Interest Rates and Interest Charges for CommunityAmerica Credit Union 

•  Annual Percentage Rate (APR) for Purchases: 

o  COMMUNITYAMERICA VISA® PLATINUM CREDIT CARD:  10.24% to 22.24%1 when you open your 

account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime 
Rate2. 

o  COMMUNITYAMERICA VISA® PLATINUM REWARDS CREDIT CARD:  12.24% to 19.24%1 when you open 
your account, based on your creditworthiness. After that, your APR will vary with the market based on the 
Prime Rate2. 

o  COMMUNITYAMERICA VISA® PLATINUM CASHBACK CREDIT CARD:  13.24% to 20.24%1 when you open 

your account, based on your creditworthiness. After that, your APR will vary with the market based on the 
Prime Rate2. 

•  APR for Balance Transfers: 

o  COMMUNITYAMERICA VISA® PLATINUM CREDIT CARD:  10.24% to 22.24% This APR will vary with the 

market based on the Prime Rate3. 

o  COMMUNITYAMERICA VISA® PLATINUM REWARDS CREDIT CARD:  12.24% to 19.24% This APR will 

vary with the market based on the Prime Rate3. 

o  COMMUNITYAMERICA VISA® PLATINUM CASHBACK CREDIT CARD:  13.24% to 20.24% This APR will 

vary with the market based on the Prime Rate3. 

•  APR for Cash Advances: 

o  COMMUNITYAMERICA VISA® PLATINUM CREDIT CARD:  10.24% to 22.24% This APR will vary with the 

market based on the Prime Rate. 

o  COMMUNITYAMERICA VISA® PLATINUM REWARDS CREDIT CARD:  12.24% to 19.24% This APR will 

vary with the market based on the Prime Rate. 

o  COMMUNITYAMERICA VISA® PLATINUM CASHBACK CREDIT CARD:  13.24% to 20.24% This APR will 

vary with the market based on the Prime Rate. 

•  Minimum Interest Charge:  None 

•  How to Avoid Paying Interest on Purchases:  Your due date is at least 21 days after the close of each billing 
cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. 

•  For Credit Card Tips from the Consumer Financial Protection Bureau:  To learn more about factors to 

consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau 
at http://www.consumerfinance.gov/learnmore 

Fees 
•  Annual Fee:  None 

•  Transaction Fees: 

o  Balance Transfer:  Either $5 or 3% of the amount of each transfer, whichever is greater (maximum fee: $75). 
o  Cash Advance:  Either $5 or 3% of the amount of each cash advance, whichever is greater (maximum fee: 

$75). 

o  Foreign Transaction:  1% of each transaction in U.S. Dollars. 1% of each transaction made in currencies other 

than U.S. dollars. 

•  Penalty Fees: 

o  Late Payment:  Up to $35 

How  We  Will  Calculate  Your  Balance:  We  use  a  method  called  “average  daily  balance  (including  new 
purchases).” 
1  The  Annual  Percentage  Rate  (APR)  is  determined  by  consideration  of  your  credit  history  and  the  application 
information you provided. The APR will be disclosed to you with the Cardholder Agreement. You will receive with 
your new credit card, approximately 7-10 business days after account approval. 
2 The Prime Rate used to determine the APR on your account is the rate published in The Wall Street Journal in its 
column called ”Money Rates” on the first business day of each month. There is no ceiling on the applicable APR. 

 
 
 
 
 
 
 
 
 
 
 
Payment Allocation: We will allocate your minimum payment in the manner we determine. We will apply the amount 
in excess of the minimum payment to balances with higher APRs before balances with lower APRs. 
3  Balance  Transfer  must  be  from  an  existing  credit  card  with  another  institution.  You  understand  to  close  an 
account with another credit card company, you must notify the issuer directly. The Balance Transfer will be posted 
to your Account as a Cash Advance. The balance transfer fee is 3% with a minimum of $5 and a maximum of $75 
for each balance transfer posted to your account. Balance transfers do not earn rewards or cash back. If a balance 
transfer transaction would cause you to exceed your account credit limit, you authorize us to process your balance 
transfers for an amount less than the full amount requested. Making additional transactions may still cause you to 
exceed  your  account  credit  limit.  You  may  only  make  balance  transfers  to  accounts  that  list  you  as  an 
accountholder. There is no grace period on balance transfers. Please allow up to 6 weeks for the balance transfer 
to post to the Account.  

