we are not responsible for goods or services that you purchase with 
the Card unless: (a) your purchase was made in response to an 
advertisement we sent or participated in sending you; or (b) your 
purchase cost more than $50 and was made from a plan merchant 
in  your  state  or  within  100  miles  of  your  home;  and  only  if  you 
have made a good faith attempt, but have been unable to obtain 
satisfaction  from  the  plan  merchant.  You  must  resolve  all  other 
disputes directly with the plan merchant. We do not warrant any 
merchandise or services purchased by you with the Card.

Statements and Notices. Statements and notices will be mailed 
to  you  at  the  most  recent  postal  address  or  e-mail  address  (if 
you  have  elected  to  receive  such  documents  via  electronic 
means) you have given us. Notice sent to any one of you will be 
considered notice to all.

Notification  of  Address  Change.  You  will  notify  us  promptly 
if you change your address for any reason. In order to prevent 
identity theft, your identity may need to be verified before we act 
upon the notification.

Copy Received. You acknowledge that you have received a copy 
of this Agreement.

Governing Law. This Agreement shall be construed under federal 
law and state law in the state in which we are primarily located, and 
the venue shall be located in the county and state in which we are 
primarily located. Operating regulations of Visa may also apply. 
This  Agreement  is  the  contract  that  applies  to  all  transactions 
even though the sales, cash advance, convenience check, credit 
or other slips you sign or receive may contain different terms.

NOTICE TO UTAH BORROWERS: This written agreement is a 
final expression of the agreement between you and the Credit 
Union.  This  written  agreement  may  not  be  contradicted  by 
evidence of any oral agreement.

Contact Us. Balance information may be obtained by calling our 
automated  Express  Line  at  1-800-829-7676  or  via  our  website 
at www.pmcu.com. An access code is required for both of these 
options. You may also contact our Call Center during business 
hours to speak with an agent at 1-800-736-4500. Our business 
days and hours are Monday through Friday (7:00 am to 6:00 pm) 
and Saturday (9:00 am to 4:00 pm) excluding holidays.

Your Billing Rights: Keep this Document for Future Use
This notice tells you about your rights and our responsibilities 
under the Fair Credit Billing Act.
What To Do If You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at the 
address(es) listed on your statement.
In your letter, give us the following information:

1. Your name and account number.
2. The dollar amount of the suspected error.
3. If you think there is an error on your bill, describe what you 

believe is wrong and why you believe it is a mistake.

4. Your signature.
You 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.

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:
•  We cannot try to collect the amount in question, or report you 

as delinquent on that amount.

•  The charge in question may remain on your statement, and 
we may continue to charge you interest on that amount.
•  While you do not have to pay the amount in question, you 

are responsible for the remainder of your balance.

•  We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen:
•  If we made a mistake: You will not have to pay the amount in 
question or any interest or other fees related to that amount.
•  If we do not believe there was a mistake: You will have to 
pay the amount in question, along with applicable interest 
and fees. We will send you a statement of the amount you 
owe and the date payment is due. We may then report you 
as delinquent if you do not pay the amount we think you owe.
If you receive our explanation but still believe your bill is wrong, 
you must write to us within 10 days telling us that you still refuse 
to pay. If you do so, we cannot report you as delinquent without 
also reporting that you are questioning your bill. We must tell you 
the name of anyone to whom we reported you as delinquent, and 
we must let those organizations know when the matter has been 
settled between us.
If we do not follow all of the rules above, you do not have to pay 
the first $50 of the amount you question even if your bill is correct.

Your Rights If You Are Dissatisfied With Your Credit Card 
Purchases
If you are dissatisfied with the goods or services that you have 
purchased with your credit card, and you have tried in good faith 
to correct the problem with the merchant, you may have the right 
not to pay the remaining amount due on the purchase. To use this 
right, all of the following must be true:

1. The  purchase  must  have  been  made  in  your  home  state 
or  within  100  miles  of  your  current  mailing  address,  and 
the purchase price must have been more than $50. (Note: 
Neither of these are necessary if your purchase was based 
on  an  advertisement  we  mailed  to  you,  or  if  we  own  the 
company that sold you the goods or services.)

2. You  must  have  used  your  credit  card  for  the  purchase. 
Purchases made with cash advances from an ATM or with a 
check that accesses your credit card account do not qualify.

3. You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still dissatisfied 
with the purchase, contact us in writing at the address(es) listed 
on your statement.
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.

