MIDFLORIDA Credit Union
 P.O. Box 8008
 Lakeland, FL 33802

VISA PLATINUM

IMPORTANT CREDIT CARD DISCLOSURES
The following disclosure represents important details concerning your credit card. The information about costs of the card are 
accurate as of ____________ . You can contact us toll free at (866) 913-3733 or P.O. Box 8008, Lakeland, FL 33802 to inquire 
if any changes occurred since the effective date.

INTEREST RATES and INTEREST CHARGES:

Annual Percentage Rate 
(APR) for Purchases

10.99% - 18.00%
Introductory Rate for the first 12 monthly billing cycles depending on your credit 
rating and other factors.
After that, your APR will vary with the market based on the Prime Rate.

APR for Cash Advances 
and Balance Transfers

10.99% to 18.00% depending upon your credit rating and other factors. This APR will 
vary with the market based on the Prime Rate.

Penalty APR and When it 
Applies

Paying Interest

17.99%
This  APR  may  be  applied  to  your  account  if  your  account  becomes  late  60  days  or  more.  
However, if your standard rate is 18.00%, the Penalty APR will not apply.
How  Long  Will  the  Penalty  APR  Apply?  You  must  make  6  payments  in  a  row  on  time  to  
cancel the penalty rate and have your APR lowered tot he rate in effect at the time the 6th on 
time payment is made.

Your due date is at least 21 days after we mail your billing statement. We will not charge you 
interest on purchases if you pay your entire new balance by the due date each month. We will 
begin charging interest on cash advances and balance transfers on the date the cash advance 
or balance transfer is posted to your account.

Minimum Interest Charge

None

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

FEES:

Fees to Open or Maintain 
your Account

None

Transaction Fees

- Balance Transfer:
 - Cash Advance:
 - Foreign Transaction:

Penalty Fees

$20.00 or 2% of the amount of each transfer, whichever is greater
$20.00 or 2% of the amount of each cash advance, whichever is greater
1% of each transaction in U.S. dollars if the transaction involves a currency conversion
1% of each transaction in U.S. dollars if the transaction does not involve a currency 
conversion

- Late Payment:
 - Over-the-Credit Limit:
 - Returned Payment:

Up to $25.00 if your payment is late
 None
 Up to $25.00 if your payment is returned for any reason

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
Loss  of  Introductory  Rate:  The  Introductory  Rate  will  be  cancelled  and  the  Penalty  APR  disclosed  above  will  apply  if  you  
become 60 days or more past due.
Prime Rate: We use the highest prime rate listed in The Wall Street Journal on the last business day of each month.
Overdraft Protection:  If  you  have  overdraft  protection  linked  to  your  credit  card  account,  overdrafts  will  be  charged  to  your  
card at the cash advance APR of 10.99% - 18.00% depending on your credit rating and other factors. This APR will vary with 
the market based on the Prime Rate. In addition, a $10.00 fee will also be added and will accrue interest at the same rates.
Snapshot Photo Card Fee: First card free for each user. $5.99 per individual card thereafter.

LASER FPDF FI19071 Rev 5-2019

page 1 of 4

COPYRIGHT 2005 Securian Financial Group, Inc. All rights reserved.

IN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY 
CREDIT CARD ISSUED TO YOU OR THOSE DESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT 
UNION" MEANS MIDFLORIDA CREDIT UNION OR ITS SUCCESSORS.

VISA PLATINUM CREDIT CARD AGREEMENT

THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR 
THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT.

YOU  SPECIFICALLY  GRANT  US  A  CONSENSUAL  SECURITY
INTEREST  IN  ALL  INDIVIDUAL  AND  JOINT  ACCOUNTS  YOU  HAVE  
WITH  US  NOW  AND  IN  THE  FUTURE  TO  SECURE  REPAYMENT  OF  
CREDIT  EXTENDED  UNDER  THIS  AGREEMENT.  YOU  ALSO  AGREE  
THAT  WE  HAVE  SIMILAR  STATUTORY  LIEN  RIGHTS  UNDER  STATE  
AND/OR  FEDERAL  LAW.  IF  YOU  ARE  IN  DEFAULT,  WE  CAN  APPLY  
YOUR SHARES TO THE AMOUNT YOU OWE.

