B.  Replacement  Cards,  copies,  and  special 
services. We may charge you a reasonable fee for 
issuing  replacement  cards,  expediting  delivery  of 
your  card,  an  expedited  payment  method  using  a 
service  representative,  providing  photocopies  and 
reprints that you request, and other special services 
as allowed by law. 

14.  Amendments—We  may  amend  or  cancel  this 
agreement  at  any  time  by  getting  your  consent  as 
provided  by  law  or  by  giving  you  a  notice  of  the 
amendments.  Cards  are  property  of  the  Financial 
Institution and must be returned at our request.  

15.  Military  Lending  Act—Federal 

law  provides 
important  protections  to  members  of  the  Armed 
Forces and their dependents relating to extensions of 
consumer  credit.  In  general,  the  cost  of  consumer 
credit to a member of the Armed Forces and his or 
her  dependent  may  not  exceed  an  annual 
percentage rate of 36 percent. This rate must include, 
as  applicable  to  the  credit  transaction  or  account:  
insurance 
The  costs  associated  with  credit 
premiums; 
in 
fees 
transaction;  any 
connection  with 
application 
than  certain 
application  fees  for  specified  credit  transactions  or 
accounts);  and  any  participation  fee  charged  (other 
than  certain  participation  fees  for  a  credit  card 
account). 

for  ancillary  products  sold 

fee  charged 

the  credit 

(other 

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 

While we investigate whether or not there has been 
an error: 

Your Rights If You Are Dissatisfied With Your Credit 
Card Purchases 

If you think there is an error on your statement, write to 
us at: 

Member Services 
P.O. Box 10409 
Des Moines, IA 50306-0409 

In your letter, give us the following information: 

• 

• 

• 

Account information: Your name and account 
number. 
Dollar  amount:  The  dollar  amount  of  the 
suspected error. 
Description of problem: If you think there is an 
error on your bill, describe what you believe is 
wrong and why you believe it is a mistake. 

You must contact us: 

•  Within  60  days  after  the  error  appeared  on 

• 

your statement. 
At least 3 business days before an automated 
payment  is  scheduled,  if  you  want  to  stop 
payment on the amount you think is wrong. 

You must notify us of any potential errors in writing. 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. 

•  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 
the 

responsible 

for 

question,  you  are 
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. 

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 at: 

Member Services 
P.O. Box 10409 
Des Moines, IA 50306-0409 

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. 

LS-9137
10/17 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CARDHOLDER AGREEMENT 

Defined  terms—The  following  terms  have    defined 
meanings in this agreement: “Account” means the credit 
Account regulated by this agreement, “Card” means the 
plastic cards issued under this agreement, including the 
numbers printed on the-  se plastic cards; “we,” “us” and 
“our” mean the financial institution appearing on the face 
of  a  Card; “you” and “your” mean anyone who signs an 
application  for  this  Account  or  is  a  guarantor  of  this 
Account; and “Approval Letter” means our letter to you 
approving your application and describing some of the 
terms of the Account (the “Approval Letter” which is part 
of the agreement). 

By  signing,  using  or  activating  a  Card,  you  accept  the 
terms  and  conditions  of  this  agreement  and  of  the 
Approval  Letter.  If  any  provision  of  this  agreement  is 
determined to be unlawful, the rest    of the agreement 
will  stand  and  the  unlawful  provision  will  be  deemed 
amended to conform to applicable law. All Cards are our 
property  and  must  be  returned  to  us  immediately 
according to our instructions, and we may repossess a 
Card at any time in our sole discretion. 

1.  Promise  to  pay—You  agree  to  pay  us  the  total 
amount of purchases, cash advances, finance charges 
or other fees or charges which arise from use of a Card 
by  you  or  any  other  person,  unless  the  other  person 
does not have actual, implied, or apparent authority for 
such use and you receive no personal benefit from the 
use.  You  agree  to  be  jointly  and  severally  liable  with 
anyone else who has made the same promise. 

2.  Credit limit—Your credit limit is stated on the credit card 
carrier, as well as on your monthly statement.  You promise 
to make purchases and cash advances only up to your credit 
limit.  Your promise to pay continues to apply even if the 
amount due exceeds your credit limit. Obtaining credit in 
excess  of  your  credit  limit  does  not  increase  your  credit 
limit. We can change your credit limit at any time to any 
amount (including zero). We will state the new credit limit 
on your next monthly statement. 

3.  Purchases  and  cash  advances—You  may  use 
your Card, up to your credit limit, to buy or lease goods, 
services  or  insurance  wherever  the  Card  is  honored. 
You may also use your Card to get a cash advance from 
participating  financial  institutions.  However,  you  agree 
not  to  use  your  Card  for  any  transaction  that  is  illegal 
under  applicable  federal,  state  or  local  law,  and  you 
understand that any such use will constitute an event of 
default under this agreement.  We are not responsible 
for the refusal of anyone to honor your Card. 

