CHANGE IN TEREAS. Wis may change the Jerre of thie Agreement fy mailing of deivering i You veriten notice of Ihe changes 24 Bregtribed by the Pedera! TrtheineLending Aci. To (hi aatant Permitio’ ty lee, the Ag hl ba change: the terme of this Agreament Indlucica, but ie not imide! to, the right to change fre peeked nate applicable to Your unpaid balance andor fitiey acheanoes AEFUSAL TO HOME CARDS OF COMVEMIEMCE CHECKS, ie ere not fans tie Be refkas of inacllty of merchants, nance fetes aed offers i aoe re Cards or Comenence Chai, ff decronic terials ie Sonar ie Gente @ complete o Gor ethdeawal oo ior heb ratenioriel! he Cards or Corvonienca Coteanke, LOST OR STOLEN CARDS ANDIOR CONVENIINGE CHECKS. Ta fapert a fost on alilen Cand or Gonvonianoa Chock, You sil itimesciatoty cal Wi al (UT) O85-2Aee or (AE B6-007H aller hours, cn weenie of Nellelays, FOREIGN TRANSACTIONS (EXCEPT S45NATURE VEbA). Por ariectons Inliaied in foreign curancies, tha amchange rales beeen tha tinsicien currency and fhe ply corey (U5. comers) will ber [ad a ake Geleched by VEEA bom the range of maha avails in eee Oureenry marine to fhe appease come! processing dete, witch fale may very from the mato VERA Beet iiss; or fb) hd Goeresnimondsted nae in effect lot theo snplicabic nenina pioosssing dala. For trergections aoouritg In lanaiyh courbes of tonaign Gurrptcies, You wil be changed 11M culculated on he (ine! eeiisinert amount EFPECT OF QGREEMENT, Even though ha sales, cam advan, credit or other slipg Yow eray ehgr on fepetee veer unig the Card contain lems, ttle Agreenant fa the contract ehich soluly apples fo wf fransecbons inotwing tan Canc. CONSENT TO AGREEMENT. You acknowikaige recone! ef a Copy 21 thi Agrepenett and Ciecincure By signing tte Applicaton and ‘Vout Great Gerd, by axing the (Cere, by ping Your Accaunl of by sivthoriting aores Ip use Tour Aeaaant, Wu agrees to apoopt lhe lites INTEGRATED DOCUMENTS. Any seperate sheet of piper Isbeled “Vdditional Ciaogoeere—Fedeol Teuth-in-Lengivg Act whith ik daliverd bp You one ralatea to this Agroomtenl i an iInlegraled pari ol his Agradmernt and Disciosure. DP OATING AND SCL. CaM FIMANCLAL IMFORBATHOM. ‘Yicu will prewide tacts io uel peronal inicaraien o ofber ‘inareial i iortradige vetted fp Vee, of Chor epee Vio al ane Ph AAS Pony fo ore fo Tere oe We dees neceeey, Mielke inguren pein fe Your eripiyenend, cred! eadiag ane) finance! reapcaneidlty br BSoodeoe wih applicebie laws ac mguiciions. You lueter agree thal We may ghe infgimation soour Ihe staiua and payment hinory of Your Accounk do oonsurhar Gea! reporting agencies, a poepecive iemiplover of Inauret, of 9 elale of federal libarteing agency having afr Apparel hag inane Eapeinoeel hed hor such informa TERMINATION. fo soliceble fw, eflhor You of Vie may cancel Your Agsauet al ong tien wheather or nol You arg ie deli, You wil, In any faee, ramnain Gable io pay any unpolt babinoes according 10 ep inna of fis Aigreement. GOVERNING LAW. This Agmwement js controlled and qiverned by the Gave. of the iale of Missourl inducing Section 400, b65 ASI exept ho Hr-cothend bal cn lees are incocmdafend wilh coring Recital La ORAL AGREEMENTS. Oral agreements or commitments to loan money, extend credit or to forbear from enforcing repayment of a debt including promises to extend or ranew such debt are vet enforceable, regardless of the lagal theory upon which it is based that is in any way related to the credit agreement. 