In t his Agreement , " Agreement " means this Consumer Credit Card Agreement . " Disclosure" means t he Credit
Card Account Opening Disclosure. The A ccount Opening Disclosure is incorporat ed int o this Consumer Credit
Card Agreement and is part of the Agreement . In t his Agreement t he w ords " you," " your," and " yours" mean
each and all of
those w ho agree t o be bound by t his A greement ; " card" means the Visa credit card and any
duplicat es, renew als, or substitutions the Credit Union issues t o you; " account" means your Visa credit card
line-of -credit account w it h the Credit Union; and " Credit Union" means the Credit Union w hose name appears
on t his Agreement or anyone t o w hom t he Credit Union t ransf ers this Agreement .

VISA PLATINUM/VISA SECURED
CONSUMER CREDIT CARD AGREEMENT

in w rit ing, or elect ronically (notw ithst anding t he requirement s of

1. USING YOUR ACCOUNT - If you are approved f or an account, t he Credit Union w ill est ablish a line of credit
f or you. You agree t hat your credit limit is t he maximum amount (purchases, cash advances, f inance charges,
plus " ot her charges" ) w hich you w ill have outstanding on your account at any t ime. Unless disclosed ot herw ise,
t he Credit Union w ill not allow advances over t he credit
t he Credit Union has a program w hereby it
allow s payment of advances t hat exceed your credit limit , subject t o a f ee, t he Credit Union w ill provide you
w it h not ice, eit her orally,
t he paragraph
ent it led " St atement s and Not ices" ) explaining your right to opt in to t he Credit Union' s program w hereby it w ill
honor advance request s over t he credit limit . In t he event you opt in t o such a program, you agree t o t he t erms
of such a program. You may request an increase in your credit limit only by a met hod accept able t o t he Credit
Union. The Credit Union may increase or decrease your credit limit , ref use t o make an advance and/or t erminat e
your account at any t ime f or any reason not prohibit ed by law . If you are permit t ed to obt ain cash advances on
issue convenience checks t o you that may be draw n on your
your account , w e may,
account . Convenience checks may not be used t o make a payment on your account balance.
If you use a
convenience check, it w ill be post ed t o your account as a cash advance. We reserve t he right t o ref use t o pay a
convenience check draw n on your account
f or any reason and such ref usal shall not const it ut e w rongf ul
dishonor.

f rom t ime t o t ime,

limit . If

t he present ment of

t he check f or payment

You may request t hat w e st op t he payment of a convenience check draw n on your account . You agree t o pay
any f ee imposed t o st op a payment on a convenience check issued on your account . You may make a stop
payment request orally, if permitt ed, or in w rit ing. Your request must be made w it h suf ficient t ime in advance
to give us a reasonable opport unity t o act on your request . In
of
addition, your request must accurat ely describe t he check including t he exact account number, t he payee, any
check number t hat may be applicable, and t he exact amount of t he check. If permit t ed, you may make a stop
payment request orally but such a request w ill expire af ter 14 days unless you conf irm your request in w riting
t ime. Writ t en stop payment orders are eff ect ive only f or six (6) mont hs and may be renew ed f or
w it hin t hat
the st op payment order be renew ed. We are not
additional six mont h periods by request ing in w rit ing t hat
required t o not if y you w hen a st op payment order expires. If w e re-credit your account af t er paying a check or
draf t over a valid and t imely st op payment order, you agree t o sign a st atement describing t he disput e w it h t he
payee, t o assign t o us all of your right s against t he payee or ot her holders of t he check or draf t and t o assist us
in any legal action. You agree t o indemnif y and hold us harmless from all cost s and expenses,
including
at t orney' s f ees, damages, or claims, relat ed t o our honoring your st op payment request or in failing t o stop
payment of an it em as a result of incorrect inf ormat ion provided t o us or t he giving of inadequat e t ime t o act
upon a st op payment request .

