Visa Classic Secured Credit Card  
Account Disclosures 

17151 Chesterfield Airport Rd. 
Chesterfield, MO 63005 
PH: 636-728-3330 
TF: 800-905-7585 
firstcommunity.com 

Annual Percentage Rate (APR) 
for Purchases, Balance  
Transfers and Cash Advances 

How to Avoid Paying Interest  
on Purchases 

INTEREST RATES AND INTEREST CHARGES 

9.90% 

Your due date is at least 25 days after the close of each billing cycle. We will not 
charge any interest on the portion of the purchases balance that you pay by the 
due date each month. 

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 

To learn more about factors to consider when applying for or using a credit card, 
visit the website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore.  

Annual Fee 

Transaction Fees 

FEES 

None 

  Foreign Transaction Fee 

1% of the US dollar amount of the foreign transaction 

Penalty Fees 

  Late Payment Fee 

  Returned Payment Fee 

Up to $10.00  
Up to $10.00 

How We Will Calculate Your Balance:  We use a method called “average daily balance” (including new purchases).  

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your 
Credit Card Account Agreement 

Periodic Rate:  The periodic rate that corresponds to the APR shown above is: 0.0271%.   

These  Account  Disclosures  for  your  Credit  Card  are  part  of  and  integrated  with  your  Credit  Card  Agreement  with  First  Community  
Credit Union. We reserve the right to amend the Credit Card Agreement as permitted by law.   

© 2017 Farleigh Wada Witt. All rights reserved. 

CC Acct • 12-21-17 • 1 

 
 
 
 
 
 
 
 
 
Credit Card  
Account Agreement 

17151 Chesterfield Airport Rd. 
Chesterfield, MO 63005 
PH: 636-728-3330 
TF: 800-905-7585 
firstcommunity.com 

You grant us a security interest in all your shares and depos-
its, present and future, and all accounts (except Individual Re-
tirement Accounts and Keogh Accounts) with the Credit Union 
to  secure  your  Account  and  agree,  upon  default,  the  Credit 
Union  may  apply  all  that  is  secured  to  pay  any  amounts  due 
under this Agreement, without further notice to you. 

This  Credit  Card  Account  Agreement  ("Agreement")  and  the  Ac-
count  Disclosures  ("Account Disclosure") given  to  you  when  you 
opened  your  Card  account  ("Account")  will  govern  your  Credit 
Card  and  Account  issued  by  First  Community  Credit  Union 
("Credit  Union").  In  this  Agreement,  the  words  "you,"  "your," 
"yours,"  "applicant,"  and  "Borrower"  mean  any  person  who  signs 
the application for this Account, any joint obligor, guarantor, author-
ized  user,  or  the  person  whose  name  is  embossed  on  the  Card. 
The  words  "we,"  "us,"  "our,"  and  "Credit  Union"  mean  First  Com-
munity  Credit  Union.  The  word  "Card"  means  any  one  or  more 
credit cards issued under this Account. If you sign an application 
for this Account or sign or use any Card or PIN, or allow oth-
ers  to  use  the  Card  or  PIN,  you  and  they  will  have  accepted 
this Agreement just as if you and they signed it, and you and 
they,  jointly  and  severally,  will  be  bound  by  the  following 
terms and conditions which will govern this Account. 

1.   You Promise to Pay 
You  promise  to  pay  us  all  amounts,  plus  any  Interest  Charges, 
which  arise  from  use  of  the  Card  or  Account  by  you  or  any  other 
person, and to be jointly and severally liable with such a person, un-
less  such  other  person  does  not  have  actual,  implied,  or  apparent 
authority for such use, and you received no benefit from the use.  

