Provident Credit Union 
P.O. Box 8007 
Redwood City, CA 94063-0907

While you investigate, the same rules apply to the disputed 
amount	as	discussed	above.	After	you	finish	your	investiga-
tion, you will tell me your decision. At that point, if you 
think I owe an amount and I do not pay, you may report me 
as delinquent.       

O. Use of Card and Account by Others. If I so request, you 

may issue cards not only to me, but also to others who will 
only be authorized users of the Account. Such additional 
cards may be imprinted either with my name or with the 
names of the authorized user(s). I agree that if I permit 
another person to use my Account (whether or not I have 
told the Credit Union that such person will be using my 
Account), with or without the Card, PIN, that I will pay 
for any Purchases or Advances made by such person(s) 
on	my	Account	and	any	finance	or	other	charges	imposed	
on those Purchases and Advances, even if the amount 
exceeds my permission.

If I have authorized someone to use my Account and I 
want to terminate that person’s access, I agree that I must 
notify you in writing; if possible, enclosing the Card(s) 
used	by	that	person,	cut	in	two.	Once	I	have	notified	
you that this individual is no longer authorized, even if 
the card is not recovered, my liability ceases for future 
charges made to the Account. I may request you to cancel 
all cards and establish a new Account for me. If I request 
you to terminate the use of my PIN by another person, you 
will cancel my PIN and issue a new PIN.

P.  Transfer of Account. I cannot transfer or assign my Ac-

count to any other person or Trust.

Q. Change of Address. I will advise you promptly if I change 
my mailing address. All written notices and statements 
from you to me will be considered given when placed in 
the United States mail, postage prepaid, and addressed to 
me at my current address as it appears in your records.

R.  Irregular Payments. You may accept late payments or par-
tial payments, or checks, drafts or money orders marked 
“Payment in Full” without losing any of your rights under 
this Agreement.

S  Security. Other than for a Share Secured Account, no se-

curity interest is taken in my property to secure payment. 
However, collateral securing other loans with you may 
also secure this loan, except for my principal dwelling and 
household goods. 

T.  Amendments. You may change any part of this Agree-

ment at any time, as long as, when applicable, you give me 
advance written notice as required by law. Any change in 
terms will apply to my outstanding balance existing as of 
the effective change date as well as to all charges made 
after that date.

U.  Cancellation. I can cancel my Account at any time by re-

turning to you my Card, along with a letter requesting that 
you cancel my Account. You may cancel this Agreement at 
any time. However, my obligation under this Agreement 
and any charges made under it prior to cancellation will 

continue to apply until I have paid you all the money I owe 
on the Account.

V.  Skip Payment. At your option, you may not require me to 

make a Minimum Payment during certain designated billing 
cycles. If I do not make my Minimum Payment as provided 
in the Agreement, I understand you will continue to apply 
Finance Charges to my Account. Beginning with the billing 
cycle following a skip payment, I agree that all of the 
provisions of this Agreement shall apply.

ered, approved and issued in the State of California and 
all extensions of credit are being made from the State of 
California. I agree that this Agreement shall be governed 
by and interpreted under California and Federal Law. If 
any part of this Agreement is not valid, all other parts will 
remain enforceable.

My Billing Rights - Keep This Notice for Future Use

This notice contains important information about my rights 
and your responsibilities under the Fair Credit Billing Act.

W. Automatic Payment Option. If I have requested this op-

What To Do If I find A Mistake On My Statement

tional service, you will automatically transfer the amount 
of the payment requested from my designated Credit 
Union account. The payment option can be designated by 
me as one of the following: (1) Full Payment; (2) Minimum 
Periodic	Payment;	or,	(3)	a	specified	dollar	amount.	If	the	
amount I have designated for payment is greater than the 
amount of available funds being on deposit on the day 
of the transfer the transfer has been made, the transfer 
will be reversed. If I make additional payments during the 
billing cycle, the automatic transfer may still take place on 
the statement closing date. You may cancel this service if 
the	transfers	are	not	honored	because	of	insufficient	and/
or unavailable funds in my deposit account and you will 
notify me of this action. I may cancel this service at any 
time, however I understand that one more transfer(s) may 
occur	if	I	do	not	provide	sufficient	notice	for	the	Credit	
Union to input the change.

