Common use of Convenience Checks Clause in Contracts

Convenience Checks. We may, from time to time, issue convenience checks to you that may be drawn on your account. Convenience checks may not be used to make a payment on your account. If you use a convenience check, it will be posted to your account as a cash advance. We reserve the right to refuse to pay a convenience check drawn on your account for any reason and such refusal shall not constitute wrongful dishonor. You may request that we stop the payment of a convenience check drawn on your account. You agree to pay any fee as identified in this Agreement imposed to stop a payment on a convenience check issued on your account. You may make a stop payment request orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of the check for payment to give us a reasonable opportunity to act on your request. In addition, your request must accurately describe the check including the exact Account number, the payee, any check number that may be applicable, and the exact amount of the check. If permitted, you may make a stop payment request orally, but such a request will expire after 14 days unless you confirm your request in writing within that time. Written stop payment orders are effective only for six months and may be renewed for additional six-month periods by requesting in writing that the stop payment order be renewed. We are not required to notify you when a stop payment order expires. If we re-credit your account after paying a check over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the payee, to assign to us all of your rights against the payee or other holders of the check and to assist us in any legal action. You agree to indemnify and hold us harmless from all costs and expenses, including attorney's fees, damages, or claims, related to our honoring your stop payment request or in failing to stop payment of an item as a result of incorrect information provided to us or the giving of inadequate time to act upon a stop payment request. Note: A convenience check is not a check as that term is defined under the Uniform Commercial Code. It is an advance from your credit card account with us and your stop payment rights are provided under this Agreement with us.

Convenience Checks. We mayAt our discretion, from time we may issue you a “Convenience Check” to time, issue convenience checks to you that may be drawn obtain credit on your accountthe Account. Use of a Convenience checks Check is a Cash Advance unless the check indicates otherwise. You may not be used to make a payment on your account. If you use a convenience check, it will be posted Convenience Check to your account as a cash advancepay any amount you owe us. We reserve may reject and return unpaid any Convenience Check if: (1) your Account is past due, charged off, bankrupt, lost/stolen, in default, or closed; (2) we suspect fraud; (3) your Account is over the right to refuse to credit limit; or (4) the check has expired, is damaged or cannot otherwise be processed. Unless there has been Unauthorized Use in connection with the Convenience Check, you must pay a convenience check drawn on your account us for any reason Convenience Check we pay, even if we were permitted to reject and such refusal shall not constitute wrongful dishonorreturn the Convenience Check. You may request that we us to stop payment on an unpaid Convenience Check. To do so, contact us at the payment of a convenience check drawn customer service phone number provided on your accountbilling statement. You agree to pay any fee as identified in this Agreement imposed to stop a payment on a convenience check issued on your account. You may make We will charge a stop payment request orally, if permitted, or in writingfee of $20. Your request must be made with sufficient time in advance of the presentment of the check for payment to give us We will have a reasonable opportunity to act on your request. In addition, your request must accurately describe the check including the exact Account number, the payee, any check number that may be applicable, and the exact amount of the check. If permitted, you may make a time after your stop payment request orallyto research and complete the stop payment. We will not be responsible if we cannot complete the stop payment. Reasons may include but are not limited to: (1) the Convenience Check was already paid; (2) you do not give us the information we asked for; or (3) the information you gave us was incorrect. Once received, but such a your stop payment request will expire after 14 days remain valid for six (6) months unless you confirm your request in writing within that time. Written stop payment orders are effective only for six months and may be renewed for additional six-month periods by requesting in writing that the stop payment order be renewed. We are not required or another Cardmember ask us to notify you when a stop payment order expiresremove it. If we re-credit your account Account after paying a check over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the payee, to assign to give us all of your rights against the payee or other holders holder of the check and paid Convenience Check. You also agree to assist help us in any legal actionaction we may later take against the payee or other holder of the Convenience Check. You agree may not issue a postdated Convenience Check on your Account. If you do postdate a Convenience Check, we may elect to indemnify and hold us harmless from all costs and expenses, including attorney's fees, damages, honor it upon presentment or claims, related return it unpaid to our honoring your stop payment request or in failing to stop payment of an item as a result of incorrect information provided the person that presented it to us for payment, without in either case waiting for the date shown on the Convenience Check. We are not liable to you for any loss or expense arising out of the giving of inadequate time action we elect to act upon a stop payment request. Note: A convenience check is not a check as that term is defined under the Uniform Commercial Code. It is an advance from your credit card account with us and your stop payment rights are provided under this Agreement with ustake.

