b'Credit Union of Colorado, A Federal Credit Union\nVISA PLATINUM PREFERRED and VISA PLATINUM CREDIT CARD AGREEMENT\nCard Services Department: 1390 Logan Street, Denver, CO 80203 (303) 832-4816 1-800-444-4816\nUse of your ACCOUNT or the CARD by you or anyone else who you authorize or permit to use your ACCOUNT or CARD, means you accept this\nAgreement. In this Agreement the words you and your mean each and all of those who apply for the CARD, or who use the ACCOUNT or CARD.\nCARD means the VISA credit card and any duplicates and renewals we issue. ACCOUNT means your VISA Credit Card line of credit account with\nus. We, us, our and Credit Union means Credit Union of Colorado, A Federal Credit Union.\n1. Responsibility. You agree to repay all debts and the FINANCE\nCHARGE arising from the use of the card and the card account. If you\npermit other persons to use your card and access code, you are\nresponsible for any transactions they authorize or conduct on any of your\naccounts. You cannot disclaim responsibility by notifying us, but we will\nclose the account for new transactions if you request. Your obligation to\npay the account balance continues even though an agreement, divorce\ndecree or other court order to which we are not a party may direct you or\none of the other parties to pay the account.\n2. Liability for Unauthorized Use/Lost Card Notification. If you notice\nthe loss or theft of your card or a possible unauthorized use of your card,\nnotify the VISA Network immediately at 1-800-453- 4270 or contact the\ncredit union during normal business hours at 1-800-444-4816 or\n(303)812-1967. You will not be liable for any unauthorized use that\noccurs after you notify us. If a transaction is made with your Visa credit\ncard or the card number without your permission and is either a Visa\nnetwork or Interlink transaction, you will have no liability for the\ntransaction. You will not be liable unless we determine that you were\n"grossly negligent" or fraudulent in the handling of your account. For\ntransactions on other networks, you may be liable for unauthorized use\nthat occurs before you notify us. However, your liability will not exceed\n$50.00.\n3. Credit Line. We will establish a Line of Credit for you when we issue\nthe card. You agree not to let the account balance exceed this approved\nCredit Line. Each payment you make on the account will restore your\nCredit Line by the amount of the payment which is applied to principal.\nYou may request an increase in your Credit Line, which must be\napproved by us. By giving you written notice we may reduce your Credit\nLine from time to time, revoke your card and terminate this Agreement.\nYou may also terminate this Agreement at any time, but termination by\neither of us does not affect your obligation to pay the account balance.\nThe cards remain our property and you must recover and surrender to us\nall cards upon our request and upon termination of this Agreement.\n4. Credit Information. You authorize us to investigate your credit when\nopening, renewing or reviewing your account, and you authorize us to\ndisclose information regarding your account to credit bureaus and other\ncreditors who inquire about your credit standing.\n5. Monthly Payment. We will mail you a monthly statement showing\nyour Previous Balance of purchases and cash advances, the current\ntransactions on your account, the unused available credit, the FINANCE\nCHARGE due on purchases and cash advances, any other billed fees,\nthe total New Balance, and the Minimum Payment. Every month you\nmust pay at least the Minimum Payment. A late fee of $15.00 will be\nimposed on any minimum payment not paid within ten (10) days after the\nscheduled due date. You may authorize us to automatically transfer the\nMinimum Payment from your share or share draft account. You may pay\nmore frequently, pay more than the Minimum Payment, or pay the total\nNew Balance in full, which will reduce the FINANCE CHARGE. The\nMinimum Payment will be either (a) 2% of your total New Balance or\n$20.00, whichever is greater, or your total New Balance, if it is less than\n$20.00, plus (b) any delinquent amounts from prior billing periods or any\namount over limit, whichever is greater. At any time your total New\nBalance exceeds your Credit Line, you must immediately pay the excess.\nPayments are applied as follows (1) to FINANCE CHARGE, (2) higher\ninterest rate balances, (3) lower interest rate balances.\n6. Grace Period. There is a GRACE PERIOD of at least 25 days on\nPurchases if certain conditions are met. You can avoid an interest\ncharge on Purchases by paying the full amount of the new Balance on or\nbefore the Payment Due Date. Otherwise, the new Balance of\nPurchases AND subsequent Purchases will be subject to an interest\ncharge. There is no grace period for cash advances or balance\ntransfers. An interest charge is imposed from the date of posting of each\ncash advance or balance transfer.