� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 10200764-MXC20-C-2-120219 (MXC201-E)CREDIT CARD
ACCOUNT
OPENING
DISCLOSURE
This Disclosure is incorporated into and becomes part of Your LOANLINER� Consumer Credit Card Agreement &
Disclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases% Introductory APR for a period of  six billing cycles.  
After that, Your APR will be                    %.
This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers            % Introductory APR for a period of  six billing cycles.  
After that, Your APR will b e             %.
This APR will vary with the market based on the Prime Rate.
APR for Cash Advances            % Introductory APR for a period of  six billing cycles.  
After that, Your APR will b e             %.  
This APR will vary with the market based on the Prime Rate.
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will
not charge You any 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.
For Credit Card Tips from the
Consumer Financial Protection BureauTo 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.
Fees
Annual Fee
- Annual Fee None
Transaction Fees
- Balance Transfer Fee
- Overdraft Transfer Fee
- Foreign Transaction FeeNone
$5.00
1.00%  of each transaction in U.S. dollars
Penalty Fees
- Late Payment Fee Up to $27.00
How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)." See Your Account Agreement for more
details.
Promotional Period for Introductory APR:
The Introductory APR for purchases, balance transfers and cash advances will apply to transactions posted to Your
Account during the first six months following the opening of Your Account. Any existing balances on Vantage West Credit
Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.
SEE NEXT PAGE for more important information about Your Account.
CONNECT
4.990
4.990
4.990
10.250
10.250
10.250 � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 10200764-MXC20-C-2-120219 (MXC201-E)Billing Rights:
Information  on Your  rights  to dispute  transactions  and how to exercise  those  rights  is provided  in Your  Account  
Agreement.
Military Lending Act Disclosures:
Federal  law provides  important  protections  to members of the Armed  Forces  and their dependents  relating  to extensions  
of consumer  credit.  In general,  the cost of consumer  credit  to a member of the Armed  Forces  and his or her dependent  
may not exceed  an annual  percentage  rate of 36 percent.  This rate must  include,  as applicable  to the credit  transaction  or 
account:  The costs  associated  with credit  insurance  premiums;  fees for ancillary  products  sold in connection  with the 
credit  transaction;  any application  fee charged  (other  than certain  application  fees for specified  credit  transactions  or 
accounts); and any participation fee charged (other than certain participation fees for a credit card account).
Please  call us at (800) 888-7882  to receive  oral disclosures  of the Military  Lending  Act disclosure  above  and a description  
of the payment obligation.
Other Fees & Disclosures:
Late Payment Fee:
$27.00  or the amount  of the required  minimum  payment,  whichever  is less, if You are 10 or more days late in making  a 
payment.  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 this 
Disclosure.
Overdraft Transfer Fee:
$5.00.  If Your  Account  is subject  to an Overdraft  Transfer  Fee, except  as limited  by applicable  law, a fee may be charged  
to Your  Account  each time,  pursuant  to any overdraft  privilege  on a Credit  Union Share  Draft  Account, You  overdraft  Your  
Share Draft Account and funds are advanced to Your Share Draft Account.
Pay-by-Phone Fee:
$15.00.  If Your  Account  is subject  to the Pay-by-Phone  Fee, except  as limited  by applicable  law, a fee will be charged  for 
each time You make a payment by telephone as disclosed on this Disclosure.
Rush Fee:
$33.00.  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  that delivery  of the Card is also available  by standard  mail service,  
without paying a fee for delivery.
Collection Costs:
You agree  to pay all costs  of collecting  the amount  You owe under  this Agreement,  including  court  costs  and reasonable  
attorney's fees.
Periodic Rates:
The Introductory Purchase APR is % which  is a daily periodic rate of %.
The Purchase APR is  % which  is a daily periodic rate of                %.
The Introductory Balance Transfer APR is  % which  is a daily periodic rate of %.
The Balance Transfer APR is  % which  is a daily periodic rate of %.
The Introductory Cash Advance APR is  % which  is a daily periodic rate of %.
The Cash Advance APR is  % which  is a daily periodic rate of  %.