I  agree  to  be  bound  by  the  agreement  governing  my  account.  I  understand  that  the  agreement  governing  the 
account  also  provides,  among  other  things,  that  the  account  terms,  including  the  APRs  and  fees,  are  subject  to 
change. I agree to be liable for all charges to my account, including charges incurred with any Additional Card(s) 
issued on my account now or in the future. 

State Law Disclosures  
Notice to California Residents: Married applicants may apply for credit separately.  
Notice to Ohio Residents: Ohio laws against discrimination require that all creditors make credit equally available 
to  all  creditworthy  customers,  and  that  credit  reporting  agencies  maintain  separate  credit  histories  on  each 
individual upon request. The Ohio Civil Rights Commission administers compliance with this law.  
Notice to New York Residents: Upon request, we will inform you of the names and addresses of any consumer 
reporting agencies which have provided us with reports.  
Notice  to  Married  Wisconsin  Residents:  No  provision  of  a  marital  property  agreement,  unilateral  statement  or 
court  order  applying  to  marital  property  will  adversely  affect  the  creditor’s  interest  unless  the  creditor,  prior  to  the 
time credit is extended, is furnished with a copy of the agreement, statement or order, or has actual knowledge of 
the adverse provision. In addition, applicant must submit the name and address of spouse with this application. 

Credit Card Agreement for CommunityAmerica Credit Union 
This document together with the Account Opening Disclosure that was either delivered with this agreement or with 
your card is an agreement (the “Agreement”) between you, the cardmember, and CommunityAmerica Credit Union. 
This  Credit  Card  Agreement  is  for  your  credit  card  account  with  CommunityAmerica  Credit  Union  (the  “Credit 
Union”),  and  the  Card(s)  which  has/have  been  given  to  you  in  connection  with  your  Account.  Such  Account  and 
Card(s)  provide  you  with  credit  card  services.  Your  use  of  the  Account  or  any  payment  on  the  Account  indicates 
your  acceptance  on  the  terms  of  this  Agreement.  “You”  and  “your”  mean  any  applicant  for  the  Account,  and  any 
person using the Account and/or related Card(s) with the expressed or implied permission of any of the applicants. 
Any person whose name appears on the Account for the Card(s) issued by the Credit Union under this Agreement 
consents,  either  by  using  or  permitting  another  to  use  the  Card(s),  to  all  provisions  of  this  Agreement.  “We”,  “us” 
and “our” means the Credit Union, our successors and assigns.  

DEFINITIONS:  
Account means your credit card account. 

Annual Fee means a fee charged on a yearly basis for your continued use of the Account. 

APR means Annual Percentage Rate. 

ATM means Automated Teller Machine. 

Average Daily Balance is determined by adding the outstanding balance for each day in the billing cycle, and then 
dividing by the number of days in the billing cycle. 

Balance  Transfer  means  an  advance  made  when  transferring  a  balance  from  another  creditor  to  your  Account. 
You may not transfer a balance from another loan account with us to this Account.  

Business Days are Monday through Friday, excluding Federal holidays. 

 
 
 
 
 
 
 
 
 
 
 
Card means the physical card(s), the Account number, or any device (such as a Check) that can be used to access 
your Account. 
Cash Advance means an advance made when you use your Card or Account to: obtain cash from an ATM; obtain 
cash from any other source; make a wire transfer; buy foreign currency; buy traveler’s checks; buy money orders; 
buy lottery tickets; buy gambling chips and wagers; or cash a Convenience Check.  

Check or Convenience Check means any check we send to you to access your Account. We will tell you whether 
we will treat the Check as a Purchase, Balance Transfer or Cash Advance. You may not use these Checks to pay 
any amount you owe us. We have the right not to pay a Check for any reason. 

Charges are costs imposed as part of this Agreement and include both Interest Charges and Fees. 

Daily  Periodic  Rate  means  a  rate  calculated  from  the  applicable  APR.  The  daily  periodic  rate  is  equal  to  the 
applicable APR divided by 365.  

Fees means non-interest charges, including transaction fees. 

Foreign Transaction means any transaction made in a foreign currency, and any transaction made in U.S. dollars 
if  the  transaction  is  made  or  processed  outside  of  the  United  States.  Foreign  transactions  include,  for  example, 
online purchases from foreign merchants. The card network that processes these transactions will calculate a U.S. 
dollar amount for each such transaction using its own currency conversion procedures. Each network uses either a 
government  mandated  or  wholesale  rate  in  effect  on  the  date  that  the  network  processes  the  transaction,  which 
may  differ  from  the  rate  that  the  network  itself  receives  and  which  may  be  the  least  favorable  rate  the  network 
identifies from a reasonable range of customary sources. The rate in effect on the processing date may not be the 
same as any rate in effect on the date that you made the transaction or on the date that the transaction posts to 
your Account.  

