b'or more, we will refund it to you on your written request. If we do\nnot receive a refund request, we will automatically post the credit\nto your EECU share savings account. We reserve the right to\ndelay increasing your credit limit or delay disbursing credit\nbalance refunds until final collection of non-cash payments on\nyour account for the maximum period allowed by law.\nDEFAULT\nYou will be in default if you fail to make any Minimum\nPayment when due in the proper amount, or if you fail to live\nup to the terms of this agreement. You will also be in default\nif your creditworthiness materially declines, you become\ninsolvent, you file for bankruptcy relief, you die, or you cease\nto be a member of the Credit Union. In addition, you will be\nin default if you have made misleading or incorrect\nstatements or material omissions of information in your\ncredit application, or you fail to notify the Credit Union of a\nchange of your employment, your name, or your address.\nEven if the Credit Union accepts a late payment or a partial\npayment, we are not waiving our right to accelerate payment\nof the account and declare the entire unpaid balance due.\nWe have the right to demand immediate payment of your full\naccount balance if you default, subject to our giving you any\nnotice required by law. You agree to pay our reasonable\ncollection costs before we take legal action. If we take legal\naction to collect what you owe, you agree to pay our\nreasonable attorney\'s fees and court costs, whether the\naction we take is a collection suit, an action to enforce a\njudgment against you, or an action to protect our interests if\nyou become a bankruptcy debtor. Collection costs and\nattorney\'s fees will post to your Visa account balance as\nCash Advances and bear interest at the rate applicable to\nyour Visa account until paid in full.\n\nCHANGES IN AGREEMENT TERMS\nYour EECU Visa Account Agreement and Disclosure is your\nagreement with EECU governing your credit card transactions,\neven though sales and Cash Advance slips and other\ndocuments you sign related to your transactions may have\ndifferent terms printed on them. This Agreement can only be\nmodified by a writing signed by an authorized EECU\nrepresentative, an official EECU change in terms notice, or the\norder of a court to whose jurisdiction we are subject, such as\na bankruptcy court. No oral statements by EECU employees\ncan alter the terms of this Agreement.\nChanges in terms, unless favorable to you, will generally apply\nonly to transactions made after the effective date of the\nchange, as specified by applicable state and federal laws and\nregulations. If required by law, we will permit you to reject\ncertain types of changes, by providing the Credit Union with an\nopt-out notice and closing your account. You would then be\npermitted to repay any balance on the account under the\nterms in effect prior to the changes or as permitted by law.\nCANCELLATION/TERMINATION OF AGREEMENT\nYou or any jointly obligated party may cancel this agreement at\nany time by notifying us in writing. If we have given you a\nwritten notice of cancellation and you wish to have your\n\naccount re-evaluated for a new line of credit, you must reapply\nand be approved.\n\nNotify Us in Case of Errors or Questions About Your\nStatement or Electronic Transfers\n\nWe may reduce your credit line from time to time, or with good\ncause, revoke your card and terminate this agreement. We will\ngive you thirty days\' notice before we reduce or terminate your\naccount without cause. But as indicated, if you breach this\nagreement we can terminate it without prior notice to you.\nTermination by either of us does not affect your obligation to\npay the account balance, including finance charges. Cards\nand loan drafts remain our property and you must recover and\nsurrender to us all cards and loan drafts upon our request and\nupon termination of this agreement.\n\nIf you think your statement or other documentation is wrong or\nif you need more information about a transaction on your\nstatement, write us on a separate sheet at: Educational\nEmployees Credit Union, Card Services, P.O. Box 5242, Fresno\nCA 93755-5242. Write to us as soon as possible. We must hear\nfrom you no later than 60 days after the error appeared on the\nfirst statement. You can telephone us at (559) 437-7700 or toll\nfree at (800) 538-EECU, but doing so will not preserve your\nrights.\n\nCREDIT INFORMATION RETAINED AND PROVIDED TO\nOTHERS\nYou authorize us to investigate your credit standing when\nopening, renewing, or reviewing your account, and you\nauthorize us to disclose information regarding your account to\ncredit bureaus and other creditors who inquire of us about your\ncredit standing, to the extent authorized by law.\nAs required by law, you are hereby notified that a negative\ncredit report reflecting on your credit record may be submitted\nto a credit reporting agency, if you fail to fulfill the terms of your\ncredit obligation.\nPERMISSION TO CONTACT YOU\nBy providing your telephone number you give the Credit Union\n(and its agents, third party representatives and service\nproviders) permission to contact you regarding your accounts,\ntransactions and services using live representatives,\nautomated dialing services, prerecorded messages and text\nmessages. You give the Credit Union permission to leave\nmessages, including pre-recorded/artificial voice messages,\nrelating to your accounts, transactions and services. If you\nprovide a cellular/mobile number you understand that your\ncarrier may charge fees to receive calls, messages or texts.\nYou agree to, at all times, provide the Credit Union with at least\none telephone number at which you can be reached during\nbusiness hours.\n\nYOUR BILLING RIGHTS\nKEEP THIS NOTICE FOR FUTURE USE\nSTATE AND LOCAL LAW: The following summary of your\nrights under federal law does not cover all rights you may\nhave under State and Local law. If, under State or local law,\nyou have a longer period of time in which to send an inquiry\nto the Credit Union concerning your statement, reliance on\nany such longer time period may result in your losing\nimportant rights which could be preserved by acting more\npromptly under federal law. State or local provisions, if any,\nonly become operative upon the expiration of the time\nperiod provided by Federal Regulation Z for submitting a\nproper written notification of an error. This notice contains\nimportant information about your rights and responsibilities\nunder the Fair Credit Billing Act.\n\nIn your letter, give us the following information:\n\xe2\x80\xa2 Your name and account number.\n\xe2\x80\xa2 The dollar amount of the suspected error.\n\xe2\x80\xa2 A description of the error and explanation of why you believe\nthere is an error. If you need more information, describe the\nitem you are not sure about.\nHow to Stop Payment of a Pre-authorized Electronic\nFund Transfer\nIf you have authorized us to make your Visa payment\nautomatically from your share draft account, you can stop the\npayment on any amount you think is wrong. To stop payment\nyou must contact us in writing within 3 business days before\nthe automatic payment is scheduled to occur. If you telephone\nyour request, we will require you to confirm your verbal request\nin writing. If you order us to stop one of these payments 3\nbusiness days or more before the transfer is scheduled, and\nwe do not do so, we will be liable for your losses or damages\nup to the amount of the transfer.\nYour Rights and Our Responsibilities After We Receive\nYour Written Notice of Error\nWe must acknowledge your letter within 30 days, unless we have\ncorrected the error by then. Within 90 days, we must either correct\nthe error or explain why we believe the statement is correct.\nAfter we receive your letter and if you have not yet paid the\ndisputed amount, we cannot try to collect any amount you\nquestion, or report you as delinquent. We can continue to bill\nyou for the amount you question, including finance charges,\nand we can apply any unpaid amount against your credit limit.\nYou do not have to pay the questioned amount while we are\ninvestigating, but you are still obligated to pay the parts of your\nstatement that are not in question.\nIf we find that we made a mistake on your statement, you will not\nhave to pay any finance charges related to any questioned\namount. If we did not make a mistake, you may have to pay the\nfinance charge, and you will have to make up any missed\npayments on the questioned amount. In either case, we will send\nyou a statement of the amount you owe and the date that it is due.\nIf you fail to pay the amount that we think you owe, we may\nreport you as delinquent. However, if our explanation does not\nsatisfy you and you write to us within 10 days telling us that you\nstill refuse to pay, we must tell anyone we report you to that you\nhave a question about your statement. We must tell you the\nname of anyone we reported you to and we must let them\nknow when the matter has been settled.\n\nSpecial Rule for Credit Card Purchases\nIf you have a problem with the quality of property or services\nthat you purchase with a credit card and you have tried in good\nfaith to correct the problem with the merchant, you may have\nthe right not to pay the remaining amount due on the property\nor services. There are two limitations on this right:\na) You must have made the purchase in your home state, or if\nnot within your home state within 100 miles of your current\nmailing address; and\n(b) The purchase price must have been more than $50. These\nlimitations do not apply if we own or operate the merchant,\nor if we mailed you the advertisement for the property or\nservices.\nUnder California law our right to recover outstanding credit\nextended to you for Purchases is subject to any defenses that\nyou have against the seller, if:\n1. The purchase price of the item in question exceeded $50;\n2. The purchase was made in California;\n3. You made a written demand on the retailer and made a\ngood faith attempt to get satisfaction of your complaint;\nand\n4. You notify us, in writing, of the name of the seller, the date\nof purchase, the price paid, the goods or services\npurchased, the nature of your defense and the acts which\nyou took to obtain satisfaction from the seller.\nThe amount to which the defense applies is limited to the\namount outstanding on the purchase as well as late charges\nand finance charges at the time the written demand is\nreceived by us. This remedy is the only one you have against\nus. Your rights are limited to those circumstances outlined in\nCalifornia Civil Code \xc2\xa7 1747.90. Purchases with cash or check\nare not included in this section, even though you used your\ncredit card to validate your credit. We cannot penalize you by\neither giving out unfavorable credit information about you or\ncanceling or refusing to renew your credit card solely because\nyou obtained relief under the remedies you have for correcting\nbilling errors.\nTERMS APPLICABLE TO VISA PLATINUM MYEECU\nREWARDS PROGRAM\nVisa Platinum cardholders may participate in the MYEECU\nRewards program which is governed by the Program Rules\noutlined in the CURewards brochure. The following additional\nrules apply to the CURewards program:\na. No points are earned for a balance transfer from an existing\nEECU Visa account or from another credit card.\nb. Points will accrue over five calendar years and will expire on\na first-in-first-out basis annually; points earned in calendar\nyear one will expire as of the last day of calendar year five.\n(For example, points earned in 2014 will expire December\n31, 2019; points earned in 2015 will expire December 31,\n2020, etc.).\nc. If your account is closed or becomes inactive for 18\nconsecutive months or if you fail to make the minimum\npayment due by the payment due date for two consecutive\nbilling periods, your points may be forfeited.\n\nATM DISCLOSURE\nYou may use your card to obtain Cash Advances through\nAutomated Teller Machines that are part of a nationwide network\nof Visa ATMs. These special provisions apply.\nAVAILABLE SERVICES\n1. The amount of cash you can obtain may vary depending on\nthe ATM you use.\n2. ATM service is generally available seven days a week, 24\nhours a day.\nDOCUMENTATION OF TRANSACTIONS\nCash Advances using your Visa card at an ATM will be shown on\na transaction receipt and on your periodic statement.\nCREDIT UNION LIABILITY\nIf we do not properly complete a transaction according to our\nagreement with you, we will be liable for your direct losses or\ndamages. However, there are some exceptions. We will not be\nliable, if:\na. through no fault of ours, you do not have sufficient available\ncredit to make the transaction;\nb. the ATM system was not working properly and you knew\nabout the breakdown when you started the transaction;\nc. the money in your account is subject to legal process or other\nclaim;\nd. your PIN (Personal Identification Number) has been reported\nmissing and we have blocked its use;\ne. circumstances beyond our control, such as fire, flood,\nelectrical failure, or malfunction of the central data processing\nfacility prevent the completion of the transaction despite our\nreasonable precautions; or\nf. there are other lawful exceptions established by us and you\nare given proper advance notice of them.\nIn no event will the Credit Union be liable for consequential\nindirect costs or damages.\nFEES\nIf you perform a Cash Advance at an ATM not owned by us, the\nowner of the ATM may charge an ATM transaction fee.\nSECURITY\nDo not use an ATM unless it appears safe to do so. Do not key\nin your PIN if someone is looking. Be sure you take your card and\nreceipt when you are done. Put your money away quickly and\nleave the site.\n\nVISA ACCOUNT AGREEMENT\nand\nDISCLOSURE\nEDUCATIONAL EMPLOYEES CREDIT UNION\nShaded Paragraphs Are Truth in Lending Requirements.\nThis agreement outlines the terms and conditions of your\nEducational Employees Credit Union Visa account and provides\ncertain disclosure information required by government\nregulations. Keep this disclosure with your permanent\ndocuments.\nIn this document, the words "you," "your," and "yours," refer to\neach and all of those who apply for a Visa credit card, sign the\nagreement, or all parties who use the card. The words "we," "us,"\n"our," \xe2\x80\x9cCredit Union,\xe2\x80\x9d and \xe2\x80\x9cEECU\xe2\x80\x9d refer to the Educational\nEmployees Credit Union. The term "card" refers to the Visa\ncredit card received with this agreement and any duplicates\nand/or renewals we issue. The term "account" refers to your Visa\ncredit card line of credit account with us.\nYou acknowledge receipt of a copy of this Visa Account\nAgreement and Disclosure. By using the card, any access\ndevice, or by authorizing another person to use your account,\nyou agree to and accept the terms as stated.\nGENERAL TERMS\nThe terms of this agreement must be read together as part of the\nwhole agreement. When the singular is used the plural is implied\nif there is more than one signer. If any part of this agreement is\nfound to be invalid the other parts shall remain in effect.\nAny borrower who receives a card issued under this agreement\nmust be a member of this Credit Union.\nYOUR RESPONSIBILITY\nIf your application is approved, each applicant will receive a card\nand will be able to use the account. The applicants may also\nreceive Visa convenience checks from time to time at the Credit\nUnion\'s option. Each applicant is liable to repay the account\nunder the terms of this agreement.\n\nFederally Insured by NCUA\n\xc2\xa9EECU\n(V.2.22.2010)\n\nDISC 2 25M (12/15)\n\nM-116986\n\nYou agree to make your payments when due, and in an amount\n\n\x0cnot smaller than the minimum monthly payment required as\ndisclosed in the paragraph entitled, "Making Payments." On a\njoint account, each party is equally responsible for all charges\nunder this agreement, even though another person has been\ndirected to pay the debt by agreement of court order such as a\ndivorce decree. You agree to notify us immediately of any change\nin your name, address, or any change in your financial condition\nwhich may affect your ability to repay.\nPERSONS USING YOUR ACCOUNT\nYou are obligated to repay any charges resulting from the use\nof the card or a Visa convenience check by another person\nwith your permission whether or not the person stays within\nthe limits set by you. If you notify us that a previously\nauthorized user is no longer authorized to use the account, we\nwill follow our usual procedures to preclude their further use of\nthe account. If you cannot get the card back from the user, you\nmust let us know and we will treat the card as stolen.\nOtherwise you must return the card to us. You will be liable for\nall use of the card up to the time you notify us that the\nauthorization is terminated.\nAny persons who use the card or convenience checks are also\nobligated to repay the Credit Union for all charges incurred\nbecause of their use of the card or loan drafts.\nOUR RESPONSIBILITY\nIf you have available credit and are not otherwise in default, we\nwill honor Purchases and Balance Transfers up to your credit limit\nand Cash Advances up to your Cash Advance limit. We will\nprovide you with a timely monthly statement that contains all\ninformation and disclosure required by law.\nLOST/STOLEN OR UNAUTHORIZED USE OF CARD\nUnless you have notified us that the card has been lost or\nstolen, all transactions, whether made by you or another\nperson, will be assumed to have been made with your\nconsent. You agree to report the loss, theft, or unauthorized\nuse of your card promptly. Report your lost/stolen card to (559)\n437-7700 or (800) 538-EECU. You may also write to us at P.O.\nBox 5242, Fresno CA 93755-5242. Calling us is the best way\nto keep losses down. Per Visa operating rules, you will\ngenerally have no liability for unauthorized use of your card.\nHowever, it benefits all Credit Union members if losses due to\nunauthorized use claims are kept to a minimum.\nThe zero liability rule does not apply to certain point-of-sale and\nATM transactions as set forth in Visa operating rules. Your\nmaximum liability for unauthorized use of a Visa credit card for\nthese point-of-sale or ATM transactions is $50. Your liability may\nincrease if you report the loss or theft of your card more than two\nbusiness days (48 hours) after the discovery of the loss or theft.\nYou will have no liability for unauthorized transactions that occur\nafter you report the loss or theft of your card to us.\nYou may create a special "Verified by Visa" password to verify\nyour identity and provide added protection to your online\nPurchases. You can create your own password at\nwww.visa.com/verified.\n\nHOW TO USE YOUR VISA ACCOUNT\nYour Visa account can be accessed in the ways detailed below.\nYour monthly Visa statement will identify the merchant, electronic\nterminal, or financial institution at which transactions were made;\nbut sales, Cash Advances, and credit slips cannot be returned with\nthe statement. You will retain your copy of such slips furnished at\nthe time of the transaction in order to verify the monthly statement.\n(a) Cash Advances: You may obtain Cash Advances on your Visa\naccount at any branch of the Credit Union up to your cash\nadvance limit, which may be lower than your credit limit. You\nmay obtain Cash Advances at other financial institutions that\nhonor Visa cards, subject to those institutions\' limitations.\nCash Advances are subject to fees as outlined in the \xe2\x80\x9cOTHER\nCHARGES\xe2\x80\x9d section of this agreement.\n(b) Cash Advances at an Automated Teller Machine (ATM): ATMs\nlocated across the nation will disburse Cash Advances on\nyour card; a Visa emblem will be shown on the face of each\nmachine. To receive a Cash Advance from a participating Visa\nATM, you must insert your card and input your Personal\nIdentification Number (PIN) which you will receive within 5 to\n10 days after you receive your card. The maximum Cash\nAdvance may vary between ATMs. The use of your credit card\nfor ATM access is subject to additional ATM disclosure terms.\nCash Advances are subject to fees as outlined in the \xe2\x80\x9cOTHER\nCHARGES\xe2\x80\x9d section of this agreement.\nIMPORTANT: FOR YOUR PROTECTION, DO NOT WRITE\nYOUR PIN NUMBER ON YOUR CARD OR KEEP IT NEAR\nYOUR CARD.\n(c) Purchases: You may use your Visa card for Purchases anywhere\nthe card is honored by presenting the card to the merchant and\nsigning the sales slip or voucher. You can also make Purchases\nby mail, telephone, or via the internet by providing the merchant\nwith your card number and expiration date.\n(d) Visa Convenience Checks: The Credit Union from time to time\nmay send you Visa convenience checks. You can use them to\nmake Purchases or to obtain loan advances. You may not use\nthe convenience checks to pay any outstanding balance you\nowe under this agreement. Visa convenience checks are\ntreated as a Cash Advance for purposes of calculating finance\ncharges, whether you use them to make a Purchase or to\nobtain a Cash Advance. Use of Visa convenience checks are\nsubject to fees as outlined in the \xe2\x80\x9cOTHER CHARGES\xe2\x80\x9d section\nof this agreement.\nVisa convenience checks are subject to the following\nadditional rules: (i) Merchant dispute rights to which credit\ncards are subject do not apply to use of Visa convenience\nchecks. (ii) To stop payment on a Visa convenience checks,\nyou must provide your account number, the draft number and\nthe exact amount of the draft; otherwise our computer system\nwill not be able to find the draft and stop payment on it and you\nwill need to resolve any disputes directly with the payee of the\ndraft. (iii) Destroy any Visa convenience checks you do not\nwish to use. (iv) We will not be responsible for unauthorized\nconvenience checks paid on your account unless you report\nthem to us within 60 days after we mail you the first statement\non which they appear. (v) Report any lost or stolen\nconvenience checks immediately; otherwise you may be liable\nif an unauthorized convenience check is paid on your account.\n\n(e) Foreign Transactions: Purchases and Cash Advances made\nin foreign countries and foreign currencies will be billed to\nyou in U.S. dollars. The exchange rate between the\ntransaction currency and the billing currency (U.S. dollars)\nwill be (a) a rate selected by Visa from the range of rates\navailable in the wholesale currency markets for the\napplicable central processing date, which rate may vary\nfrom the rate Visa itself receives, or (b) the governmentmandated rate in effect for the applicable central\nprocessing date, in each instance, plus or minus any\nadjustment determined by the Credit Union. If a Cash\nAdvance is conducted an additional fee of 2% of the\ntransaction amount ($5 minimum) will apply.\n(f) Inquiries: Information about your Visa account is available 24\nhours a day through VISA PIN POINT service or through the\nHome Banking section of the Credit Union website. Either\nservice will provide account information such as your balance,\nlast payment received and/or your available credit. VISA PIN\nPOINT can be accessed with a touch-tone telephone by\ncalling (800) 892-9603. The Credit Union website address is\nwww.myEECU.org.\n(g) Prohibited Transactions: You agree that you will not use or\nallow your Visa account to be used for illegal transactions\nsuch as illegal gambling. If we reasonably believe a\ntransaction is unlawful we have the right but not the duty to\ndecline it. Display of a Visa logo by a merchant does not\nnecessarily mean that the transaction is lawful.\nResponsibility for determining the legality of your Visa\ntransactions rests with you, not with us. The actual or\nalleged illegality of an authorized transaction will not be\ndefense to your obligation to pay.\n(h) We will not be liable for the failure or refusal of any merchant\nto accept your Visa Card or Visa convenience checks.\nYOUR CREDIT LIMIT\nIf your Visa application is approved, the Credit Union will\nestablish a self-replenishing line of credit for you, and notify\nyou of the amount in writing. This means that you can borrow\nthe full amount of the credit limit, repay the principal in full or\npart, and borrow again up to your maximum amount of credit,\nas long as you remain a member in good standing of the Credit\nUnion and continue to be creditworthy. Your credit limit and\nthe unused portion still available to you will show on your\nmonthly statement. Your available amount is reduced by the\nprincipal balance owing, accrued finance charges, fees and\nlate charges, if any. You agree not to let the account balance\nexceed your approved credit limit.\nIf you wish to increase your credit limit, you must apply to the\nCredit Union by written, phone, or online application, which\nmust be approved. Unless prohibited by law, we may increase\nyour credit limit at any time at our option and will notify you in\nwriting if we do this. Your credit limit will be reviewed\nperiodically and you may be requested to provide current\ninformation. We will notify you in writing if we increase,\ndecrease, or terminate with good cause your credit limit and/or\naccount. Good cause includes, but is not limited to, your\nfailure to comply with this agreement or our adverse reevaluation of your creditworthiness.