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the is
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the Cardholder
Agreement
Agreement
Agreement
and and and
any convenience
any convenience
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checks
checks
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Disclosure
Disclosure
Disclosure
Statement
Statement
Statement
that governs
that governs
that
the
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use
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read
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keep
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(“Cardholder”)
(“Cardholder”)
(“Cardholder”)
whose
whose
name
whose
name
is embossed
name
is embossed
is embossed
on the
onface
theon
face
ofthe
theof
face
VISA
theof
VISA
(“Card”)
the VISA
(“Card”)
(“Card”)
records.
records.
The
records.
person
The person
The
person
and
each
and each
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each Cardholder,
in theinevent
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event
more
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more
than more
than
one Card
one
thanCard
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enclosed
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enclosed
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enclosed
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account
number,
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number,
bynumber,
signing
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by
or signing
using
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said
or using
Card,
said Card,
said
receipt
Card,
receipt
of which
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bearing
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agrees
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NEFCU,
with NEFCU,
withthe
NEFCU,
Issuer
the Issuer
the
of the
Issuer
ofCard,
theof
Card,
(“Issuer”)
the Card,
(“Issuer”)
as
(“Issuer”)
follows.
as follows.
as follows.
is. is. is.
M-119354
Equal
Equal
Opportunity
Equal
Opportunity
Opportunity
Lender
Lender
Lender
We make
We loans
make
Wewithout
loans
makewithout
loans
regard
without
regard
to race,
regard
to race,to race,
color, color,
religion,
religion,
color,
sex or
religion,
sex
national
or national
sexorigin.
or national
origin. origin.
1. Type
1. Type
of1.
Transactions:
Type
of Transactions:
of Transactions:
Cardholder
Cardholder
Cardholder
shall shall
not use
not
shall
the
use
not
Card
the
use
Card
for
theany
for
Card
transaction
any
fortransaction
any transaction
that violates
that violates
that violates
any Federal,
any Federal,
anyState
Federal,
State
or Local
State
or Local
law.
or Local
Goods
law. Goods
law.
andGoods
services
and services
and(”Credit
services
(”Credit
Purchases”)
(”Credit
Purchases”)
Purchases”)
may may
be purchased
be
may
purchased
be purchased
or leased
or leased
by
or means
leased
by means
by
of such
means
of such
Card
of Card
such
by Cardholder
by
Card
Cardholder
by Cardholder
from from
any retail
any
fromretail
business
any business
retailestablishment
business
establishment
establishment
(”Seller”)
(”Seller”)
who
(”Seller”)
honors
who honors
who
same
honors
same
uponsame
upon
the execution
upon
the execution
the of
execution
a sales
of a sales
slip
of a evidencing
sales
slip evidencing
slip evidencing
such such
Credit
Credit
such Credit
Purchase
Purchase
and
Purchase
bearing
and bearing
and
thebearing
account
the account
the
number
account
number
of number
Cardholder
of Cardholder
of Cardholder
embossed
embossed
embossed
on the
onface
theon
face
ofthe
such
of
face
such
of such
Card.Card.
Additionally,
Card.
Additionally,
Additionally,
VISAVISA
CashVISA
Cash
Advances
Cash
Advances
Advances
(”Loans”)
(”Loans”)
may
(”Loans”)
may
be obtained
be
may
obtained
bethrough
obtained
through
through
useuse
ofuse
such
of
use
of
such
such
of
Card
such
Card
Card
(a)Card
(a)
upon
(a)
upon
(a)
upon
execution
upon
execution
execution
execution
of aofwritten
of
a written
a
ofwritten
a request
written
request
request
request
of Cardholder
of of
Cardholder
Cardholder
of Cardholder
in in in in
a form
a form
a furnished
form
a form
furnished
furnished
furnished
to the
to to
the
Cardholder
the
toCardholder
the
Cardholder
Cardholder
from
from
any
from
from
any
bank
any
bank
any
bank
that
bank
that
isthat
aisthat
member,
a
is member,
aismember,
a member,
alone
alone
alone
alone
or in
or association
or
in or
in
association
association
in association
with
with
others,
with
others,
with
others,
of
others,
VISA
of of
VISA
VISA
of
U.S.A.
VISA
U.S.A.
U.S.A.
Inc.
U.S.A.
Inc.
and
Inc.
and
Inc.
(b)
and
(b)
and
upon
(b)
upon
(b)
upon
execution
upon
execution
execution
execution
of aofwritten
of
a written
a
ofwritten
a separate
written
separate
separate
separate
Agreement
Agreement
Agreement
Agreement
with
with
Issuer
with
Issuer
with
Issuer
for
Issuer
for
a VISA
for
a for
VISA
a VISA
Overdraft
a VISA
Overdraft
Overdraft
Overdraft
Financing
Financing
Financing
Financing
Agreement,
Agreement,
Agreement,
Agreement,
if offered
if offered
if offered
if by
offered
by
Issuer.
by
Issuer.
by
Issuer.
Issuer.
2. Use
2. 2.
Use
of
Use
2. Account:
of
Use
of
Account:
of
Account:
Account:
YouYou
promise
You
promise
You
promise
promise
to repay
to to
repay
repay
tousrepay
us
forus
for
allus
for
all
credit
for
all
credit
all
credit
extended
credit
extended
extended
extended
pursuant
pursuant
pursuant
pursuant
to authorized
to to
authorized
authorized
to authorized
useuse
ofuse
the
of
use
of
the
Card(s),
the
ofCard(s),
the
Card(s),
Card(s),
plus
plus
FINANCE
plus
FINANCE
plus
FINANCE
FINANCE
CHARGES
CHARGES
CHARGES
CHARGES
andand
and
and
fees
fees
provided
fees
provided
fees
provided
provided
in this
in in
this
agreement.
this
inagreement.
this
agreement.
agreement.
YouYou
are
You
are
You
responsible
are
responsible
are
responsible
responsible
for for
charges
for
charges
for
charges
charges
made
made
made
made
by by
yourself,
by
yourself,
by
yourself,
yourself,
your
your
spouse,
your
your
spouse,
spouse,
spouse,
andand
your
and
your
and
children.
your
your
children.
children.
children.
YouYou
are
You
are
You
also
are
also
are
responsible
also
responsible
also
responsible
responsible
for for
charges
for
charges
for
charges
charges
made
made
made
bymade
by
anyone
by
anyone
by
anyone
anyone
else
else
to
else
whom
to
else
to
whom
whom
toyou
whom
you
give
you
give
you
the
give
the
give
Card,
the
Card,
the
Card,
and
Card,
and
this
and
this
and
thisthis
responsibility
responsibility
responsibility
responsibility
continues
continues
continues
continues
until
until
the
until
the
until
Card
the
Card
the
Card
is Card
returned
is returned
is returned
is returned
to us.
to to
us.
You
us.
toYou
us.
cannot
You
cannot
You
cannot
cannot
disclaim
disclaim
disclaim
disclaim
responsibility
responsibility
responsibility
responsibility
by by
notifying
by
notifying
by
notifying
notifying
us,us,
but
us,
but
we
us,
but
we
will
but
we
will
close
we
will
close
will
close
the
close
the
account
the
account
the
account
account
for forforfor
new
new
transactions
new
transactions
new
transactions
transactions
if you
if you
ifso
you
ifso
request
you
so
request
so
request
request
andand
return
and
return
and
return
allreturn
all
Cards.
all
Cards.
all
Cards.
The
Cards.