receipt and agreement

2. USING YOUR CARD - You underst and t hat t he use of your credit card or credit card account w ill const it ut e
acknow ledgement of
t he Credit Card A greement and Credit Card
to t he t erms of
Account Opening Disclosure (Disclosure). You may use your card t o make purchases from merchant s and
ot hers w ho accept your card. The credit union is not responsible f or t he ref usal of any merchant or f inancial
instit ution t o honor your card. If you w ish t o pay f or goods or services over t he Int ernet , you may be required t o
provide card number securit y inf ormat ion bef ore you w ill be permit t ed t o complet e t he t ransact ion. In addit ion,
you may obt ain cash advances f rom t he Credit Union, from other f inancial
inst itut ions t hat accept your card,
t he credit union
and from some aut omat ed t eller machines (A TMs).
aut horizes ATM transact ions w it h your card, it w ill issue you a personal ident if icat ion number (PIN). To obt ain
cash advances f rom an ATM, you must use t he PIN issued t o you f or use w it h your card. You agree that you
w ill not use your card f or any t ransaction that is illegal under applicable federal, st ate, or local law . Even if you
use your card f or an illegal
t ransaction, you w ill be responsible f or all amount s and charges incurred in
connect ion w it h t he transact ion. If you are permit ted t o obt ain cash advances on your account , you may also
use your card t o purchase inst rument s and engage in t ransact ions t hat w e consider t he equivalent of cash.
Such t ransact ions w ill be post ed t o your account as cash advances and include, but are not
limit ed t o, w ire
t ransf ers and money orders. This paragraph shall not be int erpret ed as permit t ing or aut horizing any t ransaction
t hat is illegal.

(Not all ATMs accept your card.) If

3. PROMISE TO PAY - You promise to pay all charges (purchases, cash advances, balance transf ers, use of
convenience checks or any ot her charge) made t o your account by you or anyone you aut horize t o use your
account . You also promise t o pay all f inance charges and ot her charges added t o your account under t he t erms
of
t he
paragraph on JOINT ACCOUNTS also applies t o your account .

t his Agreement or anot her agreement you made w it h t he Credit Union.

this is a joint account,

If

CUNA Mut ual Group 1991, 2006, 09, 10 All Rights Reserved

Page 1 of 6

DNYLZ4 (MXC501)-e

 
t o applicable law .

4. PERIODIC RATES - The periodic rat es applicable t o purchases, cash advances, and balance t ransf ers are
disclosed on t he Disclosure t hat accompanies t his Agreement . Any penalt y rate t hat may be imposed f or f ailing
t o make a payment by t he payment due dat e is also disclosed on t he Disclosure. A ny rat e change w ill be made
pursuant
is variable, as indicat ed on t he accompanying
Disclosure,
t he rat e charged on purchases, cash advances, balance t ransf ers and any penalty rat e w ill vary
f or
periodically as disclosed in t he Disclosure accompanying t his Agreement . The init ial rat e on your account
cert ain t ypes of t ransact ions may be an int roduct ory discount ed rat e (Int roduct ory Rat e) t hat is low er t han t he
rat e that w ould ordinarily apply f or t hat t ype of t ransaction. If an Int roduct ory Rat e applies t o your account , t he
rat es and t he period of t ime it w ill be ef f ective is show n on t he Disclosure accompanying t his Agreement . Af t er
t he Introduct ory Rat e period expires,
the periodic rat e w ill aut omatically increase to the rat es t hat w ould
ordinarily apply f or t hat t ype of transact ion based on the t erms of t his Agreement .

t he rat e f or your account

If

5. FINANCE CHARGES - New purchases post ed t o your account during a billing cycle w ill not incur a f inance
charge f or t hat billing cycle if you had a zero or credit balance at t he beginning of t hat billing cycle, or you paid
t he ent ire new balance on t he previous cycle' s billing stat ement by t he payment due dat e of
t hat st atement ;
ot herw ise a f inance charge w ill accrue f rom t he date a purchase is posted t o your account . To avoid an
additional f inance charge on t he balance of purchases, you must pay t he entire new balance on the billing
st at ement by the payment due dat e of
t hat st at ement . A f inance charge begins t o accrue on cash advances
f rom t he dat e you get t he cash advance or f rom t he f irst day of the billing cycle in w hich t he cash advance is
post ed t o your account , w hichever is later (t ransact ion dat e).