\n\nBALANCE TRANSFERS\nYou may ask the Credit Union to transfer the balance of your\nother credit cards to your EECU Visa account by sending us a\nwritten request to do so or by using a Visa convenience check.\nYour written request must state the name of the company, the\naddress, the account number and the amount of the payoff or\nmust include a payment stub. Balance Transfers are subject to\nfees as outlined in the \xe2\x80\x9cOTHER CHARGES\xe2\x80\x9d section of this\nagreement. If you elect to transfer balances to your EECU Visa\naccount, the following will apply:\n(a) Transfer Amount: We will transfer as much as possible without\nexceeding your credit line.\n(b) Minimum Payments: Allow four (4) weeks for balances to be\ntransferred. You should continue paying the minimum\nmonthly amount due on your other accounts until the\nbalances have been transferred. We are not responsible for\nany late payments, finance charges, disputed amounts or\nerrors on your other accounts.\n(c) Billing Disputes: If you currently have any amounts in a billing\ndispute, we recommend that they not be transferred because\nyou may lose your billing dispute rights.\n(d) Finance Charge: Balance Transfers are treated as Cash\nAdvances and are assessed finance charges from the\ntransaction date. Finance charges continue until payment in\nfull is received for the balance.\n(e) Closing Accounts: Transferring balances may not\nautomatically close your other accounts. To do so, you should\ncontact each company directly.\nMONTHLY PAYMENTS\nYou agree to pay all amounts borrowed plus interest, fees and\nother charges called for by this agreement in U.S. dollars using\nlawful instruments drawn on U.S. financial institutions. You\nagree to make at least your required minimum monthly\npayment on or before the due date on your periodic statement.\nMINIMUM PAYMENT SCHEDULE\nBALANCE\nMINIMUM PAYMENT\nUnder $20\nEntire Balance\n$20 to $1,000\n$20\nOver $1,000\n2% of the principal balance\nYour minimum payment must also include any past-due or overlimit amounts. If your balance exceeds $1,000, increased balances\nwill result in increased minimum payments.\nThe minimum payment amount may be applied to the lowest rate\nbalance. To the extent your payment exceeds the required minimum;\nthe excess will be applied first to higher rate balances and then to\nlower rate balances. Subject to the requirement that payments in\nexcess of the minimum be applied to higher-rate balances first,\npayments are applied in the following order: (a) previously billed\ninterest, fees and other charges; (b) previously billed Purchases and\nCash Advances; and (c) interest, fees and other charges on\nPurchases and Cash Advances during the current billing cycle; and\n(d) Purchases and Cash Advances during the current billing cycle.\nIf you take advantage of any promotional or introductory APR\noffers, payments to your account may be applied to the\nbalances at the promotional or introductory APR offer first and\n\nnot to balances with higher APRs until the promotional or\nintroductory APR balances have been paid in full or have\nexpired.\nYou can pay all or part of your full balance due at any time\nwithout prepayment penalty. If you make more than your\nrequired minimum payment, you will still be required to make\nyour next month\'s required minimum payment by its due date.\nMaking more than the required minimum payment will\ngenerally reduce the time it takes to pay off your balance and\nthe interest you pay.\nWe may offer \xe2\x80\x9cskip payment\xe2\x80\x9d promotions from time to time. If\nyou elect to skip your payment, interest will continue to accrue.\nOur offering you a skip payment will not waive our right to\nrequire you to make any other payment on its due date.\nMAKING PAYMENTS\nMail the top half of your monthly Visa statement with your check\nor other payment instrument to the address shown on your\nperiodic statement. You may also make your payment at any of\nour offices or through the EECU Home Banking site by making a\ntransfer from your deposit account. It is your responsibility to\nensure that your payment arrives at our payment processing\ncenter on time. We are not responsible for mail lost, damaged or\nmisdelivered by the postal service.\nDO NOT INCLUDE PAYMENTS FOR OTHER\nOBLIGATIONS WITH YOUR CREDIT CARD PAYMENT\n\nEECU\n\nFINANCE CHARGES\nYou will pay interest and other charges on your Visa account.\nInterest and some of the other charges are called \xe2\x80\x9cFinance\nCharges.\xe2\x80\x9d Finance Charges are the amounts of money that\nyou pay for the money that you borrow. In addition to\ninterest, some of the fees in the \xe2\x80\x9cOTHER CHARGES\xe2\x80\x9d section\nof your Visa Account Agreement and Disclosure, shown in\nbold, are considered Finance Charges. To make Visa\naccounts available to as many members as possible, we\noffer a variety of rates. The actual rate of interest applicable\nto your account will depend on a number of factors we may\nlawfully consider, including but not limited to your credit\nhistory. When you are approved for a Visa account, we will\ndisclose the ANNUAL PERCENTAGE RATE and any variable\nrate formula that will apply to your Educational Employees\nCredit Union Visa account in writing before you can start\nusing your account.\nFinance Charge Calculation Method: Average Daily Balance\n(including new purchases): We start by calculating the average\ndaily balance for the billing period. For each day of the billing\nperiod, we determine the daily balance by adding up all Cash\nAdvances, Purchases, and debit adjustments plus any amount\noutstanding as of your most recent payment, then subtracting\nany payments and credits for that day. We then add all of the\ndaily balances for the billing period and divide them by the\nnumber of days in the billing period. We then multiply the\naverage daily balance by the monthly periodic rate to\ndetermine the finance charge for that billing period. The\nminimum finance charge in a billing cycle is $.50.\n\nGrace Period: You will have a grace period of 25 days on\naverage for repayment of Purchases. Cash Advances and\nBalance Transfers are subject to finance charges from the day\nthey post to your account until they are paid in full. If you do not\npay your entire statement balance in full within the 25-day grace\nperiod, finance charges will accrue.\nWe can change your interest rate and other finance charges\nby giving you advance notice as is required by applicable\nlaw. Unless you have a variable rate account, changes will\ngenerally apply to transactions initiated more than 14 days\nafter provision of the notice.\nOTHER CHARGES\nIn addition to Finance Charges, the following fees may be\nassessed to your Visa Account. They will be added to the\nprincipal balance and will accrue interest until paid:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nLate Payment:\nReturned Payment:\nOver-the-Credit Limit:\nBalance Transfer:\n\nUp to $15.00\n$24.00\nNone\n$5.00 or 2% of the transfer\namount, whichever is greater\nCash Advance:*\n$5.00 or 2% of the cash advance\namount, whichever is greater\nAccount Research:\n$20.00 per hour, one hour\nminimum\nStatement Copies:\n$3.00 per statement\nReplacement Cards:\n$5.00 per card, plus additional\ncharge for rush orders\nStop Payment on Recurring\nVisa Transaction:\n$15.00\nStop Payment on\nVisa Convenience Check: $15.00\nVisa Convenience Check: The standard cash advance fee\napplies to each Visa\nConvenience Check paid\nVisa Sales Slip Copy:\n$12.00 each\nVisa Card Rush Order:\n2 days - $25.00; 4 days - $15.00\n\nFor new accounts, fees and charges are also stated in the Truth\nin Lending Credit Card Opening Disclosure incorporated into\nthis Agreement by reference and provided to you separately\nwhen your account was opened.\n*The following are considered Cash Advances: (a) obtaining\ncash at an ATM using your Visa card; (b) a Cash Advance at a\nfinancial institution or other entity that offer Visa Cash\nAdvances; (c) funds from the use of a Visa convenience check;\n(d) a Balance Transfer.\n\nCREDITS\nIf a merchant who honors your card gives you credit for returns\nor adjustments, he will do so by sending us a credit slip which we\nwill post to your account. You will be liable for any finance\ncharges that accrue between the end of your grace period and\nthe time the credit posts to your account. If your credits and\npayments exceed what you owe, the amount will be applied\nagainst future Purchases and Cash Advances. If the credit is $1\n\n\x0cnot smaller than the minimum monthly payment required as\ndisclosed in the paragraph entitled, "Making Payments." On a\njoint account, each party is equally responsible for all charges\nunder this agreement, even though another person has been\ndirected to pay the debt by agreement of court order such as a\ndivorce decree. You agree to notify us immediately of any change\nin your name, address, or any change in your financial condition\nwhich may affect your ability to repay.\nPERSONS USING YOUR ACCOUNT\nYou are obligated to repay any charges resulting from the use\nof the card or a Visa convenience check by another person\nwith your permission whether or not the person stays within\nthe limits set by you. If you notify us that a previously\nauthorized user is no longer authorized to use the account, we\nwill follow our usual procedures to preclude their further use of\nthe account. If you cannot get the card back from the user, you\nmust let us know and we will treat the card as stolen.\nOtherwise you must return the card to us. You will be liable for\nall use of the card up to the time you notify us that the\nauthorization is terminated.\nAny persons who use the card or convenience checks are also\nobligated to repay the Credit Union for all charges incurred\nbecause of their use of the card or loan drafts.\nOUR RESPONSIBILITY\nIf you have available credit and are not otherwise in default, we\nwill honor Purchases and Balance Transfers up to your credit limit\nand Cash Advances up to your Cash Advance limit. We will\nprovide you with a timely monthly statement that contains all\ninformation and disclosure required by law.\nLOST/STOLEN OR UNAUTHORIZED USE OF CARD\nUnless you have notified us that the card has been lost or\nstolen, all transactions, whether made by you or another\nperson, will be assumed to have been made with your\nconsent. You agree to report the loss, theft, or unauthorized\nuse of your card promptly. Report your lost/stolen card to (559)\n437-7700 or (800) 538-EECU. You may also write to us at P.O.\nBox 5242, Fresno CA 93755-5242. Calling us is the best way\nto keep losses down. Per Visa operating rules, you will\ngenerally have no liability for unauthorized use of your card.\nHowever, it benefits all Credit Union members if losses due to\nunauthorized use claims are kept to a minimum.\nThe zero liability rule does not apply to certain point-of-sale and\nATM transactions as set forth in Visa operating rules. Your\nmaximum liability for unauthorized use of a Visa credit card for\nthese point-of-sale or ATM transactions is $50. Your liability may\nincrease if you report the loss or theft of your card more than two\nbusiness days (48 hours) after the discovery of the loss or theft.\nYou will have no liability for unauthorized transactions that occur\nafter you report the loss or theft of your card to us.\nYou may create a special "Verified by Visa" password to verify\nyour identity and provide added protection to your online\nPurchases. You can create your own password at\nwww.visa.com/verified.\n\nHOW TO USE YOUR VISA ACCOUNT\nYour Visa account can be accessed in the ways detailed below.\nYour monthly Visa statement will identify the merchant, electronic\nterminal, or financial institution at which transactions were made;\nbut sales, Cash Advances, and credit slips cannot be returned with\nthe statement. You will retain your copy of such slips furnished at\nthe time of the transaction in order to verify the monthly statement.\n(a) Cash Advances: You may obtain Cash Advances on your Visa\naccount at any branch of the Credit Union up to your cash\nadvance limit, which may be lower than your credit limit. You\nmay obtain Cash Advances at other financial institutions that\nhonor Visa cards, subject to those institutions\' limitations.\nCash Advances are subject to fees as outlined in the \xe2\x80\x9cOTHER\nCHARGES\xe2\x80\x9d section of this agreement.\n(b) Cash Advances at an Automated Teller Machine (ATM): ATMs\nlocated across the nation will disburse Cash Advances on\nyour card; a Visa emblem will be shown on the face of each\nmachine. To receive a Cash Advance from a participating Visa\nATM, you must insert your card and input your Personal\nIdentification Number (PIN) which you will receive within 5 to\n10 days after you receive your card. The maximum Cash\nAdvance may vary between ATMs. The use of your credit card\nfor ATM access is subject to additional ATM disclosure terms.\nCash Advances are subject to fees as outlined in the \xe2\x80\x9cOTHER\nCHARGES\xe2\x80\x9d section of this agreement.\nIMPORTANT: FOR YOUR PROTECTION, DO NOT WRITE\nYOUR PIN NUMBER ON YOUR CARD OR KEEP IT NEAR\nYOUR CARD.\n(c) Purchases: You may use your Visa card for Purchases anywhere\nthe card is honored by presenting the card to the merchant and\nsigning the sales slip or voucher. You can also make Purchases\nby mail, telephone, or via the internet by providing the merchant\nwith your card number and expiration date.\n(d) Visa Convenience Checks: The Credit Union from time to time\nmay send you Visa convenience checks. You can use them to\nmake Purchases or to obtain loan advances. You may not use\nthe convenience checks to pay any outstanding balance you\nowe under this agreement. Visa convenience checks are\ntreated as a Cash Advance for purposes of calculating finance\ncharges, whether you use them to make a Purchase or to\nobtain a Cash Advance. Use of Visa convenience checks are\nsubject to fees as outlined in the \xe2\x80\x9cOTHER CHARGES\xe2\x80\x9d section\nof this agreement.\nVisa convenience checks are subject to the following\nadditional rules: (i) Merchant dispute rights to which credit\ncards are subject do not apply to use of Visa convenience\nchecks. (ii) To stop payment on a Visa convenience checks,\nyou must provide your account number, the draft number and\nthe exact amount of the draft; otherwise our computer system\nwill not be able to find the draft and stop payment on it and you\nwill need to resolve any disputes directly with the payee of the\ndraft. (iii) Destroy any Visa convenience checks you do not\nwish to use. (iv) We will not be responsible for unauthorized\nconvenience checks paid on your account unless you report\nthem to us within 60 days after we mail you the first statement\non which they appear. (v) Report any lost or stolen\nconvenience checks immediately; otherwise you may be liable\nif an unauthorized convenience check is paid on your account.\n\n(e) Foreign Transactions: Purchases and Cash Advances made\nin foreign countries and foreign currencies will be billed to\nyou in U.S. dollars. The exchange rate between the\ntransaction currency and the billing currency (U.S. dollars)\nwill be (a) a rate selected by Visa from the range of rates\navailable in the wholesale currency markets for the\napplicable central processing date, which rate may vary\nfrom the rate Visa itself receives, or (b) the governmentmandated rate in effect for the applicable central\nprocessing date, in each instance, plus or minus any\nadjustment determined by the Credit Union. If a Cash\nAdvance is conducted an additional fee of 2% of the\ntransaction amount ($5 minimum) will apply.\n(f) Inquiries: Information about your Visa account is available 24\nhours a day through VISA PIN POINT service or through the\nHome Banking section of the Credit Union website. Either\nservice will provide account information such as your balance,\nlast payment received and/or your available credit. VISA PIN\nPOINT can be accessed with a touch-tone telephone by\ncalling (800) 892-9603. The Credit Union website address is\nwww.myEECU.org.\n(g) Prohibited Transactions: You agree that you will not use or\nallow your Visa account to be used for illegal transactions\nsuch as illegal gambling. If we reasonably believe a\ntransaction is unlawful we have the right but not the duty to\ndecline it. Display of a Visa logo by a merchant does not\nnecessarily mean that the transaction is lawful.\nResponsibility for determining the legality of your Visa\ntransactions rests with you, not with us. The actual or\nalleged illegality of an authorized transaction will not be\ndefense to your obligation to pay.\n(h) We will not be liable for the failure or refusal of any merchant\nto accept your Visa Card or Visa convenience checks.\nYOUR CREDIT LIMIT\nIf your Visa application is approved, the Credit Union will\nestablish a self-replenishing line of credit for you, and notify\nyou of the amount in writing. This means that you can borrow\nthe full amount of the credit limit, repay the principal in full or\npart, and borrow again up to your maximum amount of credit,\nas long as you remain a member in good standing of the Credit\nUnion and continue to be creditworthy. Your credit limit and\nthe unused portion still available to you will show on your\nmonthly statement. Your available amount is reduced by the\nprincipal balance owing, accrued finance charges, fees and\nlate charges, if any. You agree not to let the account balance\nexceed your approved credit limit.\nIf you wish to increase your credit limit, you must apply to the\nCredit Union by written, phone, or online application, which\nmust be approved. Unless prohibited by law, we may increase\nyour credit limit at any time at our option and will notify you in\nwriting if we do this. Your credit limit will be reviewed\nperiodically and you may be requested to provide current\ninformation. We will notify you in writing if we increase,\ndecrease, or terminate with good cause your credit limit and/or\naccount. Good cause includes, but is not limited to, your\nfailure to comply with this agreement or our adverse reevaluation of your creditworthiness.\n\nBALANCE TRANSFERS\nYou may ask the Credit Union to transfer the balance of your\nother credit cards to your EECU Visa account by sending us a\nwritten request to do so or by using a Visa convenience check.\nYour written request must state the name of the company, the\naddress, the account number and the amount of the payoff or\nmust include a payment stub. Balance Transfers are subject to\nfees as outlined in the \xe2\x80\x9cOTHER CHARGES\xe2\x80\x9d section of this\nagreement. If you elect to transfer balances to your EECU Visa\naccount, the following will apply:\n(a) Transfer Amount: We will transfer as much as possible without\nexceeding your credit line.\n(b) Minimum Payments: Allow four (4) weeks for balances to be\ntransferred. You should continue paying the minimum\nmonthly amount due on your other accounts until the\nbalances have been transferred. We are not responsible for\nany late payments, finance charges, disputed amounts or\nerrors on your other accounts.\n(c) Billing Disputes: If you currently have any amounts in a billing\ndispute, we recommend that they not be transferred because\nyou may lose your billing dispute rights.\n(d) Finance Charge: Balance Transfers are treated as Cash\nAdvances and are assessed finance charges from the\ntransaction date. Finance charges continue until payment in\nfull is received for the balance.\n(e) Closing Accounts: Transferring balances may not\nautomatically close your other accounts. To do so, you should\ncontact each company directly.\nMONTHLY PAYMENTS\nYou agree to pay all amounts borrowed plus interest, fees and\nother charges called for by this agreement in U.S. dollars using\nlawful instruments drawn on U.S. financial institutions. You\nagree to make at least your required minimum monthly\npayment on or before the due date on your periodic statement.\nMINIMUM PAYMENT SCHEDULE\nBALANCE\nMINIMUM PAYMENT\nUnder $20\nEntire Balance\n$20 to $1,000\n$20\nOver $1,000\n2% of the principal balance\nYour minimum payment must also include any past-due or overlimit amounts. If your balance exceeds $1,000, increased balances\nwill result in increased minimum payments.\nThe minimum payment amount may be applied to the lowest rate\nbalance. To the extent your payment exceeds the required minimum;\nthe excess will be applied first to higher rate balances and then to\nlower rate balances. Subject to the requirement that payments in\nexcess of the minimum be applied to higher-rate balances first,\npayments are applied in the following order: (a) previously billed\ninterest, fees and other charges; (b) previously billed Purchases and\nCash Advances; and (c) interest, fees and other charges on\nPurchases and Cash Advances during the current billing cycle; and\n(d) Purchases and Cash Advances during the current billing cycle.\nIf you take advantage of any promotional or introductory APR\noffers, payments to your account may be applied to the\nbalances at the promotional or introductory APR offer first and\n\nnot to balances with higher APRs until the promotional or\nintroductory APR balances have been paid in full or have\nexpired.\nYou can pay all or part of your full balance due at any time\nwithout prepayment penalty. If you make more than your\nrequired minimum payment, you will still be required to make\nyour next month\'s required minimum payment by its due date.\nMaking more than the required minimum payment will\ngenerally reduce the time it takes to pay off your balance and\nthe interest you pay.\nWe may offer \xe2\x80\x9cskip payment\xe2\x80\x9d promotions from time to time. If\nyou elect to skip your payment, interest will continue to accrue.\nOur offering you a skip payment will not waive our right to\nrequire you to make any other payment on its due date.\nMAKING PAYMENTS\nMail the top half of your monthly Visa statement with your check\nor other payment instrument to the address shown on your\nperiodic statement. You may also make your payment at any of\nour offices or through the EECU Home Banking site by making a\ntransfer from your deposit account. It is your responsibility to\nensure that your payment arrives at our payment processing\ncenter on time. We are not responsible for mail lost, damaged or\nmisdelivered by the postal service.\nDO NOT INCLUDE PAYMENTS FOR OTHER\nOBLIGATIONS WITH YOUR CREDIT CARD PAYMENT\n\nEECU\n\nFINANCE CHARGES\nYou will pay interest and other charges on your Visa account.\nInterest and some of the other charges are called \xe2\x80\x9cFinance\nCharges.\xe2\x80\x9d Finance Charges are the amounts of money that\nyou pay for the money that you borrow. In addition to\ninterest, some of the fees in the \xe2\x80\x9cOTHER CHARGES\xe2\x80\x9d section\nof your Visa Account Agreement and Disclosure, shown in\nbold, are considered Finance Charges. To make Visa\naccounts available to as many members as possible, we\noffer a variety of rates. The actual rate of interest applicable\nto your account will depend on a number of factors we may\nlawfully consider, including but not limited to your credit\nhistory. When you are approved for a Visa account, we will\ndisclose the ANNUAL PERCENTAGE RATE and any variable\nrate formula that will apply to your Educational Employees\nCredit Union Visa account in writing before you can start\nusing your account.\nFinance Charge Calculation Method: Average Daily Balance\n(including new purchases): We start by calculating the average\ndaily balance for the billing period. For each day of the billing\nperiod, we determine the daily balance by adding up all Cash\nAdvances, Purchases, and debit adjustments plus any amount\noutstanding as of your most recent payment, then subtracting\nany payments and credits for that day. We then add all of the\ndaily balances for the billing period and divide them by the\nnumber of days in the billing period. We then multiply the\naverage daily balance by the monthly periodic rate to\ndetermine the finance charge for that billing period. The\nminimum finance charge in a billing cycle is $.50.\n\nGrace Period: You will have a grace period of 25 days on\naverage for repayment of Purchases. Cash Advances and\nBalance Transfers are subject to finance charges from the day\nthey post to your account until they are paid in full. If you do not\npay your entire statement balance in full within the 25-day grace\nperiod, finance charges will accrue.\nWe can change your interest rate and other finance charges\nby giving you advance notice as is required by applicable\nlaw. Unless you have a variable rate account, changes will\ngenerally apply to transactions initiated more than 14 days\nafter provision of the notice.\nOTHER CHARGES\nIn addition to Finance Charges, the following fees may be\nassessed to your Visa Account. They will be added to the\nprincipal balance and will accrue interest until paid:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nLate Payment:\nReturned Payment:\nOver-the-Credit Limit:\nBalance Transfer:\n\nUp to $15.00\n$24.00\nNone\n$5.00 or 2% of the transfer\namount, whichever is greater\nCash Advance:*\n$5.00 or 2% of the cash advance\namount, whichever is greater\nAccount Research:\n$20.00 per hour, one hour\nminimum\nStatement Copies:\n$3.00 per statement\nReplacement Cards:\n$5.00 per card, plus additional\ncharge for rush orders\nStop Payment on Recurring\nVisa Transaction:\n$15.00\nStop Payment on\nVisa Convenience Check: $15.00\nVisa Convenience Check: The standard cash advance fee\napplies to each Visa\nConvenience Check paid\nVisa Sales Slip Copy:\n$12.00 each\nVisa Card Rush Order:\n2 days - $25.00; 4 days - $15.00\n\nFor new accounts, fees and charges are also stated in the Truth\nin Lending Credit Card Opening Disclosure incorporated into\nthis Agreement by reference and provided to you separately\nwhen your account was opened.