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Credit Card 

Agreement and 


Disclosure 


FEATURING 

Preferred Platinum VISA 


Platinum Points VISA 


Signature VISA 


Platinum VISA 


P URl\ A 

Credl•  OntOI!-

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THI$ 1$  YOUR  CIWOIT CARO AC~IDt(ltl Aj,iO OI$C\0$1JRE 
COf'ITAINI~IG  NE«  S.SARY  FEDERAl  TRU TKoiNoi..ENOIIIG 
OISCLOSIJRE STATEMENf$, AND ANY SI'E¢11\I.INS'nWCT!OI(S 
RtGAAOING  f H!  U$E OF YOUR  CRilOIT CARD.  1'\..Ei\SE  BE 
stJRE TO READ llliSAGREEr.IENT CAAERA.I.Y AIC) NonfY U$ 
Af ()H(:( . . .NV'PART$ AltE UNCUAft 

h  II•~ "-JI'Illln-..nl,  tlt lefo•11roo » .,1o: "\k/ "'il"' 11M 'Cil:lttt 

t.klott"  ~n $10  ANHGUS€11 •"-...SCH  EMPLOYEES'  CREDIT 
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P~Nh.im Ponls VISA. ~ Y\SA,  or Pl!fJn~.n> \liSA  Odl 
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tSS.UA.'ICE OF PER.SoetAI..IOENTFICATJON NOto,BER. W.Wll 
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l fiO mlr!h'IUI!I FINAI4C0  CHARGE ti.U YC).I v.\1 \I$ ~~W Jnrt 
in $!1)'ti1)\Q C).;:llathllt II Anrut Chli';Jf  0$ @l$$0.50, 

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ul lho tllln:l eycic Inl.he monllltiiM imme>cliiiO., lolla-l .t C!'la~ 
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o.:oMe l"" lne<l!lw.'O Ol -.ott-lrl~f:i'lcnoo~ andw:n 
IIHati ii!O numlu!tol Your 10111'-'1 ~lod pa~o~~N.$. f"tlr 1111 
Otllt!rncllll Yu~r  lf~tM R<di w!l Nl<llf i)O (YIIIIler Ilion 2!1.~. 

MINM.IAII  MOI4 1'M.Y PAVl'.tEIO'.  ~Yeo< toetld only Pn r., 
Mnln..n l.io.~r ,.tl)w.cnls., 'Jou undors-Nd 111M You N!\111  'ht 
·~1»($port 01 mr.t.» 1»(1111'~mwq.., an;Uti'$  •In>.~~ fW\lll!y 
You •ll onlybo d:OI!.iO<I ~R . _ (hM9i"'IJO11\ocl!te Yet.• 
of!ll'11 b:llanett. A,rft:r.rtllil p~lll orprap;rjm(f(t ..a 
l'QPII')' v -
""<kfll)' Yu~r : l'l'O!I  ~ti<UIId ~i'"'""*· A'llllf1lllt!llh 1oOS must 
bet n lollllll.t ......:ney ol tho ltlllc:l Still!"- N  ponnt1rld !))' \lww, W11 
m!tl or.ply  PIIYflll(lrOjll  in 11n  ONir ct Ou1  d •OOII-9- /Vy  tmp:ie 
poo11011 ot f'lo fl~oo 01 ~ ~wtJ uo 1111d by~· 
l)iiy!'l'I(W'I!i$ ,You U"COiflllllncl m01inJ c»tll)' h  Ill$r~<11 YOIIf 
Ullflld bllbl!ue ...,;l lneti!II'IO  il'o 011101rt Yw ..,I f:tl'l In AnaiiCe 
~ 1111d  l'lltf  ae<Millllllt~ h  tllr.  n:dii:'Stln u  Ywr ~np;ad 
tlm:'U(YOIJ •II pty in F>i•t~nce Ch~~ 
trelloiiCI! w • dt:ltl't'l!ltlll h 

r-~ o'l ~ (lll((>tfl(  S~ut VI$AJ,  V(M Y~r.-., ~J, 
~IC •till<! a~ol 'v~~ :et lilo <r.d d  old! tttng 
Cy(fil l)\.1$ OIIIV. . .O,.V:ft CI\U'gid;,lltl)l P$(1: IIIIi r.tll'im,m~ 
fiiiJ'IIIIIlU lUld""'" omoo,.-nt t'Ot~ Vow<>tod! Ur.r. !ill~10 
11\o -.w ol$2$.00« Y~lll'br:fl.neo. 

