VISA GOLD
CREDIT CARD ACCOUNT OPENING DISCLOSURE

This Addendum is incorporated into and becomes part of your LOANLINER Consumer Credit Card Agreement.
Please keep this attached to your LOANLINER Consumer Credit Card Agreement.

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Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

8.90%

APR for Balance Transfers
APR for Cash Advances
Paying Interest

For Credit Card Tips from the Consumer
Financial Protection Bureau

8.90%
8.90%
Your due date is at least 25 days after the close of each billing cycle.
We w ill not charge you any interest on purchases if you pay your entire
balance by the due date each month. We w ill begin charging interest
on cash advances and balance transfers on the transaction date.
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.

None

Fees
Annual Fee
- Annual Fee
Transaction Fees
- Foreign Transaction Fee
Penalty Fees
- Late Payment Fee
- Returned Payment Fee
How We Will Calculate Your Balance. We use a method called " average daily balance (including new purchases)." See
your account Agreement for more details.
Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your
account Agreement.
OTHER DISCLOSURES
Late Payment Fee

1.00% of each transaction in U.S. dollars

Up to $10.00
Up to $10.00

Returned Payment Fee

Statement Copy Fee
Document Copy Fee
Rush Fee

5.00% of the required minimum payment, minimum fee of $1.00,
if you are 15 days late in making a payment. How ever, the fee
w ill not exceed $10.00.
$10.00 or the amount of the required minimum payment,
w hichever is less.
$2.50 per statement copy
$2.50 per copy
$20.00

Missouri Fee Notice. Credit Card fees are governed by Section 408.145 of the Missouri Revised Statutes.

Collection Costs. You agree to pay all costs of collecting the amount you ow e under this Agreement, including court
costs and reasonable attorney' s fees.
Periodic Rates.
The Purchase APR is 8.90% w hich is a daily periodic rate of 0.0244%.
The Balance Transfer APR is 8.90% w hich is a daily periodic rate of 0.0244%.
The Cash Advance APR is 8.90% w hich is a daily periodic rate of 0.0244%.

CUNA Mutual Group 2009, 10, 12 All Rights Reserved

DMOIN0 (MXC452 CCM002)

CONSUMER CREDIT CARD AGREEMENT

In this Agreement, " Agreement" means this Consumer Credit Card Agreement. " Disclosure" means the Credit
Card Account Opening Disclosure. The Account Opening Disclosure is incorporated into this Consumer Credit
the Agreement. In this Agreement the w ords " you," " your," and " yours" mean
Card Agreement and is part of
each and all of
those w ho agree to be bound by this Agreement; " card" means the Visa credit card and any
duplicates, renew als, or substitutions the Credit Union issues to you; " account" means your Visa credit card
line-of-credit account w ith the Credit Union; and " Credit Union" means the Credit Union w hose name appears on
this Agreement or anyone to w hom the Credit Union transfers this Agreement.

1. USING YOUR ACCOUNT - If you are approved for an account, the Credit Union w ill establish a line of credit
for you. You agree that your credit limit is the maximum amount (purchases, cash advances, finance charges, plus
" other charges" ) w hich you w ill have outstanding on your account at any time. Unless disclosed otherw ise, the
Credit Union w ill not allow advances over the credit limit. If the Credit Union has a program w hereby it allow s
payment of advances that exceed your credit limit, subject to a fee, the Credit Union w ill provide you w ith notice,
either orally, in w riting, or electronically (notw ithstanding the requirements of the paragraph entitled " Statements
and Notices" ) explaining your right to opt in to the Credit Union' s program w hereby it w ill honor advance requests
over the credit limit. In the event you opt in to such a program, you agree to the terms of such a program. You
may request an increase in your credit limit only by a method acceptable to the Credit Union. The Credit Union
may increase or decrease your credit limit, refuse to make an advance and/or terminate your account at any time
for any reason not prohibited by law . If you are permitted to obtain cash advances on your account, w e may,
from time to time, issue statement checks to you that may be draw n on your account. Statement checks may not
be used to make a payment on your account balance. If you use a statement check, it w ill be posted to your
account as a cash advance. We reserve the right to refuse to pay a statement check draw n on your account for
any reason and such refusal shall not constitute w rongful dishonor.

