10/25/21, 1 1:15 AM Consumer Credit Card Agreement And� | Listerhill Credit Union
https://listerhill.com/borrowing/credit-cards/consumer-credit-card-agreement-and-disclosure 1/24
Important
information about
your credit card.
Updated September 1, 2021Consumer
Credit Card
Agreement
And
Disclosur e 10/25/21, 1 1:15 AM Consumer Credit Card Agreement And� | Listerhill Credit Union
https://listerhill.com/borrowing/credit-cards/consumer-credit-card-agreement-and-disclosure 2/24This Consumer Credit Card Agreement and Disclosure
together with the Account Opening Disclosure and any
other Account opening documents or any subsequent
documents provided to You related to this Account
(hereinafter collectively referred to as �Agreement�)
govern the terms and conditions of this Account. �We,�
�Us,� �Our� and �Ours� and �Credit Union� refers to
Listerhill Credit Union with which this Agreement is
made. �You,� �Your,� and �Yours� refers to each applicant
and co-applicant for the Account; any person
responsible for paying the Account; and anyone You
authorize to use, access or service the Account. "Card"
means the Visa� credit card and any other access
devices, duplicates, renewals, or substitutions, including
convenience checks, the Credit Union issues to You.
"Account" means the line of credit established by this
Agreement 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 specic pledge of shares
by signing a separate pledge of shares, Your pledged 10/25/21, 1 1:15 AM Consumer Credit Card Agreement And� | Listerhill Credit Union
https://listerhill.com/borrowing/credit-cards/consumer-credit-card-agreement-and-disclosure 3/24shares will secure Your Account. You may not withdraw
amounts that have been specically 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 deposits in an IRA or any other
account 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.
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  � By using the Account or
keepingtheCard,Youagreetothetermsofthis 10/25/21, 1 1:15 AM Consumer Credit Card Agreement And� | Listerhill Credit Union
https://listerhill.com/borrowing/credit-cards/consumer-credit-card-agreement-and-disclosure 4/24keeping the Card, You agree to the terms of this
Agreement. You agree to use Your Account in
accordance with this Agreement. Your Account must
only be used for lawful transactions.
2. CREDIT LIMIT �  We may establish a credit limit as
part of this Agreement, which You promise not to
exceed. If You exceed the credit limit, You promise to
repay immediately the amount which exceeds the credit
limit, including amounts due to nance charges, fees or
other charges. You may request a credit limit increase on
Your Account only by a method acceptable to the Credit
Union. We may increase or decrease Your credit limit,
refuse to make an advance and/or terminate Your
Account at any time for any reason permitted by law.
3. CONVENIENCE CHECKS �  We may, from time to time,
issue convenience checks to You that may be drawn on
Your Account. Convenience checks may not be used to
make a payment on Your Account. If You use a
convenience check, it will be posted to Your Account as a
cash advance. We reserve the right to refuse to pay a
convenience check drawn on Your Account for any
reason and such refusal shall not constitute wrongful
dishonor. You may request that We stop the payment of
a convenience check drawn on Your Account. You agree
to pay any fee as identied in this Agreement imposed to
stop a payment on a convenience check issued on Your
Account. You may make a stop payment request orally, if
permitted, orinwriting.Yourrequestmustbemade 10/25/21, 1 1:15 AM Consumer Credit Card Agreement And� | Listerhill Credit Union
https://listerhill.com/borrowing/credit-cards/consumer-credit-card-agreement-and-disclosure 5/24permitted, or in writing. Your request must be made
with sucient time in advance of the presentment of the
check for payment to give Us a reasonable opportunity
to act on Your request. In addition, Your request must
accurately describe the check including the exact
Account number, the payee, any check number that may
be applicable, and the exact amount of the check. If
permitted, You may make a stop payment request orally
but such a request will expire after 14 days unless You
conrm Your request in writing within that time. Written
stop payment orders are eective only for six months
and may be renewed for additional six month periods by
requesting in writing that the stop payment order be
renewed. We are not required to notify You when a stop
payment order expires. If We re-credit Your Account
after paying a check over a valid and timely stop
payment order, You agree to sign a statement describing
the dispute with the payee, to assign to Us all of Your
rights against the payee or other holders of the check
and to assist Us in any legal action. You agree to
indemnify and hold Us harmless from all costs and
expenses, including attorney's fees, damages, or claims,
related to Our honoring Your stop payment request or in
failing to stop payment of an item as a result of incorrect
information provided to Us or the giving of inadequate
time to act upon a stop payment request. Note: A
convenience check is not a check as that term is dened
under the Uniform Commercial Code. It is an advance 10/25/21, 1 1:15 AM Consumer Credit Card Agreement And� | Listerhill Credit Union
https://listerhill.com/borrowing/credit-cards/consumer-credit-card-agreement-and-disclosure 6/24from Your credit card Account with Us and Your stop
payment rights are provided under this Agreement with
Us.
