or more, we will refund it to you on your written request. If we do
not receive a refund request, we will automatically post the credit
to  your  EECU  share  savings  account.  We  reserve  the  right  to
delay  increasing  your  credit  limit  or  delay  disbursing  credit
balance  refunds  until  final  collection  of  non-cash  payments  on
your account for the maximum period allowed by law.  

DEFAULT
You  will  be  in  default  if  you  fail  to  make  any  Minimum
Payment when due in the proper amount, or if you fail to live
up to the terms of this agreement. You will also be in default
if  your  creditworthiness  materially  declines,  you  become
insolvent, you file for bankruptcy relief, you die, or you cease
to be a member of the Credit Union. In addition, you will be
in  default  if  you  have  made  misleading  or  incorrect
statements  or  material  omissions  of  information  in  your
credit application, or you fail to notify the Credit Union of a
change  of  your  employment,  your  name,  or  your  address.
Even if the Credit Union accepts a late payment or a partial
payment, we are not waiving our right to accelerate payment
of  the  account  and  declare  the  entire  unpaid  balance  due.
We have the right to demand immediate payment of your full
account balance if you default, subject to our giving you any
notice  required  by  law.  You  agree  to  pay  our  reasonable
collection costs before we take legal action. If we take legal
action  to  collect  what  you  owe,  you  agree  to  pay  our
reasonable  attorney's  fees  and  court  costs,  whether  the
action  we  take  is  a  collection  suit,  an  action  to  enforce  a
judgment against you, or an action to protect our interests if
you  become  a  bankruptcy  debtor.  Collection  costs  and
attorney's  fees  will  post  to  your  Visa  account  balance  as
Cash  Advances  and  bear  interest  at  the  rate  applicable  to
your Visa account until paid in full.

CHANGES IN AGREEMENT TERMS
Your  EECU  Visa  Account  Agreement  and  Disclosure  is  your
agreement with EECU governing your credit card transactions,
even  though  sales  and  Cash  Advance  slips  and  other
documents  you  sign  related  to  your  transactions  may  have
different  terms  printed  on  them.  This  Agreement  can  only  be
modified  by  a  writing  signed  by  an  authorized  EECU
representative, an official EECU change in terms notice, or the
order of a court to whose jurisdiction we are subject, such as
a  bankruptcy  court.  No  oral  statements  by  EECU  employees
can alter the terms of this Agreement. 

Changes in terms, unless favorable to you, will generally apply
only  to  transactions  made  after  the  effective  date  of  the
change, as specified by applicable state and federal laws and
regulations.  If  required  by  law,  we  will  permit  you  to  reject
certain types of changes, by providing the Credit Union with an
opt-out notice and closing your account.  You would then be
permitted  to  repay  any  balance  on  the  account  under  the
terms in effect prior to the changes or as permitted by law.  

CANCELLATION/TERMINATION OF AGREEMENT
You or any jointly obligated party may cancel this agreement at
any  time  by  notifying  us  in  writing.  If  we  have  given  you  a
written  notice  of  cancellation  and  you  wish  to  have  your

account re-evaluated for a new line of credit, you must reapply
and be approved.

We may reduce your credit line from time to time, or with good
cause, revoke your card and terminate this agreement. We will
give you thirty days' notice before we reduce or terminate your
account  without  cause.  But  as  indicated,  if  you  breach  this
agreement  we  can  terminate  it  without  prior  notice  to  you.
Termination by either of us does not affect your obligation to
pay  the  account  balance,  including  finance  charges.  Cards
and loan drafts remain our property and you must recover and
surrender to us all cards and loan drafts upon our request and
upon termination of this agreement.

CREDIT  INFORMATION  RETAINED  AND  PROVIDED  TO
OTHERS
You  authorize  us  to  investigate  your  credit  standing  when
opening,  renewing,  or  reviewing  your  account,  and  you
authorize us to disclose information regarding your account to
credit bureaus and other creditors who inquire of us about your
credit standing, to the extent authorized by law.

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 obligation.

live 

PERMISSION TO CONTACT YOU
By providing your telephone number you give the Credit Union
(and  its  agents,  third  party  representatives  and  service
providers) permission to contact you regarding your accounts,
transactions  and  services  using 
representatives,
automated  dialing  services,  prerecorded  messages  and  text
messages.    You  give  the  Credit  Union  permission  to  leave
messages,  including  pre-recorded/artificial  voice  messages,
relating  to  your  accounts,  transactions  and  services.    If  you
provide  a  cellular/mobile  number  you  understand  that  your
carrier  may  charge  fees  to  receive  calls,  messages  or  texts.
You agree to, at all times, provide the Credit Union with at least
one  telephone  number  at  which  you  can  be  reached  during
business hours.

YOUR BILLING RIGHTS
KEEP THIS NOTICE FOR FUTURE USE 

STATE  AND  LOCAL  LAW: The  following  summary  of  your
rights  under  federal  law  does  not  cover  all  rights  you  may
have under State and Local law. If, under State or local law,
you have a longer period of time in which to send an inquiry
to the Credit Union concerning your statement, reliance on
any  such  longer  time  period  may  result  in  your  losing
important  rights  which  could  be  preserved  by  acting  more
promptly under federal law. State or local provisions, if any,
only  become  operative  upon  the  expiration  of  the  time
period  provided  by  Federal  Regulation  Z  for  submitting  a
proper  written  notification  of  an  error.  This  notice  contains
important information about your rights and responsibilities
under the Fair Credit Billing Act.

Notify  Us  in  Case  of  Errors  or  Questions  About  Your
Statement or Electronic Transfers

If you think your statement or other documentation is wrong or
if  you  need  more  information  about  a  transaction  on  your
statement,  write  us  on  a  separate  sheet  at:  Educational
Employees Credit Union, Card Services, P.O. Box 5242, Fresno
CA 93755-5242. Write to us as soon as possible. We must hear
from you no later than 60 days after the error appeared on the
first statement. You can telephone us at (559) 437-7700 or toll
free  at  (800)  538-EECU,  but  doing  so  will  not  preserve  your
rights.

In your letter, give us the following information:
• Your name and account number. 
• The dollar amount of the suspected error. 
• A description of the error and explanation of why you believe
there is an error. If you need more information, describe the
item you are not sure about. 

How  to  Stop  Payment  of  a  Pre-authorized  Electronic
Fund Transfer
If  you  have  authorized  us  to  make  your  Visa  payment
automatically from your share draft account, you can stop the
payment on any amount you think is wrong. To stop payment
you must contact us in writing within 3 business days before
the automatic payment is scheduled to occur. If you telephone
your request, we will require you to confirm your verbal request
in  writing.  If  you  order  us  to  stop  one  of  these  payments  3
business  days  or  more  before  the  transfer  is  scheduled,  and
we do not do so, we will be liable for your losses or damages
up to the amount of the transfer.

Your  Rights  and  Our  Responsibilities  After  We  Receive
Your Written Notice of Error
We must acknowledge your letter 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 statement is correct.

After  we  receive  your  letter  and  if  you  have  not  yet  paid  the
disputed  amount,  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 the questioned amount while we are
investigating, but you are still obligated to pay the parts of your
statement that are not in question.

If we find that we made a mistake on your statement, you will not
have  to  pay  any  finance  charges  related  to  any  questioned
amount. If we did not make a mistake, you may have to pay the
finance  charge,  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  statement.  We  must  tell  you  the
name  of  anyone  we  reported  you  to  and  we  must  let  them
know when the matter has been settled.

Special Rule for Credit Card Purchases
If you have a problem with the quality of property or services
that you purchase with a credit card and you have tried in good
faith to correct the problem with the merchant, you may have
the right not to pay the remaining amount due on the property
or services. There are two 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
mailing address; and

(b) The purchase price must have been more than $50. These
limitations do not apply if we own or operate the merchant,
or  if  we  mailed  you  the  advertisement  for  the  property  or
services.

Under  California  law  our  right  to  recover  outstanding  credit
extended to you for Purchases is subject to any defenses that
you have against the seller, if:

1. The purchase price of the item in question exceeded $50; 
2. The purchase was made in California; 
3. You  made  a  written  demand  on  the  retailer  and  made  a
good  faith  attempt  to  get  satisfaction  of  your  complaint;
and 

4. You notify us, in writing, of the name of the seller, the date
of  purchase,  the  price  paid,  the  goods  or  services
purchased, the nature of your defense and the acts which
you took to obtain satisfaction from the seller. 

The  amount  to  which  the  defense  applies  is  limited  to  the
amount outstanding on the purchase as well as late charges
and  finance  charges  at  the  time  the  written  demand  is
received by us. This remedy is the only one you have against
us. Your rights are limited to those circumstances outlined in
California Civil Code § 1747.90. Purchases with cash or check
are  not  included  in  this  section,  even  though  you  used  your
credit card to validate your credit. We cannot penalize you by
either giving out unfavorable credit information about you or
canceling or refusing to renew your credit card solely because
you obtained relief under the remedies you have for correcting
billing errors. 

TERMS  APPLICABLE  TO  VISA  PLATINUM  MYEECU
REWARDS PROGRAM
Visa  Platinum  cardholders  may  participate  in  the  MYEECU
Rewards  program  which  is  governed  by  the  Program  Rules
outlined in the CURewards brochure. The following additional
rules apply to the CURewards program: 
a. No points are earned for a balance transfer from an existing

EECU Visa account or from another credit card. 

b. Points will accrue over five calendar years and will expire on
a first-in-first-out basis annually; points earned in calendar
year one will expire as of the last day of calendar year five.
(For example, points earned in 2014 will expire December
31,  2019;  points  earned  in  2015  will  expire  December  31,
2020, etc.). 

c. If  your  account  is  closed  or  becomes  inactive  for  18
consecutive  months  or  if  you  fail  to  make  the  minimum
payment due by the payment due date for two consecutive
billing periods, your points may be forfeited.  

ATM DISCLOSURE
You  may  use  your  card  to  obtain  Cash  Advances  through
Automated Teller Machines that are part of a nationwide network
of Visa ATMs. These special provisions apply.

AVAILABLE SERVICES 
1. The amount of cash you can obtain may vary depending on

the ATM you use. 

2. ATM  service  is  generally  available  seven  days  a  week,  24

hours a day. 

DOCUMENTATION OF TRANSACTIONS
Cash Advances using your Visa card at an ATM will be shown on
a transaction receipt and on your periodic statement.

CREDIT UNION LIABILITY
If  we  do  not  properly  complete  a  transaction  according  to  our
agreement  with  you,  we  will  be  liable  for  your  direct  losses  or
damages. However, there are some exceptions. We will not be
liable, if:
a. through no fault of ours, you do not have sufficient available

credit to make the transaction; 

b. the  ATM  system  was  not  working  properly  and  you  knew
about the breakdown when you started the transaction; 
c. the money in your account is subject to legal process or other

claim; 

d. your PIN (Personal Identification Number) has been reported

missing and we have blocked its use; 

e. circumstances  beyond  our  control,  such  as  fire,  flood,
electrical failure, or malfunction of the central data processing
facility prevent the completion of the transaction despite our
reasonable precautions; or 
there are other lawful exceptions established by us and you
are given proper advance notice of them. 

f.

In  no  event  will  the  Credit  Union  be  liable  for  consequential
indirect costs or damages.

FEES
If you perform a Cash Advance at an ATM not owned by us, the
owner of the ATM may charge an ATM transaction fee.

SECURITY 
Do not use an ATM unless it appears safe to do so. Do not key
in your PIN if someone is looking. Be sure you take your card and
receipt  when  you  are  done.  Put  your  money  away  quickly  and
leave the site.