Grace Period means the period of time during which you can avoid paying Interest Charges on certain transactions 
or balances.  

Interest Charges means the portion of Charges attributed to periodic interest rates. 

Introductory Rate means any Promotional Rate offered when you open your Account. 

Prime Rate means the U.S. Prime Rate published in the Wall Street Journal in its column called “Money Rates” on 
the last Business Day of each month. If more than one U.S. Prime Rate is published by the Wall Street Journal, we 
may choose the highest of such rates to use in calculating your APR. If the Wall Street Journal no longer publishes 
a prime rate, we will use a similar published rate that we choose. 

Promotional Balance means the balance subject to any Promotional Rate or Introductory Rate. 

Promotional Rate is a rate other than the standard rate, tied to a special offering.  

Purchase means the use of your Card to buy or lease merchandise or services, and does not include any type of 
Cash Advance. The purchase of cash or cash equivalents, like casino chips or lottery tickets, is a cash advance, 
not a purchase. 

Statement means your billing statement. 

Transaction Date means the date shown on your billing statement for a transaction or fee. 

PROMISE  TO  PAY:  You  agree  to  pay  all  authorized  charges  on  the  Statement,  including  Interest  Charges  and 
Fees.  To  the  extent  permitted  by  applicable  law,  you  also  promise  to  pay  all  costs  and  expenses,  including 
reasonable attorney’s fees that we incur in enforcing this Agreement.  

CHANGE IN TERMS: We may change the terms of this Agreement, including APRs and Fees, from time to time. 
We  may  also  add  new  terms  or  delete  terms.  If  required  by  law  we  will  give  you  advance  written  notice  of  the 
change(s) and a right to reject the change(s). If you reject a change, your Account will be cancelled and you will no 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
longer be able to use the Account. Cancellation of your Account will not affect your liability to us for credit we have 
extended to you, including amounts not yet billed to your Account. 

OUR COMMUNICATIONS WITH YOU: You agree that our personnel may listen to or record phone calls between 
you and our representatives without additional notice to you including calls we make to collect debts. We may use 
any  medium  permitted  by  law,  including  mail,  live  telephone  calls,  automated  telephone  equipment,  pre-recorded 
telephone calls, e-mail, text messages and calls to your cell phone (which may be at your expense) to contact you 
about your Account or to offer you products or services that may be of value to you.  

USING YOUR ACCOUNT: Your Account is a consumer Account, and is not for business purposes. You agree not 
to use your Account for unlawful purposes or transactions. It is not our responsibility to make sure that you use your 
Account  only  for  permissible  transactions,  and  you  will  remain  responsible  for  paying  a  transaction  even  if  is  not 
permissible.  

AUTHORIZED USERS: If you let anyone use your Account, that person is an authorized user. You are responsible 
for any use of your Account by an authorized user, even for transactions for which you may not have intended to be 
liable.  You  must  tell  us  if  you  want  to  stop  an  authorized  user  from  using  your  Account.  You  are  responsible  for 
getting  any  Cards,  Checks  or  other  means  of  accessing  your  Account  from  the  authorized  user.  We  may  share 
information about the Account with authorized users.  

JOINT ACCOUNT: If your Account is a joint Account, each of you agrees to be liable individually and jointly for the 
entire amount owed on the Account, and any notice we mail to an address provided by either of you for the Account 
will serve as notice to both of you. This means that we can require any one of you individually to repay the entire 
amount  owed  under  this  Agreement.  Each  of  you  authorizes  the  other(s)  to  make  purchases  or  cash  advances 
individually. Any one of you may terminate the Account and the termination will be effective as to all of you.  

CREDIT LINES: We will post your current credit limit on your Statement, and may cancel, change or restrict it or 
your  credit  availability at any time. We are not obligated to allow your Account to go over its credit limit. You are 
responsible  for  the  total  balance  at  all  times,  even  if  your  Account  balance  exceeds  your  credit  limit.  We  may 
establish a lower credit line for Cash Advances.  

