~METRO 
u  CREDIT UNION 

200 Revere Beach  Parkway 
Chelsea , MA  02150 
877-696-3876 

APPLICATION AND 
SOLICITATION 
DISCLOSURE 

V ISA 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

Penalty APR and When it Applies 

How to Avoid Paying Interest on 
Purchases 

Minimum Interest Charge 
For Credit Card Tips from the 
Consumer Financial Protection Bureau 

Fees 
Transaction Fees 
- Cash Advance Fee 
- Foreign Transaction Fee 
Penalty Fees 
- Late Payment Fee 
- Returned Payment Fee 

, 

, 

or 

, when you 

open your account, based on your creditworthiness. This APR will vary with 
the market based on the Prime Rate. 

,

 or 

, when you open your account, based on your 

creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

, 

or 

, when you open your account, based on your 

creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

This APR may be applied to your account if you: 
- Make a late payment. 

How Long Will the Penalty APR Apply? If your APRs are increased for 
this reason, the Penalty APR will apply until you make six consecutive 
minimum payments when due. 

Your due date is at least 25 days after the close of each billing cycle. We will 
not charge you any interest on purchases if you pay your entire balance by 
the due date each month. 
If you are charged interest, the charge will be no less than $0.50. 
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. 

$0.95 
1.00% of each transaction in U.S. dollars 

Up to $10.00 
Up to $25.00 

How We Will Calculate Your Balance: 
We use a method called "average daily balance (including new purchases)." 

Application of Penalty APR: 
Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment. 

Minimum Interest Charge: 
The minimum interest charge will be charged on any dollar amount. 

Effective Date: 
The information about the costs of the card described in this application is accurate as of: 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

SEE NEXT PAGE for more important information about your account. 
02006646-MXC10-P-4-072817 (MXC101-E) 

VISA ELITE11.90%12.90%17.90%18.00%14.90%15.90%18.00%14.90%15.90%18.00%18.00%September 1, 2019This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

For California Borrowers, the Visa Elite is a secured credit card. Credit extended under this credit card account is 
secured by various personal property and money including, but not limited to: (a) any goods you purchase with 
this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, 
(c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual 
Retirement Account or in any other account that would lose special tax treatment under state or federal law, and 
(d)  collateral  securing  other  loans  you  have  with  the  Credit  Union  excluding  dwellings.  Notwithstanding  the 
foregoing,  you  acknowledge  and  agree  that  during  any  periods  when  you  are  a  covered  borrower  under  the 
Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be 
secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be 
deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; 
or (ii) you cease to be a covered borrower. 

Other Fees & Disclosures: 
Late Payment Fee: 
$10.00 or the amount of the required minimum payment, whichever is less, if you are 16 or more days late in making a 
payment. 

Cash Advance Fee (Finance Charge): 
$0.95. 

Returned Payment Fee: 
$25.00 or the amount of the required minimum payment, whichever is less. 

Card Replacement Fee: 
$10.00. 

Emergency Card Replacement Fee: 
$20.00. 

Pay-by-Phone Fee: 
$5.00. 

Rush Fee: 
$20.00. 

Statement Copy Fee: 
$5.00. 

Copy of Sales Draft Fee: 
$2.00. 

Original Sales Draft Fee: 
$6.00. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

02006646-MXC10-P-4-072817 (MXC101-E) 

~METRO 
u  CREDIT UNION 

200 Revere Beach  Parkway 
Chelsea , MA  02150 
877-696-3876 

APPLICATION AND 
SOLICITATION 
DISCLOSURE 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

Penalty APR and When it Applies 

How to Avoid Paying Interest on 
Purchases 

Minimum Interest Charge 
For Credit Card Tips from the 
Consumer Financial Protection Bureau 

Fees 
Transaction Fees 
- Cash Advance Fee 
- Foreign Transaction Fee 
Penalty Fees 
- Late Payment Fee 
- Returned Payment Fee 

, 

, 
when you open your account, based on your creditworthiness. This APR will 
vary with the market based on the Prime Rate. 

or 

, 

, 

, 

or 
account, based on your creditworthiness. This APR will vary with the market 
based on the Prime Rate. 

, when you open your 

, 

, 

, 

or 
account, based on your creditworthiness. This APR will vary with the market 
based on the Prime Rate. 

, when you open your 

, 

, 

This APR may be applied to your account if you: 
- Make a late payment. 