Federally Insured by NCUA

©EECU
(V.2.22.2010)

M-116986

DISC 2 25M (12/15)

VISA ACCOUNT AGREEMENT 
and
 DISCLOSURE

EDUCATIONAL EMPLOYEES CREDIT UNION
Shaded Paragraphs Are Truth in Lending Requirements.
This  agreement  outlines  the  terms  and  conditions  of  your
Educational Employees Credit Union Visa account and provides
required  by  government
certain  disclosure 
regulations.  Keep  this  disclosure  with  your  permanent
documents.

information 

In this document, the words "you," "your," and "yours," refer to
each and all of those who apply for a Visa credit card, sign the
agreement, or all parties who use the card. The words "we," "us,"
"our,"  “Credit  Union,”  and  “EECU”  refer  to  the  Educational
Employees  Credit  Union.    The  term  "card"  refers  to  the  Visa
credit  card  received  with  this  agreement  and  any  duplicates
and/or renewals we issue. The term "account" refers to your Visa
credit card line of credit account with us.

You  acknowledge  receipt  of  a  copy  of  this  Visa  Account
Agreement  and  Disclosure.  By  using  the  card,  any  access
device,  or  by  authorizing  another  person  to  use  your  account,
you agree to and accept the terms as stated.

GENERAL TERMS
The terms of this agreement must be read together as part of the
whole agreement. When the singular is used the plural is implied
if there is more than one signer. If any part of this agreement is
found to be invalid the other parts shall remain in effect. 

Any borrower who receives a card issued under this agreement
must be a member of this Credit Union.

YOUR RESPONSIBILITY
If your application is approved, each applicant will receive a card
and  will  be  able  to  use  the  account.  The  applicants  may  also
receive Visa convenience checks from time to time at the Credit
Union's  option.  Each  applicant  is  liable  to  repay  the  account
under the terms of this agreement.

You agree to make your payments when due, and in an amount

not  smaller  than  the  minimum  monthly  payment  required  as
disclosed  in  the  paragraph  entitled,  "Making  Payments."  On  a
joint  account,  each  party  is  equally  responsible  for  all  charges
under  this  agreement,  even  though  another  person  has  been
directed to pay the debt by agreement of court order such as a
divorce decree. You agree to notify us immediately of any change
in your name, address, or any change in your financial condition
which may affect your ability to repay.

PERSONS USING YOUR ACCOUNT
You are obligated to repay any charges resulting from the use
of  the  card  or  a  Visa  convenience  check  by  another  person
with  your  permission  whether  or  not  the  person  stays  within
the  limits  set  by  you.  If  you  notify  us  that  a  previously
authorized user is no longer authorized to use the account, we
will follow our usual procedures to preclude their further use of
the account. If you cannot get the card back from the user, you
must  let  us  know  and  we  will  treat  the  card  as  stolen.
Otherwise you must return the card to us. You will be liable for
all  use  of  the  card  up  to  the  time  you  notify  us  that  the
authorization is terminated.

Any persons who use the card or convenience checks are also
obligated  to  repay  the  Credit  Union  for  all  charges  incurred
because of their use of the card or loan drafts.

OUR RESPONSIBILITY
If you have available credit and are not otherwise in default, we
will honor Purchases and Balance Transfers up to your credit limit
and  Cash  Advances  up  to  your  Cash  Advance  limit.  We  will
provide  you  with  a  timely  monthly  statement  that  contains  all
information and disclosure required by law. 

LOST/STOLEN OR UNAUTHORIZED USE OF CARD
Unless  you  have  notified  us  that  the  card  has  been  lost  or
stolen,  all  transactions,  whether  made  by  you  or  another
person,  will  be  assumed  to  have  been  made  with  your
consent.  You  agree  to  report  the  loss,  theft,  or  unauthorized
use of your card promptly. Report your lost/stolen card to (559)
437-7700 or (800) 538-EECU. You may also write to us at P.O.
Box 5242, Fresno CA 93755-5242. Calling us is the best way
to  keep  losses  down.  Per  Visa  operating  rules,  you  will
generally  have  no  liability  for  unauthorized  use  of  your  card.
However, it benefits all Credit Union members if losses due to
unauthorized use claims are kept to a minimum.

The zero liability rule does not apply to certain point-of-sale and
ATM  transactions  as  set  forth  in  Visa  operating  rules.  Your
maximum liability for unauthorized use of a Visa credit card for
these point-of-sale or ATM transactions is $50. Your liability may
increase if you report the loss or theft of your card more than two
business days (48 hours) after the discovery of the loss or theft.
You will have no liability for unauthorized transactions that occur
after you report the loss or theft of your card to us.

You  may  create  a  special  "Verified  by  Visa"  password  to  verify
your  identity  and  provide  added  protection  to  your  online
Purchases.  You  can  create  your  own  password  at
www.visa.com/verified.

HOW TO USE YOUR VISA ACCOUNT
Your Visa account can be accessed in the ways detailed below.
Your monthly Visa statement will identify the merchant, electronic
terminal, or financial institution at which transactions were made;
but sales, Cash Advances, and credit slips cannot be returned with
the statement. You will retain your copy of such slips furnished at
the time of the transaction in order to verify the monthly statement.
(a) Cash Advances: You may obtain Cash Advances on your Visa
account  at  any  branch  of  the  Credit  Union  up  to  your  cash
advance limit, which may be lower than your credit limit. You
may obtain Cash Advances at other financial institutions that
honor  Visa  cards,  subject  to  those  institutions'  limitations.
Cash Advances are subject to fees as outlined in the “OTHER
CHARGES” section of this agreement.

(b) Cash Advances at an Automated Teller Machine (ATM): ATMs
located  across  the  nation  will  disburse  Cash  Advances  on
your card; a Visa emblem will be shown on the face of each
machine. To receive a Cash Advance from a participating Visa
ATM,  you  must  insert  your  card  and  input  your  Personal
Identification Number (PIN) which you will receive within 5 to
10  days  after  you  receive  your  card.  The  maximum  Cash
Advance may vary between ATMs. The use of your credit card
for ATM access is subject to additional ATM disclosure terms.
Cash Advances are subject to fees as outlined in the “OTHER
CHARGES” section of this agreement.

IMPORTANT: FOR YOUR PROTECTION, DO NOT WRITE
YOUR PIN NUMBER ON YOUR CARD OR KEEP IT NEAR
YOUR CARD.

(c) Purchases: You may use your Visa card for Purchases anywhere
the card is honored by presenting the card to the merchant and
signing the sales slip or voucher. You can also make Purchases
by mail, telephone, or via the internet by providing the merchant
with your card number and expiration date.

(d) Visa Convenience Checks: The Credit Union from time to time
may send you Visa convenience checks. You can use them to
make Purchases or to obtain loan advances. You may not use
the convenience checks to pay any outstanding balance you
owe  under  this  agreement.  Visa  convenience  checks  are
treated as a Cash Advance for purposes of calculating finance
charges,  whether  you  use  them  to  make  a  Purchase  or  to
obtain a Cash Advance.  Use of Visa convenience checks are
subject to fees as outlined in the “OTHER CHARGES” section
of this agreement.

Visa  convenience  checks  are  subject  to  the  following
additional  rules:  (i)  Merchant  dispute  rights  to  which  credit
cards  are  subject  do  not  apply  to  use  of  Visa  convenience
checks.  (ii)  To  stop  payment  on  a  Visa  convenience  checks,
you must provide your account number, the draft number and
the exact amount of the draft; otherwise our computer system
will not be able to find the draft and stop payment on it and you
will need to resolve any disputes directly with the payee of the
draft.  (iii)  Destroy  any  Visa  convenience  checks  you  do  not
wish  to  use.  (iv)  We  will  not  be  responsible  for  unauthorized
convenience checks paid on your account unless you report
them to us within 60 days after we mail you the first statement
on  which  they  appear.  (v)  Report  any  lost  or  stolen
convenience checks immediately; otherwise you may be liable
if an unauthorized convenience check is paid on your account.  

(e) Foreign Transactions: Purchases and Cash Advances made
in foreign countries and foreign currencies will be billed to
you  in  U.S.  dollars.  The  exchange  rate  between  the
transaction currency and the billing currency (U.S. dollars)
will  be  (a)  a  rate  selected  by  Visa  from  the  range  of  rates
available  in  the  wholesale  currency  markets  for  the
applicable  central  processing  date,  which  rate  may  vary
from  the  rate  Visa  itself  receives,  or  (b)  the  government-
mandated  rate  in  effect  for  the  applicable  central
processing  date,  in  each  instance,  plus  or  minus  any
adjustment  determined  by  the  Credit  Union.  If  a  Cash
Advance  is  conducted  an  additional  fee  of  2%  of  the
transaction amount ($5 minimum) will apply. 
Inquiries: Information about your Visa account is available 24
hours a day through VISA PIN POINT service or through the
Home  Banking  section  of  the  Credit  Union  website.  Either
service will provide account information such as your balance,
last payment received and/or your available credit. VISA PIN
POINT  can  be  accessed  with  a  touch-tone  telephone  by
calling (800) 892-9603. The Credit Union website address is
www.myEECU.org.

(f)

(g) Prohibited Transactions: You agree that you will not use or
allow your Visa account to be used for illegal transactions
such  as  illegal  gambling.  If  we  reasonably  believe  a
transaction is unlawful we have the right but not the duty to
decline  it.  Display  of  a  Visa  logo  by  a  merchant  does  not
necessarily  mean 
lawful.
the 
Responsibility  for  determining  the  legality  of  your  Visa
transactions  rests  with  you,  not  with  us.  The  actual  or
alleged  illegality  of  an  authorized  transaction  will  not  be
defense to your obligation to pay.

transaction 

that 

is 

(h) We will not be liable for the failure or refusal of any merchant

to accept your Visa Card or Visa convenience checks.

YOUR CREDIT LIMIT
If  your  Visa  application  is  approved,  the  Credit  Union  will
establish  a  self-replenishing  line  of  credit  for  you,  and  notify
you of the amount in writing. This means that you can borrow
the full amount of the credit limit, repay the principal in full or
part, and borrow again up to your maximum amount of credit,
as long as you remain a member in good standing of the Credit
Union  and  continue  to  be  creditworthy.  Your  credit  limit  and
the  unused  portion  still  available  to  you  will  show  on  your
monthly  statement.  Your  available  amount  is  reduced  by  the
principal  balance  owing,  accrued  finance  charges,  fees  and
late charges, if any. You agree not to let the account balance
exceed your approved credit limit.

If you wish to increase your credit limit, you must apply to the
Credit  Union  by  written,  phone,  or  online  application,  which
must be approved. Unless prohibited by law, we may increase
your credit limit at any time at our option and will notify you in
writing  if  we  do  this.  Your  credit  limit  will  be  reviewed
periodically  and  you  may  be  requested  to  provide  current
information.  We  will  notify  you  in  writing  if  we  increase,
decrease, or terminate with good cause your credit limit and/or
account.  Good  cause  includes,  but  is  not  limited  to,  your
failure  to  comply  with  this  agreement  or  our  adverse  re-
evaluation of your creditworthiness.

BALANCE TRANSFERS
You  may  ask  the  Credit  Union  to  transfer  the  balance  of  your
other credit cards to your EECU Visa account by sending us a
written request to do so or by using a Visa convenience check.
Your  written  request  must  state  the  name  of  the  company,  the
address,  the  account  number  and  the  amount  of  the  payoff  or
must include a payment stub. Balance Transfers are subject to
fees  as  outlined  in  the  “OTHER  CHARGES”  section  of  this
agreement.  If you elect to transfer balances to your EECU Visa
account, the following will apply:
(a) Transfer Amount: We will transfer as much as possible without

exceeding your credit line.