if permitted, or in w riting. Your request must be made w ith sufficient

You may request that w e stop the payment of a statement check draw n on your account. You agree to pay any
fee imposed to stop a payment on a statement check issued on your account. You may make a stop payment
request orally,
the
presentment of the check for payment to give us a reasonable opportunity to act on your request. In addition,
your request must accurately describe the check including the exact account number,
the payee, any check
number that may be applicable, and the exact amount of the check. If permitted, you may make a stop payment
request orally but such a request w ill expire after 14 days unless you confirm your request in w riting w ithin that
time. Written stop payment orders are effective only for six (6) months and may be renew ed for additional six
month periods by requesting in w riting that the stop payment order be renew ed. We are not required to notify you
w hen a stop payment order expires. If w e re-credit your account after paying a check or draft over a valid and
timely stop payment order, you agree to sign a statement describing the dispute w ith the payee, to assign to us
all of your rights against the payee or other holders of the check or draft and to assist us in any legal action. You
agree to indemnify and hold us harmless from all costs and expenses,
including attorney' s fees, damages, or
claims, related to our honoring your stop payment request or in failing to stop payment of an item as a result of
incorrect information provided to us or the giving of inadequate time to act upon a stop payment request.

time in advance of

2. USING YOUR CARD - You understand that the use of your credit card or credit card account w ill constitute
acknow ledgement of receipt and agreement to the terms of the Credit Card Agreement and Credit Card Account
Opening Disclosure (Disclosure). You may use your card to make purchases from merchants and others w ho
accept your card. The credit union is not responsible for the refusal of any merchant or financial
institution to
honor your card. If you w ish to pay for goods or services over the Internet, you may be required to provide card
number security information before you w ill be permitted to complete the transaction. In addition, you may obtain
institutions that accept your card, and from some
cash advances from the Credit Union,
the credit union authorizes ATM
(Not all ATMs accept your card.)
automated teller machines (ATMs).
transactions w ith your card, it w ill issue you a personal identification number (PIN). To obtain cash advances from
an ATM, you must use the PIN issued to you for use w ith your card. You agree that you w ill not use your card for
any transaction that is illegal under applicable federal, state, or local law . Even if you use your card for an illegal
transaction, you w ill be responsible for all amounts and charges incurred in connection w ith the transaction. If you
are permitted to obtain cash advances on your account, you may also use your card to purchase instruments and
engage in transactions that w e consider the equivalent of cash. Such transactions w ill be posted to your account
as cash advances and include, but are not
lottery tickets, and
casino gaming chips, as applicable. This paragraph shall not be interpreted as permitting or authorizing any
transaction that is illegal.

limited to, w ire transfers, money orders, bets,

from other financial

If

3. PROMISE TO PAY - You promise to pay all charges (purchases, cash advances, balance transfers, use of
statement checks or any other charge) made to your account by you or anyone you authorize to use your account.
You also promise to pay all finance charges and other charges added to your account under the terms of
this
Agreement or another agreement you made w ith the Credit Union. If
this is a joint account, the paragraph on
JOINT ACCOUNTS also applies to your account.

CUNA Mutual Group 1991, 2006, 09, 10, 12 All Rights Reserved

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DMOIO0 (MXC501)-e

4. PERIODIC RATES - The periodic rates applicable to purchases, cash advances, and balance transfers are
disclosed on the Disclosure that accompanies this Agreement. Any penalty rate that may be imposed for failing to
make a payment by the payment due date is also disclosed on the Disclosure. Any rate change w ill be made
pursuant to applicable law . If the rate for your account is variable, as indicated on the accompanying Disclosure,
the rate charged on purchases, cash advances, balance transfers and any penalty rate w ill vary periodically as
for certain types of
disclosed in the Disclosure accompanying this Agreement. The initial rate on your account
transactions may be an introductory discounted rate (Introductory Rate) that
is low er than the rate that w ould
ordinarily apply for that
transaction. If an Introductory Rate applies to your account, the rates and the
period of time it w ill be effective is show n on the Disclosure accompanying this Agreement. After the Introductory
Rate period expires, the periodic rate w ill automatically increase to the rates that w ould ordinarily apply for that
type of transaction based on the terms of this Agreement.

type of

5. FINANCE CHARGES - New purchases posted to your account during a billing cycle w ill not incur a finance
charge for that billing cycle if you had a zero or credit balance at the beginning of that billing cycle, or you paid
the entire new balance on the previous cycle' s billing statement by the payment due date of
that statement;
otherw ise a finance charge w ill accrue from the date a purchase is posted to your account. To avoid an additional
finance charge on the balance of purchases, you must pay the entire new balance on the billing statement by the
payment due date of that statement. A finance charge begins to accrue on cash advances from the date you get
the cash advance or from the first day of the billing cycle in w hich the cash advance is posted to your account,
w hichever is later (transaction date).