\n*The following are considered Cash Advances: (a) obtaining\ncash at an ATM using your Visa card; (b) a Cash Advance at a\nfinancial institution or other entity that offer Visa Cash\nAdvances; (c) funds from the use of a Visa convenience check;\n(d) a Balance Transfer.\n\nCREDITS\nIf a merchant who honors your card gives you credit for returns\nor adjustments, he will do so by sending us a credit slip which we\nwill post to your account. You will be liable for any finance\ncharges that accrue between the end of your grace period and\nthe time the credit posts to your account. If your credits and\npayments exceed what you owe, the amount will be applied\nagainst future Purchases and Cash Advances. If the credit is $1\n\n\x0cnot smaller than the minimum monthly payment required as\ndisclosed in the paragraph entitled, "Making Payments." On a\njoint account, each party is equally responsible for all charges\nunder this agreement, even though another person has been\ndirected to pay the debt by agreement of court order such as a\ndivorce decree. You agree to notify us immediately of any change\nin your name, address, or any change in your financial condition\nwhich may affect your ability to repay.\nPERSONS USING YOUR ACCOUNT\nYou are obligated to repay any charges resulting from the use\nof the card or a Visa convenience check by another person\nwith your permission whether or not the person stays within\nthe limits set by you. If you notify us that a previously\nauthorized user is no longer authorized to use the account, we\nwill follow our usual procedures to preclude their further use of\nthe account. If you cannot get the card back from the user, you\nmust let us know and we will treat the card as stolen.\nOtherwise you must return the card to us. You will be liable for\nall use of the card up to the time you notify us that the\nauthorization is terminated.\nAny persons who use the card or convenience checks are also\nobligated to repay the Credit Union for all charges incurred\nbecause of their use of the card or loan drafts.\nOUR RESPONSIBILITY\nIf you have available credit and are not otherwise in default, we\nwill honor Purchases and Balance Transfers up to your credit limit\nand Cash Advances up to your Cash Advance limit. We will\nprovide you with a timely monthly statement that contains all\ninformation and disclosure required by law.\nLOST/STOLEN OR UNAUTHORIZED USE OF CARD\nUnless you have notified us that the card has been lost or\nstolen, all transactions, whether made by you or another\nperson, will be assumed to have been made with your\nconsent. You agree to report the loss, theft, or unauthorized\nuse of your card promptly. Report your lost/stolen card to (559)\n437-7700 or (800) 538-EECU. You may also write to us at P.O.\nBox 5242, Fresno CA 93755-5242. Calling us is the best way\nto keep losses down. Per Visa operating rules, you will\ngenerally have no liability for unauthorized use of your card.\nHowever, it benefits all Credit Union members if losses due to\nunauthorized use claims are kept to a minimum.\nThe zero liability rule does not apply to certain point-of-sale and\nATM transactions as set forth in Visa operating rules. Your\nmaximum liability for unauthorized use of a Visa credit card for\nthese point-of-sale or ATM transactions is $50. Your liability may\nincrease if you report the loss or theft of your card more than two\nbusiness days (48 hours) after the discovery of the loss or theft.\nYou will have no liability for unauthorized transactions that occur\nafter you report the loss or theft of your card to us.\nYou may create a special "Verified by Visa" password to verify\nyour identity and provide added protection to your online\nPurchases. You can create your own password at\nwww.visa.com/verified.\n\nHOW TO USE YOUR VISA ACCOUNT\nYour Visa account can be accessed in the ways detailed below.\nYour monthly Visa statement will identify the merchant, electronic\nterminal, or financial institution at which transactions were made;\nbut sales, Cash Advances, and credit slips cannot be returned with\nthe statement. You will retain your copy of such slips furnished at\nthe time of the transaction in order to verify the monthly statement.\n(a) Cash Advances: You may obtain Cash Advances on your Visa\naccount at any branch of the Credit Union up to your cash\nadvance limit, which may be lower than your credit limit. You\nmay obtain Cash Advances at other financial institutions that\nhonor Visa cards, subject to those institutions\' limitations.\nCash Advances are subject to fees as outlined in the \xe2\x80\x9cOTHER\nCHARGES\xe2\x80\x9d section of this agreement.\n(b) Cash Advances at an Automated Teller Machine (ATM): ATMs\nlocated across the nation will disburse Cash Advances on\nyour card; a Visa emblem will be shown on the face of each\nmachine. To receive a Cash Advance from a participating Visa\nATM, you must insert your card and input your Personal\nIdentification Number (PIN) which you will receive within 5 to\n10 days after you receive your card. The maximum Cash\nAdvance may vary between ATMs. The use of your credit card\nfor ATM access is subject to additional ATM disclosure terms.\nCash Advances are subject to fees as outlined in the \xe2\x80\x9cOTHER\nCHARGES\xe2\x80\x9d section of this agreement.\nIMPORTANT: FOR YOUR PROTECTION, DO NOT WRITE\nYOUR PIN NUMBER ON YOUR CARD OR KEEP IT NEAR\nYOUR CARD.\n(c) Purchases: You may use your Visa card for Purchases anywhere\nthe card is honored by presenting the card to the merchant and\nsigning the sales slip or voucher. You can also make Purchases\nby mail, telephone, or via the internet by providing the merchant\nwith your card number and expiration date.\n(d) Visa Convenience Checks: The Credit Union from time to time\nmay send you Visa convenience checks. You can use them to\nmake Purchases or to obtain loan advances. You may not use\nthe convenience checks to pay any outstanding balance you\nowe under this agreement. Visa convenience checks are\ntreated as a Cash Advance for purposes of calculating finance\ncharges, whether you use them to make a Purchase or to\nobtain a Cash Advance. Use of Visa convenience checks are\nsubject to fees as outlined in the \xe2\x80\x9cOTHER CHARGES\xe2\x80\x9d section\nof this agreement.\nVisa convenience checks are subject to the following\nadditional rules: (i) Merchant dispute rights to which credit\ncards are subject do not apply to use of Visa convenience\nchecks. (ii) To stop payment on a Visa convenience checks,\nyou must provide your account number, the draft number and\nthe exact amount of the draft; otherwise our computer system\nwill not be able to find the draft and stop payment on it and you\nwill need to resolve any disputes directly with the payee of the\ndraft. (iii) Destroy any Visa convenience checks you do not\nwish to use. (iv) We will not be responsible for unauthorized\nconvenience checks paid on your account unless you report\nthem to us within 60 days after we mail you the first statement\non which they appear. (v) Report any lost or stolen\nconvenience checks immediately; otherwise you may be liable\nif an unauthorized convenience check is paid on your account.\n\n(e) Foreign Transactions: Purchases and Cash Advances made\nin foreign countries and foreign currencies will be billed to\nyou in U.S. dollars. The exchange rate between the\ntransaction currency and the billing currency (U.S. dollars)\nwill be (a) a rate selected by Visa from the range of rates\navailable in the wholesale currency markets for the\napplicable central processing date, which rate may vary\nfrom the rate Visa itself receives, or (b) the governmentmandated rate in effect for the applicable central\nprocessing date, in each instance, plus or minus any\nadjustment determined by the Credit Union. If a Cash\nAdvance is conducted an additional fee of 2% of the\ntransaction amount ($5 minimum) will apply.\n(f) Inquiries: Information about your Visa account is available 24\nhours a day through VISA PIN POINT service or through the\nHome Banking section of the Credit Union website. Either\nservice will provide account information such as your balance,\nlast payment received and/or your available credit. VISA PIN\nPOINT can be accessed with a touch-tone telephone by\ncalling (800) 892-9603. The Credit Union website address is\nwww.myEECU.org.\n(g) Prohibited Transactions: You agree that you will not use or\nallow your Visa account to be used for illegal transactions\nsuch as illegal gambling. If we reasonably believe a\ntransaction is unlawful we have the right but not the duty to\ndecline it. Display of a Visa logo by a merchant does not\nnecessarily mean that the transaction is lawful.\nResponsibility for determining the legality of your Visa\ntransactions rests with you, not with us. The actual or\nalleged illegality of an authorized transaction will not be\ndefense to your obligation to pay.\n(h) We will not be liable for the failure or refusal of any merchant\nto accept your Visa Card or Visa convenience checks.\nYOUR CREDIT LIMIT\nIf your Visa application is approved, the Credit Union will\nestablish a self-replenishing line of credit for you, and notify\nyou of the amount in writing. This means that you can borrow\nthe full amount of the credit limit, repay the principal in full or\npart, and borrow again up to your maximum amount of credit,\nas long as you remain a member in good standing of the Credit\nUnion and continue to be creditworthy. Your credit limit and\nthe unused portion still available to you will show on your\nmonthly statement. Your available amount is reduced by the\nprincipal balance owing, accrued finance charges, fees and\nlate charges, if any. You agree not to let the account balance\nexceed your approved credit limit.\nIf you wish to increase your credit limit, you must apply to the\nCredit Union by written, phone, or online application, which\nmust be approved. Unless prohibited by law, we may increase\nyour credit limit at any time at our option and will notify you in\nwriting if we do this. Your credit limit will be reviewed\nperiodically and you may be requested to provide current\ninformation. We will notify you in writing if we increase,\ndecrease, or terminate with good cause your credit limit and/or\naccount. Good cause includes, but is not limited to, your\nfailure to comply with this agreement or our adverse reevaluation of your creditworthiness.\n\nBALANCE TRANSFERS\nYou may ask the Credit Union to transfer the balance of your\nother credit cards to your EECU Visa account by sending us a\nwritten request to do so or by using a Visa convenience check.\nYour written request must state the name of the company, the\naddress, the account number and the amount of the payoff or\nmust include a payment stub. Balance Transfers are subject to\nfees as outlined in the \xe2\x80\x9cOTHER CHARGES\xe2\x80\x9d section of this\nagreement. If you elect to transfer balances to your EECU Visa\naccount, the following will apply:\n(a) Transfer Amount: We will transfer as much as possible without\nexceeding your credit line.\n(b) Minimum Payments: Allow four (4) weeks for balances to be\ntransferred. You should continue paying the minimum\nmonthly amount due on your other accounts until the\nbalances have been transferred. We are not responsible for\nany late payments, finance charges, disputed amounts or\nerrors on your other accounts.\n(c) Billing Disputes: If you currently have any amounts in a billing\ndispute, we recommend that they not be transferred because\nyou may lose your billing dispute rights.\n(d) Finance Charge: Balance Transfers are treated as Cash\nAdvances and are assessed finance charges from the\ntransaction date. Finance charges continue until payment in\nfull is received for the balance.\n(e) Closing Accounts: Transferring balances may not\nautomatically close your other accounts. To do so, you should\ncontact each company directly.\nMONTHLY PAYMENTS\nYou agree to pay all amounts borrowed plus interest, fees and\nother charges called for by this agreement in U.S. dollars using\nlawful instruments drawn on U.S. financial institutions. You\nagree to make at least your required minimum monthly\npayment on or before the due date on your periodic statement.\nMINIMUM PAYMENT SCHEDULE\nBALANCE\nMINIMUM PAYMENT\nUnder $20\nEntire Balance\n$20 to $1,000\n$20\nOver $1,000\n2% of the principal balance\nYour minimum payment must also include any past-due or overlimit amounts. If your balance exceeds $1,000, increased balances\nwill result in increased minimum payments.\nThe minimum payment amount may be applied to the lowest rate\nbalance. To the extent your payment exceeds the required minimum;\nthe excess will be applied first to higher rate balances and then to\nlower rate balances. Subject to the requirement that payments in\nexcess of the minimum be applied to higher-rate balances first,\npayments are applied in the following order: (a) previously billed\ninterest, fees and other charges; (b) previously billed Purchases and\nCash Advances; and (c) interest, fees and other charges on\nPurchases and Cash Advances during the current billing cycle; and\n(d) Purchases and Cash Advances during the current billing cycle.\nIf you take advantage of any promotional or introductory APR\noffers, payments to your account may be applied to the\nbalances at the promotional or introductory APR offer first and\n\nnot to balances with higher APRs until the promotional or\nintroductory APR balances have been paid in full or have\nexpired.\nYou can pay all or part of your full balance due at any time\nwithout prepayment penalty. If you make more than your\nrequired minimum payment, you will still be required to make\nyour next month\'s required minimum payment by its due date.\nMaking more than the required minimum payment will\ngenerally reduce the time it takes to pay off your balance and\nthe interest you pay.\nWe may offer \xe2\x80\x9cskip payment\xe2\x80\x9d promotions from time to time. If\nyou elect to skip your payment, interest will continue to accrue.\nOur offering you a skip payment will not waive our right to\nrequire you to make any other payment on its due date.\nMAKING PAYMENTS\nMail the top half of your monthly Visa statement with your check\nor other payment instrument to the address shown on your\nperiodic statement. You may also make your payment at any of\nour offices or through the EECU Home Banking site by making a\ntransfer from your deposit account. It is your responsibility to\nensure that your payment arrives at our payment processing\ncenter on time. We are not responsible for mail lost, damaged or\nmisdelivered by the postal service.\nDO NOT INCLUDE PAYMENTS FOR OTHER\nOBLIGATIONS WITH YOUR CREDIT CARD PAYMENT\n\nEECU\n\nFINANCE CHARGES\nYou will pay interest and other charges on your Visa account.\nInterest and some of the other charges are called \xe2\x80\x9cFinance\nCharges.\xe2\x80\x9d Finance Charges are the amounts of money that\nyou pay for the money that you borrow. In addition to\ninterest, some of the fees in the \xe2\x80\x9cOTHER CHARGES\xe2\x80\x9d section\nof your Visa Account Agreement and Disclosure, shown in\nbold, are considered Finance Charges. To make Visa\naccounts available to as many members as possible, we\noffer a variety of rates. The actual rate of interest applicable\nto your account will depend on a number of factors we may\nlawfully consider, including but not limited to your credit\nhistory. When you are approved for a Visa account, we will\ndisclose the ANNUAL PERCENTAGE RATE and any variable\nrate formula that will apply to your Educational Employees\nCredit Union Visa account in writing before you can start\nusing your account.\nFinance Charge Calculation Method: Average Daily Balance\n(including new purchases): We start by calculating the average\ndaily balance for the billing period. For each day of the billing\nperiod, we determine the daily balance by adding up all Cash\nAdvances, Purchases, and debit adjustments plus any amount\noutstanding as of your most recent payment, then subtracting\nany payments and credits for that day. We then add all of the\ndaily balances for the billing period and divide them by the\nnumber of days in the billing period. We then multiply the\naverage daily balance by the monthly periodic rate to\ndetermine the finance charge for that billing period. The\nminimum finance charge in a billing cycle is $.50.\n\nGrace Period: You will have a grace period of 25 days on\naverage for repayment of Purchases. Cash Advances and\nBalance Transfers are subject to finance charges from the day\nthey post to your account until they are paid in full. If you do not\npay your entire statement balance in full within the 25-day grace\nperiod, finance charges will accrue.\nWe can change your interest rate and other finance charges\nby giving you advance notice as is required by applicable\nlaw. Unless you have a variable rate account, changes will\ngenerally apply to transactions initiated more than 14 days\nafter provision of the notice.\nOTHER CHARGES\nIn addition to Finance Charges, the following fees may be\nassessed to your Visa Account. They will be added to the\nprincipal balance and will accrue interest until paid:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nLate Payment:\nReturned Payment:\nOver-the-Credit Limit:\nBalance Transfer:\n\nUp to $15.00\n$24.00\nNone\n$5.00 or 2% of the transfer\namount, whichever is greater\nCash Advance:*\n$5.00 or 2% of the cash advance\namount, whichever is greater\nAccount Research:\n$20.00 per hour, one hour\nminimum\nStatement Copies:\n$3.00 per statement\nReplacement Cards:\n$5.00 per card, plus additional\ncharge for rush orders\nStop Payment on Recurring\nVisa Transaction:\n$15.00\nStop Payment on\nVisa Convenience Check: $15.00\nVisa Convenience Check: The standard cash advance fee\napplies to each Visa\nConvenience Check paid\nVisa Sales Slip Copy:\n$12.00 each\nVisa Card Rush Order:\n2 days - $25.00; 4 days - $15.00\n\nFor new accounts, fees and charges are also stated in the Truth\nin Lending Credit Card Opening Disclosure incorporated into\nthis Agreement by reference and provided to you separately\nwhen your account was opened.\n*The following are considered Cash Advances: (a) obtaining\ncash at an ATM using your Visa card; (b) a Cash Advance at a\nfinancial institution or other entity that offer Visa Cash\nAdvances; (c) funds from the use of a Visa convenience check;\n(d) a Balance Transfer.\n\nCREDITS\nIf a merchant who honors your card gives you credit for returns\nor adjustments, he will do so by sending us a credit slip which we\nwill post to your account. You will be liable for any finance\ncharges that accrue between the end of your grace period and\nthe time the credit posts to your account. If your credits and\npayments exceed what you owe, the amount will be applied\nagainst future Purchases and Cash Advances. If the credit is $1\n\n\x0cnot smaller than the minimum monthly payment required as\ndisclosed in the paragraph entitled, "Making Payments." On a\njoint account, each party is equally responsible for all charges\nunder this agreement, even though another person has been\ndirected to pay the debt by agreement of court order such as a\ndivorce decree. You agree to notify us immediately of any change\nin your name, address, or any change in your financial condition\nwhich may affect your ability to repay.\nPERSONS USING YOUR ACCOUNT\nYou are obligated to repay any charges resulting from the use\nof the card or a Visa convenience check by another person\nwith your permission whether or not the person stays within\nthe limits set by you. If you notify us that a previously\nauthorized user is no longer authorized to use the account, we\nwill follow our usual procedures to preclude their further use of\nthe account. If you cannot get the card back from the user, you\nmust let us know and we will treat the card as stolen.\nOtherwise you must return the card to us. You will be liable for\nall use of the card up to the time you notify us that the\nauthorization is terminated.\nAny persons who use the card or convenience checks are also\nobligated to repay the Credit Union for all charges incurred\nbecause of their use of the card or loan drafts.\nOUR RESPONSIBILITY\nIf you have available credit and are not otherwise in default, we\nwill honor Purchases and Balance Transfers up to your credit limit\nand Cash Advances up to your Cash Advance limit. We will\nprovide you with a timely monthly statement that contains all\ninformation and disclosure required by law.\nLOST/STOLEN OR UNAUTHORIZED USE OF CARD\nUnless you have notified us that the card has been lost or\nstolen, all transactions, whether made by you or another\nperson, will be assumed to have been made with your\nconsent. You agree to report the loss, theft, or unauthorized\nuse of your card promptly. Report your lost/stolen card to (559)\n437-7700 or (800) 538-EECU. You may also write to us at P.O.\nBox 5242, Fresno CA 93755-5242. Calling us is the best way\nto keep losses down. Per Visa operating rules, you will\ngenerally have no liability for unauthorized use of your card.\nHowever, it benefits all Credit Union members if losses due to\nunauthorized use claims are kept to a minimum.\nThe zero liability rule does not apply to certain point-of-sale and\nATM transactions as set forth in Visa operating rules. Your\nmaximum liability for unauthorized use of a Visa credit card for\nthese point-of-sale or ATM transactions is $50. Your liability may\nincrease if you report the loss or theft of your card more than two\nbusiness days (48 hours) after the discovery of the loss or theft.\nYou will have no liability for unauthorized transactions that occur\nafter you report the loss or theft of your card to us.\nYou may create a special "Verified by Visa" password to verify\nyour identity and provide added protection to your online\nPurchases. You can create your own password at\nwww.visa.com/verified.\n\nHOW TO USE YOUR VISA ACCOUNT\nYour Visa account can be accessed in the ways detailed below.\nYour monthly Visa statement will identify the merchant, electronic\nterminal, or financial institution at which transactions were made;\nbut sales, Cash Advances, and credit slips cannot be returned with\nthe statement. You will retain your copy of such slips furnished at\nthe time of the transaction in order to verify the monthly statement.\n(a) Cash Advances: You may obtain Cash Advances on your Visa\naccount at any branch of the Credit Union up to your cash\nadvance limit, which may be lower than your credit limit. You\nmay obtain Cash Advances at other financial institutions that\nhonor Visa cards, subject to those institutions\' limitations.\nCash Advances are subject to fees as outlined in the \xe2\x80\x9cOTHER\nCHARGES\xe2\x80\x9d section of this agreement.\n(b) Cash Advances at an Automated Teller Machine (ATM): ATMs\nlocated across the nation will disburse Cash Advances on\nyour card; a Visa emblem will be shown on the face of each\nmachine. To receive a Cash Advance from a participating Visa\nATM, you must insert your card and input your Personal\nIdentification Number (PIN) which you will receive within 5 to\n10 days after you receive your card. The maximum Cash\nAdvance may vary between ATMs. The use of your credit card\nfor ATM access is subject to additional ATM disclosure terms.\nCash Advances are subject to fees as outlined in the \xe2\x80\x9cOTHER\nCHARGES\xe2\x80\x9d section of this agreement.\nIMPORTANT: FOR YOUR PROTECTION, DO NOT WRITE\nYOUR PIN NUMBER ON YOUR CARD OR KEEP IT NEAR\nYOUR CARD.\n(c) Purchases: You may use your Visa card for Purchases anywhere\nthe card is honored by presenting the card to the merchant and\nsigning the sales slip or voucher. You can also make Purchases\nby mail, telephone, or via the internet by providing the merchant\nwith your card number and expiration date.\n(d) Visa Convenience Checks: The Credit Union from time to time\nmay send you Visa convenience checks. You can use them to\nmake Purchases or to obtain loan advances. You may not use\nthe convenience checks to pay any outstanding balance you\nowe under this agreement. Visa convenience checks are\ntreated as a Cash Advance for purposes of calculating finance\ncharges, whether you use them to make a Purchase or to\nobtain a Cash Advance. Use of Visa convenience checks are\nsubject to fees as outlined in the \xe2\x80\x9cOTHER CHARGES\xe2\x80\x9d section\nof this agreement.\nVisa convenience checks are subject to the following\nadditional rules: (i) Merchant dispute rights to which credit\ncards are subject do not apply to use of Visa convenience\nchecks. (ii) To stop payment on a Visa convenience checks,\nyou must provide your account number, the draft number and\nthe exact amount of the draft; otherwise our computer system\nwill not be able to find the draft and stop payment on it and you\nwill need to resolve any disputes directly with the payee of the\ndraft. (iii) Destroy any Visa convenience checks you do not\nwish to use. (iv) We will not be responsible for unauthorized\nconvenience checks paid on your account unless you report\nthem to us within 60 days after we mail you the first statement\non which they appear. (v) Report any lost or stolen\nconvenience checks immediately; otherwise you may be liable\nif an unauthorized convenience check is paid on your account.