(b) Minimum Payments: Allow four (4) weeks for balances to be
transferred.  You  should  continue  paying  the  minimum
monthly  amount  due  on  your  other  accounts  until  the
balances  have  been  transferred.  We  are  not  responsible  for
any  late  payments,  finance  charges,  disputed  amounts  or
errors on your other accounts.

(c) Billing Disputes: If you currently have any amounts in a billing
dispute, we recommend that they not be transferred because
you may lose your billing dispute rights.  

(d) Finance  Charge:  Balance  Transfers  are  treated  as  Cash
Advances  and  are  assessed  finance  charges  from  the
transaction date.  Finance charges continue until payment in
full is received for the balance.

(e) Closing  Accounts:  Transferring  balances  may  not
automatically close your other accounts. To do so, you should
contact each company directly.

MONTHLY PAYMENTS
You agree to pay all amounts borrowed plus interest, fees and
other charges called for by this agreement in U.S. dollars using
lawful  instruments  drawn  on  U.S.  financial  institutions.    You
agree  to  make  at  least  your  required  minimum  monthly
payment on or before the due date on your periodic statement.

MINIMUM PAYMENT SCHEDULE

BALANCE
Under $20
$20 to $1,000
Over $1,000

MINIMUM PAYMENT
Entire Balance
$20
2% of the principal balance

Your minimum payment must also include any past-due or over-
limit amounts. If your balance exceeds $1,000, increased balances
will result in increased minimum payments. 

The minimum payment amount may be applied to the lowest rate
balance. To the extent your payment exceeds the required minimum;
the excess will be applied first to higher rate balances and then to
lower  rate  balances.  Subject  to  the  requirement  that  payments  in
excess  of  the  minimum  be  applied  to  higher-rate  balances  first,
payments  are  applied  in  the  following  order:  (a)  previously  billed
interest, fees and other charges; (b) previously billed Purchases and
Cash  Advances;  and  (c)  interest,  fees  and  other  charges  on
Purchases and Cash Advances during the current billing cycle; and
(d) Purchases and Cash Advances during the current billing cycle. 

If you take advantage of any promotional or introductory APR
offers,  payments  to  your  account  may  be  applied  to  the
balances at the promotional or introductory APR offer first and

not  to  balances  with  higher  APRs  until  the  promotional  or
introductory  APR  balances  have  been  paid  in  full  or  have
expired.  

You  can  pay  all  or  part  of  your  full  balance  due  at  any  time
without  prepayment  penalty.  If  you  make  more  than  your
required minimum payment, you will still be required to make
your next month's required minimum payment by its due date.
Making  more  than  the  required  minimum  payment  will
generally reduce the time it takes to pay off your balance and
the interest you pay.

We may offer “skip payment” promotions from time to time. If
you elect to skip your payment, interest will continue to accrue.
Our  offering  you  a  skip  payment  will  not  waive  our  right  to
require you to make any other payment on its due date.  

MAKING PAYMENTS
Mail the top half of your monthly Visa statement with your check
or  other  payment  instrument  to  the  address  shown  on  your
periodic statement. You may also make your payment at any of
our offices or through the EECU Home Banking site by making a
transfer from your deposit account.   It is your responsibility to
ensure  that  your  payment  arrives  at  our  payment  processing
center on time. We are not responsible for mail lost, damaged or
misdelivered by the postal service.

DO  NOT 
OBLIGATIONS WITH YOUR CREDIT CARD PAYMENT 

INCLUDE  PAYMENTS  FOR  OTHER  EECU

FINANCE CHARGES 
You will pay interest and other charges on your Visa account.
Interest and some of the other charges are called “Finance
Charges.” Finance Charges are the amounts of money that
you  pay  for  the  money  that  you  borrow.  In  addition  to
interest, some of the fees in the “OTHER CHARGES” section
of  your  Visa  Account  Agreement  and  Disclosure,  shown  in
bold,  are  considered  Finance  Charges.    To  make  Visa
accounts  available  to  as  many  members  as  possible,  we
offer a variety of rates. The actual rate of interest applicable
to your account will depend on a number of factors we may
lawfully  consider,  including  but  not  limited  to  your  credit
history. When you are approved for a Visa account, we will
disclose the ANNUAL PERCENTAGE RATE and any variable
rate  formula  that  will  apply  to  your  Educational  Employees
Credit  Union  Visa  account  in  writing  before  you  can  start
using your account.

Finance  Charge  Calculation  Method:  Average  Daily  Balance
(including new purchases): We start by calculating the average
daily balance for the billing period. For each day of the billing
period, we determine the daily balance by adding up all Cash
Advances, Purchases, and debit adjustments plus any amount
outstanding as of your most recent payment, then subtracting
any payments and credits for that day. We then add all of the
daily  balances  for  the  billing  period  and  divide  them  by  the
number  of  days  in  the  billing  period.  We  then  multiply  the
average  daily  balance  by  the  monthly  periodic  rate  to
determine  the  finance  charge  for  that  billing  period.  The
minimum finance charge in a billing cycle is $.50.

Grace  Period:  You  will  have  a  grace  period  of  25  days  on
average  for  repayment  of  Purchases.  Cash  Advances  and
Balance Transfers are subject to finance charges from the day
they post to your account until they are paid in full.  If you do not
pay your entire statement balance in full within the 25-day grace
period, finance charges will accrue. 

We can change your interest rate and other finance charges
by  giving  you  advance  notice  as  is  required  by  applicable
law.  Unless  you  have  a  variable  rate  account,  changes  will
generally apply to transactions initiated more than 14 days
after provision of the notice. 

OTHER CHARGES
In  addition  to  Finance  Charges,  the  following  fees  may  be
assessed to your Visa  Account. They will be added to the
principal balance and will accrue interest until paid:

•
Late Payment:
• Returned Payment:
• Over-the-Credit Limit:
• Balance Transfer:

• Cash Advance:*

•

Account Research:

Statement Copies:

•
• Replacement Cards:

Up to $15.00
$24.00
None
$5.00 or 2% of the transfer
amount, whichever is greater
$5.00 or 2% of the cash advance
amount, whichever is greater
$20.00 per hour, one hour 
minimum
$3.00 per statement
$5.00 per card, plus additional
charge for rush orders

•

•

•

•
•

Stop Payment on Recurring
Visa Transaction:
Stop Payment on
Visa Convenience Check: $15.00
Visa Convenience Check: The standard cash advance fee

$15.00

Visa Sales Slip Copy:
Visa Card Rush Order:

applies to each Visa
Convenience Check paid
$12.00 each
2 days - $25.00; 4 days - $15.00

For new accounts, fees and charges are also stated in the Truth
in Lending Credit Card Opening Disclosure incorporated into
this  Agreement  by  reference  and  provided  to  you  separately
when your account was opened.

*The  following  are  considered  Cash  Advances:  (a)  obtaining
cash at an ATM using your Visa card; (b) a Cash Advance at a
financial  institution  or  other  entity  that  offer  Visa  Cash
Advances; (c) funds from the use of a Visa convenience check;
(d) a Balance Transfer.

CREDITS
If a merchant who honors your card gives you credit for returns
or adjustments, he will do so by sending us a credit slip which we
will  post  to  your  account.  You  will  be  liable  for  any  finance
charges that accrue between the end of your grace period and
the  time  the  credit  posts  to  your  account.  If  your  credits  and
payments  exceed  what  you  owe,  the  amount  will  be  applied
against future Purchases and Cash Advances. If the credit is $1

not  smaller  than  the  minimum  monthly  payment  required  as
disclosed  in  the  paragraph  entitled,  "Making  Payments."  On  a
joint  account,  each  party  is  equally  responsible  for  all  charges
under  this  agreement,  even  though  another  person  has  been
directed to pay the debt by agreement of court order such as a
divorce decree. You agree to notify us immediately of any change
in your name, address, or any change in your financial condition
which may affect your ability to repay.

PERSONS USING YOUR ACCOUNT
You are obligated to repay any charges resulting from the use
of  the  card  or  a  Visa  convenience  check  by  another  person
with  your  permission  whether  or  not  the  person  stays  within
the  limits  set  by  you.  If  you  notify  us  that  a  previously
authorized user is no longer authorized to use the account, we
will follow our usual procedures to preclude their further use of
the account. If you cannot get the card back from the user, you
must  let  us  know  and  we  will  treat  the  card  as  stolen.
Otherwise you must return the card to us. You will be liable for
all  use  of  the  card  up  to  the  time  you  notify  us  that  the
authorization is terminated.

Any persons who use the card or convenience checks are also
obligated  to  repay  the  Credit  Union  for  all  charges  incurred
because of their use of the card or loan drafts.

OUR RESPONSIBILITY
If you have available credit and are not otherwise in default, we
will honor Purchases and Balance Transfers up to your credit limit
and  Cash  Advances  up  to  your  Cash  Advance  limit.  We  will
provide  you  with  a  timely  monthly  statement  that  contains  all
information and disclosure required by law. 

LOST/STOLEN OR UNAUTHORIZED USE OF CARD
Unless  you  have  notified  us  that  the  card  has  been  lost  or
stolen,  all  transactions,  whether  made  by  you  or  another
person,  will  be  assumed  to  have  been  made  with  your
consent.  You  agree  to  report  the  loss,  theft,  or  unauthorized
use of your card promptly. Report your lost/stolen card to (559)
437-7700 or (800) 538-EECU. You may also write to us at P.O.
Box 5242, Fresno CA 93755-5242. Calling us is the best way
to  keep  losses  down.  Per  Visa  operating  rules,  you  will
generally  have  no  liability  for  unauthorized  use  of  your  card.
However, it benefits all Credit Union members if losses due to
unauthorized use claims are kept to a minimum.

The zero liability rule does not apply to certain point-of-sale and
ATM  transactions  as  set  forth  in  Visa  operating  rules.  Your
maximum liability for unauthorized use of a Visa credit card for
these point-of-sale or ATM transactions is $50. Your liability may
increase if you report the loss or theft of your card more than two
business days (48 hours) after the discovery of the loss or theft.
You will have no liability for unauthorized transactions that occur
after you report the loss or theft of your card to us.

You  may  create  a  special  "Verified  by  Visa"  password  to  verify
your  identity  and  provide  added  protection  to  your  online
Purchases.  You  can  create  your  own  password  at
www.visa.com/verified.

HOW TO USE YOUR VISA ACCOUNT
Your Visa account can be accessed in the ways detailed below.
Your monthly Visa statement will identify the merchant, electronic
terminal, or financial institution at which transactions were made;
but sales, Cash Advances, and credit slips cannot be returned with
the statement. You will retain your copy of such slips furnished at
the time of the transaction in order to verify the monthly statement.
(a) Cash Advances: You may obtain Cash Advances on your Visa
account  at  any  branch  of  the  Credit  Union  up  to  your  cash
advance limit, which may be lower than your credit limit. You
may obtain Cash Advances at other financial institutions that
honor  Visa  cards,  subject  to  those  institutions'  limitations.
Cash Advances are subject to fees as outlined in the “OTHER
CHARGES” section of this agreement.

(b) Cash Advances at an Automated Teller Machine (ATM): ATMs
located  across  the  nation  will  disburse  Cash  Advances  on
your card; a Visa emblem will be shown on the face of each
machine. To receive a Cash Advance from a participating Visa
ATM,  you  must  insert  your  card  and  input  your  Personal
Identification Number (PIN) which you will receive within 5 to
10  days  after  you  receive  your  card.  The  maximum  Cash
Advance may vary between ATMs. The use of your credit card
for ATM access is subject to additional ATM disclosure terms.
Cash Advances are subject to fees as outlined in the “OTHER
CHARGES” section of this agreement.

IMPORTANT: FOR YOUR PROTECTION, DO NOT WRITE
YOUR PIN NUMBER ON YOUR CARD OR KEEP IT NEAR
YOUR CARD.