2.   Account Access 
a.  Purchases, Cash Advances, and Balance Transfers  
You  must  sign  and  activate  the  Card  to  use  it.  Once  you  have 
signed the Card, you can use it to buy or lease goods, services, 
or insurance wherever the Card is honored, up to the full amount 
of  your  Credit  Line.  You  may  use  your  Account  to  get  cash  ad-
vances  from  us.  You  may  also  use  your  Card  to  get  a  cash  ad-
vance  from  participating  financial  institutions  and  to  access  your 
line of credit at automatic teller machines ("ATMs") within partici-
pating networks ATMs. 
b.  Convenience Checks  
If  we  approve,  you  may  obtain  advances  under  your  Account  by 
writing preprinted convenience loan checks that we supply to you. 
Your use of loan checks will be shown as a cash advance on your 
monthly  statement.  We  may  not  honor  your  loan  check  if:  your 
check  is  post-dated;  payment  of  the  check  would  exceed  your 
Credit Line; a check is signed by person without authorized access; 
the amount of the check is less than the minimum required amount; 
your  Account  has  been  terminated  or  suspended,  or  any  drafts 
have been reported lost or stolen. You may stop payment on a loan 
check  if  you  provide  us  with  the  exact  information  describing  the 
check. If you give us incorrect information, we will not be responsi-
ble  for  failing  to  stop  payment.  You  understand  there  may  be  a 
charge  for  each  stop  payment  order  requested.  Our  liability  for  a 
wrongful dishonor is limited to your actual charges; however, a dis-
honor for the reasons stated above is not a wrongful dishonor. Only 
the  person  whose  name  is  printed  on  a  convenience  check  may 
sign it. All convenience checks must be written in U.S. dollars. We 
will  not  certify  a  convenience  check.  You  may  write  these  checks 

for  any  amount  providing  your  total  outstanding  balance  does  not 
exceed your available Credit Line and your credit card remains in 
good  standing.  We  are  entitled  to  return  it  unpaid  if  there  is  not 
enough available credit on your Account to pay it, if you are in de-
fault  under  this  Agreement,  if  your  card  or  convenience  checks 
have  been  reported  lost  or  stolen,  or  if  the  convenience  check  is 
post-dated. A convenience check may not be used to make a pay-
ment  on  your  credit  card  account  or  any  other  loan  account  you 
have  with us. The Credit Union shall have no liability for  any con-
venience check returned in excess of your Credit Line. 

3.   Credit Line 
If  we  approve  your  application,  this  Agreement  will  constitute  a 
revolving line of credit for an amount which will be the Credit Line 
under  your  Account.  We  will  advise  you  of  the  amount  of  your 
Credit  Line.  That  amount  will  be  the  maximum  amount  you  may 
have  outstanding  at  any  one  time.  You  agree  not  to  attempt  to 
obtain more credit than the amount of your Credit Line. However, 
if you temporarily exceed your Credit Line, you agree to repay the 
excess immediately, even if we have not yet billed you. Obtaining 
such credit does not increase your Credit Line. We retain the right 
to  increase  or  decrease  your  Credit  Line  at  any  time.  Any  in-
crease  or  reduction  in  the  amount  of  your  Credit  Line  will  be 
shown on your monthly statement or by separate notice together 
with  any  changes  in the applicable  Minimum  Monthly  Payments. 
Your eligibility for this Credit Line is determined by our loan policy 
and may be terminated at our sole discretion,  without demand or 
notice. You may close your Credit Line at any time by notifying us 
in writing and returning all Cards cut in half. If you terminate this 
Agreement  or  if  we  terminate  or  suspend  your  credit  privileges, 
the provisions of this Agreement and your liability hereunder shall 
otherwise remain in full force and effect until you have paid us all 
sums due us under this Agreement and returned all Cards. 

4.   Minimum Monthly Payment 
We  will  mail  you  a  statement  every  month  if  your  Account  has  a 
balance. You agree that you will pay each month not less than the 
minimum monthly payment on or before the closing date. The min-
imum monthly payment will be the greater of $10 or 2.0% of your 
outstanding balance shown on your statement ("New Balance"). If 
your  outstanding  balance  is  less  than  $10,  you  agree  to  pay  the 
balance  in  full.  In  addition  to  the  minimum  monthly  payment,  you 
agree  to  pay  any  "Overlimit  Amount"  and  any  amount  past  due 
shown  on  your  statement  each  month  by  the  due  date  shown  on 
your  Statement.  You  may  pay  in  full  for  all  your  purchases  and 
cash  advances  each  month,  or  you  may  repay  in  monthly  install-
ments.  We  can  accept  late  payments  or  partial  payments,  or 
checks,  drafts,  or  money  orders  marked  "payment  in  full"  without 
prejudice to our rights under this Agreement, which are hereby ex-
plicitly  reserved.  A  credit  posting  from  a  merchant  or  reversal  of 
fees does not constitute a minimum payment. The minimum month-
ly payment may be allocated at the Credit Union's discretion to pay 
off  lower  rate  balances,  such  as  promotional  offers,  before  higher 
rate balances, such as cash advances or purchases. Payments in 
excess  of  the  minimum  monthly  payment  will  be  allocated  first  to 
higher rate balances, as applicable. From time to time, we may al-
low you to skip your minimum monthly payment due. If you choose 
to  skip  that  payment,  Interest  Charges  will  continue  to  accrue  in 
accordance with this Agreement. Payments received at any of our 
branch  locations  or  at:  P.O.  Box  10451,  Des  Moines,  IA  50306-

© 2017 Farleigh Wada Witt. All rights reserved. 

