collect on this Account, you agree to pay our reasonable at torney�s 4.  If we or you close your Account, you agree to surrender all issued If you receive our explanation but still believe your bill is wrong, you
 Credit Union Liability
 fees and court costs. You will pay our reasonable attorney�s fees and Cards and courtesy checks to us. The Cards and courtesy checks remain must write to us within 10 days telling us that you still refuse to pay. If you How We Will Calculate Your Balance: Average daily balance including new How We Will Calculate Your Balance: Average daily balance including new How We Will Calculate Your Balance: Average daily balance including new 6.  We have the right to refuse to allow you to use your Account for new trans- 6.  We have the right to refuse to allow you to use your Account for new trans- 6.  We have the right to refuse to allow you to use your Account for new trans- programs are shown at the top of this Agreement. You will receive a sep- programs are shown at the top of this Agreement. You will receive a sep- programs are shown at the top of this Agreement. You will receive a sep- but if an item presented for payment on your Account is returned unpaid, but if an item presented for payment on your Account is returned unpaid, but if an item presented for payment on your Account is returned unpaid, to you under this Agreement. The dollar amount pledged and the share to you under this Agreement. The dollar amount pledged and the share to you under this Agreement. The dollar amount pledged and the share
 We will not be liable for failure to complete cash advance transactions if:
 court costs whether the legal action we take is a collection lawsuit, our property. Even if your Account is closed, you must still pay your do so, we cannot report you as delinquent without also reporting that you are  purchases. See your account agreement for more details.   purchases. See your account agreement for more details.   purchases. See your account agreement for more details.  actions. We will notify you in writing of the reason for any such denial of credit. actions. We will notify you in writing of the reason for any such denial of credit. actions. We will notify you in writing of the reason for any such denial of credit. arate written notice before you become obligated informing you of the arate written notice before you become obligated informing you of the arate written notice before you become obligated informing you of the we can assess finance charges retroactive to the date the payment was  we can assess finance charges retroactive to the date the payment was  we can assess finance charges retroactive to the date the payment was   account (s) will be shown on a separate security agreement. You will not  account (s) will be shown on a separate security agreement. You will not  account (s) will be shown on a separate security agreement. You will not
 1.  Your Account does not have available credit to make the transaction; 
 a proceeding to protect our interests if you become a bankruptcy  outstanding balance in full under the terms of this Agreement. questioning your bill. We must tell you the name of anyone to whom we re- Reasons we can deny you credit include but are not limited to your already  having Reasons we can deny you credit include but are not limited to your already  having Reasons we can deny you credit include but are not limited to your already  having type of Credit Card Account we have opened for you and your credit type of Credit Card Account we have opened for you and your credit type of Credit Card Account we have opened for you and your credit credited.  credited.  credited.  be able to withdraw funds as long as the pledge is in effect. If you be able to withdraw funds as long as the pledge is in effect. If you be able to withdraw funds as long as the pledge is in effect. If you
 2. The ATM system was not working properly and you knew about the break- Billing Rights: Billing Rights: Billing Rights: Information on our rights to dispute transactions and how to Information on our rights to dispute transactions and how to Information on our rights to dispute transactions and how to
 debtor, an appeal, an action to enforce a judgment, or any other type of ported you as delinquent, and we must let those organizations know when borrowed up to your credit limit, an adverse change in your credit standing, your borrowed up to your credit limit, an adverse change in your credit standing, your borrowed up to your credit limit, an adverse change in your credit standing, your limit. Rates  applicable to your Account will also be disclosed to you on limit. Rates  applicable to your Account will also be disclosed to you on limit. Rates  applicable to your Account will also be disclosed to you on 16. Special Considerations Regarding Merchant Transactions 16. Special Considerations Regarding Merchant Transactions 16. Special Considerations Regarding Merchant Transactions  default in your payment obligations under this Agreement, we can apply  default in your payment obligations under this Agreement, we can apply  default in your payment obligations under this Agreement, we can apply
 down when you started the transaction;  exercise those rights is provided in your account agreement.  exercise those rights is provided in your account agreement.  exercise those rights is provided in your account agreement.
  proceeding. You authorize us to add reasonable collection costs to O. GENERAL TERMS the matter has been settled between us.  failure to meet loan- or account-related obligations to us, or our reasonable belief failure to meet loan- or account-related obligations to us, or our reasonable belief failure to meet loan- or account-related obligations to us, or our reasonable belief periodic   periodic   periodic   statements we will send you.  statements we will send you.  statements we will send you.  16.1 If you made a purchase and the merchant discloses a policy such 16.1 If you made a purchase and the merchant discloses a policy such 16.1 If you made a purchase and the merchant discloses a policy such the shares specifically pledged to pay off this Account in full or in part.  the shares specifically pledged to pay off this Account in full or in part.  the shares specifically pledged to pay off this Account in full or in part. 
 3. Your personal identification number (PIN) or Card has been reported lost or
 your   Account  balance  and  charge  interest  on  them  at  the  rate This Agreement reflects your obligations to us with respect to all If we do not follow all of the rules above, you do not have to pay the first Monthly Periodic  Monthly Periodic  Monthly Periodic  VISA VISA � Gold with No Rebate: 0.77% � � that a requested transaction is illegal or unauthorized.  that a requested transaction is illegal or unauthorized.  that a requested transaction is illegal or unauthorized.  4. 4. We have the right to change the interest rate applicable to your We have the right to change the interest rate applicable to your 4. We have the right to change the interest rate applicable to your as �no returns,� �no refunds,� �no credit without receipt, �as is,� �store credit as �no returns,� �no refunds,� �no credit without receipt, �as is,� �store credit as �no returns,� �no refunds,� �no credit without receipt, �as is,� �store credit 5.  Cross-Collateral: Property you have 5.  Cross-Collateral: Property you have 5.  Cross-Collateral: Property you have pledged to secure other pledged to secure other pledged to secure other
 stolen and we have blocked its use;         VISA Gold with No Rebate: 0.77% Gold with No Rebate: 0.77%
  applicable to cash advances.  Account transactions you make even though sales, cash advance or credit   $50 of the amount you question even if your statement is correct. 7.  You are not permitted to use your Account for illegal transactions such as 7.  You are not permitted to use your Account for illegal transactions such as 7.  You are not permitted to use your Account for illegal transactions such as Account for any lawful reason, including but not limited to our review of   Account for any lawful reason, including but not limited to our review of   Account for any lawful reason, including but not limited to our review of   only,� or �all sales final,� you agree to be bound by that merchant�s policy. only,� or �all sales final,� you agree to be bound by that merchant�s policy. only,� or �all sales final,� you agree to be bound by that merchant�s policy.  obligations to SLFCU, other than real property and household goods,  obligations to SLFCU, other than real property and household goods,  obligations to SLFCU, other than real property and household goods,
 4. Circumstances beyond our control, such as communication malfunction, fire, Rates:  Rates:  Rates:  VISA VISA � Classic or MasterCard � VISA Classic or MasterCard � Classic or MasterCard � with No Rebate: 0.81% � with No Rebate: 0.81% � with No Rebate: 0.81%
 slips you sign may contain different terms. If any part of this Agreement is  illegal Internet gambling. We have the right but not the duty to refuse to authorize  illegal Internet gambling. We have the right but not the duty to refuse to authorize  illegal Internet gambling. We have the right but not the duty to refuse to authorize your Account (see Section C of this Agreement) by giving you notice your Account (see Section C of this Agreement) by giving you notice your Account (see Section C of this Agreement) by giving you notice 16.2 When you use your Account to make travel or lodging reserva- 16.2 When you use your Account to make travel or lodging reserva- 16.2 When you use your Account to make travel or lodging reserva- may also secure this Account if you agree in writing. may also secure this Account if you agree in writing. may also secure this Account if you agree in writing.
 flood, electrical failure, or malfunction of the central data processing facility pre- VISA VISA � Gold with Rebate: 0.92% � VISA Gold with Rebate: 0.92% � Gold with Rebate: 0.92%
 M. OTHER RIGHTS APPLICABLE TO CREDIT CARDS found to be invalid, the remaining provisions will continue in effect. Your Rights If You Are Dissatisfied With Your Credit Card Purchases VISA � and MasterCard � Credit Card Agreement � � � � � a transaction if we reasonably believe it is illegal. Responsibility for deter - a transaction if we reasonably believe it is illegal. Responsibility for deter - a transaction if we reasonably believe it is illegal. Responsibility for deter -  required by law. Any increased interest rate will apply only to transac-  required by law. Any increased interest rate will apply only to transac-  required by law. Any increased interest rate will apply only to transac- tions, you agree to request the merchant�s cancellation policy and follow it tions, you agree to request the merchant�s cancellation policy and follow it tions, you agree to request the merchant�s cancellation policy and follow it 6.  Security interests described in this Section G apply even if credit 6.  Security interests described in this Section G apply even if credit 6.  Security interests described in this Section G apply even if credit
 vent completion of the transaction despite our reasonable precautions; or VISA VISA Classic or MasterCard VISA Classic or MasterCard Classic or MasterCard with Rebate: 0.96% with Rebate: 0.96% � with Rebate: 0.96%
 1.  Unauthorized Use of Lost or Stolen Cards. You agree to notify us It  will  not  be  construed  against  either  party.  Federal  law,  including � mining the legality of transactions rests with you, not with us. You cannot use the mining the legality of transactions rests with you, not with us. You cannot use the mining the legality of transactions rests with you, not with us. You cannot use the tions initiated at least 14 days after we send you the notice tions initiated at least 14 days after we send you the notice. tions initiated at least 14 days after we send you the notice. . if you cancel. Otherwise, the merchant may charge you unless you can if you cancel. Otherwise, the merchant may charge you unless you can if you cancel. Otherwise, the merchant may charge you unless you can is otherwise described as �signature� or �unsecured.� is otherwise described as �signature� or �unsecured.� is otherwise described as �signature� or �unsecured.�
 If you are dissatisfied with the goods or services that you purchased 5. We establish other lawful exceptions and notify you of them.  and Truth in Lending Disclosure VISA VISA Student Card with Rebate: 0.96% � VISA Student Card with Rebate: 0.96% � Student Card with Rebate: 0.96%
 promptly of the loss, theft or other actual or possible unauthorized use  Consumer Financial Protection Bureau Regulation Z, and any applicable actual or actual or actual or alleged illegality of an authorized transaction on your Account as a  alleged illegality of an authorized transaction on your Account as a  alleged illegality of an authorized transaction on your Account as a 5. 5. Your minimum monthly payment will be the greater of 3% of the Your minimum monthly payment will be the greater of 3% of the 5. Your minimum monthly payment will be the greater of 3% of the provide us with the cancellation code the merchant is required to give you. provide us with the cancellation code the merchant is required to give you. provide us with the cancellation code the merchant is required to give you.
 with your credit card, and you have tried in good faith to correct the problem
 of any Card we issue to you. Call (800) 556-5678.  Although you are state law not pre-empted by  federal law, will govern this Ag reement�s Security  defense to your obligation to pay it.  defense to your obligation to pay it.  defense to your obligation to pay it. current  monthly  balance  or  $20,  plus  any  over-limit  or  delinquent current  monthly  balance  or  $20,  plus  any  over-limit  or  delinquent current  monthly  balance  or  $20,  plus  any  over-limit  or  delinquent 16.3  If you authorize a merchant to charge your Account for repeat 16.3  If you authorize a me 16.3  If you authorize a me rchant to charge your Account for repeat rchant to charge your Account for repeat H.  CHANGES IN TERMS H.  CHANGES IN TERMS H.  CHANGES IN TERMS
 with the merchant, you may have the right not to pay the remaining amount Interest Rate and Interest Charges The extension of credit to you under this Agreement will be subject to the  following The extension of credit to you under this Agreement will be subject to the  following The extension of credit to you under this Agreement will be subject to the  following
 generally not be liable for unauthorized use (except that you may be  interpretation. Do not use an ATM machine unless it appears safe to do so. Do not key in your 8.  You are not permitted to transfer one SLFCU credit card balance to  8.  You are not permitted to transfer one SLFCU credit card balance to  8.  You are not permitted to transfer one SLFCU credit card balance to  amounts. If your balance is less than $20, you must pay it in full.  amounts. If your balance is less than $20, you must pay it in full.  amounts. If your balance is less than $20, you must pay it in full.  transactions  transactions without your Credit Card, you will notify the merchant when transactions without your Credit Card, you will notify the merchant when without your Credit Card, you will notify the merchant when We may change your Account terms, including the Annual Percentage We may change your Account terms, including the Annual Percentage We may change your Account terms, including the Annual Percentage
 due on the purchase.             terms. Parts in bold face meet Truth in Lending disclosure  require ments. Read this terms. Parts in bold face meet Truth in Lending disclosure  require ments. Read this terms. Parts in bold face meet Truth in Lending disclosure  require ments. Read this
  liable for up to $50 for unauthorized PIN-based transactions), all PIN if someone is looki ng. Take your Card, receipt and money when you are done, Annual Percentage another SLFCU credit card Account, and you may not use advances on an SLFCU another SLFCU credit card Account, and you may not use advances on an SLFCU another SLFCU credit card Ac count, and you may not use advances on an SLFCU 6. 6. Calculation of Finance Charges: Average Daily Balance Method. Calculation of Finance Charges: Average Daily Balance Method. 6. Calculation of Finance Charges: Average Daily Balance Method. you want to discontinue the repeat transactions or if your Account is closed.  you want to discontinue the repeat transactions or if your Account is closed.  you want to discontinue the repeat transactions or if your Account is closed.  Rate, by giving you advance written notice required by law. Rate, by giving you advance written notice required by law. Rate, by giving you advance written notice required by law. A �change� A �change� A �change�
                     �            entire Agreement and keep a copy for your records.  �Applicant� refers to any per- entire Agreement and keep a copy for your records.  �Applicant� refers to any per- entire Agreement and keep a copy for your records.  �Applicant� refers to any per-
 To use this right, all of the following must be true:
 SLFCU members benefit if unautho rized Card use losses are kept to a BILLING RIGHTS: KEEP THIS NOTICE FOR FUTURE USE put your money away quickly, and leave the site. 9.25% VISA Gold with No Rebate � � � � � � Credit Card Account to pay other obligations you have to SLFCU. Credit Card Account to pay other obligations you have to SLFCU. Credit Card Account to pay other obligations you have to SLFCU.  Interest is calculated separately for purchase balances and cash advance  Interest is calculated separately for purchase ba  Interest is calculated separately for purchase ba lances and cash advance lances and cash advance 16.4  If you disagree with a transaction on your statement, you agree 16.4  If you disagree with a transaction on your statement, you agree 16.4  If you disagree with a transaction on your statement, you agree can amend an existing term, add a new term, or a delete an old term. can amend an existing term, add a new term, or a delete an old term. can amend an existing term, add a new term, or a delete an old term.
