PARTS IN BOLD FACE MEET TRUTH IN LENDING 
REQUIREMENTS. PLEASE READ THE WHOLE AGREEMENT 
AND KEEP IT FOR YOUR RECORDS.
You  have  applied  for  a  Platinum  Visa®  card  with  the  San  Francisco  Fire 
Credit Union. If issued, the extension of a credit card and convenience 
checks  to  you  under  this  Agreement  will  be  subject  to  the  following 
terms:

A. USING YOUR VISA® ACCOUNT
1.  You  consent  to  the  terms  of  this  Agreement  by  using  the  card  or  
convenience checks. You continue to be bound for all transactions resulting 
from  the  use  of  the  card  or  checks  until  you  give  us  written  notice  of  
termination of the account and return the card and/or checks to us.
a. If the Credit Union approves your application, each applicant will 
be issued a Visa® credit card (and convenience checks if requested), 
and will be able to use the account. Each applicant will also be liable 
to repay the account under the terms of this Agreement. Cosigners 
who do not have access to the account but are still liable for the 
loan acknowledge receipt of a copy of this loan Agreement as well 
as the separate “Notice to Cosigner.”

b.   You are also obligated to repay any charges resulting from the use 
of the account by another person with your permission whether or 
not the person stays within the limits of use set by you.

c. Any persons who use the account are also obligated to repay the 
Credit Union for all charges incurred because of their use of the 
account.

d. You remain bound to pay for charges made under this Agreement 
even  if  another  person  has  been  directed  to  pay  the  debt  by  an 
agreement or court order to which the Credit Union is not a party; 
for example, a divorce decree. Any release from the obligation to 
pay is valid only if pursuant to a writing signed by an authorized 
Credit Union employee or to a court order in an action to which the 
Credit Union is a party.

2.  To make a purchase or get a cash advance, present the card or give 
the  card  number  and  expiration  date  to  a  participating  Visa®  plan 
merchant, to us, or to another financial institution. If you make the 
transaction  in  person,  you  will  sign  a  sales  or  cash  advance  draft 
imprinted  with  your  card  number.  Keep  the  drafts  to  verify  your 
periodic statement. If the transaction is not made in person (such as 
a telephone mail order purchase or an on-line purchase), your only 
documentation of the charge may be your periodic statement.

3.  Your credit card may also access Visa® designated automated teller 
machines (ATMs). The use of your credit card for ATM access is subject 
to the additional ATM disclosure terms.

4.  You  can  also  access  your  Visa®  account  by  writing  a  convenience 
check. The use of a convenience check is treated as a cash advance 
for purposes of calculating FINANCE CHARGES. “The Special Rule for 
Credit Card Purchases” and “Notice to California Residents” do not 
apply to use of convenience checks, but special service requests (such 
as stop payment requests) will be subject to the same fees we charge 
for these services on checking accounts. Please refer to our current 
Fee Schedule. In handling convenience checks, your and our respective 
rights and responsibilities are as explained in the checking account 
terms in your General Disclosure & Account Agreement. A merchant 
or other payee may convert a Visa® check to an electronic check; refer 
to the Electronic Fund Transfer Disclosure included in your Member 
Account Handbook for terms governing electronic checks.
5.  NOTICE OF PROHIBITION ON USE FOR ILLEGAL TRANSACTIONS
  Visa® Cardholders may not use or permit others to use their credit cards 
for illegal transactions, such as illegal online gambling. We have the 
right, but not the obligation, to refuse a requested transaction if we 
reasonably believe the transaction is illegal. If unauthorized use is 
made of your card for  a transaction, the actual  or  alleged illegality  
of the transaction will not be a defense to your obligation to pay the 
resulting charge. Responsibility for determining whether transactions 
are legal rest with the Cardholder, not the Credit Union.