\n7. How We Calculate Your Balance Subject to Interest Charges. We\nuse a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\nWe figure the interest charge on your account by applying the periodic\nrate to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of your account. To get the \xe2\x80\x9caverage\ndaily balance\xe2\x80\x9d we take the beginning balance of your account each day,\nadd any new purchases or cash advances and other debits, and subtract\nany payments or credits. This gives us the daily balance. Then, we add\nup all the daily balances for the billing cycle and divide the total by the\nnumber of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily\nbalance.\xe2\x80\x9d Fees are not included in the average daily balance\ncalculations. Balance transfers are treated as cash advances.\n8. Interest Charges. The interest charge for each statement cycle is\ndetermined by applying the monthly periodic rate to the average daily\nbalance of your account, including current transactions. The monthly\nperiodic rate will be a variable rate based upon a corresponding ANNUAL\nPERCENTAGE RATE tied to an index. The index is the \xe2\x80\x9cprime rate\xe2\x80\x9d as\npublished in the Money Rate\xe2\x80\x99s table of the Wall Street Journal (Western\nEd.). The index value used for a given billing cycle will be the value\npublished on the last day of your previous billing cycle. If the index is not\npublished on that day, the most recently published value before that date\nwill be used to determine the monthly periodic rate. If more than one\nprime rate is published, the index will be the highest of the rates\npublished. The ANNUAL PERCENTAGE RATE applicable to your\naccount is determined by adding the index and: three percent for\n\nPlatinum Preferred, four percent for Platinum Preferred Rewards, five or\nseven percent for Platinum, and six or eight percent for Platinum\nRewards. The ANNUAL PERCENTAGE RATE for the billing cycle will be\ndivided by twelve to get the monthly periodic rate for the billing cycle. If\nthe Wall Street Journal ceases to publish the index, the credit union will\nchoose a new index and give you notice of its choice. Regardless of the\nindex value, the ANNUAL PERCENTAGE RATE will never exceed 21%\nor the maximum allowed by law. Interest charges are posted on the day\nthat statements are generated by the credit union. An increase in the\nrate may result in an increase in the amount of the interest charge.\n9. Default. You will be in default, and we may, without notifying you in\nadvance, close your Account, cancel all Cards issued on it, and demand\nimmediate payment of your entire balance if any of the following occurs:\nyou fail to make a payment when it is due; you do not follow the terms of\nthe Agreement in any way; you have made any false or misleading\nstatement on the application for your Account; you fail to pay any other\nloans you owe us; you become insolvent or die; there is an attachment,\nexecution, or levy against you or your property; you make an assignment\nfor the benefit of creditors; a bankruptcy petition is filed by or against you;\na guardian, conservator, receiver, custodian, or trustee is appointed for\nyou; you are generally not paying your debts as they come due; or there\nhas been an adverse change in your financial standing. If you are in\ndefault and fail to pay any amounts you owe on your Account, you will be\nliable for our costs of collection and, if we refer this claim to an attorney\nfor collection, you will be liable for any reasonable attorney\xe2\x80\x99s fees we\nincur, plus the costs and expenses of any legal action.\n10. Using the Account. You agree that you will not use your card for\nany transaction that is illegal under applicable federal, state or local law.\nYour Account can be used to purchase goods and services from\nparticipating establishments (\xe2\x80\x9cMerchants\xe2\x80\x9d). When you make a Purchase\nby telephone or mail, you may not receive a receipt or have other\ndocumentation of the transaction. You agree to accept liability for\nPurchases you make or authorize to be made even though no\ndocumentation exists. You can use your Account to obtain cash either by\npresenting your Card at any financial institution that accepts the Card or\nby making a withdrawal of cash at an automatic teller machine (\xe2\x80\x9cATM\xe2\x80\x9d),\nor by making a transfer through Online Banking, mobile banking, or our\nautomated telephone system. These transactions are treated as Cash\nAdvances on your Account. Your monthly statement will identify the\nmerchant, electronic terminal or financial institution where transactions\nwere made. Transaction documents will not be returned with the\nstatement. You must retain your copy of such documents to verify with\nyour monthly statement. There is a charge for photocopies of documents\nyou request. We are not responsible if anyone refuses to honor your\ncard, nor are we responsible for anything purchased with your Card.