�CUNA Mutual Group 1991, 2006, 09, 10, 12, 14 All R ights Reserved DNYWG1 (MXC502 CCM003)-e 
     
CONSUMER CREDIT CARD AGREEMENT 
In this Agreement, �Agreement� means this Consumer Credit Card  Agreement. �Disclosure� means the Credit Card 
Account Opening Disclosure. The Account Opening Dis closure is incorporated into this Consumer Credit C ard Agreement 
and is part of the Agreement. In this Agreement the  words "you," �your,� and "yours" mean each and all of those who 
agree to be bound by this Agreement; "card" means t he Visa/MasterCard credit card and any duplicates, ren ewals, or 
substitutions the Credit Union issues to you; "acco unt" means your Visa/MasterCard credit card line-of -credit account with 
the Credit Union; and "Credit Union" means the Credit Un ion whose name appears on this Agreement or anyone to whom 
the Credit Union transfers this Agreement. 
1. USING YOUR ACCOUNT �  If you are approved for an account, the Credit Uni on will establish a line of credit for you. 
You agree that your credit limit is the maximum amount (p urchases, cash advances, finance charges, plus "other 
charges") which you will have outstanding on your account at any time. Unless  disclosed otherwise, the Credit Union will 
not allow advances over the credit limit. If the Cr edit Union has a program whereby it allows payment of advances that 
exceed your credit limit, subject to a fee, the Cre dit Union will provide you with notice, either orally, in writing, or 
electronically (notwithstanding the requirements of the par agraph entitled �Statements and Notices�) explaining your right 
to opt in to the Credit Union�s program whereby it will honor advance requests ov er the credit limit. In the event you opt in 
to such a program, you agree to the terms of such a  program. You may request an increase in your credit limit only by a 
method acceptable to the Credit Union. The Credit Union  may increase or decrease your credit limit, refuse t o make an 
advance and/or terminate your account at any time f or any reason not prohibited by law. If you are permitted  to obtain 
cash advances on your account, we may, from time to time, issue c onvenience checks to you that may be drawn on your 
account. Convenience checks may not be used to make a payment  on your account balance. 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 co nvenience check 
drawn on your account for any reason and such refus al shall not constitute wrongful dishonor. 
You may request that we stop the payment of a conve nience check drawn on your account. You agree to pa y any fee 
imposed to stop a payment on a convenience check issued o n your account. You may make a stop payment request 
orally, if permitted, or in writing. Your request m ust be made with sufficient time in advance of the presentment of the 
check for payment to give us a reasonable opportuni ty to act on your request. In addition, your request must accu rately 
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 ma ke a stop payment request orally but such a request  will expire after 
14 days unless you confirm your request in writing within that time. Written stop payment orders are effective only for six 
months and may be renewed for additional six month periods by requesting in writing that the stop payment o rder be 
renewed. We are not required to notify you when a s top payment order expires. If we re-credit your acco unt after paying a 
check or draft over a valid and timely stop payment order, you agree to sign a statem ent describing the dispute with the 
payee, to assign to us all of your rights against t he payee or other holders of the check or draft and  to assist us in any 
legal action. You agree to indemnify and hold us ha rmless from all costs and expenses, including attorney's fees, 
damages, or claims, related to our honoring your stop paymen t request or in failing to stop payment of an item as a result 
of incorrect information provided to us or the givi ng of inadequate time to act upon a stop payment request.  
2. USING YOUR CARD �  You understand that the use of your credit card or credit card a ccount will constitute 
acknowledgement of receipt and agreement to the ter ms of the Credit Card Agreement and Credit Card Acco unt Opening 
Disclosure (Disclosure). You may use your card to m ake purchases from merchants and others who accept your card. 