6.  Overdraft Protection Advances. If you designate your Visa® Account as 
an overdraft protection source in writing, the following applies: You 
may request a loan advance on your Visa® account by writing a check/ 
share draft any time there are not sufficient funds in your check/share 
draft account. If you request a Debit Card or Online Banking or Online 
Bill  Payment,  you  can  also  request  a  loan  advance  by  using  those 
services to make payments out of your Credit Union checking/share 
draft account when there are insufficient funds in that account. Any 
overdraft of your checking/share draft account, up to your unused 
credit limit on your Visa® account, will be added to your loan balance 
under this Agreement if and when the Credit Union pays the share 

draft or other transaction. The Credit Union has the right to refuse 
overdraft  loan  advances  but  will  promptly  notify  you  in  writing  of 
the  reasons  for  refusal.  Overdraft  protection  advances  will  not  be 
made if your Credit Union membership is not in good standing or if 
you do not have available credit. All overdraft loan advances will be 
in amounts sufficient to cover the overdrafts and any applicable fees 
and charges assessed against your share or share draft accounts – see 
the Fee Schedule. Overdraft protection advances are treated as cash 
advances in calculating FINANCE CHARGES for your Visa® Account. You 
cannot obtain an overdraft protection advance to make Credit Union 
loan  payments.  Doing  so  is  considered  a  misuse  of  your  checking/ 
share draft and credit privileges and may result in our revoking your 
credit privileges, your checking/share draft privileges or both.

7.  Honoring the card. We will not be responsible for the refusal of any 

merchant or financial institution to honor your card.

8.  If  your  card  has  the  Extra  AwardsTM  feature,  program  details  are 

explained in a separate Extra AwardsTM brochure.

B. CREDIT LIMIT
The  Credit  Union  has  the  sole  discretion  to  set  your  credit  limit, 
applying Credit Union loan policies to the evaluation of your credit- 
worthiness and ability to pay. The Credit Union can review your Visa® 
account from time to time. Credit Union review may include checking 
your  credit  with  third  parties  such  as  credit  reporting  agencies.  You 
must provide any current information the Credit Union requests. We 
may adjust your credit limit or close your credit card account at any 
time based on a number of factors including our current loan policies 
and our evaluation of your credit worthiness and ability to repay. The 
Credit Union can increase your rate, increase or decrease your credit 
limit  or  terminate  your  Visa®  account  based  on  Credit  Union  review. 
The Credit Union will give you the notice required by law if changes 
are  made  that  adversely  affect  you.  You  can  request  an  increase  to 
your credit limit at any time by submitting an oral or written request, 
but the Credit Union has sole discretion as to whether to approve your 
request. All cards issued or re-issued are subject to approval. A Visa® 
account that has been inactive for six months may not be automatically 
renewed.

C. REPAYMENT TERMS
1.   You  promise  to  pay  to  the  Credit  Union  at  the  address  designated  
on your statement all sums advanced to you under this Agreement at any 
time plus a FINANCE CHARGE. Interest FINANCE CHARGES on your credit 
card account are calculated by applying an ANNUAL PERCENTAGE RATE 
to the balance outstanding on your account. The rate for VARIABLE rate 
accounts is determined at the beginning of each billing cycle by adding 
a  margin  (between  4.00%  and  10.00%  based  on  the  creditworthiness 
assigned to your account) to the Index. The Index is the highest Prime Rate 
currently published in the Wall Street Journal, Western Edition, on the 1st 
day of the month (or the next business day if the 1st is not a business 
day). Your VARIABLE rate Index may change quarterly (January, April, July, 
October).

  Before you become obligated, the Credit Union will disclose to you the 
margin that is assigned to a VARIABLE account, and the current ANNUAL 
PERCENTAGE RATE and corresponding Monthly Periodic Rate. The margin 
assigned to a VARIABLE account may depend on a number of factors 
including our current loan policies and our evaluation of your credit-
worthiness and ability to pay. 

2.  We arrive at the FINANCE CHARGE by multiplying the monthly Periodic 
Rate  by  the  “average  daily  balance.”  We  calculate  the  “average  daily 
balance”  by  adding  purchases  and  cash  advances  to  any  previous 
balance and subtracting any payments received or other credits each 
day. Unpaid FINANCE CHARGES are excluded from the calculation.  That 
gives us the daily principal balances.  The daily principal balances are 
added together and divided by the number of days in the billing cycle to 
arrive at the “average daily balance.”

