DISCLOSURES  INDEX
TERMS AND CONDITIONS  .......................................................... 1
ATM/DEBIT CARD DISCLOSURE  .......................................... 2 - 3
CHECKING ACCOUNT DISCLOSURE  ........................................ 4
ELECTRONIC FUNDS TRANSFER ACT DISCLOSURE  ....... 5 - 6
ELECTRONIC �WHOLESALE CREDIT� TRANSACTIONS  ........... 7
PRIVACY POLICY  ................................................................... 8 - 9
ARBITRATION AGREEMENT, CLASS 
ACTION WAIVER, AND JURY TRIAL WAIVER  .......................... 10
TRUTH IN SAVINGS DISCLOSURE  ................................... 11 - 12
FUNDS TRANSFER NOTICE  ..................................................... 13
VISA VARIABLE RATE CONSUMER
CREDIT CARD DISCLOSURE  ............................................ 14 - 15
VISA VARIABLE RATE COMMERCIAL
CREDIT CARD DISCLOSURE  ............................................ 16 - 17
YOUR ABILITY TO WITHDRAW FUNDS
AT ROYAL CREDIT UNION  ........................................................ 18
FRAUD ALERTS PROGRAM  ...................................................... 19 TERMS AND CONDITIONS
Agreement  
These Disclosures, along with any other documents we give you pertaining to your 
account(s), is a contract that establishes rules which control your account(s) with us. Please 
read this information carefully and retain it for future reference. If you sign a signature 
card, membership agreement, or open or continue to use the account, you agree to these 
Disclosures. In these Disclosures, the words �you�, �your�, and �yours� mean anyone who 
signs a Membership Agreement or opens or continues to use an account and the words 
�we�, �our�, and �us� mean ROYAL CREDIT UNION, a Wisconsin chartered credit union 
(�ROYAL �).  Unless otherwise specified, in these Disclosures the word �account� means any 
one or more share or deposit accounts you have with Royal. 
Amendments  
Except as prohibited by applicable law, we may change, add to, or otherwise amend the 
terms of these Disclosures at any time. If required by law, we will provide you with advanced 
notice of such amendments. In all other cases, we will provide you with notice as we deem 
appropriate under the circumstances. Y ou agree that we may provide notice of amendments 
electronically if you have agreed to receive other communications and information from 
us electronically. If we have notified you of a change in any term of your account and your 
account remains open after the effective date of the change, you will be deemed to have 
agreed to the amended term(s). Notice from us to any one of you is notice to all of you. 
Arbitration Agreement, Class Action Waiver, and Jury Trial Waiver  
Please note that these Disclosures contain a binding Arbitration Agreement, Class Action 
Waiver, and Jury Trial Waiver provision which affects your rights with respect to any claims 
or disputes by or against Royal. Please closely review the Arbitration Agreement, Class 
Action Waiver, and Jury Trial Waiver section of these Disclosures. Y ou may opt out by 
following the specified process.
Credit Reports  
Y ou agree that we may pull a credit report to open an account, if you request a loan or 
loan increase, or by continuing to use your account. Y ou understand and agree we have 
the ability at any time to check your credit report and verify your employment in relation to 
any update, increase, renewal, extension, or collection on your account(s) or loan(s). Y ou 
authorize us to use any credit reports obtained to market or offer additional products or 
services to you and you specifically intend for your authorization to apply to current and 
future credit inquiries. Y ou understand and agree that your authorization will remain in effect 
until you provide written notice of your revocation to us. Upon request, we will give you the 
name and address of each agency from which we obtain a credit report regarding your 
account. We may report information about your loans or accounts to credit bureaus. Late 
payments, missed payments, or other defaults on your accounts may be reflected in your 
credit report.
Consent to Contact  
Y ou agree that we may contact you using your contact information listed in our records, 
including your email address(es) and telephone number(s). By providing phone number(s) 
to Royal (including any wireless, mobile, or VOIP number), you expressly consent to receive 
autodialed or prerecorded calls and text messages from Royal or any affiliates or agents 
performing services on our behalf. Y ou consent to receive calls or text messages: (i) to 
notify you in regards to any of your accounts; (ii) to provide you with credit or debit card 
transaction alerts; (iii) to collect a debt or other obligation; or (iv) as otherwise necessary to 
service your accounts, loans, or products.
Consent to Monitoring and Recording  
Y ou provide your express consent to our monitoring and recording of our conversations 
and other communications with you. Y our consent applies to our monitoring and recording 
of telephone conversations, electronic messages, electronic records, or other data 
transmissions between you and us regarding your account or other products or services 
offered by us. Y our consent applies regardless of whether you or we initiated the contact. 
Unless required by applicable law, you agree we can rely on your consent to monitor and 
record our communications provided herein and we are not obligated to notify you each 
time prior to our recording. We monitor and record conversations and communications for 
quality control, fraud prevention, and training purposes. 
Inactive Accounts and Unclaimed Property  
We have rules regarding inactive accounts and we may charge a fee, disclosed elsewhere, 
for inactive accounts. Additionally, the law establishes procedures under which unclaimed 
property must be surrendered to the state. Generally, the funds in your accounts are 
considered unclaimed if you have not had any activity or communication with us regarding 
your account over a period of years. Ask us if you want further information about the period 
of time or type of activity that will prevent your account from being unclaimed. If your funds 
are surrendered to the state, you may be able to reclaim them, but your claim must be 
presented to the state. Once your funds are surrendered, we no longer have any liability or 
responsibility with respect to the funds.
Nonmember Check Cashing  
If you issue a check drawn on your checking account and a nonmember of Royal seeks 
to cash the check, you agree that we may require the nonmember to provide appropriate 
physical and/or documentary identification as a condition of cashing the check. Y ou 
also agree that we may refuse to cash a check, even if it is properly payable and proper 
identification is provided, and such refusal shall not constitute wrongful dishonor of your 
check. Further, you agree we have the right to charge the nonmember, as a condition of 
cashing the check, a nonmember check cashing fee. Y ou understand and agree that a 
nonmember seeking to cash a check drawn on your account retains the ability to deposit 
the check with their own financial institution which would result in your check being 
presented to us through normal check processing channels.
- 1 - - 2 -ATM/DEBIT CARD DISCLOSURE
Use of your Card and/or Personal Identification Number (PIN) are governed by the 
Electronic Funds Transfer Act (EFT). The following terms and conditions also apply.
Y ou may use your ATM Card and PIN to:
1. Obtain balance information on your savings account at an automatic teller 
machine (ATM).
2. Withdraw cash from your savings account at an ATM.
3. Make deposits to your savings account at a PULSE or CO-OP Network ATM.
Y ou may use your ATM/Debit Card and PIN to:
1. Obtain balance information on your checking and savings account at an automatic
teller machine (ATM).
2. Withdraw cash from your checking or savings account at an ATM.
3. Make deposits to your checking or savings account at a PULSE or CO-OP Network
ATM.
4. Transfer funds between your linked checking and savings account at an ATM.
5. Obtain cash advances if you have a Kwik Cash line of credit available when your 
checking account is overdrawn. Cash advances will be deposited in increments of 
$100 into the checking account that is affected.
6. Pay for purchases from your one designated checking account at merchants that 
have agreed to accept the card and may request the PIN (POS transactions).
Y ou may use your Debit Card without your PIN to:
1. Pay for purchases from your checking account at places that display the Visa logo
or have agreed to accept the Debit Card.
2. Obtain a cash advance from your checking account at a financial institution that 
displays the Visa logo.
3. Fund recurring preauthorized payments. Y our Visa debit card also allows you 
to conduct transactions on the PULSE debit network, which will generally require 
you to enter your PIN. Some merchants are authorized to accept non-Visa debit 
transactions without requiring you to enter your PIN. If you choose to sign to authorize 
a debit transaction, the transaction will be routed as a Visa transaction. Provisions 
of your cardholder agreement that specifically relate to Visa transactions are 
inapplicable to non-Visa debit transactions.
Some of these services may not be available at all terminals. The time required to charge or 
credit your account after you use your card will depend on the location of the terminal and 
the type of transaction. Any transaction or cash advances may be subject to authorization 
by Royal Credit Union (Royal) or by a Visa authorization center.
Each time your card is properly used, you authorize Royal to debit or credit (whichever is 
appropriate) your account for the total amount shown on any sales draft, receipt, or credit 
voucher originated by use of the card whether or not it is signed by you. Royal is permitted 
to handle such sales drafts, orders, and vouchers in the same way it handles authorized 
checks drawn on your account.
If you give your card number to a merchant to have on file, or for a recurring payment, 
we may send account updates to that merchant. This includes, but is not limited to: new 
expiration dates and new account/card numbers. If you wish to not have us send updates, 
you may request us to not do so. Telephoning is the best way of doing this. Call us at 715-
833-8111 or 1-800-341-9911. If you cannot notify us by phone, you may notify Royal in 
person, or by writing us at:
Debit Card Department
Royal Credit Union
PO Box 970
Eau Claire, WI 54702-0970
Deposits Made Through an ATM:
Royal�s policy is to make available immediately up to $225 of your total funds deposited 
daily through a terminal. The remaining funds will become available in compliance with 
regulatory requirements. The balance of your deposited funds generally will be available the 
beginning of the second business day following the day of deposit.
After we have made funds available to you and you have withdrawn the funds, you are still 
responsible for checks you deposit that are returned to us unpaid for any reason.
For determining the availability of your deposits made through a terminal, every day is 
a business day except Saturdays, Sundays, and federal holidays. If you make a deposit 
through a terminal before 2:30 pm on a business day that we are open, we will consider that 
day to be the day of your deposit. If you make a deposit through a terminal after 2:30 pm or 
on a day we are not open, we consider that the deposit was made on the next business day 
we are open.
Longer Delays May Apply:
Funds you deposit by check may be delayed for a longer period under the following 
circumstances:
1. We believe a check you deposit will not be paid;
2. Y ou redeposit a check that has been returned unpaid;
3. Y ou have overdrawn on your account repeatedly in the last six months;
4. There is an emergency, such as failure of communications or computer equipment;  
5. Y ou�re a new member and your account has been open less than 30 days; or  
6. Y ou deposit checks totaling more than $5,525 on any one day.
We will notify you if we delay your ability to withdraw funds for any of these reasons, and we 
will tell you when the funds will be available. The funds will generally be available no later 
than nine (9) business days after the day of your deposit. 
All checks that Royal has authorized through a terminal for deposit or payment are credited 
subject to collection, and the credit will be reversed if the check is not paid. All cash 
deposits are received subject to verification by Royal. If the reversal to a deposit overdraws 
the account, Royal may charge all or part of the deficiency to any other account at Royal of 
any Member authorized to use t he card, and the Member shall pay to Royal any deficiency 
that cannot be paid out of such accounts.
Fees:  
When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used and you may be charged a fee for a balance inquiry even if you do 
not complete a fund transfer. Y ou understand and agree that the ATM operator or network 
may charge you multiple fees for multiple transactions (for example, a fee for a balance 
inquiry and a fee for a withdrawal) during the same ATM session.  (See �Service Fees� 
Disclosure)
Foreign Transactions:
If your card is used to initiate a cross border transaction or to purchase goods or services 
from a foreign merchant (an �international transaction�), the transaction amount may be 
converted to US dollars using the exchange rate selected by Visa or Mastercard/Cirrus 
from the range of rates available in wholesale currency markets for the applicable central 
processing date, which rate may vary from the rate Visa or Mastercard/Cirrus itself receives, 
or the government-mandated rate in effect for the applicable central processing date. The 
date of the conversion may differ from the transaction date and the posting date identified 
in the monthly statement for your account. An international transaction is any transaction 
that you complete or a merchant completes on your card outside of the United States, 
and includes internet transactions made in the United States but with a merchant who 
processes the transaction in a foreign country. All international transactions are charged up 
to two percent (2%) for the Visa International Service Assessment Fee or Mastercard Cross 
Border fee. See �Service Fees� Disclosure for specific fee information.
Limitation on Use of Card:
1. Y ou must maintain a Checking Account at Royal to be eligible for a Debit Card.
2. Y ou may not:
A) Request any transaction at a terminal if you know or are informed at the 
terminal or by a clerk that a terminal is malfunctioning or not operating.
B) Attempt any transaction at an ATM or POS terminal without the use of your 
Card and correct PIN.
C) Attempt to initiate any transaction in connection with an account that has been 
closed by you or Royal that is subject to legal process or other encumbrance.
D) Request a withdrawal or transfer of funds from an account:
1) If the withdrawal or transfer would overdraw the account or if the 
withdrawal would exceed any line of credit or other funds available to your 
account;
2) In an amount in excess of any dollar limitations imposed by the terminal 
owner.
E) Deposit funds to an account at a PULSE or CO-OP Network ATM:
1) By means of anything other than transfer from another account, U.S. 
currency, or a completed negotiable instrument payable in U.S. dollars dated 
within six months prior to the date attempted deposit, drawn by, or properly 
endorsed by you and does not violate any restrictions on the instrument;
2) In a combined deposit amount greater than $10,000 or in an amount in 
excess of any dollar limitations imposed by the terminal owner, whichever is 
less.
F) Use your card for illegal transactions. Royal will terminate or withdraw any 
product or service if we become aware that you used it in an illegal manner or 
for an illegal transaction. Y ou agree to hold harmless and indemnify Royal and 
reimburse Royal for losses incurred as a result of using the card for any illegal 
transactions.
3. Cash refunds will not be made to you on purchases made with your Debit Card. 
If a merchant who honors your Debit Card gives you credit for merchandise returns or 
adjustments, the merchant will do so by applying a credit to your account and giving 
you a credit slip. Any claim or defense with respect to property or services purchased 
with your Debit Card must be handled by you directly with the merchant or other 
business establishment that accepts the Debit Card, and any such claim or defense 
that you assert will not relieve you of your obligation to pay the total amount of the 
sales draft plus any appropriate fees we may be authorized to make.
4. If any of your Royal accounts become overdrawn or past due, Royal may restrict 
your use of the card. If this action becomes permanent, you will be notified within 30 
days. Neither Royal nor the terminal owner is liable to you if the transaction is not 
completed and you have violated any of these rules.