The f inance charge is calculated separat ely f or purchases and cash advances. For purchases, t he f inance charge
is comput ed by applying t he periodic rate t o the average daily balance of purchases. To calculat e t he average
daily balance of purchases, w e take the beginning outstanding balance of purchases each day, add any new
purchases, and subt ract any payment s and/or credit s. This gives us t he daily balance of purchases. We then
add all of t he daily balances of purchases f or t he billing cycle toget her and divide t he t ot al by t he number of
days in t he billing cycle. This gives us the average daily balance of purchases.

For cash advances, the f inance charge is comput ed by applying t he periodic rat e t o t he average daily balance of
cash advances. To calculat e t he average daily balance of cash advances, w e take t he beginning out st anding
balance of cash advances each day, add in any new cash advances, and subt ract any payments and/or credit s
t hat w e apply t o t he cash advance balance. This gives us t he daily balance of cash advances. We t hen add all
of t he daily balances of cash advances for t he billing cycle t oget her and divide t he tot al by t he number of days
in t he billing cycle. This gives us t he average daily balance of cash advances. Balance t ransf ers are calculat ed in
t he same manner as cash advances.

6. FOREIGN TRANSACTIONS - Purchases and cash advances made in f oreign currencies w ill be debit ed from
your account in U.S. dollars. The exchange rat e bet w een the transact ion currency and t he billing currency used
f or processing int ernat ional t ransact ions is a rat e select ed by Visa f rom a range of rat es available in w holesale
currency market s f or the applicable cent ral processing date, w hich rat e may vary f rom t he rat e Visa it self
f or t he applicable cent ral processing dat e. The exchange
receives or the government -mandat ed rat e in ef f ect
rat e used on t he processing date may dif f er f rom t he rat e t hat w ould have been used on t he purchase dat e or
cardholder stat ement posting date.

A f ee (f inance charge), calculat ed in U.S. dollars, w ill be imposed on all
including
purchases, cash advances and credit s t o your account . A f oreign transact ion is any transact ion t hat you
complet e or a merchant complet es on your card out side of
t he Unit ed St at es, w it h t he exception of U.S.
milit ary bases, U.S. territ ories, U.S. embassies or U.S. consulat es. The Foreign Transact ion Fee is set f ort h on
t he Disclosure accompanying t his Agreement .

f oreign t ransact ions,

7. FEES - In addition t o the periodic rat e, t he follow ing addit ional f ees may be imposed on your account. If
applicable t o your account , t he fee amount s and explanat ions are disclosed on t he Disclosure accompanying
t his Agreement . Your account may also be subject
f ort h on t he Disclosure
accompanying t his A greement .

to addit ional

f ees as set

a. Annual Fee. If your account is subject t o an Annual Fee, t he f ee w ill be charged t o your account upon t he
issuance of your card. Each year f ollow ing, the annual f ee w ill be charged to your account during t he same
mont h t hat you w ere f irst charged t he f ee. The fee w ill be charged each year unt il your account is closed and
paid in f ull.
b. Foreign Transaction Fee (Finance Charge). If your account is subject t o a Foreign Transact ion Fee (f inance
the Unit ed St at es or in a
charge), a f ee may be charged t o your account
f oreign currency.

f or transact ions made out side of

c. Late Payment Fee. If your account is subject t o a Lat e Payment Fee, t he f ee w ill be charged t o your account
w hen you do not make t he required minimum payment by or w ithin t he number of days of
t he st at ement
Payment Due Dat e set f ort h on t he Disclosure accompanying t his Agreement .

d. Returned Payment Fee. If your account
your account w hen a payment is ret urned for any reason.