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First Community Credit Union  Credit Card Account Agreement 

0451, on or before 5:00 PM Central Time on any business day will 
be credited to your Account as of that date; payments received af-
ter 5:00 PM Central Time or on a weekend  will be posted to your 
Account as of the next business day. 

 Security Interest 

5. 
By signing your application, to secure your Account, you grant us 
a  purchase  money  security  interest  under  the  Missouri  Uniform 
Commercial  Code  in  any  goods  you  purchase  through  your  Ac-
count. If you default, we will have the right to recover any of these 
goods  that  have  not  been  paid  for  through  application  of  your 
payments in  the  manner  described  in  Section 4.  In addition,  you 
grant  us  a  security  interest  in  all  your  shares  and  deposits,  pre-
sent  and  future,  and  all  accounts  (except  Individual  Retirement 
Accounts  and  Keogh  Accounts)  with  the  Credit  Union  to  secure 
your Account and agree, upon default, the Credit Union may ap-
ply all that is secured to pay any amounts due under this Agree-
ment, without further notice to you. You further agree that collat-
eral securing other loans with the Credit  Union (except loans 
secured by real property) also secures this Account. 

6.   Periodic Statements 
Each month, if your outstanding balance exceeds $1, we will send 
you  a  statement  showing  new  purchases,  cash  advances,  pay-
ments, and credits made to your Account during the billing period, 
your  Previous  Balance,  your  "Total  New  Balance,"  any  Interest 
Charge, and any other charges. Your statement also will identify 
the  remaining  Credit  Line  available  and  the  Minimum  Monthly 
Payment  you must  make  for  that  billing  period  and  the date  it  is 
due. For statement verification purposes, you agree to retain cop-
ies  of  transaction  slips  resulting  from  each  purchase,  each  ad-
vance,  and  other  transaction on  your  Account.  Unless  you notify 
us of a billing error as described below, you accept your monthly 
statement as an accurate statement of your Account with us. 

7.   Circumstances Under Which an Interest Charge 

8.  Method Used to Determine the Balance on 

Which the Interest Charge May Be Computed 
and Amount of Interest Charge   

The Credit Union figures the Interest Charge on your Account by 
multiplying  the  "Average  Daily  Balance"  of  purchases,  balance 
transfers, and cash advances for your Account (including current 
transactions)  by  the  Daily  Periodic  Rate  and  multiplying  that 
amount by the number of days in the billing cycle. To get the "Av-
erage Daily Balance" we take the beginning balance of your Ac-
count each day, add any new purchases or cash advances, and 
subtract any payments or credits, unpaid Interest Charge and un-
paid late charges. This gives us the daily balance. Then, we add 
up all the daily balances for the billing period and divide the total 
by the number of days in the billing period. This gives us the "Av-
erage Daily Balance."  To get the "Daily Periodic Rate," we divide 
the Annual Percentage Rate in effect for the billing period by 365. 

9.  Periodic Rate and Corresponding Annual 

Percentage Rate 

a.  Standard Rates 
The Periodic Rate and corresponding Annual Percentage Rate(s) 
used to compute the Interest Charge are set forth in the Account 
Disclosure  that  accompanies,  and  is  a  part  of,  this  Agreement. 
The Annual Percentage Rate is divided by 365 to obtain the Daily 
Periodic Rate. 
b.  Introductory or Promotional Rates 
At our discretion, we may offer you an introductory or promotional 
Annual  Percentage  Rate  for  your  Account.  Any  introductory  or 
promotional Annual Percentage Rate will be subject to the terms 
of  the  offer  and  this  Agreement.  We  will  provide  you  with  infor-
mation  on  the  offer,  including  the  time  period  the  introductory  or 
promotional  Annual  Percentage  Rate  is  in  effect  in  the  Account 
Disclosure or in other materials that we send to you about the of-
fer after you receive your Credit Card. 

