1. OPEN-END CREDIT

2.  “Clear and conspicuous”  Written  In a form the member can keep GENERAL DISCLOSURE REQUIREMENTS

3. What to do about:  Unknown Information?  Multiple Applicants?  Formatting? GENERAL DISCLOSURE REQUIREMENTS

4.  Periodic Statements  Accuracy  Oral Disclosures ANNUAL PERCENTAGE RATE

5. ACCOUNT OPENING DISCLOSURES

6. Format:  Table  Bolding  No Bolding ACCOUNT OPENING DISCLOSURES

7.  APRs  Variable Rate Information  Introductory Rates  Premium Rates  Penalty Rates  Fees for Issuance or Availability  Fixed Finance Charges/Minimum Interest Charge  Transaction Charges  Grace Period  Fees  Website Reference TABLE CONTENTS

8.  Introductory Rate Information  Employee Preferential Rate Information  Balance Computation Method  Billing Error Rights Reference BELOW THE TABLE

9.  Charges imposed as part of the plan  Balance Computation Method  Variable Rate Information  Voluntary Credit Insurance  Security Interests  Statement of Billing Rights DISCLOSURES IN THE AGREEMENT

10. PERIODIC STATEMENTS

11.  General Rules  Timing

12.  Previous Balance  Identification of Transactions  Credits  Periodic Rates  Balance on Which the Finance Charge is Computed  Charges Imposed  Change-in-Terms  Grace Period  Billing Error Address  Closing Date of Billing Cycle and New Balance  Deferred Interest Disclosure CONTENT

13.  Annual Statement  Alternative Summary Statement STATEMENT OF BILLING RIGHTS

14. Disclosures are dependent on:  The account type  The device or feature offered  The time frame in which the device is offered  The offer terms SUPPLEMENTAL CREDIT ACCESS DEVICES

15.  Timing  Member Agreement to Change  Required Content  Formatting Requirements  Exceptions  Reductions in the Credit Limit  Rate Increases due to Delinquency or Default CHANGE IN TERMS

16.  General Information  Payment Specifications  Non-Conforming Payments  Adjustments  Credit Balances  Account Termination PAYMENTS

17.  Definition  Notice  Time Frame for Resolution  Rules Pending Resolution  Procedures if an Error Occurred  Procedures if an Error Did Not Occur  Duties after Resolution  Re-assertion of a Claim BILLING ERRORS

18. Key Concepts:  Existence of a Plan  Repeated Transactions  Reusable Line  Credit Verifications  Verification of Collateral Value MULTI-FEATURE OPEN-ENDED LENDING