AUTHORIZATION  OF  TRANSACTIONS/CLOSING  YOUR  ACCOUNT:  We  are  not  obligated  to  honor  every 
transaction, and we may close or suspend your Account at any time without notice. If we or you close your Account, 
you must still pay all outstanding amounts on the Account. Interest will continue to accrue on your unpaid balance. 
We may decline transactions for any reason, including: operational matters, the account is in default, or suspected 
fraudulent or unlawful activity. We are not responsible for any losses associated with a declined transaction. If your 
Account is closed or your Card expires, you may no longer use your Card and you must destroy it or return it to us 
upon request. 

INTEREST CHARGES: 
Variable  Rates:  We  calculate  variable  APRs  by  adding  a  margin  to  the  Prime  Rate.  The  APR  may  increase  or 
decrease each month if the Prime Rate changes. We may increase or decrease the APR effective on the first billing 
date  after  the  cycle.  If  the  APR  increases,  you  will  pay  a  higher  Interest  Charge  and  may  pay  a  higher  minimum 
payment.  

Interest Charge Calculation: New purchases posted to your account during a billing cycle will not incur a interest 
charge for that billing cycle if you had a zero or credit balance at the beginning of that billing cycle, or you paid the 
entire new balance on the previous cycle’s billing statement by the payment due date of that statement; otherwise 
an interest charge will accrue from the date a purchase is posted to your account. To avoid an additional interest 
charge on the balance of purchases, you must pay the entire new balance on the billing statement by the payment 
due date of that statement. An interest charge begins to accrue on cash advances from the date you get the cash 
advance or from the first day of the billing cycle in which the cash advance is posted to your account, whichever is 
later. 

The interest charge is calculated separately for purchases and cash advances. For purchases, the interest charge 
is  computed  by  applying  the  periodic  rate  to  the  average  daily  balance  of  purchases.  To  get  the  average  daily 
balance of purchases, we take the beginning outstanding balance of purchases each day, add any new purchases, 

	  
 
 
 
 
 
 
 
 
 
and subtract any payments and/or credits. This gives us the daily balance of purchases. Then, we add all the daily 
balances of purchases for the billing cycle together and divide the total by the number of days in the billing cycle. 
This gives us the average daily balance of purchases. 
For cash advances, the interest charge is computed by applying the periodic rate to the average daily balance of 
cash advances. To get the average daily balance of cash advances, we take the beginning outstanding balance of 
cash advances each day, add in any new cash advances, and subtract any payments and/or credits that we apply 
to  the  cash  advance  balance.  This  gives  us  the  daily  balance  of  cash  advances.  Then,  we  add  all  the  daily 
balances  of  cash  advances  for  the  billing  cycle  together  and  divide  the  total  by  the  number  of  days  in  the  billing 
cycle.  This  gives  us  the  average  daily  balance  of  cash  advances.  Balance  transfers  are  calculated  in  the  same 
manner as cash advances unless otherwise noted. 

Termination  of  Introductory  or  Promotional  Rates:  If  during  an  Introductory  or  Promotional  Rate  period,  we 
have not received the required minimum monthly payment within 60 days of the respective payment due date, we 
will increase the applicable APR to the standard non-promotional APR. Introductory and/or Promotional Rates will 
not be reinstated.  

Grace Period: We will not charge you interest on new Purchases if you pay your full Account balance by the due 
date each month. Also, we will not impose Interest Charges on any portion of a new Purchase balance you repay 
while that balance is subject to a Grace Period. Subject to the Grace Period, we will charge interest from the date 
new transactions appear on your Account until paid in full. You cannot avoid paying interest on Balance Transfers 
and  Cash  Advances.  If  you  do  not  pay  your  New  Balance  in  full  each  month  then,  depending  on  the  balance  to 
which we apply your payment, you may not get a Grace Period on new Purchases. 

FEES: 
Cash Advance Fee: See the Account Opening Disclosure. 

Balance Transfer or Convenience Check Fee: See the Account Opening Disclosure. 

Late Payment Fee: If you do not pay at least the Minimum Payment Due by the Payment Due Date, you will be 
charged a Late Fee of $25. If you are late more than once in a six month period, the Late Fee will go up to $35. If 
you make payments on time for six months, the Late Fee will return to $25.  

Stop Payment Fee: If a Convenience Check is dishonored or when a payment of a Convenience Check is stopped 
at your request, you will be charged a Stop Payment Fee of $25. If you are charged a Stop Payment Fee more than 
once in a six month period, the Stop Payment Fee will go up to $35. If you are not charged a Stop Payment Fee for 
six months, the Stop Payment Fee will return to $25.  

Foreign Transaction Fee: There is a fee for transactions that take place outside of the United States, even if the 
currency used is U.S. Dollars. See the Account Opening Disclosure for details. 