     Rate (APR)                   son who signs the Credit Application, will receive a VISA son who signs the Credit Application, will receive a VISA son who signs the Credit Application, will receive a VISA or MasterCard or MasterCard or MasterCard Credit Credit Credit
 1.   The purchase must have been made in your home state or within 100
 minimum. STATE AND LOCAL LAW
    for Purchases    �          � Card and will use the VISA Card and will use the VISA Card and will use the VISA � or MasterCard � � � � � 9.  You will generally not be allowed to exceed your credit limit unless you opt 9.  You will generally not be allowed to exceed your credit limit unless you opt 9.  You will generally not be allowed to exceed your credit limit unless you opt  balances. We arrive at the interest portion of the Finance Charge   balances. We arrive at the interest portion of the Finance Charge for each  balances. We arrive at the interest portion of the Finance Charge for each for each to provide any information or assistance we reasonably request. Other- to provide any information or assistance we reasonably request. Other- to provide any information or assistance we reasonably request. Other- If you do not want the changes to apply to your Account, you can cut all If you do not want the changes to apply to your Account, you can cut all If you do not want the changes to apply to your Account, you can cut all
             9.75% VISA Classic or MasterCard or MasterCard or MasterCard Credit Card   Credit Card   Credit Card   Account. A Credit Card Account. A Credit Card Account. A Credit Card
 Once you report your Card as lost or stolen, you agree not to miles of your current mailing address, and the purchase price must
 The following summary of your rights under federal law does not cover NOTICE TO CO-SIGNER in t in t o doing so in writing and agree to pay a fee each time you exceed your limit. o doing so in writing and agree to pay a fee each time you exceed your limit. in to doing so in writing and agree to pay a fee each time you exceed your limit. balance type by first calculating the average daily Account balance for balance type by first calculating the average daily Account balance for balance type by first calculating the average daily Account balance for wise you will pay us for any loss we incur, subject only to any limits wise you will pay us for any loss we incur, subject only to any limits wise you will pay us for any loss we incur, subject only to any limits issued Cards in half and send them to us with a written  request to close issued Cards in half and send them to us with a written  request to close issued Cards in half and send them to us with a written  request to close
                    with No Rebate Account may have one or more Applicants. �Co-Signer� refers to a person who   Account may have one or more Applicants. �Co-Signer� refers to a person who   Account may have one or more Applicants. �Co-Signer� refers to a person who  
  attempt to use it. A replacement card will usually be issued to you. have been more than $50. (Note: Neither of these are necessary if your
 all rights you may have under State and local law. If, under State or local Exceeding your credit limit may adversely affect your credit standing. Exceeding your credit limit may adversely affect your credit standing. Exceeding your credit limit may adversely affect your credit standing. the statement period. To obtain the daily Account balances of purchases, the statement period. To obtain the daily Account balances of purchases, the statement period. To obtain the daily Account balances of purchases,  imposed by law.    imposed by law.    imposed by law.  the Account. If you do that, you must pay off any outstanding balance the Account. If you do that, you must pay off any outstanding balance the Account. If you do that, you must pay off any outstanding balance
 (Traduccion en Ingles Requiere Por La Ley) � signs a Credit Application and is responsible for all charges incurred using the signs a Credit Application and is responsible for all charges incurred using the signs a Credit Application and is responsible for all charges incurred using the
 If you find your card after reporting it lost or stolen and attempt to use it, purchase was based on an advertisement we mailed to you, or if we
 law, you have a longer of period of time in which to send an inquiry to us 11.00% VISA Gold with Rebate we add any new purchases to the previous day�s purchase balance, then we add any new purchases to the previous day�s purchase balance, then we add any new purchases to the previous day�s purchase balance, then 16.5  A merchant, such as hotel or re 16.5  A merchant, such as hotel or rental car agency, may place a 16.5  A merchant, such as hotel or rental car agency, may place a ntal car agency, may place a under the old terms and interest rate. If you keep your Card, the new under the old terms and interest rate. If you keep your Card, the new under the old terms and interest rate. If you keep your Card, the new
                                  Credit Card Account but who will not be issued a Card and will not use the   Credit Card Account but who will not be issued a Card and will not use the   Credit Card Account but who will not be issued a Card and will not use the   Account. Account. Account.
 own the company that sold you the goods or services.)
 a merchant may capture the Card and you will have to pay a card concerning your statement, reliance on any such longer time period may B. REPAYMENT OBLIGATIONS B. REPAYMENT OBLIGATIONS B. REPAYMENT OBLIGATIONS  subtract any payments or other credits applied to the purchase balance.  subtract any payments or other credits applied to the purchase balance.  subtract any payments or other credits applied to the purchase balance. �hold� on your Account for anticipated charges. This may result in your �hold� on your Account for anticipated charges. This may result in your �hold� on your Account for anticipated charges. This may result in your terms and new interest rate will  terms and new interest rate will  terms and new interest rate will  apply to all transactions on the account apply to all transactions on the account apply to all transactions on the account
 You are being asked to guarantee this debt. Think carefully 11.50% VISA � Classic or MasterCard �  �Credit Union,� �we� and �us� refer to Sandia Laboratory Federal Credit Union. �You�  �Credit Union,� �we� and �us� refer to Sandia Laboratory Federal Credit Union  �Credit Union,� �we� and �us� refer to Sandia Laboratory Federal Credit Union. �You� . �You�
 2.
 result in your losing  important rights that could be preserved by acting more You must have used your credit card for the purchase. Purchases
  capture fee.                                                        1.  Each Applicant and Co-Signer is obligated to repay the Account under the 1.  Each Applicant and Co-Signer is obligated to repay the Account under the 1.  Each Applicant and Co-Signer is  obligated to repay the Account under the To obtain the daily Account balances of cash advances, we add any new To obtain the dail To obtain the dail y Account balances of cash advances, we add any new y Account balances of cash advances, we add any new credit limit being unavailable for the duration of the merchant hold, and as credit limit being unavailable for the duration of the merchant hold, and as credit limit being unavailable for the duration of the merchant hold, and as that occur 14 or more days after we send you the Change in Terms that occur 14 or more days after we send you the Change in Terms that occur 14 or more days after we send you the Change in Terms
 made with cash advances from an ATM or with a check that accesses before you do. If the borrower doesn�t pay the debt, you will with Rebate and �your� refer to any Applicant an and �your� refer to any Applicant and, if the context indicates, to any Co-Signer. �Ac- and �your� refer to any Applicant and, if the context indicates, to any Co-Signer. �Ac- d, if the context indicates, to any Co-Signer. �Ac-
 If you report your Card as stolen, you agree to cooperate with our promptly under federal law. State or local provisions, if any, only  become terms of this Agreement. terms of this Agreement. terms of this Agreement. cash advances to the previous day�s cas cash advances to the previous day�s cash advance balance, then sub- cash advances to the previous day�s cash advance balance, then sub- h advance balance, then sub- a  result, other transactions may be declined due to lack of available credit.  a  result, other transactions may be declined due to lack of available credit.  a  result, other transactions may be declined due to lack of available credit.   notice, and the old Annual Percentage Rate will apply to  purchase and  notice, and the old Annual Percentage Rate will apply to  purchase and  notice, and the old Annual Percentage Rate will apply to  purchase and
                       �          count� refers to the line of credit established under this Agreement. �Card� refers count� refers to the line of credit established under this Agreement. �Card� refers count� refers to the line of credit established u nder this Agreement. �Card� refers
 investi gation. Your failure to file a police report or otherwise cooperate operative upon the expiration of the time period provided by Consumer your credit card account do not qualify. 11.50% VISA Student Card 2. Each Applicant and Co-Signer is also obligated to repay any charges 2. Each Applicant and Co-Signer is also obligated to repay any charges 2. Each Applicant and Co-Signer is also obligated to repay any charges tract any payments or other credits applied to the cash advance balance. tract any payments or other credits applied to the cash advance balance. tract any payments or other credits applied to the cash advance balance. 17.  You must maintain a regular share account with SLFCU with the 17.  You must maintain a regular share account with SLFCU with the 17.  You must maintain a regular share account with SLFCU with the cash advance transactions that took place prior to the date 14 days after cash advance transactions that took place prior to the date 14 days after cash advance transactions that took place prior to the date 14 days after
 have to. Be sure you can afford to pay if you have to, and that to the credit card(s) issued under this Agreement. The singular implies the plural if to the credit card(s) issued under this Agreement. The singular implies the plural if to the credit card(s) issued under this Agreement. The singular implies the plural if
 with our investigation may give us reasonable grounds to deny your  Financial Protection Bureau Regulation Z for submitting a proper written 3. You must not yet have fully paid for the purchase.  with Rebate  resulting from the use of the Account by an Authorized Use  resulting from the use of the Account by an Authorized Use  resulting from the use of the Account by an Authorized User, regardless of whether r, regardless of whether r, regardless of whether We then total the daily balances for the statement period and divide by We then total the daily balances for the statement period and divide by We then total the daily balances for the statement period and divide by  required minimum balance at all times you have an outstanding balance on  required minimum balance a  required minimum balance a t all times you have an outstanding balance on t all times you have an outstanding balance on we sent you the notice. we sent you the notice. we sent you the notice.
 you want to accept this responsibility.  there is more than one Applicant or Co-Signer. there is more than one Applicant or Co-Signer. there is more than one Applicant or Co-Signer.
 claim of unauthorized use. Although we will not close your Account solely notification of an error. If all of the criteria above are met and you are still dissatisfied with the the Authorized User stays within the limits of permission given to use the Account. the Authorized User stays within the limits of permission given to use the Account. the Authorized User stays within the limits of permission given to use the Account. the number of days in the period to get the Average Daily Balance. This the number of days in the period to get the Average Daily Balance. This the number of days in the period to get the Average Daily Balance. This your Ac your Account, even if the Account is closed to new transactions. count, even if the Account is closed to new transactions. your Account, even if the Account is closed to new transactions.
    APR for Balance Same as above
  because you exercise your rights to report unauthorized activity or other This notice contains important information about your rights and  purchase, contact us in writing at: You may have to pay up to the full amount of the debt if the We are not subject to agreements between you and Authorized Users limiting their We are not subject to agreements between you and Authorized Users limiting their We are not subject to agreements between you and Authorized Users limiting their figure is multiplied by the Monthly Periodic Rate (1/12 of the APR) to figure is multiplied by the Monthly Periodic Rate (1/12 of the APR)  figure is multiplied by the Monthly Periodic Rate (1/12 of the APR)  to to I. HONEST DEALING I. HONEST DEALING I. HONEST DEALING
     Transfers                    A. LOAN ADVANCES A. LOAN ADVANCES A. LOAN ADVANCES
 errors under the Fair Credit Billing Act, our determination that your  report  responsibilities under the Fair Credi t Billing Act. Sandia Laboratory Federal Credit Union, ATTN: Card Services use of the Account. An Authorized User is any person to whom an Applicant or use of the Account. An Authorized User is any person to whom an Applicant or use of the Account.  An Authorized User is any person to whom an Applicant or  obtain the interest component of the Finance Charge.  obtain the interest component of the Finance Charge.  obtain the interest component of the Finance Charge. E. OTHER CHARGES E. OTHER CHARGES E. OTHER CHARGES You agree to promptly notify us of any information that affects your You agree to promptly notify us of any information that affects your You agree to promptly notify us of any information that affects your
 borrower does not pay. You may also have to pay late fees or 1.  You affirm that any Account established for you under this Agreement will be 1.  You affirm that any Account established for you under this Agreement wil 1.  You affirm that any Account established for you under this Agreement will be l be
 of unauthorized Card activity was not made  in good faith may be P.O. Box 23040, Albuquerque, NM 87192-9910 APR for Cash Same as above Co-Signer has given actual, implied or apparent permission the Account.  Co-Signer has given actual, implied or apparent permission the Account.  Co-Signer has given actual, implied or apparent permission the Account.  7.  We will apply payments on your  7.  We will apply payments on your Account first to fees such as late 7.  We will apply payments on your Account first to fees such as late Account first to fees such as late You will pay the following fees in connection with breach of your You will pay the following fees in connection with breach of your You will pay the following fees in connection with breach of your credit-worthiness or ability to pay, including but not limited to changes in credit-worthiness or ability to pay, including but not limited to changes in credit-worthiness or ability to pay, including but not limited to changes in
 What To Do If You Find A Mistake on Your Statement used for personal, family or household  used for personal, family or household purposes and not for business purposes. used for personal, family or household purposes and not for business purposes. purposes and not for business purposes.
 grounds for closing your Account to future use. If we decide that you collection costs, which increase this amount. Advances 3. Each Applicant and Co-Signer remains obligated to repay all ob 3. Each Applicant and Co-Signer remains obligated to repay all ob 3. Each Applicant and Co-Signer remains obligated to repay all obligations ligations ligations fees, then to interest, then to principal. If your payment exceeds the fees, then to interest, then to principal. If your payment exceeds the fees, then to interest, then to principal. If your payment exceeds the  obligations or services you request:  obligations or services you request:  obligations or services you request: your name, address or employment. You agree not to use your   your name, address or employment. You agree not to use your   your name, address or employment. You agree not to use your   Account Account Account
 While we investigate, the same rules apply to the disputed amount as 2.  If the Credit Union approves your application, each Applicant will be issued 2.  If the Credit Union approves your application, each Applicant will be issued 2.  If the Credit Union approves your application, each Applicant will be issued
 have an excessive number of lost or stolen cards, we may not issue a If you think there is an error on your statement, you must write to us The creditor can collect this debt from you without first try-  incurred under this Agreement until we are notified in writing to close the    incurred under this Agreement until we are notified in writing to close the    incurred under this Agreement until we are notified in writing to close the   Account Account Account  required minimum, any excess will be applied to higher rate balances  required minimum, any excess will be applied to higher rate balances  required minimum, any excess will be applied to higher rate balances for new transactions if you have reason to believe you will be  unable to for new transactions if you have reason to believe you will be  unable to for new transactions if you have reason to believe you will be  unable to
 discussed above. After we finish our investigation, we will tell you our a Card and will be able to use the Account. a Card and will be able to use the Account. a Card and will be able to use the Account. Returned Payment Instrument . . . . . . . . . . . . . up to $20.00 per returned item Returned Payment Instrument . . . . . . . . . . . . . up to $20.00 per returned item Returned Payment Instrument . . . . . . . . . . . . . up to $20.00 per returned item
  replacement card or open a new account for you.  at:   Sandia Laboratory Federal Credit Union, ATTN: Card Services Penalty APR and None and all issued Cards are returned to us. Closing of the Account will not relieve and all issued Cards are returned to us. Closing of the Account will not relieve and all issued Cards are returned to us. Closing of the Account will not relieve before it is  applied to lower rate balances. If purchase and cash advance before it is  applied to lower rate balances. If purchase and cash advance before it is  applied to lower rate balances. If purchase and cash advance pay what you owe.  pay what you owe.  pay what you owe. 
  decision. At that point, if we think you owe an amount and you do not pay, we ing to collect from the borrower. The creditor can use the same 3.  To make a purchase or get a cash advance, you can present the Card to a 3.  To make a purchase or get a cash advance, you can present the Card to a 3.  To make a purchase or get a cash advance, you can present the Card to a
 P.O. Box 23040, Albuquerque, NM 87192-9910 When It Applies          any Applicant or Co-Signer of payment obligations incurred prior to our receipt of any Applicant or Co-Signer of payment obligations incurred prior to our receipt of any Applicant or Co-Signer of pay ment obligations incurred prior to our receipt of balances bear interest at the same rate, payments are applied first to balances bear interest at the same rate, payments are applied f balances bear interest at the same rate, payments are applied f irst to irst to Account Research. . . . . . . . . . . . . . . . . . . . . $20.00 per hour, $5.00 minimum, Account Research. . . . . . . . . . . . . . . . . . . . . $20.00 per hour, $5.00 minimum, Account Research. . . . . . . . . . . . . . . . . . . . . $20.00 per hour, $5.00 minimum,
 2.  Merchant Disputes. We are not responsible for the refusal of any
 may report you as delinquent.    participating VISA / MasterCard plan merchant, to the Credit Union, or to  another participating VISA / MasterCard plan merchant, to the Credit Union, or to  another participating VISA / MasterCard plan merchant, to the Credit Union, or to  another
 merchant or other financial institution to honor you Card. We are In your letter give us the following information: collection methods against you that can be used against the notice to close the Account. notice to close the Account. notice to close the Account.  previously billed  purchases, then to previously billed cash advances,  previously billed  purchases, then to previously billed cash advances,  previously billed  purchases, then to previously billed cash advances, waived if Credit Union error is revealed waived if Credit Union error is revealed waived if Credit Union error is revealed J.  ADDITIONAL TERMS APPLICABLE TO CO-SIGNERS J.  ADDITIONAL TERMS APPLICABLE TO CO-SIGNERS J.  ADDITIONAL TERMS APPLICABLE TO CO-SIGNERS
     How To Avoid Your due date is at least 25 days after the financial institution, and sign the sales or cash advance draft imprinted with your financial institution, and sign the sales  financial institution, and sign the sales or cash advance draft imprinted with your or cash advance draft imprinted with your
  subject to good faith claims and defenses recognized by law (other � Account information: Your name and account number. 5.  Each Applicant and Co-Signer remains bound to repay all obligations 5.  Each Applicant and Co-Signer remains bound to repay all obligations 5.  Each Applicant and Co-Signer remains bound to repay all obligations then to curr then to current cash  advances, then to current purchases. then to current cash  advances, then to current purchases. ent cash  advances, then to current purchases. AND CO-APPLICANTS AND CO-APPLICANTS AND CO-APPLICANTS
 NOTICE TO CALIFORNIA RESIDENTS borrower, such as suing you, garnishing your wages, etc. If Ca Card number. Keep sales and cash advance drafts to reconcile your monthly rd number. Keep sales and cash advance drafts to reconcile your monthly Card number. Keep sales and cash advance drafts to reconcile your monthly Late Payment Late Payment Late Payment . . up to $20.00 if the payment is received one or more days late . . up to $20.00  . . up to $20.00  if the payment is received one or more days late if the payment is received one or more days late
 than tort claims) arising out of goods or services you purchase with Paying Interest close of each billing cycle. We will not charge
 � Dollar amount: The dollar amount of the suspected error.           incurred under this Agreement, even though an  incurred under this Agreement, even though an  incurred under this Agreement, even though another person has been directed to other person has been directed to other person has been directed to 8.  You can repay the balance you owe, including accrued finance 8.  You can repay the balance you owe, including accrued finance 8.  You can repay the balance you owe, including accrued finance As a Co-Signer or Co-Applicant, you understand and agree that you As a Co-Signer or Co-Applicant, you understand and agree that you As a Co-Signer or Co-Applicant, you understand and agree that you
 Under California law, our right to recover credit extended to you for credit this debt is ever in default, that fact may  become part of your statements. You can also make purchases by giving your Card number to a statements. You can also make purchases by giving your Card number to a statements. You can also make  purchases by giving your Card number to a Over- Over-the-Credit-Limit . . . . . . . . . . . . . . . . . . up to $20.00 if you opt-in allowing   the-Credit-Limit . . . . . . . . . . . . . . . . . . up to $20.00 if you opt-in allowing   Over-the-Credit-Limit . . . . . . . . . . . . . . . . . . up to $20.00 if you opt-in allowing  
 the Card, but only if you have made a good faith attempt but have been � Description of the problem: If you think there is an error on your you any interest on purchases if you pay your pay the debt by an agreement or court order to which we are not a party, such as pay the debt by an agreement or court order to which we are not a party, such as pay the debt by an agreement or court order to which we are not a party, such as charges, in full at any time without a prepayment penalty. charges, in full at any time without a prepayment penalty. charges, in full at any time without a prepayment penalty. are obligated to repay any credit extended under this Agreement up to are obligated to repay any credit extended under this Agreement up to are obligated to repay any credit extended under this Agreement up to
 card purchases is subject to any defenses that you have against the seller if:  merchant by telephone, over the Internet, or by other means, in which case your  merchant by telephone, over the Internet, or by other means, in which case your  merchant by telephone, over the Internet, or by other means, in which case your your credit limit to be exceeded your credit limit to be exceeded your credit limit to be exceeded
 unable to obtain satisfaction from the plan merchant and (a) your statement, describe what you believe is wrong and why you  believe credit record. entire balance by the due date each month. a divorce decree. Any release from the obligation to pay under this Agreement a divorce decree. Any release from the obligation to pay under this Agreement a divorce decree. Any release from the obligation to pay under this Agreement 9.  Increases  9.  Increases  9.  Increases  in  in  the  the  in  outstanding  outstanding  the  outstanding  balance  balance  balance  increase  increase  increase  the  the  required required the  required the credit limit, whether or not you get the money borrowed or the the credit limit, whether or not you get the money borrowed or the the credit limit, whether or not you get the money borrowed or the
 1. The purchase price of the item in question exceeded $50; only record of the transaction may be your monthly statement. You can also only record of the transaction may be your monthly statement. You can also only record of the transaction may be your monthly statement. You can also
  purchase was made in response to an advertisement we sent or       must be either (a) in writing and signed by an authorized SLFCU employee or must be either (a) in writing and signed by an authorized SLFCU employee or must be either ( a) in writing and signed by an authorized SLFCU employee or  minimum payment, which will be reflected in the monthly statement.  minimum payment, which will be reflected in the monthly statement.  minimum payment, which will be reflected in the monthly statement.     Plastic Card Replacement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5.00 each Plastic Card Replacement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5.00 each   Plastic Card Replacement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5.00 each
 it is a mistake. We will begin charging interest on cash                                                                                                                    property purchased or otherwise benefit from the extension of credit.  property purchased or otherwise benefit from the extension of credit.  property purchased or otherwise benefit from the extension of credit.