Shares  and  deposits  in  an  Individual  Retirement  Account  or  any  other  
account that would lose special tax treatment under state or federal law if 
given are not subject to this security interest.

If  you  have  other  loans  with  us,  collateral  securing  such  loans  will  also  
secure your obligations under this Agreement, unless that other collateral 
is your principal residence or non-purchase money household goods.

Using Your Card. You  can  purchase  or  lease  goods  and  services  from  any  
merchant  who  honors  your  Card,  and  you  may  obtain  cash  advances  from  
financial  institutions  and  ATM  machines  that  accept  the  Card,  up  to  your  
maximum  credit  limit.  You  agree  not  to  present  your  Card  or  obtain  a  cash  
advance  for  any  extension  of  credit  in  excess  of  your  available  credit  limit;  
however,  if  you  do  exceed  your  credit  limit,  you  agree  to  make  immediate  
payment  sufficient  to  bring  the  balance  below  the  credit  limit.  Certain  
purchases and cash advances require authorization prior to completion of the 
transaction. In some cases, you may be asked to provide identification. If our 
system  is  not  working,  we  may  not  be  able  to  authorize  a  transaction,  even  
though you have sufficient credit available. Also, for security reasons, we may 
block  the  use  of  your  Card  in  certain  countries  or  geographic  areas.  We  will  
have no liability to you or others if any of these events occur.

 We  may  issue  a  Personal
 Personal  Identification  Number  (PIN).
Identification  Number  (PIN)  for  use  with  your  Card.  This  PIN  is  confidential  
and should not be disclosed to anyone. You may use your PIN and your Card 
to access your account, and all sums advanced will be added to your account 
balance.  In  the  event  a  use  of  your  PIN  constitutes  an  Electronic  Funds  
Transfer,  the  terms  and  conditions  of  your  Electronic  Funds  Transfer  
Agreement may affect your rights.

 Promise To Pay. You promise to pay us in U.S. dollars for (a) all purchases, 
cash  advances,  and  balance  transfers  made  by  you  or  anyone  whom  you  
authorize  to  use  the  Card;  (b)  all  Interest  Charges  and  all  other  charges  or  
fees;  (c)  collection  costs  and  attorney's  fees  as  permitted  by  applicable  law,  
and any costs incurred in the recovery of the Card; and (d) credit in excess of 
your credit limit that we may extend to you.

 Illegal Transactions. You agree that your Card and account will not be used 
to make or facilitate any illegal transactions as determined by applicable law; 
and  that  any  such  use  will  constitute  an  event  of  default  under  this  
Agreement.  We  may  decline  any  transaction  that  we  believe  to  be  illegal  
under  applicable  law,  including  but  not  limited  to  any  transaction  involving  or  
relating  to  any  gambling  activity.  You  agree  that  we  will  have  no  liability  or  
responsibility  for  any  such  use  by  you  or  any  authorized  user(s);  or  for  
declining  any  such  transaction.  You  further  agree  to  indemnify  and  hold  us  
harmless from any suits, liability, damages or adverse action of any kind that 
results  directly  or  indirectly  from  such  illegal  use.  You  promise  to  pay  us  any  
and all amounts owing on your Card for any transactions made by you, even 
if the transaction is determined to be illegal.

 Joint Accounts. Each of you will be responsible, jointly and severally, for the 
repayment  of  amounts  owed,  regardless  of  who  initiated  any  transaction  
under the account.

 You request an additional card for an authorized user in the name of:

 ________________________________________________________

Others  Using  Your  Account.  If  you  allow  anyone  else  to  use  your  account,  
you will be liable for all credit extended to such persons. You promise to pay for 
all  purchases  and  advances  made  by  anyone  you  authorize  to  use  your  
account, whether or not you notify us that he or she will be using it. If someone 
else  is  authorized  to  use  your  account  and  you  want  to  end  that  person's  
privilege, you must notify us in writing, and if he or she has a Card, you must 
return that Card with your written notice for it to be effective.

