VISA CLASSIC/VISA PLATINUM
CONSUMER CREDIT CARD AGREEMENT
CUNA Mutual Group 1991, 2006, 09, 10, 12, 14 All Rights Reserved KMIZE0 (MXC503)-eInthisAgreement, "Agreement" means thisConsumer Credit Card Agreement. "Disclosure" means theCredit
Card Account Opening Disclosure. TheAccount Opening Disclosure isincorporated intothisConsumer Credit
Card Agreement andispartoftheAgreement. InthisAgreement thewords "you," "your," and"yours" mean
each andallofthose who agree tobebound bythisAgreement; "card" means theVisacredit card andany
duplicates, renewals, orsubstitutions theCredit Union issues toyou; "account" means your Visa credit card
line-of-credit account withtheCredit Union; and"Credit Union" means theCredit Union whose name appears on
this Agreement or anyone to whom the Credit Union transfers this Agreement.
1.USING YOUR ACCOUNT --Ifyouareapproved foranaccount, theCredit Union willestablish alineofcredit
foryou. Youagree thatyour credit limitisthemaximum amount (purchases, cash advances, finance charges,
plus"other charges") which youwillhave outstanding onyouraccount atanytime. Unless disclosed otherwise,
theCredit Union willnotallow advances overthecredit limit. IftheCredit Union hasaprogram whereby itallows
payment ofadvances thatexceed yourcredit limit, subject toafee,theCredit Union willprovide youwithnotice,
either orally, inwriting, orelectronically (notwithstanding therequirements oftheparagraph entitled "Statements
andNotices") explaining your right tooptintotheCredit Union's program whereby itwillhonor advance
requests over thecredit limit. Intheevent youoptintosuch aprogram, youagree totheterms ofsuch a
program. Youmayrequest anincrease inyourcredit limitonlybyamethod acceptable totheCredit Union. The
Credit Union mayincrease ordecrease yourcredit limit, refuse tomake anadvance and/or terminate youraccount
atanytimeforanyreason notprohibited bylaw.Ifyouarepermitted toobtain cash advances onyouraccount,
wemay, from timetotime, issue convenience checks toyouthatmaybedrawn onyouraccount. Convenience
checks maynotbeused tomake apayment onyouraccount balance. Ifyouuseaconvenience check, itwillbe
posted toyouraccount asacash advance. Wereserve theright torefuse topayaconvenience check drawn on
your account for any reason and such refusal shall not constitute wrongful dishonor.
Youmayrequest thatwestopthepayment ofaconvenience check drawn onyour account. Youagree topay
anyfeeimposed tostop apayment onaconvenience check issued onyour account. Youmaymake astop
payment request orally, ifpermitted, orinwriting. Your request must bemade withsufficient timeinadvance of
thepresentment ofthecheck forpayment togiveusareasonable opportunity toactonyourrequest. Inaddition,
your request must accurately describe thecheck including theexact account number, thepayee, anycheck
number thatmaybeapplicable, andtheexact amount ofthecheck. Ifpermitted, youmaymake astoppayment
request orally butsuch arequest willexpire after 14days unless youconfirm yourrequest inwriting within that
time. Written stoppayment orders areeffective onlyforsixmonths andmayberenewed foradditional sixmonth
periods byrequesting inwriting thatthestoppayment order berenewed. Wearenotrequired tonotify youwhen
astoppayment order expires. Ifwere-credit youraccount after paying acheck ordraft overavalid andtimely
stoppayment order, youagree tosignastatement describing thedispute withthepayee, toassign tousallof
yourrights against thepayee orother holders ofthecheck ordraft andtoassist usinanylegalaction. Youagree
toindemnify andholdusharmless from allcosts andexpenses, including attorney's fees, damages, orclaims,
related toourhonoring yourstoppayment request orinfailing tostoppayment ofanitemasaresult ofincorrect
information provided to us or the giving of inadequate time to act upon a stop payment request. 