X.  Liability for Unauthorized Use. I may be liable for the 

unauthorized use of my Card. I will not be liable for any 
unauthorized use that occurs after I notify Payment 
Systems for Credit Unions orally, of the loss, theft or 
possible unauthorized use. In any case, my liability will not 
exceed $50.00. I may report a lost or stolen Card by calling 
1-(800) 449-7728.

Y.  Illegal Transactions. I understand that I am not permit-

ted to use my Account for any illegal transaction, such as 
unlawful gambling. The legality of any transaction will not 
affect my liability for the balances I have incurred on my 
account.

Z  Lost and Stolen Cards. If I report my Card lost or stolen as 
provided	in	paragraph	Z,	then	recover	or	find	my	Card	and	
fail to notify you immediately of the recovery at 1-800 
449-7728, I agree to pay you the amount of any reward 
previously paid by you to a retail merchant to recover the 
Card I reported as lost or stolen.

AA. Other Provisions. Each of us who signed the Application 
and/or	requested	the	Account	or	use	the	Account	is	indi-
vidually and jointly obligated for all payments due under 
this Agreement. The Account has been applied for, consid-

If I think there is an error on my statement, I should write 
to you at:

Provident Credit Union 
P.O. Box 8007 
Redwood City, CA 94063-0907

Or I may also contact you on the Web: Providentcu.org

In my letter, I will give you the following information:

•	 Account	information:	My	name	and	account	number.

•	 Dollar	amount:	The	dollar	amount	of	the	suspected	er-

ror.

•	 Description	of	problem:	If	I	think	there	is	an	error	on	my	
bill, describe what I believe is wrong and why I believe it 
is a mistake.

I must contact you:

•	 Within	60	days	after	the	error	appeared	on	my	state-

ment.

•	 At	least	3	business	days	before	an	automated	payment	
is scheduled, if I want to stop payment on the amount I 
think is wrong.

I must notify you of any potential errors in writing [or elec-
tronically]. I may call you, but if I do you are not required 
to investigate any potential errors and I may have to pay 
the amount in question.

What Will Happen After You Receive My Letter

When you receive my letter, you must do two things:

1. Within 30 days of receiving my letter, you must tell me 
that you received my letter. You will also tell me if you 
have already corrected the error.

2. Within 90 days of receiving my letter, you must either 
correct the error or explain to me why you believe the 
bill is correct. While you investigate whether or not 
there has been an error:

•	 You	cannot	try	to	collect	the	amount	in	question,	or	

report me as delinquent on that amount.

•	 The	charge	in	question	may	remain	on	my	statement,	

and you may continue to charge me interest on that 
amount.

•	 While	I	do	not	have	to	pay	the	amount	in	question,	I	am	

responsible for the remainder of the balance.

•	 You	can	apply	any	unpaid	amount	against	my	credit	limit.	
After	you	finish	your	investigation,	one	of	two	things	will	
happen:

If you made a mistake: I will not have to pay the amount 
in question or any interest or other fees related to the 
amount.

If you do not believe there was a mistake: I will have to pay 
the amount in question, along with applicable interest and 
fees. You will send me a statement of the amount I owe 
and the date payment is due. You may then report me as 
delinquent if I do not pay the amount you think I owe.

If I receive your explanation but still believe my bill is 
wrong, I must write to you within 10 days telling you that 
I still refuse to pay. If I do so, you cannot report me as de-
linquent without also reporting that I am still questioning 
your bill. You must tell me the name of anyone to whom 
you reported me as delinquent, and you must let those 
organizations know when the matter has been settled 
between us.

If you do not follow all of the rules above, I do not have to 
pay	the	first	$50	of	the	amount	I	question	even	if	my	bill	
is correct.

My	Rights	If	I	Am	Dissatisfied	With	My	Credit	Card	Purchases

If I have a problem with the quality of property or services 
that I purchased with my credit card, and I have tried in 
good faith to correct the problem with the merchant, I may 
have the right not to pay the remaining amount due on the 
property or services.

To use this right, all of the following must be true:

1. I must have made the purchase in my home state or, if 
not within my home state, within 100 miles of my cur-
rent mailing address; and, the purchase price must have 
been more than $50.00. (Note: Neither of these are 
necessary if my purchase was based on an advertise-
ment you mailed to me, or if you own the company that 
sold me the goods or services).

