credit union of denver mobile wallet service terms and ... · mobile wallet terms and conditions:...

Credit Union of Denver Mobile Wallet Service Terms and Conditions and Privacy Policy for Adding Your Credit Union of Denver Credit or Debit Card to Mobile Wallet Services (Retain for your records).

Credit Union of Denver

Mobile Wallet Terms and Conditions: These Terms and Conditions (the “Terms”) apply when you choose to add a Credit Union of Denver credit card or debit card (“Credit Union of Denver card(s)”) to a Mobile Wallet Service. In these Terms, “you”, “your”, “their”, and “my” refer to the cardholder of the Credit Union of Denver card(s), and “we,” “us,” “our,” and “Credit Union of Denver” refer to the issuer of your Credit Union of Denver card(s). By selecting “agree”, while setting up your Mobile Wallet Service, authorizes, “I have read, and I understand and agree to the Credit Union of Denver Mobile Wallet Service Terms and Conditions,” you agree to all terms, conditions, and notices contained or referenced in these Terms and you are providing your express consent. The storage and usage of your payment card number and credentials corresponding to your payment card number in a Mobile Wallet Service is subject to the terms and conditions of the cardholder agreement with Credit Union of Denver. If your phone or device is lost, stolen or compromised, please contact Credit Union of Denver immediately at 303.239.1150.

What is a Mobile Wallet Service? A Mobile Wallet Service (“Wallet”) allows you to add your Credit Union of Denver card(s) to an application using your Mobile Device. Your Credit Union of Denver card(s) number(s) is replaced with a digital number or token. Once added, you understand that you may use your Mobile Device to make payments only where the Wallet is accepted. Credit Union of Denver is not a provider of the Wallet and we are not responsible for any failure or inability to perform a transaction using the Wallet. We are only responsible for supplying information securely to the Wallet provider to allow usage of the Credit Union of Denver card(s) in the Wallet.

Eligibility: Active Credit Union of Denver card accounts that are in good standing are eligible to be added to a Wallet. If your Credit Union of Denver card(s) or any underlying Credit Union of Denver account becomes delinquent, is in a negative status or is otherwise maintained in an unsafe manner as determined by Credit Union of Denver in its sole discretion, your Credit Union of Denver card(s) may be removed by Credit Union of Denver from the Wallet for continued use.

Relationship to Other Agreements: You agree that when you add your Credit Union of Denver card(s) to a Wallet service, your Credit Union of Denver card(s) and account will remain subject to the terms and conditions of all existing agreements with Credit Union of Denver. You acknowledge that certain message and data rates may apply from your wireless service providers and/or wireless carriers which might impact your use of the Wallet. For example, your mobile service carrier or provider may impose data usage or text charges for your use of or interaction with the Wallet, including downloading the software, receiving or sending text messages, or other use of your mobile device when using the software or other products and services provided by the Wallet. You expressly agree that you are responsible for all such fees, limitations, and restrictions and we may contact you via your mobile device for any purpose concerning your accounts at Credit Union of Denver, including account servicing and collection purposes.

Account Ownership/Accurate Information: You represent that you are the legal owner of the account and other financial information which may be accessed via the Wallet. You represent and agree that all information you provide in connection with the Wallet is accurate, current, and complete, and that you have the right to provide

such information to us for the purpose of operating the Wallet. You agree not to misrepresent your identity or your account information.

Measures to maintain your privacy and security once you have added your Credit Union of Denver card(s) to a Wallet service: Credit Union of Denver is responsible for securely transmitting your information to your Wallet service provider. Your information is only sent through secure channels. You agree that we may share your information with the Wallet provider, a payment network, and others in order to provide the services you have requested, to make information available to you about your Credit Union of Denver card(s) transactions, and to improve our ability to offer these services. We do not control the privacy and security of your information that may be held by the Wallet provider and that is governed by the privacy policy given to you by the Wallet provider. You agree not to leave your Mobile Device unattended while logged into the Wallet and to log off immediately at the completion of each access by you. You agree not to provide your password or other access information to any other person. If you believe that someone may have unauthorized access to your Mobile Device, you agree to immediately cancel your access to the Wallet associated with the Mobile Device. You agree to provide us with immediate notice in the event you suspect fraud or any unauthorized access to any of your accounts. You agree to comply with all applicable laws, rules and regulations in connection with your Credit Union of Denver card(s).