The credit union is not responsible for the refusal of any merch ant or financial institution to honor your card. If you wish to 
pay for goods or services over the Internet, you ma y be required to provide card number security informa tion before you 
will be permitted to complete the transaction. In addition , you may obtain cash advances from the Credit Union , from other 
financial institutions that accept your card, and from some  automated teller machines (ATMs). (Not all ATMs ac cept your 
card.) If the credit union authorizes ATM transactions wit h your card, it will issue you a personal identific ation number 
(PIN). To obtain cash advances from an ATM, you mus t use the PIN issued to you for use with your card. You ag ree that 
you will not use your card for any transaction that  is illegal un der applicable federal, state, or local law. Even if you use 
your card for an illegal transaction, you will be responsible for all amounts and c harges incurred in connection with the 
transaction. If you are permitted to obtain cash advanc es on your account, you may also use your card to purchase 
instruments and engage in transactions that we cons ider the equivalent of cash. Such transactions will  be posted to your 
account as cash advances and include, but are not l imited to, wire transfers and money orders. This pa ragraph shall not 
be interpreted as permitting or authorizing any transaction that is illegal. 
3. PROMISE TO PAY �  You promise to pay all charges (purchases, cash ad vances, balance transfers, use of 
convenience checks or any other charge) made to you r account by you or anyone you authorize to use your accoun t. You 
also promise to pay all finance charges and other c harges added to your account under the terms of thi s Agreement or  DNYWG1 (MXC502 CCM003)-e another agreement you made with the Credit Union. If thi s is a joint account, the paragraph on JOINT ACCOUNTS also 
applies to your account. 
4. PERIODIC RATES �  The periodic rates applicable to purchases, cash adv ances, and balance transfers are 
disclosed on the Disclosure that accompanies this A greement. Any penalty rate that may be imposed for failing to make a 
payment by the payment due date is also disclosed o n the Disclosure. Any rate change will be made purs uant to 
applicable law. If the rate for your account is var iable, as indicated on the accompanying Disclosure,  the rate charged on 
purchases, cash advances, balance transfers and any  penalty rate will vary periodically as disclosed in the Disclo sure 
accompanying this Agreement. The initial rate on yo ur account for certain types of transactions may be an introductory 
discounted rate (Introductory Rate) that is lower t han the rate that would ordinarily apply for that t ype of transaction. If an 
Introductory Rate applies to your account, the rate s and the period of time it will be effective is shown on the Disclosure 
accompanying this Agreement. After the Introductory  Rate period expires, the periodic rate will automa tically increase to 
the rates that would ordinarily apply for that type  of transaction based on the terms of this Agreemen t.  
5. FINANCE CHARGES �  New purchases posted to your account during a bill ing cycle will not incur a finance charge 
for that billing cycle if you had a zero or credit balance a t the beginning of that billing cycle, or you paid t he entire new 
balance on the previous cycle's billing statement b y the payment due date of that statement; otherwise a finance charge 
will accrue from the date a purchase is posted to your account. To avoid  an additional finance charge on the balance of 
purchases, you must pay the entire new balance on t he billing statement by the payment due date of tha t statement. A 
finance charge begins to accrue on cash advances fr om the date you get the cash advance or from the fi rst day of the 
billing cycle in which the cash advance is posted t o your account, whichever is later (transaction dat e). To avoid an 
additional finance charge on the balance of cash ad vances, you must pay the entire new balance on the b illing statement 
by the payment due date of that statement. 
The finance charge is calculated separately for purchases and cash adv ances. For purchases, the finance charge is 
computed by applying the periodic rate to the avera ge daily balance of purchases. To calculate the average daily ba lance 
of purchases, we take the beginning outstanding bal ance of purchases each day, add any new purchases, and subtract 
any payments and/or credits. This gives us the dail y balance of purchases. We then add all of the dail y balances of 
purchases for the billing cycle together and divide  the total by the number of days in the billing cycle. This gives us th e 
average daily balance of purchases.  
For cash advances, the finance charge is computed b y applying the periodic rate to the average daily b alance of cash 
advances. To calculate the average daily balance of cash advances, we take the beginning outstanding balance of cash 
advances each day, add in any new cash advances, an d subtract any payments and/or credits that we apply to the c ash 
advance balance. This gives us the daily balance of  cash advances. We then add all of the daily balances of cash 
advances for the billing cycle together and divide the total  by the number of days in the billing cycle. This gi ves us the 
average daily balance of cash advances. Balance transfe rs are calculated in the same manner as cash advanc es. 