 2. The purchase was made in California; This notice is not the contract that makes you liable  access the Account to obtain cash advances at designated ATMs, subject to  access the Account to obtain cash advances at designated ATM  access the Account to obtain cash advances at designated ATMs, subject to s, subject to
  participated in sending you; (b) your purchase was made from a     (b) pursuant to a court order in an action to which SLFCU is a party. (b) pursuant to a court order in an action to which SLFCU is a party. (b) pursuant to a court order in an action to which SLFCU is a party. 10. 10. We will send you periodic statements of your Account which will  advise We will send you periodic statements of your Account which will  advise 10. We will send you periodic statements of your Account which will  advise Cash Advance Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5.00 each Cash Advance Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5.00 each You understand that if you had not agreed to be obligated to repay the You understand that if you had not agreed to be obligated to repay the You understand that if you had not agreed to be obligated to repay the
 You must contact us:                                                                                                                        Cash Advance Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5.00 each
 3. You made a written demand on the retailer and made a good faith  advances and balance transfers on the  additional ATM terms at the e  additional ATM terms at the end of this Agreement, and to obtain cash advances  additional ATM terms at the end of this Agreement, and to obtain cash advances nd of this Agreement, and to obtain cash advances
  merchant we own or operate; or (c) your purchase cost more than $5 0 for the debt. 6.  Co-Signers, who do not have access to the Account but are liab 6.  Co-Signers, who do not have access to the Account but are liab 6.  Co-Signers, who do not have access to the Account but are liable to repay le to repay le to repay you of the status of your Account and any information required by law. you of the status of your Account and any information required by law. you of the status of your Account and any information required by law. credit extended, we would not have approved the credit application. credit extended, we would not have approved the credit application. credit extended, we would not have approved the credit application.
 � Within 60 days after the error appeared on your statement.  attempt to get satisfaction of your complaint; and  transaction date.  via CU@home online banking in the form of either a deposit of the advance via CU@home online banking in the form of either a deposit of the advance via CU@home online banking in the form of either a  deposit of the advance Statement Copy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $2.00 per page Statement Copy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $2.00 per page Statement Copy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $2.00 per page
 and was made from a merchant in your state or within 100 miles of your it, acknowledge receipt of a copy of this Agreement as well as the separate  Notice it, acknowledge receipt of a copy of this Agreement as well as the separate  Notice it, acknowledge receipt of a copy of this Agreement as well as the separate  Notice 11. 11. You will make monthly payments on or before the due date specified You will make monthly payments on or before the due date specified 11. You will make monthly payments on or before the due date specified We can proceed against you if payments are delinquent even before We can proceed against you if payments are delinquent even before We can proceed against you if payments are delinquent even before
 � At least 3 business days before an automatic payment is scheduled, 4. You notify us in writing of  the name of the seller, the date of purchase, the amount to an SLFCU  account that you designate or a check payable to you and amount to an SLFCU  account that you designate or a check payable to you and amount to an SLFCU  account that you designate or a check payable to you and
 home. We are relieved from any liability if you have already paid us for AISO PARA EL FIADOR to Co-Signer. to Co-Signer. to Co-Signer. in your periodic statements. in your periodic statements. in your periodic statements.  seeking to  recover from any other applicant or co-signer. We will give  seeking to  recover from any other applicant or co-signer. We will give  seeking to  recover from any other applicant or co-signer. We will give
 if you want to stop payment on the amount you think is wrong. price paid, the goods or services purchased, and the acts that you took to mailed to you at the  address we have for you in our records.  mailed to you at the  address we have for you in our records.  mailed to you at the  address we have for you in our records. 
    Minimum Interest                                                                                                                       You will also pay direct costs that the Credit Union incurs for complying You will also pay direct costs that the Credit Union incurs for complying You will also pay direct costs that the Credit Union incurs for complying
 the  disputed transaction. Any other disputes you must resolve directly (Spanish Translation Required by Law) None 12. 12. If at any time your current unpaid Account balance exceeds your If at any time your current unpaid Account balance exceeds your 12. If at any time your current unpaid Account balance exceeds your you you  notice required by law of any action we take that could adversely  notice required by law of any action we take that could adversely you  notice required by law of any action we take that could adversely
 You must notify us of any potential errors in  writing. You may call us  obtain satisfaction from the seller.  4.  We may issue courtesy checks on this Account from time to time.  Any 4.  We may issue courtesy checks on this Account from time to time.  Any 4.  We may issue courtesy checks on this Account from time to time.  Any with your special service requests, such as delivery fees for overnight with your special service requests, such as delivery fees for overnight with your special service requests, such as delivery fees for overnight
 with the merchant. Charge                                           C. CREDIT REVIEW C. CREDIT REVIEW C. CREDIT REVIEW  authorized credit limit, you must, upon our written demand, immediately make  authorized credit limit, you must, upon our written demand, immediately make  authorized credit limit, you must, upon our written demand, immediately make  affect you. We will tell you of any delinquency for which we intend to  affect you. We will tell you of any delinquency for which we intend to  affect you. We will tell you of any delinquency for which we intend to
 at (800) 947-5328 or (505) 293-0500, but if you do not notify us in writing, The amount to which the defense applies is limited to the amount Applicant may sign a courtesy check payable to any person or entity that accepts   Applicant may sign a courtesy check payable to any person or entity that accepts   Applicant may sign a courtesy check payable to any person or entity that accepts    shipment of replacement plastic cards.  shipment of replacement plastic cards.  shipment of replacement plastic cards.
 3.  Credits: A merchant who honors your Card and gives you credit Se le est� pidiendo que garantice esta deuda. Pi�nselo con We will set a credit limit on your Account and review your Account from time to We will set a credit limit on your Account and review your Account from time to We will set a credit limit on your Account and review your Account from time to a single lump-sum payment to reduce your balance to an amount within the a single lump-sum payment to r a single lump-sum payment to r educe your balance to an amount within the educe your balance to an amount within the hold you  accountable. No extension or partial settlement with any other hold you  accountable. No extension or partial settlement with any other hold you  accountable. No extension or partial settlement with any other
 we are not required to investigate any potential errors and you may have  outstanding on the purchase as well as late charges and finance charges at personal checks. When we pay the courtesy check, it will post to the Account as a personal checks. When we pay the courtesy check, it will post to the Account as a personal checks. When we pay the courtesy check, it will post to the Account as a
 for returns or adjustments will do so by sending us a credit slip which time. We may consider your credit history with third parties such as credit  bureaus, time. We may consider your credit history with third parties such as credit  bureaus, time . We may consider your credit history with third parties such as credit  bureaus, authorized credit limit.  authorized credit limit.  authorized credit limit.  obligor on the Account will waive our rights against you as a co-signer obligor on the Account will waive our rights against you as a co-signer obligor on the Account will waive our rights against you as a co-signer
 to pay the amount in question. the time we receive the written demand. cuidado antes de ponerse de acuerdo. Si la persona que ha For Credit Card To learn more about factors to consider cash advance. There is no additional charge for printing or using courtesy checks cash advance. There is no additional charge for printing or using courtesy checks cash advance. There is no additional charge for printing or using courtesy checks
 we will post to your Account. Su bject to Section D.15 of this Agree- your history of meeting your obligations to SLFCU, and updated financial infor- your history of meeting your obligations to SLFCU, and updated financial infor- your history of meeting your obligations to SLFCU, and updated financial infor- 13. 13. Foreign Transactions:  For  VISA Foreign Transactions:  For  VISA 13. Foreign Transactions:  For  VISA � � transactions  initiated  in  foreign transactions  initiated  in  foreign � transactions  initiated  in  foreign F.  REBATES F.  REBATES F.  REBATES
                                                                                                                                                                            or co-applicant. You can stop being obligated for future transactions by or co-applicant. You can stop being obligated for future transactions by or co-applicant. You can stop being obligated for future transactions by
 This remedy is the only one you have against us. Your rights  are limited to Tips from the when applying for or using a credit other than the cash advance fee, but if you request special handling, such as a other than the cash advance fee, but if you request special handling, such as a other than the cash advance fee, but if you request special handling, such as a
 ment, if your credits and/or payments exceed what you owe, we will What Will Happen After We Receive Your Letter pedido este pr�stamo no paga la deuda, usted  tendr� que ces on your Account in any calendar year, a
                                                                     mation we request from you. Based  mation we request from you. Based  mation we request from you. Based on our review, we may increase or  decrease on our review, we may increase or  decrease on our review, we may increase or  decrease  currencies, the exchange rate between the transaction currency and the billing  currencies, the exchange rate between the transaction currency and the billing  currencies, the exchange rate between the transaction currency and the billing If you charge goods or servi If you charge goods or services on your Account in any calendar year, a If you charge goods or services on your Account in any calendar year, a
                                                                                                                                                                             writing to us to that effect, but will remain o  writing to us to that effect, but will remain o  writing to us to that effect, but will remain o bligated to pay any amounts bligated to pay any amounts bligated to pay any amounts
 those circumstances outlined in California Civil Code �1747.90. Purchases card, visit the website of the Consumer stop payment, we may charge you the same fee we would charge for the same stop payment, we may charge you the same fee we would charge for the same stop payment, we may charge you the same fee we would charge for the same
   Consumer Financial                                                                                                                      credit (rebate) equal to 0.5% (VISA Classic Rebate Card, MasterCard
                                                                     your credit limit, increase or decrease your interest rate, or close your   your credit limit, increase or decrease your interest rate, or close your   your credit limit, increase or decrease your interest rate, or close your   Account. Account. Account. currency (U.S. dollars) will be (a) a rate selected by VISA currency (U.S. dollars) will be (a) a rate selected by VISA currency (U.S. dollars) will be (a) a rate selected by VISA � from the range of � from the range of � from the range of credit (rebate) equal to 0.5% (VISA Classic Rebate Card, credit (rebate) equal to 0.5% (VISA Classic Rebate Card, MasterCard MasterCard
 hold and apply this credit balance against future transactions, or When we receive your letter, we must do two things:  pagarla. Est� seguro de que usted podr� pagar si sea obligado borrowed prior to our receipt of your notice. borrowed prior to our receipt of your notice. borrowed prior to our receipt of your notice.
 with cash or check are not included in this section even though you used your Financial Protection Bureau at service on a regular service on a regular service on a regular SLFCU check (share draft). Fees for special handling o SLFCU check SLFCU check (share draft). Fees for special handling of  (share draft). Fees for special handling of f
   Protection Bureau                                                 We will give you notice required by law if we make changes adverse to you. You We will give you notice required by law if we make changes adverse to you. You We will give you notice required by law if we make changes adverse to you. You rates available in wholesale currency markets for the applicable central rates available in wholesale currency markets for the applicable central rates available in wholesale currency markets for the applicable central  Rebate Card, VISA Student Rebate Card) or 0.75% (VISA Gold Card) of  Rebate Card, VISA Student Rebate Card) or 0.75% (VISA Gold Card) of  Rebate Card, VISA Student Rebate Card) or 0.75% (VISA Gold Card) of
  refund it on your written request if it is $1.00 or more. 1.   Within 30 days of receiving your letter, we must tell you that we
 credit card to validate your credit.  a pagarla y de que usted desea aceptar la responsabilidad. www.consumerfinance.gov/learnmore checks are shown on the SLFCU Fee Schedule. If you do not wish to use  courtesy checks are shown on the SLFCU Fee Schedule. If you do not wish to use  courtesy checks are shown on the SLFCU Fee Schedule. If you do not wish to use  courtesy
                                                                     can request a credit limit increase by submitting a written application to us. can request a credit limit increase by submitting a written application to us. ca n request a credit limit increase by submitting a written application to us.  processing date, which rate may vary from the rate VISA  processing date, which rate may vary from the rate VISA  processing date, which rate may vary from the rate VISA � itself receives, or � itself receives, or � itself receives, or all purchases during the year will be paid to you annually. The rebate will all purchases during the year will be paid to you annually. The rebate will all purchases during the year will be paid to you annually. The rebate will
 received your letter.  We will also tell you if we have already                                                                                                            K. DEFAULT�LIEN�ACCELERATION K. DEFAULT�LIEN�ACCELERATION K. DEFAULT�LIEN�ACCELERATION
 We cannot penalize you by either giving out unfavorable credit information checks,  destroy them. You agree to notify us  immediately if courtesy checks  issued checks,  destroy them. You agree to notify us  immediately if courtesy checks  issued checks,  destroy them. You agree to notify us  immediately if courtesy checks  issued
 N. TERMINATION  corrected the error. Si la persona que ha pedido el pr�stamo no paga la deuda, Fees All Credit Cards issued or re-issued are subject to approval. If your Account has All Credit Cards issued or re-issued are subject to approval. If your Account has All Credit Cards issued or re-issued are subject to approval. If your Account has (b)  the  government-mandated  rate  in  effect  for  the  applicable  central (b)  the  government-mandated  rate  in  effect  for  the  applicable  central (b)  the  government-mandated  rate  in  effect  for  the  applicable  central be paid in the form of a credit to your Account.  We reserve the right to be paid in the form of a credit to your Account.  We reserve the right to be paid in the form of a credit to your Account.  We reserve the right to 1.  If you fail to make your agreed payment within 10 days after the 1.  If you fail to make your agreed payment within 10 days after the 1.  If you fail to make your agreed payment within 10 days after the
 about you or canceling or refusing to renew your credit card solely  because to you are lost or stolen and to report any unauthorized special checks that appear to you are lost or stolen and to report any unauthorized special checks that appear to you are lost or stolen and to report any unauthorized special checks that appear
 1.  We may terminate this Agreement and close your Account at any 2.   Within 90 days of receiving your letter, we must either correct the been inactive for six consecutive mon been inactive for six consecutive mon been inactive for six consecutive months, it may not be automatically renewed. ths, it may not be automatically renewed. ths, it may not be automatically renewed.  processing date. For MasterCard  processing date. For MasterCard  processing date. For MasterCard � transactions initiated in foreign currencies, � transactions initiated in foreign currencies, � transactions initiated in foreign currencies, revoke rebates if you use your card for business purpose transactions or     revoke rebates if you   revoke rebates if you  use your card for business purpose transactions or  use your card for business purpose transactions or due date, you authorize us to apply any SLFCU shares in which you due date, you authorize us to apply any SLFCU shares in which you due date, you authorize us to apply any SLFCU shares in which you
 you obtained relief under the remedies you have f or correcting billing errors. es posible que usted tenga que pagar la suma total de la on your Account statements. We operate in an automated check-processing on your Account statements. We operate in an automated check-processing on your Account statements. We operate in an automated check-processing tr ansactions we reasonably determine to be illegal.  transactions we reasonably determine to be illegal.  transactions we reasonably determine to be illegal. 
 time by sending you a written notice of the termination and the lawful error or explain to you why we believe the bill is correct. Annual Fees None the exchange rate will be a either a government-mandated exchange rate or the exchange rate will be a either a government-mandated exchange rate or the exchange rate will be a either a government-mandated exchange rate or have an interest (unless prohibited by law or the share agreement) to have an interest (unless prohibited by law or the share agreement) to have an interest (unless prohibited by law or the share agreement) to
 deuda, mas los cargos por tardarse en el pago o el costo de  environment and in almost all cases we do not physically  examine checks that  environment and in almost all cases we do not physically  examine checks that  environment and in almost all cases we do not physically  examine checks that
 business reasons for so doing.                                      D. REPAYMENT TERMS D. REPAYMENT TERMS D. REPAYMENT TERMS a wholesale exchange rate selected by MasterCard a wholesale exchange rate selected by MasterCard a wholesale exchange rate selected by MasterCard � International on the day � International on the day � International on the day pay off, in full or in part, the outstanding balance on your Account. pay off, in full or in part, the outstanding balance on your Account. pay off, in full or in part, the outstanding balance on your Account.