Ownership of Card. Your Card remains our property and may be cancelled by 
us  at  any  time  without  notice.  You  agree  to  surrender  your  Card  and  to  
discontinue use of the account immediately upon our request.

Interest Charges. You  agree  to  pay  interest  at  the  rate(s)  disclosed  to  you  at  
the  time  you  open  your  account  and  as  may  be  changed  from  time  to  time  in  
 Average  Daily  Balance  including  new
accordance  with  applicable  law.
transactions:  Interest  Charges  will  accrue  on  your  average  daily  balance  
outstanding  during  the  month.  To  get  the  average  daily  balance,  we  take  the  
beginning balance each day, add any new purchases, cash advances, balance 
transfers  or  other  advances,  and  subtract  any  payments,  unpaid  interest  
charges,  and  unpaid  late  charges.  This  gives  us  the  daily  balance.  Then,  we  
add up all the daily balances for the billing cycle and divide that by the number 
of  days  in  the  billing  cycle.  We  then  multiply  that  by  the  periodic  rate  
corresponding  to  the  Annual  Percentage  Rate  on  your  account.  If  you  have  
different  rates  for  purchases,  cash  advances  or  balance  transfers,  separate  
average daily balances for each will be calculated and the appropriate periodic 
rate is then applied to each.

Grace  Period  on  Purchases  Only:  You  can  avoid  Interest  Charges  on  
purchases  by  paying  the  full  amount  of  the  new  balance  each  month  by  the  
date on which the payment is due. Otherwise, the new balance of your account, 
and subsequent advances from the date they are posted to the account, will be 
subject  to  an  Interest  Charge.  You  cannot  avoid  Interest  Charges  on  cash  
advances  and  balance  transfers;  even  if  you  pay  the  entire  cash  advance  
balance or balance transfer balance by the payment due date, you will incur the 
Interest Charges accrued from the date the cash advance or balance transfer is 
posted to your account.

Loss  of  Grace  Period: If  you  usually  pay  your  purchases  in  full  within  the  
grace  period  each  month  to  avoid  a  finance  charge,  transferring  a  balance  to  
your  account  will  eliminate  the  grace  period  unless  you  pay  the  new  balance  
each month.

Fees. In addition to the Interest Charges set forth above, you agree to also pay 
any  and  all  fees  that  you  incur  as  disclosed  to  you  on  your  Truth-in-  Lending  
Statement or similar disclosures (as may be amended from time to time), or as 
disclosed to you during the term of your Card.

If Your Card is Lost or Stolen or if an Unauthorized Use Occurs.  You  agree  
to notify us immediately if your Card is ever lost or stolen or if an unauthorized 
use  may  have  occurred.  "Unauthorized  use"  means  the  use  of  the  Card  by  
someone  other  than  you  who  does  not  have  actual,  implied  or  apparent  
authority  for  such  use,  and  from  which  you  receive  no  benefit.  The  telephone  
number to call is (877) 602-9023. You agree to follow up your call with notice in 
writing to us at: P.O. Box 8008, Lakeland, FL 33802. You also agree to assist us 
in determining the facts, circumstances and other pertinent information relating 
to  any  loss,  theft  or  possible  unauthorized  use  of  your  Card  and  comply  with  
such  procedures  as  we  may  require  in  connection  with  our  investigation.  You 
will  be  liable  for  any  unauthorized  use  only  if  we  can  prove  that  you  were  
negligent in your use or handling of your Card, or if we can prove that you used 
your Card fraudulently.

Minimum  Payment  Due;  Crediting  of  Payments.  Payments  are  due  in  the  
amount and on the date disclosed on your billing statement. If your payment is 
received by us on a business day at the address and by the time designated on 
the billing statement, it will be credited to your account on the date of receipt. If 
payment  is  made  at  any  location  other  than  the  address  designated  on  the  
periodic statement, credit for such payment may be delayed up to five (5) days. 
Payments will be applied in any order we determine, subject to applicable law.
COPYRIGHT 2005 Securian Financial Group, Inc. All rights reserved.

