purchases and cash advances. If the credit balance 
amount is $1.00 or more, it will be refunded upon your 
written request or automatically after six (6) months.
17. ADDITIONAL BENEFITS/CARD ENHANCEMENTS �  
The Credit Union may from time to time offer addi -
tional services to your account, such as travel accident 
insurance,at no additional cost to you. You understand 
that the Credit Union is not obligated to offer such ser -
vices and may withdraw or change them at any time.
18. MERCHANT DISPUTES � The Credit Union is not 
 responsible for the refusal of any merchant or financial 
 institution to honor your card. The Credit Union is sub 
 ject to claims and defenses (other than tort claims) 
 arising out of goods or services you purchase with the 
 card if you have made a good faith attempt but have 
 been unable to obtain satisfaction from the merchant 
 or service provider, and (a) your purchase was made 
 in response to an advertisement the Credit Union sent 
 or participated in sending to you; or (b) your purchase 
 cost more than $50.00 and was made in your state or 
 within 100 miles of your home.
19. JOINT ACCOUNTS � If this is a joint account, each of
 you will be individually and jointly responsible for pay 
 ing all amounts owed under this Agreement. This 
 means that the Credit Union can require any one of 
 you individually to repay the entire amount owed 
 under this Agreement. Each of you authorizes the 
 other(s) to make purchases or cash advances individu 
 ally. Any one of you may terminate the account and the 
 termination will be effective as to all of you.
20. EFFECT OF AGREEMENT � This Agreement is the 
 contract which applies to all transactions on your 
 account even though the sales, cash advances, credit 
 or other slips you sign or receive may contain different 
 terms.
21. NO WAIVER � The Credit Union can delay enforcing
 any of its rights any number of times without losing them.
22. STATEMENTS AND NOTICES � Statements
 and notices will be mailed to you at the appropriate 
 address you have given the Credit Union. Notice sent 
 to any one of you will be considered notice to all. 
23. SEVERABILITY AND FINAL EXPRESSION � This
 Agreement and the Disclosure are the final expression 
 of the terms and conditions of your account. This writ 
 ten Agreement and Disclosure may not be contradicted 
 by evidence of any alleged oral agreement. Should any 
 part of this Agreement or the Disclosure be found to be 
 invalid or unenforceable, all other parts of this Agreement
 and Disclosure shall remain in effect and fully enforce 
 able to the fullest extent possible under this Agreement.
24. COPY RECEIVED � You acknowledge that you have
 received a copy of this Agreement and Disclosure.
25. GAMBLING TRANSACTIONS PROHIBITED �  You may
 not use your card to initiate any type of gambling 
 transaction.
26. PENALTY RATE DISCLOSURES �  If applicable to your
 account, all rates for your account, including the rates 
 for purchases, cash advances, and balance transfers, 
 will increase to the Penalty Rate shown on the 
 Disclosure accompanying this Agreement when you 
 meet one or more of the conditions as set forth in the 
 Disclosure. Any rate increases applied to your account 
 are subject to applicable notice requirements. Please 
 refer to the Disclosure for additional information 
 regarding the Penalty Rate.27. NOTICE TO UTAH BORROWERS �  This written agreement
 is a final expression of the agreement between you
 and the Credit Union. This written agreement may not
 be contradicted by evidence of any oral agreement.
28. THE FOLLOWING IS REQUIRED BY VERMONT LAW �
 NOTICE TO CO-SIGNER � YOUR SIGNATURE ON
 THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE
 FOR REPAYMENT OF THIS LOAN. IF THE BORROWER 
 DOES NOT PAY,THE LENDER HAS A LEGAL RIGHT TO 
 COLLECT FROM YOU.
29. NOTICE TO ALABAMA BORROWERS � 
 CAUTION: IT IS IMPORTANT THAT YOU THOR- 
 OUGHLY READ THIS AGREEMENT BEFORE YOU 
 SIGN IT.
Your Billing Rights: Keep this Document for Future Use 
This notice tells you about your rights and our responsi-
bilities 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:
 Westerra Credit Union 
 3700 East Alameda Avenue 
 Denver, CO 80209
You may also contact us on the Web: www.westerracu.com
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. You must contact us: 
> Within 60 days after the error appeared on your statement. 
> At least 3 business days before an automated pay 
   ment 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 [or electronically]. You may
    call us, but if you do we are not required to investi
    gate 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 why we believe the 
    bill was 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 state 
    ment, 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 in 
    terest 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 organiza-
tions 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 [or electronically]
   at: Westerra Credit Union 3700 East Alameda Avenue
   Denver, CO 80209 www.westerracu.com
While we investigate, the same rules apply to the disputed
amount as discussed above. After we finish our investiga-
tion, 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.
