CREDIT CARD ACCOUNT AGREEMENT AND FEDERAL 
TRUTH-IN-LENDING DISCLOSURE STATEMENTS 

PO Box 4044 
Beaverton, OR 97076-4044 
(503) 626-6600  (cid:1)  Fax: (503) 350-0126 

THIS  IS  YOUR  CREDIT  CARD  ACCOUNT  AGREEMENT  AND  IT  INCLUDES  NECESSARY  FEDERAL  TRUTH-IN-LENDING 
DISCLOSURE  STATEMENTS,  PLATINUM  VISA  AND  SHARE  SECURED  VISA  AGREEMENTS,  AND  ANY  SPECIAL 
INSTRUCTIONS REGARDING THE USE OF YOUR PLATINUM VISA AND SHARE SECURED VISA CREDIT CARDS, AND/OR ANY 
OTHER  ACCOUNT  ACCESS  DEVICE.  PLEASE  BE  CERTAIN  TO  READ  THIS  AGREEMENT  CAREFULLY  AND  NOTIFY  US  AT 
ONCE IF ANY PARTS ARE UNCLEAR. 

Interest Rate and Interest Charges 

Annual Percentage Rate 
(APR) For Purchases 

Platinum VISA: _________%

Share Secured VISA: _________%

APR for Balance Transfers 

Platinum VISA: _________%    

Share Secured VISA: _________% 

APR for Cash Advances 

Platinum VISA: _________%    

Share Secured VISA: _________% 

Paying Interest 

Your  due  date  is  at  least  25  days  after  the  close  of  each  billing  cycle.  We  will  not  charge  You 
interest on purchases if You pay Your entire balance by the due date each month. We will begin 
charging interest on cash advances and balance transfers on the transaction date. 

For Credit Card Tips from 
the Consumer Financial 
Protection Bureau 

To learn more about factors to consider when applying for or using a Credit Card, 
visit the website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore. 

Fees 

Transaction Fees 
•

Foreign Transaction Fee

Penalty Fees 
• Returned Payment
•
Late Payment

1.00% of each transaction in U.S. dollars. 

Up to $25.00 
Up to $25.00 after 7 days; 

How  We  Will  Calculate  Your  Balance:  We  use  a method called "average daily balance (including new purchases).” See Your 
Agreement for details. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in Your Agreement. 

Copyright Oak Tree Business Systems, Inc., 2008-2014. All Rights Reserved.  

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  OTBS 016CC RMAR (6/14) 

DEFINITIONS.  In  this  Agreement,  the  reference  to  "We,"  "Us,"  "Our"  and  "Credit  Union"  mean  RIVERMARK  COMMUNITY  CREDIT  UNION.  The  words  "You"    and 
"Your"  mean  each  person  accepting  this  Agreement.  If  this  is  a  joint  Account,  read  singular  pronouns  in  the  plural.  The  words  "Card"  and  "Credit  Card"  mean  any 
Platinum VISA and Share Secured VISA Credit Card issued to You by Us and any duplicates or renewals. The word "Account" means the Platinum VISA and Share 
Secured VISA Credit Card Account established for You under this Agreement. “Convenience Checks” mean the special Account access devices that We may provide 
for Your use from time to time. 

Platinum VISA 

Share Secured VISA 

Platinum VISA 

Share Secured VISA 

Platinum VISA 

Share Secured VISA 

Daily 
Periodic Rate 
For Purchases 

___________ 

___________ 

Daily  
Periodic Rate 
For Cash Advances 

___________ 

___________ 

Daily  
Periodic Rate 
For Balance Transfers 

___________ 

___________ 

ANNUAL 
PERCENTAGE RATE 
For Purchases 

___________ 

___________ 

ANNUAL 
PERCENTAGE RATE 
For Cash Advances 

___________ 

___________ 

ANNUAL 
PERCENTAGE RATE 
For Balance Transfers 

___________ 

___________ 

PROMISE TO PAY. You understand that the following terms and conditions found 
herein  constitute  Our  Agreement  with  You.  You  may  request  advances  on  Your 
Account through a variety of means which could include (but may not be limited to) 
telephonic  requests,  Convenience  Checks,  Credit  Cards  and  the  like.  Regardless 
of  the  means by which any advance is made, You promise to pay Us all amounts 
charged to Your Account by You or by any user who has access to Your Account, 
with  actual,  apparent  or  implied  authority  for  use  of  Your  Account,  including 
Finance Charges and other fees or charges described herein. 