The finance charge is calculated separately for purchases and cash advances. For purchases, the finance charge is
computed by applying the periodic rate to the average daily balance of purchases. To calculate the average daily
balance of purchases, w e take the beginning outstanding balance of purchases each day, add any new purchases,
and subtract any payments and/or credits. This gives us the daily balance of purchases. We then add all of the
daily balances of purchases for the billing cycle together and divide the total by the number of days in the billing
cycle. This gives us the average daily balance of purchases.

For cash advances, the finance charge is computed by applying the periodic rate to the average daily balance of
cash advances. To calculate the average daily balance of cash advances, w e take the beginning outstanding
balance of cash advances each day, add in any new cash advances, and subtract any payments and/or credits
that w e apply to the cash advance balance. This gives us the daily balance of cash advances. We then add all of
the daily balances of cash advances for the billing cycle together and divide the total by the number of days in the
billing cycle. This gives us the average daily balance of cash advances. Balance transfers are calculated in the
same manner as cash advances.

6. FOREIGN TRANSACTIONS -
Visa. Purchases and cash advances made in foreign currencies w ill be debited from your account in U.S. dollars.
The exchange rate betw een the transaction currency and the billing currency used for processing international
transactions is a rate selected by Visa from a range of rates available in w holesale currency markets for the
the
applicable central processing date, w hich rate may vary from the rate Visa itself
government-mandated rate in effect
for the applicable central processing date. The exchange rate used on the
processing date may differ from the rate that w ould have been used on the purchase date or cardholder statement
posting date.

receives or

A fee (finance charge), calculated in U.S. dollars, w ill be imposed on all foreign transactions, including purchases,
cash advances 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, w ith the exception of U.S. military bases, U.S.
territories, U.S. embassies or U.S. consulates. The Foreign Transaction Fee is set
forth on the Disclosure
accompanying this Agreement.

MasterCard. Purchases and cash advances made in foreign currencies w ill 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 w holesale exchange rate and is selected by MasterCard. The rate
MasterCard uses for a particular transaction is the rate MasterCard selects for the applicable currency on the day
the transaction is processed. This rate may differ from the rate applicable on the date the transaction occurred or
w as posted to your account.

A fee (finance charge) w ill be charged on all transactions completed outside of
the United States, w here the
cardholder' s country code differs from the merchant' s country code. A fee (finance charge) w ill be charged on all
transactions completed in a foreign currency. All fees are calculated based on the transaction 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.

7. FEES - In addition to the periodic rate,
If
applicable to your account, the fee amounts and explanations are disclosed on the Disclosure accompanying this
Agreement. Your account may also be subject to additional fees as set forth on the Disclosure accompanying this
Agreement.

the follow ing additional fees may be imposed on your account.

a. Annual Fee. If your account is subject to an Annual Fee, the fee w ill be charged to your account upon the
issuance of your card. Each year follow ing, the annual fee w ill be charged to your account during the same month
that you w ere first charged the fee. The fee w ill be charged each year until your account is closed and paid in full.