How Long Will the Penalty APR Apply? If your APRs are increased for 
this reason, the Penalty APR will apply until you make six consecutive 
minimum payments when due. 

Your due date is at least 25 days after the close of each billing cycle. We will 
not charge you any interest on purchases if you pay your entire balance by 
the due date each month. 
If you are charged interest, the charge will be no less than $0.50. 
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. 

$0.95 
1.00% of each transaction in U.S. dollars 

Up to $10.00 
Up to $25.00 

How We Will Calculate Your Balance: 
We use a method called "average daily balance (including new purchases)." 

Application of Penalty APR: 
Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment. 

Minimum Interest Charge: 
The minimum interest charge will be charged on any dollar amount. 

Effective Date: 
The information about the costs of the card described in this application is accurate as of: 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

SEE NEXT PAGE for more important information about your account. 
02006646-MXC10-P-2-072817 (MXC101-E) 

PLATINUM MASTERCARD14.90%15.90%16.90%18.00%14.90%15.9016.90%18.00%14.90%15.90%16.90%18.00%18.00%September 1, 2019This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

For  California  Borrowers,  the  Platinum  MasterCard  is  a  secured  credit  card.  Credit  extended  under  this  credit 
card account is secured by various personal property and money including, but not limited to: (a) any goods you 
purchase  with  this  account,  (b)  any  shares  you  specifically  pledge  as  collateral  for  this  account  on  a  separate 
Pledge  of  Shares,  (c)  all  shares  you  have  in  any  individual  or  joint  account  with  the  Credit  Union  excluding 
shares in an Individual Retirement Account or in any other account that would lose special tax treatment under 
state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. 
Notwithstanding  the  foregoing,  you  acknowledge  and  agree  that  during  any  periods  when  you  are  a  covered 
borrower  under  the  Military  Lending  Act  your  credit  card  will  be  secured  by  any  specific  Pledge  of  Shares  you 
grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. 
For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are 
not a covered borrower; or (ii) you cease to be a covered borrower. 

Other Fees & Disclosures: 
Late Payment Fee: 
$10.00 or the amount of the required minimum payment, whichever is less, if you are 16 or more days late in making a 
payment. 

Cash Advance Fee (Finance Charge): 
$0.95. 

Returned Payment Fee: 
$25.00 or the amount of the required minimum payment, whichever is less. 

Card Replacement Fee: 
$10.00. 

Emergency Card Replacement Fee: 
$20.00. 

Pay-by-Phone Fee: 
$5.00. 

Rush Fee: 
$20.00. 

Statement Copy Fee: 
$5.00. 

Copy of Sales Draft Fee: 
$2.00. 

Original Sales Draft Fee: 
$6.00. 

Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

02006646-MXC10-P-2-072817 (MXC101-E) 

APPLICATION AND 
SOLICITATION 
DISCLOSURE 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

Penalty APR and When it Applies 

How to Avoid Paying Interest on 
Purchases 

Minimum Interest Charge 
For Credit Card Tips from the 
Consumer Financial Protection Bureau 

Fees 
Annual Fee 
- Annual Fee 

Transaction Fees 
- Cash Advance Fee 
- Foreign Transaction Fee 
Penalty Fees 
- Late Payment Fee 
- Returned Payment Fee 

This APR may be applied to your account if you: 
- Make a late payment. 

How Long Will the Penalty APR Apply? If your APRs are increased for 
this reason, the Penalty APR will apply until you make six consecutive 
minimum payments when due. 

Your due date is at least 25 days after the close of each billing cycle. We will 
not charge you any interest on purchases if you pay your entire balance by 
the due date each month. 
If you are charged interest, the charge will be no less than $0.50. 
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. 

$59.00 

$0.95 
1.00% of each transaction in U.S. dollars 

Up to $10.00 
Up to $25.00 

How We Will Calculate Your Balance: 
We use a method called "average daily balance (including new purchases)." 

Application of Penalty APR: 
Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment. 

Minimum Interest Charge: 
The minimum interest charge will be charged on any dollar amount. 

