1.Using Your Account. If you are approved for an Account, the Credit Union will establish aline-of-credit for you and notify you of your credit limit. You agree that your credit limit is themaximum amount (purchases, cash advances, finance charges, plus �other charges�) that you will have outstanding on your Account at any time. Each payment you make to your Account will restore yourcredit limit by the amount of the payment unless you are over your credit limit. If you are over yourcredit limit, you must pay the amount you are over before payments will begin to restore your creditlimit. You may request an increase in your credit limit only by a method acceptable to the Credit Union.The Credit Union has the right to reduce your credit limit, refuse to make an advance and/or terminateyour Account at any time for any reason not prohibited by law.2.Using Your Card. You may use your Card to make purchases from merchants and others whoaccept Mastercard Cards. However, you may not use your Card to initiate any type of electronicgambling transaction through the Internet. In addition, you may obtain cash advances from the CreditUnion and from other financial institutions that accept Mastercard Cards, and from some automated teller machines (ATMs). (Not all ATMs accept Mastercard Cards.) To obtain cash advances from anATM, you must use the Personal Identification Number (PIN) that is issued to you for use with yourCard. You agree that you will not make or permit to be made the use of your Card for any transactionthat is illegal under applicable federal, state or local law. The Credit Union is not responsible for therefusal of any merchant or financial institution to honor your Card.3.Responsibility. You agree to pay all charges (purchases, balance transfers and cash advances) to your Account that are made by you or anyone whom you authorize to use your Account. You also agree to pay all finance charges and other charges added to your Account under the terms of this Agreement or another agreement you made with the Credit Union. If this is a joint Account, Section 16 below also applies to your Account.4.Finance Charges. You will pay a Finance Charge on all purchases, cash advances and balance transfers made against your Account. Finance Charges for cash advances will begin to accrue on thedate of the advance. New purchases and balance transfers will not incur a Finance Charge on the datethey are posted to your Account if you have paid the Account in full by the Payment Due Date shownon your previous monthly statement or if there was no previous balance. The Payment Due Date willnot be less than 25 days from the billing cycle closing date shown on your statement. No additional Finance Charge will be imposed on purchases and balance transfers whenever you pay the Account in full on or before the Payment Due Date reflected on your statement. A Standard variable 
 ANNUAL PERCENTAGE RATE will be applied to your Account. We will add a �Margin� to an �Index Rate� todetermine your standard variable rate. The periodic rates used to compute the Finance Charge is basedon an index (the �Index�), which is the Prime Rate as published in the Money Rates section of The Wall Street Journal on the last business day of the month and is subject to change monthly on the first day of each month. Any change in the Index will be effective on the first day of the billing cycle thatends on or after the date of the change. An increase or decrease in the Index will result in an increase ordecrease in the periodic rate, which in turn, may result in higher or lower payments. The �Margin� forpurchases and balance transfers will be 7.50% to 18.00%, based on your creditworthiness. The�Margin� for cash advances will be 10.50% to 18.00%, based on your creditworthiness. TheseANNUAL PERCENTAGES are collectively referred to in this Agreement as the Standard Rate. TheStandard Rate Monthly Periodic Rates and corresponding ANNUAL PERCENTAGE RATES for alladvances are set forth as of the last update in this agreement. The Finance Charge is figured by applying the periodic rate to the �Balance Subject to Finance Charge� which is the �Average Daily Balance� of your Account, including certain current transactions. The Average Daily Balance is arrivedat by taking the beginning balance of your Account each day, adding in any new cash advances and balance transfers, and unless you pay your Account in full by the Payment Due Date shown on the previous monthly statement or there is no previous balance, adding in new purchases, and subtracting any payments or credits and unpaid Finance Charges. This gives us the daily balance. The daily balances for the billing cycle are then added together and divided by the number of days in the billingcycle. The result is the Average Daily Balance. The Finance Charge is determined by multiplying theAverage Daily Balance by the number of days in the billing cycle and applying the periodic rate to theproduct.5.Other Charges. The following other charges (fees) will be added to your Account, as applicable:
a. Late Payment Fee:  A late charge of up to $25.00 will be added to your account if you are late in
making a payment.