\n11. Returns and Adjustments. Merchants and other institutions may\ngive credit for returns or adjustments. If your credits and payments\nexceed what you owe us, we will apply this credit balance against future\npurchases and cash advances. If the credit balance on your account is\n$1 or more, we will refund it upon your written request or deposit it in your\nShare savings account automatically after six months.\n12. Foreign Transactions. Purchases, cash withdrawals, and cash\nadvances made in foreign currencies will be debited from your account in\nU.S. Dollars. The exchange rate between the transaction currency and\nthe billing currency used for processing international transactions is a\nrate selected by VISA from a range of rates available in wholesale\ncurrency markets for the applicable central processing date, which rate\nmay vary from the rate VISA itself receives or the government-mandated\nrate in effect for the applicable central processing date. The exchange\nrate used on the processing date may differ from the rate that would have\nbeen used on the purchase date or cardholder statement posting date. A\nfee of 1% of the amount of the transaction, calculated in U.S. dollars, will\nbe imposed on all multi currency foreign transactions, including\npurchases, cash advances and credits to your account. A fee of 0.80%\nof the amount of the transaction, calculated in U.S. dollars, will be\nimposed on all single currency foreign transactions, including purchases,\ncash advances and credits to your account. A foreign transaction is any\ntransaction that you complete or a merchant completes on your card\noutside of the United States, with the exception of U.S. military bases,\nU.S. territories, U.S. embassies or U.S. consulates.\n13. Security Interest. You grant us a security interest in all\nindividual and joint share and/or deposit accounts you have with us\nnow and in the future to secure your credit card account. When you\nare in default, you authorize us to apply the balance in these\naccounts to any amounts due. Shares and deposits in an Individual\nRetirement Account, and any other account that would lose special\ntax treatment under state or federal law if given as security, are not\nsubject to the security interest you have given in your shares and\ndeposits.\n14. Effect of Agreement. This Agreement is the contract which applies\nto all transactions on your account even though the sales, cash advance,\ncredit or other documents you sign or receive may contain different\nterms. We may amend this agreement from time to time by sending you\nthe advance written notice required by law.\n\n\x0c15. Warning - The terms of this agreement may be changed in\naccordance with applicable law. We may modify any of the terms set\nforth in this agreement, including but not limited to the interest charge\nand payment schedule, and any of the terms applicable to the use of the\nCard upon such notice as is required by applicable laws and regulations.\n16. Miscellaneous. (a) We may charge fees from time to time by\nsending you written notice required by law. (b) You agree to pay a fee for\nnon-sufficient fund checks. (c) A late fee of $15.00 will be imposed on\nany minimum payment not paid within ten (10) days of the scheduled due\ndate. This late fee will be added to your account balance. (d) This\nAgreement will be governed by the laws of the State of Colorado and\napplicable federal laws. If any part of this Agreement becomes\nunenforceable, it will not make any other part unenforceable. This\nagreement is severable. (e) All obligations to us shall be paid in U.S.\ndollars at 1390 Logan Street, Denver, Colorado 80203 by mail or at any\n\nCredit Union office. (f) We can accept late payments or partial payments\nor checks or money orders marked "paid in full" or similar language,\nwithout losing any of our rights under this Agreement. (g) If you change\nyour address, you must notify us of your new address within ten days. (h)\nYou may request us to pay off in whole or in part another credit account\nor charge account for you. Monies advanced by this type of request shall\nbe Cash Advances. Our canceled checks shall be conclusive proof of\nthe Cash Advance. (i) Checks you write to access your Account will be\ntreated as Cash Advances when signed by you. All rules and\nagreements regarding checking accounts apply to these checks.\n17. Copy Received. You acknowledge receipt of a copy of this\nAgreement, a copy of the "rights to dispute billing errors" below and the\nElectronic Funds Transfer Disclosure Statement.