ForSlg:,;UII/'11 'liSA, YOIII t.t!II'Nm Al-0111111)' Pll)mllllt v.ll bet.~ 
o( Your  bslto!lOIJ  .t1  lhll  end  cl ..,h t;i •n!l  I;)'VI(!  ~~~' o1r. 
llf!Pkwlblo ( l!;lfljiiS.. ll!l'f j)<\ll!0.. l.lrtinu'!l f.IQ111'1y Pa,'IIIOIII$ lind 
llflr llll~ eN~. II~ Y«.t CMSI U'nll, $~(1(1.10 Ill$ 111M' 01 
Uti.OOocY~llft~. 

lArt (:HAA.GE$, lf YOf#l l}tl)nl:!!l! i51\o..,(JI mo"' da'I'Sfele. 'IO'J 
•II to~ IJ'lCI ~ d  ; 00 t!i.OO;  t;r \b) tilt  im)lln! CllhO 
mHmUT'I ~)'t1ltl!( dUll· 

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Oni.E R F£E8 AND CHARGES, Yov \\;t toed!fJ~1M  IQI{fMIIII 
''" lllld ct..,.'9t'S111!:1$00 to!lld \Iiiii Yv.1 Aooou:'t!: (a) fo• 111 Qsr6s 
(&>:~ S\7!a!U"' VISA,I, 11  t;Mh ~11rie$ !9Q FINANCE CHARGE 
o!1:!.0!1 tr..fMd'l e~i;ll 01 q~I<W::"I ~-octl:rn f:lll(t. $$(1&11:1 111111 
ATMi:~~'M"'~'II\flp.td'tll!iOofmontry~. 
~ «  tniiOI)' $Qcol~ ond Olhot  eM:Miot t'(tl'llllfJIOnst (tl) lot 
Sl~11t \'ISA, 8 <;.WI..,.il"'fC$ taa f iN.utCe  CHARGf eq\1$ lo 
....~ ol3.oo'JI> 011  o«ll OMII Of ~j..oltflltilnwctM IMh 
OG  1ellc( and AN~"' all•'ltiiOO:I, .,.,.rc 1!11t!lio!f. th\1  w~ :~1 
ti'ICollly  Of'def4.  bellf'Q  01  I(I,.,Y  !ldlll;l$.  .ln.!  Oll'lof  t.lf!lll•ll<lll 
t~:oellor<!l, M  $10,00; .tnct (ct tef all C~t~d,., e  h;Mtng ' "  ~ 

b  1~ -118111 ~ $2$00 Cf,... ftqui"'::d JT{~In.nl p.:~~yii'W!O't-l.lllt 
IQr  tho  tOiumCICI  Pll'lm~ ~~~~~  to1f'l  Chll'\1~ ~-W<I ~· 11n 
lnl.llll.GM tot pmr.ll$ffng .lrCIIII.I5C:d lnUMlllllll UJod tor ~y:r'lt'l'l tm 
YOU:~L 

I'ERIOOIC  S.TATENENT. On a  r'9l.- biUI$o  You wJI f~ II 
~:~~mem11nt  ~rv 0)1  1r~ \)(1  Yo...  M((Jyl\1 l !l(luelfl!l 
Amlllnep,lid$fldbeltO'..eclto)lol YO'AIOtol.~!ll. We ...... 1!1111 
You e. *le~ IIIIth b' ling C)'IAt i-1 al1ich t.'WO IIIII d(tiiOf(f'Odl! 
tGlaMo orwncn a Fl~~ 1$ lmll(ISCd. lYeMild 11Q11 e~~rtd 
YOU 8 1:1~11111 II \\'$1\~Ei Y011f  Aoc:o um iaU"'IOIIK!Ibb«II WfJ 
1:11 1~ ,-...vY.ICI  OO'kocllon ~!9l aw:oncr.  Y01.1  ~""' Vqu 
l!(lllit.ll$11. e.:llU>l!ll;ll*'(Ito d/wlt'lllf!lt) 1!{1 o oortOil1 ~mlrt ol 
~lor't lillie$$ You ll~bl="" II. tlliT'II 01101 pUt~ ll)11'4 f \lCI(I(l1! 
T~~ArL 

