LGE Community Credit Union  
P.O. Box 1188 
Marietta, GA 30061 
770-4 24-0060
Fax: 770-4 21-2694
www.lgeccu.orgBUSINESS CREDIT CARD  
AGREEMENT 
IN THIS AGREEMENT, "YOU" AND "YOUR" MEAN THE COMPANY, EACH GUARANTOR AND ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE DESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS LGE COMMUNITY CREDIT UNION OR ITS SUCCESSORS. BY USING YOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN. 
Personal Identification Number (PIN). We may issue a Personal Identification Number (PIN) for use with your Card. This PIN is confidential and should not be disclosed to anyone. You may use your PIN and your Card to access your account, and all sums advanced will be added to your account balance. In the event a use of your PIN constitutes an Electronic Funds Transfer, the terms and conditions of your Electronic Funds Transfer Agreement may affect your rights. Promise To Pay. You promise to pay us in U.S. dollars for (a) all purchases, cash advances, and balance transfers made by you or anyone whom you authorize to use the Card; (b) all Interest Charges and all other charges or fees; (c) collection costs and attorney's fees as permitted by applicable law, and any costs incurred in the recovery of the Card; and (d) credit in excess of your credit limit that we may extend to you. Illegal Transactions. You agree that your Card and account will not be used to make or facilitate any illegal transactions as determined by applicable law; and that any such use will constitute an event of default under this Agreement. We may decline any transaction that we believe to be illegal under applicable law, including but not limited to any transaction involving or relating to any gambling activity. You agree that we will have no liability or responsibility for any such use by you or any authorized user(s); or for declining any such transaction. You further agree to indemnify and hold us harmless from any suits, liability, damages or adverse action of any kind that results directly or indirectly from such illegal use. You promise to pay us any and all amounts owing on your Card for any transactions made by you, even if the transaction is determined to be illegal. Others Using Your Account
. If you allow anyone else to use your account, you will be liable for all credit extended to such persons. You promise to pay for all purchases and advances made by anyone you authorize to use your account, whether or not you notify us that he or she will be using it.  If someone else is authorized to use your account and you want to end that person's privilege, you must notify us in writing, and if he or she has a Card, you must return that Card with your written notice for it to be effective. Ownership of Card. Your Card remains our property and may be cancelled by us at any time without notice. You agree to surrender your Card and to discontinue use of the account immediately upon our request. Interest Charges. You agree to pay interest at the rate(s) disclosed to you at the time you open your account and as may be changed from time to time in accordance with applicable law. Average Daily Balance including new transactions: Interest Charges will accrue on your average daily balance outstanding during the month. To get the average daily balance, we take the beginning balance each day, add any new purchases, cash advances, balance transfers or other advances, and subtract any payments, unpaid interest charges, and unpaid late charges. This gives us the daily balance. Then, we add up all the daily balances for the billing cycle and divide that by the number of days in the billing cycle. We then multiply that by the periodic rate corresponding to the Annual Percentage Rate on your account. If you have different rates for purchases, cash advances or balance transfers, separate average daily balances for each will be calculated and the appropriate periodic rate is then applied to each. Grace Period on Purchases Only: You can avoid Interest Charges on purchases by paying the full amount of the new balance for purchases each month by the date on which the payment is due. Otherwise, the new balance of your account, and subsequent advances from the date they are posted to the account, will be subject to an Interest Charge. You cannot avoid Interest Charges on cash advances and balance transfers; even if you pay the entire cash advance balance or balance transfer balance by the payment due date, you will incur the Interest Charges accrued from the date the cash advance or balance transfer is posted to your account. Fees. In addition to the Interest Charges set forth above, you agree to also pay any and all fees that you incur as disclosed to you on your Truth-in- Lending Statement or similar disclosures (as may be amended from time to time), or as disclosed to you during the term of your Card. 
If Your  Card  is Lost  or Stolen or if an Unauthorized  Use Occurs.  You 
agree to notify  us immediately  if your Card  is ever lost or stolen  or if an 
unauthorized  use may have occurred.  "Unauthorized use" means the use of 
the Card  by someone  other  than you who does  not have actual,  implied  or 
apparent  authority  for such  use, and from which  you receive no benefit.  The 
telephone  number  to call is (770)  424-0060.  You agree to follow  up your call 
with notice in writing to us at: LGE Community  Credit  Union,  Attn: Support  
Services  Department,  P.O. Box 1188,  Marietta,  GA 30061.  You also agree to 
assist  us in determining the facts, circumstances  and other  pertinent  
information  relating  to any loss, theft or possible  unauthorized  use of your 
Card  and comply  with such  procedures  as we may require in connection  with 
our investigation.  You will be liable  for any unauthorized use only if we can 
prove  that you were negligent  in your use or handling of your Card,  or if we 
can prove that you  used  your Card fraudulently.  