Effective Date: 
The information about the costs of the card described in this application is accurate as of: 
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

For  California  Borrowers,  the  Visa  Secured  is  a  secured  credit  card.  Credit  extended  under  this  credit  card 
account  is  secured  by  various  personal  property  and  money  including,  but  not  limited  to:  (a)  any  goods  you 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

SEE NEXT PAGE for more important information about your account. 
02006646-MXC10-P-3-072817 (MXC101-E) 

VISA SECURED15.90%15.90%15.90%18.00%February 1, 2018purchase  with  this  account,  (b)  any  shares  you  specifically  pledge  as  collateral  for  this  account  on  a  separate 
Pledge  of  Shares,  (c)  all  shares  you  have  in  any  individual  or  joint  account  with  the  Credit  Union  excluding 
shares in an Individual Retirement Account or in any other account that would lose special tax treatment under 
state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. 
Notwithstanding  the  foregoing,  you  acknowledge  and  agree  that  during  any  periods  when  you  are  a  covered 
borrower  under  the  Military  Lending  Act  your  credit  card  will  be  secured  by  any  specific  Pledge  of  Shares  you 
grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. 
For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are 
not a covered borrower; or (ii) you cease to be a covered borrower. 

Other Fees & Disclosures: 
Late Payment Fee: 
$10.00 or the amount of the required minimum payment, whichever is less, if you are 16 or more days late in making a 
payment. 

Annual Fee: 
$59.00. 

Cash Advance Fee (Finance Charge): 
$0.95. 

Returned Payment Fee: 
$25.00 or the amount of the required minimum payment, whichever is less. 

Card Replacement Fee: 
$10.00. 

Emergency Card Replacement Fee: 
$20.00. 

Pay-by-Phone Fee: 
$5.00. 

Rush Fee: 
$20.00. 

Statement Copy Fee: 
$5.00. 

Copy of Sales Draft Fee: 
$2.00. 

Original Sales Draft Fee: 
$6.00. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

02006646-MXC10-P-3-072817 (MXC101-E) 

~METRO 
u  CREDIT UNION 

200 Revere Beach  Parkway 
Chelsea , MA  02150 
877-696-3876 

APPLICATION AND 
SOLICITATION 
DISCLOSURE 

V ISA 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers

APR for Cash Advances 

Penalty APR and When it Applies 

How to Avoid Paying Interest on 
Purchases 

Minimum Interest Charge 
For Credit Card Tips from the 
Consumer Financial Protection Bureau 

Fees 
Transaction Fees 
- Cash Advance Fee 
- Foreign Transaction Fee 
Penalty Fees 
- Late Payment Fee 
- Returned Payment Fee 

 Introductory APR for 180 days from issuance of the card. 

After that, your APR will be 

. 

This APR may be applied to your account if you: 
- Make a late payment. 

How Long Will the Penalty APR Apply? If your APRs are increased for 
this reason, the Penalty APR will apply until you make six consecutive 
minimum payments when due. 

Your due date is at least 25 days after the close of each billing cycle. We will 
not charge you any interest on purchases if you pay your entire balance by 
the due date each month. 
If you are charged interest, the charge will be no less than $0.50. 
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. 

$0.95 
1.00% of each transaction in U.S. dollars 

Up to $10.00 
Up to $25.00 

How We Will Calculate Your Balance: 
We use a method called "average daily balance (including new purchases)." 

Loss of Introductory APR: 
We may end your Introductory APR for balance transfers and apply the prevailing non-introductory APR if you are one 
days late in making a payment. 

Application of Penalty APR: 
Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment. 

Minimum Interest Charge: 
The minimum interest charge will be charged on any dollar amount. 

Effective Date: 
The information about the costs of the card described in this application is accurate as of: 
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

SEE NEXT PAGE for more important information about your account. 
02006646-MXC10-P-1-072817 (MXC101-E) 

CHELSEA COMMUNITY VISA11.90%5.90%11.90%11.90%15.90%February 1, 2018For California Borrowers, the Chelsea Community Visa is a secured credit card. Credit extended under this credit 
card account is secured by various personal property and money including, but not limited to: (a) any goods you 
purchase  with  this  account,  (b)  any  shares  you  specifically  pledge  as  collateral  for  this  account  on  a  separate 
Pledge  of  Shares,  (c)  all  shares  you  have  in  any  individual  or  joint  account  with  the  Credit  Union  excluding 
shares in an Individual Retirement Account or in any other account that would lose special tax treatment under 
state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. 
Notwithstanding  the  foregoing,  you  acknowledge  and  agree  that  during  any  periods  when  you  are  a  covered 
borrower  under  the  Military  Lending  Act  your  credit  card  will  be  secured  by  any  specific  Pledge  of  Shares  you 
grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. 
For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are 
not a covered borrower; or (ii) you cease to be a covered borrower. 