 While we investigate whether or not there has been an error: ATM DISCLOSURE cle clear. You agree that we have the right but not the obligation to refuse to pay ar. You agree that we have the right but not the obligation to refuse to pay clear. You agree that we have the right but not the obligation to refuse to pay G. SECURITY INTERESTS G. SECURITY INTERESTS G. SECURITY INTERESTS
 2. We can close your Account without prior notice if you fail to pay on cobranza, lo cual aumenta el total de esta suma.  1.  You promise to pay SLFCU or order (a) at one of our offices or (b) by mail- 1.  You promise to pay SLFCU or order (a) at one of our offices or (b) by mail- 1.  You promise to pay SLFCU or order (a) at one of our offices or (b) by mail- they process the transaction, which may differ from the rate that applied on they process the transaction, which may differ from the rate that applied on they process the transaction, which may differ from the rate that applied on  Unless your Account is secur  Unless your Account is secur  Unless your Account is secur ed by a pledge of specific shares this ed by a pledge of specific shares this ed by a pledge of specific shares this
 � We cannot try to collect the amount in question, or report you as Transaction Fees  courtesy checks that are not signed by an Applicant, and we will not be respon sible  courtesy checks that are not signed by an Applicant, and we will not be respon sible  courtesy checks that ar e not signed by an Applicant, and we will not be respon sible
 This part of this disclosure includes special provisions applicable to the use                                                             1.  In consideration for and as a condition of SLFCU issuing a credit 1.  In consideration for and as a condition of SLFCU issuing a credit 1.  In consideration for and as a condition of SLFCU issuing a credit
 time, or we have evidence or a reasonable belief that you are unable or ing payment to us at the address designated on your billing statement, all sums ing payment to us at the address designated on your billing statement, all sums ing payment to us at the address designated on your billing statemen t, all sums the day the transaction took place or the day the transaction posted to your the day the transaction took place or the day the transaction posted to your the day the transaction took place or the day the transaction posted to your  consent (a) will not restrict your right to withdraw funds prior to our  consent (a) will not restrict your right to withdraw funds prior to our  consent (a) will not restrict your right to withdraw funds prior to our
 delinquent on that amount.      for any  unauthorized courtesy checks if you fail to  report them within 60 days after for any  unauthorized courtesy checks if you fail to  report them within 60 days after
 of the Card to obtain cash advances at Automated Teller Machines (ATMs). El  acreedor  (financiero)  puede  cobrarle  a  usted  sin, for any  unauthorized courtesy checks if you fail to  report them within 60 days after
   � Balance Transfers None                                                                                       � and MasterCard � and MasterCard � and MasterCard � , if a transaction is initiated in a � , if a transaction is initiated in a � , if a transaction is initiated in a card to you, you agree that if you do not make your required payments, card to you, you agree that if you do not make your required payments, card to you, you agree that if you do not make your required payments,
 unwilling to repay your Account balance. A significant increase in your  advanced to you under this Agreement at any time plus interest and other fees and  advanced to you under this Agreement at any time plus interest and other fees and  advanced to you under this Agreement at any time plus interest and other fees and account. For both VISA account. For both VISA account. For both VISA exercise of our rights under this consent and (b) does not constitute a exercise of our rights under this consent and (b) does not constitute a exercise of our rights under this consent and (b) does not constitute a
 � The charge in question may remain on your statement, and we may we send you the first statement on which they appear. If you wish to stop payment we send you the first statement on which they appear. If you wish to stop payment we send you the first statement on which they appear. If you wish to stop payment       we can take any SLFCU shares in which you have an interest (unless we can take any SLFCU shares in which you have an interest (unless we can take any SLFCU shares in which you have an interest (unless
 obligations, your filing for bankruptcy relief, your unemployment, your This disclosure addresses only credit card cash advances at ATMs. Refer to primeramente, tratar do cobrarle al deudor. Los mismos meto- � Cash Advances $5.00 charges incurred under this Agreement. The Finance Charge is the amount of charges incurred under this Agreement. The Finance Charge is the amount of charges incurred under this Agreement. The Finance Charge is the amount of foreign country or foreign currency, a fee of 1% of the transaction foreign country or foreign currency, a fee of 1% of the transaction foreign country or foreign currency, a fee of 1% of the transaction pledge of any share account. Our exercise of our rights under this pledge of any share account. Our exercise of our rights under this pledge of any share account. Our exercise of our rights under this
 con tinue to charge you interest on that amount. on a courtesy check, you must notify us before the check is presented to us for on a courtesy check, you must  on a courtesy check, you must notify us before the check is presented to us for notify us before the check is presented to us for  prohibited by law or the share agreement) to recover all or part of what  prohibited by law or the share agreement) to recover all or part of what  prohibited by law or the share agreement) to recover all or part of what
 failure to meet other obligations you have to us, or your death, are your separate Electronic Funds Transfer disclosure for a complete disclosure
 dos de cobranza que pueden usarse contra el deudor, podran � Foreign 1% of each transaction in US dollars money you pay for the money money you pay for the money money you pay for the money you borrow. The interest component of the  you borrow. The interest component of the  you borrow. The interest component of the amount in US dollars will be assessed. amount in US dollars will be assessed. amount in US dollars will be assessed.  consent is not an election of remedies.  consent is not an election of remedies.  consent is not an election of remedies.
 � While you do not have to pay the amount in question, you are  payment, and you must provide the exact dollar amount and check number or we  payment, and you must provide the exact dollar amount and check number or we  payment, and you must provide the exact dollar amount and check number or we
  examples of circumstances that could lead u s to close your Account of terms applicable to ATM Cards and Debit Cards.                    you  owe  without  advance  notice  to  you.  �Shares�  includes  share
    Transactions                                                      Finance Charge is based on an Annual Percentage Rate.  Finance Charge is based on an Annual Percentage Rate. 14.  Payments in Foreign Currency. You agree to make all payments to us 14.  Payments in Foreign Currency. You agree to make all payments to us 14.  Payments in Foreign Currency. You agree to make all payments to us you  owe  without  advance  notice  to  you.  �Shares�  includes  share you  owe  without  advance  notice  to  you.  �Shares�  includes  share
                                                                         Finance Charge is based on an Annual Percentage Rate.                                               2. If you default on your Account payments, otherwise breach this 2. If you default on your Account payments, otherwise breach this 2. If you default on your Account payments, otherwise breach this
  responsible for the remainder of your balance. usarse contra usted, tales como presentar una  demanda en may not be able to find it and stop it. We will not be responsible for failure to stop may not be able to find it and stop it. We will not be responsible for failure to stop may not be able t o find it and stop it. We will not be responsible for failure to stop  (savings), money market, share draft (checking), and certificate accounts. 2.  Grace Period on Purchases: If you paid your previous statement�s 2.  Grace Period on Purchases: If you paid your previous statement�s 2.  Grace Period on Purchases: If you paid your previous statement�s in U.S. Dollars using payment instruments drawn on U.S. financial institutions. in U.S. Dollars using payment instruments drawn on U.S. financial i in U.S. Dollars using payment instruments drawn on U.S. financial i nstitutions. nstitutions.  (savings), money market, share draft (checking), and certificate accounts.  (savings), money market, share draft (checking), and certificate accounts.
 without notice. We will give you advance notice required by law for other                                                                                                  Agreement, become a bankruptcy debtor, die, or breach any other Agreement, become a bankruptcy debtor, die, or breach any other Agreement, become a bankruptcy debtor, die, or breach any other
 � We can apply any unpaid amount against your credit limit. Availab le Services  courtesy check payments if you do not give us the exact information we require in  courtesy check payments if you do not give us the exact information we require in  courtesy check payments if you do not give us the exact information we require in IRAs and other accounts subject to preferential tax treatment are not
 terminations. If we close your Account with or without notice due to your corte, quitar parte de su sueldo, etc. Si  alguna ves no se  balance in full before its due date, or you  had no previous balance at the  balance in full before its due date, or you  had no previous balance at the  balance in full before its due date, or you  had no previous balance at the We may, at our option, accept payments in foreign currency or checks drawn We may, at our option, accept payments in foreign currency or checks drawn We may, at our option, accept payments in foreign currency or checks drawn IRAs and other accounts subject to preferential tax treatment are not IRAs and other accounts subject to preferential tax treatment are not agreement you have with us, we may without notice declare the entire agreement you have with us, we may without notice declare the entire agreement you have with us, we may without notice declare the entire
 The ATM you use may restrict the number of credit card transactions and sufficient time (at least one business day prior to  presentment) for us to act on your sufficient time (at least one business day prior to  presentment) for us to act on your sufficient time (at least one business day prior to  presentment) for us to act on your  included.  included.  included.
 breach of this Agreement or any other agreement you have with us, your After we finish our investigation, one of two things will happen: Penalty Fees  beginning of the billing cycle, you will have a grace period of 25 days on  beginning of the billing cycle, you will have a grace period of 25 days on  beginning of the billing cycle, you will have a grace period of 25 days on on n on non-U.S. banks. If we do, we may impose service and collection charges, on-U.S. banks. If we do, we may impose service and collection charges, on non-U.S. banks. If we do, we may impose service and collection charges, unpaid balance of your Account immediately due and payable in full. unpaid balance of your Account immediately due and payable in full. unpaid balance of your Account immediately due and payable in full.
 the amount of each transaction.  Each ATM owner determines hours of cumpla con la obligaci�n de pagar esta deuda, se puede request. Merchant dispute rights do not apply to courtesy chec request. Merchant d request. Merchant dispute rights do not apply to courtesy checks, and if a courtesy ispute rights do not apply to courtesy checks, and if a courtesy ks, and if a courtesy
 � If we made a mistake: You will not have to pay the amount in                                                                             2.  This consent does not restrict your right to withdraw funds prior 2.  This consent does not restrict your right to withdraw funds prior 2.  This consent does not restrict your right to withdraw funds prior
 death or your bankruptcy, we can demand that you pay off the  entire bal- � Late Payment Up to $20  average to pay your purchase balance without interest finance charges. If you  average to pay your purchase balance without interest finance charges. If you  average to pay your purchase balance without interest finance charges. If you and you agree the charges we set will be final. and you agree the charges we set will be final. and you agree the charges we set will be final.  Interest will continue to accrue on your Account at the rate called for in  Interest will continue to accrue on your Account at the rate called for in  Interest will continue to accrue on your Account at the rate called for in
  service, but ATMs are generally available 24 hours a day, 7 days a week, incluir esa informaci�n en la historia de credito de usted. check clears, you must resolve any  disputes directly with the payee.  check clears, you must resolve any  disputes directly with the payee.  check clears, you must resolve any  disputes directly with the payee. 
  question or any interest or other fees related to that amount.                                                                           to your default and our exercise of our rights consistent with this consent, to your default and our exercise of our rights consistent with this consent, to your default and our exercise of our rights consistent with this consent,
 ance at once.   � Over-the-Credit Up to $20                         do not pay your  balance in full before the end of the grace period,  interest will do not pay your  balance in full before the end of the grace period,  interest will do not pay your  balance in full before the end of the grace period,  interest will 15.  Payment Holds. We will promptly credit your payments as required by 15.  Payment Holds. We will promptly credit your payments as required by 15.  Payment Holds. We will promptly credit your payments as required by this Agreement even after your default and acceleration of the obligation. this Agreement even after your default and acceleration of the obligation. this Agreement even after your default and acceleration of the obligation.
  subject to periodic closures for maintenance. 5.  This Account will be open-end or revolving. This means you can borrow the 5.  This Account will be open-end or revolving. This means you can borrow the 5.  This Account will be open-end or revolving. This means you can borrow the and is not a pledge by you of any shares. and is not a pledge by you of any shares. and is not a pledge by you of any shares.
 3.  You can close your Account by sending us a written request and � If we do not believe there was a mistake: You will have to pay the Este aviso no es el contrato mismo en que se le hecha Limit be assessed on your entire outstanding balance including new purchases. be assessed on your entire outstanding balance including new purchases. be assessed on your entire outstanding balance including new purchases. law. We may, however, delay for the maximum time allowed by law increasing law. We may, however, delay for the maximum time allowed by law increasing law. We may, however, delay for the maximum time allowed by law increasing
                                  full amount of the credit limit, repay the principal in full or in part, and borrow again full amount of the credit limit, repay the principal in full or in part, and borrow again full amount of the credit limit, repay the principal in full or in part, and borrow again
 amount in question, along with applicable interest and fees. We will                                                                       3.  Our exercise of our rights under this consent will not be an  election 3.  Our exercise of our rights under this consent will not be an  election 3.  Our exercise of our rights under this consent will not be an  election
 cutting all issued Cards and courtesy checks in half and returning them Documentation of Transactions 3. The interest rate on your Account will depend on which credit card you 3. The interest rate on your Account will depend on which credit card you 3. The interest rate on your Account will depend on which credit card you your available credit or refunding credit balances until final collection of non- your available credit or refunding credit balances until final collection of non- your available credit or refunding credit balances until final collection of non- L. COLLECTION COSTS L. COLLECTION COSTS L. COLLECTION COSTS
 a usted la responsabilidad de la deuda. � Returned Up to $20 up to your credit limit as long as you remain creditworthy and a member of SLFCU up to your credit limit as long as you remain creditworthy and a member of SLFCU up to your credit limit as long as you remain creditworthy and a member of SLFCU of remedies. of remedies. of remedies.
 to us.  send you a statement of the amount you owe and the date  payment The ATM may generate a receipt for cash advance transaction, and ATM request and will be established when we open your Account. The ANNUAL request and will be established when we open your Account. The ANNUAL request and will be established when we open your Account. The ANNUAL cash items presented to pay your Account. A delay in increasing your available cash items presented to pay your Account. A delay in increasing your available cash items presented to pay your Account. A delay in increasing your available You agree to pay all reasonable collection costs we incur before we You agree to pay all reasonable collection costs we incur before we You agree to pay all reasonable collection costs we incur before we
    Payment                       in good standing. in good standing. in good standing. To remain in good standing, you must meet all of your To remain in good standing, you must meet all of your To remain in good standing, you must meet all of your
 is due. We may then report you as delinquent if you do not pay the                                                                         4.  Specific Account Pledge: You may be allowed or required to pledge 4.  Specific Account Pledge: You may be allowed or required to pledge 4.  Specific Account Pledge: You may be allowed or required to pledge
 cash advance transactions will appe ar on your monthly statement.   PERCENTAGE RATE and Monthly Periodic Rate for our Credit Card   PERCENTAGE RATE and Monthly Periodic Rate for our Credit Card   PERCENTAGE RATE and Monthly Periodic Rate for our Credit Card   Account Account Account credit or issuing a refund will not by itself result in increased finance charges, credit or issuing a refund will not by itself result in increased finance charges, credit or issuing a refund will not by itself result in increased finance charges, take legal action against you. If we take legal action against you to take legal action against you. If we take legal action against you to take legal action against you. If we take legal action against you to
                                   obligations to SLFCU.  obligations to SLFCU.  obligations to SLFCU.
 amount we think you owe.                                                                                                                  specific SLFCU shares as security for the repayment of all credit extended specific SLFCU shares as security for the repayment of all credit extended specific SLFCU shares as security for the repayment of all credit extended
 � 2013 Greene & Allison LLP. All rights reserved.  