Rush Card Fee: $35 

Administrative Fees: If you request a copy of a Statement, sales draft or other record of your Account (including 
Convenience Checks) or if you request two or more Cards or any special services (for example, obtaining Cards on 
an expedited basis), we may charge you for these services. We may also refer to these fees as the copy fee and 
the  Card  replacement  fee,  respectively.  In  addition,  if  our  representative  initiates  an  express  payment  at  your 
request, we may charge you a fee for this service. We may also refer to this fee as the SpeedPay fee. However, we 
will not charge you for Statements, sales drafts, or similar documents that you requested for a billing dispute you 
may assert under applicable law. Other fees may apply for other services we provide that we will inform you about 
at the time the service is offered. 

AUTHORIZATION/REFUSAL  TO  AUTHORIZE  TRANSACTIONS:  We  may  decline,  at  any  time,  at  our  sole 
discretion, an authorization request for any transaction for any reason, including but not limited to: 
•  Operational considerations; 
•  Your Account is in default; and /or 
•  We suspect fraudulent or unlawful activity, including but not limited to authorization requests from online 

gambling merchants, whether or not online gambling is illegal in the state in which you reside. 

 
 
 
 
 
 
 
 
 
 
 
 
We  are  not  responsible  for  any  losses  or  damages,  including  consequential  damages,  if  a  transaction  on  your 
Account is declined, either by us or a third party, even if you have sufficient credit available.  

REFUSAL TO PAY CHECKS: Each Check you write drawn on your Account is your request for funds. When we 
receive a Check for payment, we may review your Account to decide whether to authorize that Check. We may, but 
are not required to, reject and return a Check unpaid for any reason, including the following examples: 
•  Your Account has not been activated. 
•  You have used the Check after the date specified on it. 
•  The Check is being used to pay on any outstanding payment or balance you owe us. 
•  Your Credit Line has been exceeded, or would be exceeded if we paid the Check. 
•  The Check does not bear an authorized signer’s signature on file with us. 
•  The Check is post-dated. If a post-dated Check is paid, resulting in another item being returned or not paid, we 

are not responsible. 

•  Your account is in default, or would be if we paid the Check. 

RETURNS  AND  ADJUSTMENTS:  Merchants  and  others  who  honor  your  Card  may  give  credit  for  returns  or 
adjustments,  and  they  will  do  so  be  sending  us  a  credit  which  will  be  posted  to  your  Account.  If  your  credits  and 
payments exceed what you owe us, the amount will be applied against future Purchases and Cash Advances. You 
may request a refund of credit balances at any time. If you don’t request a refund, we will apply credit balances to 
new transactions unless a refund is required by law. 

DEFAULT: Your Account will be in default if: 
•  we do not receive a required payment when due, including the minimum payment by the date shown on your 

Statement;  

•  you exceed your credit limit; 
•  you fail to comply with the terms of this Agreement;  
•  you make any false or misleading statements or omissions on your application;  
•  you file a bankruptcy petition or have one filed against you;  
•  we obtain information that causes us to believe that you may be unwilling or unable to pay your debts to us or to 
others on time including, but not limited to, your failure to make any payment to us on any other indebtedness or 
loan; or 

•  you become incapacitated or die.  

PAYMENTS: 
Payment Due Date: Payments are due on the payment due date shown on your monthly Statement. Your payment 
must be received by 5:00 p.m. in order to be considered received as of that date. Payments received after that time 
will be credited on the next Business Day. 

Payment Instructions: You must follow the payment instruction on your Statement. You must pay in U.S. dollars, 
without  restrictive  terms.  We  may  accept  checks  marked  “Payment  in  Full”  or  with  words  of  similar  effect  without 
losing any of our rights to collect the full balance of your Account.  

Minimum  Payment:  You  agree  to  pay  at  least  the  minimum  payment  when  due  as  shown  on  your  billing 
statement.  You  may  pay  more  than  the  minimum  payment  due  and  may  pay  the  full  amount  you  owe  us  at  any 
time. If you have a balance that is subject to Interest Charges, the sooner you make your payment, the less you will 
pay because Interest Charges accrue on your balance each day.  

The Minimum Payment is calculated as the greater of: 
•  $25.00 or the full amount of your total balance if it is less than $25.00; or 
•  2.5% of the new balance plus any Fees, Interest Charges, amounts over your Credit Line, and/or past due 

amounts. The payment amount is rounded to the nearest dollar. 