5. Right to Stop Payment: Y ou may stop payment of a preauthorized recurring 
electronic fund transfer authorized with your Debit Card. To place a stop payment, call 
Royal�s Member Service Department at 715-833-8111 or 1-800-341-9911; or write 
us at PO Box 970, Eau Claire, Wisconsin, 54702-0970 in time for us to receive your 
request three business days or more before the payment is scheduled to be made. If 
you call, we may also require you to put your request in writing within 14 days after 
your call. One-time only electronic fund transfers are not eligible for stop payment.  
Limitations on Royal�s Responsibilities:
The terminals, the PULSE or CO-OP Network, and any other system containing terminals 
at which the card may be used are available for your convenience and except to the 
extent provided in Section 910 of the Electronic Funds Transfer Act, Royal is not liable for 
the unavailability for failure to operate of all or any part of any system. Except for its own 
negligence, Royal is not liable for any personal injury or tangible property damage suffered 
or incurred by you through use or attempted use of the card at any terminal. Royal is not 
responsible for the refusal of any merchant or terminal to honor the card.
The card and PIN are provided solely for your use and convenience. If you furnish your 
card or PIN to another person, you shall be deemed to have authorized all transactions that 
may be accomplished using the card or PIN until you have given actual notice to Royal that 
further transactions are unauthorized. Y ou shall be obligated to pay Royal the amount of any 
money, property, or services obtained by the authorized use of the card or PIN to the extent 
that Royal is unable to charge such amounts to the account, and you hereby authorize 
Royal to charge the amount of any such obligation to any other of your accounts at Royal. 
Y ou understand that Royal does not encourage the use of your card and/or PIN by people 
who are not joint on your account. If you allow another person to use your card and/or PIN 
but do not tell us, Royal will treat all transactions made by that person as if the transactions 
were made by an authorized user. It is your responsibility to control or terminate the use 
of your Card and/or PIN by such persons, and you will remain liable for any and all use  - 3 -ATM/DEBIT CARD DISCLOSURE (CONT.)
by such persons. The card remains the property of Royal and shall be surrendered upon 
request. Royal may terminate your privilege of using of the Card and may withhold approval 
of any transaction at any time. Termination of privileges shall not affect your rights and 
obligations for transactions made with the card before your privileges were terminated.
Y ou shall at all times:
 1. Safely keep Card and PIN and not permit anyone else to use them;
 2. Not record the PIN on or near the card or otherwise disclose or make it available
to anyone else;
 3. Use the card, PIN, and terminals only as instructed and only for purposes 
authorized by Royal;
 4. Immediately  report to Royal any loss, theft, disappearance, or known or 
suspected unauthorized use of the card or any disclosure of the PIN. Immediate 
notification will limit your liability for unauthorized use as provided for in Royal�s 
Electronic Funds Transfer Act Disclosure. Telephoning us is the best way of doing this. 
Call us at 715-833-8111 or 1-800-341-9911. If you cannot notify us by phone, you may 
notify Royal in person, email member_services@rcu.org, or by writing us at:
Debit Card Department  
Royal Credit Union  
PO Box 970  
Eau Claire, WI 54702-0970
Liability for Unauthorized Use:
If you keep your Personal Identification Number (PIN) on, with, or near your card, or in a 
location accessible to others, you will be liable for any unauthorized use of the card and/or 
PIN up to the maximum amount allowed by law.Agreement with Rules
Your retention of, signature on, or use of the card constitutes your agreement to 
comply with these rules as amended from time to time. This agreement and your use 
of the card will be governed by the laws of the State of Wisconsin. CHECKING ACCOUNT DISCLOSURE
at a branch or ATM. This includes but is not limited to transactions by means 
of online banking/business online banking, CompuTeller, check, preauthorized 
payments to a third party, telephoning Member Service, or by automatic transfer 
due to insufficient funds. If you exceed these limitations; any attempted Regulation 
D transaction after the sixth will be rejected and your account can be closed.
Kwik Cash Line of Credit Loans:  Transfers will be made in increments of $100 
into the checking account in an attempt to cover the overdraft.  Transfers will be 
made until the Kwik Cash Line of Credit has no remaining limit or the overdraft is 
paid.  Advances from Kwik Cash to cover overdrafts may not be made if any loan 
made by Royal to the account holder is past due.  Contact Royal to apply for a 
Kwik Cash line of credit loan in order to link to your checking account.  
2.Courtesy Pay is a service qualified checking accounts are automatically enrolled in 
subject to the following limitations.  The account must be open for 45 days before it will 
be considered eligible to qualify for a limit.  Health Savings (HSA) Checking, Money 
Market, IOLTA and IBRETA accounts are excluded from Courtesy Pay.  Courtesy Pay 
may cover transactions that exceed the checking account�s available balance, up 
to an approved limit based on pre-determined account and Member qualifications.  
The account�s Courtesy Pay limit may change at any time and the account can be 
removed from the Courtesy Pay program at any time without notice to you.  A fee 
will be deducted for each check or preauthorized debit transaction that is cleared 
due to Courtesy Pay.  Royal is not obligated to pay any transactions that exceed the 
account�s available balance  at any time. With  this  service, Royal would authorize and 
pay transactions that exceed the account�s available balance resulting in an overdraft. 
Royal will pay overdrafts at our discretion, which means we do not guarantee that 
we will always authorize and pay any type of transaction.  If we do not authorize and 
pay an overdraft, your transaction will be declined and/or your account will result in a 
negative balance.  This service does not cover debit card transactions. There are limits 
to the coverage and there are fees associated with the usage of this service. Please 
refer to the �Service Fees� Disclosure for more information.  Y ou can opt out of this 
service anytime by contacting Royal*.  Refer to Royal�s Service Fees Disclosure for 
specific fee information.  There is no limit per day/per transaction on the total of fees 
we can charge for overdrawing your account. 
3. Debit Card Coverage is a service that you can choose to opt in for by contacting  
Royal*.  Royal will pay overdrafts at our discretion, which means we do not guarantee 
that we will always authorize and pay any type of transaction.  If we do not authorize 
and pay an overdraft, your transaction will be declined and/or your account will result 
in a negative balance. Even after opting into this service you may opt out anytime 
by contacting Royal*.  Refer to Royal�s Service Fees Disclosure for specific fee 
information.  There is no limit per day/per transaction on the total of fees we can 
charge for overdrawing your account. 
*Contact Royal�s Member Service Center at 800-341-9911, visit any Royal office, 
or for Debit Card Coverage utilize online banking under Self Service>Debit Card 
Coverage. 
If sufficient available funds are still not available, the check, Debit Card transaction, 
or preauthorized debit will be returned non-sufficient funds (NSF). An NSF fee will 
be deducted from your account for each occurrence where a check, Debit Card 
transaction, or preauthorized debit is returned NSF . * Please refer to the Non-Sufficient 
Funds Fee paragraph below for additional information on the potential for multiple 
NSF fees as a result of a transaction being returned multiple times. ACH debits are 
cleared or returned the same day they attempt to post to the account. Royal may close 
a Checking Account if that Checking Account is charged with an excessive number 
of NSF�s. Royal cannot honor any check, Debit Card, or preauthorized debit on an 
account that has been closed.  
Non-Sufficient Funds (�NSF�) Fee  
Y ou agree that we may charge a Non-Sufficient Funds (NSF) fee for returning or rejecting 
transactions presented against your account that would exceed the available balance in 
your account. Y ou further agree that we may charge an NSF fee each time a transaction is 
presented or submitted for payment even if the same transaction is presented for payment 
multiple times. For example, if you wrote a check to a merchant (or other individual or 
entity) who submitted the check to us for payment and we returned the check (resulting in 
an NSF fee), the merchant may re-present the check for payment again (or may convert 
the check into an ACH debit and submit the transaction for payment). If the second and 
any subsequent presentments or submissions are returned unpaid, we may charge a fee 
for each time we return the transaction. Y ou understand this means you could be charged 
multiple fees for one check that you wrote as that check could be presented (including 
as an ACH debit) and returned more than once. Similarly, if you authorize a merchant (or 
other individual or entity) to electronically debit your account, such as an ACH debit, you 
understand there could be multiple submissions of the electronic request which could result 
in multiple fees. Y ou agree that Royal does not determine whether and when a transaction 
will be presented for payment. Rather, Royal determines whether or not the available 
balance is sufficient to pay a presented or submitted transaction.  See �Service Fees� 
Disclosure for specific fee information.
KWIK CASH PAYMENT METHOD OPTIONS
If and when you use the overdraft protection with your Kwik Cash Loan, you may choose to 
make the payments by one of the following methods:
1. Transfer From Checking or Savings: The monthly payment will be made by 
transferring money from your Checking or Savings Account to your Kwik Cash Loan.
2. Payroll Payment: The monthly payment will be made on your Kwik Cash Loan by 
Payroll Deduction. A Payroll Deduction card must be completed and signed.
3. Over the Counter Payment : The monthly payment will be made on your Kwik Cash 
Loan over-the-counter by you and by the due date set up for the loan at the time you 
use the service.TERMS AND CONDITIONS REGARDING YOUR CHECKING ACCOUNT
SMART CHECKING
1. No monthly service fee.
2. No per item fee.
SMART CHECKING PLUS
1. $700 minimum balance.
2. No per item fee.
3. Monthly fee* if balance falls below $700 at any time during the month.
SMART START CHECKING
1. No monthly service fee.
2. No per item fee.
HEALTH SAVINGS ACCOUNT (HSA) CHECKING
1. Dividends are calculated daily, compounded and paid monthly. The dividend rate is 
effective at the beginning of each month.  
Balancing your Checking Account:
1. If you are not familiar with balancing Checking Accounts, a Royal Financial Service
Representative will show you how to balance your accounts at no charge to you; or
2. If you should have problems balancing your Checking Account, Royal will 
balance it for you. Y ou must furnish Royal with a balanced statement from within the 
last three statement periods. Use the form provided by Royal for balancing and use 
the completed form to show us you actually did have the account in balance.
*See �Service Fees� Disclosure
Post-dated checks:
Under no circumstances will Royal be liable for the payment or nonpayment of a 
post-dated check.
Statements:
While you have a Checking Account with Royal, statements will be mailed to you on a 
monthly basis unless you choose electronic statements. 
Cost of printing checks:
Check the �Service Fees� Disclosure for current prices.
Inactive accounts:
Though a Member must maintain a minimum of $5 in their savings account to be a Member 
in good standing, we will assess a monthly fee to Members age 18+ with a checking 
account of $25 or less, inactive for six months or more, and with no other active services on 
that account. See �Service Fees� Disclosure for current fees.
Please note that if your Checking Account has a ZERO balance and no activity for SIX 
months, Royal will automatically close the account.
Overdrafts and Overdraft Services
An overdraft occurs when you do not have enough money in your account to cover a 
transaction based on your available balance.  Available Balance  is funds in the account 
that have not been authorized for another transaction previously.  Your available 
balance can decrease due to debit card transactions, ACH items, checks, or any other 
transaction authorized, but not yet cleared.
Y our account has two kinds of balances: the current balance and the available balance. We 
use the available balance to determine whether a transaction will overdraw your account, 
be returned, or be declined and for determining when an overdraft fee or NSF fee will be 
imposed. Y our current balance reflects transactions that have been posted to your account 
but not transactions that have been authorized and are pending. Y our available balance 
represents your current balance minus any holds on your account, such as debit card 
transactions that have been authorized but are pending final settlement or holds for checks 
you have deposited. Y ou are responsible for ensuring your available balance is sufficient to 
cover all of your transactions. Y ou can review your current and available balances when you 
review your account online, at an ATM, by phone, by mobile app, or at a branch.
We may determine the amount of available funds in your account for the purpose of 
deciding whether to pay an overdraft or return a transaction at any time between the time 
we receive the transaction and when we pay or return the transaction. We need only make 
one determination, but if we choose to make a subsequent determination, the available 
balance at the subsequent time will determine whether there are sufficient available funds. 
This is important as certain transactions, including signature debit card transactions, may 
be authorized for payment (via an authorization hold); however, those transactions may 
still result in an overdraft if the transaction exceeds the account�s available balance when 
the transaction posts to the account. The fact that an authorization hold was placed on 
your available balance does not mean the funds are set aside and made available to pay 
the specific transaction authorized. Rather, the hold is simply a reduction in your available 
balance based on the fact that we have authorized a transaction and, thus, are obligated to 
pay the transaction when posted.
Royal may cover your overdrafts in the following ways:
1. Overdraft Protection  is a share account and/or a Kwik Cash line of credit loan 
that you have elected to link to your checking account to have those available funds 
automatically transferred in the event of an overdraft in the checking account.  These 
are elected to occur in the order you have directed to Royal.  
Share Accounts:  Transfers will be made in increments of $100 into the checking 
account in an attempt to cover the overdraft.  Transfers will be made until the 
Share Account(s) have no available funds remaining or the overdraft is paid. 
Remember, a balance of $5 is required in the Primary Savings Account in order 
to keep your account open. The required $5 minimum balance in the Primary 
Savings Account cannot be used to pay checks, Debit Card transactions, 
withdrawals from an ATM, or any other preauthorized debit.  Contact Royal to link 
a share account(s) to your checking account. In compliance with Regulation D 
of the Federal Reserve Board, you are limited to six transactions per month from 
each of your savings or Money Market accounts without your physical presence 
- 4 - - 5 -ELECTRONIC FUNDS TRANSFER ACT DISCLOSURE - FOR CONSUMER ACCOUNTS ONLY
To our non-business Members who have or may authorize Electronic Fund Transfers 
(EFTs):
The Electronic Fund Transfer Act and Regulations require that we disclose pertinent 
information to you about EFT�s to or from your account. By EFT�s we mean preauthorized 
transactions to and from your account with us or by means of your Debit Card, ATM Card, 
Bill Pay/Business Bill Pay, ACH, Electronic Check Conversion, CompuTeller, or online 
banking/business online banking.
If an EFT overdraws your account, you will be notified and will agree to make immediate 
payment to Royal of the amount of any such overdrafts together with any service fees Royal 
may impose. Also, whenever your account is overdrawn, we have the right to return, unpaid, 
any checks or other orders on your account that are presented to Royal and to assess 
a service fee each time for making such returns. If your account has a Kwik Cash Loan 
associated with it, the terms and conditions contained in your Kwik Cash Loan Agreement 
(or other applicable agreement) will control, with respect to overdrafts of your account 
regardless of whether they result from purchases, cash withdrawals, use of checks, or any 
EFT.