b. Non-Sufficient Funds Fee: If a check or share draft or any other form of payment used to make a
payment on your account is returned unpaid, you will be charged a fee of up to $25.00.
c. Document Copy Fee: You will be charged a $5.00 fee for each copy of a sales draft or statement
that you request (except when the request is made in connection with a billing error made by the
Credit Union.
d. Card Replacement Fee: You will be charged a $10.00 fee for each replacement card that is issued
to you for any reason other than expiration of a current card or normal usage of card.
e. Cash Advance Fee: A cash advance fee of 3% of the transaction will be assessed, with a minimum 
of $10.00 and a maximum of $150.00.  
f. EZ Pay Fee: When calling into 1-800-442-4757, and using the Operator Assisted payment option,
to make a payment on an  expedited same day basis, a fee of $8.00 will be charged in addition to the payment. 
g. Collection Costs: You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs and reasonable attorney�s fees.
h. Credit Card Quick Delivery: You may be charged a Credit Card Quick Delivery fee in the amount
of $35.00
i. The information about the costs of the card described in this application is accurate as of February
2020. This information may have changed after that date. To find out what may have changed, call
us at 844-517-3611 or write us at 9077 Charlotte Highway, Portland, MI 48875.6.Payments. Each month you must pay at least the minimum payment shown on the statement no later than the 14th of the month. You may pay more frequently, pay more than the minimum paymentor pay the Total New Balance in full. If you make extra or larger payments, you are still requiredto make at least the minimum payment each month your Account has a balance (other than a creditbalance). The minimum payment is 2.5% of your Total New Balance, or $25.00, whichever is greater,plus the amount of any prior minimum payments that you have not made, and any amount you are overyour credit limit. The Credit Union also has the right to demand immediate payment of any amountby which you are over your credit limit. All payments made to us must be in U.S. Dollars. Payments mailed to PFCU, 9077 Charlotte Highway, Portland, MI 48875 must be received at that location by 5:00 p.m. to be effective the same day. In some cases, available credit may be delayed until thepayment is verified. To pay by a certain date means to send your payment so that we receive it andcredit it to your Account by that date.PFCU MASTERCARD� PLATINUM AGREEMENT & DISCLOSURE
In this Agreement the words �you� and �your� mean each and all of those who agree to be bound by this Agreement; �Card� means the Mastercard� credit card and any duplicates, renewals, or substitutions the Credit Union issues to you; �Account� means your Mastercard credit card line-of-credit account with the PFCU, and �Credit Union� means PFCU whose name appears on this Agreement or anyone to whom PFCU transfers this Agreement.
How We Will Calculate Your Balance : We use a method called �average daily balance (including new purchases).� See account agreement for more details.Billing Rights: Information on your rights to dispute transaction and how to exercise those rights is provided in your account agreement.* Annual Percentage Rate+Your standard APR* may vary and is based on Prime Rate. Your rate is determined by adding a margin to the Prime Rate. The Prime Rate Index used to determine your APR* is the rate published in the Money Rates section of The Wall Street Journal on the last business day of the month and is subject to change monthly on the first day of each month. (See account agreement for compete details)The �Margin� for purchases and balance transfers will be 7.50% to 18%, based  on your creditworthiness.The �Margin� for cash advances will be 10.50% to 18.00%, based on your creditworthiness.PFCU reserves the rights as permitted by law to change rates APR*, terms and fees at its discretion. Military Lending Act Disclosures: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit.  In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36%. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).Please call us at 1-800-647-5829 to receive Military Lending Act oral disclosure above and a description of the payment obligation. MASTERCARD  PLATINUM
 Interest Rates and Interest Charges
Annual Percentage Rate 
(APR)
Purchases and Balance TransfersCash Advance APR
Annual FeeMinimum Finance ChargeBalance Transfer FeeReturn Payment FeeHow to Avoid Paying Interest on PurchasesFor Credit Card Tips from the Consumer Financial Protection BureauInternational Transaction FeeLate FeeCash Advance FeeNoneNoneNoneUp to $25.00Your due date is the 14th of each month. You have a grace period of 25 days. We will not charge you interest if you pay your entire balance by the 14th.To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore1% of each international transactionUp to $25.00 per statement period3% of Transaction$10.00 Minimum$150.00 Maximum12.25%  to
18.00% APR*+,
based on your creditworthiness.
