CREDIT CARD BILLING RIGHTS — TERMS AND CONDITIONS

Your Billing Rights — Keep this notice for future use.

This notice contains important information about your rights and the responsibilities of Fox 
Communities Credit Union under the Fair Credit Billing Act. Notify us in case of errors or 
questions about your bill. 
If you think your bill is wrong, or if you need more information about a transaction on your 
bill write us at:

Fox Communities Credit Union
3401 E. Calumet Street

  Appleton, WI 54915

Contact us as soon as possible, we must hear from you no later than 60 days after we 
sent you the first bill on which the error or problem appeared. You can telephone us at 
920-993-9000, but doing so will not preserve your rights. 
Give us the following information:

• Your name and account number.
• The dollar amount of the suspected error.
• Describe the error and explain, if you can, why you believe there is an error.
    If you need more information, describe the item you are not sure about.

If you tell us about your dispute orally, we may require that you send us your complaint or 
question in writing within 10 business days.

If you have authorized Fox Communities to pay your Credit Card bill automatically from your 
savings or checking account, you can stop the payment on any amount you think is wrong. 
To stop the payment your request must reach us three business days before the automatic 
payment is scheduled to occur.

Your Rights and Our Responsibilities After We Receive Your Written Notice.
Fox Communities must acknowledge your request within 30 days, unless we have corrected 
the error by then. Within 90 days, we must either correct the error or explain why we believe 
the bill was correct. After we receive your letter, we cannot try to collect any amount you 
question, or report you as delinquent. We can continue to bill you for the amount you question, 
including finance charges, and we can apply any unpaid amount against your credit limit. 
You do not have to pay any questioned amount while we are investigating, but you are still 
obligated to pay the parts of your bill that are not in question. If we find that we made a 
mistake on your bill, you will not have to pay any finance charges related to any questioned 
amount. If we didn’t make a mistake, you may have to pay finance charges, and you will 
have to make up any missed payments on the questioned amount. In either case, we will 
send you a statement of the amount you owe and the date that it is due. If you fail to pay 
the amount that we think you owe, we may report you as delinquent. However, if our 
explanation does not satisfy you and you write to us within 10 days telling us that you still 
refuse to pay, we must tell anyone we report you to that you have a question about your 
bill. And, we must tell you the name of anyone we reported you to. We must tell anyone we 
reported you to that the matter has been settled between us when it finally is. If we don’t 
follow these rules, we can’t collect the first $50 of the questioned amount, even if your bill 
was correct.

SPECIAL RULES FOR CREDIT CARD PURCHASES
If you have a problem with the quality of property or services that you purchased with the 
Card, and you have tried in good faith to correct the problem with the merchant, you have 
the right not to pay the remaining amount due on the property or services. There are two 
limitations on this right:

(a) You must have made the purchase in your home state or, if not within your home 

state within 100 miles of your current billing address; and

(b) The purchase must have been more than $50.

These limitations do not apply if we own or operate the merchant, or if we mailed
you the advertisement for the property or service.

TERMS AND CONDITIONS
The purpose of this agreement is to establish the terms and conditions of a Line of Credit. 
In this Agreement, the words “I”, “my”, or “Cardholder” mean each person who applies for 
the Credit Card or who signs this Agreement or who uses the Credit Card or duplicates the 
Credit Card. The word “Card” means your Credit Card and duplicates of said Card. The word 
“account” means the Credit Card revolving credit account with Fox Communities Credit 
Union (“FCCU” or “Issuer”). Signing this Agreement establishes my request for the issuance 
of a Credit Card. The credit limit approved will be established by the credit union. Cardholder 
agrees not to let the account balance exceed this amount.
1. Responsibility. Prior to the use of the Card that may be issued (and any renewals thereof) I 
agree that I will comply with all of the terms and conditions established by FCCU pertaining 
to the use of said Card. The terms and conditions referred to herein are those that are 
provided with this application or communicated in the future. In the event that I do not wish 
to comply with the terms and conditions for any reason, I understand that I may terminate 
this Agreement and return the Card(s) to FCCU. I promise to pay any and all charges incurred 
by me or any person whom I authorize to use the Card issued to me. FCCU reserves the right 
to revoke the Card, without affecting my obligation to pay the account balance. The Cards 
remain Issuer’s property, and if Issuer requests I must recover and surrender to FCCU all 
Cards issued on my account.
2. Convenience Checks. FCCU may, from time to time, supply Cardholder with personalized 
Convenience Checks that are subject to the following conditions.  Only the person whose 
name is printed on a Convenience Check may sign it.  All Convenience Checks must be written 
in U.S. dollars.  Any Convenience Check that Issuer pays will be posted to my account as 
a cash advance and will be subject to all the terms in this agreement that apply to cash 
advances.  The Wisconsin Uniform Commercial Code, as well as applicable FCCU policies and 
fees, will apply to Convenience Checks as if they were drawn on a share draft account.