These rules constitute an addition to all other agreements and regulations of Royal 
governing accounts, which are accessible by EFT�s or indebtedness on which payments 
may be made by use of EFT�s. Any account directly or indirectly accessible with a PIN 
(Personal Identification Number) or card will remain subject to the fees provided for in 
the separate agreement or regulations covering that account. Royal reserves the right to 
change the terms and conditions at a future date after giving you 21 days notice of such 
change.
These rules may be amended by Royal at any time, and, subject to compliance with any 
applicable requirement of law concerning notice, such amendment shall be effective upon 
mailing or emailing by Royal of a copy of such amendment to Member at the address to 
which Member�s statements are sent.  
 
I. DISCLOSURES APPLICABLE TO ALL TYPES OF EFT SERVICES
 A. Business Day Disclosure:  Royal�s business days are Monday through Friday. 
Holidays are not included.
B. Periodic Statements:  Y ou will get a monthly statement unless there are no 
transactions in a particular month. In any case you will get a statement at least 
quarterly.
C. Account Information Disclosure:  We will disclose information to third parties
about your account or the transfers you make:
1. Where it is necessary for completing transfers or;
2. In order to verify the existence and condition of your account for a third party, 
such as, a credit bureau or;
3. In order to comply with government agency or court orders or whenever 
required by law or;
4. If you give us your written permission.
D. Liability for Failure to Make Transfers:  If we do not complete a transfer to or 
from your account on time or in the correct amount according to our agreement 
with you, we will be liable for your losses or damages. However, there are some 
exceptions. We will not be liable, for instance:
1. If, through no fault of ours, the available balance in your account is insufficient to 
make the transfer;
2. If your funds are subject to legal process or other encumbrance restricting 
such transfers;
3. If the transfer would go over the credit limit on your Visa or Kwik Cash line of 
credit;
4. If the system was not working properly and you knew about the breakdown 
when you started the transfer;
5. If the transfer would be restricted by applicable law or regulation; 
6. If circumstances beyond our control (such as fire or flood) prevent the 
transfer, despite reasonable precautions that we have taken. There may be other 
exceptions stated in our agreement with you.
E. Multiple Party Accounts:  Each Member, who is a party to an account that is a 
joint account, hereby appoints each other Member, who is a party to such account, 
as Member�s attorney with power to appoint one or more agents with power to use 
the PIN or card or make transfers to or from such account. Each Member shall 
indemnify Royal for any tax it may be required to pay under state statutes by reason 
of withdrawals or payments from the account, after the death of a Member, to any 
person, or to the survivor in the case of a joint account.
F. If You Furnish Your Card, Password, or PIN to Another Person: Y ou shall be 
deemed to have authorized all transactions, which may be accomplished using the 
card, password or PIN until you have given actual written notice to Royal that further 
transactions are unauthorized. Y ou shall be obligated to pay Royal the amount of any 
money, property, or services obtained by the authorized use of the card, password, 
or PIN to the extent that Royal is unable to fee such amounts to the account; and you 
hereby authorize Royal to fee the amount of any such obligation to any other of your 
accounts at Royal.
G. Error Resolution Procedures:  In case of errors or questions about your EFT: 
Telephone Royal at 715-833-8111 or 1-800-341-9911; or write us at, PO Box 970, 
Eau Claire, Wisconsin, 54702-0970; or email member_services@rcu.org as soon 
as you can, if you think your statement or receipt is wrong or if you need more 
information about a transfer listed on the statement or receipt. We must hear from you 
no later than 60 calendar days after you receive the FIRST statement on which the 
problem or error appeared.
1. Tell us your name, account number, and confirmation number (if any).
2. Describe the error or the transfer you are unsure about, and explain as clearly
as you can why you believe it is an error or why you need more information.
3. Tell us the dollar amount of the suspected error.
If you tell us orally, we require that you send us your concern or question in writing 
within 10 business days.We will tell you the results of our investigation within 10 business days after we hear 
from you and will correct any error promptly. If we need more time, however, we may 
take up to 45 days to investigate your concern or question. If we decide to do this, 
we will provisionally credit your account within 10 business days for the amount you 
think is in error, so that you will have the use of the money during the time it takes 
us to complete our investigation. When we ask you to put your concern or question 
in writing and we do not receive it within 10 business days, we may not recredit your 
account.
For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we 
may take up to 90 days to investigate your complaint or question. For new accounts, 
we may take up to 20 business days to credit your account for the amount you this is 
in error.
If we decide there was no error, we will send you a written explanation within three 
business days after we finish our investigation and reverse any provisional credit 
we may have issued. Y ou may ask for copies of the documents we used in our 
investigation.
II. PREAUTHORIZED EFT�S:
 A. Documentation of Transfers: If you have arranged to have direct 
deposits made to your account at least once every 60 days from the same person or 
company, you can call CompuTeller at 715-833-8168 or 1-800-762-6280, or log on 
to online banking or business online banking at rcu.org to find out if the deposit has 
been made. Y ou may also call Royal�s Member Service Department at 715-833-
8111 or 1-800-341-9911. If you pay for something with a check, you may authorize 
your check to be converted to an electronic fund transfer. Y ou may also authorize 
merchants to electronically debit your account for returned check fees.
 B. Internal Transfers:  If you have authorized Royal to transfer funds from a share to
a loan that is for the exact payment amount and is scheduled to pay on the exact due 
date and funds are not available, Royal will retry the transfer for up to 10 days after 
the due date. If the payment is not satisfied at that time, it will be your responsibility to 
complete the missed transfer. Subsequent transfers will not occur until the loan has 
been brought current. (Payment Sequence Balance Transfer)
If you have authorized Royal to transfer a specified amount of funds from a share 
account to a loan or share account on a specific day and funds are not available, it 
will be your responsibility to complete the missed transfer. Subsequent transfers will 
continue as scheduled. (Scheduled Transfers)
 C. External Transfers:  For outgoing transfers, funds must be in your Royal account 
by 6:00 a.m. one business day prior to the Direct Payment date. If the Direct Payment 
date falls on a weekend or holiday, the transfer will be posted 1-2 business days later.
 D. Right to Stop Payment: If you have told us in advance to make regular 
payments out of your account, you can stop any of these payments. To place a stop 
payment, call Royal�s Member Service Department at 715-833-8111 or 1-800-
341-9911; or write us at PO Box 970, Eau Claire, Wisconsin, 54702-0970 in time 
for us to receive your request three business days or more before the payment is 
scheduled to be made. If you call, we may also require you to put your request in 
writing. If you order us to stop one of these payments three business days or more 
before the transfer is scheduled and we do not do so, we will be liable for your losses 
or damages. Y ou are not permitted to stop payment on any purchase, withdrawal, 
payment or transfer originated by use of the Debit Card, ATM Card, Bill Pay/Business 
Bill Pay, CompuTeller, or online banking/business online banking, and Royal has no 
obligation to honor any such stop payment request by you. Y ou may, however, stop 
payment of a preauthorized recurring electronic fund transfer made with your credit 
card or Debit Card. 
 E. Notice of Varying Amounts:  If these payments may vary in amount, the person
you are going to pay should tell you 10 days before each payment when it will be 
made and how much it will be. Y ou may choose instead to get this notice only when 
your payment would differ by more than a certain amount from the previous payment 
or when the amount would fall outside certain limits you set.
F. Limitations on Frequency of Transfers: In compliance with Regulation D of the
Federal Reserve Board, you are limited to six transactions per month from each  
of your savings or Money Market accounts without your physical presence at  
a branch or ATM. This includes but is not limited to transactions by means of online, 
CompuTeller, check, preauthorized payments to a third party, telephoning Member 
Service, or by automatic transfer due to insufficient funds.
G. Fees that apply to Preauthorized EFT�s are detailed in the �Service Fees� 
Disclosure.
H. Liability Disclosure: If your monthly statement shows transfers that you 
did not make and you do not contact us within 60 days after the statement was 
provided to you, you may not get back any money lost after that time if your contacting 
us would have prevented those losses. If extenuating circumstances (such as 
extended travel or hospitalization) prevent your contacting us, the time period may be 
extended.
I.  Telephone Number and Address:  If you believe that an unauthorized transfer 
from your account has occurred or may occur, call Royal at 715-833-8111 or  
1-800-341-9911, write Royal at PO Box 970, Eau Claire, Wisconsin  
54702-0970, or email member_services@rcu.org.
III. ATM / DEBIT CARD
 A. Account Access: 
Y ou may use your ATM/Debit Card and PIN to:
1. Obtain balance information on your savings account at an automatic teller 
machine (ATM).
2. Withdraw cash from your savings account at an ATM.
3. Make deposits to your savings account at a PULSE or CO-OP Network ATM.
4. Obtain balance information on your checking and savings accounts at an 
Automated Teller Machine (ATM).
5. Withdraw cash from your checking or savings account at an ATM. - 6 -ELECTRONIC FUNDS TRANSFER ACT DISCLOSURE - FOR CONSUMER ACCOUNTS ONLY (CONT)
6. Make deposits to your checking or savings account at a PULSE or CO-OP 
Network ATM.
7. Transfer funds between your linked checking and savings account at an ATM.
8. Obtain cash advances if you have a Kwik Cash line of credit available when 
your checking account is overdrawn. Cash advances will be deposited in 
increments of $100 into the checking account that is affected.
9. Pay for purchases from your one designated checking account at merchants 
that have agreed to accept the card and PIN. (POS Transactions)
Y ou may use your Debit Card without your PIN to:
1. Pay for purchases from your checking account at places that display the Visa 
logo or have agreed to accept the Debit Card.
2. Obtain a cash advance from your checking account at a financial institution 
that displays the Visa logo.
3. Fund recurring preauthorized payments. Y our Visa debit card also allows 
you to conduct transactions on the PULSE debit network, which will generally 
require you to enter your PIN. Some merchants are authorized to accept non-Visa 
debit transactions without requiring you to enter your PIN. If you choose to sign to 
authorize a debit transaction, the transaction will be routed as a Visa transaction. 
Provisions of your cardholder agreement that specifically relate to Visa transactions 
are inapplicable to non-Visa debit transactions.
Some of these services may not be available at all terminals. The time required to 
charge or credit your account after you use your card will depend on the location of 
the terminal and the type of transaction. Any transaction or cash advances may be 
subject to authorization by Royal or by a Visa authorization center.
Each time your card is properly used, you authorize Royal to debit or credit 
(whichever is appropriate) your account for the total amount shown on any sales 
draft, receipt, or credit voucher originated by use of the card whether or not it is 
signed by you. Royal is permitted to handle such sales drafts, orders, and vouchers in 
the same way it handles authorized checks drawn on your account.
B. Documentation of Transfers: Y ou will have the option of receiving a receipt at 
the time you make any transfer to or from your account using an ATM or Point of Sale 
(POS) terminal or make purchases using your Debit Card in excess of $15.
C. Limitations of the Frequency and Dollar Amounts of Transfers:
For security reasons, there are limitations on the number and dollar amount of cash 
withdrawals you may make per day at an ATM or POS terminal. There are also 
limitations on the total number and dollar amount of Visa merchant purchases or Visa 
cash advances or Visa ATM withdrawals you may make each day.
Royal reserves the right to make periodic risk assessments and to change your 
maximum daily limits without notice. We will not reduce your daily limits below $100 
without giving you prior notice.
Individual terminals or terminal operators may also have limits on the frequency of 
cash withdrawals or deposits performed at their terminals.
D. Your Ability to Withdraw Funds:  Royal�s policy is to make available immediately
up to $225 of your total funds deposited daily through a terminal. The remaining funds 
will become available in compliance with regulatory requirements. The balance of 
your deposited funds generally will be available the beginning of the second business 
day following the day of deposit. For determining the availability of your deposits 
made though a terminal, every day is a business day except Saturdays, Sundays, 
and federal holidays. If you make a deposit through a terminal before 2:30 pm, on 
a business day that we are open, we will consider that day to be the day of your 
deposit. If you make a deposit through a terminal after 2:30 pm or on a day we are 
not open, we consider that the deposit was made on the next business day we are 
open.
E. Fees for Transfers:  Fees that apply to ATM/Debit Cards are detailed in 
the �Service Fees� Disclosure. When you use an ATM not owned by us, you may be 
charged a fee by the ATM operator or any network used and you may be charged a 
fee for a balance inquiry even if you do not complete a fund transfer. Y ou understand 
and agree that the ATM operator or network may charge you multiple fees for multiple 
transactions (for example, a fee for a balance inquiry and a fee for a withdrawal) 
during the same ATM session.
F. Liability Disclosure:  Contact us AT ONCE if you believe your card and/or PIN 
has been lost or stolen or money is missing from your account. Y ou will not be liable 
to Royal for more than $50 for unauthorized transfers if you immediately notify Royal 
of any loss, theft, disappearance or known suspected unauthorized use of the card or 
PIN. If you do not tell us within 2 business days after you learn of the loss or theft of 
your card and/or PIN, and we can prove we could have stopped someone from using 
your card and/or PIN without your permission if you have told us, you could lose as 
much as $500.
Also, if your statement shows transfers that you did not make, including those made 
by card, code or other means, tell us at once. If you do not tell us within 60 days after 
the statement was mailed to you, you may not get back any money you lost after the 
60 days if we can prove that we could have stopped someone from taking the money 
if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept 
you from telling us, we will extend the time periods.
G. Telephone Number and Address:  If you believe your card or PIN has been lost
or stolen or that an unauthorized transfer from your account has occurred or may 
occur, call Royal at 715-833-8111 or 1-800-341-9911, write Royal at PO Box 970, 
Eau Claire, Wisconsin 54702-0970, or email member_services@rcu.org.
IV. COMPUTELLER/ONLINE BANKING/BUSINESS ONLINE BANKING/BILL PAY/
 BUSINESS BILL PAY
 A. Account Access:  For any authorized account, you may use your online 
password to pay bills directly from your Checking Account to any vendor on your 
authorized vendor list. For any authorized account, you may use your CompuTeller/
online banking/business online banking to:
1. Transfer funds between your Checking and Savings Account.
2. Obtain cash advances, if you have Kwik Cash line of credit available, to be transferred into Savings, Checking, or issued to you in a check.
3. Transfer from Savings or Checking to make loan payments.
4. Inquire on your accounts at Royal.
B. Limitations on Frequency of Transfers:  Y ou may use Bill Pay/Business Bill Pay
to make any number of payments from your Checking Account to any vendor on 
your list. There are no limitations on the number of CompuTeller or online transfers. 