2.USING YOUR CARD --Youunderstand thattheuseofyourcredit cardorcredit cardaccount willconstitute
acknowledgement ofreceipt andagreement totheterms oftheCredit Card Agreement andCredit Card Account
Opening Disclosure (Disclosure). Youmayuseyour card tomake purchases from merchants andothers who
accept your card. Thecredit union isnotresponsible fortherefusal ofanymerchant orfinancial institution to
honor yourcard. Ifyouwish topayforgoods orservices overtheInternet, youmayberequired toprovide card
number security information before youwillbepermitted tocomplete thetransaction. Inaddition, youmayobtain
cash advances from theCredit Union, from other financial institutions thataccept your card, andfrom some
automated teller machines (ATMs). (Not allATMs accept your card.) Ifthecredit union authorizes ATM
transactions withyourcard, itwillissue youapersonal identification number (PIN). Toobtain cashadvances from
anATM, youmust usethePINissued toyouforusewithyourcard. Youagree thatyouwillnotuseyourcard
foranytransaction thatisillegal under applicable federal, state, orlocal law.Even ifyouuseyour cardforan
illegal transaction, youwillberesponsible forallamounts andcharges incurred inconnection with the
transaction. Ifyouarepermitted toobtain cash advances onyour account, youmay alsouseyour card to
purchase instruments andengage intransactions thatweconsider theequivalent ofcash. Such transactions will
beposted toyouraccount ascash advances andinclude, butarenotlimited to,wiretransfers andmoney orders.
This paragraph shall not be interpreted as permitting or authorizing any transaction that is illegal.
3.PROMISE TOPAY --Youpromise topayallcharges (purchases, cash advances, balance transfers, useof
convenience checks oranyother charge) made toyour account byyouoranyone youauthorize touseyour
account. Youalsopromise topayallfinance charges andother charges added toyouraccount under theterms of
thisAgreement oranother agreement youmade withtheCredit Union. Ifthisisajointaccount, theparagraph on
JOINT ACCOUNTS also applies to your account. KMIZE0 (MXC503)-e4.PERIODIC RATES --Theperiodic rates applicable topurchases, cash advances, andbalance transfers are
disclosed ontheDisclosure thataccompanies thisAgreement. Anypenalty ratethatmaybeimposed forfailing to
make apayment bythepayment duedateisalsodisclosed ontheDisclosure. Anyratechange willbemade
pursuant toapplicable law.Iftherateforyouraccount isvariable, asindicated ontheaccompanying Disclosure,
theratecharged onpurchases, cash advances, balance transfers andanypenalty ratewillvaryperiodically as
disclosed intheDisclosure accompanying thisAgreement. Theinitial rateonyour account forcertain types of
transactions maybeanintroductory discounted rate(Introductory Rate) thatislower than theratethatwould
ordinarily apply forthattypeoftransaction. IfanIntroductory Rate applies toyour account, therates andthe
period oftime itwillbeeffective isshown ontheDisclosure accompanying thisAgreement. After the
Introductory Rate period expires, theperiodic ratewillautomatically increase totherates thatwould ordinarily
apply for that type of transaction based on the terms of this Agreement. 
5.FINANCE CHARGES --New purchases posted toyour account during abilling cycle willnotincur afinance
charge forthatbilling cycle. Finance charge begins toaccrue onthose purchases from thefirstdayofthenext
billing cycle, unless youpaidtheentire newbalance ontheprevious cycle's billing statement bythepayment due
dateofthatstatement. Toavoid anadditional finance charge onthebalance ofpurchases, youmust paythe
entire newbalance onthebilling statement bythepayment duedateofthatstatement. Afinance charge begins
toaccrue oncash advances from thedateyougetthecash advance orfrom thefirstdayofthebilling cycle in
which the cash advance is posted to your account, whichever is later (transaction date).
Thefinance charge iscalculated separately forpurchases andcash advances. Forpurchases, thefinance charge
iscomputed byapplying theperiodic ratetotheaverage daily balance ofpurchases. Tocalculate theaverage
daily balance ofpurchases, wetakethebeginning outstanding balance ofpurchases each dayandsubtract any
payments and/or credits thatweapply tothepurchase balance. (Wedonotaddinanypurchases posted during
thebilling cycle.) Thisgives usthedaily balance ofpurchases. Wethenaddallofthedaily balances ofpurchases
forthebilling cycle together anddivide thetotal bythenumber ofdays inthebilling cycle. Thisgives usthe
average daily balance of purchases.