Variable Rate:
The ANNUAL PERCENTAGE RATE is subject to change monthly on the first day of the billing cycle to reflect any change
in the Index and will be determined by the Prime Rate as listed in the �Money Rates� section of The Wall Street Journal on
the day following a change in the index of each calendar month, to which we add a margin. The ANNUAL PERCENTAGE
RATE will never be greater than 29.99%. Any increase in the ANNUAL PERCENTAGE RATE will result in an increase in
the amount of the interest You will pay, may increase Your minimum payment, and may increase the number of payments
to pay off Your balance. If the Index is no longer available, the Credit Union will choose a new index which is based upon
comparable information.
Margin:
Purchases will be charged at  % above the Index.
Balance Transfers will be charged at
Cash Advances will be charged at% above the Index.  
% above the Index.
4.990
0.0137
10.250
0.0281
4.990
0.0137
10.250
0.0281
4.990
0.0137
10.250
0.0281
7.000
7.000
7.000 � CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved 10200764-MXC30-C-1-051721 (MXC304-E)
CONSUMER
CREDIT CARD
AGREEMENT
AND
DISCLOSURE
VISA SIGNATURE CONNECT REWARDS/CONNECT
This 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 Vantage West 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. "C ard" means the Visa� credit card and any other access devices,
duplicates, renewals, or substitutions, the Credit Union issues to You. "Account" means the line of credit established by
this Agreement and includes Your Card.
1. USING YOUR ACCOUNT � By using the Account or keeping 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 finance 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. REPAYMENT � Each month You must pay at least the minimum payment shown on Your statement by the date
specified on the s tatement. 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). For our Visa Signature Connect Rewards card, the
minimum payment is 3.00% of Your total new balance, or $30.00, 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. For our Connect card, the minimum payment is 2.55% of Your total new
balance, or $30.00, 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. In accordance with applicable law, the Credit Union may not post payments to your account or reflect them in
Your available credit limit on the date they are received. The Credit Union may delay replenishing Your credit limit until the
date the payment is posted or the Credit Union confirms the payment has cleared.
4. CHOICE OF LAW � This Agreement has been made by U s, delivered to U s, and accepted by U s and will be
performed by Y ou and U s in the State of Arizona. Accordingly, to the extent not preempted by federal law, the validity,
interpretation, construction, enforcement, and performance of this Agreement shall be governed by the laws of the State
of Arizona.
5. VENUE AND JURISDICTION � You irrevocably agree with U s that any suit, action, or other legal proceedings
arising under or relating to any provision of this Agreement will be brought and enforced exclusively in either: (1) the
competent courts of Arizona or (2) subject to Our sole and absolute election, the competent courts of any other state
(such as any other state in which any collateral for the loan is located or in which You reside) that affect the enforcement
of Our remedies under this Agreement. You hereby submit to the exclusive jurisdiction of such court(s) and waive any
right You may have to request a change of venue or a removal to another court or to collaterally attack any judgment
obtained or action taken by Us in connection therewith. You further consent and agree to service of any summons,
compliant or other legal process in any such suit, action, or other legal proceeding by registered or certified U.S. mail,
postage prepaid, to You at the appropriate address You have provided to Us and consent and agree that such service
shall constitute in every respect valid and effective service (but nothing herein shall affect the validity or effectiveness of
process served in any other manner permitted by applicable law).
6. JURY TRIAL WAIVER � To the extent permitted by applicable law, You and W e each knowingly, voluntarily,
intentionally, and irrevocably waive any right to a trial by jury in any action, suit or other legal proceeding arising under or
relating to any provision of this Agreement. Page 2 of 5
10200764-MXC30-C-1-051721 (MXC304-E)7. 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 first 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 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.
How We Calculate Your Balance:
Interest charges on Your Account are calculated separately for purchases, balance transfers and cash advances
(�Transaction Type�). We figure 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 finance 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.
8. 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.
9. 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.
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 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.
10. AUTHORIZATIONS � We do not guarantee authorization of a transaction, either by Us or by a third party, even if
You have sufficient 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 any 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 specific 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.
11. PREAUTHORIZED CHARGES � If You default, if the Card is lost or stolen, or We change the Account for any
reason, We may suspend automatic charges with third party vendors. If preauthorized charges are suspended, You are
responsible for making direct payment for such charges until You contact the third party to reinstate the automatic
charges.
12. 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; file 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 gave 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.