4. REPAYMENT �  You promise to repay all amounts You
owe under this Agreement. Your promise to repay
includes all transactions made to Your Account by You or
anyone You authorize to use Your Account as well as all
interest charges and fees. For each billing period, You
must pay at least the Minimum Payment Due by the
Payment Due Date. The Minimum Payment Due is 2.00%
of Your total New Balance, or $25.00, whichever is
greater, plus any amount past due and any amount by
which You have exceeded Your applicable credit limit. If
Your total New Balance is less 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 Balance
in full. If You make extra or larger payments, You are still
required to make at least the Minimum Payment Due
each month Your Account has a balance (other than a
credit balance). The Credit Union may delay replenishing
Your credit limit until the date the payment is posted or
the Credit Union conrms the payment has cleared. Your
payment of the required Minimum Payment Due may be
applied to what You owe the Credit Union in any manner
the Credit Union chooses, as permitted by applicable 10/25/21, 1 1:15 AM Consumer Credit Card Agreement And� | Listerhill Credit Union
https://listerhill.com/borrowing/credit-cards/consumer-credit-card-agreement-and-disclosure 7/24law. If You make a payment in excess of the required
Minimum Payment Due, the Credit Union will allocate
the excess amount rst to the balance with the highest
annual percentage rate (�APR�) and any remaining
portion to the other balances in descending order based
on applicable APR, unless otherwise prescribed by
applicable law. We may accept checks marked "payment
in full" or with words of similar eect without losing any
of Our rights to collect the full balance of Your Account
with Us.
5. INTEREST AND FINANCE CHARGES �  We will begin
charging You interest on purchases on the date the
transaction is posted to Your Account. We will begin
charging You interest on cash advances and balance
transfers on the date of the transaction or the rst day
of the billing cycle in which the transaction is posted to
Your Account, whichever is later (transaction date).
However, We will not charge You any interest on new
purchases if Your Account had a zero or credit balance at
the beginning of that billing cycle, or You paid the entire
new balance on the previous cycle's billing statement by
the Payment Due Date of that statement. To avoid an
additional nance charge on the balance 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: 10/25/21, 1 1:15 AM Consumer Credit Card Agreement And� | Listerhill Credit Union
https://listerhill.com/borrowing/credit-cards/consumer-credit-card-agreement-and-disclosure 8/24Interest charges on Your Account are calculated
separately for purchases, balance transfers and cash
advances (�Transaction Type�). We gure the interest
charge for each Transaction Type by applying the
periodic rate to each corresponding �average daily
balance.� To get the �average daily balance� for a
Transaction Type We take the beginning balance for that
Transaction Type each day, add any new transactions of
that type, and subtract any unpaid interest or other
nance charges and any applicable payments or credits.
This gives Us the daily balance for each Transaction
Type. Then, for each Transaction Type, We add up all the
daily balances for the billing cycle and divide each total
by the number of days in the billing cycle. This gives Us
the �average daily balance� for each Transaction Type.
6. FEES �  In addition to the periodic rate, additional fees
may be imposed on Your Account. If applicable to Your
Account, the fee amounts and explanations are
disclosed on the Account Opening Disclosure
accompanying this Agreement.