                         M # 110057-B
 How We Will Calculate Your Balance: Average daily balance including new 6.  We have the right to refuse to allow you to use your Account for new trans- programs are shown at the top of this Agreement. You will receive a sep- but if an item presented for payment on your Account is returned unpaid, to you under this Agreement. The dollar amount pledged and the share  collect on this Account, you agree to pay our reasonable at torney�s  collect on this Account, you agree to pay our reasonable at torney�s  collect on this Account, you agree to pay our reasonable at torney�s  collect on this Account, you agree to pay our reasonable at torney�s 4.  If we or you close your Account, you agree to surrender all issued 4.  If we or you close your Account, you agree to surrender all issued 4.  If we or you close your Account, you agree to surrender all issued 4.  If we or you close your Account, you agree to surrender all issued If you receive our explanation but still believe your bill is wrong, you If you receive our explanation but still believe your bill is wrong, you If you receive our explanation but still believe your bill is wrong, you If you receive our explanation but still believe your bill is wrong, you
                                                                                                                                         Credit Union Liability Credit Union Liability Credit Union Liability Credit Union Liability
  purchases. See your account agreement for more details.  actions. We will notify you in writing of the reason for any such denial of credit. arate written notice before you become obligated informing you of the we can assess finance charges retroactive to the date the payment was   account (s) will be shown on a separate security agreement. You will not fees and court costs. You will pay our reasonable attorney�s fees and fees and court costs. You will pay our reasonable attorney�s fees and fees and court costs. You will pay our reasonable attorney�s fees and fees and court costs. You will pay our reasonable attorney�s fees and Cards and courtesy checks to us. The Cards and courtesy checks remain Cards and courtesy checks to us. The Cards and courtesy checks remain Cards and courtesy checks to us. The Cards and courtesy checks remain Cards and courtesy checks to us. The Cards and courtesy checks remain must write to us within 10 days telling us that you still refuse to pay. If you must write to us within 10 days telling us that you still refuse to pay. If you must write to us within 10 days telling us that you still refuse to pay. If you must write to us within 10 days telling us that you still refuse to pay. If you
                                                                                                                                          We will not be liable for failure to complete cash advance transactions if: We will not be liable for failure to complete cash advance transactions if: We will not be liable for failure to complete cash advance transactions if: We will not be liable for failure to complete cash advance transactions if:
 Reasons we can deny you credit include but are not limited to your already  having type of Credit Card Account we have opened for you and your credit credited.  be able to withdraw funds as long as the pledge is in effect. If you
 Billing Rights: Information on our rights to dispute transactions and how to court costs whether the legal action we take is a collection lawsuit, court costs whether the legal action we take is a collection lawsuit, court costs whether the legal action we take is a collection lawsuit, court costs whether the legal action we take is a collection lawsuit, our property. Even if your Account is closed, you must still pay your our property. Even if your Account is closed, you must still pay your our property. Even if your Account is closed, you must still pay your our property. Even if your Account is closed, you must still pay your do so, we cannot report you as delinquent without also reporting that you are do so, we cannot report you as delinquent without also reporting that you are do so, we cannot report you as delinquent without also reporting that you are do so, we cannot report you as delinquent without also reporting that you are
                                                                                                                                          1.  Your Account does not have available credit to make the transaction;  1.  Your Account does not have available credit to make the transaction;  1.  Your Account does not have available credit to make the transaction;  1.  Your Account does not have available credit to make the transaction; 
 borrowed up to your credit limit, an adverse change in your credit standing, your limit. Rates  applicable to your Account will also be disclosed to you on 16. Special Considerations Regarding Merchant Transactions  default in your payment obligations under this Agreement, we can apply
  exercise those rights is provided in your account agreement. a proceeding to protect our interests if you become a bankruptcy a proceeding to protect our interests if you become a bankruptcy a proceeding to protect our interests if you become a bankruptcy a proceeding to protect our interests if you become a bankruptcy  outstanding balance in full under the terms of this Agreement.  outstanding balance in full under the terms of this Agreement.  outstanding balance in full under the terms of this Agreement.  outstanding balance in full under the terms of this Agreement. questioning your bill. We must tell you the name of anyone to whom we re- questioning your bill. We must tell you the name of anyone to whom we re- questioning your bill. We must tell you the name of anyone to whom we re- questioning your bill. We must tell you the name of anyone to whom we re-
                                                                                                                                          2. The ATM system was not working properly and you knew about the break- 2. The ATM system was not working properly and you knew about the break- 2. The ATM system was not working properly and you knew about the break- 2. The ATM system was not working properly and you knew about the break-
 failure to meet loan- or account-related obligations to us, or our reasonable belief periodic   statements we will send you.  16.1 If you made a purchase and the merchant discloses a policy such the shares specifically pledged to pay off this Account in full or in part.  debtor, an appeal, an action to enforce a judgment, or any other type of debtor, an appeal, an action to enforce a judgment, or any other type of debtor, an appeal, an action to enforce a judgment, or any other type of debtor, an appeal, an action to enforce a judgment, or any other type of ported you as delinquent, and we must let those organizations know when ported you as delinquent, and we must let those organizations know when ported you as delinquent, and we must let those organizations know when ported you as delinquent, and we must let those organizations know when
                                                                                                                                         down when you started the transaction; down when you started the transaction; down when you started the transaction; down when you started the transaction;
 that a requested transaction is illegal or unauthorized.  4. We have the right to change the interest rate applicable to your as �no returns,� �no refunds,� �no credit without receipt, �as is,� �store credit 5.  Cross-Collateral: Property you have pledged to secure other the matter has been settled between us.  the matter has been settled between us.  Monthly Periodic  VISA � Gold with No Rebate: 0.77%  proceeding.  proceeding.  proceeding.  proceeding. You authorize us to add reasonable collection costs to You authorize us to add reasonable collection costs to You authorize us to add reasonable collection costs to You authorize us to add reasonable collection costs to O. GENERAL TERMS O. GENERAL TERMS O. GENERAL TERMS O. GENERAL TERMS the matter has been settled between us.  the matter has been settled between us. 
                                                                                                                                          3. Your personal identification number (PIN) or Card has been reported lost or 3. Your personal identification number (PIN) or Card has been reported lost or 3. Your personal identification number (PIN) or Card has been reported lost or 3. Your personal identification number (PIN) or Card has been reported lost or
 � � 7.  You are not permitted to use your Account for illegal transactions such as Account for any lawful reason, including but not limited to our review of   only,� or �all sales final,� you agree to be bound by that merchant�s policy.  obligations to SLFCU, other than real property and household goods, your   your   Account  balance  and  charge  interest  on  them  at  the  rate
 Rates:  VISA Classic or MasterCard with No Rebate: 0.81% your   your   Account  balance  and  charge  interest  on  them  at  the  rate Account  balance  and  charge  interest  on  them  at  the  rate Account  balance  and  charge  interest  on  them  at  the  rate This Agreement reflects your obligations to us with respect to all This Agreement reflects your obligations to us with respect to all This Agreement reflects your obligations to us with respect to all This Agreement reflects your obligations to us with respect to all If we do not follow all of the rules above, you do not have to pay the first If we do not follow all of the rules above, you do not have to pay the first If we do not follow all of the rules above, you do not have to pay the first If we do not follow all of the rules above, you do not have to pay the first
                                                                                                                                         stolen and we have blocked its use; stolen and we have blocked its use; stolen and we have blocked its use; stolen and we have blocked its use;
 �  illegal Internet gambling. We have the right but not the duty to refuse to authorize your Account (see Section C of this Agreement) by giving you notice 16.2 When you use your Account to make travel or lodging reserva- may also secure this Account if you agree in writing.
 Gold with Rebate: 0.92%               applicable to cash advances. 
 VISA                                   applicable to cash advances.   applicable to cash advances.   applicable to cash advances.  Account transactions you make even though sales, cash advance or credit   Account transactions you make even though sales, cash advance or credit   Account transactions you make even though sales, cash advance or credit   Account transactions you make even though sales, cash advance or credit   $50 of the amount you question even if your statement is correct. $50 of the amount you question even if your statement is correct. $50 of the amount you question even if your statement is correct. $50 of the amount you question even if your statement is correct.
                                                                                                                                          4. Circumstances beyond our control, such as communication malfunction, fire, 4. Circumstances beyond our control, such as communication malfunction, fire, 4. Circumstances beyond our control, such as communication malfunction, fire, 4. Circumstances beyond our control, such as communication malfunction, fire,
 � � a transaction if we reasonably believe it is illegal. Responsibility for deter -  required by law. Any increased interest rate will apply only to transac- tions, you agree to request the merchant�s cancellation policy and follow it 6.  Security interests described in this Section G apply even if credit
 Classic or MasterCard with Rebate: 0.96%                             slips you sign may contain different terms. If any part of this Agreement is slips you sign may contain different terms. If any part of this Agreement is slips you sign may contain different terms. If any part of this Agreement is slips you sign may contain different terms. If any part of this Agreement is
 VISA                                                                                                                                    flood, electrical failure, or malfunction of the central data processing facility pre- flood, electrical failure, or malfunction of the central data processing facility pre- flood, electrical failure, or malfunction of the central data processing facility pre- flood, electrical failure, or malfunction of the central data processing facility pre-
 � mining the legality of transactions rests with you, not with us. You cannot use the tions initiated at least 14 days after we send you the notice. if you cancel. Otherwise, the merchant may charge you unless you can is otherwise described as �signature� or �unsecured.� � � � � � � � �
                                      M. OTHER RIGHTS APPLICABLE TO CREDIT CARDS M. OTHER RIGHTS APPLICABLE TO CREDIT CARDS M. OTHER RIGHTS APPLICABLE TO CREDIT CARDS M. OTHER RIGHTS APPLICABLE TO CREDIT CARDS found to be invalid, the remaining provisions will continue in effect. found to be invalid, the remaining provisions will continue in effect. found to be invalid, the remaining provisions will continue in effect. found to be invalid, the remaining provisions will continue in effect. Your Rights If You Are Dissatisfied With Your Credit Card Purchases Your Rights If You Are Dissatisfied With Your Credit Card Purchases Your Rights If You Are Dissatisfied With Your Credit Card Purchases Your Rights If You Are Dissatisfied With Your Credit Card Purchases VISA VISA VISA VISA and MasterCard and MasterCard and MasterCard and MasterCard Credit Card Agreement Credit Card Agreement Credit Card Agreement Credit Card Agreement
 VISA Student Card with Rebate: 0.96%                                                                                                    vent completion of the transaction despite our reasonable precautions; or vent completion of the transaction despite our reasonable precautions; or vent completion of the transaction despite our reasonable precautions; or vent completion of the transaction despite our reasonable precautions; or
 actual or alleged illegality of an authorized transaction on your Account as a 5. Your minimum monthly payment will be the greater of 3% of the provide us with the cancellation code the merchant is required to give you. 1.  Unauthorized Use of Lost or Stolen Cards. You agree to notify us 1.  Unauthorized Use of Lost or Stolen Cards. You agree to notify us 1.  Unauthorized Use of Lost or Stolen Cards. You agree to notify us 1.  Unauthorized Use of Lost or Stolen Cards. You agree to notify us It  will  not  be  construed  against  either  party.  Federal  law,  including It  will  not  be  construed  against  either  party.  Federal  law,  including It  will  not  be  construed  against  either  party.  Federal  law,  including It  will  not  be  construed  against  either  party.  Federal  law,  including If you are dissatisfied with the goods or services that you purchased If you are dissatisfied with the goods or services that you purchased If you are dissatisfied with the goods or services that you purchased If you are dissatisfied with the goods or services that you purchased 5. We establish other lawful exceptions and notify you of them.  5. We establish other lawful exceptions and notify you of them.  5. We establish other lawful exceptions and notify you of them.  5. We establish other lawful exceptions and notify you of them.  and Truth in Lending Disclosure and Truth in Lending Disclosure and Truth in Lending Disclosure and Truth in Lending Disclosure
  defense to your obligation to pay it. current  monthly  balance  or  $20,  plus  any  over-limit  or  delinquent 16.3  If you authorize a merchant to charge your Account for repeat H.  CHANGES IN TERMS promptly of the loss, theft or other actual or possible unauthorized use promptly of the loss, theft or other actual or possible unauthorized use promptly of the loss, theft or other actual or possible unauthorized use promptly of the loss, theft or other actual or possible unauthorized use  Consumer Financial Protection Bureau Regulation Z, and any  Consumer Financial Protection Bureau Regulation Z, and any applicable  Consumer Financial Protection Bureau Regulation Z, and any applicable  Consumer Financial Protection Bureau Regulation Z, and any applicable  applicable
 The extension of credit to you under this Agreement will be subject to the  following                 with your credit card, and you have tried in good faith to correct the problem with your credit card, and you have tried in good faith to correct the problem with your credit card, and you have tried in good faith to correct the problem with your credit card, and you have tried in good faith to correct the problem
 8.  You are not permitted to transfer one SLFCU credit card balance to  amounts. If your balance is less than $20, you must pay it in full.  transactions  without your Credit Card, you will notify the merchant when We may change your Account terms, including the Annual Percentage of any Card we issue to you. Call (800) 556-5678.  of any Card we issue to you. Call (800) 556-5678.  of any Card we issue to you. Call (800) 556-5678.  of any Card we issue to you. Call (800) 556-5678.  Although you are Although you are Although you are Although you are state law not pre-empted by  federal law, will govern this Agreement�s state law not pre-empted by  federal law, will govern this Agreement�s state law not pre-empted by  federal law, will govern this Agreement�s state law not pre-empted by  federal law, will govern this Agreement�s Security Security Security Security
 terms. Parts in bold face meet Truth in Lending disclosure  require ments. Read this                  with the merchant, you may have the right not to pay the remaining amount with the merchant, you may have the right not to pay the remaining amount with the merchant, you may have the right not to pay the remaining amount with the merchant, you may have the right not to pay the remaining amount Interest Rate and Interest Charges Interest Rate and Interest Charges Interest Rate and Interest Charges Interest Rate and Interest Charges
 another SLFCU credit card Account, and you may not use advances on an SLFCU 6. Calculation of Finance Charges: Average Daily Balance Method. you want to discontinue the repeat transactions or if your Account is closed.  Rate, by giving you advance written notice required by law. A �change� Do not use an ATM machine un Do not use an ATM machine unless it appears safe to do so. Do not key in your Do not use an ATM machine un Do not use an ATM machine un less it appears safe to do so. Do not key in your less it appears safe to do so. Do not key in your less it appears safe to do so. Do not key in your
 entire Agreement and keep a copy for your records.  �Applicant� refers to any per- generally not be liable for unauthorized use (except that you may be generally not be liable for unauthorized use (except that you may be generally not be liable for unauthorized use (except that you may be generally not be liable for unauthorized use (except that you may be  interpretation.  interpretation.  interpretation.  interpretation. due on the purchase.  due on the purchase.  due on the purchase.  due on the purchase. 
 � � Credit  Card Account to pay other obligations you have to SLFCU.  Interest is calculated separately for purchase balances and cash advance 16.4  If you disagree with a transaction on your statement, you agree can amend an existing term, add a new term, or a delete an old term.
 son who signs the Credit Application, will receive a VISA or MasterCard Credit  liable for up to $50 for unauthorized PIN-based transactions), all  liable for up to $50 for unauthorized PIN-based transactions), all  liable for up to $50 for unauthorized PIN-based transactions), all  liable for up to $50 for unauthorized PIN-based transactions), all PIN if someone is looking. Take your Card, receipt and money when you are done, PIN if someone is looking. Take your Card, receipt and money when you are done, PIN if someone is looking. Take your Card, receipt and money when you are done, PIN if someone is looking. Take your Card, receipt and money when you are done, Annual Percentage Annual Percentage Annual Percentage Annual Percentage � � � �
 � � 9.  You will generally not be allowed to exceed your credit limit unless you opt  balances. We arrive at the in terest portion of the Finance Charge for each to provide any information or assistance we reasonably request. Other- If you do not want the changes to apply to your Account, you can cut all SLFCU members benefit if unauthorized Card use losses are kept to a SLFCU members benefit if unauthorized Card use losses are kept to a SLFCU members benefit if unauthorized Card use losses are kept to a SLFCU members benefit if unauthorized Card use losses are kep t to a BILLING RIGHTS: KEEP THIS NOTICE FOR FUTURE USE BILLING RIGHTS: KEEP THIS BILL BILL ING RIGHTS: KEEP THIS NOTICE FOR FUTURE USE ING RIGHTS: KEEP THIS NOTICE FOR FUTURE USE  NOTICE FOR FUTURE USE To use this right, all of the following must be true: To use this right, all of the following must be true: To use this right, all of the following must be true: To use this right, all of the following must be true: put your money away quickly, and leave the site. put your money away quickly, and leave the site. put your money away quickly, and leave the site. put your money away quickly, and leave the site. 9.25% VISA 9.25% VISA 9.25% VISA 9.25% VISA Gold with No Rebate Gold with No Rebate Gold with No Rebate Gold with No Rebate
 Card and will use the VISA or MasterCard Credit Card   Account. A Credit Card                                                                                                 Rate (APR) Rate (APR) Rate (APR) Rate (APR)
 in to doing so in writing and agree to pay a fee each time you exceed your limit. balance type by first calculating the average daily Account balance for wise you will pay us for any loss we incur, subject only to any limits issued Cards in half and send them to us with a written  request to close STATE AND LOCAL LAW STATE AND LOCAL LAW STATE AND LOCAL LAW STATE AND LOCAL LAW 1.   1.   The purchase must have been made in your home state or within 100 1.   1.   The purchase must have been made in your home state or within 100 The purchase must have been made in your home state or within 100 The purchase must have been made in your home state or within 100
 Account may have one or more Applicants. �Co-Signer� refers to a person who   minimum. minimum. minimum. minimum.                                                                              �
                                                                                                         miles of your current mailing address, and the purchase price must miles of your current mailing address, and the purchase price must miles of your current mailing address, and the purchase price must miles of your current mailing address, and the purchase price must for Purchases for Purchases for Purchases for Purchases 9.75% VISA 9.75% VISA 9.75% VISA 9.75% VISA Classic or MasterCard � � Classic or MasterCard � Classic or MasterCard Classic or MasterCard � � � �
 Exceeding your credit limit may adversely affect your credit standing. the statement period. To obtain the daily Account balances of purchases,  imposed by law.  the Account. If you do that, you must pay off any outstanding balance Once you report your Card as lost or stolen, you agree not to Once you report your Card as lost or stolen, you agree not to Once you report your Card as lost or stolen, you agree not to Once you report your Card as lost or stolen, you agree not to The following summary of your rights under federal law does not cover The following summary of your rights under federal law does not cover The following summary of your rights under federal law does not cover The following summary of your rights under federal law does not cover NOTICE TO CO-SIGNER NOTICE TO CO-SIGNER NOTICE TO CO-SIGNER NOTICE TO CO-SIGNER
 signs a Credit Application and is responsible for all charges incurred using the                                                                                                             with No Rebate with No Rebate with No Rebate with No Rebate
 we add any new purchases to the previous day�s purchase balance, then 16.5  A merchant, such as hotel or re ntal car agency, may place a under the old terms and interest rate. If you keep your Card, the new have been more than $50. (Note: Neither of these are necessary if your
                                       attempt to use it. A replacement card will usually be issued to you.  attempt to use it. A replacement card will usually be issued to you.  attempt to use it. A replacement card will usually be issued to you.  attempt to use it. A replacement card will usually be issued to you. have been more than $50. (Note: Neither of these are necessary if your have been more than $50. (Note: Neither of these are necessary if your have been more than $50. (Note: Neither of these are necessary if your
 Credit Card Account but who will not be issued a Card and will not use the   Account. all rights you may have under State and local law. If, under State or local all rights you may have under State and local law. If, under State or local all rights you may have under State and local law. If, under State or local all rights you may have under State and local law. If, under State or local
 B. REPAYMENT OBLIGATIONS  subtract any payments or other credits applied to the purchase balance. �hold� on your Account for anticipated charges. This may result in your terms and new interest rate will  apply to all transactions on the account If you find your card after reporting it lost or stolen and attempt to use it, If you find your card after reporting it lost or stolen and attempt to use it, If you find your card after reporting it lost or stolen and attempt to use it, If you find your card after reporting it lost or stolen and attempt to use it, purchase was based on an advertisement we mailed to you, or if we purchase was based on an advertisement we mailed to you, or if we purchase was based on an advertisement we mailed to you, or if we purchase was based on an advertisement we mailed to you, or if we (Traduccion en Ingles Requiere Por La Ley) (Traduccion en Ingles Requiere Por La Ley) (Traduccion en Ingles Requiere Por La Ley) (Traduccion en Ingles Requiere Por La Ley) � � � �
  �Credit Union,� �we� and �us� refer to Sandia Laboratory Federal Credit Union. �You� law, you have a longer of period of time in which to send an inquiry to us law, you have a longer of period of time in which to send an inquiry to us law, you have a longer of period of time in which to send an inquiry to us law, you have a longer of period of time in which to send an inquiry to us 11.00% VISA 11.00% VISA 11.00% VISA 11.00% VISA Gold with Rebate Gold with Rebate Gold with Rebate Gold with Rebate
 1.  Each Applicant and Co-Signer is obligated to repay the Account under the To obtain the daily Account balances of cash advances, we add any new credit limit being unavailable for the duration of the merchant hold, and as that occur 14 or more days after we send you the Change in Terms own the company that sold you the goods or services.) own the company that sold you the goods or services.) own the company that sold you the goods or services.)