Other Fees & Disclosures: 
Late Payment Fee: 
$10.00 or the amount of the required minimum payment, whichever is less, if you are 16 or more days late in making a 
payment. 

Cash Advance Fee (Finance Charge): 
$0.95. 

Returned Payment Fee: 
$25.00 or the amount of the required minimum payment, whichever is less. 

Card Replacement Fee: 
$10.00. 

Emergency Card Replacement Fee: 
$20.00. 

Pay-by-Phone Fee: 
$5.00. 

Rush Fee: 
$20.00. 

Statement Copy Fee: 
$5.00. 

Copy of Sales Draft Fee: 
$2.00. 

Original Sales Draft Fee: 
$6.00. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

02006646-MXC10-P-1-072817 (MXC101-E) 

~METRO 
u  CREDIT UNION 

200 Revere Beac h Parkway 
Chelsea , MA  02150 
877-696-3876 

CONSUMER 

CREDIT CARD 

AGREEMENT AND 

DISCLOSURE  VISA 

VISA SECURED/PLATINUM MASTERCARD/ 

VISA ELITE/CHELSEA COMMUNITY VISA 

This Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other 
Account opening documents or any subsequent documents provided to You related to this Account (hereinafter collectively 
referred to as “Agreement”) govern the terms and conditions of this Account. “We,” “Us,” “Our” and “Ours” and “Credit 
Union” refers to Metro Credit Union with which this Agreement is made. “You,” “Your,” and “Yours” refers to each applicant 
and co-applicant for the Account; any person responsible for paying the Account; and anyone You authorize to use, access 
or service the Account. "Card" means the Visa or Mastercard® credit card and any other access devices, duplicates, 
renewals, or substitutions, including convenience checks, the Credit Union issues to You. "Account" means the line of 
credit established by this Agreement and includes Your Card. 

SECURITY INTEREST 

You grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights 
the Credit Union may have in any goods You purchase. 

If You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares 
will secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account 
until the Credit Union agrees to release all or part of the pledged amount. 

You grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now 
and in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that 
would lose special tax treatment under state or federal law if given as security are not subject to the security 
interest You have given in Your shares and deposits. You may withdraw these other shares unless You are in 
default. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due. 
For example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay 
any or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any 
periods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a 
covered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when You were 
not a covered borrower; or (ii) You cease to be a coveredborrower. 

Unless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit 
Union may also secure this loan, except that a dwelling will never be considered as security for this Account, 
notwithstanding anything to the contrary in any other Agreement. 

1.  USING  YOUR  ACCOUNT  —  By using the Account or keeping the Card, You agree to the terms of this Agreement. 
You  agree  to  use  Your  Account  in  accordance  with  this  Agreement.  Your  Account  must  only  be  used  for  lawful 
transactions. 

2.  CREDIT LIMIT — We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You 
exceed  the  credit  limit,  You  promise  to  repay  immediately  the  amount  which  exceeds  the  credit  limit,  including 
amounts due to finance charges, fees or other charges. You may request a credit limit increase on Your Account only 
by  a  method  acceptable  to  the  Credit  Union.  We  may  increase  or  decrease  Your  credit  limit,  refuse  to  make  an 
advance and/or terminate Your Account at any time for any reason permitted by law. 

3.  CONVENIENCE CHECKS — We may, from time to time, issue convenience checks to You that may be drawn on 

Your Account. Convenience checks may not be used to make a payment on Your Account. If You use a 
convenience check, it will be posted to Your Account as a cash advance. We reserve the right to refuse to pay a 
convenience check drawn on Your Account for any reason and such refusal shall not constitute wrongful dishonor. 
You may request that We stop the payment of a convenience check drawn on Your Account. You agree to pay any 
fee as identified in this Agreement imposed to stop a payment on a convenience check issued on Your Account. You 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

02006646-MXC10-P-1-072817 (MXC101-E) 

 
 
