29.   SOUTH  DAKOTA  RESIDENTS   —  If   You   believe  there  have  been  any   improprieties   in  making   this   loan  or  in  the  
lender’s  loan practices, You may  contact the South Dakota  Division of  Banking  at 1601  N. Harrison Ave, Suite   1, Pierre,  
SD 57501, or by  phone  at 605.773.3421.  
30.   WISCONSIN RESIDENTS  — If  You  are married, please contact Us  immediately  upon receipt of this  Agreement at the  
address  or phone  number  listed  on  this  Agreement and provide  Us  with the name and address  of  Your spouse. We are  
required to inform Your spouse that We have opened an Account for You.  
31.   NOTICE  TO  UTAH  BORROWERS   —  This  written  Agreement  is  a  final   expression  of  the  Agreement  between   You 
and the Credit Union. This  written  Agreement may not be contradicted by  evidence of any  oral  Agreement. As required  by  
law,  You   are  hereby   notified   that  a  negative  credit  report  reflecting   on  Your   credit  record  may   be  submitted  to  a  credit  
reporting agency if  You fail  to fulfill the terms of Your credit obligations.  
32.   THE  FOLLOWING  IS  REQUIRED  BY  VERMONT  LAW   —   NOTICE  TO  CO-SIGNER  —   YOUR  SIGNATURE  ON  
THIS  NOTE   MEANS  THAT   YOU  ARE  EQUALLY  LIABLE  FOR  REPAYMENT  OF   THIS  LOAN.  IF  THE  BORROWER 
DOES  NOT PAY, THE LENDER HAS  A  LEGAL  RIGHT  TO COLLECT FROM YOU.  

MASTERCARD IS  A REGISTERED TRADEMARK, AND THE CIRCLES DESIGN  IS  A TRADEMARK OF   
  MASTERCARD INTERNATIONAL INCORPORATED.  

Your Billing Rights: Keep this Document for Future Use 
This notice tells  You about  Your rights and Our responsibilities under the Fair Credit Billing Act.  

What To Do If You Find  A  Mistake On Your Statement  
If You think there is an  error on  Your statement, write to Us at the  address listed on Your statement.  
In Your letter, give Us the following  information:  

- Account information:  Your name and Account number.  
-  Dollar amount:  The dollar amount of the suspected error.  
-  Description of problem:  If You think  there is  an  error  on Your  bill, describe what You believe is wrong and why You 

believe it is  a mistake.  

You must contact Us:  

-  Within 60 days after the error appeared on  Your statement.  
-  At least three business days before an automated payment is scheduled, if  You  want to stop  payment on the amount  

You  think is  wrong.  

You must notify  Us of any  potential errors  in writing  or electronically.  You may  call Us, but if  You do  We are not required  
to investigate  any potential  errors and You may have to pay the amount in question.  
What Will Happen After We Receive Your Letter  
When  We receive Your  letter, We must do two things:  

1.  Within 30 days of receiving Your letter, We  must tell  You that We received  Your letter. We will also tell  You if We have 

already corrected the error.  

2.  Within 90 days of receiving Your letter, We must either correct the error or explain to You  why  We believe the bill is  

correct.  

While We investigate  whether or not there has been an error:  

-  We cannot try to collect the amount in question, or report You as delinquent on that amount.  
-  The charge in question may  remain on  Your statement, and We may continue to charge  You  interest on that amount.  
-  While You do not have to pay  the  amount in question, You  are responsible for the remainder of  Your  balance.  
-  We  can apply any  unpaid amount against Your credit limit.  
After We finish Our investigation, one of  two things will happen:  

-  If  We made a mistake:  You  will  not have to pay the amount in question or any interest or other fees related to that  

amount.  

-  If   We  do   not   believe  there  was   a  mistake:   You  will   have  to  pay  the  amount  in  question,  along  with  applicable  
interest and fees. We will send You a statement of the amount You owe and the  date payment is due. We  may then  
report You  as delinquent if You  do  not pay the amount  We think You owe.  