You agree to take every precaution to ensure the safety, security and integrity of your account and transactions when using the Wallet.

We may in some cases make individually identifying information available only in the following circumstances: where ordered by a court or other legal body or where it is lawfully permitted or required; where we have agreed to provide information under contracts to vendors and partners to make products and services available to our members; or where the member has requested or consents to the disclosure of information. In those cases where we disclose information to outside vendors, we require that they use it for no purposes other than providing previously specified services to our members.

Changes in these Terms and Conditions: Except as otherwise required by law, Credit Union of Denver may in its sole discretion change these terms, and modify or cancel the eligibility to use your Credit Union of Denver card(s) with a Wallet service at any time, without notice. You cannot change these terms but you can terminate them by removing your Credit Union of Denver card(s) from the Wallet. Credit Union of Denver reserves the right to refuse any transaction for any reason.

Exclusion of Warranties; Limitation of Liability; Indemnification

YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF A MOBILE WALLET SERVICE IS AT YOUR SOLE RISK. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE WALLET IS OBTAINED AT YOUR OWN DISCRETION AND RISK, AND CREDIT UNION OF DENVER IS NOT RESPONSIBLE FOR ANY DAMAGE TO YOUR MOBILE DEVICE OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL, WHETHER DUE TO ANY COMPUTER VIRUS OR OTHERWISE. CREDIT UNION OF DENVER MAKES NO REPRESENTATION OR WARRANTY AS TO THE COMPLETENESS, ACCURACY, RELIABILITY, OR CURRENCY OF ANY INFORMATION OR DATA THAT YOU OBTAIN THROUGH THE USE OF A WALLET.

Fees

Copyright Oak Tree Business Systems, Inc., 2012-2014. All Rights Reserved. OTBS 016 FRB_Web CUDE (12/14)Page 1 of 4

Returned PaymentLate Payment

For MasterCard, 1.00% of each transaction in U.S. dollars.

P.O. Box 2614209305 West Alameda AvenueLakewood, Colorado 80226-9420

How We Will Calculate Your Balance: For MasterCard, We use a method called "average daily balance (including newpurchases)." For all other Feature Categories, We use a method called "daily balance." In all cases see Your Agreementfor details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in Your AccountAgreement.

Foreign Transaction

Penalty Fees

Transaction Fees

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CREDIT LINE ACCOUNTAGREEMENT AND DISCLOSURE

THIS IS YOUR CREDIT LINE ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN-LENDING DISCLOSURESTATEMENTS, MASTERCARD SECURED AND MASTERCARD PLATINUM AGREEMENTS, AND ANY SPECIAL INSTRUCTIONSREGARDING THE USE OF YOUR MASTERCARD SECURED AND MASTERCARD PLATINUM CREDIT CARDS, AND/OR ANY OTHERACCOUNT ACCESS DEVICE. PLEASE BE CERTAIN TO READ THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANYPARTS ARE UNCLEAR.

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In this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean CREDIT UNION OF DENVER. The words "You" and "Your" meaneach person accepting this Agreement. If this is a joint Account, read singular pronouns in the plural. The words "Card" and "Credit Card" mean anyMasterCard Secured or MasterCard Platinum Credit Card issued to You by Us and any duplicates or renewals.

APR for BalanceTransfers

APR for Cash Advances

Paying Interest

Annual Percentage Rate(APR) For Purchases

This APR will vary with the market based on the Prime Rate.

MasterCard Secured - _________%

MasterCard Secured - __________%

For MasterCard, We will not charge You interest on purchases if You pay Your entirebalance owed each month within 25 days of Your statement closing date. We will begincharging interest on cash advances and balance transfers on the transaction date.

For all other Feature Categories, You will be charged interest from the transaction date.

Interest Rate and Interest Charges

For Credit Card Tips fromthe Consumer FinancialProtection Bureau

To learn more about factors to consider when applying for or using a Credit Card, visit thewebsite of the Consumer Financial Protection Bureau athttp://www.consumerfinance.gov/learnmore.