LINE  OF  CREDIT  LIMITS.  You  will  be  notified  of  each  specific  Credit  Limit  for 
which  You  are  approved.  Unless  You  are  in  default,  the  Credit  Limits  established 
for  You  will  generally  be  self-replenishing  as  You  make  payments.  You  will  keep 
Your  unpaid  balance  within  Your  Credit  Limit  set  by  Us,  and  You  will  pay  any 
amount  over  Your  Credit  Limit  on  Our  demand  whether  or  not  We  authorize  the 
advances  which  caused  You  to  exceed  Your  Credit  Limit.  Even  if  Your  unpaid 
balance is less than Your Credit Limit, You will have no credit available during any 
time that any aspect of Your Account is in default. 

USE OF YOUR CARD. You may use Your Card to buy goods and services in any 
place  that  it  is  honored  and  to  get  cash  advances  at  participating  financial 
institutions.  You  agree  not  to  use  Your  Card  for  illegal  transactions  including,  but 
not limited to, advances made for the purpose of gambling and/or wagering where 
such practices are in violation of applicable state and/or federal law. 

CROSS-COLLATERAL  AS  SECURITY.  Collateral  (other  than  household 
goods or any dwelling used as Your principal residence) given as security 
under this Agreement or for any other loan You may have with Us will 
secure all amounts You owe Us now and in the future if that status is 
reflected in the "Truth-in-Lending Disclosure" in any particular agreement 
evidencing such debt. 

LIEN ON FUNDS DEPOSITED AS SECURITY. You acknowledge that You own any 
certificates and/or shares pledged as security and that there are no other liens against 
them other than Ours. You agree to perform all acts which are necessary to make Our 
security interest in the certificates and/or shares being pledged enforceable. 

VISA PURCHASE MONEY SECURITY. For all purchase money transactions made 
with  Your  Card, to the extent permitted by law, You grant Us a security interest in 
all such personal property purchased with such Card. 

CONSENSUAL  LIEN  ON  FUNDS  DEPOSITED  AS  SECURITY.  You  grant  and 
consent  to  a  lien  on  Your  funds  on  deposit  with  Us  (except  for  IRA  and 
Keogh  accounts)  and any dividends due or to become due to You from Us 
to the extent You owe on any unpaid Credit Card. If such funds on deposit 
or dividends due are owned jointly, Our right of set-off and Our consensual 
lien extends to any amount owed to Us by any of the joint owners. 

JOINT  ACCOUNTS.  Each  Borrower  will  be  responsible,  individually  and  together, 
for the repayment of any amounts owed. If any Account access device, such as a 
Personal  Identification  Number  (PIN)  is  requested  and  approved,  You  understand 
that  any  such  Account  access  device(s)  will  only  be  provided  to  the  primary 
Borrower at the address that We have on file for You. We may refuse to follow any 
instructions which run counter to this provision. 

MINIMUM  MONTHLY  PAYMENTS  (PAYMENT  SCHEDULE).  Though  You  need 
only pay the Minimum Monthly Payments, You understand that You have the right 
to  repay  at  any  time  without  penalty.  You  also  understand  that  You  will  only  be 
charged periodic Finance Charges to the date You repay Your entire balance. You 
may make larger payments without penalty. Any partial payment or prepayment will 
not  delay  Your  next  scheduled  payment.  All  payments  to  Us  must  be  in  lawful 
money of the United States. Except as required by law, We may apply payments in 
an order of Our choosing. Any unpaid portion of the Finance Charge will be paid by 
subsequent  payments  and  will  not  be  added  to  Your  principal  balance.  You 
understand  that  any  delay  in  the  repayment  of  Your  unpaid  balance  will  increase 
Your  periodic  Finance  Charges  and  any  acceleration  in  the  repayment  of  Your 
unpaid balance will decrease Your periodic Finance Charges. 

You agree to pay Your minimum monthly payment, which will be established at the 
close  of  each  billing  cycle.  The  minimum  monthly  payment  will  be  2.00%  of  Your 
outstanding  balance  or  $20.00,  whichever  is  greater,  plus  any  amounts  past  due 
and  any  overlimit  amounts.  If  Your  outstanding  balance  is  less  than  $20.00,  You 
agree to pay the balance in full. 