13. 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 C ard, You should write to Us immediately at PO Box 15115,
Tucson, AZ, 85708-0115 or call Us at (520) 298-7882, Monday through Friday 8 :00 a.m. to 5 :00 p.m. or (520) 751-7070 or
(800) 269-7070, select option #4, seven days a week 24 hours a day.
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. Page 3 of5
10200764-MXC30-C-1-051721 (MXC304-E)14.CHANGING ORTERMINATING YOUR ACCOUNT �Aspermitted bylaw, theCredit Union may change theterms
ofthisAgreement andanyattached Disclosure from time totime. Notice ofanychange willbegiven inaccordance with
applicable law. Totheextent permitted bylaw, changes totheAgreement may apply toYour existing account balance as
well as to future transactions.
Arizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents -Either
You, Your spouse ortheCredit Union may terminate thisAgreement atanytime, buttermination byYou, Your spouse or
theCredit Union willnotaffect Your obligation topaytheaccount balance plus anyfinance andother charges YouorYour
spouse owe under thisAgreement. Your obligation topaytheaccount balance plus anyfinance andother charges You
owe under thisagreement aresubject toallapplicable laws andregulations regarding repayment requirements. TheCard
orCards You receive remain theproperty oftheCredit Union andYou must recover andsurrender totheCredit Union all
Cards upon request or upon termination of this Agreement whether by You or the Credit Union.
Residents ofallother states -Either You ortheCredit Union may terminate thisAgreement atanytime, buttermination
byYou ortheCredit Union willnotaffect Your obligation topaytheaccount balance plus anyfinance andother charges
You owe under thisAgreement. Your obligation topaytheaccount balance plus anyfinance andother charges You owe
under thisagreement aresubject toallapplicable laws andregulations regarding repayment requirements. The Card or
Cards You receive remain theproperty oftheCredit Union andYou must recover andsurrender totheCredit Union all
Cards upon request or upon termination of this Agreement whether by You or the Credit Union.
15.AUTHORIZED USERS �Upon Your request, We may issue additional Cards forauthorized users that You
designate. You must notify Usinwriting ofanytermination ofanauthorized user's right toaccess Your Account .Your
notice must include thename oftheauthorized user andYour Account number and/or anysubaccount number issued to
theauthorized user along with theauthorized user's Cardand anyconvenience orother access checks issued tothe
authorized user. IfYou canno treturn theauthorized user's Cardoraccess checks andifYou request Your Account tobe
closed, Wewillclose Your Account andYou may apply foranew Account .Alternatively, Wemay, atOursole discretion,
issue You a new Account number and a new Card.
16.CREDIT REPORTS �You authorize theCredit Union toobtain credit reports and anyother information Wemay
need toverify Your identity anduseoftheAccount when opening Your Account andforanyupdate, increase, renewal,
extension, collection orreview ofYour Account .You authorize theCredit Union todisclose information regarding Your
Account  to credit bureaus and creditors who inquire about Your  credit standing .
17.JOINT ACCOUNT S�Ifthisisajoint Account ,each ofYou willbeindividually andjointly responsible forpaying all
amounts owed under thisAgreement .This means thattheCredit Union canrequire anyoneofYou individually torepay
theentire amount owed under thisAgreement .Each ofYou authorizes theother(s) tomake transactions ontheAccount
individually. Any one of You may terminate the Account  and the termination will be effective as to all of You.
18.EFFECT OFAGREEMENT �This Agreement isthecontract which applies toalltransactions onYour Account even
though the sales, cash advances, credit or other slips You sign or receive may contain different terms.
19.SEVERABILITY AND FINAL EXPRESSION �This Agreement isthefinal expression oftheterms andconditions of
Your Account. This written Agreement may notbecontradicted byevidence ofanyalleged oralAgreement. Should any
partofthisAgreement befound tobeinvalid orunenforceable, allother parts ofthisAgreement shall remain ineffect and
fullyenforceable tothefullest extent possible under thisAgreement. Any term orprovision herein that isprohibited by
theMilitary Lending Actshall notapply toYou ifYou areacovered borrower under theMilitary Lending Act, in
which case such provisions shall bedeemed severed from this Agreement, including without limitation
paragraph 7ofthis Agreement. Forclarity, You willnotbedeemed acovered borrower, and such terms and
provisions willapply if:(i)You established Your credit card Account when You were notacovered borrower: or
(ii) You cease to be a covered borrower.