(c) Purchases: You may use your Visa card for Purchases anywhere
the card is honored by presenting the card to the merchant and
signing the sales slip or voucher. You can also make Purchases
by mail, telephone, or via the internet by providing the merchant
with your card number and expiration date.

(d) Visa Convenience Checks: The Credit Union from time to time
may send you Visa convenience checks. You can use them to
make Purchases or to obtain loan advances. You may not use
the convenience checks to pay any outstanding balance you
owe  under  this  agreement.  Visa  convenience  checks  are
treated as a Cash Advance for purposes of calculating finance
charges,  whether  you  use  them  to  make  a  Purchase  or  to
obtain a Cash Advance.  Use of Visa convenience checks are
subject to fees as outlined in the “OTHER CHARGES” section
of this agreement.

Visa  convenience  checks  are  subject  to  the  following
additional  rules:  (i)  Merchant  dispute  rights  to  which  credit
cards  are  subject  do  not  apply  to  use  of  Visa  convenience
checks.  (ii)  To  stop  payment  on  a  Visa  convenience  checks,
you must provide your account number, the draft number and
the exact amount of the draft; otherwise our computer system
will not be able to find the draft and stop payment on it and you
will need to resolve any disputes directly with the payee of the
draft.  (iii)  Destroy  any  Visa  convenience  checks  you  do  not
wish  to  use.  (iv)  We  will  not  be  responsible  for  unauthorized
convenience checks paid on your account unless you report
them to us within 60 days after we mail you the first statement
on  which  they  appear.  (v)  Report  any  lost  or  stolen
convenience checks immediately; otherwise you may be liable
if an unauthorized convenience check is paid on your account.  

(e) Foreign Transactions: Purchases and Cash Advances made
in foreign countries and foreign currencies will be billed to
you  in  U.S.  dollars.  The  exchange  rate  between  the
transaction currency and the billing currency (U.S. dollars)
will  be  (a)  a  rate  selected  by  Visa  from  the  range  of  rates
available  in  the  wholesale  currency  markets  for  the
applicable  central  processing  date,  which  rate  may  vary
from  the  rate  Visa  itself  receives,  or  (b)  the  government-
mandated  rate  in  effect  for  the  applicable  central
processing  date,  in  each  instance,  plus  or  minus  any
adjustment  determined  by  the  Credit  Union.  If  a  Cash
Advance  is  conducted  an  additional  fee  of  2%  of  the
transaction amount ($5 minimum) will apply. 
Inquiries: Information about your Visa account is available 24
hours a day through VISA PIN POINT service or through the
Home  Banking  section  of  the  Credit  Union  website.  Either
service will provide account information such as your balance,
last payment received and/or your available credit. VISA PIN
POINT  can  be  accessed  with  a  touch-tone  telephone  by
calling (800) 892-9603. The Credit Union website address is
www.myEECU.org.

(f)

(g) Prohibited Transactions: You agree that you will not use or
allow your Visa account to be used for illegal transactions
such  as  illegal  gambling.  If  we  reasonably  believe  a
transaction is unlawful we have the right but not the duty to
decline  it.  Display  of  a  Visa  logo  by  a  merchant  does  not
necessarily  mean 
lawful.
the 
Responsibility  for  determining  the  legality  of  your  Visa
transactions  rests  with  you,  not  with  us.  The  actual  or
alleged  illegality  of  an  authorized  transaction  will  not  be
defense to your obligation to pay.

transaction 

that 

is 

(h) We will not be liable for the failure or refusal of any merchant

to accept your Visa Card or Visa convenience checks.

YOUR CREDIT LIMIT
If  your  Visa  application  is  approved,  the  Credit  Union  will
establish  a  self-replenishing  line  of  credit  for  you,  and  notify
you of the amount in writing. This means that you can borrow
the full amount of the credit limit, repay the principal in full or
part, and borrow again up to your maximum amount of credit,
as long as you remain a member in good standing of the Credit
Union  and  continue  to  be  creditworthy.  Your  credit  limit  and
the  unused  portion  still  available  to  you  will  show  on  your
monthly  statement.  Your  available  amount  is  reduced  by  the
principal  balance  owing,  accrued  finance  charges,  fees  and
late charges, if any. You agree not to let the account balance
exceed your approved credit limit.

If you wish to increase your credit limit, you must apply to the
Credit  Union  by  written,  phone,  or  online  application,  which
must be approved. Unless prohibited by law, we may increase
your credit limit at any time at our option and will notify you in
writing  if  we  do  this.  Your  credit  limit  will  be  reviewed
periodically  and  you  may  be  requested  to  provide  current
information.  We  will  notify  you  in  writing  if  we  increase,
decrease, or terminate with good cause your credit limit and/or
account.  Good  cause  includes,  but  is  not  limited  to,  your
failure  to  comply  with  this  agreement  or  our  adverse  re-
evaluation of your creditworthiness.

BALANCE TRANSFERS
You  may  ask  the  Credit  Union  to  transfer  the  balance  of  your
other credit cards to your EECU Visa account by sending us a
written request to do so or by using a Visa convenience check.
Your  written  request  must  state  the  name  of  the  company,  the
address,  the  account  number  and  the  amount  of  the  payoff  or
must include a payment stub. Balance Transfers are subject to
fees  as  outlined  in  the  “OTHER  CHARGES”  section  of  this
agreement.  If you elect to transfer balances to your EECU Visa
account, the following will apply:
(a) Transfer Amount: We will transfer as much as possible without

exceeding your credit line.

(b) Minimum Payments: Allow four (4) weeks for balances to be
transferred.  You  should  continue  paying  the  minimum
monthly  amount  due  on  your  other  accounts  until  the
balances  have  been  transferred.  We  are  not  responsible  for
any  late  payments,  finance  charges,  disputed  amounts  or
errors on your other accounts.

(c) Billing Disputes: If you currently have any amounts in a billing
dispute, we recommend that they not be transferred because
you may lose your billing dispute rights.  

(d) Finance  Charge:  Balance  Transfers  are  treated  as  Cash
Advances  and  are  assessed  finance  charges  from  the
transaction date.  Finance charges continue until payment in
full is received for the balance.

(e) Closing  Accounts:  Transferring  balances  may  not
automatically close your other accounts. To do so, you should
contact each company directly.

MONTHLY PAYMENTS
You agree to pay all amounts borrowed plus interest, fees and
other charges called for by this agreement in U.S. dollars using
lawful  instruments  drawn  on  U.S.  financial  institutions.    You
agree  to  make  at  least  your  required  minimum  monthly
payment on or before the due date on your periodic statement.

MINIMUM PAYMENT SCHEDULE

BALANCE
Under $20
$20 to $1,000
Over $1,000

MINIMUM PAYMENT
Entire Balance
$20
2% of the principal balance

Your minimum payment must also include any past-due or over-
limit amounts. If your balance exceeds $1,000, increased balances
will result in increased minimum payments. 

The minimum payment amount may be applied to the lowest rate
balance. To the extent your payment exceeds the required minimum;
the excess will be applied first to higher rate balances and then to
lower  rate  balances.  Subject  to  the  requirement  that  payments  in
excess  of  the  minimum  be  applied  to  higher-rate  balances  first,
payments  are  applied  in  the  following  order:  (a)  previously  billed
interest, fees and other charges; (b) previously billed Purchases and
Cash  Advances;  and  (c)  interest,  fees  and  other  charges  on
Purchases and Cash Advances during the current billing cycle; and
(d) Purchases and Cash Advances during the current billing cycle. 

If you take advantage of any promotional or introductory APR
offers,  payments  to  your  account  may  be  applied  to  the
balances at the promotional or introductory APR offer first and

not  to  balances  with  higher  APRs  until  the  promotional  or
introductory  APR  balances  have  been  paid  in  full  or  have
expired.  

You  can  pay  all  or  part  of  your  full  balance  due  at  any  time
without  prepayment  penalty.  If  you  make  more  than  your
required minimum payment, you will still be required to make
your next month's required minimum payment by its due date.
Making  more  than  the  required  minimum  payment  will
generally reduce the time it takes to pay off your balance and
the interest you pay.

We may offer “skip payment” promotions from time to time. If
you elect to skip your payment, interest will continue to accrue.
Our  offering  you  a  skip  payment  will  not  waive  our  right  to
require you to make any other payment on its due date.  

MAKING PAYMENTS
Mail the top half of your monthly Visa statement with your check
or  other  payment  instrument  to  the  address  shown  on  your
periodic statement. You may also make your payment at any of
our offices or through the EECU Home Banking site by making a
transfer from your deposit account.   It is your responsibility to
ensure  that  your  payment  arrives  at  our  payment  processing
center on time. We are not responsible for mail lost, damaged or
misdelivered by the postal service.

DO  NOT 
OBLIGATIONS WITH YOUR CREDIT CARD PAYMENT 

INCLUDE  PAYMENTS  FOR  OTHER  EECU

FINANCE CHARGES 
You will pay interest and other charges on your Visa account.
Interest and some of the other charges are called “Finance
Charges.” Finance Charges are the amounts of money that
you  pay  for  the  money  that  you  borrow.  In  addition  to
interest, some of the fees in the “OTHER CHARGES” section
of  your  Visa  Account  Agreement  and  Disclosure,  shown  in
bold,  are  considered  Finance  Charges.    To  make  Visa
accounts  available  to  as  many  members  as  possible,  we
offer a variety of rates. The actual rate of interest applicable
to your account will depend on a number of factors we may
lawfully  consider,  including  but  not  limited  to  your  credit
history. When you are approved for a Visa account, we will
disclose the ANNUAL PERCENTAGE RATE and any variable
rate  formula  that  will  apply  to  your  Educational  Employees
Credit  Union  Visa  account  in  writing  before  you  can  start
using your account.

Finance  Charge  Calculation  Method:  Average  Daily  Balance
(including new purchases): We start by calculating the average
daily balance for the billing period. For each day of the billing
period, we determine the daily balance by adding up all Cash
Advances, Purchases, and debit adjustments plus any amount
outstanding as of your most recent payment, then subtracting
any payments and credits for that day. We then add all of the
daily  balances  for  the  billing  period  and  divide  them  by  the
number  of  days  in  the  billing  period.  We  then  multiply  the
average  daily  balance  by  the  monthly  periodic  rate  to
determine  the  finance  charge  for  that  billing  period.  The
minimum finance charge in a billing cycle is $.50.

Grace  Period:  You  will  have  a  grace  period  of  25  days  on
average  for  repayment  of  Purchases.  Cash  Advances  and
Balance Transfers are subject to finance charges from the day
they post to your account until they are paid in full.  If you do not
pay your entire statement balance in full within the 25-day grace
period, finance charges will accrue. 

We can change your interest rate and other finance charges
by  giving  you  advance  notice  as  is  required  by  applicable
law.  Unless  you  have  a  variable  rate  account,  changes  will
generally apply to transactions initiated more than 14 days
after provision of the notice. 

OTHER CHARGES
In  addition  to  Finance  Charges,  the  following  fees  may  be
assessed to your Visa  Account. They will be added to the
principal balance and will accrue interest until paid:

•
Late Payment:
• Returned Payment:
• Over-the-Credit Limit:
• Balance Transfer:

• Cash Advance:*

•

Account Research:

Statement Copies:

•
• Replacement Cards:

Up to $15.00
$24.00
None
$5.00 or 2% of the transfer
amount, whichever is greater
$5.00 or 2% of the cash advance
amount, whichever is greater
$20.00 per hour, one hour 
minimum
$3.00 per statement
$5.00 per card, plus additional
charge for rush orders

•

•

•

•
•

Stop Payment on Recurring
Visa Transaction:
Stop Payment on
Visa Convenience Check: $15.00
Visa Convenience Check: The standard cash advance fee

$15.00

Visa Sales Slip Copy:
Visa Card Rush Order:

applies to each Visa
Convenience Check paid
$12.00 each
2 days - $25.00; 4 days - $15.00

For new accounts, fees and charges are also stated in the Truth
in Lending Credit Card Opening Disclosure incorporated into
this  Agreement  by  reference  and  provided  to  you  separately
when your account was opened.