\n\n(e) Foreign Transactions: Purchases and Cash Advances made\nin foreign countries and foreign currencies will be billed to\nyou in U.S. dollars. The exchange rate between the\ntransaction currency and the billing currency (U.S. dollars)\nwill be (a) a rate selected by Visa from the range of rates\navailable in the wholesale currency markets for the\napplicable central processing date, which rate may vary\nfrom the rate Visa itself receives, or (b) the governmentmandated rate in effect for the applicable central\nprocessing date, in each instance, plus or minus any\nadjustment determined by the Credit Union. If a Cash\nAdvance is conducted an additional fee of 2% of the\ntransaction amount ($5 minimum) will apply.\n(f) Inquiries: Information about your Visa account is available 24\nhours a day through VISA PIN POINT service or through the\nHome Banking section of the Credit Union website. Either\nservice will provide account information such as your balance,\nlast payment received and/or your available credit. VISA PIN\nPOINT can be accessed with a touch-tone telephone by\ncalling (800) 892-9603. The Credit Union website address is\nwww.myEECU.org.\n(g) Prohibited Transactions: You agree that you will not use or\nallow your Visa account to be used for illegal transactions\nsuch as illegal gambling. If we reasonably believe a\ntransaction is unlawful we have the right but not the duty to\ndecline it. Display of a Visa logo by a merchant does not\nnecessarily mean that the transaction is lawful.\nResponsibility for determining the legality of your Visa\ntransactions rests with you, not with us. The actual or\nalleged illegality of an authorized transaction will not be\ndefense to your obligation to pay.\n(h) We will not be liable for the failure or refusal of any merchant\nto accept your Visa Card or Visa convenience checks.\nYOUR CREDIT LIMIT\nIf your Visa application is approved, the Credit Union will\nestablish a self-replenishing line of credit for you, and notify\nyou of the amount in writing. This means that you can borrow\nthe full amount of the credit limit, repay the principal in full or\npart, and borrow again up to your maximum amount of credit,\nas long as you remain a member in good standing of the Credit\nUnion and continue to be creditworthy. Your credit limit and\nthe unused portion still available to you will show on your\nmonthly statement. Your available amount is reduced by the\nprincipal balance owing, accrued finance charges, fees and\nlate charges, if any. You agree not to let the account balance\nexceed your approved credit limit.\nIf you wish to increase your credit limit, you must apply to the\nCredit Union by written, phone, or online application, which\nmust be approved. Unless prohibited by law, we may increase\nyour credit limit at any time at our option and will notify you in\nwriting if we do this. Your credit limit will be reviewed\nperiodically and you may be requested to provide current\ninformation. We will notify you in writing if we increase,\ndecrease, or terminate with good cause your credit limit and/or\naccount. Good cause includes, but is not limited to, your\nfailure to comply with this agreement or our adverse reevaluation of your creditworthiness.\n\nBALANCE TRANSFERS\nYou may ask the Credit Union to transfer the balance of your\nother credit cards to your EECU Visa account by sending us a\nwritten request to do so or by using a Visa convenience check.\nYour written request must state the name of the company, the\naddress, the account number and the amount of the payoff or\nmust include a payment stub. Balance Transfers are subject to\nfees as outlined in the \xe2\x80\x9cOTHER CHARGES\xe2\x80\x9d section of this\nagreement. If you elect to transfer balances to your EECU Visa\naccount, the following will apply:\n(a) Transfer Amount: We will transfer as much as possible without\nexceeding your credit line.\n(b) Minimum Payments: Allow four (4) weeks for balances to be\ntransferred. You should continue paying the minimum\nmonthly amount due on your other accounts until the\nbalances have been transferred. We are not responsible for\nany late payments, finance charges, disputed amounts or\nerrors on your other accounts.\n(c) Billing Disputes: If you currently have any amounts in a billing\ndispute, we recommend that they not be transferred because\nyou may lose your billing dispute rights.\n(d) Finance Charge: Balance Transfers are treated as Cash\nAdvances and are assessed finance charges from the\ntransaction date. Finance charges continue until payment in\nfull is received for the balance.\n(e) Closing Accounts: Transferring balances may not\nautomatically close your other accounts. To do so, you should\ncontact each company directly.\nMONTHLY PAYMENTS\nYou agree to pay all amounts borrowed plus interest, fees and\nother charges called for by this agreement in U.S. dollars using\nlawful instruments drawn on U.S. financial institutions. You\nagree to make at least your required minimum monthly\npayment on or before the due date on your periodic statement.\nMINIMUM PAYMENT SCHEDULE\nBALANCE\nMINIMUM PAYMENT\nUnder $20\nEntire Balance\n$20 to $1,000\n$20\nOver $1,000\n2% of the principal balance\nYour minimum payment must also include any past-due or overlimit amounts. If your balance exceeds $1,000, increased balances\nwill result in increased minimum payments.\nThe minimum payment amount may be applied to the lowest rate\nbalance. To the extent your payment exceeds the required minimum;\nthe excess will be applied first to higher rate balances and then to\nlower rate balances. Subject to the requirement that payments in\nexcess of the minimum be applied to higher-rate balances first,\npayments are applied in the following order: (a) previously billed\ninterest, fees and other charges; (b) previously billed Purchases and\nCash Advances; and (c) interest, fees and other charges on\nPurchases and Cash Advances during the current billing cycle; and\n(d) Purchases and Cash Advances during the current billing cycle.\nIf you take advantage of any promotional or introductory APR\noffers, payments to your account may be applied to the\nbalances at the promotional or introductory APR offer first and\n\nnot to balances with higher APRs until the promotional or\nintroductory APR balances have been paid in full or have\nexpired.\nYou can pay all or part of your full balance due at any time\nwithout prepayment penalty. If you make more than your\nrequired minimum payment, you will still be required to make\nyour next month\'s required minimum payment by its due date.\nMaking more than the required minimum payment will\ngenerally reduce the time it takes to pay off your balance and\nthe interest you pay.\nWe may offer \xe2\x80\x9cskip payment\xe2\x80\x9d promotions from time to time. If\nyou elect to skip your payment, interest will continue to accrue.\nOur offering you a skip payment will not waive our right to\nrequire you to make any other payment on its due date.\nMAKING PAYMENTS\nMail the top half of your monthly Visa statement with your check\nor other payment instrument to the address shown on your\nperiodic statement. You may also make your payment at any of\nour offices or through the EECU Home Banking site by making a\ntransfer from your deposit account. It is your responsibility to\nensure that your payment arrives at our payment processing\ncenter on time. We are not responsible for mail lost, damaged or\nmisdelivered by the postal service.\nDO NOT INCLUDE PAYMENTS FOR OTHER\nOBLIGATIONS WITH YOUR CREDIT CARD PAYMENT\n\nEECU\n\nFINANCE CHARGES\nYou will pay interest and other charges on your Visa account.\nInterest and some of the other charges are called \xe2\x80\x9cFinance\nCharges.\xe2\x80\x9d Finance Charges are the amounts of money that\nyou pay for the money that you borrow. In addition to\ninterest, some of the fees in the \xe2\x80\x9cOTHER CHARGES\xe2\x80\x9d section\nof your Visa Account Agreement and Disclosure, shown in\nbold, are considered Finance Charges. To make Visa\naccounts available to as many members as possible, we\noffer a variety of rates. The actual rate of interest applicable\nto your account will depend on a number of factors we may\nlawfully consider, including but not limited to your credit\nhistory. When you are approved for a Visa account, we will\ndisclose the ANNUAL PERCENTAGE RATE and any variable\nrate formula that will apply to your Educational Employees\nCredit Union Visa account in writing before you can start\nusing your account.\nFinance Charge Calculation Method: Average Daily Balance\n(including new purchases): We start by calculating the average\ndaily balance for the billing period. For each day of the billing\nperiod, we determine the daily balance by adding up all Cash\nAdvances, Purchases, and debit adjustments plus any amount\noutstanding as of your most recent payment, then subtracting\nany payments and credits for that day. We then add all of the\ndaily balances for the billing period and divide them by the\nnumber of days in the billing period. We then multiply the\naverage daily balance by the monthly periodic rate to\ndetermine the finance charge for that billing period. The\nminimum finance charge in a billing cycle is $.50.\n\nGrace Period: You will have a grace period of 25 days on\naverage for repayment of Purchases. Cash Advances and\nBalance Transfers are subject to finance charges from the day\nthey post to your account until they are paid in full. If you do not\npay your entire statement balance in full within the 25-day grace\nperiod, finance charges will accrue.\nWe can change your interest rate and other finance charges\nby giving you advance notice as is required by applicable\nlaw. Unless you have a variable rate account, changes will\ngenerally apply to transactions initiated more than 14 days\nafter provision of the notice.\nOTHER CHARGES\nIn addition to Finance Charges, the following fees may be\nassessed to your Visa Account. They will be added to the\nprincipal balance and will accrue interest until paid:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nLate Payment:\nReturned Payment:\nOver-the-Credit Limit:\nBalance Transfer:\n\nUp to $15.00\n$24.00\nNone\n$5.00 or 2% of the transfer\namount, whichever is greater\nCash Advance:*\n$5.00 or 2% of the cash advance\namount, whichever is greater\nAccount Research:\n$20.00 per hour, one hour\nminimum\nStatement Copies:\n$3.00 per statement\nReplacement Cards:\n$5.00 per card, plus additional\ncharge for rush orders\nStop Payment on Recurring\nVisa Transaction:\n$15.00\nStop Payment on\nVisa Convenience Check: $15.00\nVisa Convenience Check: The standard cash advance fee\napplies to each Visa\nConvenience Check paid\nVisa Sales Slip Copy:\n$12.00 each\nVisa Card Rush Order:\n2 days - $25.00; 4 days - $15.00\n\nFor new accounts, fees and charges are also stated in the Truth\nin Lending Credit Card Opening Disclosure incorporated into\nthis Agreement by reference and provided to you separately\nwhen your account was opened.\n*The following are considered Cash Advances: (a) obtaining\ncash at an ATM using your Visa card; (b) a Cash Advance at a\nfinancial institution or other entity that offer Visa Cash\nAdvances; (c) funds from the use of a Visa convenience check;\n(d) a Balance Transfer.\n\nCREDITS\nIf a merchant who honors your card gives you credit for returns\nor adjustments, he will do so by sending us a credit slip which we\nwill post to your account. You will be liable for any finance\ncharges that accrue between the end of your grace period and\nthe time the credit posts to your account. If your credits and\npayments exceed what you owe, the amount will be applied\nagainst future Purchases and Cash Advances. If the credit is $1\n\n\x0cnot smaller than the minimum monthly payment required as\ndisclosed in the paragraph entitled, "Making Payments." On a\njoint account, each party is equally responsible for all charges\nunder this agreement, even though another person has been\ndirected to pay the debt by agreement of court order such as a\ndivorce decree. You agree to notify us immediately of any change\nin your name, address, or any change in your financial condition\nwhich may affect your ability to repay.\nPERSONS USING YOUR ACCOUNT\nYou are obligated to repay any charges resulting from the use\nof the card or a Visa convenience check by another person\nwith your permission whether or not the person stays within\nthe limits set by you. If you notify us that a previously\nauthorized user is no longer authorized to use the account, we\nwill follow our usual procedures to preclude their further use of\nthe account. If you cannot get the card back from the user, you\nmust let us know and we will treat the card as stolen.\nOtherwise you must return the card to us. You will be liable for\nall use of the card up to the time you notify us that the\nauthorization is terminated.\nAny persons who use the card or convenience checks are also\nobligated to repay the Credit Union for all charges incurred\nbecause of their use of the card or loan drafts.\nOUR RESPONSIBILITY\nIf you have available credit and are not otherwise in default, we\nwill honor Purchases and Balance Transfers up to your credit limit\nand Cash Advances up to your Cash Advance limit. We will\nprovide you with a timely monthly statement that contains all\ninformation and disclosure required by law.\nLOST/STOLEN OR UNAUTHORIZED USE OF CARD\nUnless you have notified us that the card has been lost or\nstolen, all transactions, whether made by you or another\nperson, will be assumed to have been made with your\nconsent. You agree to report the loss, theft, or unauthorized\nuse of your card promptly. Report your lost/stolen card to (559)\n437-7700 or (800) 538-EECU. You may also write to us at P.O.\nBox 5242, Fresno CA 93755-5242. Calling us is the best way\nto keep losses down. Per Visa operating rules, you will\ngenerally have no liability for unauthorized use of your card.\nHowever, it benefits all Credit Union members if losses due to\nunauthorized use claims are kept to a minimum.\nThe zero liability rule does not apply to certain point-of-sale and\nATM transactions as set forth in Visa operating rules. Your\nmaximum liability for unauthorized use of a Visa credit card for\nthese point-of-sale or ATM transactions is $50. Your liability may\nincrease if you report the loss or theft of your card more than two\nbusiness days (48 hours) after the discovery of the loss or theft.\nYou will have no liability for unauthorized transactions that occur\nafter you report the loss or theft of your card to us.\nYou may create a special "Verified by Visa" password to verify\nyour identity and provide added protection to your online\nPurchases. You can create your own password at\nwww.visa.com/verified.\n\nHOW TO USE YOUR VISA ACCOUNT\nYour Visa account can be accessed in the ways detailed below.\nYour monthly Visa statement will identify the merchant, electronic\nterminal, or financial institution at which transactions were made;\nbut sales, Cash Advances, and credit slips cannot be returned with\nthe statement. You will retain your copy of such slips furnished at\nthe time of the transaction in order to verify the monthly statement.\n(a) Cash Advances: You may obtain Cash Advances on your Visa\naccount at any branch of the Credit Union up to your cash\nadvance limit, which may be lower than your credit limit. You\nmay obtain Cash Advances at other financial institutions that\nhonor Visa cards, subject to those institutions\' limitations.\nCash Advances are subject to fees as outlined in the \xe2\x80\x9cOTHER\nCHARGES\xe2\x80\x9d section of this agreement.\n(b) Cash Advances at an Automated Teller Machine (ATM): ATMs\nlocated across the nation will disburse Cash Advances on\nyour card; a Visa emblem will be shown on the face of each\nmachine. To receive a Cash Advance from a participating Visa\nATM, you must insert your card and input your Personal\nIdentification Number (PIN) which you will receive within 5 to\n10 days after you receive your card. The maximum Cash\nAdvance may vary between ATMs. The use of your credit card\nfor ATM access is subject to additional ATM disclosure terms.\nCash Advances are subject to fees as outlined in the \xe2\x80\x9cOTHER\nCHARGES\xe2\x80\x9d section of this agreement.\nIMPORTANT: FOR YOUR PROTECTION, DO NOT WRITE\nYOUR PIN NUMBER ON YOUR CARD OR KEEP IT NEAR\nYOUR CARD.\n(c) Purchases: You may use your Visa card for Purchases anywhere\nthe card is honored by presenting the card to the merchant and\nsigning the sales slip or voucher. You can also make Purchases\nby mail, telephone, or via the internet by providing the merchant\nwith your card number and expiration date.\n(d) Visa Convenience Checks: The Credit Union from time to time\nmay send you Visa convenience checks. You can use them to\nmake Purchases or to obtain loan advances. You may not use\nthe convenience checks to pay any outstanding balance you\nowe under this agreement. Visa convenience checks are\ntreated as a Cash Advance for purposes of calculating finance\ncharges, whether you use them to make a Purchase or to\nobtain a Cash Advance. Use of Visa convenience checks are\nsubject to fees as outlined in the \xe2\x80\x9cOTHER CHARGES\xe2\x80\x9d section\nof this agreement.\nVisa convenience checks are subject to the following\nadditional rules: (i) Merchant dispute rights to which credit\ncards are subject do not apply to use of Visa convenience\nchecks. (ii) To stop payment on a Visa convenience checks,\nyou must provide your account number, the draft number and\nthe exact amount of the draft; otherwise our computer system\nwill not be able to find the draft and stop payment on it and you\nwill need to resolve any disputes directly with the payee of the\ndraft. (iii) Destroy any Visa convenience checks you do not\nwish to use. (iv) We will not be responsible for unauthorized\nconvenience checks paid on your account unless you report\nthem to us within 60 days after we mail you the first statement\non which they appear. (v) Report any lost or stolen\nconvenience checks immediately; otherwise you may be liable\nif an unauthorized convenience check is paid on your account.\n\n(e) Foreign Transactions: Purchases and Cash Advances made\nin foreign countries and foreign currencies will be billed to\nyou in U.S. dollars. The exchange rate between the\ntransaction currency and the billing currency (U.S. dollars)\nwill be (a) a rate selected by Visa from the range of rates\navailable in the wholesale currency markets for the\napplicable central processing date, which rate may vary\nfrom the rate Visa itself receives, or (b) the governmentmandated rate in effect for the applicable central\nprocessing date, in each instance, plus or minus any\nadjustment determined by the Credit Union. If a Cash\nAdvance is conducted an additional fee of 2% of the\ntransaction amount ($5 minimum) will apply.\n(f) Inquiries: Information about your Visa account is available 24\nhours a day through VISA PIN POINT service or through the\nHome Banking section of the Credit Union website. Either\nservice will provide account information such as your balance,\nlast payment received and/or your available credit. VISA PIN\nPOINT can be accessed with a touch-tone telephone by\ncalling (800) 892-9603. The Credit Union website address is\nwww.myEECU.org.\n(g) Prohibited Transactions: You agree that you will not use or\nallow your Visa account to be used for illegal transactions\nsuch as illegal gambling. If we reasonably believe a\ntransaction is unlawful we have the right but not the duty to\ndecline it. Display of a Visa logo by a merchant does not\nnecessarily mean that the transaction is lawful.\nResponsibility for determining the legality of your Visa\ntransactions rests with you, not with us. The actual or\nalleged illegality of an authorized transaction will not be\ndefense to your obligation to pay.\n(h) We will not be liable for the failure or refusal of any merchant\nto accept your Visa Card or Visa convenience checks.\nYOUR CREDIT LIMIT\nIf your Visa application is approved, the Credit Union will\nestablish a self-replenishing line of credit for you, and notify\nyou of the amount in writing. This means that you can borrow\nthe full amount of the credit limit, repay the principal in full or\npart, and borrow again up to your maximum amount of credit,\nas long as you remain a member in good standing of the Credit\nUnion and continue to be creditworthy. Your credit limit and\nthe unused portion still available to you will show on your\nmonthly statement. Your available amount is reduced by the\nprincipal balance owing, accrued finance charges, fees and\nlate charges, if any. You agree not to let the account balance\nexceed your approved credit limit.\nIf you wish to increase your credit limit, you must apply to the\nCredit Union by written, phone, or online application, which\nmust be approved. Unless prohibited by law, we may increase\nyour credit limit at any time at our option and will notify you in\nwriting if we do this. Your credit limit will be reviewed\nperiodically and you may be requested to provide current\ninformation. We will notify you in writing if we increase,\ndecrease, or terminate with good cause your credit limit and/or\naccount. Good cause includes, but is not limited to, your\nfailure to comply with this agreement or our adverse reevaluation of your creditworthiness.\n\nBALANCE TRANSFERS\nYou may ask the Credit Union to transfer the balance of your\nother credit cards to your EECU Visa account by sending us a\nwritten request to do so or by using a Visa convenience check.\nYour written request must state the name of the company, the\naddress, the account number and the amount of the payoff or\nmust include a payment stub. Balance Transfers are subject to\nfees as outlined in the \xe2\x80\x9cOTHER CHARGES\xe2\x80\x9d section of this\nagreement. If you elect to transfer balances to your EECU Visa\naccount, the following will apply:\n(a) Transfer Amount: We will transfer as much as possible without\nexceeding your credit line.\n(b) Minimum Payments: Allow four (4) weeks for balances to be\ntransferred. You should continue paying the minimum\nmonthly amount due on your other accounts until the\nbalances have been transferred. We are not responsible for\nany late payments, finance charges, disputed amounts or\nerrors on your other accounts.\n(c) Billing Disputes: If you currently have any amounts in a billing\ndispute, we recommend that they not be transferred because\nyou may lose your billing dispute rights.\n(d) Finance Charge: Balance Transfers are treated as Cash\nAdvances and are assessed finance charges from the\ntransaction date. Finance charges continue until payment in\nfull is received for the balance.\n(e) Closing Accounts: Transferring balances may not\nautomatically close your other accounts. To do so, you should\ncontact each company directly.\nMONTHLY PAYMENTS\nYou agree to pay all amounts borrowed plus interest, fees and\nother charges called for by this agreement in U.S. dollars using\nlawful instruments drawn on U.S. financial institutions. You\nagree to make at least your required minimum monthly\npayment on or before the due date on your periodic statement.\nMINIMUM PAYMENT SCHEDULE\nBALANCE\nMINIMUM PAYMENT\nUnder $20\nEntire Balance\n$20 to $1,000\n$20\nOver $1,000\n2% of the principal balance\nYour minimum payment must also include any past-due or overlimit amounts. If your balance exceeds $1,000, increased balances\nwill result in increased minimum payments.\nThe minimum payment amount may be applied to the lowest rate\nbalance. To the extent your payment exceeds the required minimum;\nthe excess will be applied first to higher rate balances and then to\nlower rate balances. Subject to the requirement that payments in\nexcess of the minimum be applied to higher-rate balances first,\npayments are applied in the following order: (a) previously billed\ninterest, fees and other charges; (b) previously billed Purchases and\nCash Advances; and (c) interest, fees and other charges on\nPurchases and Cash Advances during the current billing cycle; and\n(d) Purchases and Cash Advances during the current billing cycle.\nIf you take advantage of any promotional or introductory APR\noffers, payments to your account may be applied to the\nbalances at the promotional or introductory APR offer first and\n\nnot to balances with higher APRs until the promotional or\nintroductory APR balances have been paid in full or have\nexpired.\nYou can pay all or part of your full balance due at any time\nwithout prepayment penalty. If you make more than your\nrequired minimum payment, you will still be required to make\nyour next month\'s required minimum payment by its due date.\nMaking more than the required minimum payment will\ngenerally reduce the time it takes to pay off your balance and\nthe interest you pay.\nWe may offer \xe2\x80\x9cskip payment\xe2\x80\x9d promotions from time to time. If\nyou elect to skip your payment, interest will continue to accrue.\nOur offering you a skip payment will not waive our right to\nrequire you to make any other payment on its due date.