American 1 Credit Union 
718 E. Michigan Avenue 
Jackson, Michigan 49201 
(888) 213-2848

BORROWER 1 NAME 

BORROWER 2 NAME 

VISA CREDIT CARD AGREEMENT ADDENDUM TO 
SINGLE SIGNATURE LENDING PLAN 

ACCOUNT NUMBER 

DATE 

Thank you for opening a Visa Credit Card sub-account under your Single Signature Lending Plan ("Plan"). This Visa Credit Card Agreement is an addendum 
to your Plan and is hereby incorporated into and becomes a part of your Plan. Purchases or transactions made on your Card will be subject to the terms of 
your Plan, this agreement, and your Truth in Lending Disclosure. Please keep this agreement and your Truth in Lending Disclosure with your Plan 

VISA CREDIT CARD AGREEMENT 

IN THIS AGREEMENT THE WORDS "I," "ME," "MY," AND "US" MEAN EACH AND ALL OF THOSE WHO APPLY FOR OR USE THE CARD. "CARD" MEANS THE VISA 
CREDIT  CARD AND  ANY  DUPLICATES  AND  RENEWALS  WE  ISSUE.  EVERYONE  WHO  RECEIVES,  SIGNS OR  USES  A  CARD  ISSUED  UNDER  THIS  AGREEMENT  
MUST  BE  A  MEMBER  OF  THIS  CREDIT  UNION  AND  A  BORROWER  ON  THE  PLAN.  BY  SIGNING  OR  USING  THE  CARD,  I  AGREE  TO  THE  TERMS  OF  THIS 
AGREEMENT  AND  PROMISE  TO  PAY  ALL  AMOUNTS  DUE.  "ACCOUNT"  MEANS  MY  VISA  CREDIT  CARD  LINE  OF  CREDIT  SUB-ACCOUNT  WITH  YOU.  "YOU", 
"YOUR" AND "YOURS" MEANS THIS CREDIT UNION. 

1. THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION 
FOR THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT. 
I  SPECIFICALLY  GRANT  YOU  A  CONSENSUAL  SECURITY 
INTEREST  IN  ALL  INDIVIDUAL  AND  JOINT  ACCOUNTS  I  HAVE 
WITH  YOU  NOW  AND  IN  THE  FUTURE  TO  SECURE  REPAYMENT 
OF CREDIT EXTENDED UNDER THIS AGREEMENT. I ALSO AGREE 
THAT  YOU  HAVE  SIMILAR  STATUTORY  LIEN  RIGHTS  UNDER 
STATE  AND/OR  FEDERAL  LAW.  IF  I  AM  IN  DEFAULT,  YOU  CAN 
APPLY MY SHARES TO THE AMOUNT I OWE. 
Shares  and  deposits  in  an  Individual  Retirement  Account  or  any  other 
account that would lose special tax treatment under state or federal law 
if given are not subject to this security interest. 
If  I  have  other  loans  with  you,  collateral  securing  such  loans  will  also 
secure my obligations under this Agreement, unless that other collateral 
is my principal residence or non-purchase money household goods 

2.  Using  My  Card.  I  may  use  my  Card  to  make  purchases  from 
merchants  and  others  who  accept  VISA  Cards.  However,  I  may  not  use 
my Card to initiate any type of gambling or wagering transactions that are 
in violation of applicable law. If I wish to pay for goods or services over the 
Internet,  I  may  be  required  to  provide  card  number  security  information 
before  I  will  be  permitted  to  complete  the  transaction.  In  addition,  I  may 
obtain  cash  advances  from  the  Credit  Union  and  from  other  financial 
institutions  that  accept  VISA  Cards,  and  from  some  automated  teller 
machines  (ATMs).  (Not  all  ATMs  accept  VISA  Cards.)  To  obtain  cash 
advances  from  an  ATM,  I  must  use  the  Personal  Identification  Number 
(PIN) that is issued to me for use with my Card. I agree that I will not use 
my  Card for  any  transaction  that is illegal  under  applicable  federal, state 
or local law. If use of my PIN constitutes an Electronic Funds Transfer, the 
terms and conditions of my EFT Agreement may also effect my rights. 