MasterCard Platinum - ________%

MasterCard Platinum - __________%


MasterCard Secured - __________%

MasterCard Platinum - _________%


Overdraft Line of Credit - ________________%




For MasterCard, up to $9.00For MasterCard, up to $15.00Except MasterCard, $15.00

ADVANCES. Whenever You request a transaction, We may require Youto prove Your identity. Advances made on Your Account will beprocessed according to the instructions You give Us (such as by wiretransfer, direct transfer to Your Credit Union account or by other suchmeans) and You authorize Us to do this, or We may draw a draft orcheck made payable to You and mail it to You. When the amountadvanced appears on a subsequent statement, that will be conclusiveevidence of Your advance request unless You notify Us that Youdisagree with any such item appearing on Your periodic statementaccording to the provision of this Agreement titled "Your Billing Rights:Keep this Document for Future Use". You understand that whether ornot any specific secured advance request is approved may bedetermined by how much equity You have or will have in the sharesand/or certificates offered as security.

SECURITY. As permitted by law, to secure all transactions under thisAgreement in either joint or individual Accounts, We have the right toimpress and enforce a statutory lien against Your shares on deposit withUs (other than those deposits established under a governmentalapproved tax deferral plan such as an IRA or Keogh account), and anydividends due or to become due to You from Us to the extent that Youowe on any unpaid balance on Your Account and We may enforce Ourright to do so without further notice to You. Additionally, You agree thatWe may set-off any mutual indebtedness.

You acknowledge that You own any certificates, shares and/orCollateral pledged as security and that there are no other liens againstthem other than Ours. You agree to perform all acts which arenecessary to make Our security interest in the certificates, shares and/orCollateral being pledged enforceable.

For advances under any Feature Category that is secured by certificates,all certificates which are pledged as Collateral must be renewed untilYour outstanding balance is paid in full. Failure to renew any certificatessecuring any advance will cause Your entire outstanding balance tobecome immediately due and payable.

OTHER SECURITY. Collateral (other than household goods or anydwelling) given as security under this Agreement or for any other loanYou may have with Us will secure all amounts You owe Us now and inthe future if that status is reflected in the "Truth-in-Lending Disclosure"in any particular Agreement evidencing such debt.

CONSENSUAL LIEN ON SHARES. If You have been issued a debit Cardor Credit Card, You grant and consent to a lien on Your shares with Us(except for IRA and Keogh accounts) and any dividends due or tobecome due to You from Us to the extent You owe on any unpaid CreditCard balance and/or Overdraft Line of Credit balance created throughthe use of Your debit Card.

ACCOUNT RESTRICTIONS. In order to receive and maintain aMasterCard Secured Feature Category, You agree to give Us a specificpledge of shares which will equal Your Credit Limit. In the event thatYou default on Your MasterCard Secured Feature Category, We mayapply these shares toward the repayment of any amount owed on suchFeature Category. You may cancel Your MasterCard Secured FeatureCategory at any time by paying any amounts owed on that FeatureCategory. To be certain that Your entire balance and all advances arepaid, any shares pledged may not be available to You for 30 days afterYou have cancelled and any outstanding balance is paid in full.

You, as the Borrower, under a Credit Line Account ("Account"), understand that the following Federal Disclosure Statement and the terms andconditions found herein constitute Our Agreement with You. You may request advances on Your Account through a variety of means which couldinclude (but may not be limited to) telephonic requests, advance request forms, vouchers, checks, charge slips, Check Cards, Credit Cards, wiretransfers, direct transfers and/or wire transfers to specific payees identified by You, direct transfers to Your Share/Share Draft or other Credit Unionaccount and the like. Regardless of the means by which any advance is made, You promise to pay Us all amounts charged to Your Account by You orby any user who has access to Your Account, with actual, apparent or implied authority for use of Your Account, including Finance Charges and otherfees or charges described herein.

FEATURE CATEGORIES. Your Account has Feature Categories which may include Overdraft Line of Credit, MasterCard Secured and MasterCardPlatinum.