7. FOREIGN TRANSACTIONS �  Purchases and cash
advances made in foreign currencies will be debited
from Your Account in U.S. dollars. The exchange rate
between the transaction currency and the billing
currency used for processing international transactions
isarateselected byVisafromarangeofratesavailable 10/25/21, 1 1:15 AM Consumer Credit Card Agreement And� | Listerhill Credit Union
https://listerhill.com/borrowing/credit-cards/consumer-credit-card-agreement-and-disclosure 9/24is a rate selected by Visa from a range of rates available
in wholesale currency markets for the applicable
transaction date, which rate may vary from the rate Visa
itself receives, or the rate mandated by the government
or governing body in eect for the applicable transaction
date. The exchange rate used on the transaction date
may dier from the rate that would have been used on
the processing date or cardholder statement posting
date. A fee (nance charge), calculated in U.S. dollars, will
be imposed on all foreign transactions, including
purchases, cash advances, and credits to Your Account.
A foreign transaction is any transaction that You
complete or a merchant completes on Your Card outside
of the United States, with the exception of U.S. military
bases, U.S. territories, U.S. embassies, or U.S. consulates.
Transactions completed by merchants outside of the
United States are considered foreign transactions,
regardless of whether You are located inside or outside
the United States at the time of the transaction. The
Foreign Transaction Fee is set forth on the Account
Opening Disclosure accompanying this Agreement.
8. AUTHORIZATIONS � We do not guarantee
authorization of a transaction, either by Us or by a third
party, even if You have sucient credit available. You
agree that We will not be liable for failing to give an
authorization. We also reserve the right to limit the
number of transactions that may be approved in one
day. We reserve the right to deny certain transactions for 10/25/21, 1 1:15 AM Consumer Credit Card Agreement And� | Listerhill Credit Union
https://listerhill.com/borrowing/credit-cards/consumer-credit-card-agreement-and-disclosure 10/24any reason and at Our sole discretion, including for
default, suspected fraudulent or unlawful activity,
internet gambling or any indication of increased risk
related to the transaction or the Account. You agree that
We have no requirement to notify You of the specic
reason We denied a transaction. If We detect unusual or
suspicious activity, We may suspend Your credit
privileges until We can verify the activity, or We may
close the Account.
9. INFORMATION UPDATING SERVICE AND
AUTHORIZATIONS �  If You have authorized a merchant
to bill charges to Your Card on a recurring basis, it is
Your responsibility to notify the merchant in the event
Your Card is replaced, Your Account information (such as
Card number or expiration date) changes, or Your
Account is closed. However, if Your Card is replaced or
Your Account information changes, You authorize Us,
without obligation on Our part, to provide the updated
Account information to the merchant in order to permit
the merchant to bill recurring charges to Your Card. You
authorize Us to apply such recurring charges to Your
Card until You notify Us that You have revoked
authorization for the charges to Your Card. Your Card is
automatically enrolled in an information updating
service. Through this service, Your updated Account
information (such as Card number or expiration date)
may be shared with participating merchants to facilitate 10/25/21, 1 1:15 AM Consumer Credit Card Agreement And� | Listerhill Credit Union
https://listerhill.com/borrowing/credit-cards/consumer-credit-card-agreement-and-disclosure 11/24continued recurring charges. Updates are not
guaranteed before Your next payment to a merchant is
due. You are responsible for making direct payment until
recurring charges resume. To revoke Your authorization
allowing Us to provide updated Account information to a
merchant, please contact Us.
10. PREAUTHORIZED CHARGES �  We may suspend
preauthorized recurring charges with merchants if, for
example, Your Card is lost or stolen, You default, or We
change Your Account for any reason. If preauthorized
recurring charges are suspended, You are responsible
for making direct payment for such charges until You
contact the merchant to reinstate recurring charges.