FI14220 Rev 8-2017
©2009 Securian Financial Group, Inc. All rights reserved.

M-122878

1278 Rocky Point Drive • Oceanside, CA 92056-5867
Toll Free (800) 736-4500 • Fax (877) 789-PMCU

VISA CREDIT CARD AGREEMENT

In this Agreement, “You” and “your” mean any person who accepts 
this Agreement or uses the Card. The “Card” means any credit 
card issued to you or those designated by you under the terms 
of this Agreement. “We”, “us”, “our” and the “Credit Union” means 
Pacific Marine Credit Union or its successors. By using your card, 
you agree to all of the terms and conditions set forth herein.

THE  GRANTING  OF  THIS  SECURITY  INTEREST  IS  A 
CONDITION FOR THE ISSUANCE OF CREDIT UNDER THIS 
AGREEMENT.
YOU  SPECIFICALLY  GRANT  US  A  CONSENSUAL 
SECURITY  INTEREST  IN  ALL  INDIVIDUAL  AND  JOINT 
ACCOUNTS  YOU  HAVE  WITH  US  NOW  AND  IN  THE 
FUTURE TO SECURE REPAYMENT OF CREDIT EXTENDED 
UNDER THIS AGREEMENT. YOU ALSO AGREE THAT WE 
HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE 
AND/OR  FEDERAL  LAW.  IF  YOU  ARE  IN  DEFAULT,  WE 
CAN APPLY YOUR SHARES TO THE AMOUNT YOU OWE. 
Shares and deposits in an Individual Retirement Account or any 
other account that would lose special tax treatment under state 
or federal law if given are not subject to this security interest.
If you have other loans with us, collateral securing such loans 
will also secure your obligations under this Agreement, unless 
that other collateral is your principal residence or non-purchase 
money household goods.

Using Your Card. You can purchase or lease goods and services 
from any merchant who honors your Card. For Platinum, Classic, 
and  Signature  Reward  Cards,  your  cash  advance  limit  is  50% 
of  your  credit  limit.  For  Secured  Cards,  you  may  obtain  cash 
advances and balance transfers up to your maximum credit limit. 
You  agree  not  to  present  your  Card  or  obtain  a  cash  advance 
for any extension of credit in excess of your available credit limit; 
however, if you do exceed your credit limit, you agree to make 
immediate payment sufficient to bring the balance below the credit 
limit. Certain purchases and cash advances require authorization 
prior to completion of the transaction. In some cases, you may be 
asked to provide identification. If our system is not working, we 
may not be able to authorize a transaction, even though you have 
sufficient credit available. Also, for security reasons, we may block 
the use of your Card in certain countries or geographic areas. We 
will have no liability to you or others if any of these events occur.

Personal  Identification  Number  (PIN).  We  may  issue  a 
Personal Identification Number (PIN) for use with your Card. This 
PIN is confidential and should not be disclosed to anyone. You 
may use your PIN and your Card to access your account, and 
all sums advanced will be added to your account balance. In the 
event a use of your PIN constitutes an Electronic Funds Transfer, 
the  terms  and  conditions  of  your  Electronic  Funds  Transfer 
Agreement may affect your rights.

Promise To Pay. You promise to pay us in U.S. dollars for (a) all 

purchases, cash advances, and balance transfers made by you 
or anyone whom you authorize to use the Card; (b) all Interest 
Charges and all other charges or fees; (c) collection costs and 
attorney’s  fees  as  permitted  by  applicable  law,  and  any  costs 
incurred in the recovery of the Card; and (d) credit in excess of 
your credit limit that we may extend to you.

Illegal  Transactions.  You  agree  that  your  Card  and  account 
will not be used to make or facilitate any illegal transactions as 
determined by applicable law; and that any such use will constitute 
an event of default under this Agreement. We may decline any 
transaction  that  we  believe  to  be  illegal  under  applicable  law, 
including but not limited to any transaction involving or relating to 
any gambling activity. You agree that we will have no liability or 
responsibility for any such use by you or any authorized user(s); or 
for declining any such transaction. You further agree to indemnify 
and hold us harmless from any suits, liability, damages or adverse 
action of any kind that results directly or indirectly from such illegal 
use. You promise to pay us any and all amounts owing on your 
Card for any transactions made by you, even if the transaction is 
determined to be illegal.

Joint  Accounts.  Each  of  you  will  be  responsible,  jointly  and 
severally, for the repayment of amounts owed, regardless of who 
initiated any transaction under the account.