                                      a merchant may capture the Card and you will have to pay a card a merchant may capture the Card and you will have to pay a card a merchant may capture the Card and you will have to pay a card a merchant may capture the Card and you will have to pay a card own the company that sold you the goods or services.)
 and �your� refer to any Applicant and, if the context indicates, to any Co-Signer. �Ac- concerning your sta concerning your statement, reliance on any such longer time period may concerning your statement, reliance on any such longer time period may concerning your statement, reliance on any such longer time period may tement, reliance on any such longer time period may
 terms of thi s Agreement. ca sh advances to the previous day�s cash advance balance, then sub- a  result, other transactions may be declined due to lack of available credit.   notice, and the old Annual Percentage Rate will apply to  purchase and result in your losing important rights that could be preserved by acting more be preserved by acting more be preserved by acting more g more 2. 2. You must have used your credit card for the purchase. Purchases 2. 2. You must have used your credit card for the purchase. Purchases You must have used your credit card for the purchase. Purchases You must have used your credit card for the purchase. Purchases You are being asked to guarantee this debt. Think carefully You are being asked to guarantee this debt. Think carefully You are being asked to guarantee this debt. Think carefully You are being asked to guarantee this debt. Think carefully 11.50% VISA 11.50% VISA 11.50% VISA 11.50% VISA � Classic or MasterCard � � Classic or MasterCard � Classic or MasterCard Classic or MasterCard � � � �
                                       capture fee.   capture fee.   capture fee.   capture fee. 
 count� refers to the line of credit established under this Agreement. �Card� refers result in your losing important rights that could be preserved by actin result in your losing important rights that could  result in your losing important rights that could 
 2. Each Applicant and Co-Signer is also obligated to repay any charges tract any payments or other credits applied to the cash advance balance. 17.  You must maintain a regular share account with SLFCU with the cash advance transactions that took place prior to the date 14 days after made with cash advances from an ATM or with a check that accesses made with cash advances from an ATM or with a check that accesses made with cash advances from an ATM or with a check that accesses made with cash advances from an ATM or with a check that accesses before you do. If the borrower doesn�t pay the debt, you will before you do. If the borrower doesn�t pay the debt, you will before you do. If the borrower doesn�t pay the debt, you will before you do. If the borrower doesn�t pay the debt, you will with Rebate with Rebate with Rebate with Rebate
                                        If you report your Card as stolen, you agree to cooperate with our
 to the credit card(s) issued under this Agreement. The singular implies the plural if If you report your Card as stolen, you agree to cooperate with our If you report your Card as stolen, you agree to cooperate with our If you report your Card as stolen, you agree to cooperate with our promptly under federal law. State or local provisions, if any, only  become promptly under federal law. State or local provisions, if any, only  become promptly under federal law. State or local provisions, if any, only  become promptly under federal law. State or local provisions, if any, only  become
  resulting from the use of the Account by an Authorized User, regardless of whether We then total the daily balances for the statement period and divide by  required minimum balance at all times you have an outstanding balance on we sent you the notice. investigation. Your failure to file a police report or otherwise cooperate investigation. Your failure to file a police report or ot investigation. Your failure to file a police report or otherwise cooperate investigation. Your failure to file  a police report or otherwise cooperate herwise cooperate operative upon the expiration of the time period provided by Consumer operative upon the expiration of the time period provided by Consumer operative upon the expiration of the time period provided by Consumer operative upon the expiration of the time period provided by Consumer your credit card account do not qualify. your credit card account do not qualify. your credit card account do not qualify. your credit card account do not qualify. � � � �
 there is more than one Applicant or Co-S igner.                                                                                         have to. Be sure you can afford to pay if you have to, and that have to. Be sure you can afford to pay if you have to, and that have to. Be sure you can afford to pay if you have to, and that have to. Be sure you can afford to pay if you have to, and that 11.50% VISA 11.50% VISA 11.50% VISA 11.50% VISA Student Card Student Card Student Card Student Card
 the Authorized User stays within the limits of permission given to use the Account. the number of days in the period to get the Average Daily Balance. This your Ac count, even if the Account is closed to new transactions. t yet have fully paid for the purchase. 
                                      with our investigation may give us reasonable grounds to deny your with our investigation may give us reasonable grounds to deny your with our investigation may give us reasonable grounds to deny your with our investigation may give us reasonable grounds to deny your  Financial Protection Bureau Regulation Z for submitting a proper written  Financial Protection Bureau Regulation Z for submitting a proper written  Financial Protection Bureau Regulation Z for submitting a proper written 3. 3. You must not yet have fully paid for the purchase.  3. 3. You must not yet have fully paid for the purchase.   Financial Protection Bureau Regulation Z for submitting a proper written You must not yet have fully paid for the purchase.  You must no with Rebate with Rebate with Rebate with Rebate
                                                                                                                                         you want to accept this responsibility.  you want to accept this responsibility.  you want to accept this responsibility.  you want to accept this responsibility. 
 We are not subject to agreements between you and Authorized Users limiting their figure is multiplied by the Monthly Periodic Rate (1/12 of the APR) to I. HONEST DEALING
 A. LOAN ADVANCES                     claim of unauthorized use. Although we will not close your Account solely claim of unauthorized use. Although we will not close your Account solely claim of unauthorized use. Although we will not close your Account solely claim of unauthorized use. Although we will not close your Account solely notification of an error. notification of an error. notification of an error. notification of an error. If all of the criteria above are met and you are still dissatisfied with the If all of the criteria above are met and you are still dissatisfied with the If all of the criteria above are met and you are still dissatisfied with the If all of the criteria above are met and you are still dissatisfied with the APR for Balance APR for Balance APR for Balance APR for Balance Same as above Same as above Same as above Same as above
 use of the Account. An Authorized User is any person to whom an Applican t or  obtain the interest component of the Finance Charg e. E. OTHER CHARGES You agree to promptly notify us of any information that affects your  because you exercise your rights to report unauthorized activity or other  because you exercise your rights to report unauthorized activity or other  because you exercise your rights to report unauthorized activity or other
 1.  You affirm that any Account established for you under this Agreement will be  because you exercise your rights to report unauthorized activity or other This notice contains important This notice contains important information about your rights and This notice contains important information about your rights and This notice contains important information about your rights and  information about your rights and  purchase, contact us in writing at:  purchase, contact us in writing at:  purchase, contact us in writing at:  purchase, contact us in writing at: You may have to pay up to the full amount of the debt if the You may have to pay up to the full amount of the debt if the You may have to pay up to the full amount of the debt if the You may have to pay up to the full amount of the debt if the
                                                                                                                                                                                Transfers Transfers Transfers Transfers
 Co-Signer has given actual, implied or apparent permission the Account.  7.  We will apply payments on your Account first to fees such as late You will pay the following fees in connection with breach of your credit-worthiness or ability to pay, including but not limited to changes in errors errors under the Fair Credit Billing Act, our determination that your  report  under the Fair Credit Billing Act, our determination that your  report
 used for personal, family or household purposes and not for business purposes. errors errors under the Fair Credit Billing Act, our determination that your  report  under the Fair Credit Billing Act, our determination that your  report  responsibilities under the Fair Credit Billing Act.  responsibilities under the Fair Credit Billing Act.  responsibilities under the Fair Credit Billing Act.  responsibilities under the Fair Credit Billing Act. Sandia Laboratory Federal Credit Union, ATTN: Card Services Sandia Laboratory Federal Credit Union, ATTN: Card Services Sandia Laboratory Federal Credit Union, ATTN: Card Services Sandia Laboratory Federal Credit Union, ATTN: Card Services borrower does not pay. You may also have to pay late fees or borrower does not pay. You may also have to pay late fees or borrower does not pay. You may also have to pay late fees or borrower does not pay. You may also have to pay late fees or
 3. Each Applicant and Co-Signer remains obligated to repay all obligations fees, then to interest, then to principal. If your payment exceeds the  obligations or services you request: your name, address or employment. You agree not to use your   Account
 2.  If the Credit Union approves your application, each Applicant will be issued of unauthorized Card activity was not made in good faith may be of unauthorized Card activity was not made in good faith may be of unauthorized Card activity was not made in good faith may be of unauthorized Card activity was not made in good faith may be P.O. Box 23040, Albuquerque, NM 87192-9910 P.O. Box 23040, Albuquerque, NM 87192-9910 P.O. Box 23040, Albuquerque, NM 87192-9910 P.O. Box 23040, Albuquerque, NM 87192-9910 APR for Cash APR for Cash APR for Cash APR for Cash Same as above Same as above Same as above Same as above
                                                                         What To Do If You Find A Mistake on Your Statement What To Do If You Find A Mistake on Your Statement What To Do If You Find A Mistake on Your Statement What To Do If You Find A Mistake on Your Statement
  incurred under this Agreement until we are notified in writing to close the   Account  required minimum, any excess will be applied to higher rate balances for new transactions if you have reason to believe you will be  unable to
 a Card and will be able to use the Account. Returned Payment Instrument . . . . . . . . . . . . . up to $20.00 per returned item grounds for closing your Account to future use. If we decide that you grounds for closing your Accou grounds for closing your Account to future use. If we decide that you grounds f or closing your Account to future use. If we decide that you nt to future use. If we decide that you collection costs, which increase this amount. collection costs, which increase this amount. collection costs, which increase this amount. collection costs, which increase this amount.
                                                                                                        While we investigate, the same rules apply to the disputed amount as While we investigate, the same rules apply to the disputed amount as While we investigate, the same rules apply to the disputed amount as While we investigate, the same rules apply to the disputed amount as Advances Advances Advances Advances
 and all issued Cards are returned to us. Closing of the Account will not relieve before it is  applied to lower rate balances. If purchase and cash advance pay what you owe.  have an excessive number of lost or stolen cards, we may not issue a have an excessive number of lost or stolen cards, we may not issue a have an excessive number of lost or stolen cards, we may not issue a have an excessive number of lost or stolen cards, we may not issue a If you think there is an error on your statement, you must write to us If you think there is an error on your statement, you must write to us If you think there is an error on your statement, you must write to us If you think there is an error on your statement, you must write to us
 3.  To make a purchase or get a cash advance, you can present the Card to a                           discussed above. After we finish our investigation, we will tell you our discussed above. After we finish our investigation, we will tell you our discussed above. After we finish our investigation, we will tell you our discussed above. After we finish our investigation, we will tell you our The creditor can collect this debt from you without first try- The creditor can collect this debt from you without first try- The creditor can collect this debt from you without first try- The creditor can collect this debt from you without first try-
 any Applicant or Co-Signer of payment obligations incurred prior to our receipt of balances bear interest at the same rate, payments are applied first to Account Research. . . . . . . . . . . . . . . . . . . . . $20.00 per hour, $5.00 minimum,  replacement card or open a new account for you.   replacement card or open a new account for you.   replacement card or open a new account for you.   replacement card or open a new account for you.  at:   Sandia Laboratory Federal Credit Union, ATTN: Card Services at:   Sandia Laboratory Federal Credit Union, ATTN: Card Services at:   Sandia Laboratory Federal Credit Union, ATTN: Card Services at:   Sandia Laboratory Federal Credit Union, ATTN: Card Services Penalty APR and Penalty APR and Penalty APR and Penalty APR and None None None None
 participating VISA / MasterCard plan merchant, to the Credit Union, or to  another waived if Credit Union error is revealed  decision. At that point, if we think you owe an amount and you do not pay, we
                                                                        P.O. Box 23040, Albuquerque, NM 87192-9910 P.O. Box 23040, Albuquerque, NM 87192-9910 P.O. Box 23040, Albuquerque, NM 87192-9910 P.O. Box 23040, Albuquerque, NM 87192-9910  decision. At that point, if we think you owe an amount and you do not pay, we  decision. At that point, if we think you owe an amount and you do not pay, we  decision. At that point, if we think you owe an amount and you do not pay, we ing to collect from the borrower. The creditor can use the same ing to collect from the borrower. The creditor can use the same ing to collect from the borrower. The creditor can use the same ing to collect from the borrower. The creditor can use the same
 noti ce to close the Account.  previously billed  purchases, then to previou sly billed cash advances, J.  ADDITIONAL TERMS APPLICABLE TO CO-SIGNERS 2.  Merchant Disputes. We are not responsible for the refusal of any 2.  Merchant Disputes. We are not responsible for the refusal of any 2.  Merchant Disputes. We are not responsible for the refusal of any 2.  Merchant Disputes. We are not responsible for the refusal of any When It Applies When It Applies When It Applies When It Applies
 financial institution, and sign the sales or cash advance draft imprinted with your                   may report you as delinquent. may report you as delinquent. may report you as delinquent. may report you as delinquent.
 5.  Each Applicant and Co-Signer remains bound to repay all obligations then to current cash  advances, then to current purchases. Late Payment . . up to $20.00 if the payment is received one or more days late AND CO-APPLICANTS merchant or other financial institution to honor you Card. We are merchant or other financial institution to honor you Card. We are merchant or other financial institution to honor you Card. We are merchant or other financial institution to honor you Card. We are In your letter give us the following information: In your letter give us the following information: In your letter give us the following information: In your letter give us the following information: collection methods against you that can be used against the collection methods against you that can be used against the collection methods against you that can be used against the collection methods against you that can be used against the
 Card number. Keep sales and cash advance drafts to reconcile your monthly
  incurred under this Agreement, even though another person has been directed to 8.  You can repay the balance you owe, including accrued finance As a Co-Signer or Co-Applicant, you understand and agree that you How To Avoid How To Avoid How To Avoid How To Avoid Your due date is at least 25 days after the Your due date is at least 25 days after the Your due date is at least 25 days after the Your due date is at least 25 days after the
                                       subject to good faith claims and defenses recognized by law (other  subject to good faith claims and defenses recognized by law (other  subject to good faith claims and defenses recognized by law (other  subject to good faith claims and defenses recognized by law (other
 statements. You can also make purchases by giving your Card number to a Over- the-Credit-Limit . . . . . . . . . . . . . . . . . . up to $20.00 if you opt-in allowing   � Account information: Your name and account number. � � Account information: Your name and account number. � Account information: Your name and account number. Account information: Your name and account number. NOTICE TO CALIFORNIA RESIDENTS NOTICE TO CALIFORNIA RESIDENTS NOTICE TO CALIFORNIA RESIDENTS NOTICE TO CALIFORNIA RESIDENTS borrower, such as suing you, garnishing your wages, etc. If borrower, such as suing you, garnishing your wages, etc. If borrower, such as suing you, garnishing your wages, etc. If borrower, such as suing you, garnishing your wages, etc. If
 pay the debt by an agreement or court order to which we are not a party, such as charges, in full at any time without a prepayment penalty. are obligated to repay any credit extended under this Agreement up to than tort claims) arising out of goods or services you purchase with than tort claims) arising out of goods or services you purchase with than tort claims) arising out of goods or services you purchase with than tort claims) arising out of goods or services you purchase with Paying Interest Paying Interest Paying Interest Paying Interest close of each billing cycle. We will not charge close of each billing cycle. We will not charge close of each billing cycle. We will not charge close of each billing cycle. We will not charge
  merchant by telephone, over the Internet, or by other means, in which case your your credit limit to be exceeded � Dollar amount: The dollar amount of the suspected error. � � Dollar amount: The dollar amount of the suspected error. � Dollar amount: The dollar amount of the suspected error. Dollar amount: The dollar amount of the suspected error.