However, in compliance with Regulation D of the Federal Reserve Board, you are 
limited to six transfers per month from each of your Savings Accounts whether by 
means of CompuTeller or online banking/business online banking, preauthorized 
transfer, ACH withdrawal, telephoning Member Service, Member Service voice 
mail, or by automatic transfer due to insufficient funds. If you exceed this limit those 
transactions will be denied.
C. Limitations on Dollar Amount of Transfers: Y ou may make transfers or check 
withdrawals up to the dollar amount of the available balance in your account. Y ou may 
make a check withdrawal from your checking, savings, or Kwik Cash accounts with no 
limitation using CompuTeller or online banking/business online banking. While there is 
no limit to the number of payments that may be authorized with Bill Pay/Business Bill 
Pay, you may make payments up to the maximum amount of $40,000.
D. Fees for Transfers:  Fees, if any, which apply to the Bill Pay/Business Bill Pay service
are disclosed in the �Service Fees� Disclosure. Until Member is notified by Royal to 
the contrary, Member will not be charged any transaction fees by Royal for use of 
CompuTeller or online banking/business online banking.
E. Liability Disclosure: Contact us AT ONCE if you believe your PIN or password 
has been lost or stolen or money is missing from your account. Y ou will not be liable 
to Royal for more than $50 for unauthorized transfers if you immediately notify Royal 
of any loss, theft, disappearance or known suspected unauthorized use of the PIN. 
If you do not tell us within 2 business days after you learn of the loss or theft of your 
PIN or password, and we can prove we could have stopped someone from using your 
PIN or password without your permission if you have told us, you could lose as much 
as $500.
Also, if your statement shows transfers that you did not make, including those made 
by card, code or other means, tell us at once. If you do not tell us within 60 days after 
the statement was mailed to you, you may not get back any money you lost after the 
60 days if we can prove that we could have stopped someone from taking the money 
if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept 
you from telling us, we will extend the time periods.
F. Telephone Number and Address:  If you believe your PIN or password has been 
lost or stolen or that an unauthorized transfer from your account has occurred or may 
occur, call Royal at 715-833-8111 or 1-800-341-9911, write Royal at PO Box 970, 
Eau Claire, Wisconsin 54702-0970 or email member_services@rcu.org.
G. Inactive Accounts: Please note if you have not accessed your account using
CompuTeller or online banking/business online banking within a six month time 
period, Royal may automatically unenroll you from these services. Y ou may re-enroll 
at any time. 
V. ELECTRONIC CHECK CONVERSION
A. Account Access:  Y ou may authorize a merchant or other payee to make a 
one-time electronic payment from your checking account using information from your 
check to:
1. Pay for purchases.
2. Pay bills.
B. Liability Disclosure: Contact us at once if you believe an electronic funds 
transfer has been made without your permission using information from your check.
C. Telephone Number and Address:  If you believe a transfer has been made using
the information from your check without your permission:
� Call Royal Member Service at 715-833-8111 or 1-800-341-9911
� Write to Royal at PO Box 970, Eau Claire, Wisconsin 54702-0970
� Email member_services@rcu.org - 7 -ELECTRONIC �WHOLESALE CREDIT� TRANSACTIONS
(SUBJECT TO UNIFORM COMMERCIAL CODE ARTICLE 4A)
To our business Members who have or may authorize electronic credit transactions on your 
account.
Royal�s Responsibilities:
Provisional Payment: Credit given by us to you with respect to an automated clearing 
house credit entry is provisional until we receive final settlement for such entry through a 
Federal Reserve Bank. If we do not receive such final settlement, you are hereby notified 
and agree that we are entitled to a refund of the amount credited to you in connection with 
such entry, and the party making payment to you via such entry (i.e., the originator of the 
entry) shall not be deemed to have paid you in the amount of such entry.
Notice of Receipt of Entry: Under the operating rules of the National Automated Clearing 
House Association, which are applicable to ACH transactions involving your account, we 
are not required to give next day notice to you of receipt of an ACH item, and we will not 
do so. However, we will continue to notify you of the receipt of payments in the periodic 
statements we provide to you.
Choice of Law:  We may accept on your behalf payments to your account which have been 
transmitted through one or more Automated Clearing Houses (ACH) and which are not 
subject to the Electronic Funds Transfer Act and your rights and obligations with respect to 
such payments shall be construed in accordance with and governed by the laws of the state 
of Wisconsin, as provided in the operating rules of the National Automated Clearing House 
Association, unless it has been otherwise specified in a separate agreement that the law of 
some other state shall govern. - 8 -PRIVACY POLICY
FACTSWHAT DOES ROYAL CREDIT UNION
DO WITH YOUR PERSONAL INFORMATION?
Why?Financial companies choose how they share your personal information. Federal 
law gives consumers the right to limit some but not all sharing. Federal law also 
requires us to tell you how we collect, share, and protect your personal information. 
Please read this notice carefully to understand what we do.
What?The types of personal information we collect and share depends on the product or 
service you have with us. This information can include:
� Social Security number and income
� Account balance and transaction history
� Credit history and credit scores
When you are no longer  our Member, we continue to share your information as 
described in this notice.
How?All financial companies need to share members� personal information to run their 
everyday business. In the section below, we list the reasons financial companies 
can share their members� personal information; the reasons Royal chooses to 
share; and whether you can limit this sharing.
Reasons we can share your personal information Does Share? Can you limit this sharing?
For our everyday business purposes�
Such as to process your transactions, maintain your 
account(s), respond to court orders and legal investigations, 
or report to credit bureausYe s No
For our marketing purposes�
To offer our products and services to youYe s No
For joint marketing with other financial companies Ye s No
For our affiliates� everyday business purposes�
Information about your transactions and experiencesYe s No
For our affiliates� everyday business purposes�
Information about your creditworthinessNo We don�t share
For nonaffiliates to market to you No We don�t share
QuestionsCall 1-800-341-9911 or 715-833-8111; send us an email at member_services@rcu.org or 
write to us at: Royal Credit Union, PO Box 970, Eau Claire, WI 54702-0970 - 9 -PRIVACY POLICY (CONT.)
What we do
How does Royal protect my personal 
information?To protect your personal information from unauthorized access and use, 
we use security measures that comply with federal law. These measures 
include computer safeguards and secured files and buildings.
How does Royal collect my personal 
information?We collect your personal information, for example, when you
�  Open an account
�  Apply for loan
�  Use your credit or debit card
�  Pay your bills
�  Make deposits to or withdrawal from your accounts
We also collect your personal information from others, including credit 
bureaus or other companies.
Why can�t I limit all sharing?Federal law gives you the right to limit only
�  Sharing for affiliates� everyday business purposes�information  
 about your creditworthiness
�  Affiliates from using your information to market to you
�  Sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to 
limit sharing.
Definitions
AffiliatesCompanies related by common ownership or control. They can be 
financial and nonfinancial companies.
�  Royal does not share withour affiliates.
Nonaffiliates Companies not related by common ownership or control. They can be 
financial and nonfinancial companies.
�  Royal  does not share with nonaffiliates so they can  
 market to you, except for our joint marketing arrangements.
Joint MarketingA formal agreement between nonaffiliated financial companies that 
together market financial products or services to you.
�  Our joint marketing partners include financial service providers. ARBITRATION AGREEMENT, CLASS ACTION WAIVER, AND JURY TRIAL WAIVER
Please review this provision carefully: It affects your legal rights. Arbitration of a dispute will result in the loss of any right to go to court to assert or defend your rights, have 
a jury decide the claim or dispute, or participate in a class action lawsuit related to the claim arbitrated.  Other rights that you would have if you went to court may also not be 
available in arbitration.
This Arbitration Agreement, Class Action Waiver, and Jury Trial Waiver (this �Agreement�) provides you with the right to opt out of this Agreement as set forth below.  Should 
you decide not to opt out of this Agreement and you continue to be a Member at Royal, you will have agreed to this Agreement. 
1. Arbitration Procedures.
A. Electing Arbitration. Except if you opt out as provided below, you or we may elect to arbitrate any claim or dispute between you and us arising from or related in any way to these 
Disclosures or any account, product, or service you have or have had with us. This arbitration provision applies regardless of whether the claim or dispute is based in contract, tort, or 
otherwise. If arbitration is elected, any claim or dispute will be resolved by individual (not class-wide) binding arbitration instead of a lawsuit or other resolution in court. This arbitration 
provision does not apply to any individual action brought in small claims court (or your state court equivalent). Any arbitration hearing will be within 50 miles of your residence at the 
time the arbitration is commenced, unless otherwise mutually agreed. If a hearing is necessary as determined by the arbitrator, it may be conducted by telephone or by video, if the 
parties have such capabilities.
B. Arbitration Costs. We will reimburse the amount of filing, case management, administration, and arbitrator fees you are required to pay. Notwithstanding the foregoing, we will not 
reimburse you for any fees if the arbitrator determines that your claim or dispute was frivolous or baseless. Each party will be responsible for its own fees, including attorneys� fees in 
any arbitration, except that the arbitrator is permitted to award attorneys� fees to the prevailing party under applicable law or agreement.
C. Arbitrators and Arbitration Rules. The party electing arbitration must choose between one of two organizations: the American Arbitration Association (�AAA�); or Judicial 
Arbitration and Mediation Services (�JAMS�). The rules and codes of procedure of the chosen organization in effect when arbitration is elected will apply. Arbitration will be conducted 
by a single arbitrator. The arbitrator will be bound by the terms of this Agreement and will be a retired judge or attorney with experience in financial institutions.
D. Effect of Arbitration Award.  The arbitrator�s decision and award will be final and binding on all parties, except for any right to appeal provided by the Federal Arbitration Act, and 
may be entered in any court, state or federal, having jurisdiction. Any relief available in a court of law can be awarded by the arbitrator.  
2. Federal Arbitration Act. This agreement is considered a transaction in interstate commerce. As such, the Federal Arbitration Act (Title 9 of the US Code) governs the interpretation and 
enforcement of this arbitration provision. Any issue concerning the validity or enforcement of this arbitration provision, or whether it applies to any specific claim or dispute will be determined 
by the arbitrator.  
3. CLASS ACTION WAIVER. Unless prohibited by applicable law, arbitration will be solely brought in your individual capacity and be solely between you and us. Neither you 
nor we have the right to participate in a class action in court or arbitration, either as a class representative or class member. No arbitration between you and us may be joined 
or consolidated with any other arbitration. Under no circumstances shall there be any class action in arbitration. You and Royal acknowledge the Class Action Waiver is 
material and essential to the arbitration of any claims or disputes and is non-severable from this arbitration provision. If the Class Action Waiver is limited, voided or found 
unenforceable, then this arbitration provision (except for this sentence) shall be null and void with respect to such proceeding, subject to the right to appeal the limitation or 
invalidation of the Class Action Waiver.  
4. JURY TRIAL WAIVER. Whether any controversy is arbitrated or resolved by a court, you and Royal voluntarily and knowingly waive any right to a jury trial with respect to 
such controversy to the fullest extent allowed by law.
5. General.
A. Severability; Survival. Except as provided in the Class Action Waiver above, if any term of this Agreement is found unenforceable for any reason, it shall be severed and the 
remaining terms shall be enforced without regard to the invalid or unenforceable provisions. This Agreement shall survive termination of these Disclosures.
B. Available Relief.  This Agreement does not preclude you from informing any federal, state or local agency or entity of your dispute. Such agency or entity may be able to seek relief 
on your behalf. Nothing in this Agreement limits your or our right, whether before, during or after the pendency of any arbitration proceeding, to exercise any self-help remedies, such 
as set-off, or repossession and sale of collateral, or to obtain injunctive relief or interpleader relief. The exercise of these rights will not constitute a waiver of the right to submit any 
dispute to arbitration.
C. Exclusion.  To remove any doubt, this Agreement does not apply to: (i) any consumer credit transaction secured by a dwelling (including a home equity line of credit secured by 
your principal dwelling); or (ii) to any consumer credit obtained while you were a covered borrower as defined by the Military Lending Act.
6. RIGHT TO OPT OUT. YOU MAY OPT OUT OF THIS ARBITRATION AGREEMENT, CLASS ACTION WAIVER, AND JURY TRIAL WAIVER BY SENDING A WRITTEN REQUEST TO 
US AT ROYAL CREDIT UNION, ATTN: Deposit Operations, P.O. BOX 970, EAU CLAIRE, WI, 54702. YOUR WRITTEN NOTICE MUST INCLUDE YOUR NAME, ADDRESS, ACCOUNT 
NUMBER, AND INDICATE YOUR CHOICE TO OPT OUT OF THE ARBITRATION AGREEMENT, CLASS ACTION WAIVER, AND JURY TRIAL WAIVER. NOTICE MUST BE RECEIVED 
WITHIN SIXTY (60) DAYS AFTER THIS AGREEMENT WAS DELIVERED OR OTHERWISE MADE AVAILABLE TO YOU. IF YOU FAIL TO OPT OUT WITHIN THIS SIXTY (60) DAY 
PERIOD, YOU WILL BE DEEMED TO HAVE PROVIDED YOUR CONSENT TO THE RESOLUTION OF CLAIMS OR DISPUTES THROUGH BINDING ARBITRATION. OPTING OUT 
OF ARBITRATION WILL NOT TERMINATE OR EFFECT ANY OTHER RIGHTS YOU OR WE HAVE UNDER THESE DISCLOSURES. IF YOU OPT OUT, YOU MUST OPT OUT OF ALL 
TERMS OF THE ARBITRATION AGREEMENT, CLASS ACTION WAIVER, AND JURY TRIAL WAIVER. YOU MAY NOT OPT OUT OF ONLY CERTAIN TERMS.
7. IMPORTANT NOTICE. IF EITHER YOU OR WE ELECT TO RESOLVE A PARTICULAR CLAIM THROUGH ARBITRATION, YOU WILL GIVE UP YOUR RIGHT TO GO TO COURT TO 
ASSERT OR DEFEND YOUR RIGHTS OR HAVE A JURY DECIDE THE CLAIM. ALSO, YOUR ABILITY TO OBTAIN INFORMATION FROM US AND TO APPEAL IS MORE LIMITED IN 
AN ARBITRATION PROCEEDING THAN IN A LAWSUIT. OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT MAY ALSO NOT BE AVAILABLE IN ARBITRATION. 