2. I must have used my credit card for the purchase. Pur-
chases made with cash advances from an ATM or with 
a check that accesses my credit card account do not 
qualify.

3. I must not yet have fully paid for the purchase.

If	all	of	the	criteria	above	are	met	and	I	am	still	dissatisfied	

with the purchase, I must contact you in writing at:

VISA Variable Credit Card Agreement, 
Overdraft Protection Agreement, and 
Truth In Lending Disclosure Statement
This is your Cardholder Agreement with Provident Credit 
Union which outlines the terms to which you agree by 
requesting, receiving, signing, using or authorizing another 
to sign and use, any Credit Card, PIN, Credit Account, or 
other credit devices issued to you here under. This Agree-
ment covers your Provident, College and Share Secured VISA 
credit cards. Please read this agreement and keep it for your 
records.

In this Agreement, the word “Account” means the Credit 
Card Account opened pursuant to this Agreement, including 
use of your Card or PIN. “Card” means one or more cards 
and	“PIN”	means	Personal	Identification	Number	issued	with	
respect to the Account. The words “I,” “me,” “my” which also 
mean “we,” “us” and “our,” if more than one person, mean 
the person or persons who use or authorize the use of the 
VISA credit card or sign an application for a VISA credit card. 
The words “you,” “your,” and “yours” mean Provident Credit 
Union or its authorized agents. 

A. How to Use this Account. I can purchase or lease goods 

and services (“Purchases”) from a merchant up to my maxi-
mum credit limit by presenting my VISA credit card (“Card”) 
and signing a sales slip for the amount of the Purchase. I 
may also use my card:

1. To obtain cash loans (“Cash Advances”) up to my maxi-

mum	credit	limit	from	financial	institutions	that	accept	a	
VISA credit card;

2. By making withdrawals with this Card at an automated 

teller machine;

3. By granting merchants telephonic authorization to 

charge products or services to my account;

4. By using my Card to charge phone calls; or,

5. By issuing checks or drafts or the accrual of any charges 
against my checking account with Provident Credit Union 
in excess of its balance (if overdraft feature is avail-
able). Advances made by automatic transfer of funds 
directly into my pre-designated checking account(s) 
may be in multiples of $100.00 or in the amount of the 
overdraft depending on which option is available.

6. By making transfers of available funds to another credit 
union account through the credit union’s Touch Tone 
Teller or Account Manager systems, or through direct 
contact with a credit union representative.

M-104513

 
B.  Maximum Credit Limit. You will provide me with notice of 

my maximum credit limit on my monthly billing statement, 
and I agree you may change my limit at any time. I agree 
never to use my Card when the use will exceed my maxi-
mum credit limit. I also agree that you are not obligated 
to extend to me credit for an amount that would make my 
outstanding balance exceed my maximum credit limit, or 
for any amount if my outstanding balance is already over 
the maximum credit limit. Any increases in my maximum 
credit limit I request may require that I make a written 
application for your approval. I will pay any amounts which 
exceed my maximum credit limit upon demand. You may 
re-evaluate	my	financial	condition	if	I	request	a	higher	
credit limit, or at any other time, and this may include 
obtaining	a	current	credit	bureau	report	or	screening,	and/
or	asking	me	for	current	financial	information.	Based	on	
such a review, you may immediately increase, reduce or 
even revoke my Account without prior written notice.

C.  Monthly Statement. If I have an outstanding debit or credit 
New Balance of $1.00 or more, or if there is any Finance 
Charge imposed during a billing cycle, you will send me a 
statement. I agree to pay you for all Purchases, Cash Ad-
vances, fees and charges, if any, and Finance Charges on 
my Account, all payable in United States dollars. Payment 
checks	must	be	drawn	on	a	financial	institution	or	other	
entity domiciled in the United States.

Posting of my payment will be delayed if I present you a 
check	drawn	on	a	non	United	States	domiciled	financial	
institution or entity. The payment will not be credited to 
my Account until the funds have been collected in United 
States dollars. I agree to allow the Credit Union to debit my 
account for any collection and processing fees associated 
with handling this payment.

D.	Finance	Charges.	You	will	impose	Finance	Charges	as	follows:

Purchases

1. A Finance Charge is imposed on purchases from the date 

of posting to my Account to the date of repayment.