 
 
 
may make a stop payment request orally, if permitted, or in writing. Your request must be made with sufficient time in 
advance of the presentment of the check for payment to give Us a reasonable opportunity to act on Your request. In 
addition, Your request must accurately describe the check including the exact Account number, the payee, any 
check number that may be applicable, and the exact amount of the check. If permitted, You may make a stop 
payment request orally but such a request will expire after 14 days unless You confirm Your request in writing within 
that time. Written stop payment orders are effective only for six months and may be renewed for additional six month 
periods by requesting in writing that the stop payment order be renewed. We are not required to notify You when a 
stop payment order expires. 
If We re-credit Your Account after paying a check over a valid and timely stop payment order, You agree to sign a 
statement describing the dispute with the payee, to assign to Us all of Your rights against the payee or other holders of 
the check and to assist Us in any legal action. 
You agree to indemnify and hold Us harmless from all costs and expenses, including attorney's fees, damages, or 
claims, related to Our honoring Your stop payment request or in failing to stop payment of an item as a result of 
incorrect information provided to Us or the giving of inadequate time to act upon a stop payment request. Note: A 
convenience check is not a check as that term is defined under the Uniform Commercial Code. It is an advance from 
Your credit card Account with Us and Your stop payment rights are provided under this Agreement with Us. 

4.  REPAYMENT — You promise to repay all amounts You owe under this Agreement. Your promise to repay includes all 
transactions  made  to  Your  Account  by  You  or  anyone  You  authorize  to  use  Your  Account  as  well  as  all  interest 
charges and fees. 
Visa Secured, Chelsea Community Visa - For each billing period, You must pay at least the Minimum Payment Due 
by the Payment Due Date. 
The Minimum Payment Due is 3.00% of Your total New Balance, or $25.00, whichever is greater, plus any amount 
past due and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less 
than 
$25.00, then Your Minimum Payment Due is the amount of the total New Balance. 
Platinum MasterCard, Visa Elite - For each billing period, You must pay at least the Minimum Payment Due by the 
Payment Due Date. 
The Minimum Payment Due is 2.00% of Your total New Balance, or $10.00, whichever is greater, plus any amount 
past due and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less 
than 
$10.00, then Your Minimum Payment Due is the amount of the total New Balance. 
You may pay more frequently, pay more than the Minimum Payment Due or pay the total New Balance in full. 
If You make extra or larger payments, You are still required to make at least the Minimum Payment Due each month 
Your Account has a balance (other than a credit balance). The Credit Union may delay replenishing Your credit limit 
until the date the payment is posted or the Credit Union confirms the payment has cleared. 
Your payment of the required Minimum Payment Due may be applied to what You owe the Credit Union in any manner 
the Credit Union chooses, as permitted by applicable law. If You make a payment in excess of the required Minimum 
Payment Due, the Credit Union will allocate the excess amount first to the balance with the highest annual percentage 
rate (“APR”) and any remaining portion to the other balances in descending order based on applicable APR, unless 
otherwise prescribed by applicable law. 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 with Us. 
INTEREST AND FINANCE CHARGES — We will begin charging You interest on purchases on the date the transaction 
is posted to Your Account. We will begin charging You interest on cash advances and balance transfers on the date of 
the transaction or the first day of the billing cycle in which the transaction is posted to Your Account, whichever is later 
(transaction date). However, We will not charge You any interest on new purchases if Your Account 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. To avoid an additional finance 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. 
How We Calculate Your Balance: 
Interest charges on Your Account are calculated separately for purchases, balance transfers and cash advances 
(“Transaction Type”). We figure the interest charge for each Transaction Type by applying the periodic rate to each 
corresponding “average daily balance.” To get the “average daily balance” for a Transaction Type We take the 
beginning balance for that Transaction Type each day, add any new transactions of that type, and subtract any unpaid 
interest or other finance charges and any applicable payments or credits. This gives Us the daily balance for each 

5. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

02006646-MXC10-P-1-072817 (MXC101-E) 

 
 
 
 
 
 
 
 
 
 
 
Transaction Type. Then, for each Transaction Type, We add up all the daily balances for the billing cycle and divide 
each total by the number of days in the billing cycle. This gives Us the “average daily balance” for each Transaction 
Type. 

6.  FEES  —  In  addition  to  the  periodic  rate,  additional  fees  may  be  imposed  on  Your  Account.  If  applicable  to  Your 
Account,  the  fee  amounts  and  explanations  are  disclosed  on  the  Account  Opening  Disclosure  accompanying  this 
Agreement. 