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, oxcept as We may lator agree in writing to modify it. ‘Your Boling Rights: Keen ths Document fer Fusure Was This notice tells Fou étemal Veur nghits aud Cher reagenmnibilieey under the Fae Crean Gilling Act   Wf ow think there ib an error on Your siriementi, iiié to We al Our adda aloe i thie Agora, In Your letier, give Lil Ue folkneing infonmmalias:  Aeeouniinformatien: aur merce and Acoount number * Delaramount The dollar amount of the siacected orrer. * Deacigicn ol probleme | vou think there mp an ore? on Your oll, desorbe wha! You beleve os aporg ard why You bevierve It a Pa Wou mmunt Sirriend Ue: + Within 60 daye afer the erreur apnoarcd on Your pistomont, + Ai eel 3 business doya belees an automated payin! scheduled, if You wanl to slop paymnent.on the ancl Yeu think ba Whew. You Must Adtity Ue of any potential ereges in wring. ‘You may cal ie, bat! Yeu de a dine fot paquired bo Imagatigale any pobantal onors and You ery heewe bo pay ite annie lie quiallon, Wiha Wil Hanpan Arion Wo Rocetve Yower Lestor VWieen We recehne Your letter, Wie must de tae things: Wein 0 diagrs of peceving Ficwr iether, We raed bell Tom treat We mcetieed Vou eer Vee wil ake el You 8 Wie fae abpedly corsected the aero 2) Within @) clay of heteting Your lotter, Wie musi either correct the aero on eplain to You whey We bashers the Bl i conrad, While Wo invaeligqate whether or not there hea Been an afro: + Wir Gann oy Me ogliect Ihe amount in quastion, of repo You aa delinquent on that amount 1 The chard ih qudation May remain on four aiatemen, and We May coinus to change You inhereat or thal amean, = (Alp View dio not hawt be pany the amount I gaan, You are Pectatiarega Ree iter hag: rere ce OR ge Baca aero: + ie ces apply ony engald amend agers Yoo! Credit Lit Alter We feieh Char investigation, one of tes things il happen: > {Wa made 6 misioke: You wil not hawe 6 gy the amaurd question o arr iitienst of other tees relatod lo (hat anrapunt. «UE donot Gerla ere wis a mishaloge Yqu well hae to puny Ihe armcunt i question, along with appbeabioe nlerash and less, Wo wll dand eu a alaleenent of the amount fou vere and the hale panmient io due. Wie may fart cept eq ae delinquent # You do not may the arid Wee thine You dena F You meoeke Cun depilaeadion bol ofl eles Nae fl i wor, You mail webs fn Le wie 10 cays talllieng Ue thet Vig 20 pete a> femy. 2 Vou 60 a0, WA Cannot saga You af dainguat athad also reporting Tal You ere questioning Your bil. We must tell You tha name ol aryane ta eho we fepiied Yay as delingveni, and Wo must fot thoge eneneetons know whon the mallet hes been softied batwaen Us. 2 edo not tole all of fhe lsd abowo, You donee howe bo pity di Nest $50.00 of the arnount Yea quedion owan Your bi) be correct Your Aigeets if You are Dissatialed Wih Vous Crocit Gare Prershases fF You ate cijpatgied wit the ponds of aeeveoeh Pat You fans puccheeesd wth Your Geedt Gard. ered Vou caren ied in goed tae to erect Pe peoteen eth the merchani, You map Meee ihe ng fot to pay the spenaining aman dit on the purchase, To use tie inght, all of tha Nodielag must be true: 1) Tre purchade mukt bas been mado in Your hate stale or with (100 eeilea of Your current maiing aikdenes, ara the fusthanes pring must fevo boon more Man $5000. iNoke Meilhor ef thegd ora necieaery 7 Vaut purgnade eas based on 5 aver aman Wie omalied In You, of EWio own fai Goripany hat sof You the goods or sardines | Vou mul Fava used Your Credit Gard lor the purchase. Purcteaes mack with cosh advances fom as ATM or with @ Check rat aceaies Your Cradi Cand aceeent do net quaiy. Dy View ceet fet pet eres fury pani for ep pa Pea, fost of Pe othetia atdes one cet ered Yop ore ail decoteted with the [atitieie, Gortisct Ws. in welling of Cad eddeees ehoan im Tite Agraria. While ie invesigals. the same ruins apply io fee disputed amount He dincusmecl aioe. Altar ‘ie finde Cur investigalion. Wie will tal fou Our deolelon. 