The
Cards
The
Cards
The
Cards
remain
Cards
remain
remain
remain
ourour
property,
our
property,
our
property,
property,
andand
you
and
you
and
must
you
must
you
must
recover
must
recover
recover
recover
andand
surrender
and
surrender
and
surrender
surrender
to us
to to
us
allus
to
all
Cards
us
all
Cards
all
Cards
upon
Cards
upon
upon
upon
ourour
request
our
request
our
request
request
andand
upon
and
upon
and
upon
termination
upon
termination
termination
termination
of the
of of
the
Agreement.
the
ofAgreement.
the
Agreement.
Agreement.
This
This
Card
This
Card
This
Card
cannot
Card
cannot
cannot
be
cannot
bebe be
used
used
used
forused
for
illegal
for
illegal
for
illegal
means
illegal
means
means
(i.e.,
means
(i.e.,
gambling).
(i.e.,
(i.e.,
gambling).
gambling).
gambling).
3. Liability
3. 3.
Liability
Liability
3. Liability
forfor
Unauthorized
for
Unauthorized
for
Unauthorized
Unauthorized
Use:
Use:
Use:
You
Use:
You
may
You
may
You
be
may
be
may
liable
be
liable
be
liable
forliable
for
the
for
the
unauthorized
for
the
unauthorized
the
unauthorized
unauthorized
useuse
ofuse
your
of
use
of
your
Credit
your
of your
Credit
Credit
Card.
Credit
Card.
Card.
You
Card.
You
will
You
will
You
not
will
not
be
will
not
be
liable
not
be
liable
be
liable
forliable
for
unauthorized
for
unauthorized
for
unauthorized
unauthorized
useuse
that
use
that
use
that
that
occurs
occurs
occurs
after
occurs
after
you
after
after
you
notify
you
notify
you
notify
NEFCU
notify
NEFCU
NEFCU
NEFCU
at 1000
at at
1000
1000
at
Corporate
1000
Corporate
Corporate
Corporate
Drive,
Drive,
Drive,
Westbury,
Drive,
Westbury,
Westbury,
Westbury,
NYNYNYNY
11590,
11590,
11590,
(516)
11590,
(516)
(516)
561-0030
(516)
561-0030
561-0030
561-0030
or PSCU
or or
PSCU
or
PSCU
Cardholder
PSCU
Cardholder
Cardholder
Cardholder
Service,
Service,
Service,
Service,
POPO
Box
PO
Box
PO
31112,
Box
31112,
Box
31112,
31112,
Tampa,
Tampa,
Tampa,
Tampa,
FL FL
33631-3112
FL
33631-3112
FL
33631-3112
33631-3112
800-449-7728,
800-449-7728,
800-449-7728,
800-449-7728,
orally
orally
orally
ororally
in
or writing,
or
in or
in
writing,
writing,
in writing,
of the
of of
the
loss,
the
ofloss,
the
loss,
loss,
theft
theft
or
theft
possible
theft
or or
possible
or
possible
possible
unauthorized
unauthorized
unauthorized
unauthorized
use.
use.
use.
use.
4. Annual
4. 4.
Annual
Annual
4. Annual
Percentage
Percentage
Percentage
Percentage
Rate
Rate
Rate
(APR)
Rate
(APR)
(APR)
Variable:
(APR)
Variable:
Variable:
Variable:
TheThe
Annual
The
Annual
The
Annual
Percentage
Annual
Percentage
Percentage
Percentage
year
year
and
year
year
and
will
and
will
and
bewill
be
the
will
be
the
Prime
be
the
Prime
the
Prime
Rate
Prime
Rate
Rate
published
Rate
published
published
published
in the
in in
the
Wall
the
inWall
the
Street
Wall
Wall
Street
Street
Journal
Street
Journal
Journal
Journal
“Money
“Money
“Money
“Money
Rates”
Rates”
Rates”
table
Rates”
table
table
table
on
on
theon
the
on
the
the
day
day
ofday
the
of
day
of
the
prthe
of
pr
orio
pr
month
month
based
based
based
based
15th
15th
15th
15th
ioprrthe
imonth
r io
r month
plus
plus
aplus
margin
aplus
margin
a margin
a tied
margin
tied
totied
your
to
tied
to
your
credit
your
to your
credit
credit
score
credit
score
score
that
score
that
we
that
we
that
have
we
have
we
have
onhave
on
file.
on
file.
This
on
file.
This
file.
margin
This
margin
This
margin
margin
may
may
result
may
result
may
result
inresult
ainrate
in
a rate
ainthat
rate
a that
rate
isthat
either
isthat
either
is either
ishigher
either
higher
higher
or
higher
lower
or or
lower
or
lower
than
lower
than
your
than
than
your
current
your
your
current
current
rate.
current
rate.
rate.
rate.
If the
If the
Ifrate
the
Ifrate
the
israte
higher,
is
rate
higher,
is higher,
is you
higher,
you
will
you
will
you
bewill
be
notified
will
be
notified
be
notified
notified
in writing
in in
writing
writing
inin
writing
advance
in in
advance
advance
in advance
of your
of of
your
first
your
of your
first
firstfirst
new
new
billing
new
billing
new
billing
statement.
billing
statement.
statement.
statement.
AnyAny
new
Any
new
Any
rates
new
rates
new
rates
willrates
will
become
will
become
will
become
become
effective
effective
effective
effective
annually
annually
annually
annually
at at at at
thethe
beginning
the
beginning
the
beginning
beginning
of the
of of
the
monthly
the
ofmonthly
the
monthly
monthly
billing
billing
billing
cycle.
billing
cycle.
cycle.
The
cycle.
The
maximum
The
maximum
The
maximum
maximum
raterate
for
rate
for
rate
your
for
your
for
your
your
card
card
will
card
card
will
bewill
be
the
will
be
the
maximum
be
the
maximum
the
maximum
maximum
raterate
permitted
rate
permitted
rate
permitted
permitted
for for
Federal
for
Federal
for
Federal
Federal
Credit
Credit
Credit
Unions
Credit
Unions
Unions
under
Unions
under
under
under
Credit
Credit
Credit
Union
Credit
Union
Union
regulations,
Union
regulations,
regulations,
regulations,
currently
currently
currently
currently
at 18%.
at at
18%.
18%.
at 18%.
5. Balance
5. 5.
Balance
Balance
5. Balance
Computation
Computation
Computation
Computation
Method:
Method:
Method:
Method:
WeWe
calculate
We
calculate
We
calculate
calculate
thethe
FINANCE
the
FINANCE
the
FINANCE
FINANCE
CHARGE
CHARGE
CHARGE
CHARGE
on on
your
on
your
on
account
your
your
account
account
account
by by
applying
by
applying
by
applying
applying
thethe
periodic
the
periodic
the
periodic
periodic
raterate
to
rate
the
to
rate
to
the
"Average
the
to"Average
the
"Average
"Average
Daily
Daily
Daily
Daily
Balance"
Balance"
Balance"
Balance"
of your
of of
your
account
your
of your
account
account
account
(excluding
(excluding
(excluding
(excluding
current
current
current
transactions).
current
transactions).
transactions).
transactions).
To To
getTo
get
the
To
get
the
get
thethe
"Average
"Average
"Average
"Average
Daily
Daily
Daily
Balance"
Daily
Balance"
Balance"
Balance"
wewe
take
we
take
we
the
take
the
take
beginning
the
beginning
the
beginning
beginning
balance
balance
balance
balance
of your
of of
your
account
your
of your
account
account
account
each
each
each
day
each
day
and
day
and
day
subtract
and
subtract
and
subtract
subtract
anyany
payments
any
payments
any
payments
payments
or credits
or or
credits
or
credits
and
credits
and
any
and
any
and
unpaid
any
unpaid
any
unpaid
FINANCE
unpaid
FINANCE
FINANCE
FINANCE
CHARGES.