7.  FOREIGN TRANSACTIONS — Purchases and cash advances made in foreign currencies will be debited from Your 
Account in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for 
processing international transactions is a rate selected by Visa or Mastercard as applicable, from a range of rates 
available in wholesale currency markets for the applicable central processing date, which rate may vary from the 
rate Visa or Mastercard as applicable, itself receives or the government-mandated rate in effect for the applicable 
central processing date. The exchange rate used on the processing date may differ from the rate that would have 
been used on the purchase date or cardholder statement posting date. 
Visa Secured, Visa Elite, Chelsea Community Visa - A fee (finance charge) will be charged on all transactions 
completed in a foreign currency. All fees are calculated based on the transaction amount after it is converted to U.S. 
dollars. These fees are charged except where excluded. The Foreign Transaction Fee is set forth on the Disclosure 
accompanying this Agreement. 
Platinum MasterCard - A fee (finance charge), calculated in U.S. dollars, will be imposed on all foreign transactions, 
including purchases, cash advances and credits to Your Account. A foreign transaction is any transaction that You 
complete or a merchant completes on Your Card outside of the United States, with the exception of U.S. military 
bases, 
U.S. territories, U.S. embassies or U.S. consulates. The Foreign Transaction Fee is set forth on the Disclosure 
accompanying this Agreement. 

8.  AUTHORIZATIONS  —  We  do  not  guarantee  authorization  of  a  transaction,  either  by Us  or  by  a  third  party,  even  if 
You have sufficient credit available. You agree that  We will not be liable for failing to give an authorization. We also 
reserve the right to limit the number of transactions that may be approved in one day.  We  reserve the right to deny 
certain transactions for any reason and at Our sole discretion, including for default, suspected fraudulent or unlawful 
activity, internet gambling or any indication of increased risk related to the transaction or the Account. You agree that 
We  have  no  requirement  to  notify  You  of  the  specific  reason  We  denied  a  transaction.  If  We  detect  unusual  or 
suspicious  activity,  We  may  suspend  Your  credit  privileges  until  We  can  verify  the  activity,  or  We  may  close  the 
Account. 

9.  PREAUTHORIZED  CHARGES  —  If  You  default,  if  the  Card  is  lost  or  stolen,  or  We  change  the  Account  for  any 
reason, We may suspend  automatic charges  with third party vendors. If  preauthorized charges are suspended,  You 
are responsible for making direct payment for such charges until You contact the third party to reinstate the automatic 
charges. 

10. DEFAULT —  You will be in default under this Agreement if You fail to pay the Minimum Payment Due by its Payment 
Due  Date;  pay  by  a  check  or  similar  instrument  that  is  not  honored  or  that  We  must  return  because  it  cannot  be 
processed;  pay  by  automatic  debit  that  is  returned  unpaid;  make  any  false  or  misleading  statements  in  any  credit 
application or credit update; file for bankruptcy; or die. You will also be in default if You fail to comply with the terms of 
this Agreement or any other agreement You have with Us. 
When You are in default and after expiration of any right You have under applicable state law to cure Your default, the 
Credit  Union  has  the  right  to  demand  immediate  payment  of  Your  full  account  balance.  If  immediate  payment  is 
demanded, You agree to continue paying finance charges at the periodic rate charged before default, until what You 
owe has been paid. Also, subject to applicable state law, any shares that were given as security for Your Account may 
be applied towards what You owe. 

11. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION — 

Visa Secured, Visa Elite, Chelsea Community Visa - If You notice the loss or theft of Your credit card or a possible 
unauthorized use of Your Card, You should write to Us immediately at Metro Credit Union C/O PSCU Service Center, 
Inc., Security Department, PO Box 31281, Tampa, FL, 33631-3281 or call Us at (800) 449-7728, seven days a week 
24 hours a day. 
Platinum MasterCard - If You notice the loss or theft of Your credit card or a possible unauthorized use of Your Card, 
You should write to Us immediately at Metro Credit Union C/O PSCU Service Center, Inc., Security Department, PO 
Box 31281, Tampa, FL, 33631-3281 or call Us at (800 449-7728, seven days a week 24 hours a day. 

