting, orrelating tothisCredit Card Agreement andDisclosure in
anyway, including anyevents leading uptotheCredit Card Agreement andDisclosure andtheentering intooftheCredit
Card Agreement andDisclosure (forexample, disclosures, advertisements, ororalorwritten statements). Claim hasthe
broadest possible meaning andincludes disputes based upon contract, tort, statute orotherwise andclaims formoney
damages andinjunctive ordeclaratory relief. Claim also includes, except asotherwise provided herein, adispute about
whether thisArbitration Agreement isvalid orenforceable, about when itapplies andabout whether adispute issubject to
thisArbitration Agreement (i.e.,isarbitrable). However, theterm Claim does notinclude anydispute about thevalidity,
effect orenforceability oftheprohibitions against class proceedings (the �Class Action Waiver�), andanysuch dispute
shall beresolved byacourt. Claim also does notinclude anydispute thatissubject tothejurisdiction of,andcommenced
asanaction in,small claims court (oranequivalent court thereto). However, ifthedispute istransferred, removed or
appealed from asmall claims court toanydifferent court, either party may elect toarbitrate that dispute asaClaim.
Additionally, thisArbitration Agreement does notlimit theright ofYou orUs,whether before, during orafter thependency
ofanyarbitration proceeding, toexercise self-help remedies such asset-off, recoupment, repossession, trustee�s sales
andthelike.This agreement toarbitrate shall include anyClaim involving Ouremployees, agents, successors orassigns,
andanysuch Claim against anyofthose parties may bejoined orconsolidated with anyrelated Claim against Usina
single arbitration proceeding.
This Arbitration Agreement does notapply toanyconsumer credit transaction assetforth intheMilitary Lending Actwith
respect toanymember ofthearmed forces onactive duty oractive Guard andReserve duty, who isonsuch active duty
atthetime theconsumer credit transaction was entered intooratthetime anyClaim isasserted byYou orbyUs,orto
any such member�s dependents as they are defined in the Military Lending Act.
RIGHT TO OPT OUT OF ARBITRATION AGREEMENT. You have the right to opt out of this Arbitration Agreement
and it will not affect any other terms and conditions of Credit Card Agreement and Disclosure of Credit
Agreement or Your relationship with Us. To opt out, You must notify Us in writing of Your intent to do so within
30 days of the date You signed this Arbitration Agreement. Your notice of intent to opt out must be a letter that is
signed by You that uses words to convey Your election to opt out of arbitration with respect to Credit Card
Agreement and Disclosure . The letter must also include Your name, address, and Your Credit Card Agreement
andDisclosure  Account number. You may send such notice to Us at: Summit Credit Union, Attn: Risk
Management, P.O. Box 8046, Madison, WI 53708-8046. Please retain a copy of the letter You send. In the event
any person signing the Credit Card Agreement and Disclosure opts out of this Arbitration Agreement, all persons
signing the Credit Card Agreement and Disclosure or otherwise obligated thereunder shall also be considered
opted out of this Arbitration Agreement. Any opt-out of arbitration will apply only to this Arbitration Agreement
(and not to any prior or subsequent arbitration agreement into which You enter with Us).
IfYoudonotoptoutoftheArbitration Agreement, then Youagree thatanyandallClaims thatarethreatened, made, filed
orinitiated after theEffective Date (defined below) ofthisArbitration Agreement, even iftheClaims arise outof,affect or
relate toconduct thatoccurred prior totheEffective Date, shall, attheelection ofeither YouorUs,beresolved bybinding
arbitration administered bytheAmerican Arbitration Association (�AAA�) (1-800-778-7879; http://www.adr.org), orsuch
arbitrator towhich theparties may agree, inaccordance with AAA�s applicable rules and procedures forconsumer
disputes (�Rules�). TheRules canbeobtained ontheAAA website freeofcharge atwww.adr.org. Either You orWemay Page 6 of7
04800387-MXC30-C-1-020520 (MXC303-E)elect toresolve aparticular Claim through arbitration, even iftheother party hasalready initiated litigation incourt related
totheClaim, by:(a)making written demand forarbitration upon theother party, (b)initiating arbitration against theother
party, or (c) filing a motion to compel arbitration in court.