\nMAKING PAYMENTS\nMail the top half of your monthly Visa statement with your check\nor other payment instrument to the address shown on your\nperiodic statement. You may also make your payment at any of\nour offices or through the EECU Home Banking site by making a\ntransfer from your deposit account. It is your responsibility to\nensure that your payment arrives at our payment processing\ncenter on time. We are not responsible for mail lost, damaged or\nmisdelivered by the postal service.\nDO NOT INCLUDE PAYMENTS FOR OTHER\nOBLIGATIONS WITH YOUR CREDIT CARD PAYMENT\n\nEECU\n\nFINANCE CHARGES\nYou will pay interest and other charges on your Visa account.\nInterest and some of the other charges are called \xe2\x80\x9cFinance\nCharges.\xe2\x80\x9d Finance Charges are the amounts of money that\nyou pay for the money that you borrow. In addition to\ninterest, some of the fees in the \xe2\x80\x9cOTHER CHARGES\xe2\x80\x9d section\nof your Visa Account Agreement and Disclosure, shown in\nbold, are considered Finance Charges. To make Visa\naccounts available to as many members as possible, we\noffer a variety of rates. The actual rate of interest applicable\nto your account will depend on a number of factors we may\nlawfully consider, including but not limited to your credit\nhistory. When you are approved for a Visa account, we will\ndisclose the ANNUAL PERCENTAGE RATE and any variable\nrate formula that will apply to your Educational Employees\nCredit Union Visa account in writing before you can start\nusing your account.\nFinance Charge Calculation Method: Average Daily Balance\n(including new purchases): We start by calculating the average\ndaily balance for the billing period. For each day of the billing\nperiod, we determine the daily balance by adding up all Cash\nAdvances, Purchases, and debit adjustments plus any amount\noutstanding as of your most recent payment, then subtracting\nany payments and credits for that day. We then add all of the\ndaily balances for the billing period and divide them by the\nnumber of days in the billing period. We then multiply the\naverage daily balance by the monthly periodic rate to\ndetermine the finance charge for that billing period. The\nminimum finance charge in a billing cycle is $.50.\n\nGrace Period: You will have a grace period of 25 days on\naverage for repayment of Purchases. Cash Advances and\nBalance Transfers are subject to finance charges from the day\nthey post to your account until they are paid in full. If you do not\npay your entire statement balance in full within the 25-day grace\nperiod, finance charges will accrue.\nWe can change your interest rate and other finance charges\nby giving you advance notice as is required by applicable\nlaw. Unless you have a variable rate account, changes will\ngenerally apply to transactions initiated more than 14 days\nafter provision of the notice.\nOTHER CHARGES\nIn addition to Finance Charges, the following fees may be\nassessed to your Visa Account. They will be added to the\nprincipal balance and will accrue interest until paid:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nLate Payment:\nReturned Payment:\nOver-the-Credit Limit:\nBalance Transfer:\n\nUp to $15.00\n$24.00\nNone\n$5.00 or 2% of the transfer\namount, whichever is greater\nCash Advance:*\n$5.00 or 2% of the cash advance\namount, whichever is greater\nAccount Research:\n$20.00 per hour, one hour\nminimum\nStatement Copies:\n$3.00 per statement\nReplacement Cards:\n$5.00 per card, plus additional\ncharge for rush orders\nStop Payment on Recurring\nVisa Transaction:\n$15.00\nStop Payment on\nVisa Convenience Check: $15.00\nVisa Convenience Check: The standard cash advance fee\napplies to each Visa\nConvenience Check paid\nVisa Sales Slip Copy:\n$12.00 each\nVisa Card Rush Order:\n2 days - $25.00; 4 days - $15.00\n\nFor new accounts, fees and charges are also stated in the Truth\nin Lending Credit Card Opening Disclosure incorporated into\nthis Agreement by reference and provided to you separately\nwhen your account was opened.\n*The following are considered Cash Advances: (a) obtaining\ncash at an ATM using your Visa card; (b) a Cash Advance at a\nfinancial institution or other entity that offer Visa Cash\nAdvances; (c) funds from the use of a Visa convenience check;\n(d) a Balance Transfer.\n\nCREDITS\nIf a merchant who honors your card gives you credit for returns\nor adjustments, he will do so by sending us a credit slip which we\nwill post to your account. You will be liable for any finance\ncharges that accrue between the end of your grace period and\nthe time the credit posts to your account. If your credits and\npayments exceed what you owe, the amount will be applied\nagainst future Purchases and Cash Advances. If the credit is $1\n\n\x0cnot smaller than the minimum monthly payment required as\ndisclosed in the paragraph entitled, "Making Payments." On a\njoint account, each party is equally responsible for all charges\nunder this agreement, even though another person has been\ndirected to pay the debt by agreement of court order such as a\ndivorce decree. You agree to notify us immediately of any change\nin your name, address, or any change in your financial condition\nwhich may affect your ability to repay.\nPERSONS USING YOUR ACCOUNT\nYou are obligated to repay any charges resulting from the use\nof the card or a Visa convenience check by another person\nwith your permission whether or not the person stays within\nthe limits set by you. If you notify us that a previously\nauthorized user is no longer authorized to use the account, we\nwill follow our usual procedures to preclude their further use of\nthe account. If you cannot get the card back from the user, you\nmust let us know and we will treat the card as stolen.\nOtherwise you must return the card to us. You will be liable for\nall use of the card up to the time you notify us that the\nauthorization is terminated.\nAny persons who use the card or convenience checks are also\nobligated to repay the Credit Union for all charges incurred\nbecause of their use of the card or loan drafts.\nOUR RESPONSIBILITY\nIf you have available credit and are not otherwise in default, we\nwill honor Purchases and Balance Transfers up to your credit limit\nand Cash Advances up to your Cash Advance limit. We will\nprovide you with a timely monthly statement that contains all\ninformation and disclosure required by law.\nLOST/STOLEN OR UNAUTHORIZED USE OF CARD\nUnless you have notified us that the card has been lost or\nstolen, all transactions, whether made by you or another\nperson, will be assumed to have been made with your\nconsent. You agree to report the loss, theft, or unauthorized\nuse of your card promptly. Report your lost/stolen card to (559)\n437-7700 or (800) 538-EECU. You may also write to us at P.O.\nBox 5242, Fresno CA 93755-5242. Calling us is the best way\nto keep losses down. Per Visa operating rules, you will\ngenerally have no liability for unauthorized use of your card.\nHowever, it benefits all Credit Union members if losses due to\nunauthorized use claims are kept to a minimum.\nThe zero liability rule does not apply to certain point-of-sale and\nATM transactions as set forth in Visa operating rules. Your\nmaximum liability for unauthorized use of a Visa credit card for\nthese point-of-sale or ATM transactions is $50. Your liability may\nincrease if you report the loss or theft of your card more than two\nbusiness days (48 hours) after the discovery of the loss or theft.\nYou will have no liability for unauthorized transactions that occur\nafter you report the loss or theft of your card to us.\nYou may create a special "Verified by Visa" password to verify\nyour identity and provide added protection to your online\nPurchases. You can create your own password at\nwww.visa.com/verified.\n\nHOW TO USE YOUR VISA ACCOUNT\nYour Visa account can be accessed in the ways detailed below.\nYour monthly Visa statement will identify the merchant, electronic\nterminal, or financial institution at which transactions were made;\nbut sales, Cash Advances, and credit slips cannot be returned with\nthe statement. You will retain your copy of such slips furnished at\nthe time of the transaction in order to verify the monthly statement.\n(a) Cash Advances: You may obtain Cash Advances on your Visa\naccount at any branch of the Credit Union up to your cash\nadvance limit, which may be lower than your credit limit. You\nmay obtain Cash Advances at other financial institutions that\nhonor Visa cards, subject to those institutions\' limitations.\nCash Advances are subject to fees as outlined in the \xe2\x80\x9cOTHER\nCHARGES\xe2\x80\x9d section of this agreement.\n(b) Cash Advances at an Automated Teller Machine (ATM): ATMs\nlocated across the nation will disburse Cash Advances on\nyour card; a Visa emblem will be shown on the face of each\nmachine. To receive a Cash Advance from a participating Visa\nATM, you must insert your card and input your Personal\nIdentification Number (PIN) which you will receive within 5 to\n10 days after you receive your card. The maximum Cash\nAdvance may vary between ATMs. The use of your credit card\nfor ATM access is subject to additional ATM disclosure terms.\nCash Advances are subject to fees as outlined in the \xe2\x80\x9cOTHER\nCHARGES\xe2\x80\x9d section of this agreement.\nIMPORTANT: FOR YOUR PROTECTION, DO NOT WRITE\nYOUR PIN NUMBER ON YOUR CARD OR KEEP IT NEAR\nYOUR CARD.\n(c) Purchases: You may use your Visa card for Purchases anywhere\nthe card is honored by presenting the card to the merchant and\nsigning the sales slip or voucher. You can also make Purchases\nby mail, telephone, or via the internet by providing the merchant\nwith your card number and expiration date.\n(d) Visa Convenience Checks: The Credit Union from time to time\nmay send you Visa convenience checks. You can use them to\nmake Purchases or to obtain loan advances. You may not use\nthe convenience checks to pay any outstanding balance you\nowe under this agreement. Visa convenience checks are\ntreated as a Cash Advance for purposes of calculating finance\ncharges, whether you use them to make a Purchase or to\nobtain a Cash Advance. Use of Visa convenience checks are\nsubject to fees as outlined in the \xe2\x80\x9cOTHER CHARGES\xe2\x80\x9d section\nof this agreement.\nVisa convenience checks are subject to the following\nadditional rules: (i) Merchant dispute rights to which credit\ncards are subject do not apply to use of Visa convenience\nchecks. (ii) To stop payment on a Visa convenience checks,\nyou must provide your account number, the draft number and\nthe exact amount of the draft; otherwise our computer system\nwill not be able to find the draft and stop payment on it and you\nwill need to resolve any disputes directly with the payee of the\ndraft. (iii) Destroy any Visa convenience checks you do not\nwish to use. (iv) We will not be responsible for unauthorized\nconvenience checks paid on your account unless you report\nthem to us within 60 days after we mail you the first statement\non which they appear. (v) Report any lost or stolen\nconvenience checks immediately; otherwise you may be liable\nif an unauthorized convenience check is paid on your account.\n\n(e) Foreign Transactions: Purchases and Cash Advances made\nin foreign countries and foreign currencies will be billed to\nyou in U.S. dollars. The exchange rate between the\ntransaction currency and the billing currency (U.S. dollars)\nwill be (a) a rate selected by Visa from the range of rates\navailable in the wholesale currency markets for the\napplicable central processing date, which rate may vary\nfrom the rate Visa itself receives, or (b) the governmentmandated rate in effect for the applicable central\nprocessing date, in each instance, plus or minus any\nadjustment determined by the Credit Union. If a Cash\nAdvance is conducted an additional fee of 2% of the\ntransaction amount ($5 minimum) will apply.\n(f) Inquiries: Information about your Visa account is available 24\nhours a day through VISA PIN POINT service or through the\nHome Banking section of the Credit Union website. Either\nservice will provide account information such as your balance,\nlast payment received and/or your available credit. VISA PIN\nPOINT can be accessed with a touch-tone telephone by\ncalling (800) 892-9603. The Credit Union website address is\nwww.myEECU.org.\n(g) Prohibited Transactions: You agree that you will not use or\nallow your Visa account to be used for illegal transactions\nsuch as illegal gambling. If we reasonably believe a\ntransaction is unlawful we have the right but not the duty to\ndecline it. Display of a Visa logo by a merchant does not\nnecessarily mean that the transaction is lawful.\nResponsibility for determining the legality of your Visa\ntransactions rests with you, not with us. The actual or\nalleged illegality of an authorized transaction will not be\ndefense to your obligation to pay.\n(h) We will not be liable for the failure or refusal of any merchant\nto accept your Visa Card or Visa convenience checks.\nYOUR CREDIT LIMIT\nIf your Visa application is approved, the Credit Union will\nestablish a self-replenishing line of credit for you, and notify\nyou of the amount in writing. This means that you can borrow\nthe full amount of the credit limit, repay the principal in full or\npart, and borrow again up to your maximum amount of credit,\nas long as you remain a member in good standing of the Credit\nUnion and continue to be creditworthy. Your credit limit and\nthe unused portion still available to you will show on your\nmonthly statement. Your available amount is reduced by the\nprincipal balance owing, accrued finance charges, fees and\nlate charges, if any. You agree not to let the account balance\nexceed your approved credit limit.\nIf you wish to increase your credit limit, you must apply to the\nCredit Union by written, phone, or online application, which\nmust be approved. Unless prohibited by law, we may increase\nyour credit limit at any time at our option and will notify you in\nwriting if we do this. Your credit limit will be reviewed\nperiodically and you may be requested to provide current\ninformation. We will notify you in writing if we increase,\ndecrease, or terminate with good cause your credit limit and/or\naccount. Good cause includes, but is not limited to, your\nfailure to comply with this agreement or our adverse reevaluation of your creditworthiness.\n\nBALANCE TRANSFERS\nYou may ask the Credit Union to transfer the balance of your\nother credit cards to your EECU Visa account by sending us a\nwritten request to do so or by using a Visa convenience check.\nYour written request must state the name of the company, the\naddress, the account number and the amount of the payoff or\nmust include a payment stub. Balance Transfers are subject to\nfees as outlined in the \xe2\x80\x9cOTHER CHARGES\xe2\x80\x9d section of this\nagreement. If you elect to transfer balances to your EECU Visa\naccount, the following will apply:\n(a) Transfer Amount: We will transfer as much as possible without\nexceeding your credit line.\n(b) Minimum Payments: Allow four (4) weeks for balances to be\ntransferred. You should continue paying the minimum\nmonthly amount due on your other accounts until the\nbalances have been transferred. We are not responsible for\nany late payments, finance charges, disputed amounts or\nerrors on your other accounts.\n(c) Billing Disputes: If you currently have any amounts in a billing\ndispute, we recommend that they not be transferred because\nyou may lose your billing dispute rights.\n(d) Finance Charge: Balance Transfers are treated as Cash\nAdvances and are assessed finance charges from the\ntransaction date. Finance charges continue until payment in\nfull is received for the balance.\n(e) Closing Accounts: Transferring balances may not\nautomatically close your other accounts. To do so, you should\ncontact each company directly.\nMONTHLY PAYMENTS\nYou agree to pay all amounts borrowed plus interest, fees and\nother charges called for by this agreement in U.S. dollars using\nlawful instruments drawn on U.S. financial institutions. You\nagree to make at least your required minimum monthly\npayment on or before the due date on your periodic statement.\nMINIMUM PAYMENT SCHEDULE\nBALANCE\nMINIMUM PAYMENT\nUnder $20\nEntire Balance\n$20 to $1,000\n$20\nOver $1,000\n2% of the principal balance\nYour minimum payment must also include any past-due or overlimit amounts. If your balance exceeds $1,000, increased balances\nwill result in increased minimum payments.\nThe minimum payment amount may be applied to the lowest rate\nbalance. To the extent your payment exceeds the required minimum;\nthe excess will be applied first to higher rate balances and then to\nlower rate balances. Subject to the requirement that payments in\nexcess of the minimum be applied to higher-rate balances first,\npayments are applied in the following order: (a) previously billed\ninterest, fees and other charges; (b) previously billed Purchases and\nCash Advances; and (c) interest, fees and other charges on\nPurchases and Cash Advances during the current billing cycle; and\n(d) Purchases and Cash Advances during the current billing cycle.\nIf you take advantage of any promotional or introductory APR\noffers, payments to your account may be applied to the\nbalances at the promotional or introductory APR offer first and\n\nnot to balances with higher APRs until the promotional or\nintroductory APR balances have been paid in full or have\nexpired.\nYou can pay all or part of your full balance due at any time\nwithout prepayment penalty. If you make more than your\nrequired minimum payment, you will still be required to make\nyour next month\'s required minimum payment by its due date.\nMaking more than the required minimum payment will\ngenerally reduce the time it takes to pay off your balance and\nthe interest you pay.\nWe may offer \xe2\x80\x9cskip payment\xe2\x80\x9d promotions from time to time. If\nyou elect to skip your payment, interest will continue to accrue.\nOur offering you a skip payment will not waive our right to\nrequire you to make any other payment on its due date.\nMAKING PAYMENTS\nMail the top half of your monthly Visa statement with your check\nor other payment instrument to the address shown on your\nperiodic statement. You may also make your payment at any of\nour offices or through the EECU Home Banking site by making a\ntransfer from your deposit account. It is your responsibility to\nensure that your payment arrives at our payment processing\ncenter on time. We are not responsible for mail lost, damaged or\nmisdelivered by the postal service.\nDO NOT INCLUDE PAYMENTS FOR OTHER\nOBLIGATIONS WITH YOUR CREDIT CARD PAYMENT\n\nEECU\n\nFINANCE CHARGES\nYou will pay interest and other charges on your Visa account.\nInterest and some of the other charges are called \xe2\x80\x9cFinance\nCharges.\xe2\x80\x9d Finance Charges are the amounts of money that\nyou pay for the money that you borrow. In addition to\ninterest, some of the fees in the \xe2\x80\x9cOTHER CHARGES\xe2\x80\x9d section\nof your Visa Account Agreement and Disclosure, shown in\nbold, are considered Finance Charges. To make Visa\naccounts available to as many members as possible, we\noffer a variety of rates. The actual rate of interest applicable\nto your account will depend on a number of factors we may\nlawfully consider, including but not limited to your credit\nhistory. When you are approved for a Visa account, we will\ndisclose the ANNUAL PERCENTAGE RATE and any variable\nrate formula that will apply to your Educational Employees\nCredit Union Visa account in writing before you can start\nusing your account.\nFinance Charge Calculation Method: Average Daily Balance\n(including new purchases): We start by calculating the average\ndaily balance for the billing period. For each day of the billing\nperiod, we determine the daily balance by adding up all Cash\nAdvances, Purchases, and debit adjustments plus any amount\noutstanding as of your most recent payment, then subtracting\nany payments and credits for that day. We then add all of the\ndaily balances for the billing period and divide them by the\nnumber of days in the billing period. We then multiply the\naverage daily balance by the monthly periodic rate to\ndetermine the finance charge for that billing period. The\nminimum finance charge in a billing cycle is $.50.\n\nGrace Period: You will have a grace period of 25 days on\naverage for repayment of Purchases. Cash Advances and\nBalance Transfers are subject to finance charges from the day\nthey post to your account until they are paid in full. If you do not\npay your entire statement balance in full within the 25-day grace\nperiod, finance charges will accrue.\nWe can change your interest rate and other finance charges\nby giving you advance notice as is required by applicable\nlaw. Unless you have a variable rate account, changes will\ngenerally apply to transactions initiated more than 14 days\nafter provision of the notice.\nOTHER CHARGES\nIn addition to Finance Charges, the following fees may be\nassessed to your Visa Account. They will be added to the\nprincipal balance and will accrue interest until paid:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nLate Payment:\nReturned Payment:\nOver-the-Credit Limit:\nBalance Transfer:\n\nUp to $15.00\n$24.00\nNone\n$5.00 or 2% of the transfer\namount, whichever is greater\nCash Advance:*\n$5.00 or 2% of the cash advance\namount, whichever is greater\nAccount Research:\n$20.00 per hour, one hour\nminimum\nStatement Copies:\n$3.00 per statement\nReplacement Cards:\n$5.00 per card, plus additional\ncharge for rush orders\nStop Payment on Recurring\nVisa Transaction:\n$15.00\nStop Payment on\nVisa Convenience Check: $15.00\nVisa Convenience Check: The standard cash advance fee\napplies to each Visa\nConvenience Check paid\nVisa Sales Slip Copy:\n$12.00 each\nVisa Card Rush Order:\n2 days - $25.00; 4 days - $15.00\n\nFor new accounts, fees and charges are also stated in the Truth\nin Lending Credit Card Opening Disclosure incorporated into\nthis Agreement by reference and provided to you separately\nwhen your account was opened.\n*The following are considered Cash Advances: (a) obtaining\ncash at an ATM using your Visa card; (b) a Cash Advance at a\nfinancial institution or other entity that offer Visa Cash\nAdvances; (c) funds from the use of a Visa convenience check;\n(d) a Balance Transfer.\n\nCREDITS\nIf a merchant who honors your card gives you credit for returns\nor adjustments, he will do so by sending us a credit slip which we\nwill post to your account. You will be liable for any finance\ncharges that accrue between the end of your grace period and\nthe time the credit posts to your account. If your credits and\npayments exceed what you owe, the amount will be applied\nagainst future Purchases and Cash Advances. If the credit is $1\n\n\x0cor more, we will refund it to you on your written request. If we do\nnot receive a refund request, we will automatically post the credit\nto your EECU share savings account. We reserve the right to\ndelay increasing your credit limit or delay disbursing credit\nbalance refunds until final collection of non-cash payments on\nyour account for the maximum period allowed by law.\nDEFAULT\nYou will be in default if you fail to make any Minimum\nPayment when due in the proper amount, or if you fail to live\nup to the terms of this agreement. You will also be in default\nif your creditworthiness materially declines, you become\ninsolvent, you file for bankruptcy relief, you die, or you cease\nto be a member of the Credit Union. In addition, you will be\nin default if you have made misleading or incorrect\nstatements or material omissions of information in your\ncredit application, or you fail to notify the Credit Union of a\nchange of your employment, your name, or your address.\nEven if the Credit Union accepts a late payment or a partial\npayment, we are not waiving our right to accelerate payment\nof the account and declare the entire unpaid balance due.\nWe have the right to demand immediate payment of your full\naccount balance if you default, subject to our giving you any\nnotice required by law. You agree to pay our reasonable\ncollection costs before we take legal action. If we take legal\naction to collect what you owe, you agree to pay our\nreasonable attorney\'s fees and court costs, whether the\naction we take is a collection suit, an action to enforce a\njudgment against you, or an action to protect our interests if\nyou become a bankruptcy debtor. Collection costs and\nattorney\'s fees will post to your Visa account balance as\nCash Advances and bear interest at the rate applicable to\nyour Visa account until paid in full.\n\nCHANGES IN AGREEMENT TERMS\nYour EECU Visa Account Agreement and Disclosure is your\nagreement with EECU governing your credit card transactions,\neven though sales and Cash Advance slips and other\ndocuments you sign related to your transactions may have\ndifferent terms printed on them. This Agreement can only be\nmodified by a writing signed by an authorized EECU\nrepresentative, an official EECU change in terms notice, or the\norder of a court to whose jurisdiction we are subject, such as\na bankruptcy court. No oral statements by EECU employees\ncan alter the terms of this Agreement.