2.1 The FINANCE CHARGE on purchases will be charged for each month the 
outstanding balance is not paid within the grace period, at least 25 days 
after the statement date. The statement closing date is the 15th of each 
month and the payment due date is the 15th of each month. Therefore, the 
number of days between your statement closing date and your payment 
due date (the grace period) may vary from one billing cycle to another, but 
will never be less than 25 days.

2.2 In order to avoid a FINANCE CHARGE on purchases made since your last 
statement  date,  you  must  pay  the  Total  New  Balance  by  the  Payment 
Due Date shown on your statement. Otherwise the FINANCE CHARGE on 
purchases is calculated from the beginning of the next statement period 
on previously billed but unpaid purchases and on new purchases from the 
date they are posted to your account.

3.  The  FINANCE  CHARGE  on  cash  advances  runs  from  the  date  of  each  
transaction. There is no grace period. Cash advances include all Visa® 

convenience  check  transactions  (whether  used  to  obtain  cash  or  to 
pay for goods or service), use of the card to obtain cash via a signature 
(over-the-counter) transaction or ATM, overdraft protection advances, 
and Online Banking advances.

4.  If you paid your previous billing cycle’s balance in full on or before the 
due date (or had no outstanding balance), FINANCE CHARGES on current 
purchases will begin to accrue only if you still have a purchase balance 
outstanding at the end of the current cycle’s grace period. If you had 
a  purchase  balance  outstanding  after  the  previous  cycle’s  due  date, 
FINANCE CHARGES will begin to accrue from the date new purchases 
post  to  your  account,  and  will  continue  to  accrue  on  any  purchase 
outstanding from prior billing cycles. Once FINANCE CHARGES begin to 
accrue, they continue to accrue until the balances are repaid. Paying 
part of a balance due will not stop the accrual of FINANCE CHARGES on 
balances that remain outstanding.

5.  Your payments will be applied to the components of your account in 
the following general order: 1) charges, such as late payment charges 
2) FINANCE CHARGES 3) previously billed balance transfers 4) previously 
billed cash advances 5) previously billed non-cash transactions 6) new 
balance transfers 7) new cash advances 8) new non-cash transactions 
9) disputed amounts. In all cases, after the payment of late charges and 
FINANCE CHARGES, payments will be applied to the highest interest 
rate balance first.

6.   The minimum required monthly payment is $20 or 3% of the outstanding 
balance rounded up to the next dollar, whichever is greater, plus any 
past due amounts and/or amounts by which your outstanding balance 
exceeds your credit limit. It increases as the unpaid balance increases, 
as stated in your monthly statement. If the balance is less than $20, the 
minimum monthly payment will equal the balance amount.

7.  The Credit Union will send you monthly statements of your Visa® account 
which  will  advise  you  of  the  status  of  your  account  and  any  other  
information required by law.

8.  If your outstanding balance exceeds your authorized credit limit at 
any time for any reason, you must, upon your receipt of our written 
demand,  immediately  make  a  lump  sum  payment  to  reduce  your 
balance to an amount within your credit limit.

9.  The balance owed by you, including accrued FINANCE CHARGE on the 
unpaid balance, may be repaid in full at any time without prepayment 
penalty.

10. The Credit Union can assess FINANCE CHARGES on cash advances from 
the day they post to your Visa® Account. Cash advances include all Visa® 
Check transactions (whether used to obtain cash or to pay for goods 
or services), use of the card to obtain cash via a signature (over-the- 
counter) transaction or ATM, Overdraft Protection advances or Online 
Banking advances.

