Cardholder Agreement and Disclosure StatementPenfed Defender American • December 16th, 2016 • Virginia
DEFINITIONS. The “Card” means the Pentagon Federal Credit Union (PenFed) American Express credit card which we issue to you under this Agreement, and includes any de- vice or check used to obtain credit or cash from the account. An Authorized User is an individual receiving a Card, but who has no responsibility for payment of the Account. The words “you”, “your” and “cardmember” mean each person, jointly and individually who holds, signs, retains, uses, or permits others to use or sign a card. The words “our”, “we” and “us” mean PenFed or any of its assignees. Unless other- wise stated, “Account” means your Card account with us.
