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VISA® Agreement Disclosure Statement

Stanford Federal Credit Union Visa Agreement and Disclosure Statement 
for Platinum Cash Back Visa, Alumni Rewards Visa, and Visa Card
(Secured)

Interest Rate and Interest Charges

Stanford Alumni Rewards Visa 
Annual Percentage Rate (APR)

®
Stanford Athletics  Fan Rewards Visa 
Annual Percentage Rate (APR)

Platinum Cash Back Visa 
Annual Percentage Rate (APR)

12.24% to 18.00% when you open your account, based on your
creditworthiness (APR will vary with the market based on the
Prime Rate) on purchases, cash advances and balance transfers

12.24% to 18.00% when you open your account, based on your
creditworthiness (APR will vary with the market based on the
Prime Rate) on purchases, cash advances and balance transfers

10.24% to 17.99% when you open your account, based on your
creditworthiness (APR will vary with the market based on the
Prime Rate) on purchases, cash advances and balance transfers

Classic Secured Visa 
Annual Percentage Rate (APR)

17.99% (corresponding to a daily periodic rate of .049288) on
purchases, cash advances and balance transfers

Platinum Rewards Visa – No Longer Offered 
Annual Percentage Rate (APR)

8.99% (corresponding to a daily periodic rate of .024630) on
purchases, cash advances and balance transfers

Classic Visa – No Longer Offered 
Annual Percentage Rate (APR)

17.99% (corresponding to a daily periodic rate of .049288) on
purchases, cash advances and balance transfers

Student Unsecured Visa – No Longer Offered 
Annual Percentage Rate (APR)

17.99% (corresponding to a daily periodic rate of .049288) on
purchases, cash advances and balance transfers

Platinum Visa – No Longer Offered 
Annual Percentage Rate (APR)

13.99% (corresponding to a daily periodic rate of .038329) on
purchases, cash advances and balance transfers

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing
cycle. We do not charge you interest on purchases if you pay your
entire balance by the due date each month. We will begin
charging interest on cash advances and balance transfers on the
transaction date. This excludes our Classic Secured Visa.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $1.50.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or
using a credit card, visit the website of the Consumer
Financial Protection Bureau at
http://www.consumerfinance.gov/learnmore
(http://www.consumerfinance.gov/learnmore)

Fees

Annual Fees

None

Transaction Fee for Cash Advance & Balance Transfer No Cash Advance or Balance Transfer Fee (Interest will be charged on Cash

Advances and Balance Transfers starting on the transaction date.)

Rewards Program

Foreign Transaction Fee

Late Payment Fee

Return Payment Fee

None

None

Up to $7.00

$20.00 or the amount of the required minimum payment, whichever is less.

Returned Convenience Check Fee

$25.00 or the amount of the returned convenience check, whichever is less.

Document Copy Fees

Rush Fee

$12.00

$45.00

In this Agreement, “Agreement” means this Consumer Credit Card Agreement. “Disclosure” means the Credit Card Account Opening
Disclosure. The Account Opening Disclosure is incorporated into this Consumer Credit Card 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 the Visa credit card and any duplicates, renewals, or substitutions the Credit Union issues to you; “account” means your Visa
credit card line-of-credit account with the Credit Union; and “Credit Union” means the Credit Union 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 Union will establish a line of credit for you. You agree that
your credit limit is the maximum amount (purchases, 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 Credit Union has a program whereby it allows payment of advances that exceed your credit limit, subject to a fee, the Credit Union
will provide you with notice, either orally, in writing, or electronically (notwithstanding the requirements of the paragraph entitled
“Statements and Notices”) explaining your right to opt in to the Credit Union’s program whereby it will honor advance requests over
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
to make an advance and/or terminate your account at any time for any reason not prohibited by law. If you are permitted to obtain
cash advances on your account, 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 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 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 imposed to stop
a payment on a convenience check issued on your account. You may make a stop payment request orally, if permitted, or in writing.
Your request must be made with sufficient 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 confirm your request in writing within that time. Written stop
payment orders are effective only for six (6) 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 or draft 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 or draft 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.