11. Penalty APR: The Penalty APR may be applicable to your account if you:
• Fail to make any minimum payment within 60 days after the due 

date for that payment;

• Make a payment to us that is returned unpaid; or

  • Do any of the above on another account or loan you have with us. 
    Before we apply the Penalty APR on any type of transaction balance,  
   we will provide you any notice required by law in advance that   
   tells you which future transactions and/or outstanding balances   
  are subject to the Penalty APR and when the APRs will increase. If  
   we do not increase your APRs to the Penalty APR when any of these  
   events occur, we reserve the right to increase your APRs to the  
   Penalty APR if any of these events occur in the future.
If your APRs are increased on any type of transaction for any of the 
reasons  above,  the  Penalty  APR  will  be  applicable  indefinitely  to 
future transactions of that type that occur more than 14 days after 
we provide you notice about the APR increase.
If we do not receive any minimum payment within 60 days of the date 
and time due, the Penalty APR will be applicable to all outstanding 
balances  and  future  transactions  on  your  account.  However,  if  we 
receive six consecutive minimum payments by the date and time due 
beginning with the first payment due after the effective date of the 
increase, we will stop applying the Penalty APR to transactions that 
occurred prior to or within 14 days after we provided you notice about 
the APR increase. For balances that we stop applying the Penalty APR 
to,  we  will  apply  APRs  that  would  have  applied  at  that  date  if  the 
Penalty APR had never been applicable.

12. Closed Accounts: If you close your credit card account with the Credit 
Union  we  may  adjust  your  repayment  of  the  outstanding  balance 
using one of the following methods:

•  The existing method of repayment for the account as of the close date; 

or

•  A repayment amortization period of not less than five years, beginning 

no earlier than the close date.

D. OTHER CHARGES
1.  If your minimum monthly payment is not paid within 15 days after the 

payment due date, you will be charged a late fee of $15.00.

2.  Payment of your Visa account with a check returned NSF (not sufficient 
funds)  or  by  other  dishonored  funds  transfer  will  result  in  a  $10.00 
charge.

3.  International Transactions. Purchases and cash advances initiated in 
foreign countries or foreign currencies will be billed in U.S. Dollars. The 
exchange rate on international transactions between the transaction 
currency and the billing currency is 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 
processing date.

E. CHANGES IN TERMS
We  may  change  the  terms  of  this  Agreement,  including  the  Annual 
Percentage Rate, and the terms of the Extra AwardsTM program, by giving 
you written notice 45 days prior to the effective date of change. “Change” 
can mean adding a new term, changing an existing term, or deleting an 
old term. If you do not want the changes to apply to your account, you 
have  the  option  of  cutting  all  your  cards  (and  convenience  checks  if  
applicable)  in  half  and  sending  the  pieces  back  to  us  with  a  written 
request that your account be canceled. If you do that, you must pay off 
your  account  but  under  the  old  terms  and  under  the  old  interest  rate; 
and if you have a Visa Extra AwardsTM, you will forfeit travel points you 
have accumulated. If you keep your card, the new terms and new interest 
rate (if any) will go into effect whether or not you use your card for new 
transactions.

F. HONEST DEALING
You will promptly notify the Credit Union of any information that affects 
your  creditworthiness  or  ability  to  pay  off  the  loan,  including  but  not 
limited to a change of name, address or employment. You agree not to use 
your account for new transactions or apply to increase your credit limit  
if you have reason to believe you cannot make the required payments.

G.  ADDITIONAL TERMS APPLICABLE TO CO-SIGNERS
As a co-signer you understand and agree that you are obligated to the 
credit  limit  established  by  the  Credit  Union  for  the  applicant  to    the  
same extent as the applicant. The Credit Union can proceed against you  
if the payments are delinquent even before it seeks to recover from the 
borrower. The Credit Union will give you notice required by law of any 
adverse  action  it  takes  with  respect  to  this  account.  Any  extension  of  
the pay off or partial settlement with the borrower will not waive any of 
the Credit Union’s rights against you as the co-signer. You can stop being 
obligated for future loan advances only by writing to the Credit Union   
to that effect. But you will still be jointly and individually liable with the 
borrower for the repayment of the existing loan according to the terms 
of this Agreement.