6. FOREIGN TRANSACTIONS � 
Visa. Purchases and cash advances made in foreign currenc ies will be debited from your account in U.S. dolla rs. The 
exchange rate between the transaction currency and the billing currenc y used for processing international transactions is  
a rate selected by Visa from a range of rates avail able in wholesale currency markets for the applicab le central processing 
date, which rate may vary from the rate Visa itself  receives or the government-mandated rate in effect for the  applicable 
central processing date. The exchange rate used on the processing date may differ from the rate that w ould have been 
used on the purchase date or cardholder statement p osting date.  
A fee (finance charge), calculated in U.S. dollars, will be imposed on all foreign transactions, including purchases, cash 
advances and credits to your account. A foreign tra nsaction is any transaction that you complete or a merchant complete s 
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. The Foreign Transaction Fee is set  forth on the Di sclosure accompanying this Agreement. 
MasterCard. Purchases and cash advances made in foreign currenc ies will be debited from your account in U.S. dolla rs. 
The exchange rate used to convert foreign currency transa ctions to U.S. dollars is either a government-mandated 
exchange rate or a wholesale exchange rate and is s elected by MasterCard. The rate MasterCard uses for a particular 
transaction is the rate MasterCard selects for the applicable currency on the day the transaction is p rocessed. This rate 
may differ from the rate applicable on the date the transac tion occurred or was posted to your account. 
A fee (finance charge) will be charged on all transactions completed outside of the United St ates, where the cardholder�s 
country code differs from the merchant�s country code. All fees are calculated based on the transaction amount after it is 
converted to U.S. dollars. These fees are charged e xcept where excluded. The Foreign Transaction Fee i s set forth on the 
Disclosure accompanying this Agreement. 
7. FEES �  In addition to the periodic rate, the following ad ditional fees may be imposed on your account. If ap plicable to 
your account, the fee amounts and explanations are disclosed on the Disclosure accompanying this Agree ment. Your 
account may also be subject to additional fees as set for th on the Disclosure accompanying this Agreement. 
a. Annual Fee.  If your account is subject to an Annual Fee, the f ee will be charged to your account. The fee may be 
charged each year until your account is closed and/ or paid in full.  DNYWG1 (MXC502 CCM003)-e b. Balance Transfer Fee (Finance Charge).  If your account is subject to a Balance Transfer Fee (finance charge ), the 
fee as disclosed on the Disclosure accompanying this Agreement will be charged to your account when you transfer a  
balance from an account of another creditor to the account subject to this Agreement. 
c. Cash Advance Fee (Finance Charge).  If your account is subject to a Cash Advance Fee ( finance charge), the fee 
will be charged to your account when you obtain a c ash advance from an ATM, the Credit Union or other financial 
institution. 
d. Foreign Transaction Fee (Finance Charge).  If your account is subject to a Foreign Transaction Fee (finance 
charge), a fee may be charged to your account for transactions m ade outside of the United States or in a foreign currenc y.  
e. Late Payment Fee.  If your account is subject to a Late Payment Fee, the fee will be charged to your account when 
you do not make the required minimum payment by or with in the number of days of the statement Payment Due Date se t 
forth on the Disclosure accompanying this Agreement. 
f. Returned Payment Fee.  If your account is subject to a Returned Payment F ee, the fee will be charged to your 
account when a payment is returned for any reason. 
g. Statement Copy Fee.  If your account is subject to a Statement Copy Fee,  except as limited by applicable law and 
when the request is made in connection with a billi ng error made by the Credit Union, a fee may be cha rged to your 
account for each copy of a sales draft or statement  that you request. 
h. Document Copy Fee.  If your account is subject to a Document Copy Fee, except as limited by applicable law, a fee 
may be charged to your account for each copy of a sales draft or statement that you request (except when the request is 
made in connection with a billing error made by the  Credit Union). 
i. Rush Fee.  If your account is subject to a Rush Fee, except a s limited by applicable law, a fee may be charged t o your 
account for each rush card that you request, providing delivery o f the card is also available by standard mail service, 
without paying a fee for delivery. 
j. Emergency Card Replacement Fee.  If your account is subject to an Emergency Card Re placement Fee, a fee will 
be charged to your account for each emergency repla cement card that is issued to you. 
k. Card Replacement Fee.  If your account is subject to the Card Replacement F ee, a fee will be charged to your 
account as disclosed on the Disclosure accompanying  this Agreement. 