You will not be liable for any unauthorized use that occurs after You notify Us. You may, however, be liable for 
unauthorized use that occurs before Your notice to Us. For Visa Cards, You will have no liability for unauthorized use 
unless You are found to be fraudulent or negligent in the handling of Your Account or Card. For Mastercard Cards, if You 
exercise reasonable care in safeguarding Your Card from risk of loss or theft and, upon discovering the loss or theft 
promptly report the loss or theft to Us, You will not be liable for any unauthorized transactions. In any case, Your liability for 
unauthorized transactions will not exceed $50. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

02006646-MXC10-P-1-072817 (MXC101-E) 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
12. CHANGING OR TERMINATING YOUR ACCOUNT — As permitted by law, the Credit Union may change the terms of 
this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with 
applicable law. To the extent permitted by law, changes to the Agreement may apply to Your existing account balance 
as well as to future transactions. 

Arizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents -
Either You, Your spouse or the Credit Union may terminate this Agreement at any time, but termination by You, Your 
spouse or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other 
charges You or Your spouse owe under this Agreement. Your obligation to pay the account balance plus any finance 
and other charges You owe under this agreement are subject to all applicable laws and regulations regarding 
repayment requirements. The Card or Cards You receive remain the property of the Credit Union and You must 
recover and surrender to the Credit Union all Cards upon request or upon termination of this Agreement whether by 
You or the Credit Union. 
Residents of all other states - Either You or the Credit Union may terminate this Agreement at any time, but termination 
by You or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other 
charges You owe under this Agreement. Your obligation to pay the account balance plus any finance and other 
charges You owe under this agreement are subject to all applicable laws and regulations regarding repayment 
requirements. The Card or Cards You receive remain the property of the Credit Union and You must recover and 
surrender to the Credit Union all Cards upon request or upon termination of this Agreement whether by You or the 
Credit Union. 

13. AUTHORIZED USERS — Upon Your request, We may issue additional Cards for authorized users that You designate. 
You must notify Us in writing of any termination of an authorized user's right to access Your Account. Your notice must 
include  the  name  of  the  authorized  user  and  Your  Account  number  and/or  any  subaccount  number  issued  to  the 
authorized  user  along  with  the  authorized  user's  Card  and  any  convenience  or  other  access  checks  issued  to  the 
authorized user. If You cannot return the authorized user's Card or access checks and if You request Your Account to 
be  closed,  We  will  close  Your  Account  and  You  may  apply  for  a  new  Account.  Alternatively,  We  may,  at  Our  sole 
discretion, issue You a new Account number and a new Card. 

14. CREDIT REPORTS AND NOTICE OF NEGATIVE INFORMATION  —  You authorize the Credit Union to obtain credit 
reports  and  any  other  information We  may need  to  verify  Your  identity  and  use  of  the  Account  when  opening  Your 
Account  and  for  any  update,  increase,  renewal,  extension,  collection  or  review  of  Your  Account.  You  authorize  the 
Credit Union to disclose information regarding  Your Account to credit  bureaus and creditors  who inquire about  Your 
credit standing. We may report information about Your Account to credit bureaus. Late payments, missed payments, 
or other defaults on Your Account may be reflected on Your credit report. 

15. JOINT  ACCOUNTS  —  If this is a joint Account, each of You will be individually and jointly responsible for paying all 
amounts  owed  under  this  Agreement.  This  means  that  the  Credit  Union  can  require  any  one  of  You  individually  to 
repay the entire amount owed under this Agreement. Each of You authorizes the other(s) to make transactions on the 
Account individually. Any one of You may terminate the Account and the termination will be effective as to all of You. 
16. EFFECT OF AGREEMENT  — This Agreement is the contract which applies to all transactions on Your Account even 

though the sales, cash advances, credit or other slips You sign or receive may contain differentterms. 

17. SEVERABILITY  AND FINAL  EXPRESSION  —  This Agreement is the final expression of the terms and conditions of 
Your  Account.  This  written  Agreement  may not  be  contradicted  by evidence  of  any  alleged  oral  Agreement.  Should 
any part of this Agreement be found to be invalid or unenforceable, all other parts of this Agreement shall remain in 
effect and fully enforceable to the fullest extent possible under this Agreement. 

18. ILLEGAL TRANSACTIONS PROHIBITED — You agree that You will not use Your Card for any transaction, including 
any type of electronic gambling transaction through the Internet, that is illegal under applicable federal, state, or local 
law. 
Even if You use Your Card for an illegal transaction, You will be responsible for all amounts and charges incurred in 
connection with the transaction. This paragraph shall not be interpreted as permitting or authorizing any transaction 
that is illegal. 

19.  APPLICABLE LAW — The terms and enforcement of this Agreement shall be governed by federal law and the law of 

Massachusetts. 

