Leader Dog Credit Card

Credit Card Disclosures

*APR = Annual Percentage Rate. The introductory rate will be applied to purchases and balance transfers during the first six (6) billing cycles. Rates are subject to terms, conditions and credit qualifications. Rates are subject to change.

**Discounts may be offered by greater Rochester area merchants and are not determined or controlled by Leader Dogs for the Blind or Chief Financial Federal Credit Union. These discounts are offered at the sole discretion of the merchant.

1Share the Rewards Program:

Chief Financial Federal Credit Union (“Chief Financial”) will donate to Leader Dogs for the Blind (“Leader Dogs”) a percentage of the new net retail purchase transaction volume (“net purchases”) charged to the Leader Dogs for the Blind credit card (“card”) during each periodic billing cycle. Net purchases may begin qualifying for donation calculation on the date the card and the card agreement is received by the cardholder. Donations may not be made for cash advances, convenience checks, traveler’s check purchases, finance charges, balance transfers, late fees, annual fees, over-limit fees, transaction fees, returned check fees, ATM transactions and fees or PIN transactions. Donations are made by Chief Financial in accordance with agreements with Leader Dogs and not on behalf of the cardholder. The donations are not eligible for tax deduction by the cardholder or any agent other than Chief Financial. Chief Financial reserves the right to award bonus donations in association with select cardholders’ net retail purchases. Chief Financial reserves the right to disqualify any cardholder from participation in the program. The Share the Rewards program is void where prohibited by federal, state or local law. Chief Financial reserves the right to change the terms and conditions of the Share the Rewards program without written notice. Eligibility in the program is restricted to individuals who have a billing address within the 50 United States or the District of Columbia.

2Rewards! Program:

Visit curewards.com for the full Terms and Conditions of the Rewards! program.

Important Information About Procedures For Opening A New Account: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means to you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. The information that is being requested and observed is for compliance with the requirements of Section 326 of the USA PATRIOT Act related to implementing customer identification and verification requirements.

Interest Rates and Interest Charges