H. DEFAULT LIEN ACCELERATION
1.  If you fail to make the minimum monthly payment within 15 days after 
the due date, you authorize us to apply any amount given as security 
in any of your share accounts at any time to pay off, in full or in part, 
what you owe us you understand that we can, under California law, 
apply any amount in any of your Credit Union share accounts to pay 
off, in full or in part, your loan. 

2.  If  you  are  in  default  on  your  payments,  you  breach  other  terms  of 
agreement, your credit worthiness materially declines, you stop being a 
member of this Credit Union, you become insolvent, file for bankruptcy 
relief, or die, the Credit Union will, at its option, terminate your account 
and declare the entire unpaid balance of the account due and payable 
immediately  without  notice.  Even  if  the  Credit  Union  accepts  a  late 
payment or partial payment, it is not waiving its right to accelerate the 
payment of the account and declare the entire unpaid balance due.
3.  If you have a Visa Extra AwardsTM card, and your account is delinquent 
or the balance exceeds your approved credit limit, you will not earn 
points and the Credit Union may withdraw points you have already 
earned.

I. SECURITY
1.  Specific Account Pledge. If you have a Share Secured Credit Card, a specified 
amount in one or more of your Credit Union share accounts is pledged as 
security for the repayment of all amounts loaned to you under the terms of 
this Agreement. The amount pledged and the account will be as shown on a 
separate security agreement. You cannot withdraw the pledged funds from 
the account as long as the pledge is in effect. If you default in your payments 
under the terms of this Agreement, the Credit Union has the right to apply 
the amount specifically pledged to pay off the loan in full or in part.

 
 
 
CARDHOLDER

AGREEMENT AND 
DISCLOSURE STATEMENT

COLLECTION COST
You agree to pay all reasonable cost of collection incurred by the Credit Union 
before suit is filed. If we take legal action to collect what you owe us, you agree 
to pay our reasonable attorney’s fees and costs of suit in addition to any other 
amount you owe whether the legal action we take is a collection of lawsuit, a 
bankruptcy proceeding, an appeal, an action to collect on a judgment we have 
against you, or another type of legal proceeding.

J. ERROR CORRECTION
The Credit Union can correct clerical errors in loan documents, including 
but not limited to errors in the interest rate quoted to you. You will be 
notified of any corrections and the reasons for them.

K. TERMINATION
Without prior written notice, we  can  terminate  your  account,  reduce or 
cancel all credit available on the account, refuse to make further advances, 
and  revoke  all  cards  and  convenience  checks  issued  on  the  account  for 
any breach of the Agreement or for any specific reason shown in section 
B.  If  that  happens  you  will  surrender  all  issued  cards  and  convenience 
checks to the Credit Union. Termination of the Agreement does not relieve 
you of your obligation to repay the full account balance due under this 
Agreement.

L. OTHER RIGHTS APPLICABLE TO CREDIT CARDS
1.  Unauthorized use of Lost or Stolen Cards. Under Visa® operating rules, 
you are generally not liable for unauthorized use of your card. However, 
if you are negligent or fraudulent in  handling your Card  or otherwise fall 
under an exception to Visa® operating rules, you may be liable for up to 
$50 in unauthorized Card use. In any event, you agree to promptly report 
the loss, theft or other actual or potential unauthorized use of your Card 
to us. Call 888-499-FIRE (3473), 24 hours a day to report lost or stolen Cards, 
or write to 3201 California Street, San Francisco CA 94118. All member- 
owners  of  the  Credit  Union  benefit  when  unauthorized  use  losses 
are  kept  to  a  minimum.  The  limitations  on  liability  for  unauthorized  
use do not apply to business or organization accounts on which 10 or 
more cards have been issued.

2.  Merchant  Disputes.  The  Credit  Union  will  not  be  responsible  for  the 
refusal of any merchant or financial institution to honor your Credit Card. 
The Credit Union is subject to good faith claims and defenses recognized  
by  law  (other  than  tort  claims)  arising  out  of  goods  or  services  you 
purchase with the card, only if you have made a good faith attempt but 
have been unable to obtain satisfaction from the plan merchant, and 
(a) your purchase was made in response to an advertisement the Credit 
Union sent or participated in sending you or from a merchant we own 
or operate, or (b) your purchase cost more than $50 and was made in 
your home state or within 100 miles of your home. We are relieved from 
liability if you have already paid us for the disputed transaction. Any 
other disputes you must resolve directly with the merchant.