*The  following  are  considered  Cash  Advances:  (a)  obtaining
cash at an ATM using your Visa card; (b) a Cash Advance at a
financial  institution  or  other  entity  that  offer  Visa  Cash
Advances; (c) funds from the use of a Visa convenience check;
(d) a Balance Transfer.

CREDITS
If a merchant who honors your card gives you credit for returns
or adjustments, he will do so by sending us a credit slip which we
will  post  to  your  account.  You  will  be  liable  for  any  finance
charges that accrue between the end of your grace period and
the  time  the  credit  posts  to  your  account.  If  your  credits  and
payments  exceed  what  you  owe,  the  amount  will  be  applied
against future Purchases and Cash Advances. If the credit is $1

not  smaller  than  the  minimum  monthly  payment  required  as
disclosed  in  the  paragraph  entitled,  "Making  Payments."  On  a
joint  account,  each  party  is  equally  responsible  for  all  charges
under  this  agreement,  even  though  another  person  has  been
directed to pay the debt by agreement of court order such as a
divorce decree. You agree to notify us immediately of any change
in your name, address, or any change in your financial condition
which may affect your ability to repay.

PERSONS USING YOUR ACCOUNT
You are obligated to repay any charges resulting from the use
of  the  card  or  a  Visa  convenience  check  by  another  person
with  your  permission  whether  or  not  the  person  stays  within
the  limits  set  by  you.  If  you  notify  us  that  a  previously
authorized user is no longer authorized to use the account, we
will follow our usual procedures to preclude their further use of
the account. If you cannot get the card back from the user, you
must  let  us  know  and  we  will  treat  the  card  as  stolen.
Otherwise you must return the card to us. You will be liable for
all  use  of  the  card  up  to  the  time  you  notify  us  that  the
authorization is terminated.

Any persons who use the card or convenience checks are also
obligated  to  repay  the  Credit  Union  for  all  charges  incurred
because of their use of the card or loan drafts.

OUR RESPONSIBILITY
If you have available credit and are not otherwise in default, we
will honor Purchases and Balance Transfers up to your credit limit
and  Cash  Advances  up  to  your  Cash  Advance  limit.  We  will
provide  you  with  a  timely  monthly  statement  that  contains  all
information and disclosure required by law. 

LOST/STOLEN OR UNAUTHORIZED USE OF CARD
Unless  you  have  notified  us  that  the  card  has  been  lost  or
stolen,  all  transactions,  whether  made  by  you  or  another
person,  will  be  assumed  to  have  been  made  with  your
consent.  You  agree  to  report  the  loss,  theft,  or  unauthorized
use of your card promptly. Report your lost/stolen card to (559)
437-7700 or (800) 538-EECU. You may also write to us at P.O.
Box 5242, Fresno CA 93755-5242. Calling us is the best way
to  keep  losses  down.  Per  Visa  operating  rules,  you  will
generally  have  no  liability  for  unauthorized  use  of  your  card.
However, it benefits all Credit Union members if losses due to
unauthorized use claims are kept to a minimum.

The zero liability rule does not apply to certain point-of-sale and
ATM  transactions  as  set  forth  in  Visa  operating  rules.  Your
maximum liability for unauthorized use of a Visa credit card for
these point-of-sale or ATM transactions is $50. Your liability may
increase if you report the loss or theft of your card more than two
business days (48 hours) after the discovery of the loss or theft.
You will have no liability for unauthorized transactions that occur
after you report the loss or theft of your card to us.

You  may  create  a  special  "Verified  by  Visa"  password  to  verify
your  identity  and  provide  added  protection  to  your  online
Purchases.  You  can  create  your  own  password  at
www.visa.com/verified.

HOW TO USE YOUR VISA ACCOUNT
Your Visa account can be accessed in the ways detailed below.
Your monthly Visa statement will identify the merchant, electronic
terminal, or financial institution at which transactions were made;
but sales, Cash Advances, and credit slips cannot be returned with
the statement. You will retain your copy of such slips furnished at
the time of the transaction in order to verify the monthly statement.
(a) Cash Advances: You may obtain Cash Advances on your Visa
account  at  any  branch  of  the  Credit  Union  up  to  your  cash
advance limit, which may be lower than your credit limit. You
may obtain Cash Advances at other financial institutions that
honor  Visa  cards,  subject  to  those  institutions'  limitations.
Cash Advances are subject to fees as outlined in the “OTHER
CHARGES” section of this agreement.

(b) Cash Advances at an Automated Teller Machine (ATM): ATMs
located  across  the  nation  will  disburse  Cash  Advances  on
your card; a Visa emblem will be shown on the face of each
machine. To receive a Cash Advance from a participating Visa
ATM,  you  must  insert  your  card  and  input  your  Personal
Identification Number (PIN) which you will receive within 5 to
10  days  after  you  receive  your  card.  The  maximum  Cash
Advance may vary between ATMs. The use of your credit card
for ATM access is subject to additional ATM disclosure terms.
Cash Advances are subject to fees as outlined in the “OTHER
CHARGES” section of this agreement.

IMPORTANT: FOR YOUR PROTECTION, DO NOT WRITE
YOUR PIN NUMBER ON YOUR CARD OR KEEP IT NEAR
YOUR CARD.

(c) Purchases: You may use your Visa card for Purchases anywhere
the card is honored by presenting the card to the merchant and
signing the sales slip or voucher. You can also make Purchases
by mail, telephone, or via the internet by providing the merchant
with your card number and expiration date.

(d) Visa Convenience Checks: The Credit Union from time to time
may send you Visa convenience checks. You can use them to
make Purchases or to obtain loan advances. You may not use
the convenience checks to pay any outstanding balance you
owe  under  this  agreement.  Visa  convenience  checks  are
treated as a Cash Advance for purposes of calculating finance
charges,  whether  you  use  them  to  make  a  Purchase  or  to
obtain a Cash Advance.  Use of Visa convenience checks are
subject to fees as outlined in the “OTHER CHARGES” section
of this agreement.

Visa  convenience  checks  are  subject  to  the  following
additional  rules:  (i)  Merchant  dispute  rights  to  which  credit
cards  are  subject  do  not  apply  to  use  of  Visa  convenience
checks.  (ii)  To  stop  payment  on  a  Visa  convenience  checks,
you must provide your account number, the draft number and
the exact amount of the draft; otherwise our computer system
will not be able to find the draft and stop payment on it and you
will need to resolve any disputes directly with the payee of the
draft.  (iii)  Destroy  any  Visa  convenience  checks  you  do  not
wish  to  use.  (iv)  We  will  not  be  responsible  for  unauthorized
convenience checks paid on your account unless you report
them to us within 60 days after we mail you the first statement
on  which  they  appear.  (v)  Report  any  lost  or  stolen
convenience checks immediately; otherwise you may be liable
if an unauthorized convenience check is paid on your account.  

(e) Foreign Transactions: Purchases and Cash Advances made
in foreign countries and foreign currencies will be billed to
you  in  U.S.  dollars.  The  exchange  rate  between  the
transaction currency and the billing currency (U.S. dollars)
will  be  (a)  a  rate  selected  by  Visa  from  the  range  of  rates
available  in  the  wholesale  currency  markets  for  the
applicable  central  processing  date,  which  rate  may  vary
from  the  rate  Visa  itself  receives,  or  (b)  the  government-
mandated  rate  in  effect  for  the  applicable  central
processing  date,  in  each  instance,  plus  or  minus  any
adjustment  determined  by  the  Credit  Union.  If  a  Cash
Advance  is  conducted  an  additional  fee  of  2%  of  the
transaction amount ($5 minimum) will apply. 
Inquiries: Information about your Visa account is available 24
hours a day through VISA PIN POINT service or through the
Home  Banking  section  of  the  Credit  Union  website.  Either
service will provide account information such as your balance,
last payment received and/or your available credit. VISA PIN
POINT  can  be  accessed  with  a  touch-tone  telephone  by
calling (800) 892-9603. The Credit Union website address is
www.myEECU.org.

(f)

(g) Prohibited Transactions: You agree that you will not use or
allow your Visa account to be used for illegal transactions
such  as  illegal  gambling.  If  we  reasonably  believe  a
transaction is unlawful we have the right but not the duty to
decline  it.  Display  of  a  Visa  logo  by  a  merchant  does  not
necessarily  mean 
lawful.
the 
Responsibility  for  determining  the  legality  of  your  Visa
transactions  rests  with  you,  not  with  us.  The  actual  or
alleged  illegality  of  an  authorized  transaction  will  not  be
defense to your obligation to pay.

transaction 

that 

is 

(h) We will not be liable for the failure or refusal of any merchant

to accept your Visa Card or Visa convenience checks.

YOUR CREDIT LIMIT
If  your  Visa  application  is  approved,  the  Credit  Union  will
establish  a  self-replenishing  line  of  credit  for  you,  and  notify
you of the amount in writing. This means that you can borrow
the full amount of the credit limit, repay the principal in full or
part, and borrow again up to your maximum amount of credit,
as long as you remain a member in good standing of the Credit
Union  and  continue  to  be  creditworthy.  Your  credit  limit  and
the  unused  portion  still  available  to  you  will  show  on  your
monthly  statement.  Your  available  amount  is  reduced  by  the
principal  balance  owing,  accrued  finance  charges,  fees  and
late charges, if any. You agree not to let the account balance
exceed your approved credit limit.

If you wish to increase your credit limit, you must apply to the
Credit  Union  by  written,  phone,  or  online  application,  which
must be approved. Unless prohibited by law, we may increase
your credit limit at any time at our option and will notify you in
writing  if  we  do  this.  Your  credit  limit  will  be  reviewed
periodically  and  you  may  be  requested  to  provide  current
information.  We  will  notify  you  in  writing  if  we  increase,
decrease, or terminate with good cause your credit limit and/or
account.  Good  cause  includes,  but  is  not  limited  to,  your
failure  to  comply  with  this  agreement  or  our  adverse  re-
evaluation of your creditworthiness.

BALANCE TRANSFERS
You  may  ask  the  Credit  Union  to  transfer  the  balance  of  your
other credit cards to your EECU Visa account by sending us a
written request to do so or by using a Visa convenience check.
Your  written  request  must  state  the  name  of  the  company,  the
address,  the  account  number  and  the  amount  of  the  payoff  or
must include a payment stub. Balance Transfers are subject to
fees  as  outlined  in  the  “OTHER  CHARGES”  section  of  this
agreement.  If you elect to transfer balances to your EECU Visa
account, the following will apply:
(a) Transfer Amount: We will transfer as much as possible without

exceeding your credit line.

(b) Minimum Payments: Allow four (4) weeks for balances to be
transferred.  You  should  continue  paying  the  minimum
monthly  amount  due  on  your  other  accounts  until  the
balances  have  been  transferred.  We  are  not  responsible  for
any  late  payments,  finance  charges,  disputed  amounts  or
errors on your other accounts.

(c) Billing Disputes: If you currently have any amounts in a billing
dispute, we recommend that they not be transferred because
you may lose your billing dispute rights.  

(d) Finance  Charge:  Balance  Transfers  are  treated  as  Cash
Advances  and  are  assessed  finance  charges  from  the
transaction date.  Finance charges continue until payment in
full is received for the balance.