Convenience Checks. We may, from time to time, issue convenience checks to you You that may be drawn on your accountYour Account. Convenience checks may not be used to make a payment on your accountYour Account. If you You use a convenience check, it will be posted to your account Your Account as a cash advance. We reserve the right to refuse to pay a convenience check drawn on your account Your Account for any reason and such refusal shall not constitute wrongful dishonor. You may request that we We stop the payment of a convenience check drawn on your accountYour Account. You agree to pay any fee as identified in this Agreement imposed to stop a payment on a convenience check issued on your accountYour Account. You may make a stop payment request orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of the check for payment to give us Us a reasonable opportunity to act on your Your request. In addition, your Your request must accurately describe the check including the exact Account number, the payee, any check number that may be applicable, and the exact amount of the check. If permitted, you You may make a stop payment request orally, orally but such a request will expire after 14 days unless you You confirm your Your request in writing within that time. Written stop payment orders are effective only for six months and may be renewed for additional six-six month periods by requesting in writing that the stop payment order be renewed. We are not required to notify you You when a stop payment order expires. If we We re-credit your account Your Account after paying a check over a valid and timely stop payment order, you You agree to sign a statement describing the dispute with the payee, to assign to us Us all of your Your rights against the payee or other holders of the check and to assist us Us in any legal action. You agree to indemnify and hold us Us harmless from all costs and expenses, including attorney's fees, damages, or claims, related to our Our honoring your Your stop payment request or in failing to stop payment of an item as a result of incorrect information provided to us Us or the giving of inadequate time to act upon a stop payment request. Note: A convenience check is not a check as that term is defined under the Uniform Commercial Code. It is an advance from your Your credit card account Account with us Us and your Your stop payment rights are provided under this Agreement with usUs.

Convenience Checks. We mayAt our discretion, from time we may issue you a “Convenience Check” to time, issue convenience checks to you that may be drawn obtain credit on your accountthe Account. Use of a Convenience checks Check is a Cash Advance unless the check indicates otherwise. You may not be used to make a payment on your account. If you use a convenience check, it will be posted Convenience Check to your account as a cash advancepay any amount you owe us. We reserve may reject and return unpaid any Convenience Check if: (1) your Account is past due, charged of, bankrupt, lost/stolen, in default, or closed; (2) we suspect fraud; (3) your Account is over the right to refuse to credit limit; or (4) the check has expired, is damaged or cannot otherwise be processed. Unless there has been Unauthorized Use in connection with the Convenience Check, you must pay a convenience check drawn on your account us for any reason Convenience Check we pay, even if we were permitted to reject and such refusal shall not constitute wrongful dishonorreturn the Convenience Check. You may request that we us to stop payment on an unpaid Convenience Check. To do so, contact us at the payment of a convenience check drawn customer service phone number provided on your accountbilling statement. You agree to pay any fee as identified in this Agreement imposed to stop a payment on a convenience check issued on your account. You may make We will charge a stop payment request orally, if permitted, or in writingfee of $20. Your request must be made with sufficient time in advance of the presentment of the check for payment to give us We will have a reasonable opportunity to act on your request. In addition, your request must accurately describe the check including the exact Account number, the payee, any check number that may be applicable, and the exact amount of the check. If permitted, you may make a time after your stop payment request orallyto research and complete the stop payment. We will not be responsible if we cannot complete the stop payment. Reasons may include but are not limited to: (1) the Convenience Check was already paid; (2) you do not give us the information we asked for; or (3) the information you gave us was incorrect. Once received, but such a your stop payment request will expire after 14 days remain valid for six (6) months unless you confirm your request in writing within that time. Written stop payment orders are effective only for six months and may be renewed for additional six-month periods by requesting in writing that the stop payment order be renewed. We are not required or another Cardmember ask us to notify you when a stop payment order expiresremove it. If we re-credit your account Account after paying a check over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the payee, to assign to give us all of your rights against the payee or other holders holder of the check and paid Convenience Check. You also agree to assist help us in any legal actionaction we may later take against the payee or other holder of the Convenience Check. You agree may not issue a postdated Convenience Check on your Account. If you do postdate a Convenience Check, we may elect to indemnify and hold us harmless from all costs and expenses, including attorney's fees, damages, honor it upon presentment or claims, related return it unpaid to our honoring your stop payment request or in failing to stop payment of an item as a result of incorrect information provided the person that presented it to us for payment, without in either case waiting for the date shown on the Convenience Check. We are not liable to you for any loss or expense arising out of the giving of inadequate time action we elect to act upon a stop payment request. Note: A convenience check is not a check as that term is defined under the Uniform Commercial Code. It is an advance from your credit card account with us and your stop payment rights are provided under this Agreement with ustake.