You may, by separate agreement, authorize Us to charge Your payment directly to 
Your share or share draft account. 

ACCOUNT  RESTRICTIONS.  In  order  to  receive  and  maintain  a  Share  Secured 
VISA  Credit  Card,  You  agree  to  give  Us  a  specific  pledge  of  shares  which  will 
equal  Your  credit  limit.  In  the  event  that  You  default  on  Your  Share  Secured 
VISA  Credit  Card,  We  may  apply  these  shares  toward  the  repayment  of  any 
amount  owed  on  such  Credit  Card.  You  may  cancel  Your  Share  Secured  VISA 
Credit Card at any time by paying any amounts owed on that Credit Card. To be 
certain  that  Your  entire  balance  and  all  advances are paid, any shares pledged 
may  not  be  available  to  You  for  30  days  after  You  have  cancelled  and  any 
outstanding balance is paid in full. 

FINANCE CHARGES. In the case of any transactions, the balances subject to the 
periodic  Finance  Charge  are  the  separate  average  daily  transactions  balances 
outstanding  during  the  month  (including  new  transactions)  for  purchases,  cash 
advances  and balance transfers. To get each average daily balance, We take the 
beginning balance for purchases, cash advances and balance transfers each day, 
add  any  new  transactions  for  purchases,  cash  advances  and  balance  transfers 
(costs for debt cancellation coverage, debit adjustments or other charges, such as 
collection expenses, as applicable) and subtract any payments, credits and unpaid 
Finance Charges. This gives Us the daily balance(s) for purchases, cash advances 

Copyright Oak Tree Business Systems, Inc., 2008-2014. All Rights Reserved.  

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  OTBS 016CC RMAR (6/14) 

and balance transfers. Then, We add up the separate daily balances for purchases, 
cash  advances  and  balance  transfers  for  the  billing  cycle  and  divide  them  by  the 
number  of  days  in  the  billing  cycle  to  arrive  at  the  separate  average  daily 
transactions  balances  for  purchases,  cash  advances  and  balance  transfers.  The 
Finance  Charge  for  a  billing  cycle  is  computed  by  multiplying  each  average  daily 
balance  subject  to  a  Finance  Charge  by  the  applicable  Daily  Periodic  Rate  times 
the  number of days in the billing cycle, and the sum is the amount of the Finance 
Charge owed for the billing cycle being accounted for. 

Your  due  date  is  at  least  25  days  after  the  close  of  each  billing  cycle.  You  can 
avoid  Finance  Charges  on  purchases  by  paying  the  full  amount  of  the  entire 
balance owed each month by the payment due date. Otherwise, the new balance of 
purchases,  and  subsequent  purchases  from  the  date  they  are  posted  to  Your 
Account,  will  be  subject  to  a  Finance  Charge.  Cash  advances  and  balance 
transfers are always subject to a Finance Charge from the later of the date they are 
posted  to  Your  Account  or  from  the  first  day  of  the  billing  cycle  in  which  the 
transaction is posted to Your Account. 

OVERDRAFT PROTECTION. We may transfer funds in the amount necessary (or 
in  such  increments  as  We  may  from  time  to  time  determine)  to  Your  share  draft 
account  by  an  advance  on  Your  Account,  subject  to  this  provision  and  any 
preference You have indicated to Us for clearing any overdraft on Your share draft 
account. Whether or not such transfers occur will be controlled by this Agreement. 
In  any  event,  You  hold  Us  harmless  for  any  and  all  liability which might otherwise 
arise if the transfer does not occur. Overdraft protection automatically ceases if this 
Agreement is ever cancelled or terminated or Your Account is in default. 

As  disclosed  to  You  previously,  all  owners  of accounts owned jointly are liable for 
any  overdrafts  that  may  occur  on  those  accounts,  regardless  of  whether  or  not  a 
benefit  occurred  and  checks  cashed  against  any  such  account  are  subject  to 
collectibility  from  that  account  if  returned  unpaid.  All  of  which  means  that  if  this 
overdraft protection function is attached to an account owned jointly, then overdraft 
transfers  will  be  made  even  if  You  are  not  the  party  that  caused  the  overdraft  to 
occur in the first place. 