LINE OF CREDIT LIMITS. You will be notified of each specific CreditLimit for each Feature Category for which You are approved. UnlessYou are in default, any Credit Limits established for You will generallybe self-replenishing as You make payments.

You will keep Your unpaid balance within Your Credit Limit set by Us,and You will pay any amount over Your Credit Limit on Our demandwhether or not We authorize the advances which caused You to exceedYour Credit Limit. Even if Your unpaid balance is less than Your CreditLimit, You will have no credit available during any time that any aspectof Your Account is in default.

JOINT ACCOUNTS. Each Borrower will be responsible, jointly andseverally, for the repayment of any amounts owed. If any Accountaccess device, such as a Personal Identification Number (PIN) isrequested and approved, You understand that any such Account accessdevice(s) will be mailed only to the primary Borrower at the address thatWe have on file for You. We may refuse to follow any instructionswhich run counter to this provision.

MINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though Youneed only pay the Minimum Monthly Payments, You understand thatYou have the right to repay at any time without penalty. You alsounderstand that You will only be charged periodic Finance Charges tothe date You repay Your entire balance. You may make larger paymentswithout penalty. Any partial payment or prepayment will not delay Yournext scheduled payment. All payments to Us must be in lawful moneyof the United States. We may apply each payment to whichever FeatureCategory We wish. For all Feature Categories (except MasterCard),payments will be applied first to any Late Charges owing, then to theFinance Charge due, then to the outstanding principal balance. Exceptas required by law, We may apply MasterCard payments in an order ofOur choosing.

Any unpaid portion of the Finance Charge will be paid by subsequentpayments and will not be added to Your principal balance. Youunderstand that any delay in the repayment of Your unpaid balancewill increase Your periodic Finance Charges and any acceleration inthe repayment of Your unpaid balance will decrease Your periodicFinance Charges.

Overdraft Line of Credit Minimum Monthly Payments will be an amountequal to 5.00% of Your Credit Limit, subject to the lesser of $25.00 orYour balance.

MasterCard Secured, and MasterCard Platinum Minimum Payments willbe an amount equal to 2.00% of Your new unpaid MasterCard Secured,or MasterCard Platinum balance at the end of each billing cycle, subjectto the lesser of $15.00 or Your balance, plus any portion of theMinimum Payments shown on prior statement(s) which remains unpaid,plus any amount that exceeds Your approved Credit Limit.

You may, by separate agreement, authorize Us to charge Your paymentdirectly to Your share or share draft account.

LATE CHARGE (EXCEPT MASTERCARD). If Your payment is more than10 days past due, You will be charged $15.00.

FINANCE CHARGES (EXCEPT MASTERCARD). A Finance Charge will beassessed on any unpaid principal balance for each Feature Category of

ANNUALPERCENTAGE

RATEDaily

PeriodicRate

Overdraft Line of Credit

MasterCard Secured

MasterCard Platinum

Feature Category

___________%

___________%

___________%

___________%

___________%

___________%

Variable Rate

Index Margin

__________

__________

__________

__________



against any of Your property or rights, specifically including anyonestarting an action or proceeding to seize any of Your funds on depositwith Us; and/or (e) We should, in good faith, believe Your ability torepay Your indebtedness hereunder is or soon will be impaired, timebeing of the very essence.

Upon any occurrence of default, We may, to the extent permitted bylaw, cancel Your rights under this Agreement, require the return ofall access devices and declare the entire balance of every FeatureCategory of Your Account immediately due and payable, without priornotice or demand.

COLLECTION COSTS. In the event collection efforts are required toobtain payment on this Account, to the extent permitted by law, Youagree to pay all court costs, private process server fees, investigationfees or other costs incurred in collection and reasonable attorneys' feesincurred in the course of collecting any amounts owed under thisAgreement or in the recovery of any Collateral.

ENFORCEMENT. We do not lose Our rights under this or any relatedagreement if We delay enforcing them. We can accept latepayments, partial payments or any other payments, even if they aremarked "paid in full" without losing any of Our rights under thisAgreement. If any provision of this or any related agreement isdetermined to be unenforceable or invalid, all other provisions remain infull force and effect.

NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly ifYou move or otherwise have a change of address.