SPECIAL RULE FOR CREDIT CARD PURCHASES � If you 
have a problem with the quality of property or services that 
you purchased with a 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 
property or services. There are two (2) limitations on this 
right:
> You must have made the purchase in your home state 
   or, if not within your home state, within 100 miles of
   your current mailing address; and
    > The purchase price must have been more than $50.00. 
These limitations do not apply if we own or operate the 
merchant, or if we mailed you the advertisement for the 
property or servicesWESTERRA CREDIT UNION
3700 East Alameda Avenue Denver, CO 80209
303-321-4209 � 800-858-7212
Fax: 866-208-1597
www.westerracu.com
VISA CLASSIC AND VISA PLATINUM 
CONSUMER CREDIT CARD AGREEMENT
In this Agreement, �Agreement� means this Consumer 
Credit Card Agreement. �Disclosure� means the Credit 
Card Account Opening Disclosure. The Account Open-
ing Disclosure is incorporated into this Consumer Credit 
Card Agreement and is part of the Agreement. In this 
Agreement the words �you,� �your,� and �yours� mean 
each and all of those who agree to be bound by this 
Agreement; �card� means the Visa credit card and any 
duplicates, renewals, or substitutions the Credit Union 
issues to you; �account� means your Visa credit card 
line-of-credit account with the Credit Union; and �Credit 
Union� means the Credit Union whose name appears 
on this Agreement or anyone to whom the Credit Union 
transfers this Agreement.
1. USING YOUR ACCOUNT �  If you are approved for an
 account, the Credit Union will establish a line of credit
 for you. You agree that your credit limit is the maxi
 mum amount (purchases, cash advances, finance
 charges, plus �other charges�) which you will have
 outstanding on your account at any time. Unless dis-
 closed otherwise, the Credit Union will not allow
 advances over the credit limit. If the Credit Union has a 
 program whereby it allows payment of advances that 
 exceed your credit limit, subject to a fee, the Credit Union 
 will provide you with notice, either orally, in writing, or 
 electronically (notwithstanding the requirements of
 the paragraph entitled �Statements and Notices�)
 explaining your right to opt in to the Credit Union�s
 over the credit limit. In the event you opt in to such a 
 program, you agree to the terms of such a program. You
 may request an increase in your credit limit only by a 
 method acceptable to the Credit Union. The Credit Union 
 may increase or decrease your credit limit, refuse to make 
 an advance and/or terminate your account at any time
 for any reason not prohibited by law. If you are permit 
 ted to obtain cash advances on your account, we may, 
 from time to time, issue convenience checks to you that 
 may be drawn on your account. Convenience checks may 
 not be used to make a payment on your account balance. 
 If you use a convenience check, it will be posted to your 
 account as a cash advance. We reserve the right to refuse 
 to pay a convenience check drawn on your account for 
 any reason and such refusal shall not constitute wrongful 
 dishonor. You may request that we stop the payment of a 
 convenience check drawn on your account. You agree to 
 pay any fee imposed to stop a payment on a convenience 
 check issued on your account. You may make a stop pay 
 ment request orally, if permitted, or in writing. Your 
 request must be made with sufficient time in advance 
 of the presentment of the check for payment to give us a 
 reasonable opportunity to act on your request.
          WESTERRA  CREDIT  UNION
3700 East Alameda Avenue � Denver, CO 80209
303-321-4209 � 800-858-7212 � Fax: 866-208-1597  
www.westerracu.com
I003206   WESTERRA CREDIT UNION 
3700 East Alameda Avenue Denver, CO 80209  
303-321-4209 � 800-858-7212  
Fax: 866-208-1597 
www.westerracu.com
LOANLINER 
VISA CLASSIC AND VISA PLATINUM 
CONSUMER CREDIT CARD AGREEMENT 
In this Agreement, � Agreement� means this Consumer Credit 
Card Agreement. �Disclosure� means the Credit Card Ac -
count Opening Disclosure. The Account Opening Disclosure 
is incorporated into this Consumer Credit Card Agreement 
and is part of the Agreement. In this Agreement the words 
�you, � �your, � and �yours� mean each and all of those who 
agree to be bound by this Agreement; �card� means the Visa 
credit card and any duplicates, renewals, or substitutions the 
Credit Union issues to you; �account� means your Visa credit 
card line-of-credit account with the Credit Union; and �Credit 
Union� means the Credit Union whose name appears on this 
Agreement or anyone to whom the Credit Union transfers this 
Agreement. 