Others Using Your Account. If you allow anyone else to use 
your  account,  you  will  be  liable  for  all  credit  extended  to  such 
persons.  You  promise  to  pay  for  all  purchases  and  advances 
made by anyone you authorize to use your account, whether or 
not you notify us that he or she will be using it. If someone else is 
authorized to use your account and you want to end that person’s 
privilege,  you  must  notify  us  in  writing,  and  if  he  or  she  has  a 
Card, you must return that Card with your written notice for it to 
be effective. 

Ownership of Card. Your Card remains our property and may be 
cancelled by us at any time without notice. You agree to surrender 
your  Card  and  to  discontinue  use  of  the  account  immediately 
upon our request.

Interest  Charges.  You  agree  to  pay  interest  at  the  rate(s) 
disclosed to you at the time you open your account and as may 
be  changed  from  time  to  time  in  accordance  with  applicable 
law. Average Daily Balance including new transactions: Interest 
Charges will accrue on your average daily balance outstanding 
during  the  month.  To  get  the  average  daily  balance,  we  take 
the  beginning  balance  each  day,  add  any  new  purchases, 
cash advances, balance transfers or other advances, and debit 
adjustments and subtract any unpaid late charges. This gives us 
the daily balance. Then, we add up all the daily balances for the 
billing cycle and divide that by the number of days in the billing 
cycle. We then multiply that by the periodic rate corresponding to 
the Annual Percentage Rate on your account.
Grace Period on Purchases Only: You can avoid Interest Charges 
on purchases by paying the full amount of the new balance for 
purchases each month by the date on which the payment is due. 
Otherwise,  the  new  balance  of  your  account,  and  subsequent 
advances from the date they are posted to the account, will be 
subject to an Interest Charge. You cannot avoid Interest Charges 
on cash advances and balance transfers; even if you pay the entire 
cash advance balance or balance transfer balance by the payment 
due date, you will incur the Interest Charges accrued from the date 
the cash advance or balance transfer is posted to your account.

Fees.  In  addition  to  the  Interest  Charges  set  forth  above,  you 
agree to also pay any and all fees that you incur as disclosed to 

you on your Truth-in-Lending Statement or similar disclosures (as 
may be amended from time to time), or as disclosed to you during 
the term of your Card.

If  Your  Card  is  Lost  or  Stolen  or  if  an  Unauthorized  Use 
Occurs. You agree to notify us immediately if your Card is ever 
lost  or  stolen  or  if  an  unauthorized  use  may  have  occurred. 
“Unauthorized use” means the use of the Card by someone other 
than you who does not have actual, implied or apparent authority 
for such use, and from which you receive no benefit. The telephone 
number to call is (800) 736-4500, during standard business hours, 
or  (800)  682-6075,  after  hours,  holidays  and  weekends.  You 
agree to follow up your call with notice in writing to us at: Card 
Services Department, PACIFIC MARINE CREDIT UNION, 1278 
ROCKY POINT DRIVE, OCEANSIDE, CA 92056-5867. You also 
agree  to  assist  us  in  determining  the  facts,  circumstances  and 
other pertinent information relating to any loss, theft or possible 
unauthorized use of your Card and comply with such procedures 
as we may require in connection with our investigation. You will be 
liable for any unauthorized use only if we can prove that you were 
negligent in your use or handling of your Card, or if we can prove 
that you used your Card fraudulently.

Minimum  Payment  Due;  Crediting  of  Payments.  Payments 
are due in the amount and on the date disclosed on your billing 
statement. If your payment is received by us on a business day at 
the address and by the time designated on the billing statement, it 
will be credited to your account on the date of receipt. If payment 
is made at any location other than the address designated on the 
periodic statement, credit for such payment may be delayed up to 
five (5) days. Payments will be applied in any order we determine, 
subject to applicable law.