Convenience Checks. If we approve, you may obtain advances under your Account by writing preprinted convenience loan checks that we supply to you. Your use of loan checks will be shown either as a purchase, cash advance, or balance transfer on your monthly statement. We maymay not honor your loan check if: your check is post-dated; payment of the check would exceed your Credit Line; a check is signed by person without authorized access; the amount of the check is less than the minimum required amount; your Ac- count has been terminated or suspended, from time or any drafts have been reported lost or stolen. You may stop payment on a loan check if you provide us with the exact information describing the check. If you give us incorrect information, we will not be responsible for fail- ing to timestop payment. You understand there may be a charge for each stop payment order requested. Our liability for a wrongful dis- honor is limited to your actual charges; however, issue a dishonor for the reasons stated above is not a wrongful dishonor. Only the person whose name is printed on a convenience check may sign it. All convenience checks must be written in U.S. dollars. We will not certify a convenience check. You may write these checks for any amount providing your total outstanding balance does not exceed your available Credit Line and your credit card remains in good standing. We are entitled to you that may be drawn return it unpaid if there is not enough available credit on your accountAccount to pay it, if you are in default under this Agreement, if your card or convenience checks have been re- ported lost or stolen, or if the convenience check is post-dated. Convenience checks A convenience check may not be used to make a payment on your accountcredit card account or any other loan account you have with us. The Credit Union shall have no liability for any convenience check returned in excess of your Credit Line. If we approve your application, this Agreement will constitute a re- volving line of credit for an amount which will be the Credit Line under your Account. We will advise you of the amount of your Credit Line. That amount will be the maximum amount you may have outstanding at any one time. You agree not to attempt to obtain more credit than the amount of your Credit Line. However, if you temporarily exceed your Credit Line, you agree to repay the excess immediately, even if we have not yet billed you. Obtaining such credit does not increase your Credit Line. We retain the right to increase or decrease your Credit Line at any time. Any increase or reduction in the amount of your Credit Line will be shown on your monthly statement or by sep- arate notice together with any changes in the applicable Minimum Monthly Payments. Your eligibility for this Credit Line is determined by our loan policy and may be terminated at our sole discretion, with- out demand or notice. You may close your Credit Line at any time by notifying us in writing and returning all Cards cut in half. If you use termi- nate this Agreement or if we terminate or suspend your credit privi- leges, the provisions of this Agreement and your liability hereunder shall otherwise remain in full force and effect until you have paid us all sums due us under this Agreement and returned all Cards. We will mail you a convenience checkstatement every month if your Account has a balance. You agree that you will pay each month not less than the minimum monthly payment on or before the closing date. The mini- mum monthly payment will be the larger of: (a) 2.0% of your out- . If your outstanding balance is less than $20, it you agree to pay the balance in full. In addition to the minimum monthly payment, you shown on your statement each month by the due date shown on your Statement. You may pay in full for all your purchases and cash ad- vances each month, or you may repay in monthly installments. We can accept late payments or partial payments, or checks, drafts, or under this Agreement, which are hereby explicitly reserved. A credit posting from a merchant or reversal of fees does not constitute a minimum payment. The minimum monthly payment may be allo- such as promotional offers, before higher rate balances, such as cash advances or purchases. Payments in excess of the minimum monthly payment will be allocated first to higher rate balances, as applicable. From time to time, we may allow you to skip your mini- mum monthly payment due. If you choose to skip that payment, In- terest Charges will continue to accrue in accordance with this Agree- ment. Payments received at: XX Xxx 00000, Xxxxx, XX 00000-0000 on or before 5:00 PM Central Time on any business day will be cred- ited to your Account as of that date; payments received by mail at that address after 5:00 PM Central Time or on a weekend will be posted to your account Account as of the next business day. By signing your application, to secure your Account, you grant us a cash advancepurchase money security interest under the Uniform Commercial Code of the state in which you reside in any goods you purchase through your Account. We reserve If you default, we will have the right to refuse to pay a convenience check drawn on recover any of these goods that have not been paid for through application of your account for any reason and such refusal shall not constitute wrongful dishonor. You may request that we stop payments in the payment of a convenience check drawn on your account. You agree to pay any fee as identified manner described in this Agreement imposed to stop a payment on a convenience check issued on your account. You may make a stop payment request orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of the check for payment to give us a reasonable opportunity to act on your requestSection 4. In addition, you grant us a security interest in all your request must accurately describe shares and deposits, pre- sent and future, and all accounts (except Individual Retirement Ac- counts and Xxxxx Accounts) with the check including the exact Credit Union to secure your Account numberand agree, upon default, the payeeCredit Union may apply all that is secured to pay any amounts due under this Agreement, any check number without further notice to you. You further agree that may be applicablecollateral securing other loans with the Credit Union (except loans secured by real property) also secures this Account. Each month, if you have an outstanding balance, we will send you a statement showing new purchases, cash advances, payments, and credits made to your Account during the exact amount of billing period, your Previous Balance, your "Total New Balance," any Interest Charge, and any other charges. Your statement also will identify the checkremaining Credit Line available and the Minimum Monthly Payment you must make for that billing period and the date it is due. If permitted, you may make a stop payment request orally, but such a request will expire after 14 days unless you confirm your request in writing within that time. Written stop payment orders are effective only for six months and may be renewed for additional six-month periods by requesting in writing that the stop payment order be renewed. We are not required to notify you when a stop payment order expires. If we re-credit your account after paying a check over a valid and timely stop payment orderFor statement verification purposes, you agree to sign retain copies of transaction slips resulting from each purchase, each advance, and other transaction on your Account. Unless you notify us of a billing error as described below, you accept your monthly statement describing the dispute with the payee, to assign to us all as an accurate statement of your rights against Account with us. The total outstanding balance of purchases, balance transfers, and cash advances in the payee or other holders Account on the closing date of the check and to assist us in any legal action. You agree to indemnify and hold us harmless from all costs and expensesa billing period, including attorney's feesany Interest Charge, damages, or claims, related to our honoring your stop payment request or in failing to stop payment of an item will be shown on the Periodic Statement for that billing period as a result of incorrect information provided to us or the giving of inadequate time to act upon a stop payment request. Note: A convenience check is not a check as that term is defined under the Uniform Commercial Code. It is an advance from your credit card account with us and your stop payment rights are provided under this Agreement with us"New Balance."