Your APR will vary with the market based on the Prime Rate
14.75%  to 
18.00%  APR***
based on your creditworthiness.
Your APR will vary with the market based on the Prime Rate
Fees CREDIT INSURANCE:Credit insurance is available to you for a nominal cost. W
Yes No
1.  Complete applicant and co-applicant section providing information about you and the other party 2.  Each joint applicant must sign.
SECURITY AGREEMENT AND PLEDGE. By signing this application, acceptance or authorized use of any credit card(s) issued, I/we pledge all shares and deposits as defined by our Membership Agreement to secure payment of my/our obligations on this account. Additional Security: I/we understand that collateral securing other loans will secure this account; and that property purchased with my/our credit card(s) will also secure this account.
If you are applying for credit in you name only, do not complete portion on co-applicant.                     Check One Co-Applicant (Joint)        Authorized Users
CO-APPLICANT NAME
HOME ADDRESS (STREET & NO.)                                                    HOW LONG?
CITY � STATE � ZIP
PREVIOUS HOME  ADDRESS                                                    HOW LONG?
HOME PHONE NUMBER                                       CELL NUMBER
SOCIAL SECURITY NUMBER                          BIRT H DATE
MOTHER�S MAIDEN NAME                          DRIVERS LICENSE NUMBER
E-MAIL ADDRESS
MORTGAGE PAYMENT                                          RENT P AYMENT
BUSINESS PHONE NUMBER                          GROSS MONTHLY  INCOME
EMPLOYER                                             POSITION                         HOW LONG?BUSINESS ADDRESS
Alimony, child support, or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation
NAME OF A REFERENCE NOT LIVING WITH YOU: ADDRESS (CITY -STATE-ZIP)                                                           PHONE #                   RELATIONSHIP
Are you a co-borrower, co-signer, endorser, If �yes�
or guarantor on any loan or contract? Yes          No                 for whom? To whom?
APPLICANT�S SIGNATURE    DAT E                CO-APPLICANT�S SIGNATURE  (Joint credit box must be checked above)   DATE
APPROVED  NOT AP PROVED PFCU MASTERCARD� PLATINUM AGREEMENT & DISCLOSURE CONTINUED
7.Payment Allocation. Your minimum payment will be applied to what you owe the Credit Union in accordance with applicable laws. Any excess will be allocated to your accounts highest interest (APR*) balances before lower interest (APR*) balances.8.PLEDGE OF SHARES AND SECURITY INTEREST . BY SIGNING AN APPLICATION, ACCEPTANCE OR AUTHORIZED USE OF ANY CREDIT CARDS, YOU GRANT AND PLEDGE ALL OTHER SHARES AND DEPOSITS,INCLUDING FUTURE ADDITIONS, AS SECURITY YOU HA VE IN ANY INDIVIDUAL OR JOINT ACCOUNT WITH THE CREDIT UNION, EXCEPT FORSHARES IN AN INDIVIDUAL RETIREMENT ACCOUNT OR IN ANY OTHERACCOUNT THAT WOULD LOSE SPECIAL TAX TREATMENT UNDER STATE OR FEDERAL LAW IF GIVEN AS SECURITY . IN CASE YOU DEFAULT, YOUAUTHORIZE THE CREDIT UNION TO APPLY THE BALANCE IN THESE OTHER SHARES AND DEPOSITS TO THE PAYMENT OF ALL SUMS DUE AT THE TIME OF DEFAULT, INCLUDING COLLECTION COSTS ANDREASONABLE ATTORNEY�S FEES UNDER THIS AGREEMENT. COLLATERAL SECURING OTHER LOANS YOU HA VE WITH THE CREDIT UNION MAY ALSO SECURE THIS LOAN, EXCEPT THAT A DWELLING WILL NEVER BE CONSIDERED AS SECURITY FOR THISACCOUNT, NOTWITHSTANDING ANYTHING TO THE CONTRARY INANY OTHER AGREEMENT. IF YOU GIVE THE CREDIT UNION A SPECIFICPLEDGE OF SHARES BY SIGNING A SEPARATE PLEDGE OF SHARES, YOURPLEDGED SHARES WILL SECURE YOUR ACCOUNT. YOU MAY NOT WITHDRAW AMOUNTS THAT HA VE BEEN SPECIFICALLY PLEDGED TOSECURE YOUR ACCOUNT UNTIL THE CREDIT UNION AGREES TO RELEASEALL OR PART OF THE PLEDGED AMOUNT.9.Default. You will be in default if you fail to make any minimum payment or otherrequired payment by the date that it is due. You will be in default if you break anypromise you make under this Agreement. You will be in default if you die, file forbankruptcy or become insolvent, that is, unable to pay your obligations when they become due. You will be in default if you make any false or misleading statements in any credit application or credit update. You will also be in default if somethinghappens that the Credit Union believes may substantially reduce your ability to repay what you owe. When you are in default, the Credit Union has the right to demandimmediate payment of your full Account balance without giving you notice. Youexpressly waive notice of intent to accelerate and notice of acceleration. If immediatepayment is demanded, you agree to continue