CHARGES.
CHARGES.
CHARGES.
WeWe
do
We
do
not
We
do
not
add
do
not
add
not
inadd
any
in
add
in
any
new
any
innew
any
purchases.
new
purchases.
new
purchases.
purchases.
This
This
gives
This
gives
This
gives
usgives
us
theus
the
daily
us
the
daily
the
daily
daily
balance.
balance.
balance.
balance.
Then,
Then,
Then,
we
Then,
we
apply
we
apply
we
apply
allapply
all
theall
the
daily
all
the
daily
the
daily
balances
daily
balances
balances
balances
for for
the
for
the
billing
for
the
billing
the
billing
cycle
billing
cycle
cycle
together
cycle
together
together
together
andand
divide
and
divide
and
divide
the
divide
the
total
the
total
the
by
total
by
total
theby
the
number
by
the
number
the
number
number
of days
of of
days
days
of
in days
the
in in
the
billing
the
inbilling
the
billing
cycle.
billing
cycle.
cycle.
This
cycle.
This
gives
This
gives
This
gives
gives
us us
theus
the
"Average
us
the
"Average
the
"Average
"Average
Daily
Daily
Daily
Balance."
Daily
Balance."
Balance."
Balance."
6. Minimum
6. 6.
Minimum
Minimum
6. Minimum
FINANCE
FINANCE
FINANCE
FINANCE
CHARGE:
CHARGE:
CHARGE:
CHARGE:
A minimum
A minimum
A minimum
A minimum
50¢50¢
FINANCE
50¢
FINANCE
50¢
FINANCE
FINANCE
CHARGE
CHARGE
CHARGE
CHARGE
willwill
bewill
be
imposed
will
be
imposed
be
imposed
imposed
during
during
during
aduring
billing
a billing
a billing
acycle
billing
cycle
cycle
in cycle
which
in in
which
which
inFINANCE
which
FINANCE
FINANCE
FINANCE
CHARGES
CHARGES
CHARGES
CHARGES
areareareare
incurred.
incurred.
incurred.
incurred.
7. Grace
7. 7.
Grace
Grace
7.Period
Grace
Period
Period
and
Period
and
FINANCE
and
FINANCE
and
FINANCE
FINANCE
CHARGES:
CHARGES:
CHARGES:
CHARGES:
There
There
There
isThere
no
is no
is
grace
no
is
grace
no
grace
period
grace
period
period
period
on on
Cash
on
Cash
on
Cash
Advances
Cash
Advances
Advances
Advances
or Balance
or or
Balance
or
Balance
Balance
Transfers.
Transfers.
Transfers.
Transfers.
FINANCE
FINANCE
FINANCE
FINANCE
CHARGES
CHARGES
CHARGES
CHARGES
for for
each
for
each
for
each
each
Cash
Cash
Cash
Advance
Cash
Advance
Advance
Advance
andand
Balance
and
Balance
and
Balance
Balance
Transfer
Transfer
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Transfer
willwill
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andand
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the
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date
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than
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isThere
ais25-day
a
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ais25-day
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onon on
Credit
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This
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isperiod
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period
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purchases
for
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incurring
a FINANCE
a FINANCE
a FINANCE
a FINANCE
CHARGE.
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CHARGE
CHARGE
willwill
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be
imposed
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Credit
Credit
Purchases
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A FINANCE
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will
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on
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ifpay
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shown
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areare
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within
25
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are
are
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cycle
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days
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the
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Date
Date
of Date
that
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that
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that
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within
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FINANCE
a FINANCE
CHARGES
CHARGES
willwill
bewill
be
imposed
imposed
on on
theon
the
unpaid
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“Average
“Average
period,
a FINANCE
a FINANCE
CHARGES
CHARGES
will
be
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imposed
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the
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“Average
“Average
Daily
Daily
Balance”
Balance”
of such
of of
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Daily
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such
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the
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Date
Date
of Date
the
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accrue
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the
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date
on
on
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New
Balance
Balance
is paid
is paid
in
full,
orfull,
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the
date
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the
the
date
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on
on
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Balance
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paid
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the
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date
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payment
if more
if more
than
than
25
25
days
days
from
from
the
the
Closing
Closing
Date.
Date.
payment
of payment
if more
if more
than
than
25
25
days
days
from
from
the
the
Closing
Closing
Date.
Date.
8. Annual
8. 8.
Annual
Fee:
Fee:
WeFee:
We
charge
charge
no
no
annual
annual
fee
fee
for
for
participation
participation
in this
in in
this
Credit
Annual
8. Annual
Fee:
We
We
charge
charge
no
no
annual
annual
fee
fee
for
for
participation
participation
this
inCredit
this
Credit
Credit
Card
Card
plan.
plan.
Card
Card
plan.
plan.
9.Cash
9.Cash
Advance
Advance
Fee:
Fee:
A Fee:
Cash
A Cash
Advance
Advance
FeeFee
of
3%
of
3%
of3%
of3%
the
Transaction
9.Cash
9.
Cash
Advance
Advance
Fee:
A Cash
A
Cash
Advance
Advance
Fee
Fee
of
ofthe
of
the
ofTransaction
the
Transaction
Transaction
amount
amount
willwill
bewill
be
assessed
assessed
to each
to to
each
such
such
transaction
transaction
made
made
bymade
by
you.
you.
This
This
amount
amount
will
be
be
assessed
assessed
each
to each
such
such
transaction
transaction
made
by
by
you.
you.
This
This
includes
includes
ATM,
ATM,
Telephone
Telephone
andand
Teller
Teller
Transactions.
Transactions.
There
There
isThere
no
is no
fee
fee
for
for
includes
includes
ATM,
ATM,
Telephone
Telephone
and
and
Teller
Teller
Transactions.
Transactions.
There
is no
is
no
fee
fee
forfor
balance
balance
transfers.
transfers.
balance
balance
transfers.
transfers.
10.10.
Late
Late
Charges:
Charges:
If the
If the
required
required
payment
payment
is not
is not
within
within
10.
10.
Late
Late
Charges:
Charges:
Ifminimum
the
Ifminimum
the
minimum
minimum
required
required
payment
payment
isreceived
not
isreceived
not
received
received
within
within
10 10
days
days
after
after
the
the
Closing
Closing
Date
Date
subsequent
subsequent
to the
to to
the
payment
Due
Due
Date,
Date,
a Date,
a a a
10
10
days
days
after
after
the
the
Closing
Closing
Date
Date
subsequent
subsequent
the
topayment
the
payment
payment
Due
Due
Date,
latelate
charge
charge
equal
equal
toequal
$25
to to
$25
or
or
the
amount
amount
of the
of of
the
required
payment,
payment,
whichever
whichever
late
late
charge
charge
equal
$25
tothe
$25
or
or
the
the
amount
amount
the
ofrequired
the
required
required
payment,
payment,
whichever
whichever
is less,
is less,
will
will
bewill
be
charged.
charged.
is less,
is less,
will
be
be
charged.
charged.
11.11.
Credit
Credit
Limit:
Limit:
Cardholder
Cardholder
shall
shall
notshall
not
use
use
the
the
Card
Card
or Card
permit
or or
permit
the
the
use
use
ofuse
of
11.
11.