(e) Closing  Accounts:  Transferring  balances  may  not
automatically close your other accounts. To do so, you should
contact each company directly.

MONTHLY PAYMENTS
You agree to pay all amounts borrowed plus interest, fees and
other charges called for by this agreement in U.S. dollars using
lawful  instruments  drawn  on  U.S.  financial  institutions.    You
agree  to  make  at  least  your  required  minimum  monthly
payment on or before the due date on your periodic statement.

MINIMUM PAYMENT SCHEDULE

BALANCE
Under $20
$20 to $1,000
Over $1,000

MINIMUM PAYMENT
Entire Balance
$20
2% of the principal balance

Your minimum payment must also include any past-due or over-
limit amounts. If your balance exceeds $1,000, increased balances
will result in increased minimum payments. 

The minimum payment amount may be applied to the lowest rate
balance. To the extent your payment exceeds the required minimum;
the excess will be applied first to higher rate balances and then to
lower  rate  balances.  Subject  to  the  requirement  that  payments  in
excess  of  the  minimum  be  applied  to  higher-rate  balances  first,
payments  are  applied  in  the  following  order:  (a)  previously  billed
interest, fees and other charges; (b) previously billed Purchases and
Cash  Advances;  and  (c)  interest,  fees  and  other  charges  on
Purchases and Cash Advances during the current billing cycle; and
(d) Purchases and Cash Advances during the current billing cycle. 

If you take advantage of any promotional or introductory APR
offers,  payments  to  your  account  may  be  applied  to  the
balances at the promotional or introductory APR offer first and

not  to  balances  with  higher  APRs  until  the  promotional  or
introductory  APR  balances  have  been  paid  in  full  or  have
expired.  

You  can  pay  all  or  part  of  your  full  balance  due  at  any  time
without  prepayment  penalty.  If  you  make  more  than  your
required minimum payment, you will still be required to make
your next month's required minimum payment by its due date.
Making  more  than  the  required  minimum  payment  will
generally reduce the time it takes to pay off your balance and
the interest you pay.

We may offer “skip payment” promotions from time to time. If
you elect to skip your payment, interest will continue to accrue.
Our  offering  you  a  skip  payment  will  not  waive  our  right  to
require you to make any other payment on its due date.  

MAKING PAYMENTS
Mail the top half of your monthly Visa statement with your check
or  other  payment  instrument  to  the  address  shown  on  your
periodic statement. You may also make your payment at any of
our offices or through the EECU Home Banking site by making a
transfer from your deposit account.   It is your responsibility to
ensure  that  your  payment  arrives  at  our  payment  processing
center on time. We are not responsible for mail lost, damaged or
misdelivered by the postal service.

DO  NOT 
OBLIGATIONS WITH YOUR CREDIT CARD PAYMENT 

INCLUDE  PAYMENTS  FOR  OTHER  EECU

FINANCE CHARGES 
You will pay interest and other charges on your Visa account.
Interest and some of the other charges are called “Finance
Charges.” Finance Charges are the amounts of money that
you  pay  for  the  money  that  you  borrow.  In  addition  to
interest, some of the fees in the “OTHER CHARGES” section
of  your  Visa  Account  Agreement  and  Disclosure,  shown  in
bold,  are  considered  Finance  Charges.    To  make  Visa
accounts  available  to  as  many  members  as  possible,  we
offer a variety of rates. The actual rate of interest applicable
to your account will depend on a number of factors we may
lawfully  consider,  including  but  not  limited  to  your  credit
history. When you are approved for a Visa account, we will
disclose the ANNUAL PERCENTAGE RATE and any variable
rate  formula  that  will  apply  to  your  Educational  Employees
Credit  Union  Visa  account  in  writing  before  you  can  start
using your account.

Finance  Charge  Calculation  Method:  Average  Daily  Balance
(including new purchases): We start by calculating the average
daily balance for the billing period. For each day of the billing
period, we determine the daily balance by adding up all Cash
Advances, Purchases, and debit adjustments plus any amount
outstanding as of your most recent payment, then subtracting
any payments and credits for that day. We then add all of the
daily  balances  for  the  billing  period  and  divide  them  by  the
number  of  days  in  the  billing  period.  We  then  multiply  the
average  daily  balance  by  the  monthly  periodic  rate  to
determine  the  finance  charge  for  that  billing  period.  The
minimum finance charge in a billing cycle is $.50.

Grace  Period:  You  will  have  a  grace  period  of  25  days  on
average  for  repayment  of  Purchases.  Cash  Advances  and
Balance Transfers are subject to finance charges from the day
they post to your account until they are paid in full.  If you do not
pay your entire statement balance in full within the 25-day grace
period, finance charges will accrue. 

We can change your interest rate and other finance charges
by  giving  you  advance  notice  as  is  required  by  applicable
law.  Unless  you  have  a  variable  rate  account,  changes  will
generally apply to transactions initiated more than 14 days
after provision of the notice. 

OTHER CHARGES
In  addition  to  Finance  Charges,  the  following  fees  may  be
assessed to your Visa  Account. They will be added to the
principal balance and will accrue interest until paid:

•
Late Payment:
• Returned Payment:
• Over-the-Credit Limit:
• Balance Transfer:

• Cash Advance:*

•

Account Research:

Statement Copies:

•
• Replacement Cards:

Up to $15.00
$24.00
None
$5.00 or 2% of the transfer
amount, whichever is greater
$5.00 or 2% of the cash advance
amount, whichever is greater
$20.00 per hour, one hour 
minimum
$3.00 per statement
$5.00 per card, plus additional
charge for rush orders

•

•

•

•
•

Stop Payment on Recurring
Visa Transaction:
Stop Payment on
Visa Convenience Check: $15.00
Visa Convenience Check: The standard cash advance fee

$15.00

Visa Sales Slip Copy:
Visa Card Rush Order:

applies to each Visa
Convenience Check paid
$12.00 each
2 days - $25.00; 4 days - $15.00

For new accounts, fees and charges are also stated in the Truth
in Lending Credit Card Opening Disclosure incorporated into
this  Agreement  by  reference  and  provided  to  you  separately
when your account was opened.

*The  following  are  considered  Cash  Advances:  (a)  obtaining
cash at an ATM using your Visa card; (b) a Cash Advance at a
financial  institution  or  other  entity  that  offer  Visa  Cash
Advances; (c) funds from the use of a Visa convenience check;
(d) a Balance Transfer.

CREDITS
If a merchant who honors your card gives you credit for returns
or adjustments, he will do so by sending us a credit slip which we
will  post  to  your  account.  You  will  be  liable  for  any  finance
charges that accrue between the end of your grace period and
the  time  the  credit  posts  to  your  account.  If  your  credits  and
payments  exceed  what  you  owe,  the  amount  will  be  applied
against future Purchases and Cash Advances. If the credit is $1

not  smaller  than  the  minimum  monthly  payment  required  as
disclosed  in  the  paragraph  entitled,  "Making  Payments."  On  a
joint  account,  each  party  is  equally  responsible  for  all  charges
under  this  agreement,  even  though  another  person  has  been
directed to pay the debt by agreement of court order such as a
divorce decree. You agree to notify us immediately of any change
in your name, address, or any change in your financial condition
which may affect your ability to repay.

PERSONS USING YOUR ACCOUNT
You are obligated to repay any charges resulting from the use
of  the  card  or  a  Visa  convenience  check  by  another  person
with  your  permission  whether  or  not  the  person  stays  within
the  limits  set  by  you.  If  you  notify  us  that  a  previously
authorized user is no longer authorized to use the account, we
will follow our usual procedures to preclude their further use of
the account. If you cannot get the card back from the user, you
must  let  us  know  and  we  will  treat  the  card  as  stolen.
Otherwise you must return the card to us. You will be liable for
all  use  of  the  card  up  to  the  time  you  notify  us  that  the
authorization is terminated.

Any persons who use the card or convenience checks are also
obligated  to  repay  the  Credit  Union  for  all  charges  incurred
because of their use of the card or loan drafts.

OUR RESPONSIBILITY
If you have available credit and are not otherwise in default, we
will honor Purchases and Balance Transfers up to your credit limit
and  Cash  Advances  up  to  your  Cash  Advance  limit.  We  will
provide  you  with  a  timely  monthly  statement  that  contains  all
information and disclosure required by law. 

LOST/STOLEN OR UNAUTHORIZED USE OF CARD
Unless  you  have  notified  us  that  the  card  has  been  lost  or
stolen,  all  transactions,  whether  made  by  you  or  another
person,  will  be  assumed  to  have  been  made  with  your
consent.  You  agree  to  report  the  loss,  theft,  or  unauthorized
use of your card promptly. Report your lost/stolen card to (559)
437-7700 or (800) 538-EECU. You may also write to us at P.O.
Box 5242, Fresno CA 93755-5242. Calling us is the best way
to  keep  losses  down.  Per  Visa  operating  rules,  you  will
generally  have  no  liability  for  unauthorized  use  of  your  card.
However, it benefits all Credit Union members if losses due to
unauthorized use claims are kept to a minimum.

The zero liability rule does not apply to certain point-of-sale and
ATM  transactions  as  set  forth  in  Visa  operating  rules.  Your
maximum liability for unauthorized use of a Visa credit card for
these point-of-sale or ATM transactions is $50. Your liability may
increase if you report the loss or theft of your card more than two
business days (48 hours) after the discovery of the loss or theft.
You will have no liability for unauthorized transactions that occur
after you report the loss or theft of your card to us.

You  may  create  a  special  "Verified  by  Visa"  password  to  verify
your  identity  and  provide  added  protection  to  your  online
Purchases.  You  can  create  your  own  password  at
www.visa.com/verified.

HOW TO USE YOUR VISA ACCOUNT
Your Visa account can be accessed in the ways detailed below.
Your monthly Visa statement will identify the merchant, electronic
terminal, or financial institution at which transactions were made;
but sales, Cash Advances, and credit slips cannot be returned with
the statement. You will retain your copy of such slips furnished at
the time of the transaction in order to verify the monthly statement.
(a) Cash Advances: You may obtain Cash Advances on your Visa
account  at  any  branch  of  the  Credit  Union  up  to  your  cash
advance limit, which may be lower than your credit limit. You
may obtain Cash Advances at other financial institutions that
honor  Visa  cards,  subject  to  those  institutions'  limitations.
Cash Advances are subject to fees as outlined in the “OTHER
CHARGES” section of this agreement.

(b) Cash Advances at an Automated Teller Machine (ATM): ATMs
located  across  the  nation  will  disburse  Cash  Advances  on
your card; a Visa emblem will be shown on the face of each
machine. To receive a Cash Advance from a participating Visa
ATM,  you  must  insert  your  card  and  input  your  Personal
Identification Number (PIN) which you will receive within 5 to
10  days  after  you  receive  your  card.  The  maximum  Cash
Advance may vary between ATMs. The use of your credit card
for ATM access is subject to additional ATM disclosure terms.
Cash Advances are subject to fees as outlined in the “OTHER
CHARGES” section of this agreement.

IMPORTANT: FOR YOUR PROTECTION, DO NOT WRITE
YOUR PIN NUMBER ON YOUR CARD OR KEEP IT NEAR
YOUR CARD.

(c) Purchases: You may use your Visa card for Purchases anywhere
the card is honored by presenting the card to the merchant and
signing the sales slip or voucher. You can also make Purchases
by mail, telephone, or via the internet by providing the merchant
with your card number and expiration date.

(d) Visa Convenience Checks: The Credit Union from time to time
may send you Visa convenience checks. You can use them to
make Purchases or to obtain loan advances. You may not use
the convenience checks to pay any outstanding balance you
owe  under  this  agreement.  Visa  convenience  checks  are
treated as a Cash Advance for purposes of calculating finance
charges,  whether  you  use  them  to  make  a  Purchase  or  to
obtain a Cash Advance.  Use of Visa convenience checks are
subject to fees as outlined in the “OTHER CHARGES” section
of this agreement.