IMPORTANT NOTICE:  IF EITHER YOU OR WE ELECT TO RESOLVE A PARTICULAR CLAIM THROUGH
ARBITRATION, YOU WILL GIVE UP YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS OR
HAVE A JURY DECIDE THE CLAIM. ALSO, YOUR ABILITY TO OBTAIN INFORMATION FROM US AND TO APPEAL
IS MORE LIMITED IN AN ARBITRATION PROCEEDING THAN IN A LAWSUIT. OTHER RIGHTS THAT YOU WOULD
HAVE IF YOU WENT TO COURT MAY ALSO NOT BE AVAILABLE IN ARBITRATION.
1.Applicable Law. You andWeagree thattheCredit Card Agreement andDisclosure andthisArbitration Agreement
involve interstate commerce, andthatthisArbitration Agreement shall beinterpreted andenforced inaccordance with the
Federal Arbitration Actsetforth inTitle 9oftheU.S. Code tothefullest extent possible, notwithstanding anystate lawto
thecontrary, regardless oftheorigin ornature oftheClaims atissue. TheArbitrator must follow, totheextent applicable:
(1)thesubstantive lawofthestate inwhich Weentered intotheCredit Card Agreement andDisclosure ;(2)theapplicable
statutes oflimitations; and(3)claims ofprivilege recognized atlaw. Intheevent ofaconflict between theRules andthis
Arbitration Agreement, this Arbitration Agreement shall supersede theconflicting Rules only totheextent ofthe
inconsistency. The Arbitrator willnotbebound byfederal, state orlocal rules ofprocedure andevidence orbystate or
local laws concerning arbitration proceedings.
2.Selection ofArbitrator. The Claims shall beresolved byasingle arbitrator. The Arbitrator shall beselected in
accordance with theRules, andmust have experience inthetypes offinancial transactions atissue intheClaims. IfAAA
isunavailable toresolve theClaims, andifYouandWedonotagree onasubstitute forum, then Youcanselect theforum
for the resolution of the Claims.
3.Effective Date. This Arbitration Agreement iseffective onthedate You receive it(�Effective Date�), unless You opt-out
in accordance with the requirements of the RIGHT TO OPT-OUT provision above.
4.Arbitration Proceedings. AClaim inanarbitration proceeding may bedecided bythearbitrator based ontheparties�
written submissions. Ifahearing isnecessary asdetermined bytheArbitrator, itmay beconducted bytelephone orby
video, iftheparties have such capabilities. Otherwise, iftheArbitrator determines anin-person hearing isnecessary, the
hearing willtake place inthecounty where You reside, arepersonally served, where You signed theCredit Card
Agreement andDisclosure ,oranyother place reasonably convenient toYouwhere applicable lawrequires orpursuant to
theRules. Anyclaims anddefenses thatcanbeasserted incourt canbeasserted inthearbitration. TheArbitrator shall
beentitled toaward thesame remedies thatacourt canaward, including anykind ofinjunctive relief oraward ofattorney
fees that could beawarded byacourt. Exchange ofnon-privileged information shall beavailable tothefullest extent
permitted under theRules. The Arbitrator�s award canbeentered asajudgment incourt inaccordance with applicable
state law. Upon thetimely request ofanyparty toanarbitration proceeding, theArbitrator must provide abrief written
explanation ofthebasis fortheaward, explaining theapplication ofthelawtothefacts presented. Except asprovided in
applicable statutes, theArbitrator�s award isnotsubject toreview bythecourt anditcannot beappealed. Wewillpayfor
anyfiling, administration, andarbitrator fees imposed onYou bytheAAA. You willberesponsible forYour own attorneys�
fees andother costs andexpenses unless You prevail onYour Claim inthearbitration, andthearbitrator awards You
attorney fees and/or Your other costs andexpenses under applicable lawortheRules, inwhich case WewillpayYour
such fees, costs, and expenses. You will not be required to pay any attorneys� fees or costs incurred by Us.
5.CLASS ACTION WAIVER. ANY ARBITRATION OFACLAIM WILL BEON ANINDIVIDUAL BASIS. YOU
UNDERSTAND AND AGREE THAT YOU ARE WAIVING THE RIGHT TO PARTICIPATE AS ACLASS
REPRESENTATIVE ORCLASS MEMBER INACLASS ACTION LAWSUIT. ASPART OFTHIS WAIVER, YOU
AGREE THAT YOU WAIVE THE RIGHT TOACT ASAPRIVATE ATTORNEY GENERAL INCOURT ORINAN
ARBITRATION; THAT EXCEPT ASOTHERWISE PROVIDED INTHIS ARBITRATION AGREEMENT, CLAIMS
BROUGHT BYORAGAINST YOU MAY NOT BEJOINED ORCONSOLIDATED WITH CLAIMS BROUGHT BYOR
AGAINST ANY OTHER PERSON; AND THE ARBITRATOR SHALL HAVE NOAUTHORITY TOCONDUCT ACLASS-
WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL ARBITRATION OR MULTIPLE-PARTY ARBITRATION.