8. PAYMENTS �  Each month you must pay at least the minimum payme nt shown on your statement by the date 
specified on the statement. You may pay more freque ntly, pay more than the minimum payment or pay the total new 
balance in full. If you make extra or larger paymen ts, you are still required to make at least the mini mum payment each 
month your account has a balance (other than a cred it balance). The minimum payment is 2.00% of your t otal new 
balance, or $25.00, whichever is greater, plus the amount of any prior minimum payments that you have not made, all 
outstanding unpaid fees and charges, and any amount  you are over your credit limit by the date specified on the 
statement. The Credit Union also has the right to d emand immediate payment of any amount by which you are over your 
credit limit. In accordance with applicable law, th e Credit Union may not post payments to your accoun t or reflect them in 
your available credit limit on the date they are received.  The Credit U nion may delay replenishing your credit limit until the 
date the payment is posted or the Credit Union confirms the payment has cleared.  
9. PAYMENT ALLOCATION �  Subject to applicable law, your payments may be appli ed to what you owe the Credit 
Union in any manner the Credit Union chooses. Howev er, in every case, in the event you make a payment in excess of 
the required minimum periodic payment, the Credit U nion will allocate the excess amount first to the balance w ith the 
highest annual percentage rate and any remaining po rtion to the other balances in descending order bas ed on applicable 
annual percentage rate.  
10. SECURITY INTEREST �  You grant the Credit Union a security interest under the Uniform Comm ercial Code and 
under any common law rights the Credit Union may ha ve in any goods you purchase. If you give the Credi t Union a 
specific pledge of shares by signing a separate ple dge of shares, your pledged shares will secure your  account. You may 
not withdraw amounts that have been specifically pledged  to secure  your account until the Credit Union agrees to release 
all or part of the pledged amount.  
Your Account is secured by all other shares you hav e in any individual or joint account with the Credit  Union, 
except for shares in an Individual Retirement Account or in any other a ccount that would lose special tax 
treatment under state or federal law if given as securit y. These other shares may be withdrawn 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. 
Collateral securing other loans you have with the C redit 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.  
11. DEFAULT �  You will be in default if you fail to make any min imum payment or other required payment by the date 
that it is due. You will be in default if you break  any promise you make under this Agreement. You will b e in default if you 
die, file for bankruptcy or become insolvent, that is, unable to pay your obligations when they become due. You will be in  DNYWG1 (MXC502 CCM003)-e default if you make any false or misleading stateme nts in any credit application or credit update. You wil l also be in default 
if something happens that the Credit Union believes  may substantially reduce your ability to repay wha t you owe. 
When you are in default, the Credit Union has the right to d emand immediate payment of your full account balance 
without giving you notice. If immediate payment is de manded, you agree to continue paying finance charges at the 
periodic rate charged before default, until what yo u owe has been paid, and any shares that were given a s security for 
your account may be applied towards what you owe. 
12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD  NOTIFICATION � 
Visa. You agree to notify us immediately, orally or in wr iting, at Customer Service, PO Box 3112, Tampa, FL 33631-3112  
or telephone (800) 449-7728 seven (7) days a week, 24 hours a day or (914) 921-1750 seven (7) days a week,  24 hours a 
day, of the loss, theft, or unauthorized use of you r credit card. You may be liable for the unauthorized use of your credit 
card. You will not be liable for unauthorized use that o ccurs after you notify us of the loss, theft, or po ssible unauthorized 
use. You will have no liability for unauthorized tr ansactions made with your credit card, unless you a re grossly negligent in 
the handling of your card. In any case, your liability will not exc eed $50.00. 
MasterCard. You agree to notify us immediately, orally or in wr iting, at Customer Service, PO Box 3112, Tampa, FL 
33631-3112 or telephone (800) 449-7728 seven (7) da ys a week, 24 hours a day or (914) 921-1750 seven ( 7) days a 
week, 24 hours a day, of the loss, theft, or unauth orized use of your credit card. You may be liable f or the unauthorized 
use of your credit card. You will not be liable for unauthorized use that occurs after you notify us of th e loss, theft, or 
possible unauthorized use. However, if you exercise reasonable care i n safeguarding your card from risk of loss or theft 
and, upon discovering the loss or theft promptly re port the loss or theft to us, you will not be liabl e for any unauthorized 
transactions. In any case, your liability will not exceed $50.00.  