CHANGE IN TERMS. We may change the terms of this Agreement bymailing or delivering to You written notice of the changes as prescribedby the Federal Truth-In-Lending Act. To the extent permitted by law, theright to change the terms of this Agreement includes, but is not limitedto, the right to change the periodic rate applicable to Your unpaidbalance and/or future advances.

CREDIT INSURANCE. Credit insurance is not required for any extensionof credit under this Agreement. However, You may purchase any creditinsurance available through Us and have the premiums added to Youroutstanding balance. If You elect to do so, You will be given thenecessary disclosures and documents separately.

INTEGRATED DOCUMENTS. Any separate sheet of paper labeled"Additional Disclosure - Federal Truth-In-Lending Act", and/or "CreditLine Account Advance Request and Security Agreement" which isdelivered together with this Agreement or at a later date becomes anintegrated part of this Agreement and Disclosure.

CONSENT TO AGREEMENT. You acknowledge receipt of a copy of thisAgreement. By signing the application; or by using Your Account or anyAccount access device; or by authorizing another to use Your Account,You agree to and accept its terms.

UPDATING AND DISCLOSING FINANCIAL INFORMATION. You willprovide facts to update information contained in Your original Accountapplication or other financial information related to You, at Our request.You also agree that We may, from time to time, as We deem necessary,make inquiries pertaining to Your employment, credit standing andfinancial responsibility in accordance with applicable laws andregulations. You further agree that We may give information about thestatus and payment history of Your Account to consumer creditreporting agencies, a prospective employer or insurer, or a state orfederal licensing agency having any apparent legitimate business needfor such information.

TERMINATION. Either You or We may cancel Your Account or anyparticular Feature Category of Your Account, at any time, whether ornot You are in default. You will, in any case, remain liable to pay anyunpaid balances according to the terms of Your Account.

GOVERNING LAW. This Agreement is controlled and governed by thelaws of the State of Colorado except to the extent that such laws areinconsistent with controlling federal law.

USE OF YOUR CARD. You may use Your Card to buy goods andservices in any place that it is honored and to get cash advances atparticipating financial institutions. You agree not to use Your Card forillegal transactions including, but not limited to, advances made for thepurpose of gambling and/or wagering where such practices are inviolation of applicable state and/or federal law.

OWNERSHIP. Your Card remains Our property and may be cancelled byUs at any time without notice. You agree to surrender Your Card and todiscontinue its use immediately upon Our request.

ISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will issue,upon Your request, a Personal Identification Number (PIN) for use with

Your Account for the period such balance is outstanding. Balanceschange each time advances are made, payments are made or creditsgiven under any Feature Category. The Finance Charge begins to accrueon the date of each advance and there is no grace period.

HOW TO DETERMINE THE FINANCE CHARGE (EXCEPT MASTERCARD).For all Feature Categories (except MasterCard), the Finance Charge isdetermined by multiplying Your unpaid balance at the close of each dayin the billing cycle being accounted for by the applicable Daily PeriodicRate. The unpaid balance is the balance each day after payments,credits, and unpaid Finance Charges to that balance have beensubtracted and any new advances, insurance premiums or othercharges have been added to Your unpaid balance. These daily FinanceCharges are then added together and the sum is the amount of theFinance Charge owed for the Feature Category being accounted for.The total Finance Charge You owe on Your Account for each billingcycle is the sum of all the Finance Charges due for all applicableFeature Categories.

MASTERCARD FINANCE CHARGES. In the case of any transactionsunder Your MasterCard Secured and MasterCard Platinum FeatureCategories, the balances subject to the periodic Finance Charge are theaverage daily transactions balances outstanding during the month(including new transactions). To get the average daily balance, We takethe beginning balance of Your Account each day, add any newpurchases, cash advances, balance transfers, insurance premiums, debitadjustments or other charges and subtract any payments, credits andunpaid Finance Charges. This gives Us the daily balance. Then, We addup all the daily balances for the billing cycle and divide them by thenumber of days in the billing cycle. The Finance Charge for a billingcycle is computed by multiplying the average daily balance subject to aFinance Charge by the Daily Periodic Rate times the number of days inthe billing cycle.