3.  Responsibility.  I  agree  to  pay  all  charges  (purchases  and  cash 
advances)  to  my  Account  that  are  made  by  me  or  anyone  whom  I 
authorize to use my Account. I also agree to pay all interest charges and 
other charges added to my Account under the terms of this Agreement or 
another agreement I made with the Credit Union. If this is a joint Account, 
Section 14 below also applies to my Account. 

4. Interest Charges. I agree to pay interest at the rate(s) disclosed to me 
at the time I open my account and as may be changed from time to time 
in  accordance  with  applicable  law.  The  balances  subject  to  the  periodic 
Interest  Charge  are  the  average  daily  transactions  balances  outstanding 
during  the  month  (new  and  previous).  To  get  the  average  daily  balance, 
you  take  the  beginning  balance  of  my  Account  each  day,  add  any  new 
purchases,  cash  advances,  insurance  premiums,  debit  adjustments  or 
other  charges  and  subtract  any  payments,  credits  and  unpaid  Interest 
Charges. This gives you the daily balance. Then, you add up all the daily 
balances for the billing cycle and divide them by the number of days in the 
billing  cycle.  The  Interest  Charge  for  a  billing  cycle  is  computed  by 

multiplying the average daily balance subject to a Interest Charge by the 
Daily Periodic Rate times the number of days in the billing cycles.  
I  can  avoid  Interest  Charges  on  purchases  by  paying  the  full  amount  of 
the  entire  balance  owed  each  month  within  25  days  of  my  statement 
closing  date.  Otherwise, the  new balance  of  purchases,  and  subsequent 
purchases from the date they are posted to my Account, will be subject to 
a  Interest  Charge.  Cash  advances  and  balance  transfers  are  always 
subject to a Interest Charge from the later of the date they are posted to 
my  Account  or  from  the  first  day  of  the  billing  cycle  in  which  the  cash 
advance or balance transfer is posted to my Account.  

5. Other Charges. I promise to pay all fees disclosed to me on the Truth-
in-Lending  Statement,  such  as  late  payment  fees,  over-the-credit-limit 
fees, and other fees. 

6. Payments. Each month I must pay at least the minimum payment shown 
on  my  statement  by  the  due  date  specified  on  the  statement.  If  my 
statement says the payment is "Now Due," my payment is due no later than 
twenty-five  (25)  days  from  the  statement  closing  date  or  21  days from  the 
date you mail or  deliver the  statement, whichever is later.  I may pay more 
frequently,  pay  more  than  the  minimum  payment  or  pay  the  Total  New 
Balance in full. If I make extra or larger payments, I am still required to make 
at  least  the  minimum  payment  each  month  my  Account  has  a  balance 
(other than a credit balance). The minimum payment is 3% of my Total New 
Balance,  or  $20.00,  whichever  is  greater,  plus  the  amount  of  any  prior 
minimum  payments  that  I  have  not  made,  and  any  amount  I  am  over  my 
credit  limit.  The  Credit  Union  also  has  the  right  to  demand  immediate 
payment of any amount by which I am over my credit limit. 

7.  Default;  Acceleration;  Credit  Suspension;  Collection  Costs.  The 
following  provision  applies  to  borrowers  in  Idaho,  Kansas,  and  Maine:  I 
will  be  in  default  if  (1)  I  do  not  make  a  payment  of  the  required  amount 
when  due;  or  (2)  you  believe  the  prospect  of  payment,  performance,  or 
realization on any property given as security is significantly impaired. 
Wisconsin  Consumer  Act:  If  the  Wisconsin  Consumer  Act  applies  to  my 
Card,  I will be in  default if any of the following occur: (a) I fail to make a 
payment when due on two (2) occasions within any 12-month period; OR 
(b)  I  breach  any  term  or  condition  of  this  Card,  which  breach  materially 
impairs  my  ability  to  pay  amounts  when  due  or  materially  impairs  the 
condition, value, or protection of my rights to or in any collateral securing 
this transaction. 
Right to Cure Default: If the Wisconsin Consumer Act applies and if I am 
in  default  under  this  Card,  you  must  give  a  notice  of  default  to  me 
pursuant  to  Wisconsin  Statutes  sec.  425.104  and  425.105.  I  shall  have 
fifteen (15) calendar days from the date the notice is mailed to me to cure 
the default. In the event of an uncured default, you shall have all the rights 
and  remedies  for  default  provided  under  the  Wisconsin  Consumer  Act, 
Uniform  Commercial  Code,  or  other  applicable  law,  including,  but  not 
limited to, the right to repossess any collateral.  