\n\nYour Billing Rights: Keep This Document For Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at:\nCredit Union of Colorado, A Federal Credit Union\n1390 Logan Street, Denver, CO 80203\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is\na mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is\nwrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential\nerrors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already\ncorrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xef\x82\xb7 If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\n\xef\x82\xb7 If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and\nfees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as\ndelinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to\npay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the\nname of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been\nsettled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even\nif your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to\ncorrect the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an\nadvertisement we mailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check\nthat accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing [or electronically] at:\nCredit Union of Colorado, A Federal Credit Union\n1390 Logan Street, Denver, CO 80203\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell\nyou our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\nRevised 9/15/17 Form 5802\n\n\x0cPlatinum Preferred Rewards Pricing Effective 03/19/2020\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\nBalance Transfers, and\nCash Advances\nPaying Interest\n\n9.25%\nThis APR will vary with the market based on the Prime Rate.\nYour due date is at least 25 days after the close of each billing cycle. We will not charge\nyou any interest on purchases if you pay your entire balance by the due date each month.\nWe will begin charging interest on cash advances and balance transfers on the\ntransaction date.\n\nFor Credit Card Tips from To learn more about factors to consider when applying for or using a credit card, visit the\nwebsite of the Consumer Financial Protection Bureau at\nthe Consumer Financial\nhttp://www.consumerfinance.gov/learnmore\nProtection Bureau\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xef\x82\xb7\nForeign Transaction 1% of each transaction in U.S. dollars for multi currency transactions. 0.80% of each\ntransaction in U.S. dollars for single currency transactions.\nPenalty Fees\n\xef\x82\xb7\nLate Payment\n\n$15\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d See your\nCredit Card Agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card\nAgreement.\n\n\x0c'


b'Credit Union of Colorado, A Federal Credit Union\nVISA PLATINUM PREFERRED and VISA PLATINUM CREDIT CARD AGREEMENT\nCard Services Department: 1390 Logan Street, Denver, CO 80203 (303) 832-4816 1-800-444-4816\nUse of your ACCOUNT or the CARD by you or anyone else who you authorize or permit to use your ACCOUNT or CARD, means you accept this\nAgreement. In this Agreement the words you and your mean each and all of those who apply for the CARD, or who use the ACCOUNT or CARD.\nCARD means the VISA credit card and any duplicates and renewals we issue. ACCOUNT means your VISA Credit Card line of credit account with\nus. We, us, our and Credit Union means Credit Union of Colorado, A Federal Credit Union.\n1. Responsibility. You agree to repay all debts and the FINANCE\nCHARGE arising from the use of the card and the card account. If you\npermit other persons to use your card and access code, you are\nresponsible for any transactions they authorize or conduct on any of your\naccounts. You cannot disclaim responsibility by notifying us, but we will\nclose the account for new transactions if you request. Your obligation to\npay the account balance continues even though an agreement, divorce\ndecree or other court order to which we are not a party may direct you or\none of the other parties to pay the account.\n2. Liability for Unauthorized Use/Lost Card Notification. If you notice\nthe loss or theft of your card or a possible unauthorized use of your card,\nnotify the VISA Network immediately at 1-800-453- 4270 or contact the\ncredit union during normal business hours at 1-800-444-4816 or\n(303)812-1967. You will not be liable for any unauthorized use that\noccurs after you notify us. If a transaction is made with your Visa credit\ncard or the card number without your permission and is either a Visa\nnetwork or Interlink transaction, you will have no liability for the\ntransaction. You will not be liable unless we determine that you were\n"grossly negligent" or fraudulent in the handling of your account. For\ntransactions on other networks, you may be liable for unauthorized use\nthat occurs before you notify us. However, your liability will not exceed\n$50.00.\n3. Credit Line. We will establish a Line of Credit for you when we issue\nthe card. You agree not to let the account balance exceed this approved\nCredit Line. Each payment you make on the account will restore your\nCredit Line by the amount of the payment which is applied to principal.