                                                                                                        Under California law, our right to recover credit extended to you for credit Under California law, our right to recover credit extended to you for credit Under California law, our right to recover credit extended to you for credit Under California law, our right to recover credit extended to you for credit this debt is ever in default, that fact may  become part of your this debt is ever in default, that fact may  become part of your this debt is ever in default, that fact may  become part of your this debt is ever in default, that fact may  become part of your
 a divorce decree. Any release from the obligation to pay under this Agreement 9.  Increases  in  the  outstanding  balance  increase  the  required the credit limit, whether or not you get the money borrowed or the
  your monthly statement. You can also the Card, but only if you have made a good faith attempt but have been the Card, but only if you have made a good faith attempt but have been the Card, but only if you have made a good faith attempt but have been the Card, but only if you have made a good faith attempt but have been
 only record of the transaction may be                                 � Description of the problem: If you think there is an error on your � � Description of the problem: If you think there is an error on your � Description of the problem: If you think there is an error on your Description of the problem: If you think there is an error on your you any interest on purchases if you pay your you any interest on purchases if you pay your you any interest on purchases if you pay your you any interest on purchases if you pay your
   Plastic Card Replacement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5.00 each card purchases is subject to any defenses that you have against the seller if: card purchases is subject to any defenses that you have against the seller if: card purchases is subject to any defenses that you have against the seller if: card purchases is subject to any defenses that you have against the seller if:
 must be either (a) in writing and signed by an authorized SLFCU emplo yee or  minimum payment, which will be reflected in the monthly statement.  property purchased or otherwise benefit from the extension of credit. unable to obtain satisfaction from the plan merchant and (a) your unable to obtain satisfaction from the plan merchant and (a) your unable to obtain satisfaction from the plan merchant and (a) your unable to obtain satisfaction from the plan merchant and (a) your statement, describe what you believe is wrong and why you  believe statement, describe what you believe is wrong and why you  believe statement, describe what you believe is wrong and why you  believe statement, describe what you believe is wrong and why you  believe credit record. credit record. credit record. credit record. entire balance by the due date each month. entire balance by the due date each month. entire balance by the due date each month. entire balance by the due date each month.
  access the Account to obtain cash advances at designated ATMs, subject to                             1. The purchase price of the item in question exceeded $50; 1. The purchase price of the item in question exceeded $50; 1. The purchase price of the item in question exceeded $50; 1. The purchase price of the item in question exceeded $50;
 (b) pursuant to a court order in an action to which SLFCU is a party. 10. We will send you periodic statements of your Account which will  advise You understand that if you had not agreed to be obligated to repay the
  additional ATM terms at the end of this Agreement, and to obtain cash advances Cash Advance Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5.00 each  purchase was made in response to an advertisement we sent or  purchase was made in response to an advertisement we sent or  purchase was made in response to an advertisement we sent or  purchase was made in response to an advertisement we sent or it is a mistake. it is a mistake. it is a mistake. it is a mistake.
                                                                                                        2. The purchase was made in California; 2. The purchase was made in California; 2. The purchase was made in California; 2. The purchase was made in California; This notice is not the contract that makes you liable This notice is not the contract that makes you liable This notice is not the contract that makes you liable This notice is not the contract that makes you liable We will begin charging interest on cash We will begin charging interest on cash We will begin charging interest on cash We will begin charging interest on cash
 6.  Co-Signers, who do not have access to the Account but are liable to repay you of the status of your Account and any information required by law. credit extended, we would not have approved the credit application.  participated in  participated in sending you; (b) your purchase was made from a  participated in  participated in sending you; (b) your purchase was made from a  sending you; (b) your purchase was made from a  sending you; (b) your purchase was made from a
 via CU@home online banking in the form of either a deposit of the advance Statement Copy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $2.00 per page You must contact us: You must contact us: You must contact us: You must contact us: 3. You made a written demand on the retailer and made a good faith 3. You made a written demand on the retailer and made a good faith 3. You made a written demand on the retailer and made a good faith 3. You made a writ ten demand on the retailer and made a good faith  advances and balance transfers on the  advances and balance transfers on the  advances and balance transfers on the  advances and balance transfers on the
 it, acknowledge receipt of a copy of this Agreement as well as the separate  Notice 11. You will make monthly payments on or before the due date specified We can proceed against you if payments are delinquent even before  merchant we own or operate; or (c) your purchase cost more than $50  merchant we own or operate; or (c) your purchase cost more than $50  merchant we own or operate; or (c) your purchase cost more than $50  merchant we own or operate; or (c) your purchase cost more than $50 for the debt. for the debt. for the debt. for the debt.
 amount to an SLFCU  account that you designate or a check payable to you and � Within 60 days after the error appeared on your statement. � � Within 60 days after the error appeared on your statement. � Within 60 days after the error appeared on your statement. Within 60 days after the error appeared on your statement.  attempt t  attempt to get satisfaction of your complaint; and  attempt t  attempt to get satisfaction of your complaint; and o get satisfaction of your complaint; and o get satisfaction of your complaint; and  transaction date.   transaction date.   transaction date.   transaction date. 
 to Co-Signer. in your periodic statements.  seeking to  recover from any other applicant or co-signer. We will give and was made from a merchant in your state or within 100 miles of your and was made from a merchant in your state or wit and was made from a merchant in your state or within 100 miles of your  in your state or within 100 miles of your hin 100 miles of your
 mailed to you at the  address we have for you in our records.  and was made from a merchant
 You will also pay direct costs that the Credit Union incurs for complying � At least 3 business days before an automatic payment is scheduled, � � At least 3 business days before an automatic payment is scheduled, � At least 3 business days before an automatic payment is scheduled, At least 3 business days before an automatic payment is scheduled, 4. You notify us in writing of the name of the seller, the date of purchase, the 4. You notify us in writing of the name of the seller, the date of purchase, the 4. You notify us in writing of the name of the seller, the date of purchase, the 4. You notify us in writing of the name of the seller, the date of purchase, the
 12. If at any time your current unpaid Account balance exceeds your you  notice required by law of any action we take that could adversely      AISO PARA EL FIADOR AISO PARA EL FIADOR AISO PARA EL FIADOR AISO PARA EL FIADOR
 4.  We may issue courtesy checks on this Account from time to time.  Any home. We are relieved from any liability if you have already paid us for home. We are relieved from any liability if you have already paid us for home. We are relieved from any liability if you have already paid us for home. We are relieved from any liability if you have already paid us for
 with your special service requests, such as delivery fees for overnight if you want to stop payment on the  if you want to stop payment on the amount you think is wrong. if you want to stop payment on the amount you think is wrong. if you want to stop payment on the amount you think is wrong. amount you think is wrong. price paid, the goods or services purchased, and the acts that you took to p rice paid, the goods or services purchased, and the acts that you took to price paid, the goods or services purchased, and the acts that you took to price paid, the goods or services purchased, and the acts that you took to
 C. CREDIT REVIEW  authorized credit limit, you must, upon our written demand, immediately make  affect you. We will tell you of any delinquency for which we intend to the  disputed transaction. Any other disputes you must resolve directly the  disputed transaction. Any other disputes you must resolve directly the  disputed transaction. Any other disputes you must resolve directly the  disputed transaction. Any other disputes you must resolve directly (Spanish Translation Required by Law) (Spanish Translation Required by Law) (Spanish Translation Required by Law) (Spanish Translation Required by Law) Minimum Interest Minimum Interest Minimum Interest Minimum Interest None None None None
 Applicant may sign a courtesy check payable to any person or entity that accepts    shipment of replacement plastic cards. You must notify us of any potential errors in writing. You may call us You must notify us of any potential errors in writing. You may call us You must notify us of any potential errors in writing You must notify us of any potential errors in writing. You may call us . You may call us  obtain satisfaction from the seller.   obtain satisfaction from the seller.   obtain satisfaction from the seller.   obtain satisfaction from the seller. 
 We will set a credit limit on your Account and review your Account from time to a single lump-sum payment to reduce your balance to an amount within the hold you  accountable. No extension or partial settlement with any other Charge Charge Charge Charge
 personal checks. When we pay the courtesy check, it will post to the Account as a with the merchant. with the merchant. with the merchant. with the merchant. at (800) 947-5328 or (505) 293-0500, but if you do not notify us in writing, at (800) 947-5328 or (505) at (800) 947-5328 or (505) 293-0500, but if you do not notify us in writing, at (8 00) 947-5328 or (505) 293-0500, but if you do not notify us in writing,  293-0500, but if you do not notify us in writing, The amount to which the defense applies is limited to the amount The amount to which the defense applies is limited to the amount The amount to which the defense applies is limited to the amount The amount to which the defense applies is limited to the amount
 time. We may consider your credit history with third part ies such as credit  bureaus, authorized  credit limit.  obligor on the Account will waive our rights against you as a co-signer  you credit  you credit Se le est� pidiendo que garantice esta deuda. Pi�nselo con Se le est� pidiendo que garantice esta deuda. Pi�nselo con Se le est� pidiendo que garantice esta deuda. Pi�nselo con Se le est� pidiendo que garantice esta deuda. Pi�nselo con
 cash advance. There is no additional charge for printing or using courtesy checks 3.  Credits: A merchant who honors your Card and gives 3.  Credits: A merchant who honors your Card and gives you credit 3.  Credits: A merchant who honors your Card and gives 3.  Credits: A merchant who honors your Card and gives you credit
 � F.  REBATES                                                        we are not required to investigate any potential errors and you may have we are not required to investigate any potential errors and you may have we are not required to investigate any potential errors and you may have we are not required to investigate any potential errors and you may have  outstanding on the purchase as well as late charges and finance charges at  outstanding on the purchase as well as late charges and finance charges at  outstanding on the purchase as well as late charges and finance charges at  outstanding on the purchase as well as late  charges and finance charges at
 your history of meeting your obligations to SLFCU, and updated financial infor- 13. Foreign Transactions:  For  VISA transactions  initiated  in  foreign or co-applicant. You can stop being obligated for future transactions by for returns or adjustments will do so by sending us a credit slip which for returns or adjustments will do so by sending us a credit slip which for returns or adjustments will do so by sending us a credit slip which
 other than the cash advance fee, but if you request special handling, such as a for returns or adjustments will do so by sending us a credit slip which
 If you charge goods or servi ces on your Account in any calendar year, a to pay the amount in question. to pay the amount in question. to pay the amount in question. to pay the amount in question. the time we receive the writ the time we receive the written demand. the time we receive the writ the time we receive the written demand. ten demand. ten demand. cuidado antes de ponerse de acuerdo. Si la persona que ha cuidado antes de ponerse de acuerdo. Si la persona que ha cuidado antes de ponerse de acuerdo. Si la persona que ha cuidado antes de ponerse de acuerdo. Si la persona que ha For Credit Card For Credit Card For Credit Card For Credit Card To learn more about factors to consider To learn more about factors to consider To learn more about factors to consider To learn more about factors to consider
 mation we request from you. Based on our review, we may increase or  decrease  currencies, the exchange rate between the transaction currency and the billing  writing to us to that effect, but will remain o bligated to pay any amounts
 stop p ayment, we may charge you the same fee we would charge for the same we will post to your Account. Subject to Section D.15 of this Agree- we will post to your Account. Subject to Section D.15 of this Agree- we will post to your Account. Subject to Section D.15 of this Agree- we will post to your Account. Subject to Section D.15 of this  Agree-
 � from the range of credit (rebate) equal to 0.5% (VISA Classic Rebate Card, MasterCard                                                                                               when applying for or using a credit when applying for or using a credit when applying for or using a credit when applying for or using a credit
 your credit limit, increase or decrease your interest rate, or close your   Account. currency (U.S. dollars) will be (a) a rate selected by VISA borrowed prior to our receipt of your notice. ment, if your credits and/or payments exceed what you owe, we will ment, if your c ment, if your credits and/or payments exceed what you owe, we will ment, if your credits and/or payments exceed what you owe, we will redits and/or payments exceed what you owe, we will What Will Happen After We Receive Your Letter What Will Happen After We Receive Your Letter What Will Happen After We Receive Your Letter What Will Happen After We Receive Your Letter This remedy is the only one you have against us. Your rights are limited to This remedy is the only one you have against us. Your rights are limited to This remedy is the only one you have against us. Your rights are limited to This remedy is the only one you have against us. Your rights are limited to pedido este pr�stamo no paga la deuda, usted  tendr� que pedido este pr�stamo no paga la deuda, usted  tendr� que pedido este pr�stamo no paga la deuda, usted  tendr� que pedido este pr�stamo no paga la deuda, usted  tendr� que Tips from the Tips from the Tips from the Tips from the
 service on a regular SLFCU check (share draft). Fees for special handling of  Rebate Card, VISA Student Rebate Card) or 0.75% (VISA Gold Card) of those circumstances outlined in California Civil Code �1747.90. Purchases those circumstances outlined in Cali those circumstances outlined in California Civil Code �1747.90. Purchases those circumstances outlined in California Civil Code �1747.90. Purchases fornia Civil Code �1747.90. Purchases
 We will give you notice required by law if we make changes adverse to you. You rates available in wholesale currency markets for the applicable central hold and apply this credit balance against future transactions, or hold and apply this credit balance against future transactions, or hold and apply this credit balance against future transactions, or hold and apply this credit balance against future transactions, or Consumer Financial Consumer Financial Consumer Financial Consumer Financial card, visit the website of the Consumer card, visit the website of the Consumer card, visit the website of the Consumer card, visit the website of the Consumer
 checks are shown on the SLFCU Fee Schedule. If you do not wish to use  courtesy When we receive your letter, we must do two things: When we receive your letter, we must do two things: When we receive your letter, we must do two things: When we receive your letter, we must do two things:  pagarla. Est� seguro de que usted podr� pagar si sea obligado  pagarla. Est� seguro de que usted podr� pagar si sea obligado  pagarla. Est� seguro de que usted podr� pagar si sea obligado  pagarla. Est� seguro de que usted podr� pagar si sea obligado
                                                                                                       with cash or check are not included in this section even though you used your with cash or check are not included in this section even though you used your with cash or check are not included in this section even though you used your with cash or check are not included in this section even though you used your Financial Protection Bureau at Financial Protection Bureau at Financial Protection Bureau at Financial Protection Bureau at
 can request a credit limit increase by submitting a wri tten application to us.  processing date, which rate may vary from the rate VISA � itself receives, or all purchases during the year will be paid to you annually. The rebate will
    K. DEFAULT�LIEN�ACCELERATION       refund it on your written request if it is $1.00 or more.  refund it on your written request if it is $1.00 or more.
 checks,  destroy them. You agree to notify us  immediately if courtesy checks  issued  refund it on your written request if it is $1.00 or more.  refund it on your written request if it is $1.00 or more. 1.   1.   Within 30 days of receiving your letter, we must tell you that we 1.   1.   Within 30 days of receiving your letter, we must tell you that we Within 30 days of receiving your letter, we must tell you that we Within 30 days of receiving your letter, we must tell you that we Protection Bureau Protection Bureau Protection Bureau Protection Bureau
 be paid in the form of a credit to your Account.  We reserve the right to                             credit card to validate your credit.  credit card to validate your credit.  credit card to validate your credit.  credit card to validate your credit.  a pagarla y de que usted desea aceptar la responsabilidad. a pagarla y de que usted desea aceptar la responsabilidad. a pagarla y de que usted desea aceptar la responsabilidad. a pagarla y de que usted desea aceptar la responsabilidad. www.consumerfinance.gov/learnmore www.consumerfinance.gov/learnmore www.consumerfinance.gov/learnmore www.consumerfinance.gov/learnmore
 All Credit Cards issued or re-issued are subject to approval. If your Account has (b)  the  government-mandated  rate  in  effect  for  the  applicable  central 1.  If you fail to make your agreed payment within 10 days after the
 to you are lost or stolen and to report any unauthorized special checks that appear received your letter.  We will also tell you if we have already received your letter.  We will also tell you if we have already received your letter.  We will also tell you if we have already received your letter.  We will also tell you if we have already
                                                                                                        We cannot penalize you by either giving out unfavorable credit information We cannot penalize you by either giving out unfavorable credit information We cannot penalize you by either giving out unfavorable credit information We cannot penalize you by either giving out unfavorable credit inform ation
 been inactive for six consecutive months, it may not be automatically renewed.  processing date. For MasterCard � transactions initiated in foreign currencies, revoke rebates if you use your card for business purpose transactions or   due date, you authorize us to apply any SLFCU shares in which you
 ount statements. We operate in an automated check-processing N. TERMINATION N. TERMINATION N. TERMINATION N. TERMINATION
 on your Acc                                                              corrected the error.  corrected the error.  corrected the error.  corrected the error. Si la persona que ha pedido el pr�stamo no paga la deuda, Si la persona que ha pedido el pr�stamo no paga la deuda, Si la persona que ha pedido el pr�stamo no paga la deuda, Si la persona que ha pedido el pr�stamo no paga la deuda, Fees Fees Fees Fees
 tr ansactions we reasonably determine to be illegal.                                                  about you or canceling or refusing to renew your cred about you or canceling or refusing to renew your credit card solely  because about you or canceling or refusing to renew your cred about you or canceling or refusing to renew your credit card solely  because it card solely  because it card solely  because
 the exchange rate will be a either a government-mandated exchange rate or have an interest (unless prohibited by law or the share agreement) to
  environment and in almost all cases we do not physically  examine checks that 1.  We may terminate this Agreement and close your Account at any 1.  We may terminate this Agreement and close your Account at any 1.  We may terminate this Agreement and close your Account at any 1.  We may terminate this Agreement and close your Account at any 2.   2.   Within 90 days of receiving your letter, we must either correct the 2.   2.   Within 90 days of receiving your letter, we must either correct the Within 90 days of receiving your letter, we must either correct the Within 90 days of receiving your letter, we must either correct the you obtained relief under the remedies you have for correcting billing errors. you obtained relief under the remedies you have for correcting billing errors. you obtained relief under the remedies you have for correcting billing errors. you obtained relief under the remedies you have for correcting billing errors. es posible que usted tenga que pagar la suma total de la es posible que usted tenga que pagar la suma total de la es posible que usted tenga que pagar la suma total de la es posible que usted tenga que pagar la suma total de la
 D. REPAYMENT TERMS a wholesale exchange rate selected by MasterCard � International on the day pay off, in full or in part, the outstanding balance on your Account. time by sending you a written notice of the termination and the lawful time by sending you a written notice of the termination and the lawful
 clear. You agree that we have the right but not the obligation to refuse to pay time by sending you a written notice of the termination and the lawful time by sending you a written notice of the termination and the lawful error or explain to you why we believe the bill is correct. error or explain to you why we believe the bill is correct. error or explain to you why we believe the bill is correct. error or explain to you why we believe the bill is correct. Annual Fees Annual Fees Annual Fees Annual Fees None None None None
 G. SECURITY INTERESTS                                                                                                                   deuda, mas los cargos por tardarse en el pago o el costo de deuda, mas los cargos por tardarse en el pago o el costo de deuda, mas los cargos por tardarse en el pago o el costo de deuda, mas los cargos por tardarse en el pago o el costo de
 1.  You promise to pay SLFCU or order (a) at one of our offices or (b) by mail- they process the transaction, which may differ from the rate that applied on  Unless your Account is secur ed by a pledge of specific shares this business reasons for so doing. business reasons for so doing. business reasons for so doing.
  courtesy checks that are not signed by an Applicant, and we will not be respon sible business reasons for so doing.