PERIODIC STATEMENTS. On a regular basis, You will receive a statement showing 
all transactions on Your Account including amounts paid and borrowed since Your last 
statement. We will mail You a statement each month in which there is a debit or credit 
balance or when a Finance Charge is imposed. We need not send You a statement if 
We  feel  Your  Account  is  uncollectible  or  if  We  have  started  collection  proceedings 
against  You  because  You  defaulted.  EACH  STATEMENT  IS  DEEMED  TO  BE  A 
CORRECT  STATEMENT  OF  ACCOUNT  UNLESS  YOU  ESTABLISH  A  BILLING 
ERROR PURSUANT TO THE FEDERAL TRUTH-IN-LENDING ACT.  

OUR  RESPONSIBILITIES  TO  HONOR  CONVENIENCE  CHECKS.  We  are  under 
no  obligation  to  honor  Your  Convenience  Checks  if:  (1)  by  paying  a  Convenience 
Check  You  would  exceed  Your  Credit  Limit;  (2)  Your  Convenience  Check is post-
dated.  We  are  not  responsible,  however,  if  any  such  Convenience  Check  is 
honored  and,  as  a  result,  any  other  Convenience  Check  is  returned  unpaid;  (3) 
Your  Convenience  Checks  have  been  reported 
lost  or  stolen;  (4)  Your 
Convenience  Check  is  not  signed  by  a  Borrower  under  this  Agreement;  (5)  Your 
Account  has  been  cancelled  or  terminated  as  provided  for  in  this  Agreement;  (6) 
Your Convenience Check is written for an amount less than the minimum required 
amount;  and/or  (7)  Your  Convenience  Check  is  payable  to  the  Credit  Union  and 
represents  payment  on  the  Account  that  it  is  drawn  on.  You  may  be  able  to  stop 
payment of a Convenience Check by contacting a Credit Union representative and 
following the directions that are provided. 

DEFAULT. You will be in default if: (a) You do not make any payment when due; or (b) 
You  exceed  Your  Credit  Limit;  or  (c)  You  fail  to  perform  any  obligation  under  this 
Agreement, or any other agreement that You may have with Us; or (d) You should die, 
become  involved  in  any  bankruptcy,  receivership  or  custodial  proceeding  filed  by  or 
against  You;  or  (e)  You  have  made  a  false  or  misleading  statement  in  Your  credit 
application  and/or  in  Your  representations  to  Us  while  You  owe  money  on  Your 
Account; or (f) A judgment or tax lien should be filed against You or any attachment or 
garnishment  should  be  issued  against  any  of  Your  property  or  rights,  specifically 
including  anyone  starting  an  action  or  proceeding  to  seize  any  of  Your  funds  on 
deposit  with  Us;  and/or  (g)  We  believe,  in  good  faith,  that  Your  ability  to  repay  Your 
indebtedness hereunder is or soon will be impaired, time being of the very essence. 

ENFORCEMENT. We do not lose Our rights under this or any related agreement 
if  We  delay  enforcing  them.  We  can  accept  late  payments,  partial  payments  or 
any  other  payments,  even  if  they  are  marked  "paid  in  full"  without  losing  any  of 
Our  rights  under  this  Agreement.  If  any  provision  of  this  or  any  related 
agreement  is  determined  to  be  unenforceable  or  invalid,  all  other  provisions 
remain in full force and effect. 

NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move 
or otherwise have a change of address. 

CHANGE  IN  TERMS.  We  may  change  the  terms  of  this  Agreement  by  mailing  or 
delivering to You written notice of the changes as prescribed by the Federal Truth-
In-Lending Act. To the extent permitted by law, the right to change the terms of this 
Agreement  includes,  but  is  not  limited  to,  the  right  to  change  the  periodic  rate 
applicable to Your unpaid balance and/or future advances. 

CREDIT  INSURANCE.  Credit  insurance  is  not  required  for  any  extension  of  credit 
under  this  Agreement.  However,  You  may  purchase  any  credit  insurance  available 
through Us and have the premiums added to Your outstanding balance. If You elect to 
do so, You will be given the necessary disclosures and documents separately. 

INTEGRATED  DOCUMENTS.  Any  separate  sheet  of  paper  which  is  delivered 
together  with  this  Agreement  or  at  a  later  date  becomes an integrated part of this 
Agreement and Disclosure. 