\nYou may request an increase in your Credit Line, which must be\napproved by us. By giving you written notice we may reduce your Credit\nLine from time to time, revoke your card and terminate this Agreement.\nYou may also terminate this Agreement at any time, but termination by\neither of us does not affect your obligation to pay the account balance.\nThe cards remain our property and you must recover and surrender to us\nall cards upon our request and upon termination of this Agreement.\n4. Credit Information. You authorize us to investigate your credit when\nopening, renewing or reviewing your account, and you authorize us to\ndisclose information regarding your account to credit bureaus and other\ncreditors who inquire about your credit standing.\n5. Monthly Payment. We will mail you a monthly statement showing\nyour Previous Balance of purchases and cash advances, the current\ntransactions on your account, the unused available credit, the FINANCE\nCHARGE due on purchases and cash advances, any other billed fees,\nthe total New Balance, and the Minimum Payment. Every month you\nmust pay at least the Minimum Payment. A late fee of $15.00 will be\nimposed on any minimum payment not paid within ten (10) days after the\nscheduled due date. You may authorize us to automatically transfer the\nMinimum Payment from your share or share draft account. You may pay\nmore frequently, pay more than the Minimum Payment, or pay the total\nNew Balance in full, which will reduce the FINANCE CHARGE. The\nMinimum Payment will be either (a) 2% of your total New Balance or\n$20.00, whichever is greater, or your total New Balance, if it is less than\n$20.00, plus (b) any delinquent amounts from prior billing periods or any\namount over limit, whichever is greater. At any time your total New\nBalance exceeds your Credit Line, you must immediately pay the excess.\nPayments are applied as follows (1) to FINANCE CHARGE, (2) higher\ninterest rate balances, (3) lower interest rate balances.\n6. Grace Period. There is a GRACE PERIOD of at least 25 days on\nPurchases if certain conditions are met. You can avoid an interest\ncharge on Purchases by paying the full amount of the new Balance on or\nbefore the Payment Due Date. Otherwise, the new Balance of\nPurchases AND subsequent Purchases will be subject to an interest\ncharge. There is no grace period for cash advances or balance\ntransfers. An interest charge is imposed from the date of posting of each\ncash advance or balance transfer.\n7. How We Calculate Your Balance Subject to Interest Charges. We\nuse a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\nWe figure the interest charge on your account by applying the periodic\nrate to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of your account. To get the \xe2\x80\x9caverage\ndaily balance\xe2\x80\x9d we take the beginning balance of your account each day,\nadd any new purchases or cash advances and other debits, and subtract\nany payments or credits. This gives us the daily balance. Then, we add\nup all the daily balances for the billing cycle and divide the total by the\nnumber of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily\nbalance.\xe2\x80\x9d Fees are not included in the average daily balance\ncalculations. Balance transfers are treated as cash advances.\n8. Interest Charges. The interest charge for each statement cycle is\ndetermined by applying the monthly periodic rate to the average daily\nbalance of your account, including current transactions. The monthly\nperiodic rate will be a variable rate based upon a corresponding ANNUAL\nPERCENTAGE RATE tied to an index. The index is the \xe2\x80\x9cprime rate\xe2\x80\x9d as\npublished in the Money Rate\xe2\x80\x99s table of the Wall Street Journal (Western\nEd.). The index value used for a given billing cycle will be the value\npublished on the last day of your previous billing cycle. If the index is not\npublished on that day, the most recently published value before that date\nwill be used to determine the monthly periodic rate. If more than one\nprime rate is published, the index will be the highest of the rates\npublished. The ANNUAL PERCENTAGE RATE applicable to your\naccount is determined by adding the index and: three percent for\n\nPlatinum Preferred, four percent for Platinum Preferred Rewards, five or\nseven percent for Platinum, and six or eight percent for Platinum\nRewards. The ANNUAL PERCENTAGE RATE for the billing cycle will be\ndivided by twelve to get the monthly periodic rate for the billing cycle. If\nthe Wall Street Journal ceases to publish the index, the credit union will\nchoose a new index and give you notice of its choice. Regardless of the\nindex value, the ANNUAL PERCENTAGE RATE will never exceed 21%\nor the maximum allowed by law. Interest charges are posted on the day\nthat statements are generated by the credit union. An increase in the\nrate may result in an increase in the amount of the interest charge.