LASER FPDF FI19071 Rev 5-2019

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IN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY 
CREDIT CARD ISSUED TO YOU OR THOSE DESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT 
UNION" MEANS MIDFLORIDA CREDIT UNION OR ITS SUCCESSORS.

VISA PLATINUM CREDIT CARD AGREEMENT

Default; Acceleration; Credit Suspension; Collection Costs. You will be in 
default if: (1) you fail to make any payment on time; (2) if you fail to keep any 
promises  you  have  made  under  this  Agreement  or  under  other  Agreements  
you have with us; (3) if you die; (4) if you file a petition in bankruptcy or have 
a  bankruptcy  petition  filed  against  you,  or  if  you  become  involved  in  any  
insolvency,  receivership  or  custodial  proceeding;  (5)  if  anyone  attempts  to  
take any of your funds held by us via legal process or if you have a judgment 
or  tax  lien  filed  against  you;  (6)  if  you  make  any  false,  inaccurate,  or  
misleading statements in any credit application or credit update; or (7) if we, in 
good faith, believe that your ability to repay what you owe is or soon will be 
impaired, or that you are unwilling to make your payments.

If you are in default, we have the right to demand immediate payment of your 
full  account  balance  without  giving  you  notice.  If  immediate  payment  is  
demanded, you agree to continue paying interest charges and fees until what 
you owe has been paid, and any shares that were given as security for your 
account  may  be  applied  towards  what  you  owe.  You  agree  to  pay  all  
reasonable costs of collection, including court costs and attorney's fees, and 
any costs incurred in the recovery of the Card, subject to applicable law. Even 
if  your  unpaid  balance  is  less  than  your  credit  limit,  you  will  have  no  credit  
available during any time that any aspect of your account is in default.

Suspension  of  electronic  services  and  access  to  share  or  deposit  
accounts. Subject to applicable law, we may suspend some or all electronic 
services  and  access  to  your  checking  or  other  account(s)  if  you  become  
delinquent on any of your credit card or deposit obligations to us or you cause 
a  loss  to  us.  We  shall  not  be  liable  to  you  in  any  regard  in  connection  with  
such suspension of services.

Additional  Benefits/Card  Enhancements.  We  may  from  time  to  time  offer  
additional  services  to  your  Account  at  no  additional  cost  to  you.  You  
understand that we are not obligated to offer such services and may withdraw 
or change them at any time.

Convenience Checks. We may, at our discretion, issue checks to you which 
may be used for any purpose other than making a payment for credit to your 
account.  By  signing  such  check,  you  authorize  us  to  pay  the  item  for  the  
amount indicated and post such amount as a cash advance to your account. 
We do not have to pay any item which would cause the outstanding balance 
in your account to exceed your credit limit.

Credit Information. We  may  from  time  to  time  request  personal  information  
from  you  or  obtain  credit  reports  from  the  credit  reporting  agencies  for  the  
purpose  of  updating  your  credit  status.  Your  failure  to  provide  such  
information  when  requested  by  us  may  result  in  suspension  of  credit  
privileges  under  this  Agreement,  including  your  ability  to  obtain  any  future  
advances by any means. You authorize us to investigate your credit standing 
when  opening  or  reviewing  your  account.  You  authorize  us  to  disclose  
information regarding your account to credit bureau and creditors who inquire 
about your credit standing.

 Purchases  and  cash
Foreign  Transactions;  Currency  Conversion.
advances made in foreign currencies will be billed to you in U.S. dollars. The 
conversion rate in dollars will be a rate selected by the card company from a 
range  of  rates  available  in  wholesale  currency  markets  for  the  applicable  
central processing date, which rate may vary from the rate the card company 
itself  receives,  or  the  government-mandated  rate  in  effect  for  the  applicable  
central  processing  date  in  each  instance.  All  transactions  processed  outside  
of the United States (which may include internet transactions) will be charged 
a  foreign  transaction  fee  in  the  amount  disclosed  on  your  Truth-in-Lending  
Statement (as amended from time to time).