Credit
Credit
Limit:
Limit:
Cardholder
Cardholder
shall
not
not
use
use
the
the
Card
or
permit
permit
the
the
use
of of
Related
Related
Cards
Cards
toCards
obtain
to to
obtain
Credit
Purchase
Purchase
or Loans
or or
Loans
which
which
will
will
increase
increase
Related
Related
Cards
obtain
toCredit
obtain
Credit
Credit
Purchase
Purchase
or
Loans
Loans
which
which
will
will
increase
increase
Cardholder's
Cardholder's
VISA
VISA
indebtedness
indebtedness
to Issuer
to to
Issuer
an
to to
an
amount
amount
in excess
in in
excess
2%
of of
2%2%
Cardholder's
Cardholder's
VISA
VISA
indebtedness
indebtedness
Issuer
totoIssuer
an
to
an
amount
amount
excess
in of
excess
of 2%
of the
of of
the
limit
established
established
by by
Issuer.
Issuer.
the
oflimit
the
limit
limit
established
established
by
by
Issuer.
Issuer.
12.12.
Other
Fees:
Additional
charges,
plus
applicable
taxes,
may
also
Other
Fees:
Additional
charges,
plus
applicable
taxes,
may
also
12.
12.
Other
Other
Fees:
Fees:
Additional
Additional
charges,
charges,
plus
plus
applicable
applicable
taxes,
taxes,
may
may
also
also
institution,
institution,
institution,
institution,
request
request
request
request
a copy
a copy
a copy
of
a copy
the
of of
the
document,
the
ofdocument,
the
document,
document,
request
request
request
request
a Replacement
a Replacement
a Replacement
a Replacement
Card
Card
Card
Card
or use
or or
use
your
or
use
your
use
Card
your
your
Card
Card
forCard
for
a transaction
for
a for
transaction
a transaction
a transaction
at an
at at
an
Automated
an
at
Automated
an
Automated
Automated
Teller
Teller
Teller
Machine
Teller
Machine
Machine
Machine
(ATM),
(ATM),
(ATM),
(ATM),
if such
if such
if such
charges
if such
charges
charges
charges
areare
not
are
not
prohibited
are
not
prohibited
not
prohibited
prohibited
by by
law
by
law
or
by
law
regulation.
orlaw
or
regulation.
or
regulation.
regulation.
NoNo
FINANCE
No
FINANCE
No
FINANCE
FINANCE
CHARGES
CHARGES
CHARGES
CHARGES
willwill
bewill
be
assessed
will
be
assessed
be
assessed
assessed
on on
such
on
such
on
such
additional
such
additional
additional
additional
charges.
charges.
charges.
charges.
A payment
A payment
A payment
A payment
by byby by
check
check
check
returned
check
returned
returned
returned
for for
any
for
any
reason
for
any
reason
any
reason
will
reason
will
bewill
be
charged
will
be
charged
be
charged
charged
a fee
a fee
aoffee
a$25
offee
of
$25
or
$25
ofthe
or
$25
or
theor
thethe
amount
amount
amount
amount
of the
of of
the
required
the
ofrequired
the
required
required
payment,
payment,
payment,
payment,
whichever
whichever
whichever
whichever
is less.
is less.
is less.
is less.
13.13.
Agreement
Agreement
to Pay:
to to
Pay:
Cardholder
Cardholder
shall
shall
beshall
be
liable
liable
and
and
agrees
agrees
to
pay
to to
pay
13.
13.
Agreement
Agreement
to
Pay:
Pay:
Cardholder
Cardholder
shall
be
be
liable
liable
and
and
agrees
agrees
pay
to pay
Issuer
Issuer
for
for
Credit
Credit
Purchases
Purchases
made
made
by,
by,
orby,
for
orby,
for
Loans
Loans
extended
extended
to Cardholder
to to
Cardholder
Issuer
Issuer
for
for
Credit
Credit
Purchases
Purchases
made
made
or
or
for
for
Loans
Loans
extended
extended
Cardholder
to Cardholder
or anyone
or or
anyone
else
else
using
using
such
such
Card
Card
unless
unless
the
the
use
use
ofuse
such
of
such
Card
Card
is Card
by
is by
a by
a by
or
anyone
anyone
else
else
using
using
such
such
Card
Card
unless
unless
the
the
use
of
such
of
such
Card
is
is
a a
person
person
other
other
than
than
the
the
Cardholder
Cardholder
(a) (a)
who
who
does
does
notdoes
not
have
have
actual,
actual,
implied
implied
or or or or
person
person
other
other
than
than
the
the
Cardholder
Cardholder
(a)
(a)
who
who
does
not
not
have
have
actual,
actual,
implied
implied
apparent
apparent
authority
authority
for for
such
such
use,
use,
and
and
(b)
(b)
from
from
which
which
Cardholder
Cardholder
receives
receives
apparent
apparent
authority
authority
for
for
such
such
use,
use,
and
and
(b)
(b)
from
from
which
which
Cardholder
Cardholder
receives
receives
andand
agrees
and
agrees
and
agrees
to
agrees
pay
to to
pay
for
pay
tofor
all
pay
for
all
Credit
for
all
Credit
all
Credit
Purchases
Credit
Purchases
Purchases
Purchases
andand
Loans
and
Loans
and
Loans
obtained
Loans
obtained
obtained
obtained
through
through
through
through
thethe
use
the
use
the
ofuse
any
of
use
of
any
other
any
ofother
any
other
Card
other
Card
Card
bearing
Card
bearing
bearing
bearing
Cardholder's
Cardholder's
Cardholder's
Cardholder's
account
account
account
account
number
number
number
number
thatthat
has
that
has
that
hashas
been
been
been
issued
been
issued
issued
to
issued
another
to to
another
another
to another
person
person
person
by
person
by
reason
by
reason
by
reason
of
reason
such
of of
such
such
of
person
such
person
person
being
person
being
being
a being
member
a member
a member
a member
of Cardholder's
of of
Cardholder's
Cardholder's
of Cardholder's
family
family
family
orfamily
otherwise
or or
otherwise
or
otherwise
otherwise
issued
issued
issued
upon
issued
upon
upon
Cardholder's
upon
Cardholder's
Cardholder's
Cardholder's
request
request
request
request
(all(all(all(all
such
such
such
Cards
such
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being
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being
being
the
being
the
VISA
the
VISA
the
VISA
account
VISA
account
account
account
number
number
number
number
hereinafter
hereinafter
hereinafter
hereinafter
collectively
collectively
collectively
collectively
called
called
called
called
"Related
"Related
"Related
"Related
Cards").
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14.14.
Minimum
14.
Minimum
14.
Minimum
Minimum
Payment
Payment
Payment
Payment
& Payment
& Payment
& Payment
& Payment
Due
Due
Date:
Due
Date:
Due
Date:
The
Date:
The
minimum
The
minimum
The
minimum
minimum
payment
payment
payment
payment
required
required
required
required
is the
is the
isNew
the
isNew
the
Balance
New
New
Balance
Balance
Balance
shown
shown
shown
on
shown
on
your
on
your
on
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your
your
statement
statement
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if the
if the
ifamount
the
ifamount
the
amount
amount
is is is is
equal
equal
equal
orequal
less
or or
less
than
or
less
than
less
$20.
than
than
$20.
If$20.
the
$20.