is subject

t o a Returned Payment Fee, the f ee w ill be charged t o

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DNYLZ4 (MXC501)-e

 
e. Statement Copy Fee. If your account is subject t o a St atement Copy Fee, except as limit ed by applicable law
and w hen t he request is made in connect ion w it h a billing error made by t he Credit Union, a f ee may be charged
t o your account f or each copy of a sales draft or st at ement t hat you request .

f. Rush Fee. If your account is subject to a Rush Fee, except as limited by applicable law , a fee may be charged
t o your account f or each rush card t hat you request , providing delivery of t he card is also available by st andard
mail service, w it hout paying a f ee f or delivery.

g. Emergency Card Replacement Fee. If your account is subject t o an Emergency Card Replacement Fee, a f ee
w ill be charged t o your account f or each emergency replacement card t hat is issued t o you.

8. PAYMENTS - Each mont h you must pay at
least t he minimum payment show n on your st atement by t he
dat e specif ied on t he st atement . You may pay more frequent ly, pay more t han t he minimum payment or pay t he
t ot al new balance in full.
t he
minimum payment each mont h your account has a balance (ot her t han a credit balance). The minimum payment
is 2.50% of your t ot al new balance, or $15.00, w hichever is greater, plus the amount of any prior minimum
payments t hat you have not made, all out st anding unpaid fees and charges, and any amount you are over your
credit limit by t he dat e specif ied on t he st at ement . The Credit Union also has t he right t o demand immediat e
payment of any amount by w hich you are over your credit limit .

If you make extra or larger payment s, you are still required to make at

least

9. PAYMENT ALLOCATION - Subject t o applicable law , your payment s may be applied t o w hat you ow e t he
Credit Union in any manner t he Credit Union chooses. How ever,
in t he event you make a
payment in excess of t he required minimum periodic payment , t he Credit Union w ill allocat e t he excess amount
f irst t o t he balance w it h the highest annual percent age rate and any remaining port ion t o t he ot her balances in
descending order based on applicable annual percent age rat e.

in every case,

10. SECURITY INTEREST - You grant the Credit Union a securit y int erest under t he Unif orm Commercial Code
and under any common law right s t he Credit Union may have in any goods you purchase. If you give t he Credit
Union a specific pledge of shares by signing a separat e pledge of shares, your pledged shares w ill secure your
account . You may not w it hdraw amount s t hat have been specif ically pledged t o secure your account unt il t he
Credit Union agrees t o release all or part of t he pledged amount .

Your Account is secured by all other shares you have in any individual or joint account w ith the Credit Union,
except for shares in an Individual Retirement Account or in any other account that w ould lose special tax
treatment under state or federal law if given as security. These other shares may be withdraw n unless you are
in default under this agreement. You authorize the Credit Union to apply the balance in your individual or joint
share accounts to pay any amounts due on your Account if you should default.

Collat eral securing ot her loans you have w it h t he Credit Union may also secure t his loan, except t hat a dw elling
w ill never be considered as securit y f or t his account , not w it hstanding anyt hing t o t he cont rary in any ot her
agreement .

11. DEFAULT - You w ill be in def ault if you f ail t o make any minimum payment or other required payment by
t he dat e that it is due. You w ill be in def ault if you break any promise you make under t his A greement . You w ill
be in default if you die, f ile f or bankrupt cy or become insolvent , t hat is, unable t o pay your obligat ions w hen
t hey become due. You w ill be in def ault if you make any f alse or misleading st at ement s in any credit application
or credit updat e. You w ill also be in default
t he Credit Union believes may
subst ant ially reduce your abilit y t o repay w hat you ow e.

if somet hing happens t hat

When you are in def ault , the Credit Union has the right
immediat e payment
balance w it hout giving you not ice. If
charges at
w ere given as securit y f or your account may be applied t ow ards w hat you ow e.

t o demand immediat e payment of your f ull account
is demanded, you agree t o cont inue paying finance
t he periodic rat e charged bef ore def ault , unt il w hat you ow e has been paid, and any shares t hat