2. For each billing cycle:

a) You multiply the Monthly Periodic Rate times the 

Average	Daily	Balance	of	Purchases.	The	Average	Daily	
Balance is the sum of the daily unpaid balances of 
purchases on each day of the billing cycle covered by my 
current billing statement divided by the number of days 
in the billing cycle. Such unpaid balances are determined 
by deducting payments and credits applied against such 
unpaid balances and by adding new purchases, unpaid 
finance	charges,	fees	and	other	charges,	in	each	case,	
as of the date posted to my Account.

b) You multiply the Monthly Periodic Rate times the Aver-

age	Daily	Balance	of	Previous	Billing	Cycle	Purchases.	
The	Average	Daily	Balance	of	Previous	Billing	Cycle	Pur-
chases is the sum of the unpaid balances of purchases 
itemized on my last billing statement on each day of 
the billing cycle covered by my last billing statement 
divided by the number of days in the billing cycle. Such 
unpaid balances are determined by deducting payments 
and credits applied against such unpaid balances and by 
adding	new	purchases,	unpaid	finance	charges,	fees	and	
other charges, in each case, as of the date posted to my 
Account.

c) You add the amounts determined under (a) and (b) to 

obtain the Finance Charge on purchases.

3. A Finance Charge is not imposed on:

a) New purchases posted during a billing cycle if: (a) I paid 
the New Balance shown on the billing statement cover-
ing	the	preceding	billing	cycle	by	the	Payment	Due	Date	
shown on the billing statement or such New Balance was 
zero and (b) I pay the New Balance shown on the billing 
statement itemizing the new purchases by the Payment 
Due	Date	shown	on	that	billing	statement.

b) Old purchases previously posted for a billing cycle dur-
ing which I pay the New Balance shown on the billing 
statement covering the preceding billing cycle by the 
Payment	Due	Date	shown	on	that	billing	statement.

Cash Advances

1. A Finance Charge is imposed on cash advances as from 

the date of transaction to the date of repayment.

2. For each billing cycle:

a) You multiply the Monthly Periodic Rate times the Aver-
age	Daily	Balance	of	Cash	Advances.	The	Average	Daily	
Balance is the sum of the daily unpaid balances of cash 
advances on each day of the billing cycle covered by my 
current billing statement divided by the number of days 
in the billing cycle. Such unpaid balances are determined 
by deducting payments and credits applied against such 
unpaid	balances	and	by	adding	unpaid	finance	charges,	
in each case, as of the date posted to my Account and 
by adding new cash advances as of the date of the 
transaction.

b) You multiply the Monthly Periodic Rate times the 

Average	Daily	Balance	of	Previous	Billing	Cycle	Cash	
Advances.	The	Average	Daily	Balance	of	Previous	Billing	
Cycle Cash Advances is the sum of the unpaid balances 
of cash advances itemized on my last billing statement 
on each day of the billing cycle covered by my last billing 
statement divided by the number of days in the billing 
cycle. Such unpaid balances are determined by deduct-

ing payments and credits applied against such unpaid 
balances	and	by	adding	unpaid	finance	charges,	in	each	
case, as of the date posted to my Account and by adding 
new cash advances as of the date of the transaction.

c) You may also charge a one-time Finance Charge for cash 
advances equal to 3% of the amount of each new cash 
advances, with a minimum Finance Charge of $10.00 for 
advances	at	financial	institutions,	casinos,	ATMs,	wire	
funds, transfers to other credit union accounts, over 
drafts to your Credit Union check account or Western 
Union transfers.

d) You add the amounts determined under a), b) and c) to 

obtain the Finance Charge on Cash Advances.

3. All forms of cash advances, including the use of over 

drafts to your Credit Union checking account, regardless 
of the purpose for which used, shall be subject to the 
Finance Charges as set forth above.

E.  Monthly Periodic Finance Charge, Monthly Periodic Rate, 

Annual Percentage Rate (APR), and Penalty Annual 
Percentage Rate. The following interest rates apply as of 
November 15, 2011:

APR 

Margin 

Index 
(Prime Rate)  Periodic Rate

Initial 

9.65%–18.00%  6.40%–14.75%  3.25% 

0.80%–1.50%

The Monthly Periodic Rate and corresponding Annual 
Percentage Rate used in calculating the Monthly Periodic 
Finance Charge may increase or decrease during the term 
of this Agreement. Any such change will be based on an 
increase or decrease in the “Prime Rate” as published in 
The Wall Street Journal. In the event that the Index ceases 
to be published, changes in my Annual Percentage Rate 
will be related to a comparable Index. You may waive 
an increase in my Annual Percentage Rate when such 
an increase can be made, but such waiver shall not be 
construed as a waiver of your right to increase the Annual 
Percentage Rate at a future date when entitled to do so.