1. USING YOUR ACCOUNT �  If you are approved for an 
account, the Credit Union will establish a line of credit 
for you. You agree that your credit limit is the maximum 
amount (purchases, cash advances, finance charges, plus 
�other charges�) which you will have outstanding on your 
account at any time. Unless disclosed otherwise, the 
Credit Union will not allow advances over the credit limit. 
If the Credit Union has a program whereby it allows pay -
ment of advances that exceed your credit limit, subject 
to a fee, the Credit Union will provide you with notice, 
either orally, in writing, or electronically (notwithstanding 
the requirements of the paragraph entitled �Statements 
and Notices�) explaining your right to opt in to the Credit 
Union�s program whereby it will honor advance requests 
over the credit limit. In the event you opt in to such a pro -
gram, you agree to the terms of such a program. You may 
request an increase in your credit limit only by a method 
acceptable to the Credit Union. The Credit Union may 
increase or decrease your credit limit, refuse to make an 
advance and/or terminate your account at any time for 
any reason not prohibited by law. If you are permitted 
to obtain cash advances on your account, we may, from 
time to time, issue convenience checks to you that may 
be drawn on your account. Convenience checks may not 
be used to make a payment on your account balance. If 
you use a convenience check, it will be posted to your 
account as a cash advance. We reserve the right to refuse 
to pay a convenience check drawn on your account for 
any reason and such refusal shall not constitute wrongful 
dishonor. You may request that we stop the payment of 
a convenience check drawn on your account. You agree 
to pay any fee imposed to stop a payment on a conve -
nience check issued on your account. You may make a 
stop payment request orally, if permitted, or in writing. 
Your request must be made with sufficient time in 
advance of the presentment of the check for payment to 
give us a reasonable opportunity to act on your request. purchases and cash advances. If the credit balance 
amount is $1 .00 or more, it will be refunded upon your 
written request or automatically after six (6) months. 
17 . ADDITIONAL BENEFITS/CARD ENHANCEMENTS �  
The Credit Union may from time to time offer additional 
services to your account, such as travel accident insur -
ance, at no additional cost to you. You understand that the 
Credit Union is not obligated to offer such services and 
may withdraw or change them at any time. 
18. MERCHANT DISPUTES �  The Credit Union is not 
responsible for the refusal of any merchant or financial in -
stitution to honor your card. The Credit Union is subject to 
claims and defenses (other than tort claims) arising out of 
goods or services you purchase with the card if you have 
made a good faith attempt but have been unable to obtain 
satisfaction from the merchant or service provider, and (a) 
your purchase was made in response to an advertisement 
the Credit Union sent or participated in sending to you; or 
(b) your purchase cost more than $50.00 and was made in 
your state or within 100 miles of your home. 
19. JOINT ACCOUNTS �  If this is a joint account, each of 
you 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 you individually 
to repay the entire amount owed under this Agreement. 
Each of you authorizes the other(s) to make purchases or 
cash advances individually. Any one of you may terminate 
the account and the termination will be effective as to all 
of you. 
20. EFFECT OF AGREEMENT �  This Agreement is the 
contract which applies to all transactions on your account 
even though the sales, cash advances, credit or other 
slips you sign or receive may contain different terms. 
21. NO WAIVER � The Credit Union can delay enforcing any 
of its rights any number of times without losing them. 
22.STATEMENTS AND NOTICES �  Statements and notices 
will be mailed to you at the appropriate address you have 
given the Credit Union. Notice sent to any one of you will 
be considered notice to all. 
23. SEVERABILITY AND FINAL EXPRESSION �  This 
Agreement and the Disclosure are the final expression 
of the terms and conditions of your account. This written 
Agreement and Disclosure may not be contradicted by 
evidence of any alleged oral agreement. Should any part 
of this Agreement or the Disclosure be found to be invalid 
or unenforceable, all other parts of this Agreement and 
Disclosure shall remain in effect and fully enforceable to 
the fullest extent possible under this Agreement. 
24. COPY RECEIVED �  You acknowledge that you have 
received a copy of this Agreement and Disclosure. 
25. GAMBLING TRANSACTIONS PROHIBITED �  You may 
not use your card to initiate any type of gambling transac -
tion. 
26. PENALTY RATE DISCLOSURES �  If applicable to your 
account, all rates for your account, including the rates 
for purchases, cash advances, and balance transfers, will 
increase to the Penalty Rate shown on the Disclosure ac -
companying this Agreement when you meet one or more 
of the conditions as set forth in the Disclosure. Any rate 
increases applied to your account are subject to applicable 
notice requirements. Please refer to the Disclosure for 
additional information regarding the Penalty Rate. 27 . NOTICE TO UTAH BORROWERS � This written agree -
ment is a final expression of the agreement between you 
and the Credit Union. This written agreement may not be 
contradicted by evidence of any oral agreement. 