at  any  time,  by  written  notice,  subject  to  applicable  law.  Use  of  the  Card  
constitutes  agreement  and  acceptance  of  any  change  in  terms,  unless  
applicable law requires otherwise. Our failure to exercise any of our rights or 
to  take  any  action  shall  not  constitute  a  waiver  of  those  rights,  or  an  
amendment or change in any of the terms of this Agreement.

 interest

 increase  your  total

Late  or  Partial  Payments.  Any  payment  that  delays  the  reduction  of  your  
balance  will
 payments  or
prepayments will not delay your next scheduled payment - you will still need 
to make the minimum scheduled payment by the next scheduled due date to 
keep your account current. We may accept late payments, partial payments, 
checks  or  money  orders  marked  "payment  in  full"  and  such  action  shall  not  
constitute  final  settlement  of  your  account  or  a  waiver  or  forgiveness  of  any  
amounts owing under this Agreement.

 Partial

 costs.

Enforcement. We do not lose our rights under this or any related agreement 
if we delay enforcing them. If any provision of this or any related agreement is 
determined  to  be  unenforceable  or  invalid,  all  other  provisions  remain  in  full  
force and effect.

Returns and Adjustments.  Merchants  and  others  who  honor  the  Card  may  
give  credit  for  returns  or  adjustments,  and  they  will  do  so  by  submitting  a  
credit slip which will be posted to your account. If your credits and payments 
exceed what you owe us, the amount will be applied against future purchases 
and  cash  advances.  If  the  credit  balance  amount  is  $1  or  more,  it  will  be  
refunded upon your written or verbal request.

Plan Merchant Disputes. We are not responsible for the refusal of any plan 
merchant  or  financial  institution  to  honor  your  Card.  Also,  we  are  not  
responsible for goods or services that you purchase with the Card unless: (a) 
your  purchase  was  made  in  response  to  an  advertisement  we  sent  or  
participated in sending you; or (b) your purchase cost more than $50 and was 
made  from  a  plan  merchant  in  your  state  or  within  100  miles  of  your  home;  
and  only  if  you  have  made  a  good  faith  attempt,  but  have  been  unable  to  
obtain  satisfaction  from  the  plan  merchant.  You  must  resolve  all  other  
disputes directly with the plan merchant. We do not warrant any merchandise 
or services purchased by you with the Card.

Statements and Notices. Statements and notices will be mailed to you at the 
most recent postal address or e-mail address (if you have elected to receive 
such documents via electronic means) you have given us. Notice sent to any 
one of you will be considered notice to all.

Notification  of  Address  Change.  You  will  notify  us  promptly  if  you  change  
your  address  for  any  reason.  In  order  to  prevent  identity  theft,  your  identity  
may need to be verified before we act upon the notification.

Copy  Received.  You  acknowledge  that  you  have  received  a  copy  of  this  
Agreement.

Governing Law.  This  Agreement  shall  be  construed  under  federal  law  and  
state law in the state in which we are primarily located, and the venue shall be 
located  in  the  county  and  state  in  which  we  are  primarily  located.  Operating  
regulations  of  Visa  may  also  apply.  This  Agreement  is  the  contract  that  
applies to all transactions even though the sales, cash advance, convenience 
check, credit or other slips you sign or receive may contain different terms.

NOTICE  TO  UTAH  BORROWERS:  This  written  agreement  is  a  final  
expression of the agreement between you and the Credit Union. This written 
agreement may not be contradicted by evidence of any oral agreement.

Termination;  Change-in-Terms.  We  may,  by  written  notice,  terminate  this  
Agreement  at  any  time,  subject  to  applicable  law.  You  may  terminate  this  
Agreement by written notice. Termination by either party shall not affect your 
obligation  to  repay  any  balance  on  your  account  resulting  from  use  of  the  
Card  as  well  as  Interest  Charges  and  fees  incurred.  We  may  change  the  
LASER FPDF FI19071 Rev 5-2019
terms of this Agreement, including the method of calculating the periodic rate, 

page 3 of 4

COPYRIGHT 2005 Securian Financial Group, Inc. All rights reserved.

IMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS:
The following applies if at the time this loan is made you are an active member of the military or a dependent (as those terms are defined in the Military 
Lending Act (MLA), 10 U.S.C. 987 and its implementing regulations (“MLA”)), and (a) your loan is unsecured or secured by personal property or a vehicle 
that you did not purchase with the proceeds of the loan; or (b) it is otherwise determined by law that the MLA applies to your loan. If this loan is a revolving 
line of credit or credit card, the MLA ceases to apply at any time during which you are not a member of the military or a dependent (as defined in the MLA).

1.

2.

3.

NOTICE: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. 
In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 
percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums or debt protection 
fees;  fees  for  ancillary  products  sold  in  connection  with  the  credit  transaction;  any  application  fee  charged  (other  than  certain  application  fees  for  
specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To receive 
this notice orally, please call 1-877-528-5376, 24 hours a day, 7 days a week.
This loan will not be secured by a consensual lien on shares or deposits in any of your accounts unless you agree to establish an account in connection 
with this loan (“Secured Account”). Only funds deposited into the Secured Account after the loan is made will secure this loan. Any cross-collateralization 
provision contained in your loan or account documents will not apply to the Secured Account or your other share or deposit accounts for any loan subject 
to the Military Lending Act.
However, we reserve our statutory lien rights and rights to set-off or administrative freeze under federal or state law, which gives us the right to apply the 
sums in the Secured Account or any other account(s) you have with us to satisfy your obligations under this loan.
Any reference in this consumer credit contract to the following are hereby inapplicable to your loan: (a) Mandatory arbitration; (b) Any requirement(s) to 
waive your rights to legal recourse under any applicable state or federal law; (c) Any demands or requirements construed as unreasonable notice from 
you in order to exercise your legal rights; or (d) Prepayment penalties.

4. Any provisions in your consumer credit contract, loan, security, or account agreements that are determined to be inconsistent with or contradictory to 
these disclosures or the MLA (as they may be changed or amended from time to time) are inapplicable with regard to this loan. However, all other terms 
and conditions of the consumer credit contract shall remain in full force and effect.

YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE

This notice tells you about your rights and our responsibilities under the 
Fair Credit Billing Act.

 What To Do If You Find A Mistake On Your Statement

 If you think there is an error on your statement, write to us at the address(es) 
listed on your statement.

 In your letter, give us the following information:

1.
 2.
 3.

Your name and account number.
 The dollar amount of the suspected error.
 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.

2.

Within 30 days of receiving your letter, we must tell you that we received 
your letter. We will also tell you if we have already corrected the error.
 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 Purchases

 If  you  are  dissatisfied  with  the  goods  or  services  that  you  have  purchased  
with  your  credit  card,  and  you  have  tried  in  good  faith  to  correct  the  problem  
with  the  merchant,  you  may  have  the  right  not  to  pay  the  remaining  amount  
due on the purchase.

 To use this right, all of the following must be true:

1.

2.

3.

The  purchase  must  have  been  made  in  your  home  state  or  within  100  
miles of your current mailing address, and the purchase price must have 
been  more  than  $50.  (Note:  Neither  of  these  are  necessary  if  your  
purchase was based on an advertisement we mailed to you, or if we own 
the company that sold you the goods or services.)
 You must have used your credit card for the purchase. Purchases made 
with  cash  advances  from  an  ATM  or  with  a  check  that  accesses  your  
credit card account do not qualify.
 You must not yet have fully paid for the purchase.

If  all  of  the  criteria  above  are  met  and  you  are  still  dissatisfied  with  the  
purchase, contact us in writing at the address(es) listed on your statement.

 While  we  investigate,  the  same  rules  apply  to  the  disputed  amount  as  
discussed  above.  After  we  finish  our  investigation,  we  will  tell  you  our  
decision. At that point, if we think you owe an amount and you do not pay, we 
may report you as delinquent.

LASER FPDF FI19071 Rev 5-2019

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COPYRIGHT 2005 Securian Financial Group, Inc. All rights reserved.