If the
IfNew
the
IfNew
the
Balance
New
New
Balance
Balance
Balance
exceeds
exceeds
exceeds
exceeds
$20$20
the
$20
the
$20
minimum
the
minimum
the
minimum
minimum
payment
payment
payment
payment
is 2.00%
is 2.00%
is 2.00%
isof
2.00%
that
of of
that
portion
that
of portion
that
portion
of
portion
the
of of
the
New
the
ofNew
the
Balance
New
New
Balance
Balance
Balance
which
which
which
does
which
does
does
notdoes
notnotnot
exceed
exceed
exceed
exceed
your
your
credit
your
your
credit
credit
limit
credit
limit
(rounded
limit
(rounded
limit
(rounded
(rounded
up up
to up
the
toup
to
the
nearest
the
tonearest
the
nearest
nearest
dollar),
dollar),
dollar),
or
dollar),
$20,
or or
$20,
or
$20,
$20,
whichever
whichever
whichever
whichever
is greater,
is greater,
is greater,
is greater,
plus
plus
the
plus
the
plus
entire
the
entire
the
entire
portion
entire
portion
portion
of
portion
the
of of
the
New
the
ofNew
the
Balance
New
New
Balance
Balance
Balance
in excess
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excess
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in excess
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of of
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of your
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credit
limit,
credit
limit,
limit,
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plus
any
plus
any
plus
amount
any
amount
any
amount
amount
past
past
due.
past
due.
past
Payment
due.
due.
Payment
Payment
Payment
is due
is due
iswithin
due
is within
due
within
25
within
2525 25
15.15.
Payment
15.
Payment
15.
Payment
Payment
Currency/Currency
Currency/Currency
Currency/Currency
Currency/Currency
Conversion:
Conversion:
Conversion:
Conversion:
Payments
Payments
Payments
Payments
must
must
must
bemust
bebe be
made
made
made
tomade
Issuer
to to
Issuer
Issuer
toinIssuer
U.S.
in in
U.S.
dollars
U.S.
in U.S.
dollars
dollars
drawn
dollars
drawn
drawn
on
drawn
on
a U.S.
on
a on
U.S.
a bank.
U.S.
a U.S.
bank.
bank.
When
bank.
When
When
you
When
you
use
you
use
you
your
use
your
use
your
your
VISA-branded
VISA-branded
VISA-branded
VISA-branded
Debit
Debit
Debit
Card
Debit
Card
Card
at Card
aatmerchant
at
a merchant
a
atmerchant
a merchant
thatthat
settles
that
settles
that
settles
in
settles
currency
in in
currency
currency
in currency
other
other
other
than
other
than
than
than
U.S.
U.S.
dollars,
U.S.
U.S.
dollars,
dollars,
dollars,
thethe
charge
the
charge
the
charge
will
charge
will
bewill
be
converted
will
be
converted
be
converted
converted
intointo
the
into
the
into
U.S.
the
U.S.
the
dollar
U.S.
U.S.
dollar
dollar
amount.
dollar
amount.
amount.
amount.
TheThe
currency
The
currency
The
currency
currency
conversion
conversion
conversion
conversion
raterate
used
rate
used
rate
used
to used
determine
to to
determine
determine
to determine
thethe
transaction
the
transaction
the
transaction
transaction
amount
amount
amount
amount
in U.S.
in in
U.S.
dollars
U.S.
in U.S.
dollars
dollars
is
dollars
either:
is either:
is either:
is(a)
either:
(a)
a (a)
rate
a (a)
rate
aselected
rate
a selected
rate
selected
selected
by by
VISA
by
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by
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from
VISA
from
the
from
from
the
range
the
range
the
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ofrange
of of of
rates
rates
rates
available
rates
available
available
available
in wholesale
in in
wholesale
wholesale
in wholesale
currency
currency
currency
currency
marketing
marketing
marketing
marketing
for for
the
for
the
applicable
for
the
applicable
the
applicable
applicable
central
central
central
central
processing
processing
processing
processing
date,
date,
date,
which
date,
which
which
rate
which
rate
may
rate
may
rate
vary
may
vary
may
from
vary
from
vary
the
from
from
the
rate
the
rate
the
VISA
rate
VISA
rate
VISA
itself
VISA
itself
itself
received;
itself
received;
received;
received;
or (b)
or or
(b)
the
or
(b)
the
government-mandated
(b)
the
government-mandated
the
government-mandated
government-mandated
raterate
inrate
effect
in
rate
in
effect
effect
inforeffect
for
the
for
the
applicable
for
the
applicable
the
applicable
applicable
central
central
central
central
processing
processing
processing
processing
date;
date;
date;
or date;
(c)
or or
(c)
in or
(c)
each
in(c)
in
each
each
in
instance,
each
instance,
instance,
instance,
plus
plus
or
plus
minus
or
plus
or
minus
or
minus
any
minus
any
adjustment
any
adjustment
any
adjustment
adjustment
determined
determined
determined
determined
by by
theby
the
Card
by
the
Card
the
Card
Issuer.
Card
Issuer.
Issuer.
The
Issuer.
The
conversion
The
conversion
The
conversion
conversion
raterate
inrate
effect
in
rate
in
effect
effect
inoneffect
on
theon
the
on
thethe
processing
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processing
date
date
may
date
date
may
differ
may
differ
may
differ
from
differ
from
the
from
from
the
rate
the
rate
the
inrate
effect
in
rate
in
effect
effect
inoneffect
on
theon
the
transaction
on
the
transaction
the
transaction
transaction
date
date
or
date
posting
date
or or
posting
or
posting
posting
date.
date.
date.
If you
date.
If you
Ifuse
you
Ifuse
you
your
use
your
use
VISA
your
your
VISA
VISA
Card
VISA
Card
Card
forCard
for
any
for
any
international
for
any
international
any
international
international
transaction,
transaction,
transaction,
transaction,
youyou
will
you
will
you
bewill
be
assessed
will
be
assessed
be
assessed
assessed
a Foregin
a Foregin
a Foregin
a Foregin
Transaction
Transaction
Transaction
Transaction
FeeFee
Fee
Fee
equal
equal
equal
toequal
2%
to to
2%
of2%
tothe
of2%
of
the
transaction
the
oftransaction
the
transaction
transaction
amount.
amount.
amount.
amount.
16.16.
Payment
16.
Payment
16.
Payment
Payment
Order:
Order:
Order:
Subject
Order:
Subject
Subject
Subject
to applicable
to to
applicable
applicable
to applicable
law,law,
your
law,
your
law,
payments
your
your
payments
payments
payments
may
may
be
may
be
may
be be
applied
applied
applied
applied
to what
to to
what
what
to
you
what
you
owe
you
owe
you
the
owe
the
owe
Credit
the
Credit
the
Credit
Union
Credit
Union
Union
inUnion
any
in in
any
manner
any
inmanner
any
manner
manner
thethe
Credit
the
Credit
the
Credit
Union
Credit
Union
Union
Union
chooses.
chooses.
chooses.
chooses.
Typically,
Typically,
Typically,
Typically,
payments
payments
payments
payments
areare
applied
are
applied
are
applied
applied
in this
in in
this
order:
this
inorder:
this
order:
order:
FINANCE
FINANCE
FINANCE
FINANCE
CHARGES;
CHARGES;
CHARGES;
CHARGES;
Fees;
Fees;
Fees;
Minimum
Fees;
Minimum
Minimum
Minimum
Payment
Payment
Payment
Payment
- Cash
- Cash
- Cash
Advances;
- Cash
Advances;
Advances;
Advances;
Minimum
Minimum
Minimum
Minimum
Payment
Payment
Payment
Payment
- Credit
- Credit
- Credit
-Purchases;
Credit
Purchases;
Purchases;
Purchases;
Balance
Balance
Balance
Balance
- Cash
- Cash
- Cash
Advances
- Cash
Advances
Advances
Advances
andand
and
and
Balance
Balance
Balance
Balance
- Credit
- Credit
- Credit
-Purchases.
Credit
Purchases.
Purchases.
Purchases.