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DMOIO0 (MXC501)-e

to a Foreign Transaction Fee (finance
b. Foreign Transaction Fee (Finance Charge). If your account
charge), a fee may be charged to your account for transactions made outside of the United States or in a foreign
currency.

is subject

c. Late Payment Fee. If your account is subject to a Late Payment Fee, the fee w ill be charged to your account
w hen you do not make the required minimum payment by or w ithin the number of days of the statement Payment
Due Date set forth on the Disclosure accompanying this Agreement.

d. Returned Payment Fee. If your account is subject to a Returned Payment Fee, the fee w ill be charged to your
account w hen a payment is returned for any reason.

e. Statement Copy Fee. If your account is subject to a Statement Copy Fee, except as limited by applicable law
and w hen the request is made in connection w ith a billing error made by the Credit Union, a fee may be charged
to your account for each copy of a sales draft or statement that you request.

f. Document Copy Fee. If your account is subject to a Document Copy Fee, except as limited by applicable law ,
a fee may be charged to your account for each copy of a sales draft or statement that you request (except w hen
the request is made in connection w ith a billing error made by the Credit Union).

g. Rush Fee. If your account is subject to a Rush Fee, except as limited by applicable law , a fee may be charged
to your account for each rush card that you request, providing delivery of the card is also available by standard
mail service, w ithout paying a fee for delivery.

8. PAYMENTS - Each month you must pay at least the minimum payment show n on your statement by the date
specified on the statement. You may pay more frequently, pay more than the minimum payment or pay the total
new balance in full. If you make extra or larger payments, you are still required to make at least the minimum
payment each month your account has a balance (other than a credit balance). The minimum payment is 2.00%
of your total new balance, or $10.00, w hichever is greater, plus the amount of any prior minimum payments that
you have not made, all outstanding unpaid fees and charges, and any amount you are over your credit limit by the
date specified on the statement. The Credit Union also has the right
to demand immediate payment of any
amount by w hich you are over your credit limit.

9. PAYMENT ALLOCATION - Subject
to applicable law , your payments may be applied to w hat you ow e the
Credit Union in any manner the Credit Union chooses. How ever, in every case, in the event you make a payment
in excess of the required minimum periodic payment, the Credit Union w ill allocate the excess amount first to the
balance w ith the highest annual percentage rate and any remaining portion to the other balances in descending
order based on applicable annual percentage rate.

10. SECURITY INTEREST - You grant the Credit Union a security interest under the Uniform Commercial Code and
under any common law rights the Credit Union may have in any goods you purchase. If you give the Credit Union
a specific pledge of shares by signing a separate pledge of shares, your pledged shares w ill secure your account.
You may not w ithdraw amounts that have been specifically pledged to secure your account until the Credit Union
agrees to release all or part of the pledged amount.

Your Account is secured by all other shares you have in any individual or joint account with the Credit Union,
except for shares in an Individual Retirement Account or in any other account that would lose special tax
treatment under state or federal law if given as security. These other shares may be withdrawn unless you are
in default under this agreement. You authorize the Credit Union to apply the balance in your individual or joint
share accounts to pay any amounts due on your Account if you should default.

Collateral securing other loans you have w ith the Credit Union may also secure this loan, except that a dw elling
w ill never be considered as security for this account, notw ithstanding anything to the contrary in any other
agreement.

11. DEFAULT - You w ill be in default if you fail to make any minimum payment or other required payment by the
date that it is due. You w ill be in default if you break any promise you make under this Agreement. You w ill be in
is, unable to pay your obligations w hen they
default
become due. You w ill be in default if you make any false or misleading statements in any credit application or
credit update. You w ill also be in default if something happens that the Credit Union believes may substantially
reduce your ability to repay w hat you ow e.

file for bankruptcy or become insolvent,

if you die,

that

to demand immediate payment of your full account
When you are in default,
balance w ithout giving you notice.
is demanded, you agree to continue paying finance
charges at the periodic rate charged before default, until w hat you ow e has been paid, and any shares that w ere
given as security for your account may be applied tow ards w hat you ow e.

the Credit Union has the right
immediate payment

If

12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION -
Visa. You agree to notify us immediately, orally or in w riting, at PO Box 1030, Chesterfield, MO 63006-1030 or
telephone 1(800) 610-0791 seven (7) days a w eek, 24 hours a day, of the loss, theft, or unauthorized use of
your credit card. You may be liable for the unauthorized use of your credit card. You w ill not be liable for
unauthorized use that occurs after you notify us of the loss, theft, or possible unauthorized use. You w ill have no
liability for unauthorized purchases made w ith your credit card, unless you are grossly negligent in the handling of
your card. In any case, your liability w ill not exceed $50.00.