20.  ENFORCING  THIS  AGREEMENT  —  We  can  delay  in  enforcing  or  fail  to  enforce  any  of  Our  rights  under  this 

Agreement without losing them. 

21.  COLLECTION COSTS — If We refer collection of Your Account to a lawyer who is not Our salaried employee, You are 
liable  for  any  reasonable  attorney’s  fees  We  incur,  plus  the  costs  and  expenses  of  any  legal  action,  as  further 
disclosed on this Agreement, or to the extent allowed by law. 

22.  ASSIGNMENT — We may assign any or all of Our rights and obligations under this Agreement to a third party. 
23.  CALIFORNIA RESIDENTS  — A married applicant may apply for a separate Account. Applicants: 1) may, after credit 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

02006646-MXC10-P-1-072817 (MXC101-E) 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
approval, use the credit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to any 
joint applicant. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record 
may be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations. 

24.  FLORIDA RESIDENTS  —  You (borrower) agree that, should We obtain a judgment against You, a portion of 
Your  disposable  earnings  may  be  attached  or  garnished  (paid  to  Us  by  Your  employer),  as  provided  by 
Florida and Federal law. 

25. MARYLAND RESIDENTS — To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your 

Card Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial LawArticle. 

26.  MISSOURI RESIDENTS — Oral Agreements or commitments to loan money, extend credit or to forbear from 
enforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To 
protect You (borrower(s)) and Us (creditor) from  misunderstanding  or  disappointment,  any  Agreements 
We reach covering such matters are contained in this writing, which is the complete and exclusive 
statement of the Agreement between Us, except as We may later agree in writing to modify it. 

27. NEW YORK RESIDENTS — We may obtain a credit report in connection with this Account, including for any review, 
modification, renewal or collections associated  with this Account.  Upon  Your request,  You  will be  informed whether 
such report was requested and, if so, the name and address of the consumer reporting agency furnishing the report. 
New  York  residents  may  contact  the  New  York  State  Banking  Department  at  800.342.3736  or  www.dfs.ny.gov  to 
obtain a comparative listing of credit card rates, fees and grace periods. 

28. OHIO RESIDENTS —  The 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. 

29. SOUTH  DAKOTA  RESIDENTS  —  If  You  believe  there  have  been  any  improprieties  in  making  this  loan  or  in  the 
lender’s  loan  practices,  You  may  contact  the  South  Dakota  Division  of  Banking  at  1601  N.  Harrison  Ave,  Suite  1, 
Pierre, SD 57501, or by phone at 605.773.3421. 

30. WISCONSIN RESIDENTS — If You are married, please contact Us immediately upon receipt of this Agreement at the 
address or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We 
are required to inform Your spouse that We have opened an Account for You. 

31. 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.  As 
required  by  law,  You  are  hereby  notified  that  a  negative  credit  report  reflecting  on  Your  credit  record  may  be 
submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations. 

32. THE  FOLLOWING  IS  REQUIRED  BY  VERMONT  LAW  —  NOTICE  TO  CO-SIGNER  —  YOUR  SIGNATURE  ON 
THIS  NOTE  MEANS  THAT  YOU  ARE  EQUALLY  LIABLE  FOR  REPAYMENT  OF  THIS  LOAN.  IF  THE 
BORROWER DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROMYOU. 

MASTERCARD IS A REGISTERED TRADEMARK, AND THE CIRCLES DESIGN IS A TRADEMARK 

OF MASTERCARD INTERNATIONAL INCORPORATED. 

IOANUN!A. 
© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

02006646-MXC10-P-3-072817 (MXC101-E) 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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 listed on Your 
statement. In Your letter, give Us the following information: 

- Account information: Your name and Account number. 
- Dollar amount: The dollar amount of the suspected error. 
- Description of problem: If You think there is an error on Your bill, describe what You believe is wrong and why 

You believe it is a mistake. 

You must contact Us: 

- Within 60 days after the error appeared on Your statement. 
- At least three business days before an automated payment is scheduled, if You want to stop payment on the 

amount You think is wrong. 

You must notify Us of any potential errors in writing or electronically. You may call Us, but if You do We are not required to 
investigate any potential errors and You may have to pay the amount in question. 

What Will Happen After We Receive 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 thatamount. 
- 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 or electronically 
at the address 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. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

02006646-MXC10-P-3-072817 (MXC101-E)