12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION - You agree to notify us
immediat ely, orally or in w rit ing, at 30 St earns St ., Massena, NY 13662 or telephone (866) 604-0381 Monday
t hrough Saturday 5:00 p.m. t o 9:00 a.m East ern Time, (800) 423-4503 Monday t hrough Friday 9:00 a.m. t o
5:00 p.m. Eastern Time or (800) 764-0566 Monday t hrough Friday 8:00 a.m. to 5:00 p.m. East ern Time, of
t he loss, thef t, or unaut horized use of your credit card. You may be liable for t he unaut horized use of your
credit card. You w ill not be liable f or unaut horized use t hat occurs af t er you not if y us of
the loss, t heft , or
possible unaut horized use. You w ill have no liabilit y for unaut horized purchases made w ith your credit card,
unless you are grossly negligent in t he handling of your card. In any case, your liabilit y w ill not exceed $50.00.

13. CHANGING OR TERMINATING YOUR ACCOUNT - As permit t ed by law , t he Credit Union may change t he
t erms of t his A greement and any at t ached Disclosure from t ime t o t ime. Notice of any change w ill be given in
accordance w ith applicable law . If permit ted by law and specif ied in t he not ice t o you, t he change w ill apply t o
your exist ing account balance as w ell as to f ut ure t ransactions.

Page 3 of 6

DNYLZ4 (MXC501)-e

 
Eit her you or t he Credit Union may terminat e t his Agreement at any t ime, but t erminat ion by you or the Credit
Union w ill not af fect your obligation t o pay t he account balance plus any f inance and ot her charges you ow e
under t his A greement . Your obligat ion t o pay t he account balance plus any f inance and ot her charges you ow e
under t his agreement are subject t o all applicable law s and regulat ions regarding repayment requirement s. You
are also responsible for all t ransactions made t o your account af t er t erminat ion, unless t he t ransact ions w ere
unaut horized.

The card or cards you receive remain t he propert y of t he Credit Union and you must recover and surrender t o
t his Agreement w het her by you or t he Credit
t he Credit Union all cards upon request or upon t erminat ion of
Union.
t his Agreement also applies t o
t erminat ion of t he account.

the paragraph on JOINT ACCOUNTS of

t his is a joint account ,

If

t o access your account . Your let t er must

14. CHANGING OR TERMINATING AUTHORIZED USERS - Upon your request, w e may issue addit ional cards
f or aut horized users t hat you designat e. You must not if y us in w riting of any t erminat ion of an aut horized user' s
right
t he authorized user and your account
number and/or any subaccount number issued t o t he aut horized user along w it h the aut horized user' s card and
any convenience or ot her access checks issued t o t he aut horized user.
If you cannot ret urn t he authorized
user' s card or access checks and if you request your account t o be closed, w e w ill close your account and you
may apply f or a new account .

include the name of

15. CREDIT REVIEW AND RELEASE OF INFORMATION - You authorize t he Credit Union t o invest igat e your
credit standing w hen opening or review ing your account . You aut horize t he Credit Union t o disclose inf ormation
regarding your account t o credit bureaus and credit ors w ho inquire about your credit st anding. If your account is
eligible f or emergency cash and/or emergency card replacement services, and you request such services, you
agree t hat w e may provide personal inf ormat ion about you and your account that is necessary t o provide you
w it h the requested service(s).

16. RETURNS AND ADJUSTMENTS - Merchant s and ot hers w ho honor your card may give credit f or ret urns or
adjust ment s, and t hey w ill do so by sending t he Credit Union a credit slip w hich w ill be post ed t o your account .
If your credits and payment s exceed w hat you ow e t he Credit Union, t he amount w ill be applied against f ut ure
is $1.00 or more, it w ill be ref unded upon your
purchases and cash advances. If
w rit t en request or aut omat ically af t er six (6) mont hs.

t he credit balance amount

17. ADDITIONAL BENEFITS/CARD ENHANCEMENTS - The Credit Union may f rom time t o t ime off er addit ional
services to your account , such as t ravel accident insurance, at no addit ional cost t o you. You underst and t hat
t he Credit Union is not obligat ed t o of fer such services and may w it hdraw or change t hem at any time.