Forcash advances, thefinance charge iscomputed byapplying theperiodic ratetotheaverage daily balance of
cash advances. Tocalculate theaverage daily balance ofcash advances, wetakethebeginning outstanding
balance ofcash advances each day,addinanynewcash advances, andsubtract anypayments and/or credits
thatweapply tothecash advance balance. Thisgives usthedaily balance ofcash advances. Wethenaddallof
thedailybalances ofcashadvances forthebilling cycle together anddivide thetotalbythenumber ofdays inthe
billing cycle. Thisgives ustheaverage daily balance ofcash advances. Balance transfers arecalculated inthe
same manner as cash advances.
6.FOREIGN TRANSACTIONS --Purchases andcash advances made inforeign currencies willbedebited from
youraccount inU.S.dollars. Theexchange ratebetween thetransaction currency andthebilling currency used
forprocessing international transactions isarateselected byVisafrom arange ofrates available inwholesale
currency markets fortheapplicable central processing date, which ratemayvaryfrom therateVisaitself receives
orthegovernment-mandated rateineffect fortheapplicable central processing date. Theexchange rateused on
theprocessing date maydiffer from theratethatwould have been used onthepurchase date orcardholder
statement posting date. 
Afee(finance charge), calculated inU.S.dollars, willbeimposed onallforeign transactions, including purchases,
cash advances andcredits toyour account. Aforeign transaction isanytransaction thatyoucomplete ora
merchant completes onyour cardoutside oftheUnited States, withtheexception ofU.S.military bases, U.S.
territories, U.S. embassies orU.S. consulates. TheForeign Transaction Feeissetforth ontheDisclosure
accompanying this Agreement.
7.FEES --Inaddition totheperiodic rate, thefollowing additional feesmaybeimposed onyour account. If
applicable toyouraccount, thefeeamounts andexplanations aredisclosed ontheDisclosure accompanying this
Agreement. Your account mayalsobesubject toadditional feesassetforth ontheDisclosure accompanying this
Agreement.
a.Cash Advance Fee(Finance Charge). Ifyouraccount issubject toaCash Advance Fee(finance charge), the
feewillbecharged toyour account when youobtain acash advance from anATM, theCredit Union orother
financial institution. 
b.Foreign Transaction Fee(Finance Charge). Ifyour account issubject toaForeign Transaction Fee(finance
charge), afeemaybecharged toyouraccount fortransactions made outside oftheUnited States orinaforeign
currency. 
c.LatePayment Fee.Ifyouraccount issubject toaLatePayment Fee,thefeewillbecharged toyouraccount
when youdonotmake therequired minimum payment byorwithin thenumber ofdays ofthestatement Payment
Due Date set forth on the Disclosure accompanying this Agreement.
d.Returned Payment Fee.Ifyouraccount issubject toaReturned Payment Fee,thefeewillbecharged toyour
account when a payment is returned for any reason.
e.Returned Convenience Check Fee.Ifyouraccount issubject toaReturned Convenience Check Fee,thefee
will be charged to your account when a convenience check is returned for any reason. f.Rush Fee.Ifyouraccount issubject toaRush Fee,except aslimited byapplicable law,afeemaybecharged
toyouraccount foreach rushcardthatyourequest, providing delivery ofthecardisalsoavailable bystandard
mail service, without paying a fee for delivery.
g.Pay-by-Phone Fee.Ifyour account issubject tothePay-by-Phone Fee,afeewillbecharged foreach time
you make a payment by telephone as disclosed on the Disclosure accompanying this Agreement.
8.PAYMENTS --Each month youmust payatleast theminimum payment shown onyour statement bythe
datespecified onthestatement. Youmaypaymore frequently, paymore thantheminimum payment orpaythe
total new balance infull.Ifyoumake extra orlarger payments, youarestillrequired tomake atleast the
minimum payment each month your account hasabalance (other than acredit balance). ForourVisaClassic
card, theminimum payment is3.00% ofyour total newbalance, or$25.00, whichever isgreater, plusthe
amount ofanyprior minimum payments thatyouhave notmade, alloutstanding unpaid feesandcharges, and
anyamount youareoveryourcredit limitbythedatespecified onthestatement. ForourVisaPlatinum card, the
minimum payment is3.00% ofyourtotalnewbalance, or$25.00, whichever isgreater, plustheamount ofany
priorminimum payments thatyouhave notmade, alloutstanding unpaid feesandcharges, andanyamount you
areoveryourcredit limitbythedatespecified onthestatement. TheCredit Union alsohastheright todemand
immediate payment ofanyamount bywhich youareoveryourcredit limit. Inaccordance withapplicable law,
theCredit Union maynotpostpayments toyouraccount orreflect them inyouravailable credit limitonthedate
theyarereceived. TheCredit Union maydelay replenishing yourcredit limituntilthedatethepayment isposted
or the Credit Union confirms the payment has cleared. 