CONSENT TO AGREEMENT. You acknowledge receipt of a copy of this Agreement. 
By signing the application; or by using Your Account or any Account access device; or 
by authorizing another to use Your Account, You agree to and accept its terms. 

UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts 
to  update  information  contained  in  Your  original  Account  application  or  other 
financial  information  related  to  You, at Our request. You also agree that We may, 
from  time  to  time,  as  We  deem  necessary,  make  inquiries  pertaining  to  Your 
employment,  credit  standing  and  financial  responsibility  in  accordance  with 
applicable  laws  and  regulations.  You  further  agree  that  We  may  give  information 
about the status and payment history of Your Account to consumer credit reporting 
agencies, a prospective employer or insurer, or a state or federal licensing agency 
having any apparent legitimate business need for such information.  

TERMINATION.  Either  You or We may cancel Your Account at any time, whether 
or  not  You  are  in  default.  You  will,  in  any  case,  remain  liable  to  pay  any  unpaid 
balances according to the terms of Your Account. 

OWNERSHIP. Your Card remains Our property and may be cancelled by Us at any 
time  without  notice.  You  agree  to  surrender  Your  Card  and  to  discontinue  its  use 
immediately upon Our request. 

ISSUANCE  OF  A  PERSONAL  IDENTIFICATION  NUMBER.  We  will  issue,  upon 
Your  request,  a  Personal  Identification  Number  (PIN)  for  use  with  participating 
Automated  Teller  Machines  (ATMs).  This  PIN  is  confidential  and  should  not  be 
disclosed to anyone. You may use Your PIN to access Your Account and all sums 
advanced  will  be  added  to  Your  Account  balance.  In  the  event  a use of Your PIN 
constitutes  an  Electronic  Fund  Transfer,  the  terms  and  conditions  of  Your 
Electronic Fund Transfer Agreement may also affect Your rights.  

EFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other 
slips You may sign or receive when using Your Card contain terms, this Agreement 
is the contract which solely applies to all transactions involving the Card. 

UNAUTHORIZED  USE.  You may be liable for the unauthorized use of Your Card. 
You will not be liable for the unauthorized use that occurs after You notify Us of the 
loss,  theft,  or  possible  unauthorized  use  by  calling  Us  at  (800)  452-8502  or  (503) 
626-6600, or by writing to Us at P.O. Box 4044, Beaverton, OR 97076-4044. In any 
case, Your liability will not exceed $50.00. 

REFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not liable for 
the  refusal  or  inability  of  merchants,  financial  institutions  and  others  to  accept  the 
Cards or Convenience Checks, or electronic terminals to honor the Cards or complete 
a Card withdrawal, or for their retention of the Cards or Convenience Checks. 

Upon  any  occurrence  of  default,  We  may,  to  the  extent  permitted  by  law,  cancel 
Your  rights  under  this  Agreement,  require  the  return  of  all  access  devices  and 
declare  the  entire  balance  of  Your  Account  immediately  due  and  payable,  without 
prior notice or demand.  

COLLECTION  COSTS.  In  the  event  collection  efforts  are  required  to  obtain 
payment on this Account, to the extent permitted by law, You agree to pay all court 
costs,  private  process  server  fees,  investigation  fees  or  other  costs  incurred  in 
collection  and  reasonable  attorneys’  fees  incurred  in  the  course  of  collecting  any 
amounts owed under this Agreement or in the recovery of any Collateral. 

FOREIGN  TRANSACTIONS.  For  transactions  initiated  in  foreign  countries and 
foreign  currencies,  the  exchange  rate between the transaction currency and the 
billing currency (U.S. dollars) will be: (a) a rate selected by VISA from the 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  (b) 
the government-mandated  rate  in  effect  for  the  applicable  central processing 
date.  For  transactions  that  are  initiated  in  a  foreign  currency,  You  will  be 
charged  1.00%  of  the  final  settlement  amount. For  transactions  occurring  in 
foreign countries and initiated in U.S. Dollars, You will be charged 1.00% of the 
final settlement amount. 

Copyright Oak Tree Business Systems, Inc., 2008-2014. All Rights Reserved.  

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TRANSACTION  SLIPS.  Your  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. 

LATE  CHARGE.  If  Your  payment  is  more  than  seven  days  late,  You  will  be 
charged $25.00 or the amount of the minimum payment due, whichever is less. 