Default; Acceleration; Credit Suspension; Collection Costs. 
You  will  be  in  default  if:  (1)  you  fail  to  make  any  payment  on 
time; (2) if you fail to keep any promises you have made under 
this  Agreement  or  under  other  Agreements  you  have  with  us; 
(3)  if  you  die;  (4)  if  you  file  a  petition  in  bankruptcy  or  have  a 
bankruptcy petition filed against you, or if you become involved 
in  any  insolvency,  receivership  or  custodial  proceeding;  (5)  if 
anyone attempts to take any of your funds held by us via legal 
process or if you have a judgment or tax lien filed against you; 
(6) if you make any false, inaccurate, or misleading statements in 
any credit application or credit update; or (7) if we, in good faith, 
believe that your ability to repay what you owe is or soon will be 
impaired, or that you are unwilling to make your payments.
If  you  are  in  default,  we  have  the  right  to  demand  immediate 
payment of your full account balance without giving you notice. If 
immediate payment is demanded, you agree to continue paying 
interest charges and fees until what you owe has been paid, and 
any shares that were given as security for your account may be 
applied towards what you owe. You agree to pay all reasonable 
costs  of  collection,  including  court  costs  and  attorney’s  fees, 
and  any  costs  incurred  in  the  recovery  of  the  Card,  subject  to 
applicable  law.  Even  if  your  unpaid  balance  is  less  than  your 
credit limit, you will have no credit available during any time that 
any aspect of your account is in default.

Additional Benefits/Card Enhancements. We may from time to 
time offer additional services to your Account at no additional cost 
to you. You understand that we are not obligated to offer such 
services and may withdraw or change them at any time.

Convenience Checks. We may, at our discretion, issue checks 
to you which may be used for any purpose other than making a 
payment for credit to your account. By signing such check, you 

authorize us to pay the item for the amount indicated and post 
such amount as a cash advance to your account. We do not have 
to pay any item which would cause the outstanding balance in 
your account to exceed your credit limit.

Credit Information. We may from time to time request personal 
information  from  you  or  obtain  credit  reports  from  the  credit 
reporting  agencies  for  the  purpose  of  updating  your  credit 
status. Your failure to provide such information when requested 
by  us  may  result  in  suspension  of  credit  privileges  under  this 
Agreement, including your ability to obtain any future advances by 
any means. You authorize us to investigate your credit standing 
when  opening  or  reviewing  your  account.  You  authorize  us  to 
disclose information regarding your account to credit bureau and 
creditors who inquire about your credit standing.

Foreign  Transactions;  Currency  Conversion.  Purchases 
and cash advances made in foreign currencies will be billed to 
you in U.S. dollars. The conversion rate in dollars will be a rate 
selected by the card company from a range of rates available in 
wholesale currency markets for the applicable central processing 
date,  which  rate  may  vary  from  the  rate  the  card  company 
itself  receives,  or  the  government-mandated  rate  in  effect  for 
the  applicable  central  processing  date  in  each  instance.  All 
transactions  processed  outside  of  the  United  States  (which 
may  include  internet  transactions)  will  be  charged  a  foreign 
transaction fee in the amount disclosed on your Truth-in-Lending 
Statement (as amended from time to time).

Termination;  Change-in-Terms.  We  may,  by  written  notice, 
terminate this Agreement at any time, subject to applicable law. 
You may terminate this Agreement by written notice. Termination 
by  either  party  shall  not  affect  your  obligation  to  repay  any 
payments made for your account resulting from use of the Card as 
well as Interest Charges and fees incurred. We may change the 
terms of this Agreement, including the method of calculating the 
periodic rate, at any time, by written notice, subject to applicable 
law. Use of the Card constitutes agreement and acceptance of 
any change in terms, unless applicable law requires otherwise. 
Our  failure  to  exercise  any  of  our  rights  or  to  take  any  action 
shall not constitute a waiver of those rights, or an amendment or 
change in any of the terms of this Agreement.

Late or Partial Payments. Any payment that delays the reduction 
of  your  balance  will  increase  your  total  interest  costs.  Partial 
payments  or  prepayments  will  not  delay  your  next  scheduled 
payment  –  you  will  still  need  to  make  the  minimum  scheduled 
payment by the next scheduled due date to keep your account 
current. We may accept late payments, partial payments, checks 
or money orders marked “payment in full” and such action shall 
not  constitute  final  settlement  of  your  account  or  a  waiver  or 
forgiveness of any amounts owing under this Agreement.

Enforcement. We do not lose our rights under this or any related 
agreement  if  we  delay  enforcing  them.  If  any  provision  of  this 
or any related agreement is determined to be unenforceable or 
invalid, all other provisions remain in full force and effect.

Returns  and  Adjustments.  Merchants  and  others  who  honor 
the  Card  may  give  credit  for  returns  or  adjustments,  and  they 
will do so by submitting a credit slip 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. If the credit balance amount is $1 or more, it will be 
refunded upon your written or verbal request.

Plan Merchant Disputes. We are not responsible for the refusal of 
any plan merchant or financial institution to honor your Card. Also,