\nChanges in terms, unless favorable to you, will generally apply\nonly to transactions made after the effective date of the\nchange, as specified by applicable state and federal laws and\nregulations. If required by law, we will permit you to reject\ncertain types of changes, by providing the Credit Union with an\nopt-out notice and closing your account. You would then be\npermitted to repay any balance on the account under the\nterms in effect prior to the changes or as permitted by law.\nCANCELLATION/TERMINATION OF AGREEMENT\nYou or any jointly obligated party may cancel this agreement at\nany time by notifying us in writing. If we have given you a\nwritten notice of cancellation and you wish to have your\n\naccount re-evaluated for a new line of credit, you must reapply\nand be approved.\n\nNotify Us in Case of Errors or Questions About Your\nStatement or Electronic Transfers\n\nWe may reduce your credit line from time to time, or with good\ncause, revoke your card and terminate this agreement. We will\ngive you thirty days\' notice before we reduce or terminate your\naccount without cause. But as indicated, if you breach this\nagreement we can terminate it without prior notice to you.\nTermination by either of us does not affect your obligation to\npay the account balance, including finance charges. Cards\nand loan drafts remain our property and you must recover and\nsurrender to us all cards and loan drafts upon our request and\nupon termination of this agreement.\n\nIf you think your statement or other documentation is wrong or\nif you need more information about a transaction on your\nstatement, write us on a separate sheet at: Educational\nEmployees Credit Union, Card Services, P.O. Box 5242, Fresno\nCA 93755-5242. Write to us as soon as possible. We must hear\nfrom you no later than 60 days after the error appeared on the\nfirst statement. You can telephone us at (559) 437-7700 or toll\nfree at (800) 538-EECU, but doing so will not preserve your\nrights.\n\nCREDIT INFORMATION RETAINED AND PROVIDED TO\nOTHERS\nYou authorize us to investigate your credit standing when\nopening, renewing, or reviewing your account, and you\nauthorize us to disclose information regarding your account to\ncredit bureaus and other creditors who inquire of us about your\ncredit standing, to the extent authorized by law.\nAs required by law, you are hereby notified that a negative\ncredit report reflecting on your credit record may be submitted\nto a credit reporting agency, if you fail to fulfill the terms of your\ncredit obligation.\nPERMISSION TO CONTACT YOU\nBy providing your telephone number you give the Credit Union\n(and its agents, third party representatives and service\nproviders) permission to contact you regarding your accounts,\ntransactions and services using live representatives,\nautomated dialing services, prerecorded messages and text\nmessages. You give the Credit Union permission to leave\nmessages, including pre-recorded/artificial voice messages,\nrelating to your accounts, transactions and services. If you\nprovide a cellular/mobile number you understand that your\ncarrier may charge fees to receive calls, messages or texts.\nYou agree to, at all times, provide the Credit Union with at least\none telephone number at which you can be reached during\nbusiness hours.\n\nYOUR BILLING RIGHTS\nKEEP THIS NOTICE FOR FUTURE USE\nSTATE AND LOCAL LAW: The following summary of your\nrights under federal law does not cover all rights you may\nhave under State and Local law. If, under State or local law,\nyou have a longer period of time in which to send an inquiry\nto the Credit Union concerning your statement, reliance on\nany such longer time period may result in your losing\nimportant rights which could be preserved by acting more\npromptly under federal law. State or local provisions, if any,\nonly become operative upon the expiration of the time\nperiod provided by Federal Regulation Z for submitting a\nproper written notification of an error. This notice contains\nimportant information about your rights and responsibilities\nunder the Fair Credit Billing Act.\n\nIn your letter, give us the following information:\n\xe2\x80\xa2 Your name and account number.\n\xe2\x80\xa2 The dollar amount of the suspected error.\n\xe2\x80\xa2 A description of the error and explanation of why you believe\nthere is an error. If you need more information, describe the\nitem you are not sure about.\nHow to Stop Payment of a Pre-authorized Electronic\nFund Transfer\nIf you have authorized us to make your Visa payment\nautomatically from your share draft account, you can stop the\npayment on any amount you think is wrong. To stop payment\nyou must contact us in writing within 3 business days before\nthe automatic payment is scheduled to occur. If you telephone\nyour request, we will require you to confirm your verbal request\nin writing. If you order us to stop one of these payments 3\nbusiness days or more before the transfer is scheduled, and\nwe do not do so, we will be liable for your losses or damages\nup to the amount of the transfer.\nYour Rights and Our Responsibilities After We Receive\nYour Written Notice of Error\nWe must acknowledge your letter within 30 days, unless we have\ncorrected the error by then. Within 90 days, we must either correct\nthe error or explain why we believe the statement is correct.\nAfter we receive your letter and if you have not yet paid the\ndisputed amount, we cannot try to collect any amount you\nquestion, or report you as delinquent. We can continue to bill\nyou for the amount you question, including finance charges,\nand we can apply any unpaid amount against your credit limit.\nYou do not have to pay the questioned amount while we are\ninvestigating, but you are still obligated to pay the parts of your\nstatement that are not in question.\nIf we find that we made a mistake on your statement, you will not\nhave to pay any finance charges related to any questioned\namount. If we did not make a mistake, you may have to pay the\nfinance charge, and you will have to make up any missed\npayments on the questioned amount. In either case, we will send\nyou a statement of the amount you owe and the date that it is due.\nIf you fail to pay the amount that we think you owe, we may\nreport you as delinquent. However, if our explanation does not\nsatisfy you and you write to us within 10 days telling us that you\nstill refuse to pay, we must tell anyone we report you to that you\nhave a question about your statement. We must tell you the\nname of anyone we reported you to and we must let them\nknow when the matter has been settled.\n\nSpecial Rule for Credit Card Purchases\nIf you have a problem with the quality of property or services\nthat you purchase with a credit card and you have tried in good\nfaith to correct the problem with the merchant, you may have\nthe right not to pay the remaining amount due on the property\nor services. There are two limitations on this right:\na) You must have made the purchase in your home state, or if\nnot within your home state within 100 miles of your current\nmailing address; and\n(b) The purchase price must have been more than $50. These\nlimitations do not apply if we own or operate the merchant,\nor if we mailed you the advertisement for the property or\nservices.\nUnder California law our right to recover outstanding credit\nextended to you for Purchases is subject to any defenses that\nyou have against the seller, if:\n1. The purchase price of the item in question exceeded $50;\n2. The purchase was made in California;\n3. You made a written demand on the retailer and made a\ngood faith attempt to get satisfaction of your complaint;\nand\n4. You notify us, in writing, of the name of the seller, the date\nof purchase, the price paid, the goods or services\npurchased, the nature of your defense and the acts which\nyou took to obtain satisfaction from the seller.\nThe amount to which the defense applies is limited to the\namount outstanding on the purchase as well as late charges\nand finance charges at the time the written demand is\nreceived by us. This remedy is the only one you have against\nus. Your rights are limited to those circumstances outlined in\nCalifornia Civil Code \xc2\xa7 1747.90. Purchases with cash or check\nare not included in this section, even though you used your\ncredit card to validate your credit. We cannot penalize you by\neither giving out unfavorable credit information about you or\ncanceling or refusing to renew your credit card solely because\nyou obtained relief under the remedies you have for correcting\nbilling errors.\nTERMS APPLICABLE TO VISA PLATINUM MYEECU\nREWARDS PROGRAM\nVisa Platinum cardholders may participate in the MYEECU\nRewards program which is governed by the Program Rules\noutlined in the CURewards brochure. The following additional\nrules apply to the CURewards program:\na. No points are earned for a balance transfer from an existing\nEECU Visa account or from another credit card.\nb. Points will accrue over five calendar years and will expire on\na first-in-first-out basis annually; points earned in calendar\nyear one will expire as of the last day of calendar year five.\n(For example, points earned in 2014 will expire December\n31, 2019; points earned in 2015 will expire December 31,\n2020, etc.).\nc. If your account is closed or becomes inactive for 18\nconsecutive months or if you fail to make the minimum\npayment due by the payment due date for two consecutive\nbilling periods, your points may be forfeited.\n\nATM DISCLOSURE\nYou may use your card to obtain Cash Advances through\nAutomated Teller Machines that are part of a nationwide network\nof Visa ATMs. These special provisions apply.\nAVAILABLE SERVICES\n1. The amount of cash you can obtain may vary depending on\nthe ATM you use.\n2. ATM service is generally available seven days a week, 24\nhours a day.\nDOCUMENTATION OF TRANSACTIONS\nCash Advances using your Visa card at an ATM will be shown on\na transaction receipt and on your periodic statement.\nCREDIT UNION LIABILITY\nIf we do not properly complete a transaction according to our\nagreement with you, we will be liable for your direct losses or\ndamages. However, there are some exceptions. We will not be\nliable, if:\na. through no fault of ours, you do not have sufficient available\ncredit to make the transaction;\nb. the ATM system was not working properly and you knew\nabout the breakdown when you started the transaction;\nc. the money in your account is subject to legal process or other\nclaim;\nd. your PIN (Personal Identification Number) has been reported\nmissing and we have blocked its use;\ne. circumstances beyond our control, such as fire, flood,\nelectrical failure, or malfunction of the central data processing\nfacility prevent the completion of the transaction despite our\nreasonable precautions; or\nf. there are other lawful exceptions established by us and you\nare given proper advance notice of them.\nIn no event will the Credit Union be liable for consequential\nindirect costs or damages.\nFEES\nIf you perform a Cash Advance at an ATM not owned by us, the\nowner of the ATM may charge an ATM transaction fee.\nSECURITY\nDo not use an ATM unless it appears safe to do so. Do not key\nin your PIN if someone is looking. Be sure you take your card and\nreceipt when you are done. Put your money away quickly and\nleave the site.\n\nVISA ACCOUNT AGREEMENT\nand\nDISCLOSURE\nEDUCATIONAL EMPLOYEES CREDIT UNION\nShaded Paragraphs Are Truth in Lending Requirements.\nThis agreement outlines the terms and conditions of your\nEducational Employees Credit Union Visa account and provides\ncertain disclosure information required by government\nregulations. Keep this disclosure with your permanent\ndocuments.\nIn this document, the words "you," "your," and "yours," refer to\neach and all of those who apply for a Visa credit card, sign the\nagreement, or all parties who use the card. The words "we," "us,"\n"our," \xe2\x80\x9cCredit Union,\xe2\x80\x9d and \xe2\x80\x9cEECU\xe2\x80\x9d refer to the Educational\nEmployees Credit Union. The term "card" refers to the Visa\ncredit card received with this agreement and any duplicates\nand/or renewals we issue. The term "account" refers to your Visa\ncredit card line of credit account with us.\nYou acknowledge receipt of a copy of this Visa Account\nAgreement and Disclosure. By using the card, any access\ndevice, or by authorizing another person to use your account,\nyou agree to and accept the terms as stated.\nGENERAL TERMS\nThe terms of this agreement must be read together as part of the\nwhole agreement. When the singular is used the plural is implied\nif there is more than one signer. If any part of this agreement is\nfound to be invalid the other parts shall remain in effect.\nAny borrower who receives a card issued under this agreement\nmust be a member of this Credit Union.\nYOUR RESPONSIBILITY\nIf your application is approved, each applicant will receive a card\nand will be able to use the account. The applicants may also\nreceive Visa convenience checks from time to time at the Credit\nUnion\'s option. Each applicant is liable to repay the account\nunder the terms of this agreement.\n\nFederally Insured by NCUA\n\xc2\xa9EECU\n(V.2.22.2010)\n\nDISC 2 25M (12/15)\n\nM-116986\n\nYou agree to make your payments when due, and in an amount\n\n\x0cor more, we will refund it to you on your written request. If we do\nnot receive a refund request, we will automatically post the credit\nto your EECU share savings account. We reserve the right to\ndelay increasing your credit limit or delay disbursing credit\nbalance refunds until final collection of non-cash payments on\nyour account for the maximum period allowed by law.\nDEFAULT\nYou will be in default if you fail to make any Minimum\nPayment when due in the proper amount, or if you fail to live\nup to the terms of this agreement. You will also be in default\nif your creditworthiness materially declines, you become\ninsolvent, you file for bankruptcy relief, you die, or you cease\nto be a member of the Credit Union. In addition, you will be\nin default if you have made misleading or incorrect\nstatements or material omissions of information in your\ncredit application, or you fail to notify the Credit Union of a\nchange of your employment, your name, or your address.\nEven if the Credit Union accepts a late payment or a partial\npayment, we are not waiving our right to accelerate payment\nof the account and declare the entire unpaid balance due.\nWe have the right to demand immediate payment of your full\naccount balance if you default, subject to our giving you any\nnotice required by law. You agree to pay our reasonable\ncollection costs before we take legal action. If we take legal\naction to collect what you owe, you agree to pay our\nreasonable attorney\'s fees and court costs, whether the\naction we take is a collection suit, an action to enforce a\njudgment against you, or an action to protect our interests if\nyou become a bankruptcy debtor. Collection costs and\nattorney\'s fees will post to your Visa account balance as\nCash Advances and bear interest at the rate applicable to\nyour Visa account until paid in full.\n\nCHANGES IN AGREEMENT TERMS\nYour EECU Visa Account Agreement and Disclosure is your\nagreement with EECU governing your credit card transactions,\neven though sales and Cash Advance slips and other\ndocuments you sign related to your transactions may have\ndifferent terms printed on them. This Agreement can only be\nmodified by a writing signed by an authorized EECU\nrepresentative, an official EECU change in terms notice, or the\norder of a court to whose jurisdiction we are subject, such as\na bankruptcy court. No oral statements by EECU employees\ncan alter the terms of this Agreement.\nChanges in terms, unless favorable to you, will generally apply\nonly to transactions made after the effective date of the\nchange, as specified by applicable state and federal laws and\nregulations. If required by law, we will permit you to reject\ncertain types of changes, by providing the Credit Union with an\nopt-out notice and closing your account. You would then be\npermitted to repay any balance on the account under the\nterms in effect prior to the changes or as permitted by law.\nCANCELLATION/TERMINATION OF AGREEMENT\nYou or any jointly obligated party may cancel this agreement at\nany time by notifying us in writing. If we have given you a\nwritten notice of cancellation and you wish to have your\n\naccount re-evaluated for a new line of credit, you must reapply\nand be approved.\n\nNotify Us in Case of Errors or Questions About Your\nStatement or Electronic Transfers\n\nWe may reduce your credit line from time to time, or with good\ncause, revoke your card and terminate this agreement. We will\ngive you thirty days\' notice before we reduce or terminate your\naccount without cause. But as indicated, if you breach this\nagreement we can terminate it without prior notice to you.\nTermination by either of us does not affect your obligation to\npay the account balance, including finance charges. Cards\nand loan drafts remain our property and you must recover and\nsurrender to us all cards and loan drafts upon our request and\nupon termination of this agreement.\n\nIf you think your statement or other documentation is wrong or\nif you need more information about a transaction on your\nstatement, write us on a separate sheet at: Educational\nEmployees Credit Union, Card Services, P.O. Box 5242, Fresno\nCA 93755-5242. Write to us as soon as possible. We must hear\nfrom you no later than 60 days after the error appeared on the\nfirst statement. You can telephone us at (559) 437-7700 or toll\nfree at (800) 538-EECU, but doing so will not preserve your\nrights.\n\nCREDIT INFORMATION RETAINED AND PROVIDED TO\nOTHERS\nYou authorize us to investigate your credit standing when\nopening, renewing, or reviewing your account, and you\nauthorize us to disclose information regarding your account to\ncredit bureaus and other creditors who inquire of us about your\ncredit standing, to the extent authorized by law.\nAs required by law, you are hereby notified that a negative\ncredit report reflecting on your credit record may be submitted\nto a credit reporting agency, if you fail to fulfill the terms of your\ncredit obligation.\nPERMISSION TO CONTACT YOU\nBy providing your telephone number you give the Credit Union\n(and its agents, third party representatives and service\nproviders) permission to contact you regarding your accounts,\ntransactions and services using live representatives,\nautomated dialing services, prerecorded messages and text\nmessages. You give the Credit Union permission to leave\nmessages, including pre-recorded/artificial voice messages,\nrelating to your accounts, transactions and services. If you\nprovide a cellular/mobile number you understand that your\ncarrier may charge fees to receive calls, messages or texts.\nYou agree to, at all times, provide the Credit Union with at least\none telephone number at which you can be reached during\nbusiness hours.\n\nYOUR BILLING RIGHTS\nKEEP THIS NOTICE FOR FUTURE USE\nSTATE AND LOCAL LAW: The following summary of your\nrights under federal law does not cover all rights you may\nhave under State and Local law. If, under State or local law,\nyou have a longer period of time in which to send an inquiry\nto the Credit Union concerning your statement, reliance on\nany such longer time period may result in your losing\nimportant rights which could be preserved by acting more\npromptly under federal law. State or local provisions, if any,\nonly become operative upon the expiration of the time\nperiod provided by Federal Regulation Z for submitting a\nproper written notification of an error. This notice contains\nimportant information about your rights and responsibilities\nunder the Fair Credit Billing Act.\n\nIn your letter, give us the following information:\n\xe2\x80\xa2 Your name and account number.\n\xe2\x80\xa2 The dollar amount of the suspected error.\n\xe2\x80\xa2 A description of the error and explanation of why you believe\nthere is an error. If you need more information, describe the\nitem you are not sure about.\nHow to Stop Payment of a Pre-authorized Electronic\nFund Transfer\nIf you have authorized us to make your Visa payment\nautomatically from your share draft account, you can stop the\npayment on any amount you think is wrong. To stop payment\nyou must contact us in writing within 3 business days before\nthe automatic payment is scheduled to occur. If you telephone\nyour request, we will require you to confirm your verbal request\nin writing. If you order us to stop one of these payments 3\nbusiness days or more before the transfer is scheduled, and\nwe do not do so, we will be liable for your losses or damages\nup to the amount of the transfer.\nYour Rights and Our Responsibilities After We Receive\nYour Written Notice of Error\nWe must acknowledge your letter within 30 days, unless we have\ncorrected the error by then. Within 90 days, we must either correct\nthe error or explain why we believe the statement is correct.\nAfter we receive your letter and if you have not yet paid the\ndisputed amount, we cannot try to collect any amount you\nquestion, or report you as delinquent. We can continue to bill\nyou for the amount you question, including finance charges,\nand we can apply any unpaid amount against your credit limit.\nYou do not have to pay the questioned amount while we are\ninvestigating, but you are still obligated to pay the parts of your\nstatement that are not in question.\nIf we find that we made a mistake on your statement, you will not\nhave to pay any finance charges related to any questioned\namount. If we did not make a mistake, you may have to pay the\nfinance charge, and you will have to make up any missed\npayments on the questioned amount. In either case, we will send\nyou a statement of the amount you owe and the date that it is due.\nIf you fail to pay the amount that we think you owe, we may\nreport you as delinquent. However, if our explanation does not\nsatisfy you and you write to us within 10 days telling us that you\nstill refuse to pay, we must tell anyone we report you to that you\nhave a question about your statement. We must tell you the\nname of anyone we reported you to and we must let them\nknow when the matter has been settled.\n\nSpecial Rule for Credit Card Purchases\nIf you have a problem with the quality of property or services\nthat you purchase with a credit card and you have tried in good\nfaith to correct the problem with the merchant, you may have\nthe right not to pay the remaining amount due on the property\nor services. There are two limitations on this right:\na) You must have made the purchase in your home state, or if\nnot within your home state within 100 miles of your current\nmailing address; and\n(b) The purchase price must have been more than $50. These\nlimitations do not apply if we own or operate the merchant,\nor if we mailed you the advertisement for the property or\nservices.\nUnder California law our right to recover outstanding credit\nextended to you for Purchases is subject to any defenses that\nyou have against the seller, if:\n1. The purchase price of the item in question exceeded $50;\n2. The purchase was made in California;\n3. You made a written demand on the retailer and made a\ngood faith attempt to get satisfaction of your complaint;\nand\n4. You notify us, in writing, of the name of the seller, the date\nof purchase, the price paid, the goods or services\npurchased, the nature of your defense and the acts which\nyou took to obtain satisfaction from the seller.\nThe amount to which the defense applies is limited to the\namount outstanding on the purchase as well as late charges\nand finance charges at the time the written demand is\nreceived by us. This remedy is the only one you have against\nus. Your rights are limited to those circumstances outlined in\nCalifornia Civil Code \xc2\xa7 1747.90. Purchases with cash or check\nare not included in this section, even though you used your\ncredit card to validate your credit. We cannot penalize you by\neither giving out unfavorable credit information about you or\ncanceling or refusing to renew your credit card solely because\nyou obtained relief under the remedies you have for correcting\nbilling errors.\nTERMS APPLICABLE TO VISA PLATINUM MYEECU\nREWARDS PROGRAM\nVisa Platinum cardholders may participate in the MYEECU\nRewards program which is governed by the Program Rules\noutlined in the CURewards brochure. The following additional\nrules apply to the CURewards program:\na. No points are earned for a balance transfer from an existing\nEECU Visa account or from another credit card.\nb. Points will accrue over five calendar years and will expire on\na first-in-first-out basis annually; points earned in calendar\nyear one will expire as of the last day of calendar year five.\n(For example, points earned in 2014 will expire December\n31, 2019; points earned in 2015 will expire December 31,\n2020, etc.).\nc. If your account is closed or becomes inactive for 18\nconsecutive months or if you fail to make the minimum\npayment due by the payment due date for two consecutive\nbilling periods, your points may be forfeited.\n\nATM DISCLOSURE\nYou may use your card to obtain Cash Advances through\nAutomated Teller Machines that are part of a nationwide network\nof Visa ATMs. These special provisions apply.\nAVAILABLE SERVICES\n1. The amount of cash you can obtain may vary depending on\nthe ATM you use.