NOTICE: THIS AGREEMENT CONTAINS PROVISIONS FOR BINDING (MANDATORY) ARBITRATION, CLASS ACTION WAIVER, AND JURY 
TRIAL WAIVER.  Upon the election of either you or us, any claim or dispute will be resolved by BINDING ARBITRATION as set forth below.  In 
arbitration, a dispute is resolved by an arbitrator instead of a judge or jury.  Arbitration procedures are simpler than court procedures, but many 
procedures permitted in court are limited or not available in arbitration. 
- 10 - - 11 -(Except as specifically described, the following disclosures apply to all accounts.)
Specific rates are enclosed on inserted rate sheets that may change from time to time. 
Current rates on all savings instruments are always available by calling 715-833-8168.
1. Services Information
In order to receive any services from Royal, the Member must open a Primary Savings 
Account and maintain a $5 minimum balance. Though a Member must maintain a 
minimum of $5 in their Primary Savings Account, we will assess a monthly fee to 
Members age 18+ with Savings or Checking Accounts of $25 or less, inactive for six 
months or more, and with no other active services on that account.
2. Balance Information
The minimum balance required to open each account is set forth in these Disclosures. 
The minimum monthly balance required to avoid a service fee is set forth in these 
Disclosures. Dividends are calculated by the daily balance method that applies a daily 
periodic rate to the principal in the account each day.
3. Nature of the Dividend
Dividends are paid from current income and available earnings after required transfers 
to reserves at the end of the dividend period. The dividend rate and annual percentage 
yield are the prospective rates and yields that Royal anticipates paying for the applicable 
dividend period. The annual percentage yield assumes all dividends remain and are not 
withdrawn from the account.
4. Rate Information
See Royal�s rate card, visit rcu.org, or call 715-833-8168 to find the dividend rate and 
annual percentage yield on your accounts. All accounts are considered variable rate 
accounts except the share certificate accounts and the fixed IRA accounts that are 
contractually fixed rates. The dividend rate and annual percentage yield may change 
at any time on the variable rate accounts as determined by the Board of Directors. The 
annual percentage yield assumes all dividends remain and is not withdrawn from the 
account.
5. Compounding and Crediting
Dividends will be compounded and credited as set forth in the account description 
portion of this packet. The dividend period for all accounts is monthly beginning on the 
first calendar day of the month and ending on the last calendar day of the month. The 
exceptions to this are the share certificates and the fixed IRAs, which are detailed below.
6. Account Limitations
In compliance with Regulation D of the Federal Reserve Board, you are limited to 
six transactions per month from each of your savings or Money Market accounts 
without your physical presence at a branch or ATM. This includes but is not limited to 
transactions by means of online banking/business online banking, CompuTeller, check, 
preauthorized payments to a third party, telephoning Member Service, or by automatic 
transfer due to insufficient funds.
For Federal Reserve bank reporting purposes, this account consists of a transaction 
category and a savings category. Royal may periodically transfer funds not routinely 
needed to pay debits between these two categories. If your account is one on which 
dividends are paid, your dividend calculation will remain the same. Otherwise, the 
savings category will be non-interest or non-dividend bearing and will be governed 
by the rules governing our other savings accounts indicated within the �Y our Ability to 
Withdraw Funds at Royal Credit Union� section of this disclosure. This process will be 
invisible to you and will not affect your available balance, the dividends you may earn, 
NCUA insurance protection, your monthly or quarterly statement, or any other features 
of this account. This process does not count toward the maximum of six Regulation D 
transactions per month.
Royal may close your savings and/or checking account if that account is charged 
with an excessive number of NSFs. If, at the time of closure, your account contains a 
negative balance, the closure and the negative balance will be reported to a national 
credit reporting agency. If any of your accounts have a negative balance for an extended 
period, the account will be closed and the negative balance will be reported to a national 
credit reporting agency.
Provisional credit is given for items cashed or deposited at Royal. If the item is returned 
unpaid for any reason, we have the right to reserve the provisional credit and you agree 
to reimburse us for the item. We reserve the right to automatically send the item to the 
paying bank a second time. If we do so, we will not charge your account for the amount 
of the item or the fee. Y ou agree to waive the notice of right of chargeback and authorize 
re-presentment of the item without being given to you. A fee may be charged for such 
returned item each time an item is returned, see �Service Fees� Disclosure.
7. Accrual of Dividends
Dividends will begin to accrue on the cash and non-cash deposits (e.g., checks) on the 
business day you make the deposit to your account. If you close your account before 
accrued dividends are credited, accrued dividends will be paid.
8. National Credit Union Share Insurance Fund
All Member accounts in Royal are federally insured by the National Credit Union Share 
Insurance Fund to at least $250,000.
9. Bonus (WRI Clients Only)
WRI clients are eligible for a $50 bonus upon the completion of financial training. Coupon 
code required to obtain bonus. Immediately upon presentation of the coupon code, 
online or in person, the $50 will be deposited into your account. There is no minimum 
balance required to obtain bonus.
10. Bonus (Employee Partnership Program Only)
Employees from a partner employer are eligible to receive $225 bonus upon opening a 
new checking account and receiving two (2) qualifying direct deposits from the partnered 
employer electronically deposited into the account. Royal will deposit the $225 bonus 
into your Royal savings account after the second direct deposit. Existing checking 
accounts do not qualify. Must not have had a previously closed checking account with 
Royal within the last twelve (12) months. There is no minimum balance required to obtain 
the bonus. Employment verification required. The first deposit must occur within the first 
sixty (60) days from the account opening. The account must remain open for six (6) 
months. Must open and be primary on a Primary Base Savings account. The incentive TRUTH IN SAVINGS DISCLOSURE
will be deposited into the qualifying Member�s Primary Base Savings account upon 
qualification.  
ACCOUNT DESCRIPTIONS
(More detailed information is available upon request)
PRIMARY SAVINGS AND OTHER SECONDARY SAVINGS:
Description of Account:  This is the primary credit union �Savings� Account. Y ou must 
execute a Membership Agreement and maintain a $5 balance in a primary share account 
for membership in the credit union, allowing you to vote at the annual meeting, if all voting 
requirements are met, and to obtain other credit union benefits and services. Secondary 
Savings can be established to meet the Member�s needs for separate Savings Accounts. 
This includes Real Estate Escrow accounts. The Escrow accounts have restrictions for 
withdrawals for other than tax or insurance purposes. 
Dividends Compounded:  Monthly
Dividends Credited:  Monthly
Minimum Opening Balance:  $5 for Primary Savings and $0 for any 
  other Secondary Savings
Minimum Monthly Balance:  $5 for Primary Savings and $0 for any 
  other Secondary Savings
Balance Computation Method:  Daily
Account Limitations:  Account Transaction Limitations Apply
Fees:  See �Service Fees� Disclosure  
MONEY MARKET ACCOUNT:
Description of Account:  Our Money Market Account, with a minimum balance, offers you 
premium rates and convenient withdrawal privileges. The account is limited to a maximum of 
six withdrawals per month without your physical presence at a branch. This includes but is 
not limited to transactions by means of online banking/business online banking, CompuTeller, 
check, preauthorized payments to a third party, telephoning Member Service, or by automatic 
transfer due to insufficient funds. Over-the-counter transactions are unlimited.
Dividends Compounded:  Monthly
Dividends Credited:  Monthly
Minimum Opening Balance:  $10,000
Minimum Monthly Balance:  $10,000
Balance Computation Method:  Daily
Account Limitations:  Limitations do apply as detailed in the  
 disclosure. There is a minimum deposit of  
 $100 and a minimum check amount of $250.  
 Tiered dividend rates are paid on the entire  
 daily collected balance of your account. The  
 balance tiers are:  
 $.01-$9,999.99; $10,000-$24,999.99;  
 $25,000-$99,999.99; $100,000 and over.  
 Account Transaction Limitations Apply
Fees:  See �Service Fees� Disclosure
Share certificates (BOTH REGULAR AND MINI JUMBO):
Description of Account: Share certificate accounts offer a preferred rate in exchange 
for your commitment to leave funds on deposit for a set period of time. Early withdrawals 
are subject to dividend penalty. Generally, we offer share certificates with maturates of 
three, four, six, eight, twelve, eighteen, thirty, forty eight, and seventy two months. We 
may offer a premium rate if the deposit is $50,000 (Mini Jumbo Share certificate) or more. 
All rates disclosed are assuming that the dividends earned are left in the investment and 
compounded. Withdrawal of the earned dividends will reduce future earnings.
Dividends Compounded:  Monthly on all new share certificates. 
Dividends Credited:  Monthly on all new share certificates. 
Minimum Opening Balance:  $0
Minimum Monthly Balance:  $0
Balance Computation Method:  Daily
Account Limitations:  Early withdrawal penalty will be applied. 
Penalties for share certificates one year or 
less - equivalent of 90 days dividends; greater 
than one year up to and including three years - 
equivalent of 180 days dividends; greater than 
three years - equivalent of one year�s dividends. 
Automatically renewable share certificates will 
be automatically extended for successive, like 
maturity periods unless:
a) Upon or within ten days after such original or 
extended maturity date, this share certificate is 
surrendered and presented for payment;
b) The credit union elects not to extend such 
maturity, in which case the share certificate 
amount and any dividend will be paid to the 
depositor. Expiring share certificate; upon 
maturity the share certificate amount and 
any dividend will be paid to the depositor by 
transferring the amount into the Member�s 
Primary Savings Account.
Fees:  See �Service Fees� Disclosure - 12 -EASY SAVE INDIVIDUAL RETIREMENT ACCOUNT (IRA):
Description of Account: IRAs are savings investments setup for the purpose of 
accumulating funds for retirement. All IRAs are regulated by the Internal Revenue 
Service. This investment has no term and can be added to periodically for the purpose of 
accumulating funds to put into a fixed IRA. (Special rates and other terms apply.)
Dividends Compounded:  Monthly
Dividends Credited:  Monthly
Minimum Opening Balance:  $5
Minimum Monthly Balance:  $5
Balance Computation Method:  Daily
Account Limitations:  Minimum payroll deposit amount is $5.  
 Also IRS regulations apply. This investment  
 option is not available for Sep IRA�s.
Fees:  See �Service Fees� Disclosure
FIXED RATE INDIVIDUAL RETIREMENT ACCOUNTS (IRA) 
INCLUDING ROTH AND SEP:
Description of Account: IRAs are savings investments set up for the purpose of 
accumulating funds for retirement. All IRAs are regulated by the Internal Revenue Service. 
The investments are in share certificate instruments. (Special rates and other terms apply 
to these accounts.)
Dividends Compounded:  Monthly
Dividends Credited:  Monthly
Minimum Opening Balance:  $0
Minimum Monthly Balance:  $0
Balance Computation Method:  Daily
Account Limitations:  Early withdrawal penalties will be the same as  
  the penalties disclosed under the share 
 certificate section plus any penalties imposed 
 by the IRS.
Fees:  See �Service Fees� Disclosure
FIXED RATE HEALTH SAVINGS ACCOUNT (HSA) SHARE CERTIFICATE:
Description of Account:  HSAs are savings investments set up for the purpose of 
accumulating funds for paying for qualified medical expenses of the account holder and 
their dependents when they are covered by a High Deductible Health Plan (HDHP). The 
investments are in a share certificate instrument. (Special rates and terms apply to these 
accounts.)
Dividends Compounded:  Monthly
Dividends Credited:  Monthly
Minimum Opening Balance:  $0
Minimum Monthly Balance:  $0
Balance Computation Method:  Daily
Account Limitations:  Early withdrawal penalties will be the same as  
 the penalties disclosed under the share 
 certificate section.
Fees:  See �Service Fees� Disclosure
VARIABLE RATE INDIVIDUAL RETIREMENT ACCOUNTS (IRA) 
INCLUDING ROTH AND SEP:
Description of Account:  IRAs are savings investments set up for the purpose of 
accumulating funds for retirement. All IRAs are regulated by the Internal Revenue Service. 
The investments are two-year variable rate share certificate instruments. (Special rates and 
other terms apply to these accounts.)
Dividends Compounded:  Monthly
Dividends Credited:  Monthly
Minimum Opening Balance:  $5
Minimum Monthly Balance:  $5
Balance Computation Method:  Daily
Account Limitations:  Minimum payroll deposit amount is $5. An  
 early withdrawal penalty equal to 180 days  
 dividends will be accessed on the amount  
 of the withdrawal if the account holder is  
 under 591/2 years old, plus any penalties  
 imposed by the IRS.
Fees:  See �Service Fees� Disclosure
SMART CHECKING:
Description of Account: This account offers you the convenience of withdrawing funds
by checks or other remote means.
Dividends Compounded:   None
Dividends Credited:  None
Minimum Opening Balance:   $0
Minimum Monthly Balance:  $0
Balance Computation Method:  None
Account Limitations:  None
Fees:  No Checking fees associated with this
 account. Transaction and access to ATM may
 be charged as detailed in the �Service
 Fees� Disclosure.
SMART CHECKING PLUS:
Description of Account:  This account offers you the convenience of withdrawing funds
by checks or other remote means.
Dividends Compounded:  Monthly
Dividends Credited:  Monthly
Minimum Opening Balance:   $700
Minimum Monthly Balance:  $700
Balance Computation Method:  Daily
Account Limitations:  Limitations do apply to this account. ATRUTH IN SAVINGS DISCLOSURE (CONT.)
 minimum balance of $700 must be
 maintained in the account or there will be a
 fee for the month that your balance falls
 below the minimum. The fee will be on
 the last day of the month.
Fees:  See �Service Fees� Disclosure
SMART START CHECKING:
Description of Account: This account offers you the convenience of withdrawing funds
by checks or other remote means.
Dividends Compounded:  None
Dividends Credited:  None
Minimum Opening Balance:  $0
Minimum Monthly Balance:  $0
Balance Computation Method:  None
Account Limitations:  None
Fees:  No Checking fees associated with this account.
 Transaction and access to ATM may be   
                                                                       charged as detailed in the �Service Fees�     
 Disclosure
HEALTH SAVINGS ACCOUNT (HSA) CHECKING:
Description of Account:  HSAs are savings investments set up for the purpose of
accumulating funds for paying for qualified medical expenses of the account holder and
their dependents when they are covered by a High Deductible Health Plan (HDHP). This
account offers you the convenience of withdrawing funds by check or ATM/Debit Card.