13. CHANGING OR TERMINATING YOUR ACCOUNT �  As permitted by law, the Credit Union may change t he terms 
of this Agreement and any attached Disclosure from time to time. Notice of any change will be given in  accordance with 
applicable law. If permitted by law and specified in th e notice to you, the change will apply to your exis ting account 
balance as well as to future transactions. 
Either you or the Credit Union may terminate this Ag reement at any time, but termination by you or the Credit Union will 
not affect your obligation to pay the account balance plus any finance and other charges you owe under this Ag reement. 
Your obligation to pay the account balance plus any  finance and other charges you owe under this agree ment are subject 
to all applicable laws and regulations regarding repayment  requirements. You are also responsible for all tran sactions 
made to your account after termination, unless the transactions were unauthorized. 
The card or cards you receive remain the property o f the Credit Union and you must recover and surrender t o the Credit 
Union all cards upon request or upon termination of  this Agreement whether by you or the Credit Union.  If this is a joint 
account, the paragraph on JOINT ACCOUNTS of this Ag reement also applies to termination of the account.  
14. CHANGING OR TERMINATING AUTHORIZED USERS �  Upon your request, we may issue additional cards f or 
authorized users that you designate. You must notif y us in writing of any termination of an authorized user' s right to 
access your account. Your letter must include the n ame of the authorized user and your account number and/or any 
subaccount number issued to the authorized user alo ng with the authorized user's card and any convenie nce 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 a ccount and you may apply for a new account. 
15. CREDIT REVIEW AND RELEASE OF INFORMATION �  You authorize the Credit Union to investigate your  credit 
standing when opening or reviewing your account. Yo u authorize the Credit Union to disclose information regardi ng your 
account to credit bureaus and creditors who inquire about your credit standing. If your account is eligible for emerge ncy 
cash and/or emergency card replacement services, an d you request such services, you agree that we may provide 
personal information about you and your account tha t is necessary to provide you with the requested ser vice(s). 
16. RETURNS AND ADJUSTMENTS �  Merchants and others who honor your card may give credit for returns or 
adjustments, and they will do so by sending the Cre dit Union a credit slip which will be posted to you r account. If your 
credits and payments exceed what you owe the Credit Union, the amount  will be applied against future purchases and 
cash advances. If the credit balance amount is $1.00 or mo re, it will  be refunded upon your written request or 
automatically after six months. 
17. ADDITIONAL BENEFITS/CARD ENHANCEMENTS �  The Credit Union may from time to time offer addit ional 
services to your account, such as travel accident i nsurance, at no additional cost to you. You understand  that the Credit 
Union is not obligated to offer such services and m ay withdraw or change them at any time. 
18. MERCHANT DISPUTES �  The Credit Union is not responsible for the refusa l of any merchant or financial institution 
to honor your card. The Credit Union is subject to claims and defenses (other than tort claims) arising out of go ods or 
services you purchase with the card if you have made a good faith atte mpt but have been unable to obtain satisfaction 
from the merchant or service provider, and (a) your  purchase was made in response to an advertisement the Credit Union 
sent or participated in sending to you; or (b) your purchase co st more than $50.00 and was made in your state or within 
100 miles of your home.  DNYWG1 (MXC502 CCM003)-e 19. JOINT ACCOUNTS �  If this is a joint account, each of you will be in dividually and jointly responsible for paying all 
amounts owed under this Agreement. This means that the Credit Union can req uire any one of you individually to repay 
the entire amount owed under this Agreement. Each of you authorizes the other(s) to make purchases or cash advances 
individually. Any one of you may terminate the acco unt and the termination will be effective as to all  of you. 
20. EFFECT OF AGREEMENT �  This Agreement is the contract which applies to al l transactions on your account even 
though the sales, cash advances, credit or other slips you sign or receiv e may contain different terms. 
21. NO WAIVER �  The Credit Union can delay enforcing any of its ri ghts any number of times without losing them. 
22. STATEMENTS AND NOTICES �  Statements and notices will be mailed or delivered t o you at the appropriate 
address you have given the Credit Union. Notice sen t to any one of you will be considered notice to al l.  