Issuer
Issuer
Issuer
may
Issuer
may
accept
may
accept
may
accept
checks
accept
checks
checks
marked
checks
marked
marked
marked
"Payment
"Payment
"Payment
"Payment
in Full"
in in
Full"
or
Full"
in with
Full"
or or
with
words
or
with
words
with
words
ofwords
similar
of of
similar
similar
ofeffect
similar
effect
effect
without
effect
without
without
without
losing
losing
losing
any
losing
any
ofany
Issuer's
of
any
of
Issuer's
Issuer's
of Issuer's
rights
rights
rights
torights
collect
to to
collect
collect
tothe
collect
the
full
the
full
balance
the
full
balance
full
balance
balance
of Cardholder's
of of
Cardholder's
Cardholder's
of Cardholder's
account.
account.
account.
account.
If aIfpayment
aIf payment
aIfpayment
a payment
statement(s)
statement(s)
statement(s)
statement(s)
thethe
remainder
the
remainder
the
remainder
remainder
of that
of of
that
Finance
that
of Finance
that
Finance
Finance
Charge
Charge
Charge
Charge
willwill
bewill
be
collected
will
be
collected
be
collected
collected
from
from
from
from
later
later
payments
later
later
payments
payments
payments
andand
will
and
will
and
not
will
not
be
will
not
be
added
not
be
added
be
added
toadded
the
to to
the
average
the
toaverage
the
average
average
daily
daily
daily
balance
daily
balance
balance
balance
of of of of
Purchases
Purchases
Purchases
Purchases
or Cash
or or
Cash
or
Cash
Advances.
Cash
Advances.
Advances.
Advances.
20.20.
Legal
Legal
Fees:
Fees:
Cardholder
Cardholder
agrees
agrees
to
pay
to to
pay
all
costs
costs
incurred
incurred
by by
Issuer
Issuer
20.
20.
Legal
Legal
Fees:
Fees:
Cardholder
Cardholder
agrees
agrees
pay
toall
pay
all
all
costs
costs
incurred
incurred
by
by
Issuer
Issuer
in collecting
in in
collecting
Cardholder's
Cardholder's
indebtedness
indebtedness
or in
or enforcing
in or
enforcing
thisthis
Agreement,
Agreement,
collecting
in collecting
Cardholder's
Cardholder's
indebtedness
indebtedness
or
in
enforcing
in enforcing
this
this
Agreement,
Agreement,
including
including
reasonable
reasonable
attorney's
attorney's
fees
fees
and
and
also
also
those
those
costs,
costs,
expenses
expenses
including
including
reasonable
reasonable
attorney's
attorney's
fees
fees
and
and
also
also
those
those
costs,
costs,
expenses
expenses
andand
attorney's
attorney's
fees
fees
incurred
incurred
in appellate,
in in
appellate,
bankruptcy
bankruptcy
andand
post-judgment
post-judgment
and
and
attorney's
attorney's
fees
fees
incurred
incurred
appellate,
in appellate,
bankruptcy
bankruptcy
and
and
post-judgment
post-judgment
proceedings,
proceedings,
except
except
to
the
to to
the
extent
such
such
costs,
costs,
fees
fees
or
expenses
or
expenses
areareareare
proceedings,
proceedings,
except
except
the
toextent
the
extent
extent
such
such
costs,
costs,
fees
fees
or
or
expenses
expenses
prohibited
prohibited
by by
law.
law.
prohibited
prohibited
by
by
law.
law.
21.21.
Refusal
Refusal
of Transaction:
of of
Transaction:
Credit
Credit
Purchases
Purchases
andand
Loans
Loans
are
are
effected
effected
21.
21.
Refusal
Refusal
of
Transaction:
Transaction:
Credit
Credit
Purchases
Purchases
and
and
Loans
Loans
are
are
effected
effected
at the
at at
the
option
ofoption
the
of of
the
Seller
and
and
Cash
Cash
Advancing
Advancing
Bank,
Bank,
respectively,
respectively,
the
atoption
the
option
the
ofSeller
the
Seller
Seller
and
and
Cash
Cash
Advancing
Advancing
Bank,
Bank,
respectively,
respectively,
andand
Issuer
Issuer
shall
shall
notshall
not
benot
be
responsible
responsible
for for
refusal
refusal
by
by
any
any
Seller
Seller
orSeller
Cash
or or
Cash
and
and
Issuer
Issuer
shall
not
be
be
responsible
responsible
for
for
refusal
refusal
by
by
any
any
Seller
or
Cash
Cash
Advancing
Advancing
Bank
Bank
to Bank
honor
to to
honor
the
Card
Card
or Card
any
or or
any
Related
Related
Card.
Card.
Any
Any
refund,
refund,
Advancing
Advancing
Bank
honor
tothe
honor
the
the
Card
or
any
any
Related
Related
Card.
Card.
Any
Any
refund,
refund,
adjustment
adjustment
or credit
or or
credit
allowed
allowed
by by
Seller
Seller
shall
shall
notshall
not
benot
be
by
by
cash
cash
butcash
but
rather
rather
by
by
a by
a by
adjustment
adjustment
or
credit
credit
allowed
allowed
by
by
Seller
Seller
shall
not
be
be
by
by
cash
but
but
rather
rather
a a
credit
credit
advice
advice
to
Issuer
to to
Issuer
which
shall
shall
beshall
be
shown
shown
as
as
a credit
a credit
on
Cardholder's
Cardholder's
credit
credit
advice
advice
Issuer
towhich
Issuer
which
which
shall
be
be
shown
shown
as
as
a credit
aoncredit
on
on
Cardholder's
Cardholder's
account
account
statement
statement
with
with
Issuer.
Issuer.
account
account
statement
statement
with
with
Issuer.
Issuer.
22.22.
Convenience
Convenience
Checks:
Checks:
TheThe
Credit
Credit
Union
Union
will,
will,
from
from
time
time
to
time,
to
time,
22.
22.
Convenience
Convenience
Checks:
Checks:
The
The
Credit
Credit
Union
Union
will,
will,
from
from
time
time
to
time,
to time,
issue
issue
convenience
convenience
checks
checks
to
be
to to
be
used
used
in used
conjunction
in in
conjunction
with
with
this
this
Card.
Card.
The
The
issue
issue
convenience
convenience
checks
checks
be
to
be
used
conjunction
in conjunction
with
with
this
this
Card.
Card.
The
The
Credit
Credit
Union
Union
reserves
reserves
thethe
right
right
to
return
to to
return
convenience
checks
checks
to
the
to to
thethe
Credit
Credit
Union
Union
reserves
reserves
the
the
right
right
return
toconvenience
return
convenience
convenience
checks
checks
to the
(a) (a)(a)(a)
your
your
account
your
your
account
account
account
exceeds
exceeds
exceeds
exceeds
your
your
approved
your
your
approved
approved
approved
credit
credit
credit
limit
credit
limit
at
limit
the
at
limit
at
the
time
the
attime
the
the
time
the
time
check
the
check
the
check
ischeck
is is is
presented
presented
presented
presented
for for
payment;
for
payment;
for
payment;
payment;
or, or,
(b)or,
(b)
payment
or,
(b)
payment
(b)
payment
payment
of the
of of
the
check
the
ofcheck
the
check
would
check
would
would
cause
would
cause
cause
your
cause
your
your
your
account
account
account
account
to exceed
to to
exceed
exceed
to exceed
thethe
approved
the
approved
the
approved
approved
limit;
limit;
limit;
or limit;
(c)
or or
(c)
your
or
(c)
your
(c)
account
your
your
account
account
account
is past
is past
is due.
past
is due.
past
You
due.
due.
