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Business Mastercard® CREDIT CARD AGREEMENT

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Business Mastercard® CREDIT CARD AGREEMENT the conversation is subject to monitoring and/or recording in accordance with You must contact us within 60 days after the error appeared on your statement. At least applicable law. By signing your Signature Card, opening, maintaining or using any 3 days before an automated payment is scheduled, if you want to stop payment on the P.O. Box 1500 Account or service with the Credit Union, you authorize us to contact you via email, amount you think is wrong. You must notify us of any potential errors in writing. You may Dunedin, FL 34697 text or phone, including mobile phone, at any number or email address that you have call us, but if you do we are not required to investigate any potential errors and you may provided or that otherwise reaches you, for any purpose, including but not limited have to pay the amount in question. While we investigate whether or not there has been an 727.431.7680 | 800.593.2274 to service, marketing or debt collection. This consent is regardless of whether the error, the following are true: www.achievacu.com number we use to contact you is assigned to a landline, a paging service, a cellular • We cannot try to collect the amount in question, or report you as delinquent on that wireless service, a specialized mobile radio service, other radio common carrier amount. service or any other service for which you may be charged for the call. You further authorize us to contact you through the use of voice, voicemail and text messaging, • The charge in question may remain on your statement, and we may continue to charge including the use of pre-recorded or artificial voice messages and an automated you interest on that amount. But, if we determine that we made a mistake, you will not dialing device automatic telephone dialing system. You also expressly consent that have to pay the amount in question or any interest or other fees related to that amount. we may send email messages regarding your account to your email address. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. Amendments/Changes in Terms – We may change the terms of this Agreement at any time unless otherwise prohibited by applicable law. We will give you notice of • We can apply any unpaid amount against your credit limit. any changes in accordance and as required by applicable law. The most recent credit card agreement is available on our website at www.achievacu.com. After we finish our investigation, one of two things will happen: Statements and Notices – Statements and notices will be mailed or emailed to you • If we made a mistake, you will not have to pay the amount in question or any interest Business at the most recent postal address or email address you have provided to us. Notice or other fees related to that amount. ® provided to any Account owner will be considered notice to all. Mastercard CREDIT CARD AGREEMENT • If we do not believe there was a mistake, you will have to pay the amount in question, Effective February 10, 2021 Change of Address – If your mailing address or contact information has changed, along with applicable interest and fees. We will send you a statement of the amount or if the address as it appears on this billing statement is incorrect, you must notify You owe and the date payment is due. We may then report you as delinquent if you do us promptly by contacting us at the address or telephone number at the beginning not pay the amount we think you owe. Agreement – This Mastercard Credit Card Agreement together with the Account of this Agreement or use our website at www.achievacu.com. If we note that mail Opening Disclosure and any other subsequent documents provided to you related to If You receive Our explanation but still believe your bill is wrong, you must write to us within addressed to you is returned to us by the United States Postal Service (USPS) with this Account (hereinafter collectively referred to as “Agreement”) is your contract with 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent an address correction label, you authorize us to accept, at our option, the mailing the Credit Union and governs all business Mastercard Accounts (“Accounts”) issued without also reporting that you are questioning your bill. We must tell you the name of address correction provided by USPS to correct the address on your Account. If by Achieva Credit Union. The agreements, disclosures, rules and regulations applicable anyone to whom we reported you as delinquent, and we must let those organizations know you have elected to receive electronic billing statements for this Account, you to your Account including other agreements you have with the Credit Union, now or in when the matter has been settled between us. If we do not follow all of the rules above, must promptly provide us with an update of your correct email address. Your email the future, remain in effect and are made a part of this Agreement by reference unless you do not have to pay the first $50 of the amount you question even if your bill is correct. address may be easily updated by accessing our electronic banking platform specifically modified. “Online Banking” located on our website. A bad address may result in a monthly Your Rights If You Are Dissatisfied With Your Credit Card Purchases – If you are dissatisfied Definitions – In this Agreement, the words “you” and “your” mean each person, each Bad Address Processing Fee as set forth in our current Consumer Schedule of Fees. with the goods or services that you have purchased with your credit card, and you have business or organization (“organization”), and each officer or owner of the organization tried in good faith to correct the problem with the merchant, you may have the right not to Liability for Lost or Stolen Cards or Account Number – If your Card, Account number who agrees to be bound by this Agreement as set forth below. The words “we”, pay the remaining amount due on the purchase. To use this right, all of the following must or other means to access your Account are lost or stolen, or you think someone used “our”, “us” and “Credit Union” means the Credit Union whose name appears on this be true: or may use your Account without your permission, you must notify us at once, orally agreement or anyone to whom the Credit Union transfers this Agreement. The word or in writing, Monday through Friday 9:00 AM to 5:30 PM at the address and phone • The purchase must have been made in your home state or within 100 miles of your “card” means the Mastercard business credit card you receive from the Credit Union number shown on this agreement or by calling 1.800.543.5073 twenty-four (24) hours current mailing address, and the purchase price must have been more than $50.00 and any duplicates, renewals, or substitutions the Credit Union issues to you. The word a day, seven (7) days a week. You will not be liable for unauthorized transactions (Note: Neither of these are necessary if your purchase was based on an advertisement “Account” means the credit card line of credit Account the Credit Union approves for that occur after you notify us of the loss, theft, or possible unauthorized use. You we mailed to you, or if we own the company that sold you the goods or services.) you that is subject to this Agreement. will have no liability for unauthorized purchases made from your Account, unless • You must have used your credit card for the purchase. Purchases made with cash STATEMENT OF BUSINESS PURPOSE – You warrant to us that you are obtaining your you are found to be grossly negligent in the handling of your Card or Account. If advances from an ATM or with a check that accesses your credit card account do not Account for business purposes and that all purchases or cash advances issued on you notify us properly and no gross negligence was found from your part, your qualify. your Account and any other use of your Account will only be for a business purpose. liability will not exceed $50.00 and may be waived under the Mastercard agreement • You must not yet have fully paid for the purchase. You agree that you will never use your Account for any personal, household or family with your Card issuer. If you are an organization with 10 or more employees and purposes. we have issued 10 or more cards on your account for use by your employees, you If all of the criteria above are met and you are still dissatisfied with the purchase, contact may be liable for all unauthorized use of your cards or account before notification us in writing at: PERSONS BOUND – By signing the application request stating your agreement to to us. Unauthorized use does not include use of a card by an authorized user in an Achieva Credit Union, P.O. Box 1500 Dunedin, FL 34697 be bound by this Agreement or by using the card or Account we issue to you, or by unauthorized manner. authorizing an employee to use the card or Account we issue to you, you agree to While we investigate, the same rules apply to the disputed amount as discussed above. be bound by the terms of this Agreement.
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