\n2. ATM service is generally available seven days a week, 24\nhours a day.\nDOCUMENTATION OF TRANSACTIONS\nCash Advances using your Visa card at an ATM will be shown on\na transaction receipt and on your periodic statement.\nCREDIT UNION LIABILITY\nIf we do not properly complete a transaction according to our\nagreement with you, we will be liable for your direct losses or\ndamages. However, there are some exceptions. We will not be\nliable, if:\na. through no fault of ours, you do not have sufficient available\ncredit to make the transaction;\nb. the ATM system was not working properly and you knew\nabout the breakdown when you started the transaction;\nc. the money in your account is subject to legal process or other\nclaim;\nd. your PIN (Personal Identification Number) has been reported\nmissing and we have blocked its use;\ne. circumstances beyond our control, such as fire, flood,\nelectrical failure, or malfunction of the central data processing\nfacility prevent the completion of the transaction despite our\nreasonable precautions; or\nf. there are other lawful exceptions established by us and you\nare given proper advance notice of them.\nIn no event will the Credit Union be liable for consequential\nindirect costs or damages.\nFEES\nIf you perform a Cash Advance at an ATM not owned by us, the\nowner of the ATM may charge an ATM transaction fee.\nSECURITY\nDo not use an ATM unless it appears safe to do so. Do not key\nin your PIN if someone is looking. Be sure you take your card and\nreceipt when you are done. Put your money away quickly and\nleave the site.\n\nVISA ACCOUNT AGREEMENT\nand\nDISCLOSURE\nEDUCATIONAL EMPLOYEES CREDIT UNION\nShaded Paragraphs Are Truth in Lending Requirements.\nThis agreement outlines the terms and conditions of your\nEducational Employees Credit Union Visa account and provides\ncertain disclosure information required by government\nregulations. Keep this disclosure with your permanent\ndocuments.\nIn this document, the words "you," "your," and "yours," refer to\neach and all of those who apply for a Visa credit card, sign the\nagreement, or all parties who use the card. The words "we," "us,"\n"our," \xe2\x80\x9cCredit Union,\xe2\x80\x9d and \xe2\x80\x9cEECU\xe2\x80\x9d refer to the Educational\nEmployees Credit Union. The term "card" refers to the Visa\ncredit card received with this agreement and any duplicates\nand/or renewals we issue. The term "account" refers to your Visa\ncredit card line of credit account with us.\nYou acknowledge receipt of a copy of this Visa Account\nAgreement and Disclosure. By using the card, any access\ndevice, or by authorizing another person to use your account,\nyou agree to and accept the terms as stated.\nGENERAL TERMS\nThe terms of this agreement must be read together as part of the\nwhole agreement. When the singular is used the plural is implied\nif there is more than one signer. If any part of this agreement is\nfound to be invalid the other parts shall remain in effect.\nAny borrower who receives a card issued under this agreement\nmust be a member of this Credit Union.\nYOUR RESPONSIBILITY\nIf your application is approved, each applicant will receive a card\nand will be able to use the account. The applicants may also\nreceive Visa convenience checks from time to time at the Credit\nUnion\'s option. Each applicant is liable to repay the account\nunder the terms of this agreement.\n\nFederally Insured by NCUA\n\xc2\xa9EECU\n(V.2.22.2010)\n\nDISC 2 25M (12/15)\n\nM-116986\n\nYou agree to make your payments when due, and in an amount\n\n\x0cor more, we will refund it to you on your written request. If we do\nnot receive a refund request, we will automatically post the credit\nto your EECU share savings account. We reserve the right to\ndelay increasing your credit limit or delay disbursing credit\nbalance refunds until final collection of non-cash payments on\nyour account for the maximum period allowed by law.\nDEFAULT\nYou will be in default if you fail to make any Minimum\nPayment when due in the proper amount, or if you fail to live\nup to the terms of this agreement. You will also be in default\nif your creditworthiness materially declines, you become\ninsolvent, you file for bankruptcy relief, you die, or you cease\nto be a member of the Credit Union. In addition, you will be\nin default if you have made misleading or incorrect\nstatements or material omissions of information in your\ncredit application, or you fail to notify the Credit Union of a\nchange of your employment, your name, or your address.\nEven if the Credit Union accepts a late payment or a partial\npayment, we are not waiving our right to accelerate payment\nof the account and declare the entire unpaid balance due.\nWe have the right to demand immediate payment of your full\naccount balance if you default, subject to our giving you any\nnotice required by law. You agree to pay our reasonable\ncollection costs before we take legal action. If we take legal\naction to collect what you owe, you agree to pay our\nreasonable attorney\'s fees and court costs, whether the\naction we take is a collection suit, an action to enforce a\njudgment against you, or an action to protect our interests if\nyou become a bankruptcy debtor. Collection costs and\nattorney\'s fees will post to your Visa account balance as\nCash Advances and bear interest at the rate applicable to\nyour Visa account until paid in full.\n\nCHANGES IN AGREEMENT TERMS\nYour EECU Visa Account Agreement and Disclosure is your\nagreement with EECU governing your credit card transactions,\neven though sales and Cash Advance slips and other\ndocuments you sign related to your transactions may have\ndifferent terms printed on them. This Agreement can only be\nmodified by a writing signed by an authorized EECU\nrepresentative, an official EECU change in terms notice, or the\norder of a court to whose jurisdiction we are subject, such as\na bankruptcy court. No oral statements by EECU employees\ncan alter the terms of this Agreement.\nChanges in terms, unless favorable to you, will generally apply\nonly to transactions made after the effective date of the\nchange, as specified by applicable state and federal laws and\nregulations. If required by law, we will permit you to reject\ncertain types of changes, by providing the Credit Union with an\nopt-out notice and closing your account. You would then be\npermitted to repay any balance on the account under the\nterms in effect prior to the changes or as permitted by law.\nCANCELLATION/TERMINATION OF AGREEMENT\nYou or any jointly obligated party may cancel this agreement at\nany time by notifying us in writing. If we have given you a\nwritten notice of cancellation and you wish to have your\n\naccount re-evaluated for a new line of credit, you must reapply\nand be approved.\n\nNotify Us in Case of Errors or Questions About Your\nStatement or Electronic Transfers\n\nWe may reduce your credit line from time to time, or with good\ncause, revoke your card and terminate this agreement. We will\ngive you thirty days\' notice before we reduce or terminate your\naccount without cause. But as indicated, if you breach this\nagreement we can terminate it without prior notice to you.\nTermination by either of us does not affect your obligation to\npay the account balance, including finance charges. Cards\nand loan drafts remain our property and you must recover and\nsurrender to us all cards and loan drafts upon our request and\nupon termination of this agreement.\n\nIf you think your statement or other documentation is wrong or\nif you need more information about a transaction on your\nstatement, write us on a separate sheet at: Educational\nEmployees Credit Union, Card Services, P.O. Box 5242, Fresno\nCA 93755-5242. Write to us as soon as possible. We must hear\nfrom you no later than 60 days after the error appeared on the\nfirst statement. You can telephone us at (559) 437-7700 or toll\nfree at (800) 538-EECU, but doing so will not preserve your\nrights.\n\nCREDIT INFORMATION RETAINED AND PROVIDED TO\nOTHERS\nYou authorize us to investigate your credit standing when\nopening, renewing, or reviewing your account, and you\nauthorize us to disclose information regarding your account to\ncredit bureaus and other creditors who inquire of us about your\ncredit standing, to the extent authorized by law.\nAs required by law, you are hereby notified that a negative\ncredit report reflecting on your credit record may be submitted\nto a credit reporting agency, if you fail to fulfill the terms of your\ncredit obligation.\nPERMISSION TO CONTACT YOU\nBy providing your telephone number you give the Credit Union\n(and its agents, third party representatives and service\nproviders) permission to contact you regarding your accounts,\ntransactions and services using live representatives,\nautomated dialing services, prerecorded messages and text\nmessages. You give the Credit Union permission to leave\nmessages, including pre-recorded/artificial voice messages,\nrelating to your accounts, transactions and services. If you\nprovide a cellular/mobile number you understand that your\ncarrier may charge fees to receive calls, messages or texts.\nYou agree to, at all times, provide the Credit Union with at least\none telephone number at which you can be reached during\nbusiness hours.\n\nYOUR BILLING RIGHTS\nKEEP THIS NOTICE FOR FUTURE USE\nSTATE AND LOCAL LAW: The following summary of your\nrights under federal law does not cover all rights you may\nhave under State and Local law. If, under State or local law,\nyou have a longer period of time in which to send an inquiry\nto the Credit Union concerning your statement, reliance on\nany such longer time period may result in your losing\nimportant rights which could be preserved by acting more\npromptly under federal law. State or local provisions, if any,\nonly become operative upon the expiration of the time\nperiod provided by Federal Regulation Z for submitting a\nproper written notification of an error. This notice contains\nimportant information about your rights and responsibilities\nunder the Fair Credit Billing Act.\n\nIn your letter, give us the following information:\n\xe2\x80\xa2 Your name and account number.\n\xe2\x80\xa2 The dollar amount of the suspected error.\n\xe2\x80\xa2 A description of the error and explanation of why you believe\nthere is an error. If you need more information, describe the\nitem you are not sure about.\nHow to Stop Payment of a Pre-authorized Electronic\nFund Transfer\nIf you have authorized us to make your Visa payment\nautomatically from your share draft account, you can stop the\npayment on any amount you think is wrong. To stop payment\nyou must contact us in writing within 3 business days before\nthe automatic payment is scheduled to occur. If you telephone\nyour request, we will require you to confirm your verbal request\nin writing. If you order us to stop one of these payments 3\nbusiness days or more before the transfer is scheduled, and\nwe do not do so, we will be liable for your losses or damages\nup to the amount of the transfer.\nYour Rights and Our Responsibilities After We Receive\nYour Written Notice of Error\nWe must acknowledge your letter within 30 days, unless we have\ncorrected the error by then. Within 90 days, we must either correct\nthe error or explain why we believe the statement is correct.\nAfter we receive your letter and if you have not yet paid the\ndisputed amount, we cannot try to collect any amount you\nquestion, or report you as delinquent. We can continue to bill\nyou for the amount you question, including finance charges,\nand we can apply any unpaid amount against your credit limit.\nYou do not have to pay the questioned amount while we are\ninvestigating, but you are still obligated to pay the parts of your\nstatement that are not in question.\nIf we find that we made a mistake on your statement, you will not\nhave to pay any finance charges related to any questioned\namount. If we did not make a mistake, you may have to pay the\nfinance charge, and you will have to make up any missed\npayments on the questioned amount. In either case, we will send\nyou a statement of the amount you owe and the date that it is due.\nIf you fail to pay the amount that we think you owe, we may\nreport you as delinquent. However, if our explanation does not\nsatisfy you and you write to us within 10 days telling us that you\nstill refuse to pay, we must tell anyone we report you to that you\nhave a question about your statement. We must tell you the\nname of anyone we reported you to and we must let them\nknow when the matter has been settled.\n\nSpecial Rule for Credit Card Purchases\nIf you have a problem with the quality of property or services\nthat you purchase with a credit card and you have tried in good\nfaith to correct the problem with the merchant, you may have\nthe right not to pay the remaining amount due on the property\nor services. There are two limitations on this right:\na) You must have made the purchase in your home state, or if\nnot within your home state within 100 miles of your current\nmailing address; and\n(b) The purchase price must have been more than $50. These\nlimitations do not apply if we own or operate the merchant,\nor if we mailed you the advertisement for the property or\nservices.\nUnder California law our right to recover outstanding credit\nextended to you for Purchases is subject to any defenses that\nyou have against the seller, if:\n1. The purchase price of the item in question exceeded $50;\n2. The purchase was made in California;\n3. You made a written demand on the retailer and made a\ngood faith attempt to get satisfaction of your complaint;\nand\n4. You notify us, in writing, of the name of the seller, the date\nof purchase, the price paid, the goods or services\npurchased, the nature of your defense and the acts which\nyou took to obtain satisfaction from the seller.\nThe amount to which the defense applies is limited to the\namount outstanding on the purchase as well as late charges\nand finance charges at the time the written demand is\nreceived by us. This remedy is the only one you have against\nus. Your rights are limited to those circumstances outlined in\nCalifornia Civil Code \xc2\xa7 1747.90. Purchases with cash or check\nare not included in this section, even though you used your\ncredit card to validate your credit. We cannot penalize you by\neither giving out unfavorable credit information about you or\ncanceling or refusing to renew your credit card solely because\nyou obtained relief under the remedies you have for correcting\nbilling errors.\nTERMS APPLICABLE TO VISA PLATINUM MYEECU\nREWARDS PROGRAM\nVisa Platinum cardholders may participate in the MYEECU\nRewards program which is governed by the Program Rules\noutlined in the CURewards brochure. The following additional\nrules apply to the CURewards program:\na. No points are earned for a balance transfer from an existing\nEECU Visa account or from another credit card.\nb. Points will accrue over five calendar years and will expire on\na first-in-first-out basis annually; points earned in calendar\nyear one will expire as of the last day of calendar year five.\n(For example, points earned in 2014 will expire December\n31, 2019; points earned in 2015 will expire December 31,\n2020, etc.).\nc. If your account is closed or becomes inactive for 18\nconsecutive months or if you fail to make the minimum\npayment due by the payment due date for two consecutive\nbilling periods, your points may be forfeited.\n\nATM DISCLOSURE\nYou may use your card to obtain Cash Advances through\nAutomated Teller Machines that are part of a nationwide network\nof Visa ATMs. These special provisions apply.\nAVAILABLE SERVICES\n1. The amount of cash you can obtain may vary depending on\nthe ATM you use.\n2. ATM service is generally available seven days a week, 24\nhours a day.\nDOCUMENTATION OF TRANSACTIONS\nCash Advances using your Visa card at an ATM will be shown on\na transaction receipt and on your periodic statement.\nCREDIT UNION LIABILITY\nIf we do not properly complete a transaction according to our\nagreement with you, we will be liable for your direct losses or\ndamages. However, there are some exceptions. We will not be\nliable, if:\na. through no fault of ours, you do not have sufficient available\ncredit to make the transaction;\nb. the ATM system was not working properly and you knew\nabout the breakdown when you started the transaction;\nc. the money in your account is subject to legal process or other\nclaim;\nd. your PIN (Personal Identification Number) has been reported\nmissing and we have blocked its use;\ne. circumstances beyond our control, such as fire, flood,\nelectrical failure, or malfunction of the central data processing\nfacility prevent the completion of the transaction despite our\nreasonable precautions; or\nf. there are other lawful exceptions established by us and you\nare given proper advance notice of them.\nIn no event will the Credit Union be liable for consequential\nindirect costs or damages.\nFEES\nIf you perform a Cash Advance at an ATM not owned by us, the\nowner of the ATM may charge an ATM transaction fee.\nSECURITY\nDo not use an ATM unless it appears safe to do so. Do not key\nin your PIN if someone is looking. Be sure you take your card and\nreceipt when you are done. Put your money away quickly and\nleave the site.\n\nVISA ACCOUNT AGREEMENT\nand\nDISCLOSURE\nEDUCATIONAL EMPLOYEES CREDIT UNION\nShaded Paragraphs Are Truth in Lending Requirements.\nThis agreement outlines the terms and conditions of your\nEducational Employees Credit Union Visa account and provides\ncertain disclosure information required by government\nregulations. Keep this disclosure with your permanent\ndocuments.\nIn this document, the words "you," "your," and "yours," refer to\neach and all of those who apply for a Visa credit card, sign the\nagreement, or all parties who use the card. The words "we," "us,"\n"our," \xe2\x80\x9cCredit Union,\xe2\x80\x9d and \xe2\x80\x9cEECU\xe2\x80\x9d refer to the Educational\nEmployees Credit Union. The term "card" refers to the Visa\ncredit card received with this agreement and any duplicates\nand/or renewals we issue. The term "account" refers to your Visa\ncredit card line of credit account with us.\nYou acknowledge receipt of a copy of this Visa Account\nAgreement and Disclosure. By using the card, any access\ndevice, or by authorizing another person to use your account,\nyou agree to and accept the terms as stated.\nGENERAL TERMS\nThe terms of this agreement must be read together as part of the\nwhole agreement. When the singular is used the plural is implied\nif there is more than one signer. If any part of this agreement is\nfound to be invalid the other parts shall remain in effect.\nAny borrower who receives a card issued under this agreement\nmust be a member of this Credit Union.\nYOUR RESPONSIBILITY\nIf your application is approved, each applicant will receive a card\nand will be able to use the account. The applicants may also\nreceive Visa convenience checks from time to time at the Credit\nUnion\'s option. Each applicant is liable to repay the account\nunder the terms of this agreement.\n\nFederally Insured by NCUA\n\xc2\xa9EECU\n(V.2.22.2010)\n\nDISC 2 25M (12/15)\n\nM-116986\n\nYou agree to make your payments when due, and in an amount\n\n\x0cor more, we will refund it to you on your written request. If we do\nnot receive a refund request, we will automatically post the credit\nto your EECU share savings account. We reserve the right to\ndelay increasing your credit limit or delay disbursing credit\nbalance refunds until final collection of non-cash payments on\nyour account for the maximum period allowed by law.\nDEFAULT\nYou will be in default if you fail to make any Minimum\nPayment when due in the proper amount, or if you fail to live\nup to the terms of this agreement. You will also be in default\nif your creditworthiness materially declines, you become\ninsolvent, you file for bankruptcy relief, you die, or you cease\nto be a member of the Credit Union. In addition, you will be\nin default if you have made misleading or incorrect\nstatements or material omissions of information in your\ncredit application, or you fail to notify the Credit Union of a\nchange of your employment, your name, or your address.\nEven if the Credit Union accepts a late payment or a partial\npayment, we are not waiving our right to accelerate payment\nof the account and declare the entire unpaid balance due.\nWe have the right to demand immediate payment of your full\naccount balance if you default, subject to our giving you any\nnotice required by law. You agree to pay our reasonable\ncollection costs before we take legal action. If we take legal\naction to collect what you owe, you agree to pay our\nreasonable attorney\'s fees and court costs, whether the\naction we take is a collection suit, an action to enforce a\njudgment against you, or an action to protect our interests if\nyou become a bankruptcy debtor. Collection costs and\nattorney\'s fees will post to your Visa account balance as\nCash Advances and bear interest at the rate applicable to\nyour Visa account until paid in full.\n\nCHANGES IN AGREEMENT TERMS\nYour EECU Visa Account Agreement and Disclosure is your\nagreement with EECU governing your credit card transactions,\neven though sales and Cash Advance slips and other\ndocuments you sign related to your transactions may have\ndifferent terms printed on them. This Agreement can only be\nmodified by a writing signed by an authorized EECU\nrepresentative, an official EECU change in terms notice, or the\norder of a court to whose jurisdiction we are subject, such as\na bankruptcy court. No oral statements by EECU employees\ncan alter the terms of this Agreement.\nChanges in terms, unless favorable to you, will generally apply\nonly to transactions made after the effective date of the\nchange, as specified by applicable state and federal laws and\nregulations. If required by law, we will permit you to reject\ncertain types of changes, by providing the Credit Union with an\nopt-out notice and closing your account. You would then be\npermitted to repay any balance on the account under the\nterms in effect prior to the changes or as permitted by law.\nCANCELLATION/TERMINATION OF AGREEMENT\nYou or any jointly obligated party may cancel this agreement at\nany time by notifying us in writing. If we have given you a\nwritten notice of cancellation and you wish to have your\n\naccount re-evaluated for a new line of credit, you must reapply\nand be approved.\n\nNotify Us in Case of Errors or Questions About Your\nStatement or Electronic Transfers\n\nWe may reduce your credit line from time to time, or with good\ncause, revoke your card and terminate this agreement. We will\ngive you thirty days\' notice before we reduce or terminate your\naccount without cause. But as indicated, if you breach this\nagreement we can terminate it without prior notice to you.\nTermination by either of us does not affect your obligation to\npay the account balance, including finance charges. Cards\nand loan drafts remain our property and you must recover and\nsurrender to us all cards and loan drafts upon our request and\nupon termination of this agreement.\n\nIf you think your statement or other documentation is wrong or\nif you need more information about a transaction on your\nstatement, write us on a separate sheet at: Educational\nEmployees Credit Union, Card Services, P.O. Box 5242, Fresno\nCA 93755-5242. Write to us as soon as possible. We must hear\nfrom you no later than 60 days after the error appeared on the\nfirst statement. You can telephone us at (559) 437-7700 or toll\nfree at (800) 538-EECU, but doing so will not preserve your\nrights.\n\nCREDIT INFORMATION RETAINED AND PROVIDED TO\nOTHERS\nYou authorize us to investigate your credit standing when\nopening, renewing, or reviewing your account, and you\nauthorize us to disclose information regarding your account to\ncredit bureaus and other creditors who inquire of us about your\ncredit standing, to the extent authorized by law.\nAs required by law, you are hereby notified that a negative\ncredit report reflecting on your credit record may be submitted\nto a credit reporting agency, if you fail to fulfill the terms of your\ncredit obligation.\nPERMISSION TO CONTACT YOU\nBy providing your telephone number you give the Credit Union\n(and its agents, third party representatives and service\nproviders) permission to contact you regarding your accounts,\ntransactions and services using live representatives,\nautomated dialing services, prerecorded messages and text\nmessages. You give the Credit Union permission to leave\nmessages, including pre-recorded/artificial voice messages,\nrelating to your accounts, transactions and services. If you\nprovide a cellular/mobile number you understand that your\ncarrier may charge fees to receive calls, messages or texts.\nYou agree to, at all times, provide the Credit Union with at least\none telephone number at which you can be reached during\nbusiness hours.