Payment  Allocation:  We  will  allocate  your  minimum  payment  in  the  manner  we  determine.  We  will  apply  the 
amount in excess of the minimum payment to balances with higher APRs before balances with lower APRs.  

 
 
 
 
 
 
 
 
 
 
LOST  OR  STOLEN  CARDS:  You  agree  to  notify  us  immediately,  verbally  or  in  writing  at  1.800.892.7957,  (after 
hours call 1.877.661.4920), or PO Box 15950, Lenexa, Kansas 66285-5950 if any Card, Check, Account number or 
other means to access your Account is lost, stolen or used without your permission.  

GOVERNING  LAW:  The  terms  and  enforcement  of  this  Agreement  and  your  Account  shall  be  governed  and 
interpreted  in  accordance  with  federal  law  and,  to  the  extent  state  law  applies,  the  laws  of  the  State  of  Missouri. 
Fees are governed by section 408.145 RsMo. If any part of this Agreement is unenforceable, this will not make any 
other part of this Agreement unenforceable.  

DELAYED  ENFORCEMENT:  Our  failure  to  exercise  any  of  our  rights  when  your  Account  is  in  default  does  not 
mean that we are unable to exercise those rights upon later default. We will not lose any of our rights under this 
Agreement if we delay taking action for any reason. We may accept late or partial payments, as well as payments 
marked  “Payment  in  Full”  or  with  other  restrictive  endorsements  without  losing  any  of  our  rights  under  this 
Agreement. Any payment amount in excess of the Minimum Required Payment will not be applied in satisfaction of 
future Minimum Required Payments.  

EFFECT OF AGREEMENT: This Agreement is the contract which applies to all transactions on your Account even 
though  the  sales,  cash  advances,  credit  or  other  slips  you  sign  may  contain  different  terms.  We  may  amend  this 
Agreement  from  time  to  time  by  sending  you  the  advance  written  notice  required  by  law.  To  the  extent  the  law 
permits, and unless we indicate otherwise in our notice, amendments will apply to your existing Account balances 
as  well  as  to  future  transactions.  This  Card  may  also  be  tied  to  benefits  associated  with  deposit  accounts,  as 
outlined in your deposit account agreement. 

OTHER PROVISIONS: 
•  Each Account you have with us is separate from any others you have with us, and Interest Charges will be 

charged on each Account’s balance at the APR given with each Account Opening Disclosures. Each individual 
Account will have its own Account number.  

•  Your Card(s) are the property of CommunityAmerica Credit Union. 
•  CommunityAmerica Credit Union may share your Account experience and transaction information with its 
affiliates, which are members of the CommunityAmerica family of companies as defined in your Privacy 
Statement. Please refer to your Privacy Statement for your options on limiting sharing. 

•  Collateral securing other loans with us may also secure this indebtedness. 
•  You agree to notify us immediately if you change your address. 

ARBITRATION OF DISPUTES – AGREEMENT TO ARBITRATE: In the event of any past, present or future claim 
or  dispute  (whether  based  upon  contract,  tort,  statute  of  the  United  States  or  any  state,  common  law  or  equity) 
between  you  and  us  arising  from  or  relating  to  your  Account,  any  prior  account  you  have  had  with  us,  your 
applications,  the  relationships  which  result  from  your  Account  or  the  enforceability  or  scope  of  this  arbitration 
provision,  of  the  Agreement  or  of  any  prior  agreement,  you  or  we  may  elect  to  resolve  the  claim  or  dispute  by 
binding  arbitration.  All  disputes  over  the  arbitrability  of  specific  issues  shall  be  solved  by  the  arbitrator.  Judgment 
upon the arbitration award may be entered in any court of competent jurisdiction. 

EXCEPT FOR THE LIMITED INSTANCES SET FORTH BELOW, IF EITHER YOU OR WE ELECT ARBITRATION, 
NEITHER  YOU  NOR  WE  SHALL  HAVE  THE  RIGHT  TO  LITIGATE  THAT  CLAIM  IN  COURT  OR  TO  HAVE  A 
JURY  TRIAL  ON  THAT  CLAIM.  PRE-HEARING  DISCOVERY  RIGHTS  AND  POST-HEARING  APPEAL  RIGHTS 
WILL  BE  LIMITED.  NEITHER  YOU  NOR  WE  SHALL  BE  ENTITLED  TO  JOIN  OR  CONSOLIDATE  CLAIMS  IN 
ARBITRATION  BY  OR  AGAINST  OTHER  CARDMEMBERS  WITH  RESPECT  TO  OTHER  ACCOUNTS,  OR 
LITIGATE IN COURT OR ARBITRATE ANY CLAIMS AS A REPRESENTATIVE OR MEMBER OF A CLASS OR IN 
A PRIVATE ATTORNEY GENERAL CAPACITY (“Class Action Waiver”). 