9011 LASER WORD FI13874 Rev 5-2021 

COPYRIGHT 2006 Securian Financial Group, Inc. All rights reserved. 

page 1 of 3 

 
 
 
BORROWER 1 NAME

BORROWER 2 NAME 

ACCOUNT NUMBER

DATE 

No Right to Cure: Pursuant to Wis. Stat. Sec. 425.105(3), I shall not have 
the right to cure a default if the following occur twice during the preceding 
twelve months: (a) I was in default on the Line; (b) you gave me notice of 
the right to cure  such previous default in accordance with Wis.Stat. Sec. 
425.104; and (c) I cured the previous default. 
The following applies to all other cardholders: I will be in default if: (1) I fail 
to  make  any  payment  on  time;  (2)  if  I  fail  to  keep  any  promises  I  have 
made  under  this Agreement or under other Agreements I have  with  you; 
(3) if I die; (4) if I file a petition in bankruptcy or have a bankruptcy petition 
filed against me, or if I become involved in any insolvency, receivership or 
custodial proceeding; (5) if anyone attempts to take any of my funds held 
by  you  via  legal  process  or  if  I  have  a  judgment  or  tax  lien  filed  against 
me;  (6)  if  I  make  any  false,  inaccurate,  or  misleading  statements  in  any 
credit application or credit update; or (7) if you, in good faith, believe that 
my  ability  to  repay  what  I  owe  is  or  soon  will  be  impaired,  or  that  I  am 
unwilling to make my payments. 
If I am in default, you have the right to demand immediate payment of my 
full  account  balance  without  giving  me  notice.  If  immediate  payment  is 
demanded, I agree to continue paying interest charges and fees until what 
I  owe has  been paid, and any shares that were  given as security for my 
account may be applied towards what I owe. I agree to pay all reasonable 
costs  of  collection,  including  court  costs  and  attorney's  fees,  and  any 
costs incurred in the recovery of the Card, subject to applicable law. Even 
if  my  unpaid  balance  is  less  than  my  credit  limit,  I  will  have  no  credit 
available during any time that any aspect of my account is in default. 

8. Suspension of electronic services and access to share or deposit 
accounts.    Subject  to  applicable  law,  we  may  suspend  some  or  all 
electronic services and access to your checking or other account(s) if you 
become delinquent on any of your credit card or deposit obligations to us 
or you cause a loss to  us. We shall  not be liable to you  in  any regard  in 
connection with such suspension of services. 

9.  If  My  Card  is  Lost  or  Stolen  or  if  an  Unauthorized  Use  Occurs.  I 
agree  to  notify  you  immediately  if  my  card  is  ever  lost  or  stolen  or  if  an 
unauthorized  use  may  have  occurred.  The  telephone  number  to  call  is 
(888)  213-2848,  and  I agree to follow up the  call with notice in  writing  to 
you  at:  718  E. Michigan Avenue, Jackson,  Michigan  49201. I  also agree 
to  assist you in  determining  the  facts,  circumstances  and  other  pertinent 
information relating to any loss, theft  or possible unauthorized use of my 
card and comply with such procedures as you may require in connection 
with  your  investigation,  including  filing  a  police  report  and  otherwise 
assisting  in  the  prosecution  of  any  unauthorized  user.  I  will  be  liable  for 
any  unauthorized use  over  the  Visa  Network  only  if  you  can  prove  that  I 
was negligent in my use or handling of my card, or if you can prove that I 
used  the card  fraudulently. My  liability  for  unauthorized  use  on  networks 
other than the Visa Network will not exceed $50.00. In any case, I will not 
be liable for any unauthorized use that occurs after I notify you of the loss, 
theft, or unauthorized use. 