28. THE FOLLOWING IS REQUIRED BY VERMONT LAW � 
NOTICE TO CO-SIGNER � YOUR SIGNATURE ON THIS 
NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR 
REPAYMENT OF THIS LOAN. IF THE BORROWER DOES 
NOT PAY,THE LENDER HAS A LEGAL RIGHT TO COL -
LECT FROM YOU. 
29. NOTICE TO ALABAMA BORROWERS �  
CAUTION: IT IS IMPORTANT THAT YOU THOROUGHLY 
READ THIS AGREEMENT BEFORE YOU SIGN IT . 
Y our Billing Rights: Keep this Document for Future Use 
This notice tells you about your rights and our responsi -
bilities under the Fair Credit Billing Act. 
What T o Do If Y ou Find A Mistake On Y our Statement 
If you think there is an error on your statement, write to us at:
 Westerra Credit Union  
3700 East Alameda Avenue  
Denver, CO 80209 
You may also contact us on the Web: www.westerracu.com
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. You must contact us: 
> Within 60 days after the error appeared on your state -
ment. 
> 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 [or electronically]. 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 Y our 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 why we believe the bill was 
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 delin -
quent 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. 
Y our Rights if Y ou Are Dissatisfied With Y our 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 [or electronical -
ly] at: Westerra Credit Union 3700 East Alameda Avenue 
Denver, CO 80209 www.westerracu.com 
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. 
SPECIAL RULE FOR CREDIT CARD PURCHASES � If you 
have a problem with the quality of property or services that 
you purchased with a 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 property 
or services. There are two (2) limitations on this right: 
> You must have made the purchase in your home state or, 
if not within your home state, within 100 miles of your 
current mailing address; and 
> The purchase price must have been more than $50.00. 
These limitations do not apply if we own or operate the mer -
chant, or if we mailed you the advertisement for the property 
or services. WESTERRA CREDIT UNION
3700 East Alameda Avenue � Denver, CO 80209
303-321-4209 � 800-858-7212 � Fax: 8608-1597
www.westerracu.comWESTERRA CREDIT UNION 
3700 East Alameda Avenue Denver, CO 80209  
303-321-4209 � 800-858-7212  
Fax: 866-208-1597 
www.westerracu.com
LOANLINER 
VISA CLASSIC AND VISA PLATINUM 
CONSUMER CREDIT CARD AGREEMENT 
In this Agreement, � Agreement� means this Consumer Credit 
Card Agreement. �Disclosure� means the Credit Card Ac -
count Opening Disclosure. The Account Opening Disclosure 
is incorporated into this Consumer Credit Card Agreement 
and is part of the Agreement. In this Agreement the words 
�you, � �your, � and �yours� mean each and all of those who 
agree to be bound by this Agreement; �card� means the Visa 
credit card and any duplicates, renewals, or substitutions the 
Credit Union issues to you; �account� means your Visa credit 
card line-of-credit account with the Credit Union; and �Credit 
Union� means the Credit Union whose name appears on this 
Agreement or anyone to whom the Credit Union transfers this 
Agreement. 
1. USING YOUR ACCOUNT �  If you are approved for an 
account, the Credit Union will establish a line of credit 
for you. You agree that your credit limit is the maximum 
amount (purchases, cash advances, finance charges, plus 
�other charges�) which you will have outstanding on your 
account at any time. Unless disclosed otherwise, the 
Credit Union will not allow advances over the credit limit. 
If the Credit Union has a program whereby it allows pay -
ment of advances that exceed your credit limit, subject 
to a fee, the Credit Union will provide you with notice, 
either orally, in writing, or electronically (notwithstanding 
the requirements of the paragraph entitled �Statements 
and Notices�) explaining your right to opt in to the Credit 
Union�s program whereby it will honor advance requests 
over the credit limit. In the event you opt in to such a pro -
gram, you agree to the terms of such a program. You may 
request an increase in your credit limit only by a method 
acceptable to the Credit Union. The Credit Union may 
increase or decrease your credit limit, refuse to make an 
advance and/or terminate your account at any time for 
any reason not prohibited by law. If you are permitted 
to obtain cash advances on your account, we may, from 
time to time, issue convenience checks to you that may 
be drawn on your account. Convenience checks may not 
be used to make a payment on your account balance. If 
you use a convenience check, it will be posted to your 
account as a cash advance. We reserve the right to refuse 
to pay a convenience check drawn on your account for 
any reason and such refusal shall not constitute wrongful 
dishonor. You may request that we stop the payment of 
a convenience check drawn on your account. You agree 
to pay any fee imposed to stop a payment on a conve -
nience check issued on your account. You may make a 
stop payment request orally, if permitted, or in writing. 