4 thal point, Hie think You de an amount and Yeu de nol pay, We may ropert You ae delinquent   PURINA Credit Union AMES Deen Be age ee vi 1007 Wyech Sireet + St Louis, Mi ace ne 4s FP + (BO) Soe * Copyright Dial Tre Fipsiretas Syaterre bev. {hea H1?, Al Ajit Aeserverl CPE Gl WIR AME pat Olrstolim@relce    Disclosure FEATURING Preferred Platinum VISA Platinum Points VISA Signature VISA Platinum VISA   PURINA Credit Union Sls s tee Sere ees rls eeTHIS (8 YOUR CHIDIT CARD AGREEMENT AND DISCLOSURE CONTSIKING HECESS4RY FEDERAL TRUTHIN-LENDING DISCLOSURE STATEMENTS, AND ANY BRECIAL INSTRUCTIONS REGARDING THE SE OF TOUR CREDIT CARD. PLEASE BE SURE TO READ THIS AGREEMENT CAREFULLY AMD MOTIFY LIS a) GOCE ANY PARTS ARE UMOLEAR. ln this Agreement, fe mleenee 9 ie” Ue" er” ond "Gredt Unio mean the ANHEUSER-BUSCH EMPLOYEES’ CREDIT LANION and he diwgions, American Eagk Creel Union and Purina ‘Credit Union. The wonls You" anc “Your mean seach person wha mocap Fis Agreement of ued any Paalared Plalinum VISA, Pistiowm Fonts VGA, Signature WGA, or Platinuen VISA Crm Card. “Aoopunt” means the Pralered Platinum VIG, Platinum Points ViSA, Signature VISA, or Patinuen WEA Credi® Gard Acmount cglabliched for You. Tha words ‘Credit Cari or “Cant mean any Prelered Fistiqun VWiTA, Fisiiewm Pola WA, Signature Wiha, or Piatiogm VISA Gredil Gand fsued to You and acy depicates and rennin. “Convenienas Chacka" teen the opal Asscun ancien Gewiows (het Wie may peovice for Your ues from timo to time. F this is a [ole ancounl, road singular proncuna in fe plural. You understand the folowing farms consiinute the. Agrmamont PROMESE TO PAY. Your Account may bo gocessibie through a Vary Of mean whieh ould inchodn devas feglaial forme, vouchent, cheska, changes slips, Grdit Cards. Gomvenienoes Chaois, Online Ancess and the fli. Ragardinas of the apmas Ingans, ou promise ip pay We all amounie charged to ‘four Aocount by You or by any user who hos aecaas bo Your 4oncert, wih actval, apparent of implied aulhorily for use of Yeni Account, induding Finance Charges and other teas or charges. dasonbad han. ZOINT ACCOUNTS. Each Cardhiokier iP ba responsi, jolniby and) generally, for the repayment oof amounts owed. Vou und@oenshind that any Gard which i raqueshid amd approved vill ba Treales ony to the pei Candhaiter al fs address lhe Wie fipee on file for You. We may reduee fo folie any instructions which mm oounlor bo this previaion, OWNERSHIP. Your Gord remaing Our prope are men he ceeupttbed by ‘Lis al en time wRhoul notice, Toy agres bo semender Your Gand and to discontinue ia uae Inmadialaly upon Gur request. USE OF YOUR CARD. You may make pumases by presenting the Gand too participaliny plas mance or by quieting 9 galas draft, fou may obhin cash advances by preeerting fhe Card to Us of another financial insitiuden; by authorizing A cash advanoa crail, aby ueing Your PM in coqjunction with the Gerd in an ATM or other hpe of oleotronio tenednal thal homers Your Card. You agro nol in eae Your Gerd for Teapal trangecions iechucing, bul mal imited to, arwances. made for iho purposes of gambing andar vengering whard auch prac ane in vigkion ol appicabke Stain andor deeral buy, ISEUANCE OF PERSONAL IDEMTIFICATION NUMBER. ta vel jprus serarete Personal ifent@ication Mumbers (Als) for wee eth Participating Aulomated Telfer Machines (ATM). Thana PINS are bonfikkential and should not be dietloeed bo anyone, ow iy ies ‘Your Pie tp aocess our Account and all sums advanced will bo fiided io our Gadance. in ihe avert a ise of Your Fitts coreiiue an Electonig Fer) Trangie, ihe bene and conditions of Your Biecironia Fund Transfer Agreement may ao allect Your rights, Your ula of thie Pie be Your authorization to Ls to change Your AOU nL bo pone uch iiniceLofons. CREDIT LIMITS. 