11. DEFAULT �  You will be in default under this
Agreement if You fail to pay the Minimum Payment Due
by its Payment Due Date; pay by a check or similar
instrument that is not honored or that We must return
because it cannot be processed; pay by automatic debit
that is returned unpaid; make any false or misleading
statements in any credit application or credit update; le
for bankruptcy; or die. You will also be in default if You
fail to comply with the terms of this Agreement or any
other Agreement You have with Us. If You default, We
may close Your Account and require You to pay any
unpaid balance immediately, subject to applicable law. In
this Agreement and on Your Credit Card Application, You
gaveUsasecurityinterestinallindividual orjointshare 10/25/21, 1 1:15 AM Consumer Credit Card Agreement And� | Listerhill Credit Union
https://listerhill.com/borrowing/credit-cards/consumer-credit-card-agreement-and-disclosure 12/24gave Us a security interest in all individual or joint share
and/or deposit accounts with the Credit Union and
authorized Us, if You defaulted, to apply the balance in
these accounts to any amounts due. You agree We may
rely on Your agreement and authorization to, upon Your
default, apply any balance to any amounts due on Your
Account.
12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN
CARD NOTIFICATION � If You notice the loss or theft of
Your credit card or a possible unauthorized use of Your
Card, You should call Us immediately at 888-918-7819 or
800-239-6033 or write to Us at P.O. Box 566, Sheeld,
AL, 35660-0566. You will not be liable for any
unauthorized use that occurs after You notify Us. You
may, however, be liable for unauthorized use that occurs
before Your notice to Us. You will have no liability for
unauthorized use unless You are found to be fraudulent
or negligent in the handling of Your Account or Card. In
any case, Your liability for unauthorized transactions will
not exceed $50.
13. CHANGING OR TERMINATING YOUR ACCOUNT � As
permitted by law, the Credit Union may change the
terms of this Agreement and any attached Disclosure
from time to time. Notice of any change will be given in
accordance with applicable law. To the extent permitted
by law, changes to the Agreement may apply to Your
existing account balance as well as to future
transactions. Arizona, California, Idaho,Louisiana, New 10/25/21, 1 1:15 AM Consumer Credit Card Agreement And� | Listerhill Credit Union
https://listerhill.com/borrowing/credit-cards/consumer-credit-card-agreement-and-disclosure 13/24transactions. Arizona, California, Idaho, Louisiana, New
Mexico, Nevada, Texas, Washington, and Wisconsin
Residents - Either You, Your spouse or the Credit Union
may terminate this Agreement at any time, but
termination by You, Your spouse or the Credit Union will
not aect Your obligation to pay the account balance
plus any nance and other charges You or Your spouse
owe under this Agreement. Your obligation to pay the
account balance plus any nance and other charges You
owe under this agreement are subject to all applicable
laws and regulations regarding repayment
requirements. The Card or Cards You receive remain the
property of the Credit Union and You must recover and
surrender to the Credit Union all Cards upon request or
upon termination of this Agreement whether by You or
the Credit Union. Residents of all other states - Either
You or the Credit Union may terminate this Agreement
at any time, but termination by You or the Credit Union
will not aect Your obligation to pay the account balance
plus any nance and other charges You owe under this
Agreement. Your obligation to pay the account balance
plus any nance and other charges You owe under this
agreement are subject to all applicable laws and
regulations regarding repayment requirements. The
Card or Cards You receive remain the property of the
Credit Union and You must recover and surrender to the
Credit Union all Cards upon request or upon termination
of this Agreement whether by You or the Credit Union. 10/25/21, 1 1:15 AM Consumer Credit Card Agreement And� | Listerhill Credit Union
https://listerhill.com/borrowing/credit-cards/consumer-credit-card-agreement-and-disclosure 14/2414. AUTHORIZED USERS �  Upon Your request, We may
issue additional Cards for authorized users that You
designate. You must notify Us in writing of any
termination of an authorized user's right to access Your
Account. Your notice must include the name of the
authorized user and Your Account number and/or any
sub account number issued to the authorized user along
with the authorized user's Card and any convenience or
other access checks issued to the authorized user. If You
cannot return the authorized user's Card or access
checks and if You request Your Account to be closed, We
will close Your Account and You may apply for a new
Account. Alternatively, We may, at Our sole discretion,
issue You a new Account number and a new Card.