paying finance charges, at the standard periodic rate or the penalty rate before default, until what you owe has been paid, andany shares that were given as security for your Account may be applied towards whatyou owe.10.Liability for Unauthorized Use-Lost/Stolen Card Notification. You will notbe liable for any unauthorized use of your Card if: a) you can demonstrate that youhave exercised reasonable care in safeguarding your card from the risk of loss or theft,and b) upon becoming aware of unauthorized use, you promptly notify us at 9077Charlotte Highway, Portland, MI 48875 in writing or telephone us at (800) 442-4757,to report the loss or theft.11.Changing or Terminating Your Account. The credit union may add to, change, or delete the terms of this Agreement from time to time. Notice of any change will begiven in accordance with applicable law. If permitted by law and specified in the noticeto you, the change will apply to your existing Account balance as well as to future transactions. Either you or the Credit Union may terminate this Agreement at anytime, but termination by you or the Credit Union will not affect your obligation to paythe Account balance plus any finance and other charges and fees you owe under this Agreement. You are also responsible for all transactions made to your Account aftertermination, unless the transactions were unauthorized. The Card or Cards you receiveremain the property of the Credit Union and you must recover and surrender to theCredit Union all Cards upon request or upon termination of this Agreement whether byyou or the Credit Union. The Credit Union has the right to require you to pay your fullAccount balance at any time after your Account is terminated, whether it is terminatedby you or the Credit Union. If this is a joint Account, Section 16 of this Agreementalso applies to termination of the Account.12.Credit Information. You authorize the Credit Union to investigate your creditstanding when opening or reviewing your Account. You authorize the Credit Unionto disclose information regarding your Account to credit bureaus and creditors whoinquire about your credit standing.13.Returns and Adjustments. Merchants and others who honor your Card may give credit for returns or adjustments, and they will do so by sending the Credit Union a credit slip which will be posted to your Account. If your credits and payments exceedwhat you owe the Credit Union, the amount will be applied against future purchases and cash advances. If the credit balance amount is $1 or more, it will be refunded uponyour written request or automatically after six (6) months.14.Additional Benefits/Card Enhancements. The Credit Union may from time to time offer additional services to your Account, such as travel accident insurance or rewards programs, at no additional cost to you. You understand that the Credit Union is not obligated to offer such services and may withdraw or change them at any time.15.International Transactions. If you authorize an international transaction withyour Mastercard, Mastercard International Incorporated will convert the charge into aU.S. dollar amount. Mastercard International will use its currency conversionprocedure, which is disclosed to institutions that issue Mastercard Cards. Currently, the currency conversion rate used by Mastercard International to determine thetransaction amount in U.S. dollars for such transactions is generally either a government mandated exchange rate or a wholesale exchange rate selected byMastercard International for the applicable currency on the day the transaction isprocessed, which rate may differ from the applicable rate on the date the transactionoccurred or when the transaction is posted to your Account. We will charge a 1%Foreign Transaction Fee on all international transaction amounts, whether or not suchamounts are charged in U.S. dollars.16.Joint Accounts. If this is a Joint account, each person on the Account must sign the Agreement (by signing on the application). Each of you will be individually andjointly responsible for paying all amounts owed under this Agreement. This means that the Credit Union can require any one of you individually to repay the entire amountowed under this Agreement. Each of you authorizes the other(s) to make purchases orcash advances individually. Any one of you may terminate the Account and the termination will be effective as to all of you.17.Effect of Agreement. This Agreement is the contract which applies to alltransactions on your Account even though the sales, cash advances, credit or other slips you sign or receive may contain different terms.18.No Waiver. The Credit Union can delay enforcing any of its rights any number oftimes without losing them.19.Statements and Notices.  