If You receive Our explanation  but still  believe  Your bill is  wrong, You must write to Us  within 10 days  telling  Us that You  
still  refuse to  pay. If  You  do so, We cannot report You as  delinquent without also reporting that You are  questioning Your  
bill. We must tell  You the name of anyone to whom  We reported You as delinquent, and We  must let those organizations  
know  when the matter has  been settled  between  Us.  
If  We do not follow  all of the rules  above, You do not  have to pay the first $50 of the amount You  question even  if  Your  bill  
is correct.  
Your Rights if You  Are Dissatisfied With Your Credit Card  Purchases  
If You are dissatisfied  with the  goods or services that  You have purchased  with Your credit card, and  You have tried  in  
good faith to correct the problem with the merchant, You may  have the right not to pay the remaining amount due on the  
purchase.  
To use this  right,  all of the following must be true:  

1.  The  purchase must have been made in Your home state  or within 100 miles  of  Your  current mailing  address, and the 
purchase price must have been  more than $50. (Note: Neither of  these are necessary  if  Your  purchase was  based  on  
an advertisement We mailed to You, or  if  We own the  company that sold  You the goods  or services.)  

2.  You must have used  Your credit card for the purchase. Purchases made with cash advances from an ATM or with a  

check that accesses Your credit card Account do not qualify.  

3.  You must not yet have fully paid for the purchase.  

If all  of the criteria above are met and You are still  dissatisfied  with the purchase, contact Us  in writing or electronically  at  
the address listed  on  Your statement.  
While We investigate, the same rules apply to the disputed amount as discussed  above. After We finish Our investigation,  
We will tell  You Our decision. At that point, if  We think You owe an amount and You do not pay, We may report You as  
delinquent.  

~cu 1916 Black River Blvd. 

IW;■M•■■-•■:■■•■:■  (315} 356-3000 

Rome, NY  13440 

M-1

M-123148 

CONSUMER 
CREDIT CARD 
AGREEMENT  
AND  
DISCLOSURE  

VISA 

VISA/MASTERCARD  

This   Consumer   Credit  Card  Agreement  and  Disclosure  together   with  the  Account  Opening   Disclosure  and  any   other  
Account  opening  documents  or  any  subsequent  documents  provided  to  You  related  to  this  Account  (hereinafter 
collectively referred to as “Agreement”) govern the terms and conditions of this  Account. “We,” “Us,” “Our” and “Ours” and 
“Credit  Union”  refers  to  AmeriCU  Credit  Union  with  which  this  Agreement  is  made.  “You,”  “Your,”  and  “Yours”  refers  to  
each  applicant  and  co-applicant  for  the  Account;  any  person  responsible  for  paying  the  Account;  and  anyone   You  
authorize to use, access or service the Account. "Card" means the Visa or Mastercard® credit card and  any  other access  
devices, duplicates, renewals, or substitutions, including convenience checks, the Credit Union  issues to You. "Account"  
means the line  of credit established by this Agreement and  includes  Your Card.  

SECURITY INTEREST 

You  grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights  
the Credit Union may have in any  goods  You  purchase. 

If You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your  pledged shares  
will secure Your  Account. You may  not withdraw  amounts that have been specifically  pledged to secure Your Account 
until the Credit Union  agrees to release all or part of the pledged  amount. 

You grant Us a  security interest in all individual and joint share and/or deposit accounts You have with Us now  
and in the future to secure Your credit card  Account. Shares and deposits in an IRA or any other account that 
would lose special tax treatment under state or federal law if given as security  are not subject to the security  
interest You have given in Your shares and deposits. You may withdraw these other  shares unless You are in  
default. When You are in  default, You authorize Us  to apply the balance in these accounts to any amounts due. 
For example, if You have an unpaid credit card balance, You agree We may  use funds in Your account(s) to pay  
any or  all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during  any  
periods when You are a covered borrower under the Military Lending  Act. For clarity, You will not be deemed  a 
covered borrower, and Your pledge will apply, if: (i) You established Your credit card  Account when You were 
not a covered borrower; or (ii) You cease to be a covered borrower. 