Minimum Payment Due; Crediting of Payments. Payments are due in the amount and on the date disclosed on your billing statement. If your payment is received by us on a business day at the address and by the time designated on the billing statement, it will be credited to your account on the date of receipt. If payment is made at any location other than the address designated on the periodic statement, credit for such payment may be delayed up to five (5) days. Payments will be applied in any order we determine, subject to applicable law. Default; Acceleration; Credit Suspension; Collection Costs. You will be in default if: (1) you fail to make any payment on time; (2) if you fail to keep any promises you have made under this Agreement or under other Agreements you have with us; (3) if you die; (4) if you file a petition in bankruptcy or have a bankruptcy petition filed against you, or if you become involved in any insolvency, receivership or custodial proceeding;  (5) if anyone attempts to take any of your funds held by us via legal process or if you have a judgment or tax lien filed against you; (6) if you make any false, inaccurate, or misleading statements in any credit application or credit update; (7) if we, in good faith, believe that your ability to repay what you owe is or soon will be impaired, or that you are unwilling to make your payments; or (8) the Company is sold, merged, or the majority ownership of the Company has transferred to any person and/or entity that did not have such   majority   ownership   at   the   time   the   Account   was   established. 
Page 1 of 3 THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT. YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY INTEREST  IN  ALL  ACCOUNTS  T H E  C O M P A N Y  A N D  E A C H G U A R A N T O R HAS WITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF CREDIT EXTENDED UNDER THIS AGREEMENT. YOU ALSO AGREE THAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE AND/OR FEDERAL LAW. IF YOU ARE IN DEFAULT, WE CAN APPLY SHARES TO THE AMOUNT YOU OWE. Shares and deposits in an Individual Retirement Account or any other account that would lose special tax treatment under state or federal law if given are not subject to this security interest. 
If you have other loans with us, collateral securing such loans may also secure your obligations under this Agreement, unless that other collateral 
is your principal  residence  or non-purchase  money household  goods.  
Using Your Card. The Card and the Account may be used for authorized 
business purposes only and may not be used for personal, family or 
household purposes. You can purchase or lease goods and services from 
any merchant who honors your Card, and you may obtain cash advances 
from financial institutions and ATM machines that  accept the Card, up to 
25%of your maximum credit limit. You agree not to present your Card or 
obtain a cash advance for any extension of credit in excess of your available 
credit limit; however, if you do exceed your credit limit, you agree to make 
immediate payment sufficient to bring the balance below the credit limit. 
Certain purchases and cash advances require authorization prior to 
completion of the transaction. In some cases, you may be asked to provide 
identification. If our system is not working, we may not be able to authorize a 
transaction, even though you have sufficient credit available. Also, for 
security reasons, we may block the use of your Card in certain countries or 
geographic areas. We will have no liability to you or others if any of these 
events occur.  3/2021  Page  2 of 3 IN THIS AGREEMENT, "YOU" AND "YOUR" MEAN THE COMPANY, EACH GUARANTOR AND ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE DESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS LGE COMMUNITY CREDIT UNION OR ITS SUCCESSORS. BY USING YOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN. 
If you  are in default,  we have the right to demand  immediate  payment  of your 
full account  balance  without  giving  you  notice.  If immediate  payment  is 
demanded,  you agree to continue paying interest  charges  and fees until  what  
you owe  has been paid,  and any shares  that were  given as  security  for your  
account  may  be applied  towards  what  you  owe.  You  agree to  pay  all 
reasonable costs  of collection,  including  court  costs  and attorney's  fees,  and 
any costs  incurred  in the recovery  of the Card, subject  to applicable  law. Even 
if your  unpaid  balance  is less  than  your  credit  limit,  you will have no credit  
available during  any time  that any aspect  of your  account is in default.  
Suspension of electronic services and access to share or deposit 
acco unts.   Subject to applicable law, we may suspend some or all electronic 
services and access to your checking or other account(s) if you become 
delinquent on any of your credit card or deposit obligations to us or you cause a 
loss to us.  We shall not be liable to you in any regard in connection with such 
suspension of services.  
Additional  Benefits/Card  Enhancements . We may  from  time  to time  offer  
additional  services  to your  Account  at no additional  cost  to you.  You  
understand that we are not obligated to offer such  services and may withdraw  
or change  them  at any time.  
Convenience  Checks.  We may,  at our discretion,  issue  checks  to you which  
may be used  for any purpose  other  than  making a  payment  for credit  to your 
account.  By signing  such  check,  you  authorize us  to pay  the item  for the 
amount  indicated  and post  such amount  as a cash  advance  to your  account.  