9.PAYMENT ALLOCATION --Subject toapplicable law,yourpayments maybeapplied towhat youowethe
Credit Union inanymanner theCredit Union chooses. However, inevery case, intheevent youmake apayment
inexcess oftherequired minimum periodic payment, theCredit Union willallocate theexcess amount firsttothe
balance withthehighest annual percentage rateandanyremaining portion totheother balances indescending
order based on applicable annual percentage rate. 
10.SECURITY INTEREST --Yougrant theCredit Union asecurity interest under theUniform Commercial Code
andunder anycommon lawrights theCredit Union mayhave inanygoods youpurchase. IfyougivetheCredit
Union aspecific pledge ofshares bysigning aseparate pledge ofshares, yourpledged shares willsecure your
account. Youmaynotwithdraw amounts thathave been specifically pledged tosecure your account untilthe
Credit Union agrees to release all or part of the pledged amount. 
Collateral securing other loans youhave withtheCredit Union mayalsosecure thisloan, except thatadwelling
willnever beconsidered assecurity forthisaccount, notwithstanding anything tothecontrary inanyother
agreement. 
11.DEFAULT --Youwillbeindefault ifyoufailtomake anyminimum payment orother required payment by
thedatethatitisdue.Youwillbeindefault ifyoubreak anypromise youmake under thisAgreement. Youwill
beindefault ifyoudie,fileforbankruptcy orbecome insolvent, thatis,unable topayyour obligations when
theybecome due.Youwillbeindefault ifyoumake anyfalse ormisleading statements inanycredit application
orcredit update. You willalso beindefault ifsomething happens that theCredit Union believes may
substantially reduce your ability to repay what you owe.
When youareindefault, theCredit Union hastheright todemand immediate payment ofyour fullaccount
balance without giving younotice. Ifimmediate payment isdemanded, youagree tocontinue paying finance
charges attheperiodic ratecharged before default, untilwhat youowehasbeen paid, andanyshares thatwere
given as security for your account may be applied towards what you owe.
12.LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION --You agree tonotify us
immediately, orally orinwriting, atPOBox30495, Tampa, FL33630 ortelephone (800) 991-4961 seven days
aweek, 24hours adayor(800) 433-0505 seven days aweek, 24hours aday, oftheloss, theft, or
unauthorized useofyourcredit card. Youmaybeliable fortheunauthorized useofyourcredit card. Youwillnot
beliable forunauthorized usethatoccurs afteryounotify usoftheloss, theft, orpossible unauthorized use.You
willhave noliability forunauthorized transactions made withyourcredit card, unless youaregrossly negligent in
the handling of your card. In any case, your liability will not exceed $50.00.
13.CHANGING ORTERMINATING YOUR ACCOUNT --Aspermitted bylaw,theCredit Union maychange the
terms ofthisAgreement andanyattached Disclosure from timetotime. Notice ofanychange willbegiven in
accordance withapplicable law.Ifpermitted bylawandspecified inthenotice toyou,thechange willapply to
your existing account balance as well as to future transactions.
Either youortheCredit Union mayterminate thisAgreement atanytime, buttermination byyouortheCredit
Union willnotaffect your obligation topaytheaccount balance plusanyfinance andother charges youowe
under this Agreement. Your obligation to pay the account balance plus any finance and other charges you owe 
KMIZE0 (MXC503)-eYour Account issecured byallother shares youhave inanyindividual orjointaccount withtheCredit Union,
except forshares inanIndividual Retirement Account orinanyother account thatwould losespecial tax
treatment under state orfederal lawifgiven assecurity. These other shares maybewithdrawn unless youare
indefault under thisagreement. Youauthorize theCredit Union toapply thebalance inyourindividual orjoint
share accounts to pay any amounts due on your Account if you should default. under thisagreement aresubject toallapplicable lawsandregulations regarding repayment requirements. Youare
also responsible foralltransactions made toyour account after termination, unless thetransactions were
unauthorized.