Statements and notices will be mailed to you at themost recent address you have given the Credit Union. Notice sent to any one of you will be considered notice to all.20.Final Expression. This Agreement is the final expression of the terms andconditions of this Mastercard line of credit between you and the Credit Union. Thiswritten Agreement may not be contradicted by evidence of any alleged oralagreement.21.Copy Received. You acknowledge that you have received a copy of this Agreement.22.Agreement and Acknowledgment. By signing an application for the Card orby using the Card, you agree to all the terms and conditions and promise to performall the obligations, requirements and duties set forth in this Agreement. You also acknowledge receipt of a copy of this Agreement.23.Travel: When you travel outside of the United States, notify the credit unionprior to travel, to assure acceptability.24.Neural Network: PFCU uses neural network systems to predict and preventunauthorized transactions. There may be occasions when a transaction is declined because it is indicative of possible fraudulent activity.25. Skip Pay Option: At our discretion, we may offer you the opportunity to notmake (�Skip�) a minimum payment during certain designated billing cycles (�Skippayment period�). If you do not make your minimum payments as provided in thisAgreement during such designated billing cycles, you understand that the Credit Union will continue to apply finance charges to your account, beginning with thebilling cycle following an allowed skip pay period. All other provisions of thisAgreement will apply. Credit Union is not obligated to accept your application forany skip payment period offered, and you consent the Credit Union to examine yourcreditworthiness including obtaining consumer credit reports. After the Skippayment period, your required minimum payment will return to the amountdetermined under the standard terms of your account.YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USEThis notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.Notify Us In Case of Errors or Questions About Your BillIf you think your bill is wrong, or if you need more information about a transaction on your bill, write us on a separate sheet at the address listed on your bill. Write to us as soon as possible. We must hear from you no later than sixty (60) days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights.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 not
sure about.
If you have authorized us to pay your credit card bill automatically from your savings or share draft Account, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us three (3) business days before the automatic payment is scheduled to occur.Your Rights and Our Responsibilities After We Receive Your Written Notice.We must acknowledge your letter within thirty (30) days, unless we have corrected the error by then. Within ninety (90) days, we must either correct the error or explain why we believe the bill was 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 charges, and we can apply an unpaid amount against your credit limit. You 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 charges related to any questioned amount. If we didn�t make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you 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 may report you as delinquent. However, if our explanation does not satisfy you and you write to uswithin ten (10) 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. And, we must 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.If we don�t follow these rules, we can�t collect the first $50 of the questioned amount, even if your bill was correct.Special Rule for Credit Card PurchasesIf you have a problem with the quality of property or services that you purchased with a credit card and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. There are two (2) limitations on this right;
a) you must have made the purchase in your home state or, if not within
your home state, within one hundred (100) miles of your current mailing
address; and
b) the purchase price must have been more than $50.
These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services.Please call us at 1-800-647-5829 to receive Military Lending Act oral disclosure above and a description of the payment obligation.
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