1 Your apolication for an Account is approwod, You wil ba notified of Your apeciin Ondit Lima(a) foe tanacions mace unger Four Account Unless You are in Getauil, amy Credil Umer established tar Vou wil be sol-ieplamishing as You maka ayes an Your Account You wil aaep Your unpald balance wuthin any Grodk Limit sol oy Us, and You wil pay any amcum over Your Grad Limion Our demand whether or nol Wie authori the ecvance which caused You io akcoed any Credit Limi Ewen il Wour unpaid halanis i bee Pua Your Gradif Limi, Yea vill Pave noone avaiabhe during any time that any asnect of Your fincount fs in doll. FINAKGE CHARGES. In tha casa of any raegactions under Your Aooount, Te faldeces sublect io Ue periodic Pinanas Ghee are the sepernis average dalky farsoctiona balamoos outstanding Guiting the month fiesuding caw irangactions) for purthapes, cag advanced, kelance tansfinrs and convenience checks. To pot each avoriga daly balancy, We tate ihe Beginning calance for purstaees, cash advances, balonce Granslers and comeenienoe ooecks each day, aid any raw transactions for punches, cash avans, Galanos tamale, and conwenianos check [and raunince premiums, dobit odjustmenis of olher chames, os Bpplcablal, and aublrec| any payment, cedis ad unpaid Finance Charges. This gives Us tho daily balamon!s) for pumhasos, oish achances, balance iransiora and ciiwenience checks. That, We add up each of the popanste day balanoss for purchases, cosh achanoes, balanoa thanahers and comnanianoe chacka for tha biling de bred divide thers by the urbe of day in bs Gillirgy cycle bo orive at tie saperdia avemgo daily Imnsactons balanogs for purchased, cabh advanees, balance tranelers and coervecdance dhecks The Finance Choege lor a bling cycle & computed by Trullipying gach awafage daily balinoe subject to a Finance ‘Chaega iby the applicable Debs Periodic Anis times the cumber of days in the biling cpa. Tho sum of cach of ihaoe soparaia Finance Charge caleuistions is es total Finance Charge owed bor thet billing cycle. You can avoid Ganon Ghengos on purchoses, balance Innsfors and conveniania checks fy paying the full amcent ef the enti Salanee cyedieesch month within 28 deve of four sktement closing date. Oihorwvise, ie now balance of purcheans, balance Imnsfara al conanEno check, and aubseaquerl gurchaees. bala fanslers and conventomes checks from it dale thay aro posted ta Wour Aocounl, will be aij fo a Fine Ghange, Cah acheanies are ahaa subpe! fe a Firanes Change een the date o! the Mansanion ar are nol subject to tho 2iecay grace period decerbed born. The cnimum FINANCE CHARGE that You will be required to poy in any Billing cytke that a Finares Cheege a due ie S060. Por important Account ieformalion and the applicable Margin and Bailly Porindic Rain [amd corresponding Anfual Parcerdiaga Rate). refer fo Gn “Credit Card Approval” that We fave prowide! In comjunciion with this Agreement, which You andoriond ond agree is on imoegrated pari of this Agremiard. VARIABLE RATE (EXCEPT PLATINUM VISA). For al Ganda (geeam Plain VERA) faneechong ar subject io a Varable Rate which to baeed on they Aighest Prime Fiabe os published In Ine Wong! Fale socdon of The Wall Strae! Jeurra! if elles an the 140 day ol @ach caleedar paint Pindes) plus Our Manin. Ths Indo plus tha Margin equals the ivierast Ate. Changes if the lines il Calin changes in ihe infefed| Mate on the test dey of the billing oye in the month that immadiainby foliras & change la the index, lnciaages