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DMOIO0 (MXC501)-e

in w riting, at PO Box 1030, Chesterfield, MO
MasterCard. You agree to notify us immediately, orally or
63006-1030 or telephone 1(800) 610-0791 seven (7) days a w eek, 24 hours a day, of
theft, or
unauthorized use of your credit card. You may be liable for the unauthorized use of your credit card. You w ill not
the loss, theft, or possible unauthorized use.
be liable for unauthorized use that occurs after you notify us of
loss or theft, if you have not
How ever, if you exercise reasonable care in safeguarding your card from risk of
is in good
reported tw o (2) or more incidents of unauthorized use in the last 12 months, and if your account
standing, you w ill not be liable for any unauthorized purchase transactions. In any case, your liability w ill not
exceed $50.00.

the loss,

13. CHANGING OR TERMINATING YOUR ACCOUNT - As permitted by law , the Credit Union may change the
terms of this Agreement and any attached Disclosure from time to time. Notice of any change w ill be given in
accordance w ith applicable law . If permitted by law and specified in the notice to you, the change w ill apply to
your existing account balance as w ell as to future transactions.

Either you or the Credit Union may terminate this Agreement at any time, but termination by you or the Credit
Union w ill not affect your obligation to pay the account balance plus any finance and other charges you ow e
under this Agreement. Your obligation to pay the account balance plus any finance and other charges you ow e
under this agreement are subject to all applicable law s and regulations regarding repayment requirements. You are
also responsible for all
termination, unless the transactions w ere
unauthorized.

transactions made to your account after

The card or cards you receive remain the property of the Credit Union and you must recover and surrender to the
Credit Union all cards upon request or upon termination of this Agreement w hether by you or the Credit Union. If
this is a joint account, the paragraph on JOINT ACCOUNTS of this Agreement also applies to termination of the
account.

14. CHANGING OR TERMINATING AUTHORIZED USERS - Upon your request, w e may issue additional cards for
authorized users that you designate. You must notify us in w riting of any termination of an authorized user' s right
to access your account. Your letter must include the name of the authorized user and your account number and/or
any subaccount number issued to the authorized user along w ith the authorized user' s card and any convenience
or other access checks issued to the authorized user. If you cannot return the authorized user' s card or access
checks and if you request your account to be closed, w e w ill close your account and you may apply for a new
account.

15. CREDIT REVIEW AND RELEASE OF INFORMATION - You authorize the Credit Union to investigate your credit
standing w hen opening or review ing your account. You authorize the Credit Union to disclose information
regarding your account to credit bureaus and creditors w ho inquire about your credit standing. If your account is
eligible for emergency cash and/or emergency card replacement services, and you request such services, you
agree that w e may provide personal information about you and your account that is necessary to provide you w ith
the requested service(s).

16. RETURNS AND ADJUSTMENTS - Merchants and others w ho honor your card may give credit for returns or
adjustments, and they w ill do so by sending the Credit Union a credit slip w hich w ill be posted to your account. If
your credits and payments exceed w hat you ow e the Credit Union,
future
purchases and cash advances. If the credit balance amount is $1.00 or more, it w ill be refunded upon your w ritten
request or automatically after six (6) months.

the amount w ill be applied against

17. ADDITIONAL BENEFITS/CARD ENHANCEMENTS • The Credit Union may from time to time offer additional
services to your account, such as travel accident insurance, at no additional cost to you. You understand that the
Credit Union is not obligated to offer such services and may w ithdraw or change them at any time.

18. MERCHANT DISPUTES - Credit Union is not responsible for the refusal of any merchant or financial institution
to honor your card. The Credit Union is subject
to claims and defenses (other than tort claims) arising out of
goods or services you purchase w ith the card if you have made a good faith attempt but have been unable to
obtain satisfaction from the merchant or service provider, and (a) your purchase w as made in response to an
advertisement the Credit Union sent or participated in sending to you; or (b) your purchase cost more than $50.00
and w as made in your state or w ithin 100 miles of your home.

19. JOINT ACCOUNTS - If this is a joint account, each of you w ill be individually and jointly responsible for paying
all amounts ow ed under this Agreement. This means that the Credit Union can require any one of you individually
to repay the entire amount ow ed under this Agreement. Each of you authorizes the other(s) to make purchases or
cash advances individually. Any one of you may terminate the account and the termination w ill be effective as to
all of you.