All HSAs are regulated by the Internal Revenue Service. (Special rates and terms apply to
these accounts.)
Dividends Compounded:  Monthly
Dividends Credited:   Monthly
Minimum Opening Balance:  $0
Minimum Average
Monthly Balance:   $0
Balance Computation:  Daily
Account Limitations:  Tiered dividend rates are paid on the entire
 daily collected balance of your account. The
 balance tiers are: $0 to $999.99; $1,000 to
 $4,999.99; $5,000 to $9,999.99; and $10,000
 or more.
Fees:  See �Service Fees� Disclosure Royal will transfer (a �funds transfer�) as shown on the payment order.  See �Service Fees� 
Disclosure. Other financial institutions involved in the funds transfer may impose additional 
fees.
We will not be liable to you if we do not act upon or delay acting upon any funds transfer 
order if any of the following circumstances occur:
  �  Legal order
  �  Emergency situation
  �  Interruption of communication
  �  Equipment failure
  �  War
  �  Other circumstances beyond our control
  �  Potential violation of any government regulation
Fedwire is the wire transfer system of U.S. Federal Reserve Banks.  We or other financial 
institutions involved may use Fedwire to make the funds transfer.  If any part of the funds 
transfer is carried by Fedwire, your rights and obligations regarding the funds transfer are 
governed by Regulation J of the U.S. Federal Reserve Board.  Y our funds transfer may be 
carried by means other than Fedwire.
If you provide us with both the name and account number of the person you wish to receive 
the funds, be aware that we may process the funds transfer based on the account number 
alone.  This could occur even if that account number identifies a person other than the 
one you named.  Similarly, if you provide the name and number of the receiving financial 
institution (including any intermediaries), we may process the funds transfer based on the 
financial institution�s number alone, even if it is an institution different from the one you 
named.   If the correct person does not receive payment, you are still obligated to pay us the 
amount of your funds transfer order.  Additional charges may apply regardless of whether 
the wire is accepted or returned.  Royal will not be held liable for these charges.
If we receive your funds transfer order after our cutoff time, we will process your order the 
next business day.  Our cutoff times are generally 11:00 AM for international wires and 
2:00 PM for domestic wires.  We reserve the right to reject funds transfer orders with no 
liability to you and with no obligation to pay you interest for the period before you receive 
notification.  We may require funds be collected from the drawer�s financial institution prior 
to initiating the funds transfer.  We also reserve the right to require additional information 
about the funds transfer, including the purpose for sending it.  If your funds transfer order is 
rejected, we will notify you orally or in writing.  
Once we have received your funds transfer order you no longer have the right to change or 
cancel it.  We may make a reasonable effort to accommodate your request, but we are not 
liable to you for failures to make changes or cancel the order.  Y ou agree to pay any costs or 
losses we incur in our attempt to change or cancel your funds transfer order.
Funds transfer orders will be listed on your normal periodic statement. To do so, you must 
notify us immediately if you think there is an error.  Y ou need to send us a written statement 
of facts no later than 14 days after the date you receive the first statement on which the 
error appears.
If you are requesting a funds transfer to be sent outside the United States, you understand 
you do so at your own risk.  Royal will not be liable for any reason if the funds are not 
received or mis-applied during the funds transfer process.
Royal will not be liable for consequential damages in the event that loss is sustained 
because it has failed to carry out instructions in a reasonable manner.ROYAL FUNDS TRANSFER NOTICE
- 13 - - 14 -Keep This Notice for Future Use
As used in this disclosure (the �Regulations�), �you� and �your� means natural persons, which 
means each and all of those who applied for or received or who signed or used a card. �Card� 
means each of your Visa credit cards issued by Royal or its predecessor. �We,� �us,� and �our� 
mean Royal and �account� means your credit card account with us. These regulations apply to 
cards issued to all natural persons unless otherwise stated.
1. Responsibility
If you applied for and received a Card from us, you and all other persons obligated for 
the card agree to these Regulations. If more than one person is obligated on a card, their 
obligation shall be joint and several. Except for unauthorized use of a card, you agree to 
repay all debts and any finance fees, fees, and payment protection costs arising from use 
of the Card on your account. For example, if you are a natural person, you agree to pay all 
amounts owed as a result of use of the card or your account by you, your spouse, and your 
minor children. Y ou agree to pay all accounts owed as a result of use of the card or your 
account by anyone else to whom you give the card or you authorize to use your account. 
If the Wisconsin Consumer Act (�WCA�) does not apply to the card or to your account, you 
agree to pay to us all attorneys� fees incurred in collecting or attempting to collect amounts 
owed to us as a result of use of the card or your account. Y our card may not be used for 
illegal transactions. We will terminate or withdraw any product or service if used in an illegal 
manner or for an illegal transaction. Y ou agree to hold harmless and indemnify Royal and 
reimburse Royal for losses incurred as a result of using the card for any illegal transactions.
2. Credit Line
We will establish a credit line for you and advise you of its amount. Y ou agree not to let the 
account balance exceed the credit line, but you remain responsible for payment even if it 
does. Any account balance in excess of the credit line is payable immediately. We reserve 
the right to increase or reduce your credit line from time to time without affecting your 
obligation to pay the account balance. All Cards remain our property; and if we request, you 
must recover and surrender to us all cards we have issued on your account.
3. Limitations of the Frequency and Dollar Amounts of Transfers
For security reasons, there are limitations on the number and dollar amount of cash 
withdrawals you may make per day at an ATM or POS terminal.  There also may be 
limitations on the total number and dollar amount of Visa merchant purchases or Visa cash 
advances or Visa ATM withdrawals you may make each day.
Royal reserves the right to make periodic risk assessments and to change your maximum 
daily limits without notice.  We will not reduce your daily limits below $100 without giving you 
prior notice.
Individual terminals or terminal operators may also have limits on the frequency of cash 
withdrawals or deposits performed at their terminals.
4. Payment Protection Fees (for consumer use only)
If you are eligible and have elected to participate in one of our group payment protection 
programs, a premium fee based on the balance shown on your monthly statement will be 
posted to your account as a miscellaneous fee during your statement period. If you wish 
to cancel your payment protection coverage, you must notify us in writing. If your payment 
protection is stopped for one of the reasons listed in your Borrower Security Contract, you 
must re-enroll if you wish to have payment protection reinstated.
5. Promotional Visa Transfer Checks
As part of a promotion, Royal cardholders may receive cash advance and/or balance 
transfer checks which may be used to access their Visa credit line.  Under no circumstances 
will Royal be liable for the payment or nonpayment of a post-dated check.  If the account 
is delinquent or over the credit line when a check is presented for payment, the check will 
be returned non-sufficient funds (NSF).  Royal cannot honor any check on an account that 
has been closed.  Checks will only be honored when they are drawn by the Primary or Joint 
Owner(s) of the account.
6. Finance Fee
The interest will be set on a variable rate. We may increase or decrease the annual 
percentage rate  beginning with the first billing cycle of the next calendar quarter and each 
calendar quarter thereafter. Each date on which the rate may be changed by us is called 
�change date.� The rate applicable to this card is based on an index. The annual percentage 
rate shall equal the highest prime rate published in the Wall Street Journal �Money Rate� 
tables on the last date of publication in the calendar month preceding each change date plus 
a margin of 4.5 percentage points not to exceed the allowable usury ceiling. The minimum 
finance fee that will be imposed is $0.50. If we, on any change date, fail to increase the rate 
in accordance with changes in the index, we will not carry over and add any portion of that 
increase to any adjustment made on subsequent change dates.
In addition, there is a past due penalty rate such that the sum of the underlying interest and 
this fee shall equal 18% per annum. It is applied in this fashion: should there be a failure 
to have the account current for two months, then the interest rate, not to exceed 18% shall 
be imposed two months from that date and shall continue for a period of six months during 
which there is no past due or payment less than called for in the note or agreement, in which 
event the penalty rate shall be removed and the underlying rate applied as long as you are 
current.
6 (a) Cash advance and balance transfer finance fees accrue on the outstanding daily  
 balance from the date of advance or transfer, through the date paid. The balance of  
 cash advances subject to finance fee is the average daily outstanding unpaid balance,  
 which is determined by dividing the sum of the daily balances during the billing cycle  
 by the number of days in the cycle. Each daily balance of cash advances is determined 
 by adding any new cash advances as of the transaction date or the first day of the   
 billing cycle in which posted, whichever is later, to the previous balance excluding any  
 unpaid finance fee, and subtracting each payment and credit on the date of receipt.
6 (b)  If you paid the previous monthly balance in full by the due date shown on 
that statement, the interest rate as stated in Section 6 will be imposed on credit 
purchases you obtain through the use of your card that have not been paid by the due 
date shown on the current statement on which the transaction is detailed.
The balance of credit purchases subject to finance fee is the average daily outstanding 
unpaid balance, which is determined by dividing the sum of the daily balances during 
the billing cycle by the number of days in the cycle. Each daily balance of credit 
purchases is determined by adding to the previous balance, new credit purchases 
posted on that date, and subtracting each payment as of the first day of the billing 
cycle, each credit on the date of receipt, but excluding any unpaid finance, late, and 
any other fees.VISA VARIABLE RATE CONSUMER CREDIT CARD DISCLOSURE
6 (c) If you did not pay the previous monthly statement balance in full by the due
date shown on that statement, the interest rate as stated in Section 6 will be imposed 
on the unpaid balance of credit purchases from the previous statement closing date 
and on credit purchases made during the current billing cycle from the transaction 
date and will continue to accrue until the closing date of the billing cycle preceding the 
date on which the entire new balance is paid in full.
The balance of credit purchases subject to finance fee is the average daily outstanding 
unpaid balance, which is determined by dividing the sum of the daily balances during 
the billing cycle by the number of days in the cycle.  Each daily balance of credit 
purchases is determined by adding to the previous balance, new credit purchases 
posted on that date, and subtracting each payment and credit on the date of receipt, 
but excluding any unpaid finance fees, late, and any other fees.
7. Other Fees (See �Service Fees� Disclosure or visit rcu.org)
8. Security Interest
Each purchase and cash advance through your account is a loan by us to you in Wisconsin. 
Y ou agree that the Wisconsin Consumer Act applies to all of these loans (the rate of finance 
fee and the penalties for violation of rate limitations will be governed by state law). If you 
give or have given us or the financial institution named on your card a security interest in 
personal or business property to secure all of your debts, these loans will also be secured 
by that property (except clothing, household furnishings, and deposit accounts). These loans 
will not be secured by any other property.
9. Default: Termination
Y ou will be in default if you fail to make a payment, including a payment under paragraph 
2, on time, twice during any 12-month period. Y ou will also be in default if your ability to 
repay us is materially reduced by bankruptcy or insolvency proceedings involving you, your 
death, or your failure to abide by these regulations. We have the right to demand immediate 
payment of your full account balance if you do not cure your default within 15 calendar days 
after we send you a written notice of default. We have this right, without notice, if the default 
is your third within 12 months, and we notified you of the prior two and you cured those 
defaults.
Y our privilege of using the card and the account shall expire on the date shown on the card 
provided, however, if the card is used after the termination date, you shall remain responsible 
for any fees made after the expiration date. Y ou may terminate your account relationship with 
us at any time by surrendering to us all of your cards, but you will remain liable to us for full 
payment of any balance of your account. We may revoke your card at any time without prior 
notification and without affecting your obligation to pay the account balance.
In the event of past due payments, a past due penalty rate not to exceed 18% annual 
percentage rate for the underlying and penalty rate shall be applied until the account is 
brought current for six months.
10. Monthly Payment
Unless we are prevented by law or unless we believe that your account is uncollectible, 
we will mail you a statement each month in which your account has a balance of $1 or 
more provided, however, that if more than one person is obligated for a card, we need 
only to mail a statement to one of said persons. The fact that we do not send a monthly 
statement to each person obligated on a card shall not relieve any person to whom a 
monthly statement is not sent from liability on the account. This statement will show your 
previous balance, current transactions on your account, amount available under your credit 
line, fees and finance fees, new balance and minimum payments due. Each month you 
must pay at least the minimum payment by the due date on the statement. Y ou may pay 
more than the minimum payment; and if you pay the new balance in full, you may reduce 
or avoid additional finance fees unless you have a cash advance. Each minimum payment 
will be the greater of $25 or 2% of your new balance. A minimum payment is required for 
each statement period in which there is a debit balance in your account; and any additional 
amount paid, while reducing your balance, will not prepay any future minimum payments. 
Any past due minimum payment continues to be due immediately.
11. Preauthorized Payments
Upon your authorization, the preauthorized payments are to remain in full force and 
effect until you cancel an online originated preauthorized payment using online banking/
business online banking, or provide Royal with a written request to terminate preauthorized 
payments that were set up in writing. If you request to change your preauthorized payment, 
the current preauthorization must first be cancelled and a new preauthorized payment 
request must be initiated.
If a preauthorized payment is returned  unpaid, the payment to the credit card account 
will be reversed. Refer to �Service Fees� Disclosure.
Y ou further understand and agree that Royal shall not be responsible for any act or 
failure to act on their part, except in the case of gross negligence or willful misconduct.  
Furthermore, you agree to hold Royal harmless from any claims, liabilities, attorneys� fees, 
and other costs and expenses of any and every kind and nature which may be incurred by 
reason of their performance under the Credit Card Preauthorized Payment request.
12. Foreign Transactions
If your card is used to initiate a cross border transaction or to purchase goods or services 
from a foreign merchant (an �international transaction�), the transaction amount may 
be converted to US dollars using the exchange rate selected by Visa or Mastercard/
Cirrus from the range of rates available in wholesale currency markets for the applicable 
central processing date, which rate may vary from the rate Visa or Mastercard/Cirrus itself 
receives, or the government-mandated rate in effect for the applicable central processing 
date. The date of the conversion may differ from the transaction date and the posting 
date identified in the monthly statement for your account. An international transaction is 
any transaction that you complete or a merchant completes on your card outside of the 
United States, and includes internet transactions made in the United States but with a 
merchant who processes the transaction in a foreign country.  All international transactions 
are charged up to two percent (2%) for the Visa International Service Assessment Fee or 
Mastercard Cross Border fee. See �Service Fees� Disclosure for specific fee information.