Will Be Imposed   

10. Conditions under Which Other Charges May  

The  total  outstanding  balance  of  purchases,  balance  transfers, 
and cash advances in the Account on the closing date of a billing 
period, including any Interest Charge, will be shown on the Peri-
odic Statement for that billing period as the "New Balance." 
a.  Cash Advances and Balance Transfers 
We  begin  charging  an  Interest  Charge  on  cash  advances  and 
balance transfers  from  the  date  of  each  transaction.  There is  no 
time period within which to pay to avoid a periodic Interest Charge 
on cash advances or balance transfers. 
b.  Purchases 
Your due date is at least 25 days after the close of each billing pe-
riod. An Interest Charge will be imposed on the portion of purchas-
es  included  in  the  New  Balance  that  is  not  paid  by  the  due  date. 
Interest Charges will not be imposed on purchases posted during a 
billing  cycle  if  your  balance  was  zero  (or  a  credit  balance)  at  the 
end of the previous billing cycle, or if you paid the entire “New Bal-
ance” shown on your last periodic statement by its due date. This 
"grace period" allows you to avoid an Interest Charge on purchases 
for a billing period. However, if you do not pay the New Balance for 
purchases within the grace period, your Interest Charge will accrue 
on any unpaid purchase transactions from the first day of the billing 
period in which the payment is due and on new purchase transac-
tions from the date of the transaction. 

Be Imposed 

You agree to pay the following fees and charges on your Account. 
All fees and charges will be added to your purchase balance and 
will accrue interest charges at the same rate that applies to your 
purchase balance. 
a.  Balance Transfer Fee 
We do not charge a fee for a balance transfer. 
b.  Late Fee 
If  any  payment  is  not  made  on  or  before  14  days  after  its  due 
date, you will pay a late fee. If your minimum payment is $25.00 
or  less,  the  fee  will  equal  5.0%  of  the  payment  amount.  If  your 
minimum  payment  is  more  than  $25.00,  the  fee  will  equal  the 
lesser of $10 or 5.00% of the payment amount. 
c.  Returned Item Fee 
If any check, draft, or electronic payment we receive from you as 
payment for any amount you owe to us is returned to us unpaid, 
you agree to pay a returned item fee of $10 (or the amount of the 
payment, whichever is less). 
d.  Rush Fee 
If  you  ask  and  we  agree  to  deliver  your  card  by  an  expedited 
method, you will pay a fee of $20. 
e.  International Transaction Fee 
You  will  be  charged  an  International  Transaction  Fee of 1.0%  of 
the  transaction  amount  (in  U.S.  dollars)  for  any  card  transaction 
made in a foreign country in U.S. dollars. 

© 2017 Farleigh Wada Witt. All rights reserved. 

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First Community Credit Union  Credit Card Account Agreement 

f.  Copy Fee 
You  will  pay  $2.50  for  each  copy  of  a  statement  or  other  docu-
ment. 
g.  Attorney's Fees and Costs 
If you default on any part of this Agreement, you agree to pay us 
all  costs  to  collect  your  Account,  including  court  costs  and  rea-
sonable attorney fees whether or not  there is a lawsuit, and fees 
on any appeal and fees for bankruptcy proceedings, appeals, and 
any  post-judgment  collection  services,  if  applicable.  These  fees 
and  costs  may  be  added  to  your  Account  balance  and  will  bear 
interest at the Annual Percentage Rate in effect at that time. 