'i'O 
ouR  RE&POHSI BILriiES 
l-i6NM  ¢0WEif1Etl¢E 
CHfCI($. '111111(8 U'J)W «) Cl,li!JIIIOO 10 honot Yo.x C:>rM~ro~llO 
C:l!o:...s1!: i l I br po.~n; o Co!M!nieno!t<:hect. Yo11 ~~~ io•'CMd 
Yt:J.I Cf&dl Lln'il;  (t) Your CArd!!  or ~lolv.o C:llocil$ l'.l!•'O 
I!Cito.-. t~:IYJ'It!d b'l'lor ~:~111en; {':» V'wr .AoOOvm llll$ town O:..oollid 
Oll'ull O.Opfld.. II I  1»$111111C:d COn.oOiiolltll: ~Ill p:.d Ofld , II$ 
11  rowtl, •"'' qlhefC<Jy..,.;,,,ot Ctot(fl i$ foll11mlld u~. W>J ­
no1 ~ndb~ h:lf :eny to5llll.ng bl"­

fRAHSACliOfl  $ UP$. 'IOI.W  pO!Iocle t~~~rMml!nl wl idf, f(y • •  
~~•  .riKbO:'tfe  lllllllln.:J  «  lhllnda!  in$1!Mon  .;,:  \\f!leil 
llt1!!53tt~ wtorll m~. WI 8lifillll. ¢1811'1 11\lo.$f!OE\ ()~$,'({ t¥ ¢ 1fl$f 
~!i wll net  bo «ttumo~ W1h 11111 ~ You "'* ll!ll:lh tile 
copyof eulh11rp, 6or~ fll lh•limeotmo lflln$1l0lon In Oillor 
10 vortty v~ mcrtt.l)' $UilOI!lC!nt . 

CREOlT$, I ll e.eroll!rt• flo i>cnoll:l Vw• C.driVf14 You 01\td-10! 
lll;lll'M 41 llo$!~. N  ~~ wfl do $0 oy $«!dlrq U!i o 
4  wridi • il btl  p:.t~leci IU 'IIIUf MOO\Ifll,  t  Yo, (:1\)cjlla  1:11\0 
p.l'jmol:l£ <m:OIKI \\f'.;ll  You f7NfJ Ull, W0 v.i l  hold f t ~ t. .  
QWil....i•lll !~~~ion PJ~IIIIIt.,_, 1'-Mh $1doOOO$A, Or III Io $1 .00 
«  mo'O, "!lund i: 011 'lout V.fliiCIII  roqu11~ or «J:!!n'lllmdy<lepo.,.. 
It11> Yo.~ SI"N$ Aooour• $/tiHsr. mom~. 

DEFAULT.  Y~ 11(11  bO  In  dG(Qull  II!  ~ Yo;~ dO  n:t rna\));  1nf 
CI!YII'Il'nl <11  ~~~~ 611Y oblpt~lf)n ufl\:ll!f  tl!~ ~·t&~l.  Oil~"/ 
Olholl 119~~ thtr.VOII-.yhi:IYO v.llh ~;W (b) Y1$J!Ihol.lddr:, 
blloQPtill:l  ~ Ill  fhl  ill-*''lln(:'(.  ~lll'tofip ~ C\i¥Cd i.:ll 

p:OC.d i'q lli'OIIQI!I  t1y Ct ~~  Y«1;  Of (C. '1011  h:riO ~ $ 
1#'00 llf mO,Ie&iinJ ~mr.M In Vour mJdl: IIPfl~ $Tid.!ot In 
Yoot lol!lf~Orr~$ 10 u~ \\ttfo Y'011 ONe ni'TIO)' onYCilll Moo.;r.l, 
~ (II)  ~1111111  Of we  !Nn lt!culcl !lt  tied a~,a Vo.r  Of  on 
~Of gwoi!/'m~lll IJ!Wd bo  t.nul:fd 0-!IC'-1 fll)' of 'IOUI 
P:OP'I'If  or~ 1poo.:fto:.l~ tndu:tnp .nyene5Cinlng ;111 ~ 01 
p!XIIt:tlf'G »~1!JW ¢I 'l(lutl\lfiOSO'I~l wlh V$; otlll/01 
ft} '1111  Sh:tollcl. !n  900d la11!,  befiCI'I'O  Y<U  l!':tlly  ICI  !Op:l'l  Vow 
.,!j~!:$ ~nda.. It« 110Mv.CII to I~ tlmt bli•!!l of 
NYOJYO$~ 

