Common use of Replacement Cards Clause in Contracts

Replacement Cards. I understand that in cases of fraud, a FREE replacement card or cards will be issued on my account. However, if I report my card(s) lost or stolen, replacement card(s) will be issued for a small fee once annually. For the 2nd and subsequent replacement cards due to a lost/stolen report, a larger fee may be imposed. The amount of the card replacement fee is available on the Fee Schedule posted at each branch and will be disclosed to me at the time I request the replacement card. Changes in This Agreement. You can increase the finance charge, annual fee or other charges, impose a transaction fee, change the method of calculating interest or make other changes in this agreement provided you give me prior notice as required by law. You can notify me at the address shown on your records. I understand that unless I exercise my right to opt out, these changes will apply to all future balances and future transactions on my account. I understand that if I opt out, my credit limit will be closed and the outstanding balance will be continue to be paid according to the original terms until it is paid in full. Entire Balance Due. You can require that I pay my entire balance at once if I break a promise or anything else happens which significantly impairs my ability to repay. Lost or Stolen Cards. I may be liable for the unauthorized use of my card(s). I will not be liable for unauthorized use that occurs after I notify WESTMARK CREDIT UNION, P.O. Box 2869, Idaho Falls, ID 83403-2869, orally or in writing, of the loss, theft or possible unauthorized use. Telephoning is the best way of keeping my possible losses down. I must tell you AT ONCE. Unless I have been grossly negligent or have engaged in fraud, my liability will not exceed $50.00 if I believe my card, PIN, or other approved access devices have been lost or stolen or that someone has transferred or may transfer money from my account without authorization, and I tell you within two business days. If I do NOT tell you within two business days after I learn of the loss or theft of my card, PIN, or other access devices, and you can prove that the unauthorized electronic transfers could have been prevented if I had notified you, I could lose as much as $500.00. If my card(s) is lost or stolen or if I suspect possible unauthorized use of the card, I will call my local WESTMARK CREDIT UNION office during regular business hours, as soon as possible, or I will contact Card Services at 1-800-453- 4270 during non-business hours. Collection Costs. I will pay all collection costs, including reasonable attorney's fees, to the extent permitted by law, if you are required to take collection action. Law That Applies. This agreement is governed by Idaho law.

Replacement Cards. I understand that in cases of fraud, a FREE replacement card or cards will be issued on my account. However, if I report my card(s) lost or stolen, replacement card(s) will be issued for a small fee once annually. For the 2nd and subsequent replacement cards due to a lost/stolen report, a larger fee may be imposed. The amount of the card replacement fee is available on the Fee Schedule posted at each branch and will be disclosed to me at the time I request the replacement card. Changes in This Agreement. You can increase the finance charge, annual fee or other charges, impose a transaction fee, change the method of calculating interest or make other changes in this agreement provided you give me prior notice as required by law. You can notify me at the address shown on your records. I understand that unless I exercise my right to opt out, these changes will apply to all future balances and future transactions on my account. I understand that if I opt out, my credit limit will be closed and the outstanding balance will be continue to be paid according to the original terms until it is paid in full. Entire Balance Due. You can require that I pay my entire balance at once if I break a promise or anything else happens which significantly impairs my ability to repay. Lost or Stolen Cards. I may be liable for the unauthorized use of my card(s). I will not be liable for unauthorized use that occurs after I notify WESTMARK CREDIT UNION, P.O. Box 2869, Idaho Falls, ID 83403-2869, orally or in writing, of the loss, theft or possible unauthorized use. Telephoning is the best way of keeping my possible losses down. I must tell you AT ONCE. Unless I have been grossly negligent or have engaged in fraud, my liability will not exceed $50.00 if I believe my card, PIN, or other approved access devices have been lost or stolen or that someone has transferred or may transfer money from my account without authorization, and I tell you within two business days. If I do NOT tell you within two business days after I learn of the loss or theft of my card, PIN, or other access devices, and you can prove that the unauthorized electronic transfers could have been prevented if I had notified you, I could lose as much as $500.00. If my card(s) is lost or stolen or if I suspect possible unauthorized use of the card, I will call my local WESTMARK CREDIT UNION office during regular business hours, as soon as possible, or I will contact Card Services at 1-800-453- 4270 during non-business hours. Collection Costs. I will pay all collection costs, including reasonable attorney's fees, to the extent permitted by law, if you are required to take collection action. Law That Applies. This agreement is governed by Idaho law.