or dannasas In thm bierne, Alale yell cause lke incrasses of decries in fe Finanos Changes and will alfect ihe numbarool Your rmogulary scheduled payed. For all balances Your interne! Fate will never be Gredter than 25.00%. MINE MONTHLY PAYMENT. Theat You raed omy pene de Minimum Wortaly Poyments, ou understand that You have the Tigh bh fapay of malig lager parents at any tiene witout pera ty You wil only be changed peeicdic Finance Ghanges to the cate You fapay Your anting balance. Ary partial payment or prepayment will not delay Your meal scheduled payment. Aa payment to is must Geo in itu orey of the United Stains. As pormiiond by lew, Wa aly appl payer in an onder of Our chaciing Any unpeg Portion of the Finances or Late Oharge well bo paid by subsoquent peyenis, Vou uecgratand thal any daloy in ihe repayencnt of Yar unpakd balance wil inceese the amount ‘foo edl pay in Finance Changes and. any sceclomiion in the reduction of Your unpaid balance wll decree tes arcu Foy alll pay in Fanance Chaeges. For ad Gandy [oeepl Signature VIA), Your Minimum Marthly Payment wil be 2.00% of Your balance al tha end of eoch billing Gyde plus oher ppplinable changes, any pest dass fllsdnrrarn Meariliby Payments and any amount thal escneds Your Oresdit Limk, subject to the lossar of $25.00 of Your balance. For Signaiure WGA, Your Minimum Ponihh Poymer wil be 2.07% of Your alone: afl tha and of deck billing yoke plus other apphoable charges, any pest due Minimum Monthy Poyments and any amount Chal acces: Your Ceadit Linil, subject to ihe lasaer ol £25.00 of Your balance, LATE CHARGES, if Your payment @ five oe mone chee fate, You Will be oharnged Ihe hesser of: (a) 26/00; or ib) the anguni of the minimus payerenl gus, OTHER FEES AND CHARGES. You wil be charged tha folowing iota and changes aaencieled wilh Your fuocourt: (2) for all Cards [aicent Signature VELA), o cash acvanse lee FINANCE CHARGE Of E2000 for each ceagh or. quad boas Qangoactan aud? a6 teller and AUT Geeh echances, vine tranaler, Ihe purchaso of money orders, ieetting or iotiory Gokols and olhor cach-lee framactons: (6) tor Signature VIA, a cash acvence ten FINANCE CHARGE equal io (he greaher of 3.00% of each cash of quahcasn iransaction such a8 foller and ATM cash advances, wire transfer, the puch of money, orders, balling or lafery fickals and other cash-liko Iremsactons, of $10.00; and (ch for all Gerds, a Pending fee eqpaal fe em beso of GS er thee raquised minimum peyment samocunt ier iho mlumoed poymert, plus ety charges sgeasead by an Instiiution for processing a refused Instrument used lor payer on Your Aepaunt, PERIODIC STATEMENT, Om & pequinr basis, You will recov oo aitemant showing all Taractons on Faun Aecount Inching acura pall and boris since Your loot ssatement. Win will mail Vou a statement eech fling eycke in whieh (are ip a dehitor credit balance or whon a Finanoo Change is imposed. We maed nel dened You a slatenten We feed Your Accum is umcolloolibia on Ht Ve have glared collection proceedings agame! Vou baat Fou Galtuliad. Gach thalaenent is deemed be ba a correct stabomont of account Unless You establss a tilling error puta to ths Fadaral Truttlies Lomdineg Act. OUR RESPONSIBILITIES TO HONCH CONVENIFMCE CHECKS. Wie aro undor i ODigation In honor Four Goreonieno Checks 1:11) by paying o Convenience Check, You would astmge Your Gredit Limil; (2) Your Cards of Convenience Chooks have been reported loel or plolen: £8) Your Aa u Tl thas fen cance lec OF has Gap. Ha posideted Convenience Check is peed and, as 6 reall, sey other Garveriona: Chack ff mtumed unpaid, We ar fal msponshie for any roswling loss. TRAN SUCTION SLIPS. ‘Your periodic