OTHER  FEES  AND  CHARGES.  You  will  be  charged  the  following  fees  associated 
with  the  use  of  Your  Card:  (a)  $25.00  for  any  check  (or  other  negotiable  instrument 
used for payment) which is returned unpaid, or the required minimum payment amount 
for the returned payment, whichever is less; (b) $5.00 for each replacement Card You 
request; (c) $10.00 for each statement or sales draft copy that You request; (d) $25.00 
each time You request that We deliver an item on an expedited basis; and (e) $65.00 
each time You fail to return to Us any Cards that are in Your possession after reporting 
a lost or stolen Card, or in the event We terminate Your credit privileges. 

LOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit Cards 
or  Convenience  Checks,  You  will  immediately  call  Us  at  (800)  452-8502  or  (503) 
626-6600, or write to Us at P.O. Box 4044, Beaverton, OR 97076-4044. 

CREDITS.  If  a  merchant  who  honors  Your  Card  gives  You  credit  for  returns  or 
adjustments,  they  will  do  so  by  sending  Us  a  slip  which  will  be  posted  to  Your 
Account.  If  Your  credits  and  payments  exceed  what  You  owe  Us,  We  will  hold 
and apply this credit against future purchases and cash advances, or if it is $1.00 
or  more  refund  it  on Your written request or automatically deposit it to Your share 
account after six months.   

CONTACT  METHODS.  You  understand  and  agree  that  to the extent permitted by 
applicable law and as an express condition of Our providing the credit represented 
by this Agreement, We may choose to contact You at any wireless, cellular, mobile 
or other phone number that You provide or any other number We may obtain. You 
further  understand  and  agree  that  subject  to  applicable  law,  We  may  contact You 
using  any  other  means  We  choose,  including  but  not  limited  to  text  messaging, 
artificial or prerecorded voice messages and automatic dialing technology. Without 
limitation, You agree to pay all costs that You may incur as a result of the contact 
method We choose. 

GOVERNING LAW. This Agreement is controlled and governed by the laws of the 
State of Oregon except to the extent that such laws are inconsistent with controlling 
federal law. 

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 Our address shown 
in this Agreement. In Your letter, give us the following information: 

•
•
•

Account information: Your name and Account number.
Dollar amount: The dollar amount of the suspected error.
Description  of  problem:  If  You  think  there  is  an  error  on  Your  bill,  describe
what You believe is wrong and why You believe it is a mistake.

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)

2)

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  $50.00.  (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.)

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.

You must contact Us: 

3)

You must not yet have fully paid for the purchase.

•
•

Within 60 days after the error appeared on Your statement.
At  least  three  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. 

If  all  of  the  criteria  above are met and You are still dissatisfied with the purchase, 
contact Us in writing at Our address shown in this Agreement.  

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. 

Copyright Oak Tree Business Systems, Inc., 2008-2014. All Rights Reserved.  

Page 4 of 4  

  OTBS 016CC RMAR (6/14) 

RIVERMARK COMMUNITY CREDIT UNION 
VISA CREDIT CARD PRICING ADDENDUM 

i.

ANNUAL PERCENTAGE RATES for Purchases, Cash Advances, and Balance Transfers:

a. PLATINUM VISA

b. SHARE SECURED VISA

6.90% - 17.90%

10.90%

ii.

iii.

iv.

v.

vi.

vii.

Fees for issuance or availability:

Fixed finance charge/minimum interest charge:

Transaction charge:

NONE 

NONE 

NONE 

Grace period: You will have at least 25 days to repay your balance for purchases before a finance
charge will be imposed; You will have no grace period for balance transfers, cash advances or
convenience checks.

Balance computation method: Average daily balance including new purchases

Cash advance fee:

NONE 

viii.

Late payment fee:

Up To $25.00 after 7 days 

ix.

x.

xi.

xii.

xiii.

Over the credit limit fee:

Balance transfer fee:

Returned payment fee:

NONE 

NONE 

Up To $25.00 

Required insurance, debt cancellation or debt suspension coverage: NONE

Daily Periodic Rates for Purchases, Cash Advances, and Balance Transfers:

a. PLATINUM VISA

0.018904% - 0.049041% 

b. SHARE SECURED PLATINUM VISA

0.029863%