Notwithstanding anything else to the contrary in this arbitration provision, only a court, and not an arbitrator, shall 
determine the validity and effect of the Class Action Waiver. Even if all parties have opted to litigate a claim in court, 
you or we may elect arbitration with respect to any claim made by a new party or any new claims later asserted in 
that lawsuit and nothing undertaken therein shall constitute a waiver of any rights under this arbitration provision. 
We will not invoke our right to arbitrate an individual claim you bring in small claims court or your state’s equivalent 
court, if any, unless such action is transferred, removed or appealed to a different court. Nothing contained herein 
shall limit our right to foreclose against or sell any collateral, whether real or personal, to exercise any right of setoff, 

 
 
 
 
 
 
 
 
or  to  obtain  provisional  or  ancillary  remedies  from  a  court  of  competent  jurisdiction  before,  during  or  after 
arbitration, including, but not limited to, our right to bring a legal proceeding against you in state or federal court to 
collect a debt owed by you. The exercise of rights granted under this paragraph shall not be deemed a waiver of 
the right to compel arbitration. 

Governing Law and Rules for Arbitration: Your Account involves interstate commerce and this provision shall be 
governed by the Federal Arbitration Act (“FAA”). The arbitration shall be conducted, at the option of whoever files 
the  arbitration  claim,  by  either  the  American  Arbitration  Association  (“AAA”)  or  the  National  Arbitration  Forum 
(“NAF”) in accordance with their procedures in effect when the claim is filed. For a copy of their procedures, to file a 
claim or for other information, contact AAA at 335 Madison Ave., Floor 10, New York, NY 10017-5905, www.adr.org 
(phone  1-800-778-7879)  or  NAF  at  PO  Box  50191,  Minneapolis,  MN  55405  (phone  1-800-474-2371).  No  other 
arbitration  forum  will  be  permitted,  except  as  agreed  to  pursuant  to  either  the  Effect  of  Agreement  section  or  a 
writing  signed  by  both  parties.  Unless  consented  to  by  all  parties,  no  arbitration  may  be  administered  by  any 
administrator  that  has  any  formal  or  informal  policy,  rule  or  procedure  that  is  inconsistent  with  or  purports  to 
override the terms of this section. 

Fees  and  Cost  of  Arbitration:  At  your  written  request,  we  will  advance  any  arbitration  filing,  administration  and 
hearing fees which you would be required to pay to pursue a claim or dispute as a result of our electing to arbitrate 
that  claim  or  dispute.  Send  requests  to  CommunityAmerica  Credit  Union,  c/o  Credit  Card  Department,  PO  Box 
15950, Lenexa, KS 66285-5950. The arbitrator will decide who will ultimately be responsible for paying those fees. 
You  will  only  be  responsible  for  paying  or  reimbursing  our  arbitration  filing,  administrative  or  hearing  fees  to  the 
extent you would have been responsible for paying attorneys’ fees and court or other collection costs had the action 
proceeded in court. In no event will you be required to pay any fees or costs incurred by us in connection with an 
arbitration proceeding where such a payment or reimbursement is prohibited by applicable law. 

Hearings  and  Decisions:  Any  arbitration  hearing  will  take  place  in  the  federal  judicial  district  where  you  reside. 
The arbitrator shall follow applicable substantive law to the extent consistent with the FAA and applicable statutes 
of  limitations  and  shall  honor  claims  of  privilege  recognized  at  law  and  shall  be  authorized  to  award  all  remedies 
permitted by the substantive laws that would apply if the action were pending in court. If requested by any party, the 
arbitrator  shall  write  an  opinion  containing  the  reasons  for  the  award.  The  arbitrator’s  decision  will  be  final  and 
binding except for any appeal rights under the FAA and except that if the amount in controversy exceeds $100,000, 
any party may appeal the award within 30 days to a three-arbitrator panel which shall review the award de novo. 
Unless  applicable  law  provides  otherwise,  the  appealing  party  will  pay  the  cost  of  the  appeal,  regardless  of  its 
outcome.  However,  we  will  consider  in  good  faith  any  reasonable  request  for  us  to  bear  the  fees  charged  by  the 
arbitration  administrator  and  the  arbitrators  in  connection  with  the  appeal.  Judgment  upon  any  award  by  the 
arbitrator may be enforced in any court having jurisdiction. 