Your request must be made with sufficient time in 
advance of the presentment of the check for payment to 
give us a reasonable opportunity to act on your request. purchases and cash advances. If the credit balance 
amount is $1 .00 or more, it will be refunded upon your 
written request or automatically after six (6) months. 
17 . ADDITIONAL BENEFITS/CARD ENHANCEMENTS �  
The Credit Union may from time to time offer additional 
services to your account, such as travel accident insur -
ance, at no additional cost to you. You understand that the 
Credit Union is not obligated to offer such services and 
may withdraw or change them at any time. 
18. MERCHANT DISPUTES �  The Credit Union is not 
responsible for the refusal of any merchant or financial in -
stitution to honor your card. The Credit Union is subject to 
claims and defenses (other than tort claims) arising out of 
goods or services you purchase with the card if you have 
made a good faith attempt but have been unable to obtain 
satisfaction from the merchant or service provider, and (a) 
your purchase was made in response to an advertisement 
the Credit Union sent or participated in sending to you; or 
(b) your purchase cost more than $50.00 and was made in 
your state or within 100 miles of your home. 
19. JOINT ACCOUNTS �  If this is a joint account, each of 
you 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 you individually 
to repay the entire amount owed under this Agreement. 
Each of you authorizes the other(s) to make purchases or 
cash advances individually. Any one of you may terminate 
the account and the termination will be effective as to all 
of you. 
20. EFFECT OF AGREEMENT �  This Agreement is the 
contract which applies to all transactions on your account 
even though the sales, cash advances, credit or other 
slips you sign or receive may contain different terms. 
21. NO WAIVER � The Credit Union can delay enforcing any 
of its rights any number of times without losing them. 
22.STATEMENTS AND NOTICES �  Statements and notices 
will be mailed to you at the appropriate address you have 
given the Credit Union. Notice sent to any one of you will 
be considered notice to all. 
23. SEVERABILITY AND FINAL EXPRESSION �  This 
Agreement and the Disclosure are the final expression 
of the terms and conditions of your account. This written 
Agreement and Disclosure may not be contradicted by 
evidence of any alleged oral agreement. Should any part 
of this Agreement or the Disclosure be found to be invalid 
or unenforceable, all other parts of this Agreement and 
Disclosure shall remain in effect and fully enforceable to 
the fullest extent possible under this Agreement. 
24. COPY RECEIVED �  You acknowledge that you have 
received a copy of this Agreement and Disclosure. 
25. GAMBLING TRANSACTIONS PROHIBITED �  You may 
not use your card to initiate any type of gambling transac -
tion. 
26. PENALTY RATE DISCLOSURES �  If applicable to your 
account, all rates for your account, including the rates 
for purchases, cash advances, and balance transfers, will 
increase to the Penalty Rate shown on the Disclosure ac -
companying this Agreement when you meet one or more 
of the conditions as set forth in the Disclosure. Any rate 
increases applied to your account are subject to applicable 
notice requirements. Please refer to the Disclosure for 
additional information regarding the Penalty Rate. 27 . NOTICE TO UTAH BORROWERS � This written agree -
ment is a final expression of the agreement between you 
and the Credit Union. This written agreement may not be 
contradicted by evidence of any oral agreement. 
28. THE FOLLOWING IS REQUIRED BY VERMONT LAW � 
NOTICE TO CO-SIGNER � YOUR SIGNATURE ON THIS 
NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR 
REPAYMENT OF THIS LOAN. IF THE BORROWER DOES 
NOT PAY,THE LENDER HAS A LEGAL RIGHT TO COL -
LECT FROM YOU. 
29. NOTICE TO ALABAMA BORROWERS �  
CAUTION: IT IS IMPORTANT THAT YOU THOROUGHLY 
READ THIS AGREEMENT BEFORE YOU SIGN IT . 
Y our Billing Rights: Keep this Document for Future Use 
This notice tells you about your rights and our responsi -
bilities under the Fair Credit Billing Act. 
What T o Do If Y ou Find A Mistake On Y our Statement 
If you think there is an error on your statement, write to us at:
 Westerra Credit Union  
3700 East Alameda Avenue  
Denver, CO 80209 
You may also contact us on the Web: www.westerracu.com
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. You must contact us: 
> Within 60 days after the error appeared on your state -
ment. 