Convenience Checks. We may, from time to time, issue convenience checks to you You that may be drawn on your accountYour Account. Convenience checks may not be used to make a payment on your accountYour Account. If you You use a convenience check, it will be posted to your account Your Account as a cash advance. We reserve the right to refuse to pay a convenience check drawn on your account Your Account for any reason and such refusal shall not constitute wrongful dishonor. You may request that we We stop the payment of a convenience check drawn on your accountYour Account. You agree to pay any fee as identified in this Agreement the CCCAO Disclosure imposed to stop a payment on a convenience check issued on your accountYour Account. You may make a stop payment request orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of the check for payment to give us Us a reasonable opportunity to act on your Your request. In addition, your Your request must accurately describe the check including the exact Account number, the payee, any check number that may be applicable, and the exact amount of the check. If permitted, you You may make a stop payment request orally, orally but such a request will expire after 14 days unless you You confirm your Your request in writing within that time. Written stop payment orders are effective only for six months and may be renewed for additional six-six month periods by requesting in writing that the stop payment order be renewed. We are not required to notify you You when a stop payment order expires. If we We re-credit your account Your Account after paying a check over a valid and timely stop payment order, you You agree to sign a statement describing the dispute with the payee, to assign to us Us all of your Your rights against the payee or other holders of the check and to assist us Us in any legal action. You agree to indemnify and hold us Us harmless from all costs and expenses, including attorney's fees, damages, or claims, related to our Our honoring your Your stop payment request or in failing to stop payment of an item as a result of incorrect information provided to us Us or the giving of inadequate time to act upon a stop payment request. Note: A convenience check is not a check as that term is defined under the Uniform Commercial Code. It is an advance from your Your credit card account Account with us Us and your Your stop payment rights are provided under this Agreement with usUs.

Convenience Checks. We mayIf you are permitted to obtain cash advances on your account, we may from time to time, time issue convenience checks to you that may be drawn on your account. Convenience checks may not be used to make a payment on your accountaccount balance. If you use a convenience check, check it will be posted to your account as a cash advance. We reserve the right to refuse to pay a convenience check drawn on your account for any reason and such refusal shall not constitute wrongful dishonor. You may request that we stop the payment of a convenience check drawn on your account. You agree to pay any fee as identified in this Agreement imposed to stop a payment on a convenience check issued on your account. You may make a stop payment request orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of the check for payment to give us a reasonable opportunity to act on your request. In addition, your request must accurately describe the check including the exact Account account number, the payee, any check number that may be applicable, and the exact amount of the check. If permitted, you You may make a stop payment request orally, orally but such a request will expire after 14 days unless you confirm your request in writing within that time. Written stop payment orders are effective only for six (6) months and may be renewed for additional six-six month periods by requesting in writing that the stop payment order be renewed. We are not required to notify you when a stop payment order expires. If we re-credit your account after paying a check or draft over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the payee, to assign to us all of your rights against the payee or other holders of the check or draft and to assist us in any legal action. You agree to indemnify and hold us harmless from all costs and expenses, including attorney's fees, damages, or claims, related to our honoring your stop payment request or in failing to stop payment of an item as a result of incorrect information provided to us or the giving of inadequate time to act upon a stop payment request. Note: A convenience check is not a check as that term is defined under the Uniform Commercial Code. It is an advance from your credit card account with us and your stop payment rights are provided under this Agreement with us.