Unless otherwise prohibited by federal and/or state law, collateral securing  other loans  You have with the Credit Union  
may also secure this loan,  except that a dwelling  will never be considered as security for this Account, notwithstanding  
anything to the contrary  in any  other Agreement. 

1.   USING YOUR ACCOUNT  —   By using the Account or  keeping the Card, You agree to the terms of this Agreement. 
You   agree  to  use  Your   Account  in  accordance  with  this   Agreement.  Your   Account  must  only   be   used   for  lawful  
transactions.  
2.   CREDIT LIMIT —  We  may  establish a credit limit as  part of  this  Agreement, which You  promise not to exceed. If  You  
exceed the  credit  limit, You promise to repay  immediately  the  amount which exceeds  the credit limit, including amounts  
due to finance charges, fees  or other charges. You may  request a  credit limit increase on Your  Account  only  by  a method  
acceptable  to  the   Credit  Union.  We   may   increase  or  decrease  Your  credit  limit,  refuse  to  make  an   advance  and/or  
terminate Your Account at any  time for any reason permitted by  law.  
3.   CONVENIENCE  CHECKS   —  We may,  from   time  to time,  issue   convenience  checks   to  You   that  may   be  drawn  on  
Your   Account.  Convenience  checks   may   not  be  used   to  make  a  payment   on   Your   Account.   If   You   use  a   convenience 
check,  it  will   be   posted   to   Your   Account   as   merchandise.  We  reserve  the  right   to  refuse  to  pay   a  convenience  check  
drawn on  Your Account for any reason  and such refusal shall not constitute  wrongful dishonor. You may request that We  
stop  the  payment  of  a  convenience  check  drawn  on  Your  Account.   You  agree  to  pay  any  fee  as  identified   in  this  
Agreement imposed  to stop a payment on  a convenience check  issued on  Your Account.  You may  make a stop  payment  
request orally, if  permitted, or in writing. Your request must be  made with sufficient time in advance of  the  presentment of 
the  check   for  payment  to  give  Us  a  reasonable  opportunity  to  act  on   Your  request.  In  addition,  Your   request  must 

Page 5 of 6 

03105847-MXC30-C-1-082517 (MXC302-E) 

Page 6 of 6 

03105847-MXC30-C-1-082517 (MXC302-E) 

© CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights  Reserved 

03105847-MXC30-C-1-082517 (MXC302-E) 

 
 
 
          
          
          
 
 