> 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 [or electronically]. 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 Y our 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 why we believe the bill was 
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 delin -
quent 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. 
Y our Rights if Y ou Are Dissatisfied With Y our 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 [or electronical -
ly] at: Westerra Credit Union 3700 East Alameda Avenue 
Denver, CO 80209 www.westerracu.com 
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. 
SPECIAL RULE FOR CREDIT CARD PURCHASES � If you 
have a problem with the quality of property or services that 
you purchased with a 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 property 
or services. There are two (2) limitations on this right: 
> You must have made the purchase in your home state or, 
if not within your home state, within 100 miles of your 
current mailing address; and 
> The purchase price must have been more than $50.00. 
These limitations do not apply if we own or operate the mer -
chant, or if we mailed you the advertisement for the property 
or services. WESTERRA CREDIT UNION
3700 East Alameda Avenue � Denver, CO 80209
303-321-4209 � 800-858-7212 � Fax: 866-208-1597
www.westerracu.com
I003206  7/1/201011/2010 In addition, your request must accurately describe the check including the exact account number, the payee, any check number that may be applicable, and the exact amount of the check. If permitted, you may make a stop payment request orally but such a request will expire after 14 days unless you confirm your request in writing within that time. Written stop payment orders are effective only for six (6) months and may be renewed for additional six month periods by requesting in writing that the stop payment order be renewed. We are not required to notify you when a stop payment order expires. If we re-credit your account after paying a check or draft over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the payee, to assign to us all of your rights against the payee or other holders of the check or draft and to assist us in any legal action. You agree to indemnify and hold us harmless from all costs and ex - penses, including attorney�s fees, damages, or claims, related to our honoring your stop payment request or in failing to stop payment of an item as a result of incorrect information provided to us or the giving of inadequate time to act upon a stop payment request.2. USING YOUR CARD � You understand that the useof your credit card will constitute acknowledgement of receipt and agreement to the terms of the Credit Card Agreement and Credit Card Account Opening Disclosure (Disclosure). You may use your card to make purchases from merchants and others who ac - cept your card. The Credit Union is not responsible for the refusal of any merchant or financial institution to honor your card. If you wish to pay for goods or ser - vices over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. In addition, you may obtain cash advances from the Credit Union, from other financial institutions that accept your card, and from some automated teller machines (ATMs). (Not all ATMs accept your card.) If the Credit Union authorizes ATM transactions with your card, it will issue you a personal identification number (PIN). To obtain cash advances from an ATM, you must use the PIN issued to you for use with your card. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Even if you use your card for an illegal transaction, you will be responsible for all amounts and charges incurred in connection with the transaction. If you are permitted to obtain cash advances on your account, you may also use your card to purchase instruments and engage in transactions that we consider the equivalent of cash. Such transactions will be posted to your account as cash advances and include, but are not limited to, wire transfers, money orders, bets, lottery tickets, and casino gaming chips. This paragraph shall not be in - terpreted as permitting or authorizing any transaction that is illegal.3. PROMISE TO PAY � You promise to pay all charges(purchases, cash advances, balance transfers, use of convenience checks or any other charge) made to your account by you or anyone you authorize to use your ac - count. You also promise to pay all finance charges and other charges added to your account under the terms of this Agreement or another agreement you made with the Credit Union. If this is a joint account, the paragraph on JOINT ACCOUNTS also applies to your account.4. PERIODIC RATES � The periodic rates applicable topurchases, cash advances, and balance transfers are disclosed on the Disclosure that accompanies this Agreement. Any penalty rate that may be imposed forfailing to make a payment by the payment due date is also disclosed on the Disclosure. Any rate change will be made pursuant to applicable law. If the rate for your account is variable, as indicated on the accom - panying Disclosure, the rate charged on purchases, cash advances, balance transfers and any penalty rate will vary periodically as disclosed in the Disclosure accompanying this Agreement. The initial rate on your account for certain types of transactions may be an introductory discounted rate (Introductory Rate) that is lower than the rate that would ordinarily apply for that type of transaction. If an Introductory Rate applies to your account, the rates and the period of time it will be effective is shown on the Disclosure accompanyingthis Agreement. After the Introductory Rate period expires, the periodic rate will automatically increase to the rates that would ordinarily apply for that type of transaction based on the terms of this Agreement.5. FINANCE CHARGES � New purchases posted to your account during a billing cycle will not incur a finance  charge for that billing cycle. Finance charge begins to  accrue on those purchases from the first day of the   next billing cycle, unless you paid the entire new balance on the previous cycle�s billing statement  by the payment due