Convenience Checks. If we approve, you may obtain advances under your Account by writing preprinted convenience loan checks that we supply to you. Your use of loan checks will be shown either as a purchase, cash advance, or balance transfer on your monthly statement. We maymay not honor your loan check if: your check is post-dated; payment of the check would exceed your Credit Line; a check is signed by person without authorized access; the amount of the check is less than the minimum required amount; your Ac- count has been terminated or suspended, from time or any drafts have been reported lost or stolen. You may stop payment on a loan check if you provide us with the exact information describing the check. If you give us incorrect information, we will not be responsible for fail- ing to timestop payment. You understand there may be a charge for each stop payment order requested. Our liability for a wrongful dis- honor is limited to your actual charges; however, issue a dishonor for the reasons stated above is not a wrongful dishonor. Only the person whose name is printed on a convenience check may sign it. All convenience checks must be written in U.S. dollars. We will not certify a convenience check. You may write these checks for any amount providing your total outstanding balance does not exceed your available Credit Line and your credit card remains in good standing. We are entitled to you that may be drawn return it unpaid if there is not enough available credit on your accountAccount to pay it, if you are in default under this Agreement, if your card or convenience checks have been re- ported lost or stolen, or if the convenience check is post-dated. Convenience checks A convenience check may not be used to make a payment on your accountcredit card account or any other loan account you have with us. The Credit Union shall have no liability for any convenience check returned in excess of your Credit Line. If we approve your application, this Agreement will constitute a re- volving line of credit for an amount which will be the Credit Line under your Account. We will advise you of the amount of your Credit Line. That amount will be the maximum amount you may have outstanding at any one time. You agree not to attempt to obtain more credit than the amount of your Credit Line. However, if you temporarily exceed your Credit Line, you agree to repay the excess immediately, even if we have not yet billed you. Obtaining such credit does not increase your Credit Line. We retain the right to increase or decrease your Credit Line at any time. Any increase or reduction in the amount of your Credit Line will be shown on your monthly statement or by sep- arate notice together with any changes in the applicable Minimum Monthly Payments. Your eligibility for this Credit Line is determined by our loan policy and may be terminated at our sole discretion, with- out demand or notice. You may close your Credit Line at any time by notifying us in writing and returning all Cards cut in half. If you use termi- nate this Agreement or if we terminate or suspend your credit privi- leges, the provisions of this Agreement and your liability hereunder shall otherwise remain in full force and effect until you have paid us all sums due us under this Agreement and returned all Cards. We will mail you a convenience checkstatement every month if your Account has a balance. You agree that you will pay each month not less than the minimum monthly payment on or before the closing date. The mini- mum monthly payment will be the larger of: (a) 2.0% of your out- . If your outstanding balance is less than $20, it you agree to pay the balance in full. In addition to the minimum monthly payment, you shown on your statement each month by the due date shown on your Statement. You may pay in full for all your purchases and cash ad- vances each month, or you may repay in monthly installments. We can accept late payments or partial payments, or checks, drafts, or under this Agreement, which are hereby explicitly reserved. A credit posting from a merchant or reversal of fees does not constitute a minimum payment. The minimum monthly payment may be allo- such as promotional offers, before higher rate balances, such as cash advances or purchases. Payments in excess of the minimum monthly payment will be allocated first to higher rate balances, as applicable. From time to time, we may allow you to skip your mini- mum monthly payment due. If you choose to skip that payment, In- terest Charges will continue to accrue in accordance with this Agree- ment. Payments received at: PO Box 37035, Boone, IA 50037-0035 on or before 5:00 PM Central Time on any business day will be cred- ited to your Account as of that date; payments received by mail at that address after 5:00 PM Central Time or on a weekend will be posted to your account Account as of the next business day. By signing your application, to secure your Account, you grant us a cash advancepurchase money security interest under the Uniform Commercial Code of the state in which you reside in any goods you purchase through your Account. We reserve If you default, we will have the right to refuse to pay a convenience check drawn on recover any of these goods that have not been paid for through application of your account for any reason and such refusal shall not constitute wrongful dishonor. You may request that we stop payments in the payment of a convenience check drawn on your account. You agree to pay any fee as identified manner described in this Agreement imposed to stop a payment on a convenience check issued on your account. You may make a stop payment request orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of the check for payment to give us a reasonable opportunity to act on your requestSection 4. In addition, you grant us a security interest in all your request must accurately describe shares and deposits, pre- sent and future, and all accounts (except Individual Retirement Ac- counts and Xxxxx Accounts) with the check including the exact Credit Union to secure your Account numberand agree, upon default, the payeeCredit Union may apply all that is secured to pay any amounts due under this Agreement, any check number without further notice to you. You further agree that may be applicablecollateral securing other loans with the Credit Union (except loans secured by real property) also secures this Account. Each month, if you have an outstanding balance, we will send you a statement showing new purchases, cash advances, payments, and credits made to your Account during the exact amount of billing period, your Previous Balance, your "Total New Balance," any Interest Charge, and any other charges. Your statement also will identify the checkremaining Credit Line available and the Minimum Monthly Payment you must make for that billing period and the date it is due. If permitted, you may make a stop payment request orally, but such a request will expire after 14 days unless you confirm your request in writing within that time. Written stop payment orders are effective only for six months and may be renewed for additional six-month periods by requesting in writing that the stop payment order be renewed. We are not required to notify you when a stop payment order expires. If we re-credit your account after paying a check over a valid and timely stop payment orderFor statement verification purposes, you agree to sign retain copies of transaction slips resulting from each purchase, each advance, and other transaction on your Account. Unless you notify us of a billing error as described below, you accept your monthly statement describing the dispute with the payee, to assign to us all as an accurate statement of your rights against Account with us. The total outstanding balance of purchases, balance transfers, and cash advances in the payee or other holders Account on the closing date of the check and to assist us in any legal action. You agree to indemnify and hold us harmless from all costs and expensesa billing period, including attorney's feesany Interest Charge, damages, or claims, related to our honoring your stop payment request or in failing to stop payment of an item will be shown on the Periodic Statement for that billing period as a result of incorrect information provided to us or the giving of inadequate time to act upon a stop payment request. Note: A convenience check is not a check as that term is defined under the Uniform Commercial Code. It is an advance from your credit card account with us and your stop payment rights are provided under this Agreement with us"New Balance."