18. MERCHANT DISPUTES - The Credit Union is not responsible f or t he ref usal of any merchant or f inancial
instit ution t o honor your card. The Credit Union is subject t o claims and def enses (ot her t han tort claims) arising
out of goods or services you purchase w ith t he card if you have made a good f ait h at tempt but have been
unable t o obt ain sat isf action f rom t he merchant or service provider, and (a) your purchase w as made in
response to an advert isement the Credit Union sent or part icipated in sending to you; or (b) your purchase cost
more than $50.00 and w as made in your st at e or w it hin 100 miles of your home.

19. JOINT ACCOUNTS - If
t his is a joint account , each of you w ill be individually and joint ly responsible f or
paying all amounts ow ed under this Agreement . This means t hat the Credit Union can require any one of you
individually t o repay t he ent ire amount ow ed under this Agreement. Each of you aut horizes t he ot her(s) t o make
purchases or cash advances individually. Any one of you may terminat e t he account and t he t ermination w ill be
ef f ective as t o all of you.

20. EFFECT OF AGREEMENT - This Agreement is t he cont ract w hich applies to all t ransact ions on your account
even t hough t he sales, cash advances, credit or ot her slips you sign or receive may cont ain dif f erent t erms.

21. NO WAIVER - The Credit Union can delay enf orcing any of
t hem.

its right s any number of

t imes w it hout

losing

22. STATEMENTS AND NOTICES - St atement s and not ices w ill be mailed or delivered t o you at t he appropriat e
address you have given t he Credit Union. Not ice sent t o any one of you w ill be considered not ice t o all.

23. SEVERABILITY AND FINAL EXPRESSION - This A greement and t he Disclosure are t he f inal expression of
t he t erms and conditions of your account . This w ritt en A greement and Disclosure may not be contradict ed by
evidence of any alleged oral agreement . Should any part of
t his A greement or t he Disclosure be f ound t o be
invalid or unenforceable, all other part s of
this Agreement and Disclosure shall remain in ef f ect and f ully
enf orceable t o t he fullest ext ent possible under t his Agreement .

24. COPY RECEIVED - You acknow ledge that you have received a copy of t his Agreement and Disclosure.

25. GAMBLING TRANSACTIONS PROHIBITED - You may not use your card t o init iat e any t ype of gambling
t ransact ion.

Page 4 of 6

DNYLZ4 (MXC501)-e

 
including t he
26. PENALTY RATE DISCLOSURES - If applicable t o your account , all rat es f or your account ,
rat es f or purchases, cash advances, and balance t ransfers, w ill increase t o t he Penalt y Rat e w hen you meet one
f ort h in the Disclosure accompanying this Agreement. Any rat e increases
or more of
applied t o your account are subject
to t he Disclosure f or
additional inf ormat ion regarding t he Penalt y Rat e.

t o applicable not ice requirement s. Please ref er

t he condit ions as set

27. VOLUNTARY PAYMENT PROTECTION - We may of f er Volunt ary Payment Protect ion t o you. Volunt ary
Payment Prot ect ion is not necessary t o obt ain credit . If you purchase Volunt ary Payment Prot ection from us,
you aut horize us t o add t he f ees or insurance charges mont hly t o your loan balance and charge you int erest on
t he ent ire balance. A t our option w e w ill change your payment or t he period of t ime necessary t o repay t he loan
the rat e
balance. The rate used t o det ermine t he f ees or insurance charges may change in t he f ut ure.
changes, w e w ill provide any not ices required by applicable law .

If

28. NOTICE TO UTAH BORROWERS - This w rit t en agreement is a f inal expression of the agreement bet w een
you and t he Credit Union. This w rit ten agreement may not be contradict ed by evidence of any oral agreement .

29. THE FOLLOWING IS REQUIRED BY VERMONT LAW - NOTICE TO CO-SIGNER - YOUR SIGNATURE ON
THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER
DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.