20.ILLEGAL TRANSACTIONS PROHIBITED �Youagree thatYouwillnotuseYour Card foranytransaction, including
anytype of electronic gambling tr ansaction through the Internet , that is illegal under applicable federal, state, or local law .
Even ifYou useYour Card foranillegal transaction, You willberesponsible forallamounts and charges incurred in
connection withthetransaction. This paragraph shall notbeinterpreted aspermitting orauthorizing anytransaction thatis
illegal.
21.APPLICABLE LAW �Theterms andenforcement ofthisAgreement shall begoverned byfederal lawandthelawof
Arizona .
22.ENFORCING THIS AGREEMENT �Wecan delay inenforcing orfailtoenforce any ofOur rights under this
Agreement  without losing them.
23.COLLECTION COSTS �IfWerefer collection ofYour Account toalawyer who isnotOursalaried employee, You
areliable forany reasonable attorney�s fees Weincur, plus thecosts and expenses ofany legal action, asfurther
disclosed on this Agreement, or to the extent allowed by law.
24.ASSIGNMENT �We may assign any or all of Our rights and obligations under this Agreement  to a third party.
25.OVERDRAFT PRIVILEGE �You agree that if,pursuant toanyoverdraft privilege onaCredit Union Share Draft
Account, there isanoverdraft ofYour Share Draft Account, theamount ofoverdraft willbeadded totheoutstanding Page 4 of5
10200764-MXC30-C-1-051721 (MXC304-E)balance onYourVisa Credit Card Account, subject tothefinance charge provisions setforth in�INTEREST AND
FINANCE CHARGES� asdescribed forcash advances, andwillbesubject toallterms andconditions ofthisAgreement.
The Visa Credit Card Account must becurrent and notover thecredit limit forfunds totransfer totheShare Draft
Account. Overdrafts arenotallowed forthepurpose ofmaking loan payments, including Visa Credit Card payments, at
theCredit Union, ATM orin-branch teller cash withdrawals. TheShare Draft Account referred toherein isalso subject toa
separate agreement between You andtheCredit Union. Where theterms ofanyother agreement between You andthe
Credit Union conflict with the terms of this Agreement, the terms of this Agreement will control.
26.CALIFORNIA RESIDENTS �Amarried applicant may apply foraseparate Account. Applicants: 1)may, after credit
approval, usethecredit card Account uptoitscredit limit; 2)may beliable foramounts extended under theplan toany
joint applicant. Asrequired bylaw, You arehereby notified thatanegative credit report reflecting onYour credit record
may be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.
27.FLORIDA RESIDENTS �You (borrower) agree that, should Weobtain ajudgment against You, aportion of
Your disposable earnings may beattached orgarnished (paid toUsbyYour employer), asprovided byFlorida
and Federal law.
28.MARYLAND RESIDENTS �To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your
Card Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article .
29.MISSOURI RESIDENTS �Oral Agreements orcommitments toloan money, extend credit ortoforbear from
enforcing repayment ofadebt including promises toextend orrenew such debt arenotenforceable. Toprotect
You (borrower(s)) and Us(creditor) from misunderstanding ordisappointment, any Agreements We reach
covering such matters arecontained inthis writing, which isthecomplete and exclusive statement ofthe
Agreement between Us, except as We may later agree in writing to modify it.
30.NEW YORK RESIDENTS �Wemay obtain acredit report inconnection with thisAccount, including foranyreview,
modification, renewal orcollections associated with thisAccount. Upon Your request, You willbeinformed whether such
report was requested and, ifso,thename andaddress oftheconsumer reporting agency furnishing thereport. New York
residents may contact theNew York State Department ofFinancial Services at800.342.3736 orwww.dfs.ny.gov toobtain
a comparative listing of credit card rates, fees and grace periods.
31.OHIO RESIDENTS �TheOhio laws against discrimination require thatallcreditors make credit equally available to
allcreditworthy customers andthatcredit reporting agencies maintain separate credit histories oneach individual upon
request. The Ohio Civil Rights Commission administers compliance with this law.