You can avoid Finance Charges on purchases by paying the full amountof the entire balance owed each month within 25 days of Yourstatement closing date. Otherwise, the new balance of purchases, andsubsequent purchases from the date they are posted to Your Account,will be subject to a Finance Charge. Cash advances and balancetransfers are always subject to a Finance Charge from the later of thedate they are posted to Your Account or from the first day of the billingcycle in which such transaction is posted to Your Account.

MASTERCARD VARIABLE RATE. MasterCard advances are subject to aVariable Rate which is based on the highest Prime Rate as published inthe Money Rates Section of The Wall Street Journal in effect on the lastday of May and November of each year ("Index") plus Our Margin. TheIndex plus the Margin equals the Interest Rate. Changes in the Index willcause changes in the Interest Rate on the 1st day of the billing cycle inJanuary and July of each year. Increases or decreases in the InterestRate will cause like increases or decreases in the Finance Charge andwill affect the number of Your regularly scheduled payments. YourInterest Rate will never be greater than 20.99% and will apply to Yourremaining principal balance.

OVERDRAFT PROTECTION. We may transfer funds in multiples of$100.00 (or in such increments as We may from time to timedetermine) to Your share draft account by an advance on Your OverdraftLine of Credit Feature Category, subject to this provision, to clear anyOverdraft on Your share draft account. Whether or not such transfersoccur will be controlled by this Agreement. In any event, You hold Usharmless for any and all liability which might otherwise arise if thetransfer does not occur. Overdraft protection automatically ceases if thisAgreement is ever cancelled or terminated or Your Account is in default.

PERIODIC STATEMENTS. On a regular basis, You will receive astatement showing all transactions on Your Account including amountspaid and borrowed since Your last statement. We will mail You astatement each month in which there is a debit or credit balance orwhen a Finance Charge is imposed. We need not send You a statementif We feel Your Account is uncollectible or if We have started collectionproceedings against You because You defaulted. EACH STATEMENT ISDEEMED TO BE A CORRECT STATEMENT OF ACCOUNT UNLESS YOUESTABLISH A BILLING ERROR PURSUANT TO THE FEDERALTRUTH-IN-LENDING ACT.

DEFAULT. You will be in default if: (a) You do not make any payment orperform any obligation under this Agreement, or any other agreementthat You may have with Us; or (b) You should die, become involved inany insolvency, receivership or custodial proceeding brought by oragainst You; or (c) You have made a false or misleading statement inYour credit application and/or in Your representations to Us while Youowe money on Your Account; or (d) A judgment or tax lien should befiled against You or any attachment or garnishment should be issued

SPECIFIC TERMS APPLICABLE TO YOURMASTERCARD SECURED AND MASTERCARD

PLATINUM CREDIT CARDS

participating Automated Teller Machines (ATMs). This PIN is confidentialand should not be disclosed to anyone. You may use Your PIN to accessYour Account and all sums advanced will be added to Your Accountbalance. In the event a use of Your PIN constitutes an Electronic FundTransfer, the terms and conditions of Your Electronic Fund TransferAgreement may also affect Your rights.

EFFECT OF AGREEMENT. Even though the sales, cash advance, credit orother slips You may sign or receive when using Your Card contain terms,this Agreement is the contract which solely applies to all transactionsinvolving the Card.

UNAUTHORIZED USE. You may be liable for the unauthorized use ofYour Card. You will not be liable for the unauthorized use thatoccurs after You notify Us of the loss, theft, or possible unauthorizeduse by calling Us at (866) 820-5890 or by writing to Us at theaddress shown in this Agreement. In any case, Your liability will notexceed $50.00.

REFUSAL TO HONOR CARDS. We are not liable for the refusal orinability of merchants, financial institutions and others to accept theCards, or electronic terminals to honor the Cards or complete a Cardwithdrawal, or for their retention of the Cards.

FOREIGN TRANSACTIONS. For transactions initiated in foreigncurrencies, the exchange rate between the transaction currency and thebilling currency (U.S. dollars) will be: (a) a rate selected by MasterCardfrom the range of rates available in wholesale currency markets for theapplicable central processing date, which rate may vary from the rateMasterCard itself receives; or (b) the government-mandated rate ineffect for the applicable central processing date. For all transactionsinitiated in foreign countries, You will be charged 1.00% calculated onthe final settlement amount.