You
You
You
may
may
stop
may
stop
may
payment
stop
payment
stop
payment
payment
on on
a Convenience
on
a on
Convenience
a Convenience
a Convenience
Check
Check
Check
by
Check
by
calling
by
calling
by
calling
us
calling
us
at us
(516)561atus
at
(516)561(516)561at (516)5610030
0030
0030
or 0030
notifying
or or
notifying
or
notifying
notifying
PSCU
PSCU
PSCU
atPSCU
1-800-790-7728.
at at
1-800-790-7728.
1-800-790-7728.
at 1-800-790-7728.
There
There
There
may
There
may
be
may
be
may
a stop
be
a be
stop
a stop
a stop
payment
payment
payment
payment
feefee
per
fee
per
item
fee
per
item
per
or
item
series
or
item
or
series
or
series
ofseries
items.
of of
items.
items.
ofPlease
items.
Please
Please
refer
Please
refer
refer
to refer
our
to to
our
fee
our
tofee
schedule
our
fee
schedule
fee
schedule
schedule
for for
the
for
the
fee.
for
the
fee.
the
fee.
fee.
23.23.
Statement
23.
Statement
23.
Statement
Statement
of Account:
of of
Account:
of
Account:
Account:
Issuer
Issuer
Issuer
will
Issuer
will
send
will
send
will
send
to send
Cardholder,
to to
Cardholder,
Cardholder,
to Cardholder,
at monthly
at at
monthly
monthly
at monthly
17.17.
Card
17.
Card
17.
Card
Property:
Card
Property:
Property:
Property:
Each
Each
Each
Card
Each
Card
Card
is Card
the
is the
isproperty
the
isproperty
the
property
property
of Issuer,
of of
Issuer,
Issuer,
of is
Issuer,
not
is not
istransferable
not
istransferable
not
transferable
transferable
andand
must
and
must
and
must
bemust
be
surrendered
be
surrendered
be
surrendered
surrendered
upon
upon
upon
demand.
upon
demand.
demand.
demand.
It can
It can
Itbe
can
Itbe
canceled
can
be
canceled
be
canceled
canceled
as as
well
as
well
as
well
as
well
as as
repossessed
repossessed
repossessed
repossessed
by by
Issuer
by
Issuer
by
Issuer
orIssuer
its
or or
its
designee,
or
its
designee,
its
designee,
designee,
andand
the
and
the
and
privileges
the
privileges
the
privileges
privileges
thereof
thereof
thereof
revoked
thereof
revoked
revoked
revoked
at any
at at
any
time
any
attime
any
without
time
without
time
without
without
prior
prior
notice.
prior
prior
notice.
notice.
notice.
period
period
period
all
period
all
VISA
all
VISA
all
VISA
Card
VISA
Card
Card
and
Card
and
Related
and
Related
and
Related
Related
Card
Card
Card
transactions.
Card
transactions.
transactions.
transactions.
Such
Such
Such
statement
Such
statement
statement
statement
shall
shall
shall
shall
be be
deemed
be
deemed
be
deemed
deemed
correct
correct
correct
and
correct
and
accepted
and
accepted
and
accepted
accepted
by by
Cardholder
by
Cardholder
by
Cardholder
Cardholder
andand
all
and
all
holders
and
all
holders
all
holders
holders
of Related
of of
Related
Related
of Related
18.18.
Cancellation:
18.
Cancellation:
18.
Cancellation:
Cancellation:
If the
If the
Ifcard
the
Ifcard
the
is
card
canceled
card
is canceled
is canceled
is canceled
or surrender
or or
surrender
or
surrender
surrender
is demanded
is demanded
is demanded
is demanded
by byby by
Issuer,
Issuer,
Issuer,
or
Issuer,
iforCardholder
or
if Cardholder
or
if Cardholder
if Cardholder
defaults
defaults
defaults
defaults
in any
in in
any
payment
any
inpayment
any
payment
payment
due,
due,
or
due,
is
due,
ordeceased,
or
is deceased,
or
is deceased,
is deceased,
bankrupt
bankrupt
bankrupt
bankrupt
or insolvent,
or or
insolvent,
or
insolvent,
insolvent,
or any
or or
any
attachment
or
any
attachment
any
attachment
attachment
or garnishment
or or
garnishment
or
garnishment
garnishment
proceedings
proceedings
proceedings
proceedings
areareareare
initiated
initiated
initiated
initiated
against
against
against
against
Cardholder
Cardholder
Cardholder
Cardholder
or his
or or
his
property,
or
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property,
his
property,
property,
Issuer
Issuer
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may
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elect
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declare
to to
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all allall all
amounts
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then
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owed
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be
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payable
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and
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notice
notice
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ornotice
demand
or or
demand
or
demand
demand
of any
of of
any
kind.
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Cardholder
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Cardholder
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may
may
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may
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may
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thisthis
Agreement
this
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this
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at any
at at
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by
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sending
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us us
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in writing.
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Termination
Termination
Termination
Termination
by by
you
by
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or
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thethe
Credit
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charges
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charges
youyou
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this
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this
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TheThe
card(s)
The
card(s)
The
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youyou
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and
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Credit
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cancel
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agreement
this
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for for
good
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including
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your
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or our
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If this
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24.24.
Applicable
24.
Applicable
24.
Applicable
Applicable
Law:
Law:
Law:
Except
Law:
Except
Except
to
Except
the
to to
the
extent
the
toextent
the
extent
that
extent
that
Federal
that
Federal
that
Federal
Federal
lawlaw
islaw
applicable,
islaw
applicable,
is applicable,
is applicable,
thethe
validity,
the
validity,
the
validity,
validity,
construction
construction
construction
construction
andand
enforcement
and
enforcement
and
enforcement
enforcement
of this
of of
this
agreement
this
ofagreement
this
agreement
agreement
andand
all
and
all
and
all all
matters
matters
matters
matters
arising
arising
arising
out
arising
out
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the
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of
the
issuance
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the
issuance
issuance
andand
use
and
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and
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the
of
use
of
the
Card
the
ofCard
the
Card
shall
Card
shall
shall
beshall
be
governed
be
governed
be
governed
governed
19.19.
Security
19.
Security
19.
Security
Security
Interest:
Interest:
Interest:
Interest:
If Cardholder
If Cardholder
If Cardholder
If Cardholder
hashas
other
has
other
has
other
loans
other
loans
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from
loans
from
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or
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or or or
takes
takes
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out
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loans
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loans
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with
loans
with
Issuer
with
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with
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inIssuer
the
in in
the
future,
the
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future,
collateral
future,
collateral
collateral
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securing
securing
securing
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those
those
those
those
loans,
loans,
loans,
other
loans,
other
other
than
other
than
your
than
than
your
home,
your
your
home,
home,
will
home,
will
also
will
also
will
secure
also
secure
also
secure
the
secure
the
Cardholder's
the
Cardholder's
the
Cardholder's
Cardholder's
obligations
obligations
obligations
obligations
under
under
under
this
under
this
Agreement.
this
Agreement.
this
Agreement.
Agreement.
However,
However,
However,
However,
unless
unless
unless
the
unless
the
Cardholder
the
Cardholder
the
Cardholder
Cardholder
expressly
expressly
expressly
expressly
agrees
agrees
agrees
agrees
otherwise,
otherwise,
otherwise,
otherwise,
thethe
Cardholder's
the
Cardholder's
the
Cardholder's
Cardholder's
household
household
household
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goods
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and
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and
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and
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not
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secure
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secure
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Cardholder's
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obligations
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under
under
under
this
under
this
Agreement
this
Agreement
this
Agreement
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even
even
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if Issuer
even
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interest
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household
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or
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theon
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dwelling.
dwelling.
dwelling.
dwelling.