 1.  In consideration for and as a condition of SLFCU issuing a credit While we investigate whether or not there has been an error: While we investigate whether or not there has been an error: While we investigate whether or not there has been an error: While we investigate whether or not there has been an error: ATM DISCLOSURE ATM DISCLOSURE ATM DISCLOSURE ATM DISCLOSURE
 ing payment to us at the address designated on your billing statement, all sums the day the transaction took place or the day the transaction posted to your  consent (a) will not restrict your right to withdraw funds prior to our 2. We can close your Account without prior notice if you fail to pay on 2. We can close your Account without prior notice if you fail to pay on 2. We can close your Account without prior notice if you fail to pay on 2. We can close your Account without prior notice if you fail to pay on cobranza, lo cual aumenta el total de esta suma.  cobranza, lo cual aumenta el total de esta suma.  cobranza, lo cual aumenta el total de esta suma.  cobranza, lo cual aumenta el total de esta suma. 
 for any  unauthorized courtesy checks if you fail to  report them within 60 days after � � We cannot try to collect the amount in question, or report you as � � We cannot try to collect the amount in question, or report you as � We cannot try to collect the amount in question, or report you as We cannot try to collect the amount in question, or report you as
  advanced to you under this Agreement at a ny time plus interest and other fees and account. For both VISA   and MasterCard � , if a transaction is initiated in a card to you, you agree that if you do not make your required payments, exercise of our rights under this consent and (b) does not constitute a Transaction Fees Transaction Fees Transaction Fees Transaction Fees
 he first statement on which they appear. If you wish to stop payment time, or we have evidence or a reasonable belief that you are unable or time, or we have evidence or a reasonable belief that you are unable or time, or we have evidence or a reasonable belief that you are unable or time, or we have evidence or a reasonable belief that you are unable or This part of this disclosure includes special provisions applicable to the use This pa This part of this disclosure includes special provisions applicable to the use This part of this disclosure includes special provisions applicable to the use rt of this disclosure includes special provisions applicable to the use
 we send you t we can take any SLFCU shares in which you have an interest (unless delinquent on that amount. delinquent on that amount. delinquent on that amount. delinquent on that amount. El  acreedor  (financiero)  puede  cobrarle  a  usted  sin, El  acreedor  (financiero)  puede  cobrarle  a  usted  sin, El  acreedor  (financiero)  puede  cobrarle  a  usted  sin, El  acreedor  (financiero)  puede  cobrarle  a  usted  sin,
 charges incurred under this Agreement. The Finance Charge is the amount of foreign country or foreign currency, a fee of 1% of the transaction pledge of any share account. Our exercise of our rights under this of the Card to obtain cash advances at Automated Teller Machines (ATMs).
                                      unwilling to repay your Account balance. A significant increase in your unwilling to repay your Account balance. A significant increase in your unwilling to repay your Account balance. A significant increase in your unwilling to repay your Account balance. A significant increase in your of the Card to obtain cash advances at Automated Teller Machines (ATMs). of the Card to obtain cash advances at Automated Teller Machines (ATMs). of the Card to obtain cash advances at Automated Teller Machines (ATMs). � Balance Transfers � Balance Transfers � Balance Transfers � Balance Transfers None None None None
 on a courtesy check, you must notify us before the check is presented to us for
 amount in US dollars will be assessed.  prohibited by law or the share agreement) to recover all or part of what � The charge in question may remain on your statement, and we may � � The charge in question may remain on your statement, and we may � The charge in question may remain on your statement, and we may The charge in question may remain on your statement, and we may
 money you pay for the money you borrow. The interest component of the  consent is not an election of remedies. This disclosure addresses only credit card cash advances at ATMs. Refer to
                                      obligations, your filing for bankruptcy relief, your unemployment, yo obligations, your filing for bankruptcy relief, your unemployment, your obligations, your filing for bankruptcy relief, your unemployment, yo obligations, your filing for bankruptcy relief, your unemployment, your ur ur This disclosure addresses only credit card cash advances at ATMs. Refer to This disclosure addresses only credit card cash advances at ATMs. Refer to This disclosure addresses only credit card cash advances at ATMs. Refer to primeramente, tratar do cobrarle al deudor. Los mismos meto- primeramente, tratar do cobrarle al deudor. Los mismos meto- primeramente, tratar do cobrarle al deudor. Los mismos meto- primeramente, tratar do cobrarle al deudor. Los mismos meto- � Cash Advances � Cash Advances � Cash Advances � Cash Advances $5.00 $5.00 $5.00 $5.00
  payment, and you must provide the exact dollar amount and check number or we you  owe  without  advance  notice  to  you.  �Shares�  inc ludes  share continue to charge you interest on that amount. continue to charge you interest on that amount. continue to charge you interest on that amount. continue to charge you interest  on that amount.
  Finance Charge is based on an Annual Percentage Rate. 14.  Payments in Foreign Currency. You agree to make all payments to us 2. If you default on your Account payments, otherwise breach this failure to meet other obligations you have to us, or your death, are your separate Electronic Funds Transfer disclosure for a complete disclosure r separate Electronic Funds Transfer disclosure for a complete disclosure lete disclosure lete disclosure
                                       failure to meet other obligations you have to us, or your death, are failure to meet other obligations you have to us, or your death, are failure to meet other obligations you have to us, or your death, are your separate Electronic Funds Transfer disclosure for a comp your separate Electronic Funds Transfer disclosure for a comp you
                                                                                                                                         dos de cobranza que pueden usarse contra el deudor, podran dos de cobranza que pueden usarse contra el deudor, podran dos de cobranza que pueden usarse contra el deudor, podran dos de cobranza que pueden usarse contra el deudor, podran � Foreign � Foreign � Foreign � Foreign 1% of each transaction in US dollars 1% of each transaction in US dollars 1% of each transaction in US dollars 1% of each transaction in US dollars
 may not be able to find it and stop it. We will not be responsible for failure to stop  (savings), money market, share draft (checking), and certificate accounts. � While you do not have to pay the amount in question, you are � � While � While you do not have to pay the amount in question, you are While you do not have to pay the amount in question, you are  you do not have to pay the amount in question, you are
 2.  Grace Period on Purchases: If you paid your previous statement�s in U.S. Dollars using payment instruments drawn on U.S. financial institutions. Agreement, become a bankruptcy debtor, die, or breach any other  examples of circumstances that could lead us to close your Account  examples of circumstances that could lead us to close your Account of terms applicable to ATM Cards and Debit Cards.  of terms applicable to ATM Cards and Debit Cards.  of terms applicable to ATM Cards and Debit Cards.  of terms applicable to ATM Cards and Debit Cards. 
                                        examples of circumstances that could lead us to close your Account  examples of circumstances that could lead us to close your Account
  courtesy check payments if you do not give us the exact information we require in IRAs and other accounts subject to preferential tax treatment are not  responsible for the remainder of your balance.  responsible for the remainder of your balance.  responsible for the remainder of your balance.  responsible for the remainder of your balance. usarse contra usted, tales como presentar una  demanda en usarse contra usted, tales como presentar una  demanda en usarse contra usted, tales como presentar una  demanda en usarse contra usted, tales como presentar una  demanda en Transactions Transactions Transactions Transactions
  balance in full before its due date, or you  had no previous balance at the We may, at our option, accept payments in  foreign currency or checks drawn agreement you have with us, we may without notice declare the entire without notice. We will give you advance notice required by law for other without notice. We will give you advance notice required by law for other t notice. We will give you advance notice required by law for other e you advance notice required by law for other
 sufficie nt time (at least one business day prior to  presentment) for us to act on your without notice. We will giv withou
  included.                                                            � We can apply any unpaid amount against your credit limit. � � We can apply any unpaid amount against your credit limit. � We can apply any unpaid amount against your credit limit. We can apply any unpaid amount against your credit limit. Available Services Available Services Available Services Available Services
  beginning of the billing cycle, you will have a grace period of 25 days on on non-U.S. banks. If we do, we may impose service and collection charges, unpaid balance of your Account immediately due and payable in full. terminations. If we close your Account with or without notice due to your terminations. If we close your Account with or without notice due to your terminations. If we close your Account with or without notice due to your terminations. If we close your Account with or without notice due to your corte, quitar parte de su sueldo, etc. Si  alguna ves no se corte, quitar parte de su sueldo, etc. Si  alguna ves no se corte, quitar parte de su sueldo, etc. Si  alguna ves no se corte, quitar parte de su sueldo, etc. Si  alguna ves no se
 request. Merchant dispute rights do not apply to courtesy checks, and if a courtesy 2.  This consent does not restrict your right to withdraw funds prior The ATM you use may restrict the number of credit card transactions and The ATM you use may restrict the number The ATM you use may restrict the number of credit card transactions and The ATM you use may restrict the number of credit card transactions and  of credit card transactions and
  average to pay your purchase balance without interest finance charges. If you and you agree the charges we set will be final.  Interest will continue to accrue on your Account at the rate called for in
 check clears, you must resolve any  disputes directly with the payee.  breach of this Agreement or any other agreement you have with us, your breach of this Agreement or any other agreement you have with us, your breach of this Agreement or any other agreement you have with us, your breach of this Agreement or any other agreement you have with us, your After we finish our investigation, one of two things will happen: After we finish our investigation, one of two things will happen: After we finish our investigation, on After we finish our investigation, one of two things will happen: e of two things will happen: Penalty Fees Penalty Fees Penalty Fees Penalty Fees
                                                                                                       the amount of each transaction.  Each ATM owner determines hours of the amount of each transaction.  Each ATM owner determines hours of the amount of each transaction.  Each ATM owner determines hours of the amount of each transaction.  Each ATM owner determines hours of cumpla con la obligaci�n de pagar esta deuda, se puede cumpla con la obligaci�n de pagar esta deuda, se puede cumpla con la obligaci�n de pagar esta deuda, se puede cumpla con la obligaci�n de pagar esta deuda, se puede
 to your default and our exercise of our rights consistent with this consent,
 do not pay your  balance in full before the end of the grace period,  interest will 15.  Payment Holds. We will promptly credit your payments as required by this Agreement even after your default and acceleration of the obligation. death or your bankruptcy, we can demand that you pay off the  entire bal- death or your bankruptcy, we can demand that you pay off the  entire bal- death or your bankruptcy, we can demand that you pay off the  entire bal- death or your bankruptcy, we can demand that you pay off the  entire bal- � If we made a mistake: � � If we made a mistake: � If we made a mistake: If we made a mistake: You will not have to pay the am You will not have to pay the amount in You will not have to pay the amount in You will not have to pay the amount in ount in � Late Payment � Late Payment � Late Payment � Late Payment Up to $20 Up to $20 Up to $20 Up to $20
 5.  This Account will be open-end or revolving. This means you can borrow the and is not a pledge by you of any shares.  service, but ATMs are generally available 24 hours a day, 7 days a week,  service, but ATMs are generally available 24 hours a day, 7 days a week,  service, but ATMs are generally available 24 hours a day, 7 days a week,  service, but ATMs are generally available 24 hours a day, 7 days a week, incluir esa informaci�n en la historia de credito de usted. incluir esa informaci�n en la historia de credito de usted. incluir esa informaci�n en la historia de credito de usted. incluir esa informaci�n en la historia de credito de usted.
 be assessed on your entire outstanding balance including new purchases. law. We may, however, delay for the maximum time allowed by law increasing
 full amount of the credit limit, repay the principal in full or in part, and borrow again ance at once. ance at once. ance at once. ance at once.  question or any interest or other fees related to that amount.  question or any interest or other fees related to that amount.  question or any interest or other fees related to that amount.  question or any interest or other fees related to that amount.
 3.  Our exercise of our rights under this consent will not be an  election                             subject to periodic closures for maintenance.  subject to periodic closures for maintenance.  subject to periodic closures for maintenance.  subject to periodic closures for maintenance.         � Over-the-Credit � Over-the-Credit � Over-the-Credit � Over-the-Credit Up to $20 Up to $20 Up to $20 Up to $20
 3. The interest rate on your Account will depend on which credit card you your available credit or refunding credit balances until final collection of non- L. COLLECTION COSTS 3.  You can close your Account by sending us a written request and 3.  You can close your Account by sending us a written request and 3.  You can close your Account by sending us a written request and 3.  You can close your Account by sending us a written request and � If we do not believe there was a mistake: You will have to pay the � � If we do not believe there was a mistake: You will have to pay the � If we do not believe there was a mistake: You will have to pay the If we do not believe there was a mistake: You will have to pay the Este aviso no es el contrato mismo en que se le hecha Este aviso no es el contrato mismo en que se le hecha Este aviso no es el contrato mismo en que se le hecha Este aviso no es el contrato mismo en que se le hecha
 up to your credit limit as long as you remain creditworthy and a member of SLFCU                                                                                             Limit Limit Limit Limit
 of remedies. request and will be established when we open your Account. The ANNUAL cash items presented to pay your Account. A delay in increasing your available You agree to pay all reasonable collection costs we incur before we
 in good standing. To remain in good standing, you must meet all of your cutting all issued Cards and courtesy checks in half and returning them cutting all issued Cards and courtesy checks in half and returning them cutting all issued Cards and courtesy checks in half and returning them cutting all issued Cards and courtesy checks in half and returning them amount in question, along with applicable interest and fees. We will amount in question, along with applicable interest and fees. We will amount in question, along with applicable interest and fees. We will amount in question, along with applicable interest and fees. We will Documentation of Transactions Documentation of Transactions Documentation of Transactions Documentation of Transactions
 4.  Specific Account Pledge: You may be allowed or required to pledge                                                                   a usted la responsabilidad de la deuda. a usted la responsabilidad de la deuda. a usted la responsabilidad de la deuda. a usted la responsabilidad de la deuda. �  Returned �  Returned �  Returned �  Returned Up to $20 Up to $20 Up to $20 Up to $20
 PERCENTAGE RATE and Monthly Periodic Rate for our Credit Card   Account credit or issuing a refund will not by itself result in increased finance charges, take legal action against you. If we take legal action against you to send you a statement of the amount you owe and the date  payment send you a statement of the amount you owe and the date  payment send you a statement of the amount you owe and the date  payment send you a statement of the amount you owe and the date  payment The ATM may generate a receipt for cash advance transaction, and ATM The ATM may generate a receipt for cash advance transaction, and ATM The ATM may generate a receipt for cash advance transaction, and ATM The ATM may generate a receipt for cash advance transaction, and ATM
  obligations to SLFCU.               to us.  to us.  to us.  to us. 
 specific SLFCU shares as security for the repayment of all credit extended                                                                                                   Payment Payment Payment Payment
                                                                        is due. We may then report you as delinquent if you do not pay the is due. We may then report you as delinquent if you do not pay the is due. We may then report you as delinquent if you is due. We may then report you as delinquent if you do not pay the  do not pay the cash advance transactions will appear on your monthly statement. cash advance transactions will appear on your monthly statement. cash advance transactions will appear on your monthly statement. cash advance transactions will appear on your monthly statement.
                                                                        amount we think you owe. amount we think you owe. amount we think you owe. amount we think you owe. � 2013 Greene & Allison LLP. All rights reserved.   � 2013 Greene & Allison LLP. All rights reserved.   � 2013 Greene & Allison LLP. All rights reserved.   � 2013 Greene & Allison LLP. All rights reserved.  
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