3.  Finance Charges.  My account will be subject to a finance charge during any statement 
period during which I (a) received, or had outstanding, a cash advance, or (b) failed to pay in 
full the previous balance shown on the statement during the first 27 days of the statement 
period. The interest portion of the finance charge is calculated at a monthly rate on the 
amount subject to interest. The interest rate shall be established by Issuer from time to time, 
but shall never exceed the maximum rate permitted by law. Actual method used to get the 
finance charge is disclosed at the time you receive your first statement.
4. Monthly payment. The line of credit will be repaid as follows: either the full amount 
billed shall be paid, or at my option, an installment equal to at least the required minimum 
payment.  If the outstanding balance of my account is $20.00 or less, it will be payable in full.  
The required minimum monthly payment shall be the greater of (i) $20.00 or (ii) 3% of that 
portion of the outstanding balance which does not exceed my credit limit, plus any amount 
past due or above my credit limit.  I may, of course, pay more than the minimum payment or 
pay the new balance in full and therefore reduce or avoid the finance charge by doing so. A 
minimum payment is required for every statement period and any additional amount paid, 
while reducing my balance, will not prepay any future minimum payments. 
5. Credit Information.  I understand that FCCU may obtain a consumer report from consumer 
reporting agencies in considering this application and that FCCU may periodically review 
my Credit Card file and I hereby give my permission to and authorize FCCU to investigate 
and re-assess my creditworthiness.  I promise not to submit false or inaccurate information 
or willfully conceal information regarding my creditworthiness, credit standing, or credit 
capacity.
6. Change of Address.  FCCU will send all statements or other correspondence regarding my 
account to the address shown in its records.  I promise to notify FCCU of any change in my 
name and address.
7. Default. Cardholder will be in default if Cardholder fails to make the minimum payment on 
time two times during any 12 month period. Cardholder will also be in default if the ability to 
repay FCCU, or the value to FCCU of its security interest, is materially reduced by a change in 
my employment, an increase in my obligations, my failure to abide by these regulations, or 
the fact that my spouse dies, changes in domicile or marital status, or I become the subject of 
bankruptcy or insolvency proceedings. FCCU has the right to demand immediate payment 
of my full account balance if I do not cure any default within 15 days after FCCU sent me a 
written default notice.  FCCU has this right, without notice, if the default is my third within 
12 months and FCCU notified Cardholder of the prior two. In addition, if I am a resident 
of Wisconsin FCCU may declare the account balance due and payable if FCCU receives 
written notice from my spouse terminating the account. I (and my spouse to the extent not 
prohibited by law) remain responsible for all amounts charged to my account both before 
and after receipt of such notice. In the event of suit to collect unpaid balances, all costs, 
including attorney’s fees as may be reasonable and just, and the cost, expenses incurred in 
appellate, bankruptcy and post-judgement proceedings, shall be imposed, except to the 
extent such costs, fees or expenses are prohibited by law.
8. Security Interest. To secure each purchase loan, I grant FCCU a security interest under 
the Uniform Commercial Code in any goods I purchase with my Card. If I default, FCCU will 
have the right to recover any of these goods which have not been fully paid for through the 
application of payments. If I have given FCCU any other security interests for all my debts, my 
Card account will also be secured by the property described in these security agreements 
(except for my home, home furnishings, appliances and clothing) whenever my account 
balance exceeds $1,000.  If I have executed a written agreement granting a security interest 
in any deposit accounts (checking or savings) or other funds held by FCCU to secure my 
obligations under this Credit Card plan, such account and/or funds are additional security for 
my obligations to Issuer arising from the use of my Card.
9.  Foreign Transactions. When I use my Card for a transaction denominated in a currency 
other than U.S. dollars, the transaction amount will be converted into U.S. dollars by applying 
an exchange rate selected by VISA from among the range of rates available in wholesale 
currency markets or the government-mandated rate on the date the transaction is 
processed.  The rate chosen may vary from the rate VISA itself receives.  In each instance, 
an International Service Assessment equal to one percent of the amount of the transaction 
(expressed as a positive number) will be assessed against my account.
10. Illegal Use.  I agree that illegal use of the Card will be deemed an action of default and/
or breech of contract and the line of credit and other related services may be terminated 
at FCCU’s discretion.  I further agree, should illegal use occur, to waive any rights to sue 
FCCU for such illegal use or any activity directly or indirectly related to illegal use and 
additionally agree to indemnify and hold FCCU harmless from any suits or legal action or 
liability resulting from such illegal use.   FCCU reserves the right to decline to authorize any 
transaction that may possess an undue risk of illegal activity.
11. Liability for Unauthorized Use-Lost/Stolen Card Notification. I agree to notify FCCU 
immediately, orally or in writing at 3401 E. Calumet Street, Appleton, WI 54915 or telephone 
920-993-9000, or 1-866-333-4740, of the loss, theft, or unauthorized use of my Credit Card.  I 
will not be liable for unauthorized purchases made with my Credit Card, unless I am grossly 
negligent in the handling of my Card.  In any case, my liability will not exceed $50.  If 10 or 
more Cards are issued for use by employees of a single business or other organization, there 
is no limit to Cardholder’s liability for any unauthorized use that occurs before Cardholder 
notifies Issuer as provided herein, the business or organization may only impose liability on 
its employees for unauthorized use of a card as permitted by federal law and regulation.
12. Governing Law.  To the extent not expressly prohibited by applicable law, this 
Agreement and my account, as well as, FCCU’s rights and duties and my rights and 
duties regarding this Agreement and my account, will be governed by and interpreted in 
accordance with the laws of the State of Wisconsin and the United States, regardless of 
where I may reside or use my account at any time.  This choice of law is made because of 
a strong relationship between this Agreement and my account at FCCU because issuer 
is located in Wisconsin, and to insure uniform procedures and interpretation for all FCCU 
members, no matter where they may reside or use their account.  If any term or provision 
of this agreement is found to be unenforceable, this will not make any other terms or 
provisions unenforceable.
13. Change of Terms.  FCCU may change the terms of this Agreement at any time but will 
give Cardholder a written notice at the Cardholder’s last known address of any changes as 
required by law before the changes take effect.