accurately  describe the check including the exact Account number, the payee, any  check number that may be applicable,  
and  the   exact  amount  of   the   check.  If  permitted,  You  may   make  a  stop   payment  request  orally   but  such   a  request  will  
expire after 14 days unless You  confirm  Your request in writing within that time. Written stop payment orders are effective  
only for six  months and may be renewed for additional six  month periods by requesting in writing that the stop payment  
order be renewed.  We are not required to notify  You  when a stop  payment order expires.  
If   We  re-credit  Your  Account  after  paying  a  check  over  a  valid  and  timely  stop   payment  order,   You  agree  to  sign  a 
statement describing the dispute with the payee, to assign to Us all of  Your rights against the payee or other holders of 
the check and to assist Us in any  legal  action.  
You agree to indemnify and hold Us harmless  from all costs and expenses, including attorney's fees, damages, or claims,  
related  to  Our  honoring   Your  stop  payment  request  or  in  failing  to  stop  payment  of  an  item  as  a  result  of  incorrect  
information  provided  to  Us  or  the   giving  of  inadequate  time  to  act  upon   a  stop  payment  request.  Note:  A   convenience 
check is not a check as that term is defined under  the Uniform Commercial Code. It is  an advance from Your credit card  
Account with Us and Your  stop payment rights are provided under this Agreement with Us.  
4.   REPAYMENT —  You promise to repay all amounts You owe under this Agreement. Your promise to repay includes  
all  transactions   made  to  Your   Account  by  You   or  anyone  You   authorize  to  use  Your  Account  as  well  as   all  interest 
charges and fees.  
For each billing  period, You must pay  at least the  Minimum Payment Due by  the  Payment Due Date.  
The Minimum Payment Due is 2.08% of Your total New Balance, or $10.00, whichever is greater, plus any amount past 
due  and  any  amount  by   which  You  have  exceeded  Your  applicable  credit  limit.  If  Your  total  New   Balance  is  less  than  
$10.00, then  Your Minimum Payment Due is the amount of the total  New  Balance.  
You may pay more frequently, pay more than the Minimum Payment Due or pay the total New  Balance in full.  
If  You make extra or larger  payments, You  are still  required  to make at least the Minimum  Payment Due  each month Your  
Account has a balance (other than a credit balance). The Credit Union may  delay replenishing  Your credit limit until the  
date the  payment is posted or the  Credit Union confirms the payment has cleared.   
Your payment of the required Minimum Payment Due  may be applied to  what  You owe the Credit Union in any manner  
the  Credit  Union  chooses,  as  permitted  by   applicable  law.  If  You  make  a  payment  in  excess  of  the  required   Minimum  
Payment  Due,  the  Credit  Union  will  allocate  the  excess  amount  first  to  the  balance  with  the  highest  annual  percentage  
rate  (“APR”)  and  any  remaining  portion  to  the  other  balances  in  descending   order  based  on  applicable  APR,  unless  
otherwise  prescribed  by  applicable  law. We may  accept  checks  marked  "payment  in  full"  or  with  words  of  similar  effect  
without losing any  of Our rights to collect the full  balance of Your  Account with Us.  
INTEREST   AND  FINANCE  CHARGES   —  We  will   begin  charging   You  interest  on  new  purchases  and  balance 
5.  
transfers on the first day  of the following billing cycle. We will  begin charging  You interest on cash advances  on the date of  
the transaction or the first  day   of the billing cycle in  which the transaction is posted to  Your   Account,   whichever is later 
(transaction  date). However, We will  not charge  You  any  interest on new purchases or balance transfers if You paid the  
entire  new   balance  on  the  previous  cycle’s  billing  statement  by  the   Payment  Due  Date  of  that  statement.  To  avoid  an  
additional  finance charge on the  balance of  purchases  or balance transfers, You  must pay  the entire new  balance on the  
billing statement by  the Payment Due Date of that statement.  
How We Calculate Your Balance:  
Interest  charges  on   Your  Account  are  calculated   separately  for  purchases,  balance  transfers  and  cash  advances  
(“Transaction  Type”).  We  figure  the  interest  charge  for  each  Transaction  Type  by   applying  the  periodic   rate  to  each 
corresponding “average daily balance.” To get the “average daily  balance” for a Transaction Type We take the beginning  
balance  for  that  Transaction  Type  each  day,  add  any  new  transactions  of  that  type  (excluding  new  purchases),  and 
subtract  any  unpaid  interest  or  other  finance  charges  and  any  applicable  payments  or  credits.  This  gives  Us  the  daily  
balance for each Transaction Type. Then, for each Transaction Type, We add up all the daily balances for the billing cycle 
and  divide  each  total   by  the  number  of  days  in  the  billing  cycle.  This  gives  Us  the  “average  daily   balance”  for  each  
Transaction Type.  
6.   FEES  —   In  addition  to  the  periodic   rate,  additional   fees   may   be  imposed   on  Your   Account.   If   applicable  to  Your  
Account,  the  fee  amounts  and  explanations  are  disclosed  on  the  Account  Opening  Disclosure  accompanying  this  
Agreement.  
7.   FOREIGN TRANSACTIONS  —  Purchases and cash advances  made in  foreign currencies will be debited from  Your  
Account in U.S. dollars. The exchange rate between the transaction currency  and the billing currency  used  for processing  
international  transactions  is  a  rate  selected   by   Visa   or  Mastercard  as  applicable,  from  a  range  of  rates  available  in  
wholesale  currency  markets  for  the  applicable  central   processing   date,  which  rate  may   vary  from  the   rate  Visa  or 
Mastercard as applicable, itself receives or the government-mandated rate  in effect for the applicable central processing  
date. The exchange rate used on the processing  date  may differ from the rate that would have been used on the purchase 
date or cardholder statement posting date.  