13. Disputes
We are not responsible for the refusal or failure of any merchant, bank, or automated 
equipment to honor or accept your card. Except as indicated in the Billing Rights Summary  - 15 -VISA VARIABLE RATE CONSUMER CREDIT CARD DISCLOSURE (CONT.)
below, we are not responsible for any goods or services you purchase with card credit and 
you must resolve all disputes directly with the merchant. It is your responsibility to contact 
the merchant to cancel all preauthorized, recurring, and unauthorized charges. Canceling 
the card will not stop charges posting to the account.
14. Use
Y ou authorize us to pay from your account all items reflecting purchases or cash advances 
made with the Card in spite of the absence of your signature on a draft or the lack of 
presentation of the card.
Notify us at once at 1-800-853-0872 in the U.S. and 301-945-5785 (collect) out of the U.S. 
of any loss, theft, disappearance or possible unauthorized use of your card. Notification 
to us is given when steps have been taken as may be reasonably required in the ordinary 
course of business to provide us with the pertinent information about the loss, theft, or 
possible unauthorized use of a credit card. Notification may be given, at your option, in 
person, by telephone at the numbers above, or in writing.
If you furnish your card or Personal Identification Number (PIN) to another person; you shall 
be deemed to have authorized all transactions that may be accomplished using the card or 
PIN until you have given actual notice to Royal that further transactions are unauthorized. 
Y ou shall be obligated to pay Royal the amount of any money, property, or services 
obtained by the authorized use of the Card or PIN to the extent that Royal is unable to 
charge such amounts to the account; and you hereby authorize Royal to charge the amount 
of any such obligation to any other of your accounts at Royal. Y ou shall at all times: 
1.) Safely keep the card and PIN and not permit anyone else to use them;
2.) Not record the PIN on or near the Card or otherwise disclose or make it available to   
 anyone else;
3.) Use the card, PIN, and terminals only as instructed and only for purposes authorized 
 by Royal;
Some terminal owners and or networks may impose additional transaction fees, which will 
be indicated at that terminal. 
If you give your card number to a merchant to have on file, or for a recurring payment, 
we may send account updates to that merchant. This includes, but is not limited to: new 
expiration dates and new account/card numbers. If you wish to not have us send updates, 
you may request us not to do so. Telephoning is the best way of doing this. Call us at 715-
833-8111 or 1-800-341-9911. If you cannot notify us by phone, you may notify Royal in 
person, or by writing us at:
Credit Card Department  
Royal Credit Union  
PO Box 970  
Eau Claire, WI 54702-0970
15. Effect of and Changes in Regulations
These regulations are the contract that applies to all transactions on your account even 
though the sales, cash advances, or credit slips you sign contain different terms. We may 
change these regulations from time to time by sending you advance written notice and your 
use of the card or the account thereafter will indicate your agreement to those changes. To 
the extent the law permits, and we indicate in our notice, amendments will apply to existing 
account balances as well as future transactions. Our delay in exercising or our failure to 
exercise any of our rights is not a waiver of those rights, and no waiver is valid unless it is 
in writing and signed by us. Y ou authorize us to investigate your credit standing at any time 
and to disclose to others information relating to your credit standing.YOUR BILLING RIGHTS
Keep This Notice for Future Use
This notice contains important information 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:
Royal Cardholder Services  
Attn: Disputes & Inquiries  
PO Box 970
Eau Claire, WI 54702-4702  
In your letter, give us the following information:
� Account information:  Y our 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;  
Y ou 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.  
 
Y ou must notify us of any errors in writing . Y ou can telephone us at 1-800-835-0872, but if you 
do we are not rquired 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 recieve 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 any amount you question or report you as delinquent. 
� 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: Y ou 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: Y ou 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. 
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 also 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 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:
(a) 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;
(b) Y ou 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; and
(c) Y ou must not yet have fully paid for the purchase.
If all of the criteria are met and you are still dissatisfied with the purchase, contact us in writing  
at:
Royal Cardholder Services  
Attn: Disputes & Inquiries  
PO Box 970  
Eau Claire, WI 54702-4702
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.  - 16 -VISA VARIABLE RATE COMMERCIAL CREDIT CARD DISCLOSURE
Keep This Notice for Future Use
As used in this disclosure (the �Regulations�), �you� and �your� means businesses and 
organizations, which means each and all of those who applied for or received or who signed or 
used a card. �Card� means each of your Visa credit cards issued by Royal or its predecessor. 
�We,� �us,� and �our� mean Royal and �account� means your credit card account with us. These 
regulations apply to cards issued to all businesses and organizations unless otherwise stated.
1. Responsibility
If you applied for and received a Card from us, you and all other persons obligated for 
the card agree to these Regulations. If more than one person is obligated on a card, their 
obligation shall be joint and several. Except for unauthorized use of a card, you agree to 
repay all debts and any finance fees, fees, and insurance premiums arising from use of 
the Card on your account. For example, if you are a natural person, you agree to pay all 
amounts owed as a result of use of the card or your account by you, your spouse, and your 
minor children. Y ou agree to pay all accounts owed as a result of use of the card or your 
account by anyone else to whom you give the card or you authorize to use your account. Y ou 
agree to pay to us all attorneys� fees incurred in collecting or attempting to collect amounts 
owed to us as a result of use of the card or your account. Y our card may not be used for 
illegal transactions. We will terminate or withdraw any product or service if used in an illegal 
manner or for an illegal transaction. Y ou agree to hold harmless and indemnify Royal and 
reimburse Royal for losses incurred as a result of using the card for any illegal transactions.
2. Credit Line
We will establish a credit line for you and advise you of its amount. Y ou agree not to let the 
account balance exceed the credit line, but you remain responsible for payment even if it 
does. Any account balance in excess of the credit line is payable immediately. We reserve 
the right to increase or reduce your credit line from time to time without affecting your 
obligation to pay the account balance. All Cards remain our property; and if we request, you 
must recover and surrender to us all cards we have issued on your account.
3. Limitations of the Frequency and Dollar Amounts of Transfers
For security reasons, there are limitations on the number and dollar amount of cash 
withdrawals you may make per day at an ATM or POS terminal.  There also may be 
limitations on the total number and dollar amount of Visa merchant purchases or Visa cash 
advances or Visa ATM withdrawals you may make each day.
Royal reserves the right to make periodic risk assessments and to change your maximum 
daily limits without notice.  We will not reduce your daily limits below $100 without giving you 
prior notice.
Individual terminals or terminal operators may also have limits on the frequency of cash 
withdrawals or deposits performed at their terminals.
4. Finance Fee
The interest will be set on a variable rate. We may increase or decrease the annual 
percentage rate  beginning with the first billing cycle of the next calendar quarter and each 
calendar quarter thereafter. Each date on which the rate may be changed by us is called 
�change date.� The rate applicable to this card is based on an index. The annual percentage 
rate shall equal the highest prime rate published in the Wall Street Journal �Money Rate� 
tables on the last date of publication in the calendar month preceding each change date plus 
a margin of 4.5 percentage points. The calculation of annual percentage rate shall result 
in a minimum rate of 8% and a maximum rate of the allowable usury ceiling. The minimum 
finance fee that will be imposed is $0.50. If we, on any change date, fail to increase the rate 
in accordance with changes in the index, we will not carry over and add any portion of that 
increase to any adjustment made on subsequent change dates.
In addition, there is a past due penalty rate such that the sum of the underlying interest and 
this fee shall equal 18% per annum. It is applied in this fashion: should there be a failure to 
have the account current for two months, then the interest rate, not to exceed 18% shall be 
imposed and shall continue for a period of six months during which there is no past due or 
payment less than called for in the note or agreement, in which event the penalty rate shall 
be removed and the underlying rate applied as long as you are current.
4 (a) Cash advance and balance transfer finance fees accrue on the outstanding daily   
 balance from the date of advance or transfer, through the date paid. The balance of  
 cash advances subject to finance fee is the average daily outstanding unpaid balance,  
 which is determined by dividing the sum of the daily balances during the billing cycle  
 by the number of days in the cycle. Each daily balance of cash advances is determined  
 by adding any new cash advances as of the transaction date or the first day of the   
 billing cycle in which posted, whichever is later, to the previous balance excluding any  
 unpaid finance fee, and subtracting each payment and credit on the date of receipt.
4 (b)  The interest rate as stated in Section 4 (above) will be imposed on credit purchases of  
  goods and services that you obtain through the use of your card only if you elect not  
  to pay the entire new balance shown on your previous monthly statement within 25  
  days from the closing date of the statement. If you elect not to pay the entire new  
  balance shown on your previous monthly statement within 25 days from the closing  
  date of the statement, a finance fee will be imposed on the unpaid balance of credit  
  purchases from the statement closing date and on credit purchases made during the  
  current billing cycle from the transaction date of each such credit purchase to the   
  account and will continue to accrue until the closing date of the billing cycle preceding  
  the date on which the entire new balance is paid in full. 
The balance of credit purchases subject to finance fee is the average daily outstanding 
unpaid balance, which is determined by dividing the sum of the daily balances during 
the billing cycle by the number of days in the cycle. Each daily balance of credit 
purchases is determined by adding to the previous balance new credit purchases 
posted through that date if the previous balance was not paid in full within 25 days of 
the statement closing date, and subtracting each payment and credit on the date of 
receipt, but excluding any unpaid finance fees.
 
5. Other Fees (See �Service Fees� Disclosure or visit rcu.org)
6. Security Interest
Each purchase and cash advance through your account is a loan by us to you in Wisconsin. 
If you give or have given us or the financial institution named on your card a security interest 
in personal or business property to secure all of your debts, these loans will also be secured 
by that property (except clothing, household furnishings). These loans will not be secured 
by any other property. By using your card you are granting us a security interest and lien 
in all your funds in your present and future Royal Credit Union deposit accounts, to the full 
amount of your credit card indebtedness with us.  Should you default under the terms of 
these Regulations, we may, at our sole option and as permitted by law, exercise our right of set-off and apply any portion of, or the entire amount of, such funds toward payment of the 
outstanding indebtedness, and/or, we may exercise our right to refuse to allow withdrawal 
from such accounts to the full extent of the delinquent amount.
7. Default: Termination
Y ou will be in default if you fail to make a payment, including a payment under paragraph 
2, on time, twice during any 12-month period. Y ou will also be in default if your ability to 
repay us is materially reduced by bankruptcy or insolvency proceedings involving you, your 
death, or your failure to abide by these regulations. We have the right to demand immediate 
payment of your full account balance, exercise our right to set-off, and/or commence legal 
action if you are in default, and after complying with any notice requirements mandated by 
law.
Y our privilege of using the card and the account shall expire on the date shown on the card 
provided, however, if the card is used after the termination date, you shall remain responsible 
for any fees made after the expiration date. Y ou may terminate your account relationship with 
us at any time by surrendering to us all of your cards, but you will remain liable to us for full 
payment of any balance of your account. We may revoke your card at any time without prior 
notification and without affecting your obligation to pay the account balance.
In the event of past due payments, a past due penalty rate not to exceed 18% annual 
percentage rate for the underlying and penalty rate shall be applied until the account is 
brought current for six months.
8. Monthly Payment
Unless we are prevented by law or unless we believe that your account is uncollectible, 
we will mail you a statement each month in which your account has a balance of $1 or 
more provided, however, that if more than one person is obligated for a card, we need 
only to mail a statement to one of said persons. The fact that we do not send a monthly 
statement to each person obligated on a card shall not relieve any person to whom a 
monthly statement is not sent from liability on the account. This statement will show your 
previous balance, current transactions on your account, amount available under your credit 
line, fees and finance fees, new balance and minimum payments due. Each month you 
must pay at least the minimum payment within 25 days after the statement closing date. 
Y ou may, of course, pay more than the minimum payment; and if you pay the new balance 
in full, you may reduce or avoid additional finance fees unless you have a cash advance. 
Each minimum payment will be the greater of $10 or 3% of your new balance. A minimum 
payment is required for each statement period in which there is a debit balance in your 
account; and any additional amount paid, while reducing your balance, will not prepay 
any future minimum payments. Any past due minimum payment continues to be due 
immediately.
9. Preauthorized Payments
Upon your authorization, the preauthorized payments are to remain in full force and 
effect until you cancel an online originated preauthorized payment using online banking/
business online banking, or provide Royal with a written request to terminate preauthorized 
payments that were set up in writing. If you request to change your preauthorized payment, 
the current preauthorization must first be cancelled and a new preauthorized payment 
request must be initiated.
If a preauthorized payment is returned unpaid, the payment to the credit card account will 
be reversed. Refer to �Service Fees� Disclosure.
Y ou further understand and agree that Royal shall not be responsible for any act or 
failure to act on their part, except in the case of gross negligence or willful misconduct.  
Furthermore, you agree to hold Royal harmless from any claims, liabilities, attorneys� fees, 
and other costs and expenses of any and every kind and nature which may be incurred by 
reason of their performance under the Credit Card Preauthorized Payment request.
10. Foreign Transactions
If your card is used to initiate a cross border transaction or to purchase goods or services 
from a foreign merchant (an �international transaction�), the transaction amount may 
be converted to US dollars using the exchange rate selected by Visa or Mastercard/
Cirrus from the range of rates available in wholesale currency markets for the applicable 
central processing date, which rate may vary from the rate Visa or Mastercard/Cirrus itself 
receives, or the government-mandated rate in effect for the applicable central processing 
date. The date of the conversion may differ from the transaction date and the posting 
date identified in the monthly statement for your account. An international transaction is 
any transaction that you complete or a merchant completes on your card outside of the 
United States, and includes internet transactions made in the United States but with a 
merchant who processes the transaction in a foreign country. All international transactions 
are charged up to two percent (2%) for the Visa International Service Assessment Fee or 
Mastercard Cross Border fee. See �Service Fees� Disclosure for specific fee information.
11. Disputes
We are not responsible for the refusal or failure of any merchant, bank, or automated 
equipment to honor or accept your card. Except as indicated in the Billing Rights Summary 
below, we are not responsible for any goods or services you purchase with card credit and 
you must resolve all disputes directly with the merchant. It is your responsibility to contact 
the merchant to cancel all preauthorized, recurring, and unauthorized charges. Canceling 
the card will not stop charges posting to the account.
12. Use
Y ou authorize us to pay from your account all items reflecting purchases or cash advances 
made with the Card in spite of the absence of your signature on a draft or the lack of 
presentation of the card.