Convenience Checks. Visa - We may, from time to time, issue convenience checks to you You that may be drawn on your accountYour Account. Convenience checks may not be used to make a payment on your accountYour Account. If you You use a convenience check, it will be posted to your account Your Account as a cash advance. We reserve the right to refuse to pay a convenience check drawn on your account Your Account for any reason and such refusal shall not constitute wrongful dishonor. You may request that we We stop the payment of a convenience check drawn on your accountYour Account. You agree to pay any fee as identified in this Agreement imposed to stop a payment on a convenience check issued on your accountYour Account. You may make a stop payment request orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of the check for payment to give us Us a reasonable opportunity to act on your Your request. In addition, your Your request must accurately describe the check including the exact Account number, the payee, any check number that may be applicable, and the exact amount of the check. If permitted, you You may make a stop payment request orally, orally but such a request will expire after 14 days unless you You confirm your Your request in writing within that time. Written stop payment orders are effective only for six months and may be renewed for additional six-six month periods by requesting in writing that the stop payment order be renewed. We are not required to notify you You when a stop payment order expires. If we We re-credit your account Your Account after paying a check over a valid and timely stop payment order, you You agree to sign a statement describing the dispute with the payee, to assign to us Us all of your Your rights against the payee or other holders of the check and to assist us Us in any legal action. You agree to indemnify and hold us Us harmless from all costs and expenses, including attorney's fees, damages, or claims, related to our Our honoring your Your stop payment request or in failing to stop payment of an item as a result of incorrect information provided to us Us or the giving of inadequate time to act upon a stop payment request. Note: A convenience check is not a check as that term is defined under the Uniform Commercial Code. It is an advance from your Your credit card account Account with us Us and your Your stop payment rights are provided under this Agreement with usUs.

Convenience Checks. Visa Platinum - We may, from time to time, issue convenience checks to you You that may be drawn on your accountYour Account. Convenience checks may not be used to make a payment on your accountYour Account. If you You use a convenience check, it will be posted to your account Your Account as a cash advance. We reserve the right to refuse to pay a convenience check drawn on your account Your Account for any reason and such refusal shall not constitute wrongful dishonor. You may request that we We stop the payment of a convenience check drawn on your accountYour Account. You agree to pay any fee as identified in this Agreement imposed to stop a payment on a convenience check issued on your accountYour Account. You may make a stop payment request orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of the check for payment to give us Us a reasonable opportunity to act on your Your request. In addition, your Your request must accurately describe the check including the exact Account number, the payee, any check number that may be applicable, and the exact amount of the check. If permitted, you You may make a stop payment request orally, orally but such a request will expire after 14 days unless you You confirm your Your request in writing within that time. Written stop payment orders are effective only for six months and may be renewed for additional six-six month periods by requesting in writing that the stop payment order be renewed. We are not required to notify you You when a stop payment order expires. If we We re-credit your account Your Account after paying a check over a valid and timely stop payment order, you You agree to sign a statement describing the dispute with the payee, to assign to us Us all of your Your rights against the payee or other holders of the check and to assist us Us in any legal action. You agree to indemnify and hold us Us harmless from all costs and expenses, including attorney's fees, damages, or claims, related to our Our honoring your Your stop payment request or in failing to stop payment of an item as a result of incorrect information provided to us Us or the giving of inadequate time to act upon a stop payment request. Note: A convenience check is not a check as that term is defined under the Uniform Commercial Code. It is an advance from your Your credit card account Account with us Us and your Your stop payment rights are provided under this Agreement with usUs.