Thecardorcards youreceive remain theproperty oftheCredit Union andyoumust recover andsurrender tothe
Credit Union allcards upon request orupon termination ofthisAgreement whether byyouortheCredit Union. If
thisisajointaccount, theparagraph onJOINT ACCOUNTS ofthisAgreement alsoapplies totermination ofthe
account. 
14.CHANGING ORTERMINATING AUTHORIZED USERS --Upon yourrequest, wemayissue additional cards for
authorized users thatyoudesignate. Youmust notify usinwriting ofanytermination ofanauthorized user's right
toaccess your account. Your letter must include thename oftheauthorized user andyour account number
and/or anysubaccount number issued totheauthorized user along with theauthorized user's card andany
convenience orother access checks issued totheauthorized user. Ifyoucannot return theauthorized user's card
oraccess checks andifyourequest youraccount tobeclosed, wewillclose youraccount andyoumayapply for
a new account.
15.CREDIT REVIEW AND RELEASE OFINFORMATION --Youauthorize theCredit Union toinvestigate your
credit standing when opening orreviewing youraccount. Youauthorize theCredit Union todisclose information
regarding youraccount tocredit bureaus andcreditors whoinquire about yourcredit standing. Ifyouraccount is
eligible foremergency cash and/or emergency card replacement services, andyourequest such services, you
agree thatwemayprovide personal information about youandyour account thatisnecessary toprovide you
with the requested service(s).
16.RETURNS AND ADJUSTMENTS --Merchants andothers whohonor yourcardmaygivecredit forreturns or
adjustments, andtheywilldosobysending theCredit Union acredit slipwhich willbeposted toyouraccount. If
your credits andpayments exceed what youowetheCredit Union, theamount willbeapplied against future
purchases andcash advances. Ifthecredit balance amount is$1.00 ormore, itwillberefunded upon your
written request or automatically after six months.
17.ADDITIONAL BENEFITS/CARD ENHANCEMENTS --TheCredit Union mayfrom timetotimeoffer additional
services toyouraccount, such astravel accident insurance, atnoadditional costtoyou.Youunderstand thatthe
Credit Union is not obligated to offer such services and may withdraw or change them at any time.
18.MERCHANT DISPUTES --TheCredit Union isnotresponsible fortherefusal ofanymerchant orfinancial
institution tohonor yourcard. TheCredit Union issubject toclaims anddefenses (other thantortclaims) arising
outofgoods orservices youpurchase withthecardifyouhave made agood faithattempt buthave been unable
toobtain satisfaction from themerchant orservice provider, and(a)yourpurchase wasmade inresponse toan
advertisement theCredit Union sent orparticipated insending toyou; or(b)your purchase cost more than
$50.00 and was made in your state or within 100 miles of your home.
19.JOINT ACCOUNTS --Ifthisisajoint account, each ofyouwillbeindividually andjointly responsible for
paying allamounts owed under thisAgreement. Thismeans thattheCredit Union canrequire anyoneofyou
individually torepay theentire amount owed under thisAgreement. Each ofyouauthorizes theother(s) tomake
purchases orcash advances individually. Anyoneofyoumayterminate theaccount andthetermination willbe
effective as to all of you.
20.EFFECT OFAGREEMENT --ThisAgreement isthecontract which applies toalltransactions onyouraccount
even though the sales, cash advances, credit or other slips you sign or receive may contain different terms.
21.NOWAIVER --TheCredit Union candelay enforcing anyofitsrights anynumber oftimes without losing
them.
22.STATEMENTS AND NOTICES --Statements andnotices willbemailed ordelivered toyouattheappropriate
address you have given the Credit Union. Notice sent to any one of you will be considered notice to all. 