4.  Monthly  statements—We  will  send  you  a 
statement at the end of each billing cycle in which the 
Account has a balance. The due date for your payment 
will  be  25  days  after  the  last  day  covered  by  the 
statement. 

to  make 

5.  Payments—You  agree 
the  minimum 
monthly  payments  that  are  described  in  the Approval 
Letter, and to make all payments on this Account at the 
address specified on your monthly statement. We  may 
accept  late  payments,  partial  payments,  post-  dated 
checks, or any form of payment containing a restrictive 
endorsement, without losing any of our rights under this 
agreement. Our acceptance of checks or money orders 
labeled “payment in full” or words to that effect, will not 
constitute an accord and satisfaction nor a waiver of any 
rights  we  have  to  receive  full  payment.  Payments  on 
your Account that exceed the minimum payment due will 
be  allocated  first  to  the  Account  balance  with  the 
highest  APR,  and  then  to  each  consecutive  Account 
balance  bearing  the  next  highest  APR,  at  the  time 
payment is posted to your Account. Payments on your 
Account that do not exceed the minimum payment due 
will  be  applied  in  the  following  order:  finance  charges, 
fees,  any  applicable  installment  balance  minimum 
amount  due  that  is  calculated  separately  from  the 
minimum  payment  due,  the  Account  balance  with  the 
lowest APR, then to each consecutive Account balance 
bearing  the  next  lowest  APR  at  the  time  payment  is 
posted to your Account. 

6.  Balance  Computation  Method—We  figure  the 
interest charge on your account by applying the periodic 
rate,  as  stated  in  the  enclosed  disclosure  table,  to  the 
“average  daily  balance”  of  your  account.  To  get  the 
“average daily balance” we take the beginning balance 
of 
your  account  each  day,  add  any  new 
purchases/advances/fees,  and  subtract  any  unpaid 
interest or other finance charges and any payments or 
credits. This gives us the daily balance. Then, we add 
up all the daily balances for the billing cycle and divide 
the total by the number of days in the billing cycle. This 
gives us the “average daily balance.” 

7.  Cash advance fee—Cash advances are subject to 
the cash advance fee stated in the enclosed disclosure 
table. The cash advance fee is a finance charge and is 
imposed on the date of the cash advance. Interest does 
not  accumulate  on  this  fee.  The  following  transactions 
will be treated as cash advances: 

•  Using your Card to obtain cash from a 
participating Automated Teller Machine (“ATM”); 
•  Using your Card to obtain cash from 
a participating financial institution; 
•  Using a convenience check drawn on 
the Account; 
•  Obtaining money orders, travelers checks, 
foreign currency, lottery tickets, casino chips, 
vouchers redeemable for cash or similar items. 
•  Balance Transfers, if identified as 
cash advances on your Approval Letter 

8.  Annual fee—The annual fee, if there is one, on the 
Account is stated in the enclosed disclosure table. The 
annual fee is payable whether or not you use the Card. 

9.  Liability  for  unauthorized  use—If  you  notice  the 
loss or theft of your Card or a possible unauthorized use 
of  your  Card  or  Account,  you  should  write  to  us 
immediately at: P.O. Box 10409, Des Moines, IA 50306-
0409, or call us at 1-800-234-5354. 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.  However,  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 will not exceed $50. 

10.  Default—You will be in default if you fail to make any 
minimum  payment  or  other  required  payment by  the 
date that it is due. You also will be in default if you violate 
any other provision of this agreement and such violation 
materially impairs the prospect of you paying the amount 
due  on  the Account.  Upon  default,  we  may  demand 
immediate  payment  of  the  entire  amount  due  on  the 
Account and we may enforce our right to this payment 
as permitted by law. 

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. 
When you are in default, you authorize us to  apply  the 
balance in these accounts to any amounts due. Shares 
and deposits in an Individual Retirement Account, and 
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. The granting of security interest is 
only applicable to borrowers who are excluded from the 
Military Lending Act.  

11.  International  transactions—When  you  use  your 
Card for a transaction denominated in a currency other 
than  U.S.  dollars,  the  transaction  amount  will  be 
converted  into  U.S.  dollars  by  applying  an  exchange 
rate selected by the Card Association from among the 
range of rates available in wholesale currency markets 
or  the  government-mandated  rate  on  the  date  the 
transaction  is  processed.  The  rate  chosen  may  vary 
from the rate the Card Association itself receives. When 
you use your Card in a transaction outside of the United 

States to make a purchase, obtain a cash advance, obtain 
a credit voucher, or reverse any of these transactions, a 
finance charge equal to two percent of the amount of the 
transaction  (expressed  as  a  positive  number)  will  be 
assessed  against  your  Account.  The  foreign  transaction 
Fee  is  imposed  on  the  date  of  the  transaction.  Interest 
does  not  accrue  on  the  foreign  transaction  fee.  “Card 
Association”  means  either  VISA 
International  or 
MasterCard International. 

12.  Credit  reporting—You  authorize  us  to  obtain  credit 
reports on you when opening, renewing or reviewing your 
Account,  and  you  authorize  us  to  disclose  information 
regarding  your  Account  to  credit  bureaus  and  other 
creditors who may inquire of us about your credit standing. 
If you think we reported erroneous information to a credit 
reporting  agency,  write  us  at  the  Cardmember  Service 
address  on  your  billing  statement.  We  will  promptly 
investigate the matter and, if we agree with you, we will 
contact each credit reporting agency to which we reported 
and  request  a  correction.  If,  after  our  investigation,  we 
disagree  with  you,  we  will  tell  you  in  writing  or  by 
telephone  how  to  submit  a  statement  to  those  agencies 
for inclusion in your credit report. 

13. Other fees—The following charges will be charged to 
your Account as appropriate: 

A.  Late and returned payment fees. 
The following charges may be imposed, if applicable: 

• 
Late  Payment  Fee:  A  late  payment  fee,  in  the 
amount indicated in the enclosed disclosure table, may 
be imposed if the required minimum payment due is not 
received by the due date listed on the monthly periodic 
statement. 
•  Returned Payment Fee: A returned payment fee, 
in  the  amount  indicated  in  the  enclosed  disclosure 
table, may be imposed if your payment is returned for 
any reason.