23. SEVERABILITY AND FINAL EXPRESSION �  This Agreement and the Disclosure are the final expression of the 
terms and conditions of your account. This written Agreement a nd Disclosure may not be contradicted by evidence o f any 
alleged oral agreement. Should any part of this Agreement or the Disclosure be found t o be invalid or unenforceable, all 
other parts of this Agreement and Disclosure shall remain in effect and fully enforceable to the fulle st extent possible 
under this Agreement. 
24. COPY RECEIVED �  You acknowledge that you have received a copy of thi s Agreement and Disclosure. 
25. GAMBLING TRANSACTIONS PROHIBITED �  You may not use your card to initiate any type of gambling 
transaction. 
26. PENALTY RATE DISCLOSURES �  If applicable to your account, all rates for your account, including the rates for 
purchases, cash advances, and balance transfers, will increase to the Penalty Rate when you meet one or more of the 
conditions as set forth in the Disclosure accompanying this Agreement. Any rate increases applied to your account are 
subject to applicable notice requirements. Please r efer to the Disclosure for additional information regarding the Penalty 
Rate. 
27. VOLUNTARY PAYMENT PROTECTION �  We may offer Voluntary Payment Protection to you. Voluntary Payment 
Protection is not necessary to obtain credit. If yo u purchase Voluntary Payment Protection from us, you autho rize us to 
add the fees or insurance charges monthly to your l oan balance and charge you interest on the entire b alance. At our 
option we will change your payment or the period of  time necessary to repay the loan balance. The rate  used to determine 
the fees or insurance charges may change in the fut ure. If the rate changes, we will provide any notic es required by 
applicable law.  
28. NOTICE TO UTAH BORROWERS �  This written agreement is a final expression of th e agreement between you and 
the Credit Union. This written agreement may not be contrad icted by evidence of any oral agreement. 
29. THE FOLLOWING IS REQUIRED BY VERMONT LAW � NOTI CE TO CO-SIGNER � YOUR SIGNATURE ON 
THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF T HIS LOAN. IF THE BORROWER 
DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLE CT FROM YOU.  DNYWG1 (MXC502 CCM003)-e Your Billing Rights: Keep this Document for Future Use 
This notice tells you about your rights and our res ponsibilities 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. 
 - 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 stateme nt. 
 - At least 3 business days before an automated payment i s scheduled, if you want to stop payment on the amo unt 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 ar e not required to 
investigate any potential errors and you may have t o 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 yo u that we received your letter. We will also tell y ou if we have 
already corrected the error. 
 2. Within 90 days of receiving your letter, we mus t either correct the error or explain to you why we  believe the bill is 
correct.  
While we investigate whether or not there has been an error: 
 - We cannot try to collect the amount in question, o r report you as delinquent on that amount. 
 - The charge in question may remain on your statem ent, and we may continue to charge you interest on that a mount. 
 - While you do not have to pay the amount in quest ion, you are responsible for the remainder of your balan ce. 
 - We can apply any unpaid amount against your cred it limit.  
After we finish our investigation, one of two thing s 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 th ink you owe.  
If you receive our explanation but still believe yo ur 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 a s delinquent without also reporting that you are qu estioning your bill. 
We must tell you the name of anyone to whom we reported you a s delinquent, and we must let those organizations know 
when the matter has been settled between us. 
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you que stion even if your bill is
correct. 
Your Rights if You Are Dissatisfied With Your Credit Card  Purchases 
If you are dissatisfied with the goods or services that you  have purchased with your credit card, and you have  tried in 
good faith to correct the problem with the merchant , you may have the right not to pay the remaining a mount due on the 
purchase. 
To use this right, all of the following must be tru e: 
 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 purchase was based o n 
an advertisement we mailed to you, or if we own the comp any 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 w ith a 
check that accesses your credit card account do not qualify . 
 3. You must not yet have fully paid for the purcha se. 
If all of the criteria above are met and you are st ill dissatisfied 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 finish our investigation,  
we will tell you our decision. At that p oint, if we think you owe an amount and you do not pay, we may report you as 
delinquent.