\n9. Default. You will be in default, and we may, without notifying you in\nadvance, close your Account, cancel all Cards issued on it, and demand\nimmediate payment of your entire balance if any of the following occurs:\nyou fail to make a payment when it is due; you do not follow the terms of\nthe Agreement in any way; you have made any false or misleading\nstatement on the application for your Account; you fail to pay any other\nloans you owe us; you become insolvent or die; there is an attachment,\nexecution, or levy against you or your property; you make an assignment\nfor the benefit of creditors; a bankruptcy petition is filed by or against you;\na guardian, conservator, receiver, custodian, or trustee is appointed for\nyou; you are generally not paying your debts as they come due; or there\nhas been an adverse change in your financial standing. If you are in\ndefault and fail to pay any amounts you owe on your Account, you will be\nliable for our costs of collection and, if we refer this claim to an attorney\nfor collection, you will be liable for any reasonable attorney\xe2\x80\x99s fees we\nincur, plus the costs and expenses of any legal action.\n10. Using the Account. You agree that you will not use your card for\nany transaction that is illegal under applicable federal, state or local law.\nYour Account can be used to purchase goods and services from\nparticipating establishments (\xe2\x80\x9cMerchants\xe2\x80\x9d). When you make a Purchase\nby telephone or mail, you may not receive a receipt or have other\ndocumentation of the transaction. You agree to accept liability for\nPurchases you make or authorize to be made even though no\ndocumentation exists. You can use your Account to obtain cash either by\npresenting your Card at any financial institution that accepts the Card or\nby making a withdrawal of cash at an automatic teller machine (\xe2\x80\x9cATM\xe2\x80\x9d),\nor by making a transfer through Online Banking, mobile banking, or our\nautomated telephone system. These transactions are treated as Cash\nAdvances on your Account. Your monthly statement will identify the\nmerchant, electronic terminal or financial institution where transactions\nwere made. Transaction documents will not be returned with the\nstatement. You must retain your copy of such documents to verify with\nyour monthly statement. There is a charge for photocopies of documents\nyou request. We are not responsible if anyone refuses to honor your\ncard, nor are we responsible for anything purchased with your Card.\n11. Returns and Adjustments. Merchants and other institutions may\ngive credit for returns or adjustments. If your credits and payments\nexceed what you owe us, we will apply this credit balance against future\npurchases and cash advances. If the credit balance on your account is\n$1 or more, we will refund it upon your written request or deposit it in your\nShare savings account automatically after six months.\n12. Foreign Transactions. Purchases, cash withdrawals, and cash\nadvances made in foreign currencies will be debited from your account in\nU.S. Dollars. The exchange rate between the transaction currency and\nthe billing currency used for processing international transactions is a\nrate selected by VISA from a range of rates available in wholesale\ncurrency markets for the applicable central processing date, which rate\nmay vary from the rate VISA itself receives or the government-mandated\nrate in effect for the applicable central processing date. The exchange\nrate used on the processing date may differ from the rate that would have\nbeen used on the purchase date or cardholder statement posting date. A\nfee of 1% of the amount of the transaction, calculated in U.S. dollars, will\nbe imposed on all multi currency foreign transactions, including\npurchases, cash advances and credits to your account. A fee of 0.80%\nof the amount of the transaction, calculated in U.S. dollars, will be\nimposed on all single currency foreign transactions, including purchases,\ncash advances and credits to your account. A foreign transaction is any\ntransaction that you complete or a merchant completes on your card\noutside of the United States, with the exception of U.S. military bases,\nU.S. territories, U.S. embassies or U.S. consulates.\n13. Security Interest. You grant us a security interest in all\nindividual and joint share and/or deposit accounts you have with us\nnow and in the future to secure your credit card account. When you\nare in default, you authorize us to apply the balance in these\naccounts to any amounts due. Shares and deposits in an Individual\nRetirement Account, and any other account that would lose special\ntax treatment under state or federal law if given as security, are not\nsubject to the security interest you have given in your shares and\ndeposits.