11. Conditions of Card Use 
The  use  of  your  Card  and  Account  are  subject  to  the  following 
conditions: 
a.  Use  
Your Card and Account may be used only for valid and lawful pur-
poses. You may not use your Card (i) to make Purchases or obtain 
Cash Advances for any illegal transaction, or (ii) for any internet or 
online gambling transactions. If you use your Card for any illegal or 
prohibited transaction, this Agreement also applies to such transac-
tion  and  you  agree  to  pay  any  and  all  amounts  related  to  such 
transaction  pursuant  to  the  terms  of  this  Agreement.  We  may,  at 
our sole discretion and without warning, restrict the use of or termi-
nate  your  Card  if  we  notice  excessive  use  of  your  Card  or  other 
suspicious activities or if we reasonably believe the Card is or has 
been used for one or more illegal or prohibited transactions. 
b.  Ownership of Cards 
Any Card or other credit instrument or device which we supply to 
you is our property and must be returned to us, or to any person 
whom we authorize to act as our agent, or to any person who is 
authorized  to  honor  the  Card,  immediately  according  to  instruc-
tions. The Card may be repossessed at any time in our sole dis-
cretion without demand or notice. You cannot transfer your Card 
or Account to another person. 
c.  Honoring the Card  
We may decline to honor any transaction for any reason. Neither 
we nor merchants authorized to honor the Card will be responsi-
ble for the failure or refusal to honor the Card or any other credit 
instrument  or  device  we  supply  to  you.  If  a  merchant  agrees  to 
give you a refund or adjustment, you agree to accept a credit to 
your Account in lieu of a cash refund. 
d.  Currency Conversion/International Transaction Fee 
1)  Visa.  Purchases  and  cash  advances  made  in  foreign  curren-
cies  will  be  debited  from  your  account  in  U.S.  dollars.  The  ex-
change rate between the transaction currency and the billing cur-
rency  used  for  processing  international  transactions  is  a  rate 
selected by Visa from a range of rates available in wholesale cur-
rency  markets  for  the  applicable  central  processing  date,  which 
rate  may  vary  from  the  rate  Visa  itself  receives  or  the  govern-
ment-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. 

A fee (FINANCE CHARGE), calculated in U.S. dollars, will be im-
posed  on  all  foreign  transactions,  including  purchases,  cash  ad-
vances  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. mili-
tary  bases,  U.S.  territories,  U.S.  embassies  or  U.S.  consulates. 
The  Foreign  Transaction  Fee  is  set  forth  on  the  Disclosure  ac-
companying this Agreement. 

2)  MasterCard.  Purchases  and  cash  advances  made  in  foreign 
currencies will be debited from your account in U.S. dollars. The 
exchange  rate  used  to  convert  foreign  currency  transactions  to 
U.S. dollars is either a government-mandated exchange rate or a 
wholesale exchange rate and is selected by MasterCard. The rate 
MasterCard  uses  for  a  particular  transaction  is  the  rate  Master-
Card  selects  for  the  applicable  currency  on  the  day  the  transac-
tion is processed. This rate may differ from the rate applicable on 
the date the transaction occurred or was posted to your account. 

A  fee  (FINANCE  CHARGE)  will  be  charged  on  all  transactions 
completed  outside  of  the  United  States,  where  the  cardholder's 
country  code  differs  from  the  merchant's  country  code.  A  fee 
(FINANCE CHARGE) will be charged on all transactions completed 
in a foreign currency. All fees are calculated based on the transac-
tion  amount  after  it  is  converted  to  U.S.  dollars.  These  fees  are 
charged  except  w  here  excluded.  The  Foreign  Transaction  Fee  is 
set forth on the Disclosure accompanying this Agreement. 
e.  Notices and Payments  
All  notices  will  be sent  to  your  address  as shown  in  the  applica-
tion. You agree to advise us promptly in writing if you change your 
mailing address. All payments should be mailed to us at the remit-
tance address shown on your monthly statements. Payments re-
ceived at that address will be credited to your Account as of the 
date received. Written notices and inquiries to us must be sent to: 

First Community Credit Union  
P.O. Box 10451 
Des Moines, IA 50306-0451 

f.  Personal Identification Number 
If  we  issue  you  a  Personal  Identification  Number  ("PIN")  for  use 
with  your  Card  in  accessing  your  line  of  credit  at  ATMs,  these 
numbers  are  issued  to  you  for  your  security  purposes.  These 
numbers are confidential and should not be disclosed to third par-
ties. You are responsible for safekeeping your PIN. You agree not 
to  disclose  or  otherwise  make  available  your  PIN  to  anyone  not 
authorized  to  sign  on  your  Account.  To  keep  your  Account  se-
cure, please do not write your PIN on your Card or keep it in the 
same place as your Card. 