3.  Credits. If a merchant who honors your card gives you credit for returns 
or adjustments, he will do so by sending us a credit slip which we will 
post to your account. If your credits and payments exceed what you owe 
us, we will hold and apply this credit balance against future purchases 
and cash advances, or refund it on your written request if it is $1.00 or 
more. We will credit payments promptly as required by law so you avoid 
excess FINANCE CHARGES, but we reserve the right to delay restoring 
your credit limit or issuing a credit balance refund until final collection 
of non-cash items presented to pay your account.

M. GENERAL TERMS
The terms of this Agreement must be read together as part of the whole 
Agreement. When the singular is used, the plural is implied if there is more 
than one signer. If any part of this Agreement is found to be invalid, the 
other parts of this Agreement shall remain in effect. Applicable federal 
and California laws shall govern the interpretation of this Agreement.

ATM DISCLOSURE
This  part  of  the  Disclosure  includes  special  provisions  applicable  to  
the  use  of  the  Credit  Card  to  a  Visa  cash  advance  at  Automated  Teller 
Machines (ATMs). Please refer to your separate Electronic Funds Transfer 
disclosure for information on other ATM use.

AVAILABLE SERVICE
1. The  amount  and  number  of  ATM  transactions  you  can  make  may  be 

limited by the ATM you are using.

2. ATM service is generally available seven days a week, 24 hours a day.

DOCUMENTATION OF TRANSACTIONS
Cash advances made using an ATM will be shown on a transaction receipt 
dispensed by the ATM, and also on your periodic statement.

CREDIT UNION LIABILITY
If we do not properly complete a transaction according to our agreement 
with you, we will be liable for your direct losses or damages. However, 
there are some exceptions. We will not be liable if:
1.  Through no fault of ours, you do not have sufficient available credit to 

make the transaction

2.  The  ATM  system  was  not  working  properly  and  you  knew  about  the 

breakdown when you started the transaction

3.  The money in your account is subject to legal process or other claim
4.  Your PIN (personal identification number) has been reported missing 

and we have blocked its use

5.  Circumstances beyond our control, such as fire, flood, electrical failure, 
or  malfunction  of  the  central  data  processing  facility  prevent  the 
completion of the transaction despite our reasonable precautions; or 
there are other lawful exceptions established by the Credit Union and 
you are given proper advance notice of them. In no event will the Credit 
Union be liable for consequential indirect costs or damages.

SECURITY
Do not use an ATM machine unless it appears safe to do so. Do not key   
in your PIN if someone is looking. Be sure you take your card and receipt 
when you are done. Put your money away quickly and leave the site.

STATE AND LOCAL LAW
The following summary of your rights under federal law does not cover 
all rights you may have under state and local law. If, under state or local 
law, you have a longer period of time in statement, reliance on any such 
longer time period may result in your losing important rights which could 
be preserved by acting more promptly under federal law. State or local 
provisions, if any, only become operative upon the expiration of the time 
period provided by Federal Regulation Z for submitting a proper written 
notification of an error.

YOUR BILLING RIGHTS – KEEP THIS NOTICE FOR FUTURE USE
This  notice  contains  important  information  about  your  rights  and 
responsibilities under the Fair Credit Billing Act, Statement or Electronic 
Transfers. If you think your statement or other documentation is wrong, 
or if you need more information about a transaction on your statement, 
write us at the address listed on your statement. Write to us as soon as 
possible. We must hear from you no later than 60 days after we sent you 
the  first  statement  on  which  the  error  or  problem  appeared.  You  can 
telephone us at (888) 499-FIRE (3473), but doing so will not preserve your 
rights.

SEND YOUR QUESTIONS IN WRITING TO:

  3201 California Street, San Francisco CA 94118

IN YOUR LETTER, GIVE US THE FOLLOWING INFORMATION:

•  Your name and account number
•  The dollar amount of the suspected error
•  A description of the error and explanation of why you believe there 

is an error

If you need more information, describe the item you are not sure about.