32.SOUTH DAKOTA RESIDENTS �IfYou believe there have been anyimproprieties inmaking thisloan orinthe
lender�s loan practices, You may contact theSouth Dakota Division ofBanking at1601 N.Harrison Ave, Suite 1,Pierre,
SD 57501, or by phone at 605.773.3421.
33.WISCONSIN RESIDENTS �IfYouaremarried, please contact Usimmediately uponreceipt ofthisAgreement atthe
address orphone number listed onthisAgreement andprovide Uswith thename andaddress ofYour spouse. Weare
required to inform Your spouse that We have opened a n Account for You.
34.NOTICE TOUTAH BORROWERS �This written Agreement isafinal expression oftheAgreement between You
andtheCredit Union. This written Agreement may notbecontradicted byevidence ofanyoralAgreement. Asrequired by
law, You arehereby notified thatanegative credit report reflecting onYour credit record may besubmitted toacredit
reporting agency if You fail to fulfill the terms of Your credit obligations.
35.THE FOLLOWING ISREQUIRED BYVERMONT LAW �NOTICE TOCO-SIGNER �YOUR SIGNATURE ON
THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OFTHIS LOAN. IFTHE BORROWER
DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. Page 5 of5
10200764-MXC30-C-1-051721 (MXC304-E)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
IfYou think there is an error on Your statement, write to Us at the address listed on Your statement.
InYour letter, give Us the following information:
-Account information:  Your name and Account number.
-Dollar amount:  The dollar amount of the suspected error.
-Description ofproblem: IfYouthink there isanerror onYourbill,describe what Youbelieve iswrong andwhy You
believe it is a mistake.
You must contact Us:
-Within 60 days after the error appeared on Your statement .
-Atleast three business days before anautomated payment isscheduled, ifYouwant tostop payment ontheamount
You thin k is wrong.
You must notify Usofanypotential errors inwriting orelectronically. You may callUs,butifYoudoWearenotrequired
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 30days ofreceiving Yourletter, Wemust tellYouthatWereceived Yourletter. Wewillalso tellYouifWehave
already corrected the error.
2.Within 90days ofreceiving Yourletter, Wemust either correct theerror orexplain toYouwhy Webelieve thebillis
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.
-Wecan apply any unpaid amount against Your credit limit.
After We finish Our investigation, one of two things will happen:
-IfWemade amistake: You willnothave topaytheamount inquestion oranyinterest orother fees related tothat
amount.
-IfWedonotbelieve there was amistake: You willhave topaytheamount inquestion, along with applicable
interest andfees. Wewillsend Youastatement oftheamount Youowe andthedate payment isdue. Wemay then
report You as delinquent if You do not pay the amount We think You owe.
IfYoureceive Ourexplanation butstillbelieve Yourbilliswrong, Youmust write toUswithin 10days telling UsthatYou
stillrefuse topay. IfYoudoso,Wecannot report Youasdelinquent without also reporting thatYouarequestioning Your
bill.Wemust tellYouthename ofanyone towhom Wereported Youasdelinquent, andWemust letthose organizations
know when the matter has been settled between Us.
IfWedonotfollow alloftherules above, Youdonothave topaythefirst$50oftheamount Youquestion even ifYourbill
is correct.
Your Rights if You Are Dissatisfied With Your Credit Card Purchases
IfYouaredissatisfied with thegoods orservices thatYouhave purchased with Yourcredit card, andYouhave tried in
good faith tocorrect theproblem with themerchant, Youmay have theright nottopaytheremaining amount dueonthe
purchase.
To use this right, all of the following must be true:
1.Thepurchase must have been made inYourhome state orwithin 100miles ofYourcurrent mailing address, andthe
purchase price must have been more than $50. (Note: Neither ofthese arenecessary ifYourpurchase wasbased 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 Yourcredit card forthepurchase. Purchases made with cash advances from anATM orwith a
check that accesses Your credit card Account do not qualify.
3.You must not yet have fully paid for the purchase .
Ifallofthecriteria above aremetandYouarestilldissatisfied withthepurchase, contact Usinwriting orelectronically at
the address listed on Your statement.
While Weinvestigate, thesame rules apply tothedisputed amount asdiscussed above. After Wefinish Ourinvestigation,
WewilltellYouOurdecision. Atthatpoint, ifWethink Youowe anamount andYoudonotpay, Wemay report Youas
delinquent.