2. USING YOUR CARD — You understand that the use of your credit card or credit card account will constitute acknowledgement of
receipt and agreement to the terms of the Credit Card Agreement and Credit Card Account Opening Disclosure (Disclosure). You may
use your card to make purchases from merchants and others who accept your card. The credit union is not responsible for the refusal of
any merchant or financial institution to honor your card. If you wish to pay for goods or services over the Internet, you may be
required to provide card number security information 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 accept your card.) If the credit union authorizes ATM transactions with your card, it will issue you a
personal identification number (PIN). To obtain cash advances from an ATM, you must use the PIN issued to you for use with your card.
You agree that you will not use your card for any transaction 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. If
you are permitted to obtain cash advances on your account, you may also use your card to purchase instruments and engage in
transactions that we consider the equivalent of cash. Such transactions will be posted to your account as cash advances and include,
but are not limited to, wire transfers, money orders, bets, lottery tickets, and casino gaming chips, as applicable. This paragraph 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 advances, balance transfers, use of convenience checks or any
other charge) made to your account by you or anyone you authorize to use your account. You also promise to pay all finance charges
and other charges added to your account under the terms of this Agreement or another agreement you made with the Credit Union. If
this is a joint account, the paragraph on JOINT ACCOUNTS also applies to your account.

4. PERIODIC RATES — The periodic rates applicable to purchases, cash advances, and balance transfers are disclosed on the Disclosure
that accompanies this Agreement. Any penalty rate that may be imposed for failing to make a payment by the payment due date is
also disclosed on the Disclosure. Any rate change will be made pursuant to applicable law. If the rate for your account is variable, 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 Disclosure accompanying this Agreement. The initial rate on your account for certain types of
transactions may be an introductory discounted rate (Introductory Rate) that is lower than the rate that would ordinarily apply for that
type of transaction. If an Introductory Rate applies to your account, the rates 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 automatically increase to the
rates that would ordinarily apply for that type of transaction based on the terms of this Agreement.

5. FINANCE CHARGES — New purchases posted to your account during a billing cycle will not incur a finance charge for that billing
cycle if you 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; 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
the billing statement by the payment due date of that statement. A finance charge begins to accrue on cash advances from the date
you get the cash advance or from the first day of the billing cycle in which the cash advance is posted to your account, whichever is
later (transaction date).

The finance charge is calculated separately for purchases and cash advances. For purchases, the finance charge is computed by applying
the periodic rate to the average daily balance of purchases. To calculate the average daily balance of purchases, we take the beginning
outstanding balance of purchases each day, add any new purchases, and subtract any payments and/or credits. This gives us the daily
balance of purchases. We then add all of the daily balances of purchases for the billing cycle together and divide the total by the
number of days in the billing cycle. This gives us the average daily balance of purchases.

For cash advances, the finance charge is computed by applying the periodic rate to the average daily balance 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, and subtract any payments and/or credits that we apply to the cash 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 gives us the average daily balance of cash advances. Balance transfers are calculated in the
same manner as cash advances.

6. 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 is a
rate selected by Visa from a 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 central processing date.
The exchange rate used on the processing date may differ from the rate that would have been used on the purchase date or cardholder
statement posting date.

7. FEES —In addition to the periodic rate, the following additional fees may be imposed on your account. If applicable to your account,
the fee amounts and explanations are disclosed on the Disclosure accompanying this Agreement. Your account may also be subject to
additional fees as set forth on the Disclosure accompanying this Agreement.

a. Annual Fee. If your account is subject to an Annual Fee, the fee will be charged to your account upon the issuance of your card. Each
year following, the annual fee will be charged to your account during the same month that you were first charged the fee. The fee will
be charged each year until your account is closed and paid in full.