\n14. Effect of Agreement. This Agreement is the contract which applies\nto all transactions on your account even though the sales, cash advance,\ncredit or other documents you sign or receive may contain different\nterms. We may amend this agreement from time to time by sending you\nthe advance written notice required by law.\n\n\x0c15. Warning - The terms of this agreement may be changed in\naccordance with applicable law. We may modify any of the terms set\nforth in this agreement, including but not limited to the interest charge\nand payment schedule, and any of the terms applicable to the use of the\nCard upon such notice as is required by applicable laws and regulations.\n16. Miscellaneous. (a) We may charge fees from time to time by\nsending you written notice required by law. (b) You agree to pay a fee for\nnon-sufficient fund checks. (c) A late fee of $15.00 will be imposed on\nany minimum payment not paid within ten (10) days of the scheduled due\ndate. This late fee will be added to your account balance. (d) This\nAgreement will be governed by the laws of the State of Colorado and\napplicable federal laws. If any part of this Agreement becomes\nunenforceable, it will not make any other part unenforceable. This\nagreement is severable. (e) All obligations to us shall be paid in U.S.\ndollars at 1390 Logan Street, Denver, Colorado 80203 by mail or at any\n\nCredit Union office. (f) We can accept late payments or partial payments\nor checks or money orders marked "paid in full" or similar language,\nwithout losing any of our rights under this Agreement. (g) If you change\nyour address, you must notify us of your new address within ten days. (h)\nYou may request us to pay off in whole or in part another credit account\nor charge account for you. Monies advanced by this type of request shall\nbe Cash Advances. Our canceled checks shall be conclusive proof of\nthe Cash Advance. (i) Checks you write to access your Account will be\ntreated as Cash Advances when signed by you. All rules and\nagreements regarding checking accounts apply to these checks.\n17. Copy Received. You acknowledge receipt of a copy of this\nAgreement, a copy of the "rights to dispute billing errors" below and the\nElectronic Funds Transfer Disclosure Statement.\n\nYour Billing Rights: Keep This Document For Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at:\nCredit Union of Colorado, A Federal Credit Union\n1390 Logan Street, Denver, CO 80203\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is\na mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is\nwrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential\nerrors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already\ncorrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xef\x82\xb7 If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\n\xef\x82\xb7 If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and\nfees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as\ndelinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to\npay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the\nname of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been\nsettled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even\nif your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to\ncorrect the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an\nadvertisement we mailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check\nthat accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing [or electronically] at:\nCredit Union of Colorado, A Federal Credit Union\n1390 Logan Street, Denver, CO 80203\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell\nyou our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\nRevised 9/15/17 Form 5802\n\n\x0cPlatinum Preferred Pricing Effective 03/19/2020\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\nBalance Transfers, and\nCash Advances\nPaying Interest\n\n8.25%\nThis APR will vary with the market based on the Prime Rate.\nYour due date is at least 25 days after the close of each billing cycle. We will not charge\nyou any interest on purchases if you pay your entire balance by the due date each month.\nWe will begin charging interest on cash advances and balance transfers on the\ntransaction date.\n\nFor Credit Card Tips from To learn more about factors to consider when applying for or using a credit card, visit the\nwebsite of the Consumer Financial Protection Bureau at\nthe Consumer Financial\nhttp://www.consumerfinance.gov/learnmore\nProtection Bureau\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xef\x82\xb7\nForeign Transaction 1% of each transaction in U.S. dollars for multi currency transactions. 0.80% of each\ntransaction in U.S. dollars for single currency transactions.\nPenalty Fees\n\xef\x82\xb7\nLate Payment\n\n$15\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d See your\nCredit Card Agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card\nAgreement.\n\n\x0c'