date of that statement. To avoid  an additional finance charge on the balance of pur  chases, you must pay the entire new balance on the  billing statement by the payment due date of that statement. A finance charge begins to accrue on cash  advances from the date you get the cash advance or from the first day of the billing cycle in which the cash  advance is posted to your account, whichever is later.The finance charge is calculated separately for purchases and cash advances. For purchases, the finance charge is computed by applying the periodic rate to the average daily balance of purchases. To get the average daily balance of purchases, we take the beginning outstanding balance of purchases each day and subtract any payments and/or credits that we apply to the purchase balance. (We do not add in any purchases posted during the billing cycle.) This gives us the daily balance of purchases.Then, we add all the daily balances of purchases for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the average daily balance of purchases. For cash advances, the finance charge is computed by applying the periodic rate to the average daily balance of cash advances. To get the average daily balance of cash advances, we take the beginning outstanding balance of cash advances each day, add in any new cash advances, and subtract any payments and/or credits that we apply to the cash advance balance. This gives us the daily balance of cash advances. Then, we add all the daily balances of cash advances for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the average daily balance of cash advances. Balance transfers are calculated in the same manner as cash advances.6. FOREIGN TRANSACTIONS � Purchases and cash advances made in foreign currencies will be debited from your account in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing international transac tions is a rate selected by Visa from a range of rates  available in wholesale currency markets for the ap  plicable central processing date, which rate may vary  from the rate Visa itself receives or the government- mandated rate in effect for the applicable central pro cessing date. The exchange rate used on theprocessing date may differ from the rate that would have been used on the purchase date or cardholder statement posting date. A fee (finance charge), calcu - lated in U.S. dollars, will be imposed on all multiple currency foreign transactions, including purchases, cash advances and credits to your account. A fee (finance charge), calculated in U.S. dollars, will be imposed on all single currency foreign transactions, including purchases, cash advances and credits to your account. A foreign transaction is any transaction that you complete or a merchant completes on your card outside of the United States, with the exception of U.S. military bases, U.S. territories, U.S. embassies or U.S. consulates. The Foreign Transaction Fee is set forth on the Disclosure accompanying this Agreement.7. FEES � In addition to the periodic rate, the followingadditional fees may be imposed on your account. If applicable to your account, the fee amounts and explanations are disclosed on the Disclosure ac-companying this Agreement. Your account may also be subject to additional fees as set forth on the Disclosure accompanying this Agreement. a. Card Replacement Fee. If your account is subject to the Card Replacement Fee, a fee will be added toyour account for each replacement card that is issued to you for any reason.b. Cash Advance Fee (Finance Charge). If your account is subject to a Cash Advance Fee (finance charge), the fee will be added to your account when you obtain a cash advance from an ATM, the Credit Union or other financial institution.c. Foreign Transaction Fee (Finance Charge). If your account is subject to a Foreign Transaction Fee (finance charge), a fee may be added to your account for transactions made outside of the United States or in a foreign currency. Transactions made in a foreign currency using a Visa branded card or processed by a network operated or affiliated with Visa will be subject to a fee as set forth on the Disclosure accompanying this Agreement.d. Late Payment Fee. If your account is subject to a Late Payment Fee, the fee will be added to your ac - count when you do not make the required minimum payment by or within the number of days of the state - ment Payment Due Date set forth on the Disclosure accompanying this Agreement.e. Returned Payment Fee. If your account is subject to a Returned Payment Fee, the fee will be added to your account when a payment is returned to you for any reason.f. Rush Fee. If your account is subject to a Rush Fee, except as limited by applicable law, a fee may be added to your account for each rush card that you request, providing delivery of the card is also available by stan - dard mail service, without paying a fee for delivery.8. PAYMENTS � Each month you must pay at least theminimum payment shown on your statement by the date specified on the statement. You may pay more frequently, pay more than the minimum payment or pay the total new balance in full. If you make extra or larger payments, you are still required to make at least the minimum payment each month your account has a balance (other than a credit balance). For our Visa Classic, the minimum payment is 2.00% of your total new balance, or $25.00, whichever is greater, plus the amount of any prior minimum payments that you have not made, and any amount you are over your credit limit. For our Visa Platinum, the minimumpayment is 2.00% of your total new balance, or $25.00, whichever is greater, plus the amount of any prior minimum payments that you have not made, and any amount you are over your credit limit. In addition to the minimum payment, you must also pay, by the date specified above, the amount of any prior minimum payment(s) that you have not made, all outstanding unpaid fees and charges, and any amount you are over your credit limit. The Credit Union also has the right to demand immediate payment of any amount by which you are over your credit limit.9. PAYMENT ALLOCATION � Subject to applicablelaw, your