Page 2 of 6 

companying this Agreement.  

luded. The Foreign Transaction Fee  is set forth on the Disclosure acAgreement. 

isa  Platinum - A fee (finance charge)  will  be charged on  all transactions completed in . All fees are calculated 
a foreign currency. All  
ed  to U.S.  dollars. These fees  are charged excThe ept 

Secured VA fee (finance charge) will be charged on all transactions completed in a foreign currency
Visa -
fees  are calculated based on  the transaction amount after it is  convertThese fees are charged except where excluded. 
based on the transaction amount after it is converted to U.S. dollars. 
where exTcransaction Fee is set forth on the Disclosure accompanying this 
Foreign 
Standard  Mastercard  - A  fee  (finance  charge),  calculated   in  U.S.  dollars,  will   be  imposed  on   all  foreign  transactions, 
including  purchases,  cash  advances  and  credits  to  Your  Account.   A  foreign  transaction  is  any  transaction  that  You  
complete or a merchant completes on  Your Card outside of the United  States, with the exception of U.S. military bases, 
U.S.  territories,  U.S.  embassies  or  U.S.  consulates.  The  Foreign  Transaction  Fee  is  set  forth  on  the  Disclosure  
accompanying this Agreement.  
8.   AUTHORIZATIONS   — We do not guarantee authorization of a transaction,  either by Us or by a  third party, even if  
You   have  sufficient  credit  available.  You   agree   that  We   will   not  be   liable  for  failing  to  give  an  authorization.  We  also  
reserve the right to limit the number of transactions that may be approved  in one day. We reserve the right to deny certain 
transactions  for  any  reason  and  at  Our  sole  discretion,  including  for  default,  suspected  fraudulent  or  unlawful  activity,  
internet gambling or any indication of  increased  risk  related to the transaction or the  Account. You  agree that  We have no 
requirement to notify  You  of the specific reason  We denied a transaction. If  We detect unusual or suspicious activity, We  
may suspend Your credit privileges until  We can verify  the activity, or  We may close the Account.  
9.   PREAUTHORIZED  CHARGES   —  If  You  default,  if  the  Card  is  lost  or  stolen,  or  We  change  the  Account  for   any  
reason, We may suspend automatic charges  with third party vendors. If preauthorized charges are suspended, You  are 
responsible  for  making  direct  payment  for  such  charges  until   You  contact  the  third  party  to  reinstate  the  automatic  
charges.  Preauthorized  charges   will  automatically   transfer  to  the  new  account  if  the  account  is  reported  lost/stolen  or 
reissued with a new expiration  date if the recurring payment merchant is enrolled.  
10.   DEFAULT  —  You  will  be in default under this Agreement if  You fail to pay the Minimum Payment Due by its Payment 
Due  Date;  pay   by   a  check   or  similar  instrument  that  is   not  honored  or  that  We   must  return  because  it  cannot  be  
processed;  pay  by  automatic  debit  that  is  returned  unpaid;  make  any  false  or  misleading  statements  in  any  credit 
application  or credit update; file for bankruptcy; or die. You  will  also be in default if  You  fail  to comply  with the terms  of  this  
Agreement or any  other Agreement You  have with Us.   
If  You default, We may  close Your Account and require  You  to pay  any  unpaid balance immediately, subject to applicable 
law. In this Agreement and  on  Your Credit Card Application, You gave Us a security  interest in all individual  or joint share  
