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i 0 411 shown an your bill as soon as possible. We must hear from you no later than sjxlytb0) days after we sent you the first bill on which the error or problem appeared. You can telephone us. 13UT DO1NQ 50 WILL. NO] PRESERVE YOUR RIGHTS. Irk ywn letter, gave 4a the following information: _Your name and amount number, The dallier amount of the oust clod error. -Ditisicribe the error and explain, it you can, why you believe Mora is an error. If you need more information, describe the item you are not sure about. * You do not have to pay griyamovni in question while we are invorligating, but you are atilt obligated to pay the parts of your hjll that are not 1 to etion. While we invest ate your question, we cannot import you as delinquent or lake any action to collect the amount you question. ( CIA, wULE FOR Cft �t'iiT CARD PURCHASES It you have* prolalm w€th the quality of goods or services that you purchased with a credit Gard, and you have tried m good faith to cPrrect the prablorn with leas michant, you may not have to pay the remaining amount due on the goods of services. You have this protection only when therpurrchiese price, was more than $50.00 and the purchase was made in your home state or within 100 miles of your mailing address. (If we own or operate the morchant, or if we mailed you the advertisement for the property or services, all purchases are covered rogardiess of amount: or facefism of purchaser) 1 t. A. MuftiplittCardhakWs: If more than one person signs this Agreement as Cardholder, any singular reference in this Agreement applies to all and aN 1 be lamil ty and severalty liable, which means that First Federal Lincoln may collect from or sue any Cardholder without giving up its rights o9smW the others, Each Cardholder who signs this Agreement agrees that he or she is liable for the repayment of charges incurred by any Caffilhollittar. jointly and severally. S. No Destruction of Card(s): Under no circumstances shall any Cardholder destroy a plastic card issued under this Agreement. C. Return ofCard(s) and Checks Cardholder agrees to promptly return all credit cards and c hacks issuisOon the Account, it asked byFirst Fedwal L ntodoso. U. Cools and Attorney's Fees: Cardholder agrees to pay any expense incurred by First Federal Lincoln, including reasonable attorney's lossand court costa incurred by First Federal Lincoln in attempting to collect any amounts owing under this Agreement, whether or not legal action is broughjt . It any provision of this Agreement is held to be unenforceable, such determination shall not affect the validity of the remaining provisions of the agreement. 1. CREDIT LIMIT. S 30,000 .00 TABLE OF DISCLOSURES 2. MINIMUM MONTHLY PAYMENT: $25.00 or 1.7% of statemented outstanding balance, whichever is greater. 3. CHARGES TO OPEN ACCOUNT: Origination Charge $ 150.00 4. CHARGES TO INCREASE CREDIT LIMIT: Credit Line Increase Charge $ 150.00 5. PERIODIC CHARGES: A. FINANCE CHARGE (1) Variable based on one (11 year U.S. Treasury rate plus 4.00 basis points of interest. (a) At no time will APR be more than 17.95%. 8. Other charges (1) Overlimit Fees (a) 3 of the overlrmit amount or $25.00, whichever is greater. (2) Credit Life Insurance (Optional) Credit Life Insurance is voluntary and not required for credit. it the cardholders) obtains this insurance through First Federal Lincoln, the cost for single credit life (coverage is limited to the first name appearing at top of page 11) of this agreement) is $.096 per $ 100 balance shorn on the monthly periodic statement. If Joint Life coverage is elected, the cost is 5.163 per $100 balance shown on the monthly periodic statement. (Coverage will provide protection for the first name appearing at the top of page (1) of this agreement and one other designated person who is a signer of this age t.) Either coverage is available through age 65. The msured understands that any and all coverage will be cancelled upon altaming their 66th birthday. Evidence of the desire to purchase this insurance is acknowledged by their s gnatuiets) below and a signed enrollment card. 9 Do Want Credit Life Coverage % t D WaM Credit Li a Coverage a x Date : late ! + x Da!r _... Date I hereby acknowledge that I have read and received a copy ^t the )if a Cardholder is married, the Cardholders spouse m4 St Sig", this Agreement Ilia) this is to be a joint account, or ibj both spouses will be Contractually liable on the account, or ic) title to the tr�me 5 in both spouses names t r?: >riM :49 11 1h ar .e ft abide by its terms. late outh,, B ine _ Grand Island, Nebraska 68801 Lify. State., lip (lode FIRST FEDEPA SAVINGS At -0t' LOAN ASSC)(-,IATI )rd Pty% Title; _ Loan Officer