I!Yw- lr'ldob.il, We cru,y, lo l"'et~~.-ni P')I!IIii'Jtwl t.yllfw, ~ 
Y'OI.II ('l(j't'A U"A<»' l!'ll~~~~. dl!dll!ll IIIII «lR ~.,_ ~11/ICII 
d  Yo.r  Al.:ea>.rt  mm'ldl81((y  CIJ(!  tnc.l  ~"<\tte liM r«J,,t11  ~ 
~1.1'!1 of :et  - ! i clinkell. II  mmednb po)'ll".r:nl ls dl:ml!llll.'!ee!, 
Yw ...,;1 CO!rin"' IO pl'lf i'llo119l!! 01111$ llj)pleol)it inl$1\'11,1 ~in 
fttodl.fldo1 'leu Aocwntl.rdlv.fll!l Voo- hMboenre.op~~ili 

COUCCliON (:()$T$, T'o IIIII el\W:f. POtml:llld by lew. YO'J ail 
~lm!r.!rM \J$  lOt  ALl  ol 0~1 OMill  lin$  IIJCPO!I'OIC,  ~(I 
AN~~•at~te ~•111)'8' !(Its incvrte~ ~ 1M OOUI$t  01  OOIIIIC'fr.fl 
lit!)' liii'IOIInl!i lltllld~ t1s A9~enl OTto ~ ,_ , . ol 
f1r!1 (;(lfti.I!Jt.t 

h  II$ Mfll 'IQolf Aoo'lu r11  ~ rll!lr'lld rcr <>11'olalon 10 M~ 
v.t'o is r..ol 0111 ollltmod ~ ...,;ll!lt ~ l:fWtllll. Yw ...u  ol!lo 
bo ~~~~d 10  p:lf a tklll'IO}'II" fiiOS me 10 ~ t s.oo~ ol  tho 
111!10\lfll~ w:d~e ~~~ lhiJ Atrtotnent, 1*  '""'""1h llNJ 
ooutl COG!$ anoli<UKI . 

Cfl£0 1f  INSURANCE. Crcdt lnsu!illlQO Is  liCit  teqJ.Jr:c.:l  1:w  II".V 
~ Of  ~8111.  ilfi(.I(Jr  lllit>  ~~~~~~ ~•(It, YQ~t l't4Y 
~~r: u.y cre<k in""!WV.le ~Jobleo~ Uo.vod ~ lllo 
j:f«<ll~.wi II~ Itt) tt .O OUI'.,IIMI'Ig bl:l\:ofl~. II YOII 011:101» do 11:1, 
'IO'J  • il ~ gYM  lflo  !~T)'  lliWO~ 311C  ~~~ 
so;oar:lr.!OI)'• .Afr)' CIOdl iMIITai'ICO llfOtllkn$ vM! De ct"~ 1:1 Your 
~- & P\11\to&IIO 

ENf ORC:ENENT, Wt c10 1\}1  IC&} Quf 1\1''11  Un:l(lt 11'4  «  lilly 
~~b:l ~lt'OI!1r:n! ~w, ~oy eltiO!dngl¥.m, We con ~ hoto 
pll)'llll~ll, jlOt!l:i p;.~, «Ill)' ~lllctr PQ~, Win t  tl'loy 
311! mt~~ocl"poclln /Ur '""oo! 1oEPn11 &!f)' <II CM ~~ ~~~ r'it~ 
Aqlll)'foQI"L  11 any  ~1hlon o1  tjs 01 any ~lid lllJlOiitl'll:'ff !11 
lle"'mi'tocl  10  bo  r.w'le'ri¢n;o~o Of  i~cli, ~ 011:111 pn)•;•fllnil 
IC'fll:eh !~ lu i 11110e .;nd t!ICICt­

UHAUT'ttORIU  D  USE.  'lOll ~'I bo  Jtrtrle  lor die ~niiJiv,O!t'd 
llijo) 0 1 'I<)OM (;(nl,  V~ • II no! to l lltlo (Of 1110 o..1111111'10o1uod \lt.O 
lhll! <1m'S ~ YQU mtittu.s ooaJy alld ro v.rti.., 8\ll>eadd"rt'$11 
011 1~ono n.<rn!Mitfhlwl~ h  tilt; .bq'eotlllt!ll, of mo ms, be*. ex 
PO~I.:II! U'WJI!oori(ild  Ullll:t>  In  ' 'T'f ~.  Yw  h~~Y ..m not 

~&SG\.00. 

NOTtFICA1"KIN  OF  ADDRf~S CHANG!.  Yw  afl ~ U:: 
pr:Qf'llll'Y il' YOu mt:W11  Of O!h-*' fUWO II INIIQO 0 1 QO(tfoQO,