This
This
instrument
This
instrument
This
instrument
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creates
creates
creates
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a security
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interest
interest
interest
interest
in any
in in
any
share
any
inshare
any
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accounts
share
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(checking,
(checking,
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(checking,
savings,
savings,
savings,
savings,
or Share
or or
Share
or
Share
accounts)
Share
accounts)
accounts)
accounts)
or other
or or
other
or
other
funds
other
funds
funds
held
funds
held
by
held
by
held
Issuer
by
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by
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toIssuer
to to to
secure
secure
secure
your
secure
your
obligations
your
your
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obligations
under
under
under
this
under
this
Credit
this
Credit
this
Credit
Card
Credit
Card
Card
plan,
Card
plan,
plan,
such
plan,
such
such
accounts
such
accounts
accounts
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and/or
and/or
and/or
and/or
funds
funds
funds
are
funds
are
additional
are
additional
are
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security
security
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for for
your
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obligations
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Card.
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of your
Card.
Card.
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mailing
mailing
mailing
mailing
of such
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such
such
of
statement.
such
statement.
statement.
statement.
25.25.
Other
25.
Other
25.
Other
Rules
Other
Rules
Rules
and
Rules
and
Regulations:
and
Regulations:
and
Regulations:
Regulations:
Cardholder
Cardholder
Cardholder
Cardholder
agrees
agrees
agrees
that
agrees
that
Cardholder's
that
Cardholder's
that
Cardholder's
Cardholder's
account
account
account
account
shall
shall
shall
beshall
be
subject
be
subject
be
subject
subject
to all
to to
all
applicable
all
to
applicable
all
applicable
applicable
rules
rules
rules
and
rules
and
regulations
and
regulations
and
regulations
regulations
of VISA
of of
VISA
VISA
of VISA
U.S.A.
U.S.A.
U.S.A.
Inc.
U.S.A.
Inc.
as
Inc.
as
applicable,
Inc.
as
applicable,
as
applicable,
applicable,
as as
well
as
well
as
well
as
all
well
as
all
applicable
as
all
applicable
all
applicable
applicable
laws.
laws.
laws.
If there
laws.
If there
If there
is
If there
any
is any
is any
is any
regulations
regulations
regulations
regulations
of VISA
of of
VISA
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of
U.S.A.
VISA
U.S.A.
U.S.A.
Inc.
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Inc.
the
Inc.
the
Inc.
rules
the
rules
the
rules
and
rules
and
regulations
and
regulations
and
regulations
regulations
of VISA
of of
VISA
VISA
of
U.S.A
VISA
U.S.A
U.S.A
U.S.A
Inc.,
Inc.,
shall
Inc.,
shall
Inc.,
shall
control.
shall
control.
control.
control.
26.26.
Credit
26.
Credit
26.
Credit
Review:
Credit
Review:
Review:
Review:
Issuer
Issuer
Issuer
can
Issuer
can
reinvestigate
can
reinvestigate
can
reinvestigate
reinvestigate
andand
reevaluate
and
reevaluate
and
reevaluate
reevaluate
anyany
anyany
information
information
information
information
Cardholder
Cardholder
Cardholder
Cardholder
provided
provided
provided
provided
on on
Cardholder's
on
Cardholder's
on
Cardholder's
Cardholder's
credit
credit
credit
application
credit
application
application
application
at at at at
anyany
time,
any
time,
any
time,
and
time,
and
inand
the
in
and
in
the
course
the
incourse
the
course
of
course
doing
of of
doing
doing
ofso,
doing
so,
Issuer
so,
Issuer
so,
Issuer
may
Issuer
may
ask
may
ask
may
Cardholder
ask
Cardholder
ask
Cardholder
Cardholder
for forforfor
additional
additional
additional
additional
information,
information,
information,
information,
request
request
request
request
credit
credit
credit
bureau
credit
bureau
bureau
reports
bureau
reports
reports
and/or
reports
and/or
and/or
otherwise
and/or
otherwise
otherwise
otherwise
verify
verify
verify
Cardholder's
verify
Cardholder's
Cardholder's
Cardholder's
current
current
current
credit
current
credit
credit
standing.
credit
standing.
standing.
standing.
This
This
credit
This
credit
This
credit
review
credit
review
review
may
review
may
result
may
result
may
result
result
in ainrate
in
a rate
ainchange.
rate
a change.
rate
change.
change.
You
You
will
You
will
You
bewill
be
notified
will
be
notified
be
notified
notified
of any
of of
any
increase
any
ofincrease
any
increase
increase
in your
in in
your
rate
your
in your
rate
prior
rate
prior
rate
to
prior
prior
to to to
thethe
receipt
the
receipt
the
receipt
of
receipt
any
of of
any
monthly
any
ofmonthly
any
monthly
monthly
account
account
account
account
statement.
statement.
statement.
statement.
27.27.
Release
27.
Release
27.
Release
Release
of Information:
of of
Information:
of
Information:
Information:
Cardholder
Cardholder
Cardholder
Cardholder
agrees
agrees
agrees
that
agrees
that
Issuer
that
Issuer
that
Issuer
may
Issuer
may
release
may
release
may
release
release
information
information
information
information
to others,
to to
others,
others,
to such
others,
such
such
assuch
as
credit
as
credit
as
credit
bureaus,
credit
bureaus,
bureaus,
bureaus,
regarding
regarding
regarding
regarding
thethe
status
the
status
the
status
and
status
and
and
and
history
history
history
of
history
Cardholder's
of of
Cardholder's
Cardholder's
of Cardholder's
account.
account.
account.
account.
However,
However,
However,
However,
Issuer
Issuer
Issuer
isIssuer
not
is not
isobligated
not
isobligated
not
obligated
obligated
to to to to
release
release
release
release
anyany
such
any
such
any
such
information
such
information
information
information
to anyone
to to
anyone
anyone
to anyone
unless
unless
unless
Issuer
unless
Issuer
Issuer
isIssuer
required
is required
is required
is required
by by
law
by
law
by
lawlaw
to do
to to
do
so.do
to
so.
do
so.so.
28.28.
Call
28.
Call
28.
Monitoring:
Call
Monitoring:
Call
Monitoring:
Monitoring:
Cardholder
Cardholder
Cardholder
Cardholder
agrees
agrees
agrees
that
agrees
that
Issuer,
that
Issuer,
that
Issuer,
its
Issuer,
its
agents
its
agents
its
agents
or
agents
service
or or
service
or
service
service
companies
companies
companies
companies
may
may
monitor
may
monitor
may
monitor
monitor
and/or
and/or
and/or
record
and/or
record
record
any
record
any
telephone
any
telephone
any
telephone
telephone
communications
communications
communications
communications
with
with
Cardholder.
with
Cardholder.
with
Cardholder.
Cardholder.
29.29.
Amendments:
29.
Amendments:
29.
Amendments:
Amendments:
This
This
Agreement
This
Agreement
This
Agreement
Agreement
may
may
be
may
be
may
amended
be
amended
be
amended
amended
from
from
time
from
from
time
to
time
time
to
time
to
time
by
time
to by
time
by by
Issuer
Issuer
Issuer
by
Issuer
by
written
by
written
by
written
notice
written
notice
notice
mailed
notice
mailed
mailed
to
mailed
Cardholder
to to
Cardholder
Cardholder
to Cardholder
at Cardholder's
at at
Cardholder's
Cardholder's
at Cardholder's
lastlast
known
last
known
last
known
known
address.
address.
address.
address.