30.Final Expression:This Agreement is the final expression of the Terms and Conditions of this VISA Signature Line of Credit between you and the Credit Union.This written Agreement may not be contradicted by evidence of any alleged oral agreement
Your Billing Rights
Keep This Notice For Future Use
This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.
Notify Us in Case of Errors or Questions About Your Statement
f you think your statement is wrong,or if you need more information about a transaction on your statement, send us a letter with your questions to the address listed on your statement as soon as possible We must hear from you no later than 60 days after we sent you the first statement on which the error or problem appeared. You can telephone us,but doing so will not preserve your rights.In your letter,please include the following information
Your name and account number
The dollar amount of the suspected error.
Describe the error and explain, if you can,why you believe there is an error. If you need more information,describe the item you are not sure about
If you have authorized us to pay your Credit Card bill automatically from your Share savings or checking account,you can stop the payment on any amount that you think is incorrect.To stop the payment,your letter must reach us three business days before the automatic payment is scheduled to occur
Your Rights and Our Responsibilities After We Receive Your Written Notice
We must acknowledge your letter within 30 days,unless the problem has already been corrected.Within 90 days,we must either correct the error or explain why we believe the statement was correct.After we receive your letter,we cannot try to collect any amount you question,or report you as delinquent. We can continue to bill you for the amount you question,including FINANCE CHARGES,and we can apply any unpaid amount against your credit limit.You do not have to pay any questioned amount during our investigation, but you are still obligated to pay the parts of your bill that are not in question.If we find that we made a mistake on your statement,you will not have to pay any FINANCE CHARGES related to any questioned amount.lf we did not make a mistake,you may have to pay FINANCE CHARGES.and you will have to make up any missed payments on the questioned amount.In either case,we will send you a statement of the amount you owe and the date it is due.If you fail to pay the amount you owe,we may report you as delinquent. However f our explanation does not satisfy you and you write to us within ten days telling us you still refuse to pay,we must include in our reporting that you have a question about your statement. And,we must provide you with the Name to whom we have reported you. We must also tell anyone we report you to that the matter has been settled between us when it finally
S.
Special Rule for Credit Card Purchases(Merchant Disputes
If you have a problem with the quality of property or services that you purchased with a Credit Card,and you have tried in good faith to correct the problem with the merchant,you may have the right not to pay the remaining amount due on the property or services.There are two limitations on this right
You must have made the purchase in your home state,or if not within your home state within 100 miles of your current mailing address;and
The purchase price must have been more than S50.These limitations do not apply if we own or operate the merchant,or if we mailed you the advertisement for the property or services
NEFCU Visa Signature Elite Rewards
This Card participates in the Visa Signature Rewards program.NEFCU Visa Signature Elite Credit Card points will accrue over four 4) calendar years and will expire on a first-in,first-out basis annually (i.e.points earned in the first calendar year will expire on the last business day of the fourth calendar year)
NEFCU may.from time to time,change the program rules,regulations, benefits,conditions of participation or point levels,in whole or in part. with or without notice.Changes may affect the points accumulated NEFCU reserves the right to terminate the program for any or all of its Credit Card programs at any time.
You agree to hold any vendors associated with the program, as well as any Credit Card association NEFCU is a member of.totally harmless if NEFCU fails to meet its contractual and other obligations with VISA which results in the program being interrupted or terminated prior to any credits being awarded to you
Please see the full NEFCU Visa Signature Elite Credit Card Guide to Benefits under separate cover for complete program details M-112300 Rev 10/2014
NEFCU Vlse Signaturra
Agreement &Disclosure
VisaSignature Elite Credit Card Interest Rate and Interest Charges
PPca Balance Transfers · 10.99% i
Variable Rate Info: · Your APR may vary.The APR for purchases,cash advances and balance transfers is subject to change annually, by adding a margin or .74 to the Prime Rate Reterlo section4to Varieble Reteintormaton
How to Avoid Paying Interest on Purchases · Your due date s at least 25 days after the close of each billing cycle Ne e cy i pucyo ay you tre by the period of time you can pay your balance in full without paying nterest oouicnses
Chargem Interest · youarchager, hecharewbem hncen
Other Fees and Charges
Annual Fee · As g
Transaction Fees: · Balanoe Transter Fee 2% of transaction amount Cash Advance Fee 2% of transaction amount Foreign Transaction 2% of each transaction in US Dollars
Penalty Fees · ave aymenFeup N$25 Returned Payment (check returned fee) up to $25
How We Will Calculate Your Balance:We use a method called'average daily balance excluding new purchases)
The Terms governing the use of your Credit Card are printed on this form.The terms of your account,including APRs,are subject to change.These Terms may be amended or supplementod by separate notices to you,including any notices you have previously received from us.The Disclosures required by Federal law are also set forth below,including a statement containing important information rogarding your rights to dispute billing errors Keep this form so you can refer to it if you have any questions regarding your account
Terms Governing the Use of Your Card
In this agreement the words"you,'your,and 'cardholder'means or refers to all persons who have signed an application for a NEFCU Visa Signature Elite Credit Card loan plan Woor"Usreferto Nassau Educators Foderal Credit Union(NEFCU)."Card"means the NEFCU Visa Signature Elite Credit Card and any duplicates or renewal we issue Accountmeans your VISA Credit Card Line of Crodit account with us.Convonience Checks means any convenience checks issued by the Credit Union. This is the Cardholder Agreement and Disclosure Statement that governsthe use of your Account. Please read it and keep it for your records.The person (Cardholder)whose name is embossed on the face of the VISA Signature (*Card*) enclosed herewith,and each Cardholder,in the event more than one Card is enclosed herewith bearing the same account number,by signing or using said Card,receipt of which is acknowledged,agrees with NEFCU,the Issuer of the Card,lssuer) as follows
1.Type ofTransactions: Cardholdor shall not use tho Card for any transaction that violates any Federal,State or Local law.Goods and services(Credit Purchasesmay be purchased or loasod by means of such Card by Cardholdor from any retail business establishment Sellerwho honors same upon the execution of a sales slip evidencing such Credit Purchase and boaring the account number of Cardholder embossod on the face of such Card.Additionally.VISA Signature Cash Advances (Loans)may be obtained through use of such Card a upon execution of a written request of Cardholder in a form furnished to the Cardholder from any bank that is a member,alone or in association with others,of VISA U.S.A.Inc.and (b) upon execution of a written separate Agreement with Issuer for a ViSA Signature Overdraft Financing Agreement,if offered by Issuer