Your Billing Rights: Keep this Document for Future Use

This not ice t ells you about your rights and our responsibilit ies under t he Fair Credit Billing A ct.

What To Do If You Find A Mistake On Your Statement

If you t hink there is an error on your st at ement , w rit e t o us at the address listed on your st at ement.

In your lett er, give us t he f ollow ing inf ormat ion:

-
-
-

Account information: Your name and account number.
Dollar amount: The dollar amount of t he suspect ed error.
Description of problem: If you t hink there is an error on your bill, describe w hat you believe is w rong and
w hy you believe it is a mist ake.

You must cont act us:

- Wit hin 60 days af t er t he error appeared on your stat ement.
-

At least 3 business days before an aut omated payment is scheduled, if you w ant t o stop payment on
t he amount you t hink is w rong.

You must not if y us of any pot ential errors in w riting [or elect ronically]. You may call us, but if you do w e are
not required t o invest igat e any potential errors and you may have t o pay t he amount in quest ion.

What Will Happen After We Receive Your Letter

When w e receive your let t er, w e must do t w o t hings:

1. Wit hin 30 days of receiving your lett er, w e must t ell you t hat w e received your let t er. We w ill also t ell

you if w e have already correct ed t he error.

2. Wit hin 90 days of receiving your lett er, w e must eit her correct

believe t he bill is correct .

t he error or explain to you w hy w e

While w e invest igate w het her or not t here has been an error:

- We cannot t ry t o collect the amount in quest ion, or report you as delinquent on t hat amount .
-

The charge in question may remain on your st at ement , and w e may continue t o charge you interest on
t hat amount .

- While you do not have t o pay t he amount

in quest ion, you are responsible f or t he remainder of your

balance.

- We can apply any unpaid amount against your credit limit.

Af t er w e finish our invest igat ion, one of t w o t hings w ill happen:

-

-

If w e made a mistake: You w ill not have t o pay t he amount
relat ed t o that amount .
in quest ion, along w it h
If w e do not believe there w as a mistake: You w ill have t o pay the amount
applicable interest and f ees. We w ill send you a stat ement of
t he amount you ow e and t he dat e
payment is due. We may t hen report you as delinquent if you do not pay t he amount w e t hink you ow e.

in quest ion or any int erest or ot her f ees

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If you receive our explanat ion but st ill believe your bill is w rong, you must w rit e t o us w ithin 10 days t elling us
t hat you st ill ref use t o pay. If you do so, w e cannot report you as delinquent w it hout also report ing t hat you are
quest ioning your bill. We must t ell you the name of anyone t o w hom w e report ed you as delinquent , and w e
must let t hose organizat ions know w hen t he mat ter has been set t led betw een us.

If w e do not f ollow all of t he rules above, you do not have t o pay t he f irst $50 of t he amount you question
even if your bill is correct.

Your Rights if You Are Dissatisfied With Your Credit Card Purchases

If you are dissat isf ied w it h t he goods or services t hat you have purchased w ith your credit card, and you have
t ried in good faith t o correct the problem w ith t he merchant , you may have t he right not to pay t he remaining
amount due on the purchase.

To use this right , all of t he f ollow ing must be t rue:

1. The purchase must have been made in your home st at e or w ithin 100 miles of your current mailing
address, and the purchase price must have been more t han $50. (Not e: Neither of t hese are necessary
if your purchase w as based on an advert isement w e mailed t o you, or if w e ow n t he company t hat sold
you the goods or services.)

2. You must have used your credit card f or the purchase. Purchases made w ith cash advances f rom an

ATM or w it h a check t hat accesses your credit card account do not qualif y.

3. You must not yet have f ully paid for t he purchase.

If all of
elect ronically] at t he address list ed on your st atement .

t he crit eria above are met and you are st ill dissatisfied w it h t he purchase, cont act us in w riting [or

While w e invest igat e, t he same rules apply t o t he disputed amount as discussed above. Af t er w e finish our
invest igation, w e w ill t ell you our decision. At t hat point , if w e t hink you ow e an amount and you do not pay,
w e may report you as delinquent .

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