15. CREDIT REPORTS �  You authorize the Credit Union
to obtain credit reports and any other information We
may need to verify Your identity and use of the Account
when opening Your Account and for any update,
increase, renewal, extension, collection or review of Your
Account. You authorize the Credit Union to disclose
information regarding Your Account to credit bureaus
and creditors who inquire about Your credit standing.
16. JOINT ACCOUNTS �  If this is a joint Account, each of
You will be individually and jointly responsible for paying
all amounts owed under this Agreement. This means
thattheCreditUnioncanrequireanyoneofYou 10/25/21, 1 1:15 AM Consumer Credit Card Agreement And� | Listerhill Credit Union
https://listerhill.com/borrowing/credit-cards/consumer-credit-card-agreement-and-disclosure 15/24that the Credit Union can require anyone of You
individually to repay the entire amount owed under this
Agreement. Each of You authorizes the other(s) to make
transactions on the Account individually. Any one of You
may terminate the Account and the termination will be
eective as to all of You.
17. EFFECT OF AGREEMENT �  This Agreement is the
contract which applies to all transactions on Your
Account even though the sales, cash advances, credit or
other slips You sign or receive may contain dierent
terms.
18. SEVERABILITY AND FINAL EXPRESSION �  This
Agreement is the nal expression of the terms and
conditions of Your Account. This written Agreement may
not be contradicted by evidence of any alleged oral
Agreement. Should any part of this Agreement be found
to be invalid or unenforceable, all other parts of this
Agreement shall remain in eect and fully enforceable to
the fullest extent possible under this Agreement.
19. ILLEGAL TRANSACTIONS PROHIBITED �  You agree
that You will not use Your Card for any transaction,
including any type of electronic gambling transaction
through the Internet, that is illegal under applicable
federal, state, or local law. Even if You use Your Card for
an illegal transaction, You will be responsible for all
amounts and charges incurred in connection with the
transaction. This paragraph shall not be interpreted as 10/25/21, 1 1:15 AM Consumer Credit Card Agreement And� | Listerhill Credit Union
https://listerhill.com/borrowing/credit-cards/consumer-credit-card-agreement-and-disclosure 16/24permitting or authorizing any transaction that is illegal.
20. APPLICABLE LAW �  The terms and enforcement of
this Agreement shall be governed by federal law and the
law of Alabama.
21. ENFORCING THIS AGREEMENT �  We can delay in
enforcing or fail to enforce any of Our rights under this
Agreement without losing them.
22. COLLECTION COSTS �  If We refer collection of Your
Account to an attorney who is not Our salaried
employee, You are liable for any reasonable attorney�s
fees, plus the costs and expenses of any legal action, as
further disclosed in this Agreement, or to the extent
allowed by law.
23. ASSIGNMENT �  We may assign any or all of Our
rights and obligations under this Agreement to a third
party.
24. CALIFORNIA RESIDENTS �  A married applicant may
apply for a separate Account. Applicants: 1) may, after
credit approval, use the credit card Account up to its
credit limit; 2) may be liable for amounts extended under
the plan to any joint applicant. As required by law, You
are hereby notied that a negative credit report
reecting on Your credit record may be submitted to a
credit reporting agency if You fail to fulll the terms of
Your credit obligations. 10/25/21, 1 1:15 AM Consumer Credit Card Agreement And� | Listerhill Credit Union
https://listerhill.com/borrowing/credit-cards/consumer-credit-card-agreement-and-disclosure 17/2425. FLORIDA RESIDENTS �  You (borrower) agree that,
should We obtain a judgment against You, a portion of
Your disposable earnings may be attached or garnished
(paid to Us by Your employer), as provided by Florida
and Federal law.
26. MARYLAND RESIDENTS �  To the extent, if any, that
Maryland law applies to Your Account, We elect to oer
Your Card Account pursuant to Title 12, Subtitle 9 of the
Maryland Commercial Law Article.