10.  Change  of  Terms.  The  Credit  Union  may  change  the  terms  of  this 
Agreement  from  time  to  time  subject  to  applicable  law.  Notice  of  any 
change will be given in accordance with applicable law. If permitted by law 
and  specified  in  the  notice  to  me,  the  change  will  apply  to  my  existing 
Account balance as well as to future transactions. 

11.  Returns  and  Adjustments.  Merchants  and  others  who  honor  my 
Card  may  give  credit  for  returns  or  adjustments,  and  they  will  do  so  by 
sending the Credit Union a credit slip which will be posted to my Account. 
If  my  credits  and  payments  exceed  what  I  owe  the  Credit  Union,  the 
amount will be applied against future purchases and cash advances. If the 
credit balance amount is $1 or more, it will be refunded upon my written or 
verbal request. 

12.  Additional  Benefits/Card  Enhancements.  The  Credit  Union  may 
from  time to time offer  additional services  to  my Account, such  as travel 
accident  insurance,  at  no  additional  cost  to  me.  I  understand  that  the 
Credit Union is not obligated to offer such services and may withdraw  or 
change them at any time. 

13. Foreign Transactions; Currency Conversion.  Purchases and cash 
advances  made  in foreign  currencies  will  be  billed to me  in  U.S.  dollars. 
Transactions  processed  outside  of  the  United  States  will  be  charged  a 
foreign  transaction  fee  in  an  amount  to  be  determined  by  the  Credit 
Union,  regardless  of  whether  there  is  a  currency  conversion  associated 
with the transaction. The conversion rate in dollars will be a  rate selected 
by VISA from a range of rates available in wholesale currency markets for 
the applicable central processing date, which rate may vary from the rate 
VISA  itself  receives,  or  the  government-mandated  rate  in  effect  for  the 
applicable central processing date in each instance. A foreign transaction 
is any transaction that you complete or a merchant completes on my card 
outside  of  the  U.S.,  Puerto  Rico  or  the  U.S. Virgin  Islands,  even  if  I  am 
located in the United States; this may include internet transactions. 

14.  Plan  Merchant  Disputes. You  are  not  responsible for  the  refusal  of 
any plan merchant or financial institution to honor my card. Also, you are 
not responsible for goods or services I purchase with the card unless (a) 
my  purchase  was  made  in  response  to  an  advertisement  you  sent  or 
participated in sending me; (b) my purchase cost $50.00 or more and was 
made from a plan merchant in my state or within 100 miles of my home; 
and  I  have  made  a  good  faith  attempt,  but  have  been  unable  to  obtain 
satisfaction  from  the  plan  merchant.  I  must  resolve  all  other  disputes 
directly with the plan merchant. 

15.  Joint  Accounts.  If  this  is  a  joint  Account,  each  of  us  will  be 
individually and jointly responsible for paying all amounts owed under this 
Agreement.  This  means that  the  Credit  Union can  require  any  one  of  us 
individually to repay the entire amount owed under this Agreement. Each 
of  us  authorizes  the  other(s)  to  make  purchases  or  cash  advances 
individually. Any one of us may terminate the Account and the termination 
will  be  effective  as  to  all  of  us,  but  both  of  us  will  still  be  responsible  for 
repayment all amounts owing. 

16. Effect of Agreement. This Agreement is the contract which applies to 
all  transactions  on  my  Account  even  though  the  sales,  cash  advances, 
credit or other slips I sign or receive may contain different terms. 

17. Transaction Slips. My monthly statement will identify that merchant, 
electronic terminal or financial institution at which transactions were made, 
but sales, cash advances, credit or other slips cannot be returned with the 
statement.  

18. NOTICE TO  UTAH BORROWERS:  This written agreement is  a final 
expression  of  the  agreement  between  me  and  the  Credit  Union.  This 
written  agreement  may  not  be  contradicted  by  evidence  of  any  oral 
agreement. 