20. EFFECT OF AGREEMENT • This Agreement is the contract w hich applies to all transactions on your account
even though the sales, cash advances, credit or other slips you sign or receive may contain different terms.

21. NO WAIVER - The Credit Union can delay enforcing any of its rights any number of times w ithout losing them.
22. STATEMENTS AND NOTICES - Statements and notices w ill be mailed or delivered to you at the appropriate
address you have given the Credit Union. Notice sent to any one of you w ill be considered notice to all.

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23. SEVERABILITY AND FINAL EXPRESSION - This Agreement and the Disclosure are the final expression of the
terms and conditions of your account. This w ritten Agreement and Disclosure may not be contradicted by
evidence of any alleged oral agreement. Should any part of this Agreement or the Disclosure be found to be invalid
or unenforceable, all other parts of this Agreement and Disclosure shall remain in effect and fully enforceable to
the fullest extent possible under this Agreement.

24. COPY RECEIVED - You acknow ledge that you have received a copy of this Agreement and Disclosure.

25. PENALTY RATE DISCLOSURES - If applicable to your account, all rates for your account, including the rates
for purchases, cash advances, and balance transfers, w ill
increase to the Penalty Rate w hen you meet one or
more of the conditions as set forth in the Disclosure accompanying this Agreement. Any rate increases applied to
your account are subject to applicable notice requirements. Please refer to the Disclosure for additional information
regarding the Penalty Rate.

26. NOTICE TO UTAH BORROWERS - This w ritten agreement is a final expression of the agreement betw een you
and the Credit Union. This w ritten agreement may not be contradicted by evidence of any oral agreement.

27. THE FOLLOWING IS REQUIRED BY VERMONT LAW -- NOTICE TO CO-SIGNER -- YOUR SIGNATURE ON THIS
NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES
NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.

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-
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-

-
-

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-

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
If you think there is an error on your statement, w rite to us at the address listed on your statement.
In your letter, give us the follow ing 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 w hat you believe is w rong

and w hy 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 w ant to stop payment on

the amount you think is w rong.
You must notify us of any potential errors in writing [or electronically]. You may call us, but if you do w e 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 w e receive your letter, w e must do tw o things:

you if w e have already corrected the error.

believe the bill is correct.
While w e investigate w hether or not there has been an error:

1. Within 30 days of receiving your letter, w e must tell you that w e received your letter. We w ill also tell

2. Within 90 days of receiving your letter, w e must either correct the error or explain to you w hy w e

-
-
that amount.
-

balance.

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 w e may continue to charge you interest on

While you do not have to pay the amount in question, you are responsible for the remainder of your

We can apply any unpaid amount against your credit limit.

After w e finish our investigation, one of tw o things w ill happen:

If we made a mistake: You w ill 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 w ill have to pay the amount in question, along w ith
applicable interest and fees. We w ill send you a statement of the amount you ow e and the date payment is due.
We may then report you as delinquent if you do not pay the amount w e think you ow e.
If you receive our explanation but still believe your bill is w rong, you must w rite to us w ithin 10 days telling us
that you still refuse to pay. If you do so, w e cannot report you as delinquent w ithout also reporting that you are
questioning your bill. We must tell you the name of anyone to w hom w e reported you as delinquent, and w e must
let those organizations know w hen the matter has been settled betw een us.
If w e 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 w ith the goods or services that you have purchased w ith your credit card, and you have
tried in good faith to correct the problem w ith the merchant, you may have the right not to pay the remaining
amount due on the purchase.
To use this right, all of the follow ing must be true:

1.

The purchase must have been made in your home state or w ithin 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 w as based on an advertisement w e mailed to you, or if w e ow n the company that sold you the goods or
services.)

2.

You must have used your credit card for the purchase. Purchases made w ith cash advances from an

ATM or w ith a check that accesses your credit card account do not qualify.

You must not yet have fully paid for the purchase.

the criteria above are met and you are still dissatisfied w ith the purchase, contact us in writing [or

3.
If all of
electronically] at the address listed on your statement.
While w e investigate,
the same rules apply to the disputed amount as discussed above. After w e finish our
investigation, w e w ill tell you our decision. At that point, if w e think you ow e an amount and you do not pay, w e
may report you as delinquent.

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