27. MISSOURI RESIDENTS �  Oral Agreements or
commitments to loan money, extend credit or to forbear
from enforcing repayment of a debt including promises
to extend or renew such debt are not enforceable. To
protect You (borrower(s)) and Us (creditor) from
misunderstanding or disappointment, any Agreements
We reach covering such matters are contained in this
writing, which is the complete and exclusive statement
of the Agreement between Us, except as We may later
agree in writing to modify it.
28. NEW YORK RESIDENTS �  We may obtain a credit
report in connection with this Account, including for any
review, modication, renewal or collections associated
with this Account. Upon Your request, You will be
informed whether such report was requested and, if so,
the name and address of the consumer reporting agency 10/25/21, 1 1:15 AM Consumer Credit Card Agreement And� | Listerhill Credit Union
https://listerhill.com/borrowing/credit-cards/consumer-credit-card-agreement-and-disclosure 18/24furnishing the report. New York residents may contact
the New York State Department of Financial Services at
800.342.3736 or www.dfs.ny.gov to obtain a comparative
listing of credit card rates, fees and grace periods.
29. OHIO RESIDENTS �  The Ohio laws against
discrimination require that all creditors make credit
equally available to all creditworthy customers and that
credit reporting agencies maintain separate credit
histories on each individual upon request. The Ohio Civil
Rights Commission administers compliance with this law.
30. SOUTH DAKOTA RESIDENTS �  If You believe there
have been any improprieties in making this loan or in the
lender�s loan practices, You may contact the South
Dakota Division of Banking at 1601 N. Harrison Ave,
Suite 1, Pierre, SD 57501, or by phone at 605.773.3421.
31. WISCONSIN RESIDENTS �  If You are married, please
contact Us immediately upon receipt of this Agreement
at the address or phone number listed on this
Agreement and provide Us with the name and address
of Your spouse. We are required to inform Your spouse
that We have opened an Account for You.
32. NOTICE TO UTAH BORROWERS �  This written
Agreement is a nal expression of the Agreement
between You and the Credit Union. This written
Agreement may not be contradicted by evidence of any
oralAgreement. Asrequired bylaw,Youarehereby 10/25/21, 1 1:15 AM Consumer Credit Card Agreement And� | Listerhill Credit Union
https://listerhill.com/borrowing/credit-cards/consumer-credit-card-agreement-and-disclosure 19/24oral Agreement. As required by law, You are hereby
notied that a negative credit report reecting on Your
credit record may be submitted to a credit reporting
agency if You fail to fulll the terms of Your credit
obligations.
33. 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.
34. ARBITRATION �  The requirement to arbitrate and
waiver of class action will not apply if You are a Covered
Borrower under the Military Lending Act. Any
controversy or claim arising out of or relating to Your
Account(s) or loan(s), except mortgage loans or as
otherwise prohibited by law, shall be settled by binding
arbitration. You further agree that any such arbitration
shall take place in Colbert County, Alabama. Judgment
upon any award rendered by the arbitrator may be
entered by any court having jurisdiction thereof. The
arbitrator shall determine the prevailing party, and the
costs and expenses of the arbitration proceeding,
including the arbitrator�s fees, shall be borne by the non-
prevailing party, unless otherwise required by law. No
provision of this Agreement, nor the exercise of any right
under this Agreement, shall waive the arbitration
requirement orlimittherightoftheCreditUnionto:(1) 10/25/21, 1 1:15 AM Consumer Credit Card Agreement And� | Listerhill Credit Union
https://listerhill.com/borrowing/credit-cards/consumer-credit-card-agreement-and-disclosure 20/24requirement or limit the right of the Credit Union to: (1)
obtain provisional or ancillary remedies, such as
injunctive relief, writ of attachment, or protective order
from a court having jurisdiction before, during, or after
the pendency of any arbitration; (2) exercise self-help
remedies, such as set-o, (3) exercise any other rights
under this Agreement upon the breach of any term or
condition herein; or, (4) to proceed with collection of the
Account through all other legal methods, including, but
not limited to, proceeding in court to obtain judgment.