19.  NOTICES  TO  WISCONSIN  BORROWERS:  (1)  If  I  am  married  and 
are  extended  individual  credit,  Wis.  Stat.  766.56(3)(b)  requires  you  to 
notify my spouse of the extension of credit. If you receive written notice of 
termination  from  my  spouse  pursuant  to  Wis.  Stat.  Section  766.565(5), 
you may declare me in default of the Plan and call the entire extension of 
credit  due  and payable  notwithstanding  Wis. Stat. Sections  425.103  and 
425.105. If the Plan is called due and payable, I may have certain rights to 
cure  the  default.  (2)  Additionally,  no  provision  of  a  marital  property 
agreement,  a  unilateral  agreement  under  Wis.  Stat.  766.59,  or  a  court 
decree  under  Wis.  Stat.  766.70  adversely  affects  your  interests  unless 
prior  to the time  the  credit  is  extended,  you  are furnished  with  a copy  of 
the  agreement  or  statement,  or  have  actual  knowledge  of  the  adverse 
provision when the obligation is incurred. 

9011 LASER WORD FI13874 Rev 5-2021 

COPYRIGHT 2006 Securian Financial Group, Inc. All rights reserved. 

page 2 of 3 

 
BORROWER 1 NAME

BORROWER 2 NAME 

ACCOUNT NUMBER

DATE 

IMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS: 
The  following  applies  if  at  the  time  this  loan  is  made you  are  an  active member  of  the  military  or  a dependent  (as  those  terms are  defined  in the 
Military Lending Act (MLA), 10 U.S.C. 98
), and (a) your loan is unsecured or secured by personal property 
or a vehicle that you did not purchase with the proceeds of the loan; or (b) it is otherwise determined by law that the MLA applies to your loan. If this 
loan is a revolving line of credit or credit card, the MLA ceases to apply at any time during which you are not a member of the military or a dependent 
(as defined in the MLA). 
1.  NOTICE:  Federal  law  provides  important  protections  to  members  of  the  Armed  Forces  and  their  dependents  relating  to  extensions  of 
consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual 
percentage  rate  of  36  percent.  This  rate  must  include,  as  applicable  to  the  credit  transaction  or  account:  the  costs  associated  with  credit 
insurance  premiums  or  debt  protection  fees;  fees  for  ancillary  products  sold  in  connection  with  the  credit  transaction;  any  application  fee 
charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain 
participation  fees  for  a  credit  card  account).  To  receive  this  notice  verbally,  please  call  1-888-213-2848  during  our  normal  business  hours: 
Monday   Friday 9:00 am   7:00 pm EST and Saturday 9:00 am 

 4:00 pm EST. 

2.  This loan will not be secured by a consensual lien on shares or deposits in any of your accounts unless you agree  to establish an account in 
e loan is made will secure this loan. Any 
cross-collateralization  provision  contained  in  your  loan  or  account  documents  will  not  apply  to  the  Secured  Account  or  your  other  share  or 
deposit accounts for any loan subject to the Military Lending Act. 
However, we reserve our statutory lien rights and rights to set-off or administrative freeze under federal or state law, which gives us the right to 
apply the sums in the Secured Account or any other account(s) you have with us to satisfy your obligations under this loan. 

3.  Any  reference  in  this  consumer  credit  contract  to  the  following  are  hereby  inapplicable  to  your  loan:  (a)  Mandatory  arbitration;  (b)  Any 
requirement(s) to waive your rights to legal recourse under any applicable state or federal law; (c) Any demands or requirements construed as 
unreasonable notice from you in order to exercise your legal rights; or (d) Prepayment penalties. 

4.  Any  provisions  in  your  consumer  credit  contract,  loan,  security,  or  account  agreements  that  are  determined  to  be  inconsistent  with  or 
contradictory to these disclosures or the MLA (as they may be changed or amended from time to time) are inapplicable with regard to this loan. 
However, all other terms and conditions of the consumer credit contract shall remain in full force and effect. 