  My Annual Percentage Rate is subject to change monthly 
on	the	first	day	of	every	month	following	one	full	billing	
cycle after an increase or decrease in the Index. These 
dates	shall	be	known	as	“Adjustment	Dates.”	For	example,	
if the Index changes anytime in the month of January, my 
new	Annual	Percentage	Rate	will	go	into	effect	on	the	first	
day of March and will be based on the Index as of the last 
day	of	January.	Decreases	in	my	Annual	Percentage	Rate	in	
accordance with the terms of this Agreement are manda-
tory. Increases in my Annual Percentage Rate can be made 
at your discretion subject to the terms of this Agreement. 
If the Annual Percentage Rate increases or decreases, the 
Finance Charge will increase or decrease. Each change in 

the Annual Percentage Rate and Monthly Periodic Rate 
which is the result of an increase or decrease in the index 
will apply to any balance outstanding on the effective date 
of such change as well as to future Credit Purchases and 
Cash Advances.

The initial periodic rate used in calculating my Monthly 
Periodic Finance Charge is set forth in the “Rate and Fee 
Table” I received under separate cover and which is made 
part of this Agreement. The Monthly Periodic Finance 
Charge for each billing cycle will be calculated by multiply-
ing	the	Average	Daily	Balance	(described	below)	of	my	
Account for the billing cycle by the Monthly Periodic Rate. 
The Monthly Periodic Rate is determined by dividing the 
Annual Percentage Rate by 12 and will change when the 
Annual Percentage Rate changes. We add 6.4% to the 
Prime	rate	to	determine	the	current	lowest	Daily	Periodic	
Rate used in calculating the Finance Charge is 0.02644%, 
which currently corresponds to an Annual Percentage Rate 
of 9.65%. We add 14.75% to the Prime to determine the 
highest	Daily	Periodic	Rate	used	in	calculating	the	Finance	
Charge is 0.04932%, which corresponds to an Annual 
Percentage Rate of 18.00%.

  Penalty Pricing: Interest Rate Adjustment Event. An Inter-

est Rate Adjustment Event will occur whenever my Account 
is	two	Minimum	Payments	Past	Due.	You	will	change	my	
interest rate to a rate of 18.00% Annual Percentage Rate 
which	is	a	Monthly	Periodic	Rate	of	1.50%	on	the	first	day	
of the billing cycle following the cycle that was two Mini-
mum	Payments	Past	Due.	The	Maximum	Penalty	Annual	
Percentage Rate is 18.00%. Then after I make 6 consecu-
tive minimum payments to my account, you will change the 
interest rate to my original rate (the Annual Percentage 
Rate that was applicable to my account at the time it was 
opened	and	any	subsequent	modification	to	this	rate).	The	
Monthly Periodic Rate and Annual Percentage Rate change 
to	the	original	rate	will	become	effective	the	first	day	of	
the billing cycle following the 6th consecutive billing cycle.

  An increase in the Annual Percentage Rate will have the 
effect of decreasing the portion of any payment applied 
to reduction of the principal account balance and may, 
therefore, increase the number of minimum payments 
necessary to pay off the account.

F.  Promotional Programs. From time to time you may offer 
special programs based upon the use of my account. Any 
such program may offer me an opportunity to receive 
a lower Annual Percentage Rate on all or a portion of 
my balance. I understand that payments will be applied 
first	to	the	portion	of	my	balance	with	the	lowest	Annual	
Percentage Rate however, if I make a payment in excess 
of the minimum payment due in any cycle, the amount of 

the payment that exceeds the minimum payment will be 
applied to the highest Annual Percentage Rate on the ac-
count.

G. Periodic Billing Statements. If I have a balance on my Ac-

count at the end of a billing cycle, you will furnish a periodic 
billing statement (normally monthly) itemizing my purchas-
es, advances and where applicable previous payments. 
H. Minimum Payment. I agree to pay each statement by re-

mitting to you (within 25 days from the date of the billing 
statement’s closing date) the required minimum payment 
due, which will be the greater of 2.5% of the outstand-
ing balance on my Account or $25.00. I have the option 
of making larger payments on the Account at any time 
without penalty.
I.  Fees and Charges.