Any and all arbitration under this contract will take place
on an individual basis; class arbitrations and class
actions are not permitted. YOU FURTHER AGREE THAT
YOU ARE WAIVING THE RIGHT TO TRIAL BY JURY AND TO
PARTICIPATE IN A CLASS ACTION.
Your Billing Rights: Keep this
Document for  Futur e 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
If You think there is an error on Your statement, write to
Us at the address listed on Your statement. In Your
letter, give Us the following information:
- Account information:  Your name and Account number. 10/25/21, 1 1:15 AM Consumer Credit Card Agreement And� | Listerhill Credit Union
https://listerhill.com/borrowing/credit-cards/consumer-credit-card-agreement-and-disclosure 21/24- Dollar amount:  The dollar amount of the suspected
error.
- Description of problem:  If You think there is an error
on Your bill, describe what You believe is wrong and why
You believe it is a mistake.
You must contact Us:
- Within 60 days after the error appeared on Your
statement.
- At least three business days before an automated
payment is scheduled, if You want to stop payment on
the amount You think is wrong.
You must notify Us of any potential errors in writing  or
electronically. You may call Us, but if You do We are not
required 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 30 days of receiving Your letter, We must tell
You that We received Your letter. We will also tell You if
We have already corrected the error.
2. Within 90 days of receiving Your letter, We must either
correct the error or explain to You why We believe the 10/25/21, 1 1:15 AM Consumer Credit Card Agreement And� | Listerhill Credit Union
https://listerhill.com/borrowing/credit-cards/consumer-credit-card-agreement-and-disclosure 22/24bill is 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.
- We can apply any unpaid amount against Your credit
limit.
After We nish Our investigation, one of two things will
happen:
- If We made a mistake:  You will not have to pay the
amount in question or any interest or other fees related
to that amount.
- If We do not believe there was a mistake:  You will
have to pay the amount in question, along with
applicable interest and fees. We will send You a
statement of the amount You owe and the date payment
is due. We may then report You as delinquent if You do
not pay the amount We think You owe. 10/25/21, 1 1:15 AM Consumer Credit Card Agreement And� | Listerhill Credit Union
https://listerhill.com/borrowing/credit-cards/consumer-credit-card-agreement-and-disclosure 23/24If You receive Our explanation but still believe Your bill is
wrong, You must write to Us within 10 days telling Us
that You still refuse to pay. If You do so, We cannot
report You as delinquent without also reporting that You
are questioning Your bill. We must tell You the name of
anyone to whom We reported You as delinquent, and
We must let those organizations know when the matter
has been settled between Us.
If We do not follow all of the rules above, You do not
have to pay the rst $50 of the amount You question
even if Your bill is correct.
Your Rights if You Are Dissatised With Your Credit
Card Purchases
If You are dissatised with the goods or services that You
have purchased with Your credit card, and You have
tried in good faith to correct the problem with the
merchant, You may have the right not to pay the
remaining amount due on the purchase.
To use this right, all of the following must be true:
1. The purchase must have been made in Your home
state or within 100 miles of Your current mailing
address, and the purchase price must have been more
than $50. (Note: Neither of these are necessary if Your 10/25/21, 1 1:15 AM Consumer Credit Card Agreement And� | Listerhill Credit Union
https://listerhill.com/borrowing/credit-cards/consumer-credit-card-agreement-and-disclosure 24/24purchase was based 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 Your credit card for the purchase.
Purchases made with cash advances from an ATM or
with a check that accesses Your credit card Account do
not qualify.
3. You must not yet have fully paid for the purchase.
If all of the criteria above are met and You are still
dissatised with the purchase, contact Us in writing  or
electronically at the address listed on Your statement.
While We investigate, the same rules apply to the
disputed amount as discussed above. After We nish
Our investigation, We will tell You Our decision. At that
point, if We think You owe an amount and You do not
pay, We may report You as delinquent.