Convenience Checks. We may, from time to time, issue convenience checks to you that may be drawn on your account. Convenience checks may not be used to make a payment on your account. If you use a convenience check, it will be posted to your account as a cash advance. We reserve the right to refuse to pay a convenience check drawn on your account for any reason and such refusal shall not constitute wrongful dishonor. You may request that we We stop the payment of a convenience check drawn on your account. You agree to pay any fee as identified in this Agreement imposed to stop a payment on a convenience check issued on your account. You may make a stop payment request orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of the check for payment to give us a reasonable opportunity to act on your request. In addition, your request must accurately describe the check including the exact Account number, the payee, any check number that may be applicable, and the exact amount of the check. If permitted, you may make a stop payment request orally, orally but such a request will expire after 14 days unless you confirm your request in writing within that time. Written stop payment orders are effective only for six months and may be renewed for additional six-six month periods by requesting in writing that the stop payment order be renewed. We are not required to notify you when a stop payment order expires. If we We re-credit your account after paying a check over a valid and timely stop payment order, you You agree to sign a statement describing the dispute with the payee, to assign to us all of your rights against the payee or other holders of the check and to assist us in any legal action. You agree to indemnify and hold us harmless from all costs and expenses, including attorney's fees, damages, or claims, related to our honoring your Your stop payment request or in failing to stop payment of an item as a result of incorrect information provided to us Us or the giving of inadequate time to act upon a stop payment request. Note: A convenience check is not a check as that term is defined under the Uniform Commercial Code. It is an advance from your credit card account Account with us Us and your stop payment rights are provided under this Agreement with us.

Convenience Checks. If we approve, you may obtain advances under your Account by writing preprinted convenience loan checks that we supply to you. Your use of loan checks will be shown either as a purchase, cash advance, or balance transfer on your monthly statement. We maymay not honor your loan check if: your check is post-dated; payment of the check would exceed your Credit Line; a check is signed by person without authorized access; the amount of the check is less than the minimum required amount; your Ac- count has been terminated or suspended, from time or any drafts have been reported lost or stolen. You may stop payment on a loan check if you provide us with the exact information describing the check. If you give us incorrect information, we will not be responsible for fail- ing to timestop payment. You understand there may be a charge for each stop payment order requested. Our liability for a wrongful dis- honor is limited to your actual charges; however, issue a dishonor for the reasons stated above is not a wrongful dishonor. Only the person whose name is printed on a convenience check may sign it. All convenience checks must be written in U.S. dollars. We will not certify a convenience check. You may write these checks for any amount providing your total outstanding balance does not exceed your available Credit Line and your credit card remains in good standing. We are entitled to you that may be drawn return it unpaid if there is not enough available credit on your accountAccount to pay it, if you are in default under this Agreement, if your card or convenience checks have been re- ported lost or stolen, or if the convenience check is post-dated. Convenience checks A convenience check may not be used to make a payment on your accountcredit card account or any other loan account you have with us. The Credit Union shall have no liability for any convenience check returned in excess of your Credit Line. If we approve your application, this Agreement will constitute a re- volving line of credit for an amount which will be the Credit Line under your Account. We will advise you of the amount of your Credit Line. That amount will be the maximum amount you may have outstanding at any one time. You agree not to attempt to obtain more credit than the amount of your Credit Line. However, if you temporarily exceed your Credit Line, you agree to repay the excess immediately, even if we have not yet billed you. Obtaining such credit does not increase your Credit Line. We retain the right to increase or decrease your Credit Line at any time. Any increase or reduction in the amount of your Credit Line will be shown on your monthly statement or by sep- arate notice together with any changes in the applicable Minimum Monthly Payments. Your eligibility for this Credit Line is determined by our loan policy and may be terminated at our sole discretion, with- out demand or notice. You may close your Credit Line at any time by notifying us in writing and returning all Cards cut in half. If you use termi- nate this Agreement or if we terminate or suspend your credit privi- leges, the provisions of this Agreement and your liability hereunder shall otherwise remain in full force and effect until you have paid us all sums due us under this Agreement and returned all Cards. We will mail you a convenience checkstatement every month if your Account has a balance. You agree that you will pay each month not less than the minimum monthly payment on or before the closing date. The mini- mum monthly payment will be the larger of: (a) 2.0% of your out- . If your outstanding balance is less than $20, it you agree to pay the balance in full. In addition to the minimum monthly payment, you shown on your statement each month by the due date shown on your Statement. You may pay in full for all your purchases and cash ad- vances each month, or you may repay in monthly installments. We can accept late payments or partial payments, or checks, drafts, or our rights under this Agreement, which are hereby explicitly reserved. A credit posting from a merchant or reversal of fees does not constitute a minimum payment. The minimum monthly payment may be allo- er rate balances, such as promotional offers, before higher rate balances, such as cash advances or purchases. Payments in excess of the minimum monthly payment will be allocated first to higher