and/or deposit accounts  with the  Credit Union  and  authorized  Us, if  You  defaulted, to apply  the  balance in these accounts  
to  any  amounts   due.  You  agree   We  may   rely  on  Your  agreement  and   authorization  to,  upon  Your  default,  apply  any  
balance to any  amounts due on Your Account.    
11.   LIABILITY  FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION  —  If  You notice the loss or theft of 
Your  credit  card  or  a  possible  unauthorized  use  of   Your  Card,  You  should  write  to  Us   immediately   at  P.O.  Box   31112,  
Tampa, FL, 33631-3112  or call Us  at (800) 449-7728, seven days a week 24 hours a day.  
You   will  not  be  liable  for  any   unauthorized  use  that  occurs  after  You  notify  Us.  You  may,  however,   be   liable  for 
unauthorized  use  that  occurs  before  Your  notice  to  Us.  For  Visa  Cards,  You  will  have  no  liability  for  unauthorized  use  
unless You are found to be fraudulent or negligent in the handling of Your Account or Card. For Mastercard Cards, if You 
exercise  reasonable  care  in  safeguarding  Your  Card  from  risk  of  loss  or  theft  and,  upon   discovering   the  loss  or  theft  
promptly report the loss or theft to Us, You will  not be liable for any unauthorized transactions. In any case, Your liability 
for unauthorized  transactions will not exceed $50.  
12.   CHANGING  OR TERMINATING YOUR ACCOUNT  —  As permitted by  law, the Credit Union may change the terms  
of this Agreement and any  attached Disclosure from time to time. Notice of any change will be given in accordance with  
applicable law. To the extent permitted by  law, changes to the Agreement may apply to Your existing account balance as  
well as to future transactions.  
Arizona, California, Idaho, Louisiana, New  Mexico, Nevada, Texas,  Washington, and  Wisconsin Residents - Either  
You, Your spouse or the  Credit Union  may  terminate this  Agreement at any  time, but termination  by  You, Your spouse or 
the  Credit Union will  not affect Your obligation  to pay the  account balance plus  any finance and other charges  You or Your  
spouse owe under this Agreement. Your   obligation to pay the account balance plus any finance and other charges  You  
owe under this agreement are subject to all  applicable laws and regulations regarding repayment requirements. The Card 
or Cards  You receive remain the  property  of  the Credit  Union  and You must recover and surrender  to the  Credit Union  all  
Cards upon request or  upon termination of this Agreement whether by  You or the Credit Union.  
Residents of  all other states  - Either  You or the Credit Union may terminate this Agreement at any time, but termination  
by  You or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges  
You owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You owe 
under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card or 
Cards  You receive remain the  property  of the Credit  Union and  You must recover and surrender to the  Credit Union all  
Cards upon request or  upon termination of this Agreement whether by  You or the Credit Union.  
13.   AUTHORIZED  USERS   —   Upon   Your  request,  We  may  issue  additional  Cards  for  authorized  users  that  You  
designate.  You  must  notify  Us   in  writing   of  any  termination  of  an  authorized   user's  right  to  access   Your  Account.   Your  
notice must include the name of  the  authorized  user and Your  Account number  and/or any  subaccount number  issued to 
Page 3 of 6 