\n\nYOUR BILLING RIGHTS\nKEEP THIS NOTICE FOR FUTURE USE\nSTATE AND LOCAL LAW: The following summary of your\nrights under federal law does not cover all rights you may\nhave under State and Local law. If, under State or local law,\nyou have a longer period of time in which to send an inquiry\nto the Credit Union concerning your statement, reliance on\nany such longer time period may result in your losing\nimportant rights which could be preserved by acting more\npromptly under federal law. State or local provisions, if any,\nonly become operative upon the expiration of the time\nperiod provided by Federal Regulation Z for submitting a\nproper written notification of an error. This notice contains\nimportant information about your rights and responsibilities\nunder the Fair Credit Billing Act.\n\nIn your letter, give us the following information:\n\xe2\x80\xa2 Your name and account number.\n\xe2\x80\xa2 The dollar amount of the suspected error.\n\xe2\x80\xa2 A description of the error and explanation of why you believe\nthere is an error. If you need more information, describe the\nitem you are not sure about.\nHow to Stop Payment of a Pre-authorized Electronic\nFund Transfer\nIf you have authorized us to make your Visa payment\nautomatically from your share draft account, you can stop the\npayment on any amount you think is wrong. To stop payment\nyou must contact us in writing within 3 business days before\nthe automatic payment is scheduled to occur. If you telephone\nyour request, we will require you to confirm your verbal request\nin writing. If you order us to stop one of these payments 3\nbusiness days or more before the transfer is scheduled, and\nwe do not do so, we will be liable for your losses or damages\nup to the amount of the transfer.\nYour Rights and Our Responsibilities After We Receive\nYour Written Notice of Error\nWe must acknowledge your letter within 30 days, unless we have\ncorrected the error by then. Within 90 days, we must either correct\nthe error or explain why we believe the statement is correct.\nAfter we receive your letter and if you have not yet paid the\ndisputed amount, we cannot try to collect any amount you\nquestion, or report you as delinquent. We can continue to bill\nyou for the amount you question, including finance charges,\nand we can apply any unpaid amount against your credit limit.\nYou do not have to pay the questioned amount while we are\ninvestigating, but you are still obligated to pay the parts of your\nstatement that are not in question.\nIf we find that we made a mistake on your statement, you will not\nhave to pay any finance charges related to any questioned\namount. If we did not make a mistake, you may have to pay the\nfinance charge, and you will have to make up any missed\npayments on the questioned amount. In either case, we will send\nyou a statement of the amount you owe and the date that it is due.\nIf you fail to pay the amount that we think you owe, we may\nreport you as delinquent. However, if our explanation does not\nsatisfy you and you write to us within 10 days telling us that you\nstill refuse to pay, we must tell anyone we report you to that you\nhave a question about your statement. We must tell you the\nname of anyone we reported you to and we must let them\nknow when the matter has been settled.\n\nSpecial Rule for Credit Card Purchases\nIf you have a problem with the quality of property or services\nthat you purchase with a credit card and you have tried in good\nfaith to correct the problem with the merchant, you may have\nthe right not to pay the remaining amount due on the property\nor services. There are two limitations on this right:\na) You must have made the purchase in your home state, or if\nnot within your home state within 100 miles of your current\nmailing address; and\n(b) The purchase price must have been more than $50. These\nlimitations do not apply if we own or operate the merchant,\nor if we mailed you the advertisement for the property or\nservices.\nUnder California law our right to recover outstanding credit\nextended to you for Purchases is subject to any defenses that\nyou have against the seller, if:\n1. The purchase price of the item in question exceeded $50;\n2. The purchase was made in California;\n3. You made a written demand on the retailer and made a\ngood faith attempt to get satisfaction of your complaint;\nand\n4. You notify us, in writing, of the name of the seller, the date\nof purchase, the price paid, the goods or services\npurchased, the nature of your defense and the acts which\nyou took to obtain satisfaction from the seller.\nThe amount to which the defense applies is limited to the\namount outstanding on the purchase as well as late charges\nand finance charges at the time the written demand is\nreceived by us. This remedy is the only one you have against\nus. Your rights are limited to those circumstances outlined in\nCalifornia Civil Code \xc2\xa7 1747.90. Purchases with cash or check\nare not included in this section, even though you used your\ncredit card to validate your credit. We cannot penalize you by\neither giving out unfavorable credit information about you or\ncanceling or refusing to renew your credit card solely because\nyou obtained relief under the remedies you have for correcting\nbilling errors.\nTERMS APPLICABLE TO VISA PLATINUM MYEECU\nREWARDS PROGRAM\nVisa Platinum cardholders may participate in the MYEECU\nRewards program which is governed by the Program Rules\noutlined in the CURewards brochure. The following additional\nrules apply to the CURewards program:\na. No points are earned for a balance transfer from an existing\nEECU Visa account or from another credit card.\nb. Points will accrue over five calendar years and will expire on\na first-in-first-out basis annually; points earned in calendar\nyear one will expire as of the last day of calendar year five.\n(For example, points earned in 2014 will expire December\n31, 2019; points earned in 2015 will expire December 31,\n2020, etc.).\nc. If your account is closed or becomes inactive for 18\nconsecutive months or if you fail to make the minimum\npayment due by the payment due date for two consecutive\nbilling periods, your points may be forfeited.\n\nATM DISCLOSURE\nYou may use your card to obtain Cash Advances through\nAutomated Teller Machines that are part of a nationwide network\nof Visa ATMs. These special provisions apply.\nAVAILABLE SERVICES\n1. The amount of cash you can obtain may vary depending on\nthe ATM you use.\n2. ATM service is generally available seven days a week, 24\nhours a day.\nDOCUMENTATION OF TRANSACTIONS\nCash Advances using your Visa card at an ATM will be shown on\na transaction receipt and on your periodic statement.\nCREDIT UNION LIABILITY\nIf we do not properly complete a transaction according to our\nagreement with you, we will be liable for your direct losses or\ndamages. However, there are some exceptions. We will not be\nliable, if:\na. through no fault of ours, you do not have sufficient available\ncredit to make the transaction;\nb. the ATM system was not working properly and you knew\nabout the breakdown when you started the transaction;\nc. the money in your account is subject to legal process or other\nclaim;\nd. your PIN (Personal Identification Number) has been reported\nmissing and we have blocked its use;\ne. circumstances beyond our control, such as fire, flood,\nelectrical failure, or malfunction of the central data processing\nfacility prevent the completion of the transaction despite our\nreasonable precautions; or\nf. there are other lawful exceptions established by us and you\nare given proper advance notice of them.\nIn no event will the Credit Union be liable for consequential\nindirect costs or damages.\nFEES\nIf you perform a Cash Advance at an ATM not owned by us, the\nowner of the ATM may charge an ATM transaction fee.\nSECURITY\nDo not use an ATM unless it appears safe to do so. Do not key\nin your PIN if someone is looking. Be sure you take your card and\nreceipt when you are done. Put your money away quickly and\nleave the site.\n\nVISA ACCOUNT AGREEMENT\nand\nDISCLOSURE\nEDUCATIONAL EMPLOYEES CREDIT UNION\nShaded Paragraphs Are Truth in Lending Requirements.\nThis agreement outlines the terms and conditions of your\nEducational Employees Credit Union Visa account and provides\ncertain disclosure information required by government\nregulations. Keep this disclosure with your permanent\ndocuments.\nIn this document, the words "you," "your," and "yours," refer to\neach and all of those who apply for a Visa credit card, sign the\nagreement, or all parties who use the card. The words "we," "us,"\n"our," \xe2\x80\x9cCredit Union,\xe2\x80\x9d and \xe2\x80\x9cEECU\xe2\x80\x9d refer to the Educational\nEmployees Credit Union. The term "card" refers to the Visa\ncredit card received with this agreement and any duplicates\nand/or renewals we issue. The term "account" refers to your Visa\ncredit card line of credit account with us.\nYou acknowledge receipt of a copy of this Visa Account\nAgreement and Disclosure. By using the card, any access\ndevice, or by authorizing another person to use your account,\nyou agree to and accept the terms as stated.\nGENERAL TERMS\nThe terms of this agreement must be read together as part of the\nwhole agreement. When the singular is used the plural is implied\nif there is more than one signer. If any part of this agreement is\nfound to be invalid the other parts shall remain in effect.\nAny borrower who receives a card issued under this agreement\nmust be a member of this Credit Union.\nYOUR RESPONSIBILITY\nIf your application is approved, each applicant will receive a card\nand will be able to use the account. The applicants may also\nreceive Visa convenience checks from time to time at the Credit\nUnion\'s option. Each applicant is liable to repay the account\nunder the terms of this agreement.\n\nFederally Insured by NCUA\n\xc2\xa9EECU\n(V.2.22.2010)\n\nDISC 2 25M (12/15)\n\nM-116986\n\nYou agree to make your payments when due, and in an amount\n\n\x0cor more, we will refund it to you on your written request. If we do\nnot receive a refund request, we will automatically post the credit\nto your EECU share savings account. We reserve the right to\ndelay increasing your credit limit or delay disbursing credit\nbalance refunds until final collection of non-cash payments on\nyour account for the maximum period allowed by law.\nDEFAULT\nYou will be in default if you fail to make any Minimum\nPayment when due in the proper amount, or if you fail to live\nup to the terms of this agreement. You will also be in default\nif your creditworthiness materially declines, you become\ninsolvent, you file for bankruptcy relief, you die, or you cease\nto be a member of the Credit Union. In addition, you will be\nin default if you have made misleading or incorrect\nstatements or material omissions of information in your\ncredit application, or you fail to notify the Credit Union of a\nchange of your employment, your name, or your address.\nEven if the Credit Union accepts a late payment or a partial\npayment, we are not waiving our right to accelerate payment\nof the account and declare the entire unpaid balance due.\nWe have the right to demand immediate payment of your full\naccount balance if you default, subject to our giving you any\nnotice required by law. You agree to pay our reasonable\ncollection costs before we take legal action. If we take legal\naction to collect what you owe, you agree to pay our\nreasonable attorney\'s fees and court costs, whether the\naction we take is a collection suit, an action to enforce a\njudgment against you, or an action to protect our interests if\nyou become a bankruptcy debtor. Collection costs and\nattorney\'s fees will post to your Visa account balance as\nCash Advances and bear interest at the rate applicable to\nyour Visa account until paid in full.\n\nCHANGES IN AGREEMENT TERMS\nYour EECU Visa Account Agreement and Disclosure is your\nagreement with EECU governing your credit card transactions,\neven though sales and Cash Advance slips and other\ndocuments you sign related to your transactions may have\ndifferent terms printed on them. This Agreement can only be\nmodified by a writing signed by an authorized EECU\nrepresentative, an official EECU change in terms notice, or the\norder of a court to whose jurisdiction we are subject, such as\na bankruptcy court. No oral statements by EECU employees\ncan alter the terms of this Agreement.\nChanges in terms, unless favorable to you, will generally apply\nonly to transactions made after the effective date of the\nchange, as specified by applicable state and federal laws and\nregulations. If required by law, we will permit you to reject\ncertain types of changes, by providing the Credit Union with an\nopt-out notice and closing your account. You would then be\npermitted to repay any balance on the account under the\nterms in effect prior to the changes or as permitted by law.\nCANCELLATION/TERMINATION OF AGREEMENT\nYou or any jointly obligated party may cancel this agreement at\nany time by notifying us in writing. If we have given you a\nwritten notice of cancellation and you wish to have your\n\naccount re-evaluated for a new line of credit, you must reapply\nand be approved.\n\nNotify Us in Case of Errors or Questions About Your\nStatement or Electronic Transfers\n\nWe may reduce your credit line from time to time, or with good\ncause, revoke your card and terminate this agreement. We will\ngive you thirty days\' notice before we reduce or terminate your\naccount without cause. But as indicated, if you breach this\nagreement we can terminate it without prior notice to you.\nTermination by either of us does not affect your obligation to\npay the account balance, including finance charges. Cards\nand loan drafts remain our property and you must recover and\nsurrender to us all cards and loan drafts upon our request and\nupon termination of this agreement.\n\nIf you think your statement or other documentation is wrong or\nif you need more information about a transaction on your\nstatement, write us on a separate sheet at: Educational\nEmployees Credit Union, Card Services, P.O. Box 5242, Fresno\nCA 93755-5242. Write to us as soon as possible. We must hear\nfrom you no later than 60 days after the error appeared on the\nfirst statement. You can telephone us at (559) 437-7700 or toll\nfree at (800) 538-EECU, but doing so will not preserve your\nrights.\n\nCREDIT INFORMATION RETAINED AND PROVIDED TO\nOTHERS\nYou authorize us to investigate your credit standing when\nopening, renewing, or reviewing your account, and you\nauthorize us to disclose information regarding your account to\ncredit bureaus and other creditors who inquire of us about your\ncredit standing, to the extent authorized by law.\nAs required by law, you are hereby notified that a negative\ncredit report reflecting on your credit record may be submitted\nto a credit reporting agency, if you fail to fulfill the terms of your\ncredit obligation.\nPERMISSION TO CONTACT YOU\nBy providing your telephone number you give the Credit Union\n(and its agents, third party representatives and service\nproviders) permission to contact you regarding your accounts,\ntransactions and services using live representatives,\nautomated dialing services, prerecorded messages and text\nmessages. You give the Credit Union permission to leave\nmessages, including pre-recorded/artificial voice messages,\nrelating to your accounts, transactions and services. If you\nprovide a cellular/mobile number you understand that your\ncarrier may charge fees to receive calls, messages or texts.\nYou agree to, at all times, provide the Credit Union with at least\none telephone number at which you can be reached during\nbusiness hours.\n\nYOUR BILLING RIGHTS\nKEEP THIS NOTICE FOR FUTURE USE\nSTATE AND LOCAL LAW: The following summary of your\nrights under federal law does not cover all rights you may\nhave under State and Local law. If, under State or local law,\nyou have a longer period of time in which to send an inquiry\nto the Credit Union concerning your statement, reliance on\nany such longer time period may result in your losing\nimportant rights which could be preserved by acting more\npromptly under federal law. State or local provisions, if any,\nonly become operative upon the expiration of the time\nperiod provided by Federal Regulation Z for submitting a\nproper written notification of an error. This notice contains\nimportant information about your rights and responsibilities\nunder the Fair Credit Billing Act.\n\nIn your letter, give us the following information:\n\xe2\x80\xa2 Your name and account number.\n\xe2\x80\xa2 The dollar amount of the suspected error.\n\xe2\x80\xa2 A description of the error and explanation of why you believe\nthere is an error. If you need more information, describe the\nitem you are not sure about.\nHow to Stop Payment of a Pre-authorized Electronic\nFund Transfer\nIf you have authorized us to make your Visa payment\nautomatically from your share draft account, you can stop the\npayment on any amount you think is wrong. To stop payment\nyou must contact us in writing within 3 business days before\nthe automatic payment is scheduled to occur. If you telephone\nyour request, we will require you to confirm your verbal request\nin writing. If you order us to stop one of these payments 3\nbusiness days or more before the transfer is scheduled, and\nwe do not do so, we will be liable for your losses or damages\nup to the amount of the transfer.\nYour Rights and Our Responsibilities After We Receive\nYour Written Notice of Error\nWe must acknowledge your letter within 30 days, unless we have\ncorrected the error by then. Within 90 days, we must either correct\nthe error or explain why we believe the statement is correct.\nAfter we receive your letter and if you have not yet paid the\ndisputed amount, we cannot try to collect any amount you\nquestion, or report you as delinquent. We can continue to bill\nyou for the amount you question, including finance charges,\nand we can apply any unpaid amount against your credit limit.\nYou do not have to pay the questioned amount while we are\ninvestigating, but you are still obligated to pay the parts of your\nstatement that are not in question.\nIf we find that we made a mistake on your statement, you will not\nhave to pay any finance charges related to any questioned\namount. If we did not make a mistake, you may have to pay the\nfinance charge, and you will have to make up any missed\npayments on the questioned amount. In either case, we will send\nyou a statement of the amount you owe and the date that it is due.\nIf you fail to pay the amount that we think you owe, we may\nreport you as delinquent. However, if our explanation does not\nsatisfy you and you write to us within 10 days telling us that you\nstill refuse to pay, we must tell anyone we report you to that you\nhave a question about your statement. We must tell you the\nname of anyone we reported you to and we must let them\nknow when the matter has been settled.\n\nSpecial Rule for Credit Card Purchases\nIf you have a problem with the quality of property or services\nthat you purchase with a credit card and you have tried in good\nfaith to correct the problem with the merchant, you may have\nthe right not to pay the remaining amount due on the property\nor services. There are two limitations on this right:\na) You must have made the purchase in your home state, or if\nnot within your home state within 100 miles of your current\nmailing address; and\n(b) The purchase price must have been more than $50. These\nlimitations do not apply if we own or operate the merchant,\nor if we mailed you the advertisement for the property or\nservices.\nUnder California law our right to recover outstanding credit\nextended to you for Purchases is subject to any defenses that\nyou have against the seller, if:\n1. The purchase price of the item in question exceeded $50;\n2. The purchase was made in California;\n3. You made a written demand on the retailer and made a\ngood faith attempt to get satisfaction of your complaint;\nand\n4. You notify us, in writing, of the name of the seller, the date\nof purchase, the price paid, the goods or services\npurchased, the nature of your defense and the acts which\nyou took to obtain satisfaction from the seller.\nThe amount to which the defense applies is limited to the\namount outstanding on the purchase as well as late charges\nand finance charges at the time the written demand is\nreceived by us. This remedy is the only one you have against\nus. Your rights are limited to those circumstances outlined in\nCalifornia Civil Code \xc2\xa7 1747.90. Purchases with cash or check\nare not included in this section, even though you used your\ncredit card to validate your credit. We cannot penalize you by\neither giving out unfavorable credit information about you or\ncanceling or refusing to renew your credit card solely because\nyou obtained relief under the remedies you have for correcting\nbilling errors.\nTERMS APPLICABLE TO VISA PLATINUM MYEECU\nREWARDS PROGRAM\nVisa Platinum cardholders may participate in the MYEECU\nRewards program which is governed by the Program Rules\noutlined in the CURewards brochure. The following additional\nrules apply to the CURewards program:\na. No points are earned for a balance transfer from an existing\nEECU Visa account or from another credit card.\nb. Points will accrue over five calendar years and will expire on\na first-in-first-out basis annually; points earned in calendar\nyear one will expire as of the last day of calendar year five.\n(For example, points earned in 2014 will expire December\n31, 2019; points earned in 2015 will expire December 31,\n2020, etc.).\nc. If your account is closed or becomes inactive for 18\nconsecutive months or if you fail to make the minimum\npayment due by the payment due date for two consecutive\nbilling periods, your points may be forfeited.\n\nATM DISCLOSURE\nYou may use your card to obtain Cash Advances through\nAutomated Teller Machines that are part of a nationwide network\nof Visa ATMs. These special provisions apply.\nAVAILABLE SERVICES\n1. The amount of cash you can obtain may vary depending on\nthe ATM you use.\n2. ATM service is generally available seven days a week, 24\nhours a day.\nDOCUMENTATION OF TRANSACTIONS\nCash Advances using your Visa card at an ATM will be shown on\na transaction receipt and on your periodic statement.\nCREDIT UNION LIABILITY\nIf we do not properly complete a transaction according to our\nagreement with you, we will be liable for your direct losses or\ndamages. However, there are some exceptions. We will not be\nliable, if:\na. through no fault of ours, you do not have sufficient available\ncredit to make the transaction;\nb. the ATM system was not working properly and you knew\nabout the breakdown when you started the transaction;\nc. the money in your account is subject to legal process or other\nclaim;\nd. your PIN (Personal Identification Number) has been reported\nmissing and we have blocked its use;\ne. circumstances beyond our control, such as fire, flood,\nelectrical failure, or malfunction of the central data processing\nfacility prevent the completion of the transaction despite our\nreasonable precautions; or\nf. there are other lawful exceptions established by us and you\nare given proper advance notice of them.\nIn no event will the Credit Union be liable for consequential\nindirect costs or damages.\nFEES\nIf you perform a Cash Advance at an ATM not owned by us, the\nowner of the ATM may charge an ATM transaction fee.\nSECURITY\nDo not use an ATM unless it appears safe to do so. Do not key\nin your PIN if someone is looking. Be sure you take your card and\nreceipt when you are done. Put your money away quickly and\nleave the site.\n\nVISA ACCOUNT AGREEMENT\nand\nDISCLOSURE\nEDUCATIONAL EMPLOYEES CREDIT UNION\nShaded Paragraphs Are Truth in Lending Requirements.\nThis agreement outlines the terms and conditions of your\nEducational Employees Credit Union Visa account and provides\ncertain disclosure information required by government\nregulations. Keep this disclosure with your permanent\ndocuments.\nIn this document, the words "you," "your," and "yours," refer to\neach and all of those who apply for a Visa credit card, sign the\nagreement, or all parties who use the card. The words "we," "us,"\n"our," \xe2\x80\x9cCredit Union,\xe2\x80\x9d and \xe2\x80\x9cEECU\xe2\x80\x9d refer to the Educational\nEmployees Credit Union. The term "card" refers to the Visa\ncredit card received with this agreement and any duplicates\nand/or renewals we issue. The term "account" refers to your Visa\ncredit card line of credit account with us.\nYou acknowledge receipt of a copy of this Visa Account\nAgreement and Disclosure. By using the card, any access\ndevice, or by authorizing another person to use your account,\nyou agree to and accept the terms as stated.\nGENERAL TERMS\nThe terms of this agreement must be read together as part of the\nwhole agreement. When the singular is used the plural is implied\nif there is more than one signer. If any part of this agreement is\nfound to be invalid the other parts shall remain in effect.\nAny borrower who receives a card issued under this agreement\nmust be a member of this Credit Union.\nYOUR RESPONSIBILITY\nIf your application is approved, each applicant will receive a card\nand will be able to use the account. The applicants may also\nreceive Visa convenience checks from time to time at the Credit\nUnion\'s option. Each applicant is liable to repay the account\nunder the terms of this agreement.\n\nFederally Insured by NCUA\n\xc2\xa9EECU\n(V.2.22.2010)\n\nDISC 2 25M (12/15)\n\nM-116986\n\nYou agree to make your payments when due, and in an amount\n\n\x0c'