Notify us at once at 1-800-853-0872 in the U.S. and 301-945-5785 (collect) out of the U.S. 
of any loss, theft, disappearance or possible unauthorized use of your card. Notification 
to us is given when steps have been taken as may be reasonably required in the ordinary 
course of business to provide us with the pertinent information about the loss, theft, or 
possible unauthorized use of a credit card. Notification may be given, at your option, in 
person, by telephone at the numbers above, or in writing.
If you furnish your card or Personal Identification Number (PIN) to another person; you shall 
be deemed to have authorized all transactions that may be accomplished using the card or 
PIN until you have given actual notice to Royal that further transactions are unauthorized. 
Y ou shall be obligated to pay Royal the amount of any money, property, or services 
obtained by the authorized use of the Card or PIN to the extent that Royal is unable to 
charge such amounts to the account; and you hereby authorize Royal to charge the amount 
of any such obligation to any other of your accounts at Royal. Y ou shall at all times:  - 17 -1.) Safely keep the card and PIN and not permit anyone else to use them;
2.) Not record the PIN on or near the Card or otherwise disclose or make it 
available to anyone else;
3.) Use the card, PIN, and terminals only as instructed and only for purposes 
authorized by Royal;
Some terminal owners and or networks may impose additional transaction fees, which will 
be indicated at that terminal. 
If you give your card number to a merchant to have on file, or for a recurring payment, 
we may send account updates to that merchant. This includes, but is not limited to: new 
expiration dates and new account/card numbers. If you wish to not have us send updates, 
you may request us not to do so. Telephoning is the best way of doing this. Call us at 715-
833-8111 or 1-800-341-9911. If you cannot notify us by phone, you may notify Royal in 
person, or by writing us at:
Credit Card Department  
Royal Credit Union  
PO Box 970  
Eau Claire, WI 54702
13. Effect of and Changes in Regulations
These regulations are the contract that applies to all transactions on your account even 
though the sales, cash advances, or credit slips you sign contain different terms. We may 
change these regulations from time to time by sending you advance written notice and your 
use of the card or the account thereafter will indicate your agreement to those changes. To 
the extent the law permits, and we indicate in our notice, amendments will apply to existing 
account balances as well as future transactions. Our delay in exercising or our failure to 
exercise any of our rights is not a waiver of those rights, and no waiver is valid unless it is 
in writing and signed by us. Y ou authorize us to investigate your credit standing at any time 
and to disclose to others information relating to your credit standing.VISA VARIABLE RATE COMMERCIAL CREDIT CARD DISCLOSURE (CONT.)
YOUR BILLING RIGHTS
Keep This Notice for Future Use
This notice contains important information about your rights and our responsibilities under the 
Fair Credit Billing Act.
In Case of Errors or Inquiries about Your Bill
If you think there is an error on your statement, write to us at:
Royal Cardholder Services  
Attn: Disputes & Inquiries  
PO Box 970
Eau Claire, WI 54702
In your letter, give us the following information:
� Y our name and account number;
� The dollar amount of the suspected error;
� Describe the error and explain, if you can, why you believe there is an error. If you need more  
   information, describe the item you are unsure about;
� Send a copy of the statement the disputed charge shows on.
We must hear from you no later than 60 days after we sent you the first bill on which the error 
or problem appeared. Y ou can telephone us at 1-800-835-0872 or write.
If you have authorized us to pay your credit card bill automatically from your savings or 
checking account, you can stop the payment on any amount you think is wrong. To stop the 
payment your letter must reach us seven business days before the automatic payment is 
scheduled to occur.
Your Rights and Responsibilities After We Receive Your Written Notice
We must acknowledge your letter within 30 days unless we have corrected the error by then. 
Within 90 days, we must either correct the error or explain why we believe the bill is correct.
After we receive your letter, we cannot try to collect any amount you question or report you as 
delinquent. We can continue to bill you for the amount you question, including finance fees,  and 
we can apply any unpaid amount against your credit limit. Y ou do not have to pay any
questioned amount while we are investigating, but you are still obligated to pay the parts of your 
bill that are not in question.
If we find that we made a mistake on your bill, you will not have to pay any finance fees related   
to any questioned amount. If we didn�t make a mistake, you may have to pay finance fees, and  
you will have to make up any missed payments on the questioned amount. In either case, we 
will send a statement of the amount you owe and the date that it is due. If you fail to pay the 
amount that we think you owe, we will report you as delinquent. However, if our explanation 
does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we 
must tell anyone we report you to that you have a question about your bill. We must also tell you 
the name of anyone we reported you to. We must tell anyone we report you to that the matter 
has been settled between us when it finally is. - 18 -YOUR ABILITY TO WITHDRAW FUNDS AT ROYAL CREDIT UNION
Applies to transaction accounts...
DEPOSITS MADE IN PERSON AT ROYAL OFFICES
Our policy is to make funds from your cash and check deposits available to you on the first 
business day after the day we receive your deposit. Electronic direct deposits will generally 
be available on the day we receive the deposit. Once they are available, you can withdraw 
the funds in cash and we will use the funds to pay checks that you have written.
After we have made funds available to you and you have withdrawn the funds, you are still 
responsible for checks you deposited that are returned to us unpaid for any reason.
If you make a deposit before the posted closing time of the office you are using, we will 
consider that day to be the date of deposit. However, for determining the availability of your 
deposits, every day is a business day, except Saturdays, Sundays, and federal holidays.
DEPOSITS MADE THROUGH AN ATM
Royal�s policy is to make available immediately up to $225 of your total funds deposited 
daily through a terminal. The remaining funds will become available in compliance with 
regulatory requirements. The balance of your deposited funds generally will be available the 
second business day following the day of deposit.
After we have made funds available to you and you have withdrawn the funds, you are still 
responsible for checks you deposit that are returned to us unpaid for any reason.
For determining the availability of your deposits made through a terminal, every day is 
a business day except Saturdays, Sundays, and federal holidays. If you make a deposit 
through a terminal before 2:30 pm on a business day that we are open, we will consider that 
day to be the day of your deposit. If you make a deposit through a terminal after 2:30 pm or 
on a day we are not open, we consider that the deposit was made on the next business day 
we are open.
DEPOSITS MADE THROUGH A NIGHT DEPOSITORY LOCATED AT A ROYAL OFFICE
Funds from your deposits made through a night depository are posted to your account by 
the close of the business day we receive your deposit. At that time, in most cases you can 
withdraw the funds in cash, and we will use the funds to pay checks that you have written.
After we have made funds available to you and you have withdrawn the funds, you are still 
responsible for checks you deposit that are returned to us unpaid for any reason.
For determining the availability of your deposits through a night depository, every day is a 
business day except Saturdays, Sundays, and federal holidays. If you make a deposit before 
8:00 am on a business day that we are open, we will consider that day to be the day of your 
deposit. However, if you make a deposit after 8:00 am or on a day we are not open, we 
consider that the deposit was made on the next business day we are open.
DEPOSITS MADE FOR ONLINE ACCOUNT ORIGINATION OR THROUGH BILL PAY/
BUSINESS BILL PAY 
Funds from your deposits made through the ACH system or from your debit or credit card 
for online account origination and inbound transfers through Bill Pay/Business Bill Pay 
will be made available on the third business day after the deposit is received by Royal. At 
that time, you can withdraw the funds for cash and we will use the funds to pay items that 
have been submitted for payment from your account. Every day is a business day except 
Saturday, Sunday, and federal holidays.
After we have made funds available to you and you have withdrawn the funds, you are still 
responsible for deposits you have made that are returned to us as unpaid for any reason.
LONGER DELAYS MAY APPLY
In some cases, we will not make all of the funds that you deposit by check available to you 
on the first business day after the day of your deposit. Depending on the type of check that 
you deposit, funds may not be available until the second business day after the day of your 
deposit. The first $225 of your deposits, however, may be available on the first business day.
If we are not going to make all of the funds from your deposit available on the first business 
day, we will notify you at the time you make your deposit. We will also tell you when the 
funds will be available. If your deposit is not made directly to one of our team members, or if 
we decide to take this action after you have left the premises, we will mail you the notice by 
the day after we receive your deposit.
If we cash a check for you that is drawn on another financial institution, we may withhold the 
availability of a corresponding amount of funds that are already in your account. If withheld, 
those funds would be available at the time funds from the check we cashed would have 
been available if you had deposited it. For example, if we cash a $225 check for you, $225 
of funds already in your account will not be available until the beginning of the third business 
day after the day we cashed the check. We will not notify you, if we delay your ability to 
withdraw funds for the reason described in this paragraph, and we will tell you when the 
funds will be available.   
If you will need the funds from a deposit right away, you should ask us when the funds will 
be available.
In addition, funds you deposited by check may be delayed for a longer period under  the 
following circumstances:
 �  We believe a check you deposit will not be paid.
 �  Y ou deposit checks totaling more than $5,525 on any one day.
 �  Y ou redeposit a check that has been returned unpaid.
 �  Y ou have overdrawn your account repeatedly in the last six months.
 �  There is an emergency, such as failure of computer or communications 
equipment.
We will notify you if we delay your ability to withdraw funds for any of these reasons, and we 
will tell you when the funds will be available. They will generally be available no later than 
the fourth business day after the day of your deposit.SPECIAL RULES FOR NEW ACCOUNTS
If you are a new Member, the following special rules will apply during the first 30 days your 
account is open.
Funds from electronic direct deposits to your account will be available on the day we receive 
the deposit. Funds from deposits of cash, wire transfers, and the deposits of cashier�s, 
certified, teller�s, traveler�s, and federal, state and local government checks will be available 
on the first business day after the day of your deposit if the deposit meets certain conditions. 
For example, the checks must be payable to you.  
Funds from all other check deposits will be available on the ninth business day after the day 
of your deposit.
*This funds availability policy applies only to transaction accounts. For checks that are 
deposited to non-transaction accounts and primary Savings Account, longer holds may 
apply. Fraud Alert text messaging is available to notify you of suspected incidents of financial or 
identify fraud.
By entering your mobile phone number(s) you are successfully opting into the Fraud Alerts 
Program, (i) you acknowledge and represent to Royal that you are the authorized user 
of the mobile phone(s), or have been granted permission by the authorized user of the 
mobile phone(s) to opt in such mobile phone(s) in the service; (ii) you grant Royal express 
permission to send text messages to any mobile phone number you have enrolled in the 
Fraud Alerts Program through the mobile phone carrier for each enrolled mobile phone 
number unless and until such permission is  revoked in accordance with these terms and 
conditions; and (iii) by opting in and granting such permission to Royal you are hereby 
expressly requesting to receive such text messages even if the enrolled mobile number(s) 
are on any federal, state, or other �Do Not Call List,� and you agree that such text messages 
shall not be in violation of any restrictions or requirements associated with any such �Do Not 
Call List.�  
Fraud Text Alerts can be cancelled at any time by texting �STOP� to 23618 for your Debit 
Card transactions or 37268 for your Credit Card transactions from your mobile phone. 
Y ou agree that your prior express consent to receive text alerts shall continue indefinitely 
unless you comply with the method described in the above sentence for cancelling your 
prior express consent. Y ou agree that other methods or means attempted to revoke your 
prior express consent (e.g. phone call to a Royal, a letter sent to a Royal address, an 
email sent to a Royal email address, a conversation with or a voicemail message left with 
a Royal team member, etc.) are not valid means for revoking your consent and will not be 
recognized by Royal, and you hereby release Royal from any liability related to your efforts 
to revoke your prior express consent by other methods or means.
If revoking your consent by texting  �STOP� to 23618 for your Debit Card transactions 
or 37268 for your Credit Card transactions , your text message must contain only the 
word �STOP� without any additional words, spaces, or characters either before or after the 
word �STOP .�  Y ou hereby release Royal from any liability for your efforts to revoke your 
permission via a text message that does not strictly comply with the terms stated in the first 
sentence of this paragraph.   
By opting into Fraud Text Alerts, you hereby grant Royal express permission (without 
qualification) to respond to your cancellation request by texting �STOP� to 23618 for your 
Debit Card transactions or 37268 for your Credit Card transactions with a confirmatory 
text message in return that will (i) confirm receipt of your cancellation request as well as 
(ii) indicate that you will no longer receive text alerts from Royal. Royal will reasonably 
endeavor to send you a text message confirming your cancellation of text alerts in a timely 
manner.
Royal does not charge a fee for Fraud Text Alerts. Check your mobile phone carrier plan 
details to see what rates may apply.  The number of text alerts you may receive depends on 
the frequency and nature of your financial activity.
Royal reserves the right to change these terms or cancel the Fraud Text Alerts at any time. 
Please check this Disclosure on a regular basis for changes. Y our continued use of and 
acceptance of text alerts after changes to the Disclosure are posted will mean that you 
accept the modified terms.
In no event and under no cause of action, including negligence, shall Royal or its vendors or 
their respective affiliates, officers, directors, customers, members, employees or authorized 
agents (collectively, the �providers�), or your mobile phone carrier(s), be liable for any 
damages, claims or losses incurred (including direct, compensatory, incidental, indirect, 
special, consequential or exemplary damages), however caused and under any theory of 
liability, arising from or in connection with text Alert services, and/or these terms, even if a 
provider is advised of the possibility of such damages, claims or losses.
Without limiting the generality of the foregoing, the providers shall not be liable to you or 
any third party for: (i) your use of or inability to use the Fraud Text Alerts for any reason; (ii) 
any inaccuracy, incompleteness or misinformation contained in any information provided 
through the Fraud Text Alerts; (iii) unauthorized access to, or alteration or loss of, your 
transmissions, data or other information that is collected, stored or sent in connection 
with the Fraud Text Alerts; (iv) errors, system down time, network or system outages, file 
corruption or service interruptions; or (v) any other use by you of the Fraud Text Alerts. In 
addition, the providers shall not be liable if the Fraud Text Alerts cannot (or any part thereof) 
cannot be provided or for any failure to perform any obligations contained in these terms 
due to, directly or indirectly, the failure of any equipment, transmission or delivery problems, 
or any industrial dispute, war, natural disaster, act of terrorism, explosion, act of god or any 
other event beyond our control.
Y ou can text  �HELP� to 23618 for your Debit Card transactions or 37268 for your Credit 
Card transactions for help or call Royal at 800-341-9911 for more information.FRAUD ALERTS PROGRAM
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800-341-9911 � rcu.org
842 10/01 (Rev. 01/21)