12. Default 
You will be in default under this Agreement if any of the following 
occur: (a) Any Minimum Monthly Payment is not made when due; 
(b)  You  become  insolvent,  bankrupt,  or  you  die;  (c)  You  violate 
any part of this Agreement, or any other agreement with us; or (d) 
If  we  reasonably  deem  ourselves  insecure  with  respect  to  your 
Account. Upon default, we may declare the entire unpaid balance 
immediately due and payable, and you agree to pay that amount 
plus  any  attorney's  fees  and  costs  as  set  forth  in  Section  10 
above, including fees and costs in any appeal or bankruptcy pro-
ceeding. We can delay enforcing any right under this Agreement 
without  losing  that  right  or  any  other  right.  We  will  notify  you  in 
writing of any such action as soon as practical if it occurs. 

13. Governing Law 
This Agreement will not take effect until it is approved by us. This 
Agreement shall be governed by the laws of the State of Missouri. 

14. Severability 
If  any  provision  of  this  Agreement  is  held  invalid,  the  remaining 
provisions that are severable shall remain in effect. 

15. Loss or Theft of Card 
You agree to notify us immediately of the loss, or the theft, or the 
use  without  your  permission,  of  any  Card  or  other  credit  instru-
ment or device which we supply to you. You may be liable for the 

© 2017 Farleigh Wada Witt. All rights reserved. 

CC Acct • 12-21-17 • 4 

 
First Community Credit Union  Credit Card Account Agreement 

unauthorized use of your card. You will not be liable for unauthor-
ized  use  which  occurs  after  you  notify:    First  Community  Credit 
Union, P.O. Box 1030, Chesterfield, MO 63006-1030, Telephone: 
(800)  610-0791  (available  seven  (7)  days  a  week,  24  hours  a 
day),  orally  or  in  writing  of  loss,  theft,  or  possible  unauthorized 
use. In any case, your liability shall not exceed $50. 

16. Credit Information/Financial Statements 
You authorize us to release information to others (e.g., credit bu-
reaus,  merchants,  and  other  financial  institutions)  regarding  the 
status and history of your Credit Line. You agree to provide us, at 
any  time  we  deem  necessary,  with  a  current  financial  statement 
and/or updated credit information upon request. We may investi-
gate your credit directly or through a credit reporting agency. 

17. Account Updater Service 
Visa Account Updater (VAU) and the MasterCard Automatic Billing 
Updater (ABU) services are an account updating service, in which 
your  Card  is  automatically  enrolled.  When  your  Card(s)  expire  or 
are lost or stolen and new cards are issued, the VAU/BAU services 
may update relevant card data (card numbers and expiration dates) 
to  participating  merchants.  If  you  have  authorized  a  participating 
merchant  to  bill  your  Card  for  recurring  payments,  the  merchant 
may  access  the  Visa/MasterCard  database  to  seek  your  account 
information. The service is provided as a benefit in order to facilitate 
uninterrupted processing of recurring charges you have authorized. 
Card numbers and expiration dates are only supplied to merchants 
who participate in the VAU/ABU service. Because not all merchants 
participate  in  the  VAU/ABU  service,  you  should  still  notify  each 
merchant  when  your  Card  number  changes  in  order  to  permit  re-
curring payments to continue to be charged to your account.  You 
may opt out of the VAU/ABU service at any time by contacting us 
anytime we are open for business by calling 636-728-3360. 

18. Amendments 
We  reserve  the  right  to  change  any  terms  or  conditions  of  this 
Agreement at any time, to the extent permitted by applicable law. 
We  will  notify  you  of  the  changes  to  this  Agreement  as  required 
by law. 

19. Billing Errors Notice, Your Credit Card  

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:  First Commu-
nity  Credit  Union,  P.O.  Box  10451,  Des  Moines,  IA  50306-0451. 
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  al-
ready 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  Pur-
chases. 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 pur-
chase price must have been more than $50. (Note: Neither of 
these are necessary if your purchase was based on an adver-
tisement 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.  Pur-
chases  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 above address. While we 
investigate,  the  same  rules  apply  to  the  disputed  amount  as  dis-
cussed 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. 

20. Acknowledgment 
You  understand  and  agree  to  the  terms  and  conditions  in  this 
Agreement and the Fair Credit Billing Notice. You acknowledge that 
you  have  received  a  copy  of  this  Agreement,  the  Account  Disclo-
sure,  and  the  Fair  Credit  Billing  Notice.  This  Agreement  is  a  final 
expression of the agreement between you and the Credit Union.  

© 2017 Farleigh Wada Witt. All rights reserved. 

CC Acct • 12-21-17 • 5