23.SEVERABILITY AND FINAL EXPRESSION --ThisAgreement andtheDisclosure arethefinalexpression ofthe
terms andconditions ofyour account. This written Agreement andDisclosure may notbecontradicted by
evidence ofanyalleged oralagreement. Should anypartofthisAgreement ortheDisclosure befound tobe
invalid orunenforceable, allother parts ofthisAgreement andDisclosure shall remain ineffect andfully
enforceable to the fullest extent possible under this Agreement.
24.COPY RECEIVED --Youacknowledge thatyouhave received acopy ofthisAgreement andDisclosure.
25.GAMBLING TRANSACTIONS PROHIBITED --Youmaynotuseyour card toinitiate anytype ofgambling
transaction.
26.PENALTY RATE DISCLOSURES --Ifapplicable toyour account, allrates foryour account, including the
rates forpurchases, cash advances, andbalance transfers, willincrease tothePenalty Ratewhen youmeet one
ormore oftheconditions assetforth intheDisclosure accompanying thisAgreement. Anyrateincreases applied
toyour account aresubject toapplicable notice requirements. Please refer totheDisclosure foradditional
information regarding the Penalty Rate.
KMIZE0 (MXC503)-e KMIZE0 (MXC503)-eThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.Your Billing Rights: Keep this Document for Future Use27.NOTICE TOUTAH BORROWERS --Thiswritten agreement isafinalexpression oftheagreement between
you and the Credit Union. This written agreement may not be contradicted by evidence of any oral agreement.
28.THEFOLLOWING ISREQUIRED BYVERMONT LAW --NOTICE TOCO-SIGNER --YOUR SIGNATURE ON
THIS NOTE MEANS THAT YOU AREEQUALLY LIABLE FORREPAYMENT OFTHIS LOAN. IFTHEBORROWER
DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.
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 listed on your statement.
In your letter, give us the following information:
-Account information: Your name andaccount number.
-Dollar amount: Thedollar amount ofthesuspected error.
-Description ofproblem: Ifyouthink there isanerror onyourbill,describe what youbelieve iswrong 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.
Youmust notify usofanypotential errors inwriting orelectronically. Youmaycallus,butifyoudowearenot
required to investigate any potential errors and you may have to pay the amount in question.
What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:
1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell 
you if we have already corrected the error.
2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we 
believe the bill is correct. 
While we investigate whether or not there has been an error:
- We cannot try to collect the amount in question, or report you as delinquent on that amount.
- The charge in question may remain on your statement, and we may continue to charge you interest on 
that amount.
- While you do not have to pay the amount in question, you are responsible for the remainder of your 
balance.
- We can apply any unpaid amount against your credit limit. 
After we finish our investigation, one of two things will happen:
-Ifwemade amistake: Youwillnothave topaytheamount inquestion oranyinterest orother fees
related to that amount.
-Ifwedonotbelieve there wasamistake: Youwillhave topaytheamount inquestion, 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. 
Ifyoureceive ourexplanation butstillbelieve yourbilliswrong, youmust write touswithin 10days telling us
thatyoustillrefuse topay.Ifyoudoso,wecannot report youasdelinquent without alsoreporting thatyouare
questioning your bill.Wemust tellyouthename ofanyone towhom wereported youasdelinquent, andwe
must let those organizations know when the matter has been settled between us.
Ifwedonotfollow alloftherules above, youdonothave topaythefirst$50oftheamount youquestion even
if your bill is correct.
Your Rights if You Are Dissatisfied With Your Credit Card Purchases
Ifyouaredissatisfied withthegoods orservices thatyouhave purchased withyourcredit card, andyouhave
tried ingood faith tocorrect theproblem with themerchant, youmayhave theright nottopaytheremaining
amount due on the purchase. To use this right, all of the following must be true:
1. The purchase must have been made in your home state or within 100 miles of your current mailing 
address, and the 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.)
2. 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.
3. You must not yet have fully paid for the purchase.
Ifallofthecriteria above aremetandyouarestilldissatisfied with thepurchase, contact usinwriting or
electronically at the address listed on your statement.
While weinvestigate, thesame rules apply tothedisputed amount asdiscussed above. After wefinish our
investigation, wewilltellyouourdecision. Atthatpoint, ifwethink youoweanamount andyoudonotpay,we
may report you as delinquent.
KMIZE0 (MXC503)-e