payments may be applied to what you owe the Credit Union in any manner the Credit Union chooses. However, in every case, in the event you make a payment in excess of the required minimum periodic payment, the Credit Union will allocate the excess amount first to the balance with the highest annual percentage rate and any remaining portion to the other balances in descending order based on ap - plicable annual percentage rate.10. SECURITY INTEREST � You grant the Credit Uniona security interest under the Uniform Commercial Code and under any common law rights the Credit Union may have in any goods you purchase. If you give the Credit Union a specific pledge of shares by signing a separate pledge of shares, your pledged shares will secure your account. You may not with-draw amounts that have been specifically pledged to secure your account until the Credit Union agrees to release all or part of the pledged amount.Your Account is secured by all other shares you have in any individual or joint account with the Credit Union, except for shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law if given as security. These other shares may be with-drawn unless you are in default under this agree-ment.You authorize the Credit Union to apply the balance in your individual or joint share accounts to pay any amounts due on your Account if youshould default.Collateral securing other loans you have with the Credit Union may also secure this loan, except that a dwelling will never be considered as security for this account, notwithstanding anything to the contrary in any other agreement.11. DEFAULT � You will be in default if you fail tomake any minimum payment or other required payment by the date that it is due. You will be in default if you break any promise you make under this Agreement. You will be in default if you die, file for bankruptcy or become insolvent, that is, unable to pay your obligations when they become due. You will be in default if you make any false or misleading statements in any credit application or credit update. You will also be in default if something happens that the Credit Union believes may substantially reduce your ability to repay what you owe. When you are in default, the Credit Union has the right to demand immediate payment of your full ac-count balance without giving you notice. If immediate payment is demanded, you agree to continue paying finance charges at the periodic rate charged before default, until what you owe has been paid, and any shares that were given as security for your account may be applied towards what you owe.12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLENCARD NOTIFICATION � You agree to notify us im-mediately, orally or in writing, at 3700 East Alameda Avenue, Denver, CO 80209 or telephone (303) 321-4209 seven (7) days a week, 24 hours a day or (800) 858-7212 seven (7) days a week, 24 hours a day, of the loss, theft, or unauthorized use of your credit card. You may be liable for the unauthorized use of your credit card. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft, or possible unau-thorized use. You will have no liability for unauthorized purchases made with your credit card, unless you are grossly negligent in the handling of your card. In any case, your liability will not exceed $50.00.13. CHANGING OR TERMINATING YOUR ACCOUNT � As permitted by law, the Credit Union may change 
the terms of this Agreement and any attached Disclosure 
from time to time. Notice of any change will be given in accordance with applicable law. If permitted by law and specified in the notice to you, the change will apply to your existing account balance as well as to future transactions. Either you or the Credit Union may terminate this Agree - ment at any time, but termination by you or the Credit Union will not affect your obligation to pay the account balance plus any finance and other charges you owe 
under this Agreement. Your obligation to pay the account 
balance plus any finance and other charges you owe under this agreement are subject to all applicable laws and regulations regarding repayment requirements. You are also responsible for all transactions made to your account after termination, unless the transactions were unauthorized. The card or cards you receive remain the property of the Credit Union and you must recover and surrender to the Credit Union all cards upon request or upon termination of this Agreement whether by you or the Credit Union. If this is a joint account, the paragraph on JOINT ACCOUNTS of this Agreement also applies to termination of the account.14. CHANGING OR TERMINATING AUTHORIZED USERS �Upon your request, we may issue additional cards for authorized users that you designate. You must notify us in writing of any termination of an authorized user�s 
right to access your account. Your letter must include the 
name of the authorized user and your account number and/or any subaccount number issued to the authorized user along with the authorized user�s card and any con - venience or other access checks issued to the authorized user. If you cannot return the authorized user�s card or access checks and if you request your account to be 
closed, we will close your account and you may apply for 
a new account.15. CREDIT REVIEW AND RELEASE OF INFORMATION �You authorize the Credit Union to investigate your credit standing when opening or reviewing your account. You authorize the Credit Union to disclose information regarding your account to credit bureaus and creditors who inquire about your credit standing. If your account is eligible for emergency cash and/or emergency card 
replacement services, and you request such services, you 
agree that we may provide personal information about you and your account that is necessary to provide you with the requested service(s).16. RETURNS AND ADJUSTMENTS � Merchants and
others who honor your card may give credit for returns or 
adjustments, and they will do so by sending the Credit Union a credit which will be posted to your account. If your credits and payments exceed what you owe the Credit Union, the amount will be applied against future