6.WAIVER OFRIGHT TOTRIAL BYJURY. Whether anycontroversy isarbitrated orresolved byacourt, You andWe
voluntarily andknowingly waive anyright toajurytrialwith respect tosuch controversy tothefullest extent allowed by
law.
7.Severability. Intheevent theClass Action Waiver inthisArbitration Agreement isfound tobeunenforceable forany
reason, theremainder ofthisArbitration Agreement shall also beunenforceable. Ifany provision inthisArbitration
Agreement, other than theClass Action Waiver, isfound tobeunenforceable, theremaining provisions shall remain fully
enforceable.
IfYou have questions about AAA procedures, You may contact AAA at1-800-778-7879 orvisit AAA�s website at
www.adr.org. Page 7 of7
04800387-MXC30-C-1-020520 (MXC303-E)Your Billing Rights: Keep this Document 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
IfYou think there is an error on Your statement, write to Us at the address listed on Your statement.
InYour letter, give Us the following information:
-Account information:  Your name and Account number.
-Dollar amount:  The dollar amount of the suspected error.
-Description ofproblem: IfYouthink there isanerror onYourbill,describe what Youbelieve iswrong andwhy You
believe it is a mistake.
You must contact Us:
-Within 60 days after the error appeared on Your statement .
-Atleast three business days before anautomated payment isscheduled, ifYouwant tostop payment ontheamount
You thin k is wrong.
You must notify Usofanypotential errors inwriting orelectronically. You may callUs,butifYoudoWearenotrequired
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 30days ofreceiving Yourletter, Wemust tellYouthatWereceived Yourletter. Wewillalso tellYouifWehave
already corrected the error.
2.Within 90days ofreceiving Yourletter, Wemust either correct theerror orexplain toYouwhy Webelieve thebillis
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.
-Wecan apply any unpaid amount against Your credit limit.
After We finish Our investigation, one of two things will happen:
-IfWemade amistake: You willnothave topaytheamount inquestion oranyinterest orother fees related tothat
amount.
-IfWedonotbelieve there was amistake: You willhave topaytheamount inquestion, along with applicable
interest andfees. Wewillsend Youastatement oftheamount Youowe andthedate payment isdue. Wemay then
report You as delinquent if You do not pay the amount We think You owe.
IfYoureceive Ourexplanation butstillbelieve Yourbilliswrong, Youmust write toUswithin 10days telling UsthatYou
stillrefuse topay. IfYoudoso,Wecannot report Youasdelinquent without also reporting thatYouarequestioning Your
bill.Wemust tellYouthename ofanyone towhom Wereported Youasdelinquent, andWemust letthose organizations
know when the matter has been settled between Us.
IfWedonotfollow alloftherules above, Youdonothave topaythefirst$50oftheamount Youquestion even ifYourbill
is correct.
Your Rights if You Are Dissatisfied With Your Credit Card Purchases
IfYouaredissatisfied with thegoods orservices thatYouhave purchased with Yourcredit card, andYouhave tried in
good faith tocorrect theproblem with themerchant, Youmay have theright nottopaytheremaining amount dueonthe
purchase.
To use this right, all of the following must be true:
1.Thepurchase must have been made inYourhome state orwithin 100miles ofYourcurrent mailing address, andthe
purchase price must have been more than $50. (Note: Neither ofthese arenecessary ifYourpurchase wasbased 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 Yourcredit card forthepurchase. Purchases made with cash advances from anATM orwith a
check that accesses Your credit card Account do not qualify.
3.You must not yet have fully paid for the purchase .
Ifallofthecriteria above aremetandYouarestilldissatisfied withthepurchase, contact Usinwriting orelectronically at
the address listed on Your statement.
While Weinvestigate, thesame rules apply tothedisputed amount asdiscussed above. After Wefinish Ourinvestigation,
WewilltellYouOurdecision. Atthatpoint, ifWethink Youowe anamount andYoudonotpay, Wemay report Youas
delinquent.