Visa  convenience  checks  are  subject  to  the  following
additional  rules:  (i)  Merchant  dispute  rights  to  which  credit
cards  are  subject  do  not  apply  to  use  of  Visa  convenience
checks.  (ii)  To  stop  payment  on  a  Visa  convenience  checks,
you must provide your account number, the draft number and
the exact amount of the draft; otherwise our computer system
will not be able to find the draft and stop payment on it and you
will need to resolve any disputes directly with the payee of the
draft.  (iii)  Destroy  any  Visa  convenience  checks  you  do  not
wish  to  use.  (iv)  We  will  not  be  responsible  for  unauthorized
convenience checks paid on your account unless you report
them to us within 60 days after we mail you the first statement
on  which  they  appear.  (v)  Report  any  lost  or  stolen
convenience checks immediately; otherwise you may be liable
if an unauthorized convenience check is paid on your account.  

(e) Foreign Transactions: Purchases and Cash Advances made
in foreign countries and foreign currencies will be billed to
you  in  U.S.  dollars.  The  exchange  rate  between  the
transaction currency and the billing currency (U.S. dollars)
will  be  (a)  a  rate  selected  by  Visa  from  the  range  of  rates
available  in  the  wholesale  currency  markets  for  the
applicable  central  processing  date,  which  rate  may  vary
from  the  rate  Visa  itself  receives,  or  (b)  the  government-
mandated  rate  in  effect  for  the  applicable  central
processing  date,  in  each  instance,  plus  or  minus  any
adjustment  determined  by  the  Credit  Union.  If  a  Cash
Advance  is  conducted  an  additional  fee  of  2%  of  the
transaction amount ($5 minimum) will apply. 
Inquiries: Information about your Visa account is available 24
hours a day through VISA PIN POINT service or through the
Home  Banking  section  of  the  Credit  Union  website.  Either
service will provide account information such as your balance,
last payment received and/or your available credit. VISA PIN
POINT  can  be  accessed  with  a  touch-tone  telephone  by
calling (800) 892-9603. The Credit Union website address is
www.myEECU.org.

(f)

(g) Prohibited Transactions: You agree that you will not use or
allow your Visa account to be used for illegal transactions
such  as  illegal  gambling.  If  we  reasonably  believe  a
transaction is unlawful we have the right but not the duty to
decline  it.  Display  of  a  Visa  logo  by  a  merchant  does  not
necessarily  mean 
lawful.
the 
Responsibility  for  determining  the  legality  of  your  Visa
transactions  rests  with  you,  not  with  us.  The  actual  or
alleged  illegality  of  an  authorized  transaction  will  not  be
defense to your obligation to pay.

transaction 

that 

is 

(h) We will not be liable for the failure or refusal of any merchant

to accept your Visa Card or Visa convenience checks.

YOUR CREDIT LIMIT
If  your  Visa  application  is  approved,  the  Credit  Union  will
establish  a  self-replenishing  line  of  credit  for  you,  and  notify
you of the amount in writing. This means that you can borrow
the full amount of the credit limit, repay the principal in full or
part, and borrow again up to your maximum amount of credit,
as long as you remain a member in good standing of the Credit
Union  and  continue  to  be  creditworthy.  Your  credit  limit  and
the  unused  portion  still  available  to  you  will  show  on  your
monthly  statement.  Your  available  amount  is  reduced  by  the
principal  balance  owing,  accrued  finance  charges,  fees  and
late charges, if any. You agree not to let the account balance
exceed your approved credit limit.

If you wish to increase your credit limit, you must apply to the
Credit  Union  by  written,  phone,  or  online  application,  which
must be approved. Unless prohibited by law, we may increase
your credit limit at any time at our option and will notify you in
writing  if  we  do  this.  Your  credit  limit  will  be  reviewed
periodically  and  you  may  be  requested  to  provide  current
information.  We  will  notify  you  in  writing  if  we  increase,
decrease, or terminate with good cause your credit limit and/or
account.  Good  cause  includes,  but  is  not  limited  to,  your
failure  to  comply  with  this  agreement  or  our  adverse  re-
evaluation of your creditworthiness.

BALANCE TRANSFERS
You  may  ask  the  Credit  Union  to  transfer  the  balance  of  your
other credit cards to your EECU Visa account by sending us a
written request to do so or by using a Visa convenience check.
Your  written  request  must  state  the  name  of  the  company,  the
address,  the  account  number  and  the  amount  of  the  payoff  or
must include a payment stub. Balance Transfers are subject to
fees  as  outlined  in  the  “OTHER  CHARGES”  section  of  this
agreement.  If you elect to transfer balances to your EECU Visa
account, the following will apply:
(a) Transfer Amount: We will transfer as much as possible without

exceeding your credit line.

(b) Minimum Payments: Allow four (4) weeks for balances to be
transferred.  You  should  continue  paying  the  minimum
monthly  amount  due  on  your  other  accounts  until  the
balances  have  been  transferred.  We  are  not  responsible  for
any  late  payments,  finance  charges,  disputed  amounts  or
errors on your other accounts.

(c) Billing Disputes: If you currently have any amounts in a billing
dispute, we recommend that they not be transferred because
you may lose your billing dispute rights.  

(d) Finance  Charge:  Balance  Transfers  are  treated  as  Cash
Advances  and  are  assessed  finance  charges  from  the
transaction date.  Finance charges continue until payment in
full is received for the balance.

(e) Closing  Accounts:  Transferring  balances  may  not
automatically close your other accounts. To do so, you should
contact each company directly.

MONTHLY PAYMENTS
You agree to pay all amounts borrowed plus interest, fees and
other charges called for by this agreement in U.S. dollars using
lawful  instruments  drawn  on  U.S.  financial  institutions.    You
agree  to  make  at  least  your  required  minimum  monthly
payment on or before the due date on your periodic statement.

MINIMUM PAYMENT SCHEDULE

BALANCE
Under $20
$20 to $1,000
Over $1,000

MINIMUM PAYMENT
Entire Balance
$20
2% of the principal balance

Your minimum payment must also include any past-due or over-
limit amounts. If your balance exceeds $1,000, increased balances
will result in increased minimum payments. 

The minimum payment amount may be applied to the lowest rate
balance. To the extent your payment exceeds the required minimum;
the excess will be applied first to higher rate balances and then to
lower  rate  balances.  Subject  to  the  requirement  that  payments  in
excess  of  the  minimum  be  applied  to  higher-rate  balances  first,
payments  are  applied  in  the  following  order:  (a)  previously  billed
interest, fees and other charges; (b) previously billed Purchases and
Cash  Advances;  and  (c)  interest,  fees  and  other  charges  on
Purchases and Cash Advances during the current billing cycle; and
(d) Purchases and Cash Advances during the current billing cycle. 

If you take advantage of any promotional or introductory APR
offers,  payments  to  your  account  may  be  applied  to  the
balances at the promotional or introductory APR offer first and

not  to  balances  with  higher  APRs  until  the  promotional  or
introductory  APR  balances  have  been  paid  in  full  or  have
expired.  

You  can  pay  all  or  part  of  your  full  balance  due  at  any  time
without  prepayment  penalty.  If  you  make  more  than  your
required minimum payment, you will still be required to make
your next month's required minimum payment by its due date.
Making  more  than  the  required  minimum  payment  will
generally reduce the time it takes to pay off your balance and
the interest you pay.

We may offer “skip payment” promotions from time to time. If
you elect to skip your payment, interest will continue to accrue.
Our  offering  you  a  skip  payment  will  not  waive  our  right  to
require you to make any other payment on its due date.  

MAKING PAYMENTS
Mail the top half of your monthly Visa statement with your check
or  other  payment  instrument  to  the  address  shown  on  your
periodic statement. You may also make your payment at any of
our offices or through the EECU Home Banking site by making a
transfer from your deposit account.   It is your responsibility to
ensure  that  your  payment  arrives  at  our  payment  processing
center on time. We are not responsible for mail lost, damaged or
misdelivered by the postal service.

DO  NOT 
OBLIGATIONS WITH YOUR CREDIT CARD PAYMENT 

INCLUDE  PAYMENTS  FOR  OTHER  EECU

FINANCE CHARGES 
You will pay interest and other charges on your Visa account.
Interest and some of the other charges are called “Finance
Charges.” Finance Charges are the amounts of money that
you  pay  for  the  money  that  you  borrow.  In  addition  to
interest, some of the fees in the “OTHER CHARGES” section
of  your  Visa  Account  Agreement  and  Disclosure,  shown  in
bold,  are  considered  Finance  Charges.    To  make  Visa
accounts  available  to  as  many  members  as  possible,  we
offer a variety of rates. The actual rate of interest applicable
to your account will depend on a number of factors we may
lawfully  consider,  including  but  not  limited  to  your  credit
history. When you are approved for a Visa account, we will
disclose the ANNUAL PERCENTAGE RATE and any variable
rate  formula  that  will  apply  to  your  Educational  Employees
Credit  Union  Visa  account  in  writing  before  you  can  start
using your account.

Finance  Charge  Calculation  Method:  Average  Daily  Balance
(including new purchases): We start by calculating the average
daily balance for the billing period. For each day of the billing
period, we determine the daily balance by adding up all Cash
Advances, Purchases, and debit adjustments plus any amount
outstanding as of your most recent payment, then subtracting
any payments and credits for that day. We then add all of the
daily  balances  for  the  billing  period  and  divide  them  by  the
number  of  days  in  the  billing  period.  We  then  multiply  the
average  daily  balance  by  the  monthly  periodic  rate  to
determine  the  finance  charge  for  that  billing  period.  The
minimum finance charge in a billing cycle is $.50.

Grace  Period:  You  will  have  a  grace  period  of  25  days  on
average  for  repayment  of  Purchases.  Cash  Advances  and
Balance Transfers are subject to finance charges from the day
they post to your account until they are paid in full.  If you do not
pay your entire statement balance in full within the 25-day grace
period, finance charges will accrue. 

We can change your interest rate and other finance charges
by  giving  you  advance  notice  as  is  required  by  applicable
law.  Unless  you  have  a  variable  rate  account,  changes  will
generally apply to transactions initiated more than 14 days
after provision of the notice. 

OTHER CHARGES
In  addition  to  Finance  Charges,  the  following  fees  may  be
assessed to your Visa  Account. They will be added to the
principal balance and will accrue interest until paid:

•
Late Payment:
• Returned Payment:
• Over-the-Credit Limit:
• Balance Transfer:

• Cash Advance:*

•

Account Research:

Statement Copies:

•
• Replacement Cards:

Up to $15.00
$24.00
None
$5.00 or 2% of the transfer
amount, whichever is greater
$5.00 or 2% of the cash advance
amount, whichever is greater
$20.00 per hour, one hour 
minimum
$3.00 per statement
$5.00 per card, plus additional
charge for rush orders

•

•

•

•
•

Stop Payment on Recurring
Visa Transaction:
Stop Payment on
Visa Convenience Check: $15.00
Visa Convenience Check: The standard cash advance fee

$15.00

Visa Sales Slip Copy:
Visa Card Rush Order:

applies to each Visa
Convenience Check paid
$12.00 each
2 days - $25.00; 4 days - $15.00

For new accounts, fees and charges are also stated in the Truth
in Lending Credit Card Opening Disclosure incorporated into
this  Agreement  by  reference  and  provided  to  you  separately
when your account was opened.