We do not  have  to pay any item which  would cause  the outstanding  balance  
in your account to exceed your credit  limit. 
Credit  Information.  We  may  from  time  to time  request  company  and 
personal  information  from  you  or obtain credit  reports  from  the  credit  
reporting agencies  for the purpose of updating your credit  status.  Your failure  
to provide such  information  when  requested  by us may  result  in suspension  
of credit  privileges  under this  Agreement,  including  your  ability  to obtain  any 
future  advances  by any  means.  You  authorize us  to investigate your  credit  
standing  when opening or  reviewing your  account.  You  authorize  us to 
disclose information  regarding your account  to credit  bureau and  creditors  
who inquire about  your credit  standing.  
Foreign  Transactions;  Currency  Conversion.  Purchases  and cash  
advances  made in  foreign  currencies  will be billed  to you in U.S.  dollars.  The 
conversion  rate in dollars  will be a  rate  selected  by the card company  from  a 
range of  rates  available in  wholesale currency  markets  for the applicable  
central  processing  date,  which  rate may vary from  the rate the card company  
itself receives,  or the government -mandated  rate  in effect  for the applicable  
central  processing  date  in each  instance.  All transactions  processed outside  
of the United  States  (which  may include internet  transactions)  will be charged  
a foreign transaction fee in the amount disclosed on your Truth-i n-Lending 
Statement (as amended from time to time), even if you are located in the United 
States. An international/foreign transaction is any  transac tion that you complete 
or a merchant completes on your card out of the United States.  
Termination; Change-i n-Terms. We may, by written notice, terminate this 
Agreement at any time, subject to applicable law. You may terminate this 
Agreement by written notice. Termination by either party shall not affect your 
obligation to repay any balance on your account resulting from use of the 
Card as well as Interest Charges and fees incurred. We may change the 
terms  of this Agreement, including the method of calculating the periodic rate, at 
any time, by written notice, subject to applicable law. Use of the Card 
constitutes agreement and acceptance of any change in terms , unless 
applicable law requires otherwis e. Our failure to exercise any of our rights or 
to take any action shall not constitute a waiver of those rights, or an 
amendment o r change i n any of the t erms  of this A greement. L
ate or Partial Payments. Any payment that delays the reduction of your balance will increase your total interest costs. Partial payments or prepayments will not delay your next scheduled payment - you will still need to make the minimum scheduled payment by the next scheduled due date to keep your account current. We may accept late payments, partial payments, checks or money orders marked "payment in full" and such action shall not constitute final settlement of your account or a waiver or forgiveness of any amounts owing under this Agreement. Enforcement. We do not lose our rights under this or any related agreement if we delay enforcing them. If any provision of this or any related agreement is determined to be unenforceable or invalid, all other provisions remain in full force and effect. Returns and Adjustments. Merchants and others who honor the Card may give credit for returns or adjustments, and they will do so by submitting a credit slip which will be posted to your account. If your credits and payments exceed what you owe us, the amount will be applied against future purchases and cash advances. If the credit balance amount is $1 or more, it will be refunded upon your written or verbal request. Plan Merchant D
isputes. We are not responsible for the refusal of any plan merchant or financial institution to honor your Card. Also, we are not responsible for goods or services that you purchase with the Card unless: (a) your purchase was made in response to an advertisement we sent or participated in sending you; or (b) your purchase cost more than $50 and was made from a plan merchant in your state or within 100 miles of your home; and only if you have made a good faith attempt, but have been unable to obtain satisfaction from the plan merchant. You must resolve all other disputes directly with the plan merchant. We do not warrant any merchandise or services purchased by you with the Card. Statements and Notices. Statements and notices will be mailed to you at the most recent postal address or e-mail address (if you have elected to receive such documents via electronic means) you have given us. Notice sent to any one of you will be considered notice to all. Notification of Address Change. You will notify us promptly if you change your address for any reason. In order to prevent identity theft, your identity may need to be verified before we act upon the notification. Copy Received. Yo
u acknowledge that you have received a copy of this Agreement. Governing Law. This Agreement shall be construed under federal law and state law in the state in which we are primarily located, and the venue shall be located in the county and state in which we are primarily located. Operating regulations of Visa may also apply. This Agreement is the contract that applies to all transactions even though the sales, cash advance, convenience check, credit or other slips you sign or receive may contain different terms. 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.  3/2021  Page  3 of 3 YOUR BILLING RIGHTS - KEEP THIS NOTICE 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(es) listed on your statement. In your letter, give us the following information: 1.Your name and account number.2. The dollar amount of the suspected error.3.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. 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 r eceive 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 m
ust 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 the address(es) 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.