siaiement wil idently fax Tacha, ehectone hamming or tinandal instiion at which fareadcions were made. bul sales, cae advance, ceedit on other Sips wil not be retumed with the statement You wil retain the éopy of auch sips furnieend al the tine of the transaction in order fo wert Your monthly statemant. (CREDMTS. # a merchart who bono Your Gard gives You Gredif far TIWene oF adjucinanis, tee manchent will do eo by conding Us o ep wich wil be posied Io Your Aepuni, F Yow cradia and ayments exoaad whal You owe Us, We will hold and apoly this ened apices! liters Purses anal ah oceans, oF I A i 91.00 of man, refund on Your written mquest of automalically deposi Ito Your Shane Account after sid months, DEFAULT. ‘You will bo in dofauh A: fa) You do not moka any payment ar pele any cbtigahion uncer (hia Ageeeteenil, CF ary othar agrecment lho You may hawo with Us; or [b) You should de, become invotve in amy ijneshaney, meeaienhip or cuntidial roceadiag: broughl by or againel You; or fc} You have eek 2 Iie of migkeuding etatamant in Your credh application andor in Your reprosertaians to Us while Yiu owe money on: Your Aonownt; or (do) fucigriant of tax len should be fied against You of an amachment or garnishment ahovkd be iesued ageing! any of Your Peuperty or rights, apectical hy Induding anyone starting an action at romeding to sel ary ol Vour funds on dems with Ue: andéos fe} Wie should, in good tedh, been Your noility fo repay ‘Your indetiedinnes hereunder ie ar aoc Vall be imnaired, tine being of The Vory DSnonon How are in celal, Wife may, bo fe exten! penmifed by baw, canoe Your fights under thie Agenement, daclarn tha onties enpald balances of Your Account iemedalely due and payable and require the faluen of all nooess dawices. If immedale payment is Gemanced, You Wil comin be pay inboreed at tha applienbiba inharael cates in effect under Your Account until wheal You oes hes peesn repaid. (COLLECTION GO87S, To the extent permitiod by kv, You wil fainiburmee Us for ALL oof Our costs amd oxponses, inching reasonanhe amocnieyd' leas incited in the coune of collecting Any amaunis owed under iis Agreament or for the reoowery ol any Golabarel in he een Your Accnint bi retard for colaction in an abiorey who ie not our selaned amployee smd suit is broghl, You wil aleo Be requir to pay ailomoya® fone mot io mooted 150K. of tha amount du4 and payable under this Agreentent, logeler wilh ani Cour DoGis associ. CREDIT INSURANCE. Grodi insurance is not requbed for any GxRgiOn Of GREE Under itis Agresmnanl Hiner, Ficus many purchase any credit insurance salable Ghrowgh Ue. and have the Premium added to tho ouishinding balance. If You aieot fo do ao, You wil be given lhe neietary Goosines ang documents Srninmiay. Any credit insuranoe premiums will ba changed to Your Aaraurk aa o purchade ENFGRCEMENT. ‘iia ao not ioe Gur rights under this or any falafed agreement @ We deny enioening fem, We con somept inte paymants, partied payments, of any olher payrnerta, oven i thay are marked “peed in aul? withoul joeing ary of Gur rights uscier fis Aqpeoment Wf any provision al fis or any polaied agreement is dekemined io ba unenforceable of invalid, all athe provienna remain in ful lores and attect. UNAUTHORIZED USE. You may be isdle jor the unsuthorized Lins ot Your Gard. You will mot be fiabie for tha uinauthorbeed use thet gocurs aher You notity Ws orally and in wrling of [he sdidreas of lakephona sumbar shown in this Agresment, of the lows, thoft, or posable unauthoriged uae, In amy Geée, eur Tabdiby welll vot Geo) S500 TH). NOTIFICATION OF ADDRESS CHOMSE. rou mil matify Us peompdy if You ca or olhaneie howd a change ol odcheas