Other Beneficiaries of the Arbitration Provisions: Our rights and obligations under this arbitration provision shall 
inure  to  the  benefit  of  and  be  binding  upon  our  credit  union  service  organizations,  subsidiaries,  affiliates, 
predecessors, successors, assigns, as well as the officers, directors and employees of each of these entities, and 
will also inure to the benefit of any third party named as a co-defendant with us or with any of the foregoing in a 
claim which is subject to this arbitration provision. Your rights and obligations under this arbitration provision shall 
inure to the benefit of and be binding upon all persons contractually liable under this Agreement, and all authorized 
users of the Account. 

Survival of this Provision: The arbitration provision shall survive termination of your Account as well as voluntary 
payment in full by you, any legal proceedings by us to collect a debt owed by you, any bankruptcy by you and any 
sale by us of your Account. 

Right to Reject Arbitration: You may reject the Arbitration of Disputes section by providing us a notice of rejection 
within  30  days  after  receiving  a  Card  at  the  following  address:  CommunityAmerica  Credit  Union,  c/o  Credit  Card 
Department,  PO  Box  15950,  Lenexa,  KS  66285-5950.  Your  rejection  notice  must  include  your  name,  address, 
telephone number, Account number, and signature, and must not be sent with any other correspondence. Calling 
us to indicate that you reject the Arbitration of Disputes section or sending a rejection notice in a manner or format 
that  does  not  comply  with  all  applicable  requirements  is  insufficient  notice.  In  order  to  process  your  notice,  we 
require  that  the  notice  be  provided  by  you  directly  and  not  through  a  third  party.  Rejection  of  arbitration  will  not 
affect  your  other  rights  or  responsibilities  under  this  Agreement  or  your  obligation  to  arbitrate  disputes  under  any 
other account as to which you and we have agreed to arbitrate disputes. If you do not send a rejection notice, you 

 
 
 
 
 
 
will be obligated by the Arbitration of Disputes section with respect to this and any prior account you have had with 
us, even if you have previously sent a rejection notice with respect to that prior account. 

YOUR BILLING RIGHTS. Keep this Notice for Future Use. 
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 

•  What to do if you find a mistake on your statement 

If you think there is an error on your Statement, write to us at:  CommunityAmerica Credit Union Customer 
Service: PO Box 31112, Tampa, Fl 33631-3112 

In your letter, give us the following information: 
o  Account information: Your name and account number. 
o  Dollar amount: The dollar amount of the suspected error. 
o  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. 

o  You must contact us: 
o  Within 60 days after the error appeared on your statement. 
o  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the 

amount you think is wrong. 

o  You must notify us of any potential errors in writing. You may call us, but if you do we are not required to 

investigate any potential errors and you may have to pay the amount in question. 

•  What will happen after we receive your letter: 

When we receive your letter, we must do two things: 
1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we 

have already corrected the error. 

2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the 

bill is correct. 

•  While we investigate whether or not there has been an error: 

o  We cannot try to collect the amount in question, or report you as delinquent on that amount. 
o  The charge in question may remain on your statement, and we may continue to charge you interest on that 

amount. 

o  While you do not have to pay the amount in question, you are responsible for the remainder of your balance. 
o  We can apply any unpaid amount against your credit limit. 

•  After we finish our investigation, one of two things will happen: 

o  If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to 

that amount. 

o  If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable 

interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may 
then report you as delinquent if you do not pay the amount we think you owe.  

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that 
you  still  refuse  to  pay.  If  you  do  so,  we  cannot  report  you  as  delinquent  without  also  reporting  that  you  are 
questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must 
let those organizations know when the matter has been settled between us. 

If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if 
your bill is correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried 
in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due 
on the purchase. 

To use this right, all of the following must be true: 

 
 
 
 
 
 
 
 
 
 
1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and 
the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was 
based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 
2. You  must  have  used  your  credit  card  for  the  purchase.  Purchases  made  with  cash  advances  from  an  ATM  or 

with a check that accesses your credit card account do not qualify. 

3. You must have not yet have fully paid for the purchase. 

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: 
Customer Service, PO Box 31112, Tampa, FL 33631-3112 

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. 

THIS CONTRACT CONTAINS A BINDING ARBITRATION PROVISION WHICH MAY BE ENFORCED BY THE 
PARTIES.