1.	Late	Payment	Fee:	My	Minimum	Payment	Due	will	be	
past due if it is not received by you on or before the 
Payment	Due	Date	shown	on	each	monthly	statement.	
A fee will be charged to my Account, if at least the 
Minimum	Payment	Due,	including	unpaid	payments,	is	
not received by you within 15 days after the Payment 
Due	Date.

2. Returned Payment Check Fee: If I make a payment by 

check and the check is returned unpaid for any reason, 
my Account will be charged $25 for each returned 
check.

3. Automatic Payment Reversal Fee: If I have elected 

to have the payment(s) on my Account automatically 
deducted from another credit union account and I fail 
to	maintain	sufficient	funds	in	this	account	causing	my	
payment to be reversed, my Account will be charged up 
to $25.

4.	Fee	for	Documents:	If	I	request	a	copy	of	a	charge	slip	

or other document not in connection with a billing error, 
you may charge my Account the cost of $25.00 per sale 
draft plus $6.00 processing fee.

5. Replacement or Additional Card Fee: If I request an addi-
tional card to replace the card initially issued to me, for 
any reason other than the card not being received by 
me or a defect in its manufacture, or if I request a card 
for an additional user on my account, you may charge 
my Account up to $10.00 per card.

J.  Charges Made in Foreign Currency. If I incur a charge in 
a foreign currency, the charge will be converted by VISA 
International	into	a	United	States	Dollar	amount.	VISA	
International will use the procedures set forth in its Oper-
ating Regulations in effect at the time that the transaction 
is processed. Currently those regulations provide that the 
currency conversion rate to be used is either a wholesale 

market rate or a government mandated rate in effect one 
day prior to the processing date. The currency conversion 
rate in effect on the processing date may differ for the 
rate in effect on the transaction date or on the posting 
date. I will be charged a Foreign Transaction Fee equal to 
3% of the transaction amount in U.S. currency.

K.  Application of Payments. In accordance with applicable 

law, you will choose the order in which any payment will 
be applied to my account balances at the time the pay-
ment is made. I agree to make all payments on my account 
in	United	States	Dollars.	If	the	payments	and	credits	
received by you within 25 days from the billing date total 
less than the New Balance, or if a portion of the New 
Balance includes cash or loan advances, the next periodic 
statement	will	include	a	finance	charge	which	I	agree	to	pay.

L.	 Events	of	Default.	I	will	be	in	default	under	the	Account	

and Agreement if any of the following events shall occur: 
(a) If I fail to comply with the minimum payment or any 
other terms or conditions of this Agreement or on any 
other obligation I have or will have with you; (b) if I try to 
exceed my credit limit without your permission; (c) if I have 
made any false or misleading statements on any credit 
application submitted to you; (d) if I should die or become 
insolvent;	(e)	if	a	petition	should	be	filed	or	other	proceed-
ings should be started under the Federal Bankruptcy Code, 
by any authorized signer on the Account, whether or not 
you have been listed as a creditor; (f) if a Receiver should 
be appointed or a writ or order of attachment, levy or 
garnishment should be issued against me or any of my 
property, assets or income; or, (g) if you should consider 
that any debts due under this Agreement unsafe or not 
completely secure or if you should believe, in good faith, 
that the chances of my paying or performing all of my 
obligations under this Agreement have been impaired.

If default occurs under this Agreement, you may, at your 
option, without notice to me, terminate this Agreement, 
revoke my right to use the Card, and demand that I pay 
you immediately all sums which I owe you. Interest will 
continue to accrue at the contract rate after default.

M. Collection Costs. I agree that if you assign my Account to 
an	independent	collection	agency,	or	file	a	lawsuit	to	col-
lect amounts I owe you, that I will pay all costs, disburse-
ments and reasonable attorneys’ fees incurred by you in 
legal proceedings to collect or enforce my indebtedness in 
the event of delinquency by me or in the event of a breach 
of	any	obligation	by	me,	whether	or	not	a	lawsuit	is	filed.
N. Ownership of Card. Any Card or other credit instrument 
which you supply to me is your property and must be 
returned to you immediately upon demand or upon notice 
of cancellation of my Account.