Common use of USING THE CARD Clause in Contracts

USING THE CARD. You must sign your card to use it. To make a purchase or cash advance, there are two alternative procedures to follow. One is for you to present the card to a participating Visa plan merchant, to us or to another financial institution. You may be required to sign the sales or cash advance draft. The other is to complete the transaction by using your Personal Identification Number (PIN) in conjunction with the card in an Automated Teller Machine (ATM) or other type of electronic terminal that provides access to the Visa system. ATM transactions are subject to cash advance fees. The monthly statement will identify the merchant, electronic terminal or financial institution at which transactions were made, but sales, cash advance, credit or other slips cannot be returned with the statement. You should retain the copy of such slips furnished at the time of the transaction in order to verify the monthly statement. The Credit Union may make a reasonable charge for photocopies of slips you may request. We may issue Cash Back Visa Convenience Checks to you which may be used to obtain cash advances. Each Convenience Check will contain your Credit Union member number and may be used only by the person whose name is printed on it. Each must be completed and signed in the same way as a regular personal check. You may not use a Cash Back Visa Convenience Check to pay any amount owed to us on this credit card agreement or any other APGFCU credit card or loans you may have with us. If you give your account number to make a purchase or obtain a cash advance without presenting the card (such as for online, mail order or telephone purchase), the legal effect will still be the same as if the card itself was used by you. We are not responsible if anyone refuses to honor your credit card or Convenience Check.

USING THE CARD. You must sign your card to use it. To make a purchase or cash advance, there are two alternative procedures to follow. One is for you to present the card to a participating Visa VISA plan merchant, to us or to another financial institution. You may be required to sign the sales or cash advance draft. The other is to complete the transaction by using your Personal Identification Number (PIN) in conjunction with the card in an Automated Teller Machine (ATM) or other type of electronic terminal that provides access to the Visa VISA system. ATM transactions are subject to cash advance fees. The monthly statement will identify the merchant, electronic terminal or financial institution at which transactions were made, but sales, cash advance, credit or other slips cannot be returned with the statement. You should retain the copy of such slips furnished at the time of the transaction in order to verify the monthly statement. The Credit Union may make a reasonable charge for photocopies of slips you may request. We may issue Cash Back Visa VISA Convenience Checks to you which may be used to obtain cash advances. Each Convenience Check will contain your Credit Union member number and may be used only by the person whose name is printed on it. Each must be completed and signed in the same way as a regular personal check. You may not use a Cash Back Visa VISA Convenience Check to pay any amount owed to us on this credit card agreement or any other APGFCU credit card or loans you may have with us. If you give your account number to make a purchase or obtain a cash advance without presenting the card (such as for online, mail order or telephone purchase), the legal effect will still be the same as if the card itself was used by you. We are not responsible if anyone refuses to honor your credit card or Convenience Check.