the   authorized  user  along  with  the  authorized  user's   Card  and  any   convenience  or  other  access   checks   issued  to  the  
authorized user. If  You cannot return the  authorized  user's Card or access checks and if  You request Your Account to be  
closed, We will  close Your Account and  You  may  apply  for a new  Account.   Alternatively, We may, at Our sole discretion, 
issue  You a new Account number and a new Card.  
14.   CREDIT REPORTS  AND  NOTICE OF NEGATIVE INFORMATION —  You authorize the Credit Union to obtain credit  
reports  and  any   other  information   We  may  need  to  verify   Your  identity  and  use  of  the  Account  when  opening   Your  
Account and for any update, increase, renewal, extension, collection or review of Your Account.  You authorize the Credit 
Union  to  disclose  information  regarding  Your   Account  to  credit  bureaus   and   creditors   who  inquire  about  Your  credit 
standing. We may   report  information   about  Your   Account  to  credit  bureaus.  Late  payments,  missed   payments,  or  other  
defaults on Your  Account may be reflected  on  Your credit report.  
15.   JOINT ACCOUNTS  —  If this is a joint Account, each of You  will be individually  and jointly responsible for paying all  
amounts  owed  under this  Agreement. This  means  that the  Credit Union can  require any  one of  You  individually  to repay  
the entire amount owed under this Agreement. Each of You authorizes the other(s) to make transactions on the Account  
individually. Any one of  You may terminate the Account and the termination  will  be effective as to all  of  You.  
16.   EFFECT OF  AGREEMENT  —  This Agreement is the contract which applies to all  transactions on  Your Account even 
though the sales, cash advances, credit or other slips  You sign  or receive may contain different terms.  
17.   SEVERABILITY AND FINAL EXPRESSION —  This Agreement is the final expression of the terms and conditions of  
Your  Account. This written Agreement may  not be contradicted by  evidence of any  alleged oral  Agreement. Should any  
part of this Agreement be found  to be invalid or unenforceable, all  other parts of this Agreement shall remain in effect and  
fully  enforceable to the fullest extent possible under this Agreement.  
18.   ILLEGAL TRANSACTIONS PROHIBITED —  You agree that You  will not use Your Card for any transaction, including  
any  type of electronic gambling transaction through the Internet, that is illegal under applicable federal, state, or local law.  
Even  if  You  use  Your  Card  for  an  illegal  transaction,  You  will  be  responsible  for  all  amounts  and  charges  incurred  in  
connection  with the  transaction. This paragraph shall not be  interpreted as permitting or authorizing any transaction  that is  
illegal.  
19.   APPLICABLE LAW  — The terms and enforcement of this Agreement shall  be governed by federal law and the law  of  
New York.  
20.   ENFORCING  THIS   AGREEMENT   —  We  can  delay  in  enforcing  or  fail  to  enforce  any   of  Our  rights   under  this  
Agreement without losing them.  
21.   COLLECTION COSTS  — If  We refer collection  of Your Account to a lawyer who is not Our salaried employee, You  
are  liable  for  any   reasonable  attorney’s   fees   We  incur,  plus   the  costs  and  expenses  of  any   legal  action,  as  further  
disclosed on  this  Agreement, or to the extent allowed by  law.  
22.   ASSIGNMENT  — We  may  assign any  or all  of Our rights and obligations under this Agreement to  a third party.  
23.   CALIFORNIA RESIDENTS  — A married applicant may  apply for a separate Account. Applicants: 1) may, after credit  
approval, use the credit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to any  
joint applicant. As  required  by   law,  You are  hereby   notified   that  a negative credit report reflecting on   Your  credit record 
may be submitted to a credit reporting agency if  You fail to fulfill the terms of Your  credit obligations.  
24.   FLORIDA RESIDENTS   —  You (borrower) agree that, should We obtain a judgment against You, a portion of  
Your disposable  earnings may be  attached or garnished (paid to Us by Your employer), as provided by Florida  
and  Federal law. 
25.   MARYLAND RESIDENTS  — To the extent,  if any, that Maryland  law  applies to  Your Account,  We elect to offer Your 
Card Account pursuant to Title 12, Subtitle 9  of the Maryland  Commercial Law  Article.  
26.   MISSOURI RESIDENTS  —  Oral Agreements or commitments to loan money, extend credit or to forbear from 
enforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protect  
You  (borrower(s))  and   Us  (creditor)  from  misunderstanding  or  disappointment,  any   Agreements  We  reach  
covering  such  matters  are  contained  in  this  writing,  which  is  the  complete  and   exclusive  statement  of  the 
Agreement between Us, except as We may later agree in writing to modify it.  
27.   NEW YORK RESIDENTS  —  We may  obtain a credit report in connection  with this  Account,  including  for any  review, 
modification, renewal or collections associated with this Account. Upon  Your request, You will be informed whether such  
report was requested and, if so, the name and address of the consumer reporting  agency furnishing the report. New York  
residents  may  contact  the  New  York  State  Banking  Department  at  800.342.3736   or  www.dfs.ny.gov  to  obtain  a  
comparative listing  of credit card rates, fees and grace  periods.  
28.   OHIO RESIDENTS  — The  Ohio laws  against discrimination  require that all  creditors  make credit equally  available to 
all  creditworthy  customers  and  that  credit  reporting  agencies  maintain  separate   credit  histories  on  each  individual  upon  
request. The Ohio Civil Rights Commission administers compliance  with this law.  

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