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 cash advance from an ATM, the Credit Union or other financial institution.

d. 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 within the number of days of the statement Payment Due Date set forth on the Disclosure
accompanying this Agreement.

e. Over-the-Credit Limit Fee. If you have elected the feature to allow your account to go over your credit limit, we may charge you a
fee as allowed by law. However, in no case will we impose an over-the-limit fee except in the next two billing cycles unless you have
obtained an additional extension of credit in excess of such credit limit during each subsequent cycle or you have reduced the balance
below the credit limit as of the end of each bill cycle.

f. Returned Payment Fee. If your account is subject to a Returned Payment Fee, the fee will be charged to your account when a
payment is returned for any reason.

g. Returned Convenience Check Fee. If your account is subject to a Returned Convenience Check Fee, the fee will be charged to your
account when a convenience check is returned for any reason.

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 as limited by applicable law, a fee may be charged to your account for each
rush card that you request, providing delivery of the card is also available by standard mail service, without paying a fee for delivery.

8. PAYMENTS — Each month you must pay at least the minimum payment shown on your statement by the date specified on the
statement. You may pay more frequently, pay more than the minimum payment 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 each month your account has a balance (other than a
credit balance). The minimum payment is 2.50% of your total new balance, or $20.00, 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 demand immediate payment of any amount by which
you are over your credit limit.

9. PAYMENT ALLOCATION — Subject to applicable law, your payments may be applied to what you owe the Credit Union in any
manner the Credit Union chooses. However, in every case, in the event you make a payment in excess of the required minimum
periodic payment, the Credit Union will allocate the excess amount first to the balance with the highest annual percentage rate and
any remaining portion to the other balances in descending order based on applicable annual percentage rate.

10. SECURITY INTEREST — You grant the Credit Union a security interest under the Uniform Commercial Code and under any common
law rights the Credit Union may have in any goods you purchase. If you give the Credit Union a specific pledge of shares by signing a
separate pledge of shares, your pledged shares will secure your account. You may not withdraw amounts that have been specifically
pledged to secure your account until the Credit Union agrees to release all or part of the pledged amount.

For California Borrowers, the Secured Visa is a secured credit card. Credit extended under this credit card account is secured by
various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares
you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or
joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would
lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union
excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a
covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us
but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not
be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you
cease to be a covered borrower.

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.

11. DEFAULT — You will be in default if you fail to make any minimum 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 be 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 default if you make any false or
misleading statements in any credit application or credit update. You will also be in default if something happens that the Credit Union
believes may substantially reduce your ability to repay what you owe.

When you are in default, the Credit Union has the right to demand immediate payment of your full account balance without giving you
notice. If immediate payment is demanded, you agree to continue paying finance charges at the periodic rate charged before default,
until what you owe has been paid, and any shares that were given as security for your account may be applied towards what you owe.

12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION — You agree to notify us immediately, orally or in
writing, at Stanford Federal Credit Union, PO Box 10409, Des Moines, IA 50306-0409 or telephone (888) 723-7328 seven (7) days a
week, 24 hours a day or (650) 723-2509 seven (7) days a week, 24 hours a day, of the loss, theft, or unauthorized use of your credit card.
You may be liable for the unauthorized use of your credit card. You will not be liable for unauthorized use that occurs after you notify
us of the loss, theft, or possible unauthorized use. You will have no liability for unauthorized purchases made with your credit card,
unless you are grossly negligent in the handling of your card. 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 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. If
permitted by law and specified in the notice to you, the change will apply to your existing account balance as well as to future
transactions.

Either you or the Credit Union may terminate this Agreement 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 Agreement. Your obligation to pay
the account balance plus any finance and other charges you owe under this agreement are subject to all applicable laws and
regulations regarding repayment requirements. You are also responsible for all transactions made to your account after termination,
unless the transactions were unauthorized.

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. If this is a joint account, the paragraph on
JOINT ACCOUNTS of this Agreement also applies to termination of the account.

14. CHANGING OR TERMINATING 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 letter must
include the name of the authorized user and your account number and/or any subaccount 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.