rate balances, as applicable. From time to time, we may allow you to skip your mini- mum monthly payment due. If you choose to skip that payment, In- terest Charges will continue to accrue in accordance with this Agree- ment. Payments received at: XX Xxx 00000, Xxxxx, XX 00000-0000 on or before 5:00 PM Central Time on any business day will be cred- ited to your Account as of that date; payments received by mail at that address after 5:00 PM Central Time or on a weekend will be posted to your account Account as of the next business day. By signing your application, to secure your Account, you grant us a cash advancepurchase money security interest under the Uniform Commercial Code of the state in which you reside in any goods you purchase through your Account. We reserve If you default, we will have the right to refuse to pay a convenience check drawn on recover any of these goods that have not been paid for through application of your account for any reason and such refusal shall not constitute wrongful dishonor. You may request that we stop payments in the payment of a convenience check drawn on your account. You agree to pay any fee as identified manner described in this Agreement imposed to stop a payment on a convenience check issued on your account. You may make a stop payment request orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of the check for payment to give us a reasonable opportunity to act on your requestSection 4. In addition, you grant us a security interest in all your request must accurately describe shares and deposits, pre- sent and future, and all accounts (except Individual Retirement Ac- counts and Xxxxx Accounts) with the check including the exact Credit Union to secure your Account numberand agree, upon default, the payeeCredit Union may apply all that is secured to pay any amounts due under this Agreement, any check number without further notice to you. You further agree that may be applicablecollateral securing other loans with the Credit Union (except loans secured by real property) also secures this Account. Each month, if you have an outstanding balance, we will send you a statement showing new purchases, cash advances, payments, and credits made to your Account during the exact amount of billing period, your Previous Balance, your "Total New Balance," any Interest Charge, and any other charges. Your statement also will identify the checkremaining Credit Line available and the Minimum Monthly Payment you must make for that billing period and the date it is due. If permitted, you may make a stop payment request orally, but such a request will expire after 14 days unless you confirm your request in writing within that time. Written stop payment orders are effective only for six months and may be renewed for additional six-month periods by requesting in writing that the stop payment order be renewed. We are not required to notify you when a stop payment order expires. If we re-credit your account after paying a check over a valid and timely stop payment orderFor statement verification purposes, you agree to sign retain copies of transaction slips resulting from each purchase, each advance, and other transaction on your Account. Unless you notify us of a billing error as described below, you accept your monthly statement describing the dispute with the payee, to assign to us all as an accurate statement of your rights against Account with us. The total outstanding balance of purchases, balance transfers, and cash advances in the payee or other holders Account on the closing date of the check and to assist us in any legal action. You agree to indemnify and hold us harmless from all costs and expensesa billing period, including attorney's feesany Interest Charge, damages, or claims, related to our honoring your stop payment request or in failing to stop payment of an item will be shown on the Periodic Statement for that billing period as a result of incorrect information provided to us or the giving of inadequate time to act upon a stop payment request. Note: A convenience check is not a check as that term is defined under the Uniform Commercial Code. It is an advance from your credit card account with us and your stop payment rights are provided under this Agreement with us"New Balance."

Convenience Checks. We may, from time to time, issue convenience checks to you You that may be drawn on your accountYour Account. Convenience checks may not be used to make a payment on your accountYour Account. If you You use a convenience check, it will be posted to your account Your Account as a cash advance. We reserve the right to refuse to pay a convenience check drawn on your account Your Account for any reason and such refusal shall not constitute wrongful dishonor. You may request that we We stop the payment of a convenience check drawn on your accountYour Account. You agree to pay any fee as identified in this Agreement imposed to stop a payment on a convenience check issued on your accountYour Account. You may make a stop payment request orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of the check for payment to give us Us a reasonable opportunity to act on your Your request. In addition, your request must accurately describe the check including the exact Account number, the payee, any check number that may be applicable, and the exact amount of the check. If permitted, you may make a stop payment request orally, but such a request will expire after 14 days unless you You confirm your Your request in writing within that time. Written stop payment orders are effective only for six months and may be renewed for additional six-month periods by requesting in writing that the stop payment order be renewed. We are not required to notify you You when a stop payment order expires. If we reWe Re-credit your account Credit Your Account after paying a check over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the payee, to assign to us Us all of your Your rights against the payee or other holders of the check and to assist us Us in any legal action. You agree to indemnify and hold us Us harmless from all costs and expenses, including attorney's fees, damages, or claims, related to our Our honoring your Your stop payment request or in failing to stop payment of an item as a result of incorrect information provided to us Us or the giving of inadequate time to act upon a stop payment request. Note: A convenience check is not a check as that term is defined under the Uniform Commercial Code. It is an advance from your Your credit card account Account with us Us and your Your stop payment rights are provided under this Agreement with usUs.