HOW TO STOP PAYMENT OF A PRE-AUTHORIZED TRANSFER
If you have authorized us to make your Visa® payment automatically from 
your Credit Union Share or Checking Account, you can stop the payment 
on any amount you think is wrong. To stop payment, you must contact us 
three business days before the automatic payment is scheduled to occur. 
If you telephone your request we may require you to confirm your oral 
request in writing. If you fail to do so, your oral request will terminate   
14 days after it is made. If you order us to stop one of these payments 3 
business days or more before the transfer is scheduled, and we do not do 
so well, we will be liable for your losses or damages.

YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE 
RECEIVE YOUR WRITTEN NOTICE OF ERROR
We  must  acknowledge  your  letter  within  30  days,  unless  we  have 
corrected the error by then. Within 90 days, we must either correct the 
error  or  explain  why  we  believe  the  statement  was  correct.  After  we 
receive  your  letter,  and  if  you  have  not  yet  paid  the  disputed  amount,  
we  cannot  try  to  collect  any  amount  you  question,  or  report  you  as  
delinquent.  We  can  continue  to  bill  you  for  the  amount  you  question, 
including  FINANCE  CHARGES,  and  we  can  apply  any  unpaid  amount 
against your credit limit. You do not have to pay a questioned amount 
while we are investigating, but you are still obligated to pay the parts of 
your statement that are not in question. If we find that we made a mistake 
on  your  statement,  you  will  not  have  to  pay  any  FINANCE  CHARGES 
related to any questioned amount. If we did not make a mistake, you may 
have to pay FINANCE CHARGES, and you will have to make up any missed 

payments on the questioned amount. In either case, we will send you a 
statement of the amount you owe and the date that it is due.
If you fail to pay the amount that we think you owe, we may report you 
as delinquent. However, if our explanation does not satisfy you and you 
write us within 10 days telling us that you still refuse to pay, we must tell 
anyone we report you to that you have a question about your statement. 
And, we must tell you the name of anyone we reported you to. We must 
tell anyone we report you to that the matter has been settled between 
us when it finally is. If we do not follow these rules, we cannot collect the 
first $50.00 of the questioned amount, even if your statement was correct.

SPECIAL RULE FOR CREDIT CARD PURCHASES
If  you  have  a  problem  with  the  quality  of  goods  or  services  that  you 
purchased with a 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 property or services. There are two limita-
tions on this right:

   a. You must have made the purchase in your home state or, if not    
  within your home state within 100 miles of your current mailing   
  address.

  b. The purchase price must be more than $50.00. 

These limitations do not apply if we own or operate the merchant, or if we 
mailed you the advertisement for the property or services.

NOTICE TO CALIFORNIA RESIDENTS
1.  Under California law our right to recover credit extended to you for 
purchases is subject to any defenses that you have against the seller 
if:
a.  The purchase price for the item in question exceeded $50.00
b.  The purchase was made in California
c.  You made a written demand on the retailer and made a good faith 

attempt to get satisfaction of your complaint

d.  You  notify  us  in  writing,  of  the  name  of  the  seller,  the  date  of 
purchase,  the  price  paid,  the  goods  or  services  purchased,  the 
nature  of  your  defense,  and  the  acts  which  you  took  to  obtain  
satisfaction from the seller.

2.  The amount to which the defense applies is limited to the amount 
outstanding  on  the  purchase  as  well  as  late  charges  and  Finance 
charges at the time we receive your letter.

3.  This remedy is the only one you have against us. Your rights are limited 
to  those  circumstances  outlined  in  California  Civil  Code  Section 
1747.90. Purchases with cash or check are not included in this section 
even though you used your credit card to validate your credit.

4.  We  cannot  penalize  you  by  either  giving  out  unfavorable  credit  
information about you or canceling or refusing to renew your credit 
card solely because you obtained relief under the remedies you have 
for correcting billing errors.

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