15. CREDIT REVIEW AND RELEASE OF INFORMATION — You authorize the Credit Union to investigate your credit standing when
opening or reviewing your account. You authorize the Credit Union to disclose information regarding your account to credit bureaus
and creditors who inquire about your credit standing. If your account is eligible for emergency cash and/or emergency card
replacement services, and you request such services, you agree that we may provide personal information about you and your account
that is necessary to provide you with the requested service(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 Credit Union a credit slip which will be posted to your 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 more, it will be refunded upon your written request or automatically after six (6) months.

17. ADDITIONAL BENEFITS/CARD ENHANCEMENTS — The Credit Union may from time to time offer additional services to your
account, such as travel accident insurance, at no additional cost to you. You understand that the Credit Union is not obligated to offer
such services and may withdraw or change them at any time.

18. MERCHANT DISPUTES — The Credit Union is not responsible for the refusal 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 goods or services you purchase with the
card if you have made a good faith attempt 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
cost more than $50.00 and was made in your state or within 100 miles of your home.

19. 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 that the Credit Union can require 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 account and the termination will be effective as to all of you.

20. 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 different terms.

21. NO WAIVER — The Credit Union can delay enforcing any of its rights any number of times without losing them.

22. STATEMENTS AND NOTICES — Statements and notices will be mailed to you at the appropriate address you have given the Credit
Union. Notice sent to any one of you will be considered notice to all.

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 and Disclosure may not be contradicted by evidence of any alleged oral agreement. Should
any part of this Agreement or the Disclosure be found to be invalid or unenforceable, all other parts of this Agreement and Disclosure
shall remain in effect and fully enforceable to the fullest extent possible under this Agreement.

24. COPY RECEIVED — You acknowledge that you have received a copy of this Agreement and Disclosure.

25. INTERNET GAMBLING TRANSACTIONS PROHIBITED — You may not use your card to initiate any type of electronic gambling
transaction through the Internet.

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 refer to the Disclosure for additional information regarding the Penalty Rate.

27. NOTICE TO UTAH BORROWERS — This written agreement is a final expression of the agreement between you and the Credit
Union. This written agreement may not be contradicted by evidence of any oral agreement.

28. THE FOLLOWING IS REQUIRED BY VERMONT LAW — NOTICE TO CO-SIGNER — YOUR SIGNATURE ON THIS NOTE MEANS
THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES NOT PAY, THE LENDER HAS A
LEGAL RIGHT TO COLLECT FROM YOU.

Your Billing Rights: Keep this Document for Future Use
This 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.

– 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 3 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 bill 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 finish 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.

If 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 first $50 of the amount you question 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 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 purchase 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 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 point, if we think you owe an amount and you do not pay, we may report you as delinquent.

NOTICE OF NEGATIVE INFORMATION — Federal law requires us to provide the following notice to members before any “negative
information” may be furnished to a nationwide consumer reporting agency. We may report information about your account to credit
bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

Rev January 2018

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Help

Security

Forgot your Online Banking Password (https://www.sfcu.org/member-
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Forms, Applications & Disclosures

Education

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CUNow Newsletter (https://www.sfcu.org/newsletter/)

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Consumer Loan Application
(https://webloan.sfcu.org/Akcelerant_WebLoan/Home.mvc)

Real Estate Loan Application (https://mortgage.sfcu.org/default.asp?
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Forms (https://www.sfcu.org/member-services/forms/)

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Business Disclosure (https://www.sfcu.org/business-disclosure)

Online Banking Terms of Use
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Mobile Banking Terms of Use (https://www.sfcu.org/mobile-banking-
terms/)

eSign Consent (https://www.sfcu.org/esign-consent/)

Remote Deposit Capture Terms and Conditions
(https://z8i7w3y8im61kkf524998xfq-wpengine.netdna-ssl.com/wp-
content/uploads/2017/08/RDC-Terms-and-Conditions-0817.pdf)

Apple Pay, Android Pay, Samsung Pay Terms and Conditions
(https://www.sfcu.org/apple-pay-android-pay-samsung-pay-terms-
conditions/)

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