TRANSACTION SLIPS. Your monthly statement will identify thatmerchant, electronic terminal or financial institution at whichtransactions were made, but sales, cash advances, credit or other slipscannot be returned with the statement.

LATE CHARGE. If Your payment is more than 10 days past due, You willbe charged the lesser of: (a) the amount of the minimum payment due;or (b) $15.00.

OTHER FEES AND CHARGES. You will be charged the followingfees associated with the use of Your Card: (a) the lesser of $9.00or the required minimum payment amount for the returned paymentfor any check (or other negotiable instrument used for payment)which is returned unpaid; (b) $5.00 for each replacement PIN Yourequest; (c) $10.00 for each replacement Card You request; (d) $40.00each time that You request expedited delivery of Your Card; (e) $5.00each time You request a copy of a billing statement or sales draft;and (f) $25.00 per hour each time You request that We researchYour Account.

LOST CARDS. To report lost or stolen Credit Cards, You will immediatelycall Us at (800) 449-7728 or write to Us at the address shown inthis Agreement.

CREDITS. If a merchant who honors Your Card gives You credit forreturns or adjustments, they will do so by sending Us a slip which will beposted to Your Account. If Your credits and payments exceed what Youowe Us, We will hold and apply this credit against future purchases andcash advances, or if it is $1.00 or more refund it on Your written requestor automatically deposit it to Your share account after six months.

This notice tells You about Your rights and Our responsibilities under theFair Credit Billing Act.

If You think there is an error on Your statement, write to Us atOur address shown in this Agreement. In Your letter, give us thefollowing information:

Account information: Your name and Account number.

Your Billing Rights: Keep this Document for Future Use

Dollar amount: The dollar amount of the suspected error.Description of problem: If You think there is an error on Your bill,describe what You believe is wrong and why You believe it isa 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 andYou may have to pay the amount in question.

1) Within 30 days of receiving Your letter, We must tell You that Wereceived Your letter. We will also tell You if We have alreadycorrected the error.

2) Within 90 days of receiving Your letter, We must either correct theerror 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 asdelinquent on that amount.The charge in question may remain on Your statement, and We maycontinue to charge You interest on that amount.While You do not have to pay the amount in question, You areresponsible 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 inquestion or any interest or other fees related to that amount.If We do not believe there was a mistake: You will have to pay theamount in question, along with applicable interest and fees. We willsend You a statement of the amount You owe and the datepayment is due. We may then report You as delinquent if You donot pay the amount We think You owe.

If You receive Our explanation but still believe Your bill is wrong, Youmust write to Us within 10 days telling Us that You still refuse to pay. IfYou do so, We cannot report You as delinquent without also reportingthat You are questioning Your bill. We must tell You the name of anyoneto whom we reported You as delinquent, and We must let thoseorganizations know when the matter has been settled between Us. IfWe do not follow all of the rules above, You do not have to pay the first$50.00 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 havepurchased with Your Credit Card, and You have tried in good faith tocorrect the problem with the merchant, You may have the right not topay the remaining amount due on the purchase. To use this right, all ofthe following must be true:

1) The purchase must have been made in Your home state or within 100miles of Your current mailing address, and the purchase price musthave been more than $50.00. (Note: Neither of these are necessary ifYour purchase was based on an advertisement We mailed to You, orif We own the company that sold You the goods or services.)

2) You must have used Your Credit Card for the purchase. Purchasesmade with cash advances from an ATM or with a check thataccesses Your Credit Card account do not qualify.

3) You must not yet have fully paid for the purchase.

If all of the criteria above are met and You are still dissatisfied with thepurchase, contact Us in writing at Our address shown in this Agreement.

While We investigate, the same rules apply to the disputed amount asdiscussed above. After We finish Our investigation, We will tell You Ourdecision. At that point, if We think You owe an amount and You do notpay, We may report You as delinquent.

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What To Do If You Find A Mistake On Your Statement

What Will Happen After We Receive Your Letter

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