BILLING RIGHTS NOTICE 

Your Billing Rights: Keep this Document for Future Use 
This notice tells you about your rights and our responsibilities under 
the Fair Credit Billing Act. 

What To Do If You Find A Mistake On Your Statement  
If  you  think  there  is  an  error  on  your  statement,  write  to  us  at  the 
address(es) listed on your statement.  
In your letter, give us the following information:  

1. Your name and account number. 
2. The dollar amount of the suspected error. 
3. If you think there is an error on your bill, describe what you believe is 

wrong and why you believe it is a mistake. 

You must contact us: 

  Within 60 days after the error appeared on your statement.  
  At least 3 business days before an automated payment is scheduled, if 
you want to stop payment on the amount you think is wrong. 

You must notify us of any potential errors in writing. You may call us, but if 
you  do,  we  are  not  required  to  investigate  any  potential  errors  and  you 
may have to pay the amount in question.  

What Will Happen After We Receive Your Letter  

When we receive your letter, we must do two things: 

1. Within  30  days  of  receiving  your  letter,  we  must  tell  you  that  we 
received  your  letter.  We  will  also  tell  you  if  we  have  already 
corrected the error. 

2. Within  90  days  of  receiving  your  letter,  we  must  either  correct  the 

error or explain to you why we believe the bill is correct. 
While we investigate whether or not there has been an error:  

  We  cannot  try  to  collect  the  amount  in  question,  or  report  you  as 
delinquent on that amount. 
  The charge in question may remain on your statement, and we may 
continue to charge you interest on that amount.  
  While  you  do  not  have  to  pay  the  amount  in  question,  you  are 
responsible for the remainder of your balance.  
  We can apply any unpaid amount against your credit limit. 

After we finish our investigation, one of two things will happen:  

  If  we  made  a  mistake:  You  will  not  have  to  pay  the  amount  in 
question or any interest or other fees related to that amount. 

  If  we  do  not  believe  there  was  a  mistake:  You  will  have  to  pay  the 
amount in question, along with applicable interest  and fees. We will 
send you a statement of the amount you owe and the date payment 
is due. We may then  report you as delinquent if you do not pay the 
amount we think you owe. 

If you receive our explanation but still believe your bill is wrong, you must 
write  to us within  10 days  telling us that you still refuse to pay. If you  do 
so, we cannot report you as delinquent without also reporting that you are 
questioning  your  bill.  We  must  tell  you  the  name  of  anyone  to  whom  we 
reported  you  as  delinquent,  and  we  must  let  those  organizations  know 
when the matter has been settled between us.  
If we do not follow all of the rules above, you do not have to pay the first 
$50 of the amount you question even if your bill is correct.  

Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
If you are dissatisfied with the goods or services that you have purchased with 
your credit card, and you have tried in good faith to correct the problem with 
the merchant, you may have the right not to pay the remaining amount due on 
the purchase. To use this right, all of the following must be true: 

1. The purchase must have been made in your home state or within 100 
miles  of  your  current  mailing  address,  and  the  purchase  price  must 
have  been  more  than  $50.  (Note:  Neither  of  these  are  necessary  if 
your purchase was based on an advertisement we mailed to you, or if 
we own the company that sold you the goods or services.) 

2. You  must  have  used  your  credit  card  for  the  purchase.  Purchases 
made  with  cash  advances  from  an  ATM  or  with  a  check  that 
accesses your credit card account do not qualify. 
3. You must not yet have fully paid for the purchase. 

If  all  of  the  criteria  above  are  met  and  you  are  still  dissatisfied  with  the 
purchase, contact us in writing at the address(es) listed on your statement. 
While  we  investigate,  the  same  rules  apply  to  the  disputed  amount  as 
discussed  above.  After  we  finish  our  investigation,  we  will  tell  you  our 
decision. At that point, if we think you owe an amount and you do not pay, 
we may report you as delinquent. 

9011 LASER WORD FI13874 Rev 5-2021 

COPYRIGHT 2006 Securian Financial Group, Inc. All rights reserved. 

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