*The  following  are  considered  Cash  Advances:  (a)  obtaining
cash at an ATM using your Visa card; (b) a Cash Advance at a
financial  institution  or  other  entity  that  offer  Visa  Cash
Advances; (c) funds from the use of a Visa convenience check;
(d) a Balance Transfer.

CREDITS
If a merchant who honors your card gives you credit for returns
or adjustments, he will do so by sending us a credit slip which we
will  post  to  your  account.  You  will  be  liable  for  any  finance
charges that accrue between the end of your grace period and
the  time  the  credit  posts  to  your  account.  If  your  credits  and
payments  exceed  what  you  owe,  the  amount  will  be  applied
against future Purchases and Cash Advances. If the credit is $1

not  smaller  than  the  minimum  monthly  payment  required  as
disclosed  in  the  paragraph  entitled,  "Making  Payments."  On  a
joint  account,  each  party  is  equally  responsible  for  all  charges
under  this  agreement,  even  though  another  person  has  been
directed to pay the debt by agreement of court order such as a
divorce decree. You agree to notify us immediately of any change
in your name, address, or any change in your financial condition
which may affect your ability to repay.

PERSONS USING YOUR ACCOUNT
You are obligated to repay any charges resulting from the use
of  the  card  or  a  Visa  convenience  check  by  another  person
with  your  permission  whether  or  not  the  person  stays  within
the  limits  set  by  you.  If  you  notify  us  that  a  previously
authorized user is no longer authorized to use the account, we
will follow our usual procedures to preclude their further use of
the account. If you cannot get the card back from the user, you
must  let  us  know  and  we  will  treat  the  card  as  stolen.
Otherwise you must return the card to us. You will be liable for
all  use  of  the  card  up  to  the  time  you  notify  us  that  the
authorization is terminated.

Any persons who use the card or convenience checks are also
obligated  to  repay  the  Credit  Union  for  all  charges  incurred
because of their use of the card or loan drafts.

OUR RESPONSIBILITY
If you have available credit and are not otherwise in default, we
will honor Purchases and Balance Transfers up to your credit limit
and  Cash  Advances  up  to  your  Cash  Advance  limit.  We  will
provide  you  with  a  timely  monthly  statement  that  contains  all
information and disclosure required by law. 

LOST/STOLEN OR UNAUTHORIZED USE OF CARD
Unless  you  have  notified  us  that  the  card  has  been  lost  or
stolen,  all  transactions,  whether  made  by  you  or  another
person,  will  be  assumed  to  have  been  made  with  your
consent.  You  agree  to  report  the  loss,  theft,  or  unauthorized
use of your card promptly. Report your lost/stolen card to (559)
437-7700 or (800) 538-EECU. You may also write to us at P.O.
Box 5242, Fresno CA 93755-5242. Calling us is the best way
to  keep  losses  down.  Per  Visa  operating  rules,  you  will
generally  have  no  liability  for  unauthorized  use  of  your  card.
However, it benefits all Credit Union members if losses due to
unauthorized use claims are kept to a minimum.

The zero liability rule does not apply to certain point-of-sale and
ATM  transactions  as  set  forth  in  Visa  operating  rules.  Your
maximum liability for unauthorized use of a Visa credit card for
these point-of-sale or ATM transactions is $50. Your liability may
increase if you report the loss or theft of your card more than two
business days (48 hours) after the discovery of the loss or theft.
You will have no liability for unauthorized transactions that occur
after you report the loss or theft of your card to us.

You  may  create  a  special  "Verified  by  Visa"  password  to  verify
your  identity  and  provide  added  protection  to  your  online
Purchases.  You  can  create  your  own  password  at
www.visa.com/verified.

HOW TO USE YOUR VISA ACCOUNT
Your Visa account can be accessed in the ways detailed below.
Your monthly Visa statement will identify the merchant, electronic
terminal, or financial institution at which transactions were made;
but sales, Cash Advances, and credit slips cannot be returned with
the statement. You will retain your copy of such slips furnished at
the time of the transaction in order to verify the monthly statement.
(a) Cash Advances: You may obtain Cash Advances on your Visa
account  at  any  branch  of  the  Credit  Union  up  to  your  cash
advance limit, which may be lower than your credit limit. You
may obtain Cash Advances at other financial institutions that
honor  Visa  cards,  subject  to  those  institutions'  limitations.
Cash Advances are subject to fees as outlined in the “OTHER
CHARGES” section of this agreement.

(b) Cash Advances at an Automated Teller Machine (ATM): ATMs
located  across  the  nation  will  disburse  Cash  Advances  on
your card; a Visa emblem will be shown on the face of each
machine. To receive a Cash Advance from a participating Visa
ATM,  you  must  insert  your  card  and  input  your  Personal
Identification Number (PIN) which you will receive within 5 to
10  days  after  you  receive  your  card.  The  maximum  Cash
Advance may vary between ATMs. The use of your credit card
for ATM access is subject to additional ATM disclosure terms.
Cash Advances are subject to fees as outlined in the “OTHER
CHARGES” section of this agreement.

IMPORTANT: FOR YOUR PROTECTION, DO NOT WRITE
YOUR PIN NUMBER ON YOUR CARD OR KEEP IT NEAR
YOUR CARD.

(c) Purchases: You may use your Visa card for Purchases anywhere
the card is honored by presenting the card to the merchant and
signing the sales slip or voucher. You can also make Purchases
by mail, telephone, or via the internet by providing the merchant
with your card number and expiration date.

(d) Visa Convenience Checks: The Credit Union from time to time
may send you Visa convenience checks. You can use them to
make Purchases or to obtain loan advances. You may not use
the convenience checks to pay any outstanding balance you
owe  under  this  agreement.  Visa  convenience  checks  are
treated as a Cash Advance for purposes of calculating finance
charges,  whether  you  use  them  to  make  a  Purchase  or  to
obtain a Cash Advance.  Use of Visa convenience checks are
subject to fees as outlined in the “OTHER CHARGES” section
of this agreement.

Visa  convenience  checks  are  subject  to  the  following
additional  rules:  (i)  Merchant  dispute  rights  to  which  credit
cards  are  subject  do  not  apply  to  use  of  Visa  convenience
checks.  (ii)  To  stop  payment  on  a  Visa  convenience  checks,
you must provide your account number, the draft number and
the exact amount of the draft; otherwise our computer system
will not be able to find the draft and stop payment on it and you
will need to resolve any disputes directly with the payee of the
draft.  (iii)  Destroy  any  Visa  convenience  checks  you  do  not
wish  to  use.  (iv)  We  will  not  be  responsible  for  unauthorized
convenience checks paid on your account unless you report
them to us within 60 days after we mail you the first statement
on  which  they  appear.  (v)  Report  any  lost  or  stolen
convenience checks immediately; otherwise you may be liable
if an unauthorized convenience check is paid on your account.  

(e) Foreign Transactions: Purchases and Cash Advances made
in foreign countries and foreign currencies will be billed to
you  in  U.S.  dollars.  The  exchange  rate  between  the
transaction currency and the billing currency (U.S. dollars)
will  be  (a)  a  rate  selected  by  Visa  from  the  range  of  rates
available  in  the  wholesale  currency  markets  for  the
applicable  central  processing  date,  which  rate  may  vary
from  the  rate  Visa  itself  receives,  or  (b)  the  government-
mandated  rate  in  effect  for  the  applicable  central
processing  date,  in  each  instance,  plus  or  minus  any
adjustment  determined  by  the  Credit  Union.  If  a  Cash
Advance  is  conducted  an  additional  fee  of  2%  of  the
transaction amount ($5 minimum) will apply. 
Inquiries: Information about your Visa account is available 24
hours a day through VISA PIN POINT service or through the
Home  Banking  section  of  the  Credit  Union  website.  Either
service will provide account information such as your balance,
last payment received and/or your available credit. VISA PIN
POINT  can  be  accessed  with  a  touch-tone  telephone  by
calling (800) 892-9603. The Credit Union website address is
www.myEECU.org.

(f)

(g) Prohibited Transactions: You agree that you will not use or
allow your Visa account to be used for illegal transactions
such  as  illegal  gambling.  If  we  reasonably  believe  a
transaction is unlawful we have the right but not the duty to
decline  it.  Display  of  a  Visa  logo  by  a  merchant  does  not
necessarily  mean 
lawful.
the 
Responsibility  for  determining  the  legality  of  your  Visa
transactions  rests  with  you,  not  with  us.  The  actual  or
alleged  illegality  of  an  authorized  transaction  will  not  be
defense to your obligation to pay.

transaction 

that 

is 

(h) We will not be liable for the failure or refusal of any merchant

to accept your Visa Card or Visa convenience checks.

YOUR CREDIT LIMIT
If  your  Visa  application  is  approved,  the  Credit  Union  will
establish  a  self-replenishing  line  of  credit  for  you,  and  notify
you of the amount in writing. This means that you can borrow
the full amount of the credit limit, repay the principal in full or
part, and borrow again up to your maximum amount of credit,
as long as you remain a member in good standing of the Credit
Union  and  continue  to  be  creditworthy.  Your  credit  limit  and
the  unused  portion  still  available  to  you  will  show  on  your
monthly  statement.  Your  available  amount  is  reduced  by  the
principal  balance  owing,  accrued  finance  charges,  fees  and
late charges, if any. You agree not to let the account balance
exceed your approved credit limit.

If you wish to increase your credit limit, you must apply to the
Credit  Union  by  written,  phone,  or  online  application,  which
must be approved. Unless prohibited by law, we may increase
your credit limit at any time at our option and will notify you in
writing  if  we  do  this.  Your  credit  limit  will  be  reviewed
periodically  and  you  may  be  requested  to  provide  current
information.  We  will  notify  you  in  writing  if  we  increase,
decrease, or terminate with good cause your credit limit and/or
account.  Good  cause  includes,  but  is  not  limited  to,  your
failure  to  comply  with  this  agreement  or  our  adverse  re-
evaluation of your creditworthiness.

BALANCE TRANSFERS
You  may  ask  the  Credit  Union  to  transfer  the  balance  of  your
other credit cards to your EECU Visa account by sending us a
written request to do so or by using a Visa convenience check.
Your  written  request  must  state  the  name  of  the  company,  the
address,  the  account  number  and  the  amount  of  the  payoff  or
must include a payment stub. Balance Transfers are subject to
fees  as  outlined  in  the  “OTHER  CHARGES”  section  of  this
agreement.  If you elect to transfer balances to your EECU Visa
account, the following will apply:
(a) Transfer Amount: We will transfer as much as possible without

exceeding your credit line.

(b) Minimum Payments: Allow four (4) weeks for balances to be
transferred.  You  should  continue  paying  the  minimum
monthly  amount  due  on  your  other  accounts  until  the
balances  have  been  transferred.  We  are  not  responsible  for
any  late  payments,  finance  charges,  disputed  amounts  or
errors on your other accounts.

(c) Billing Disputes: If you currently have any amounts in a billing
dispute, we recommend that they not be transferred because
you may lose your billing dispute rights.  

(d) Finance  Charge:  Balance  Transfers  are  treated  as  Cash
Advances  and  are  assessed  finance  charges  from  the
transaction date.  Finance charges continue until payment in
full is received for the balance.

(e) Closing  Accounts:  Transferring  balances  may  not
automatically close your other accounts. To do so, you should
contact each company directly.

MONTHLY PAYMENTS
You agree to pay all amounts borrowed plus interest, fees and
other charges called for by this agreement in U.S. dollars using
lawful  instruments  drawn  on  U.S.  financial  institutions.    You
agree  to  make  at  least  your  required  minimum  monthly
payment on or before the due date on your periodic statement.

MINIMUM PAYMENT SCHEDULE

BALANCE
Under $20
$20 to $1,000
Over $1,000

MINIMUM PAYMENT
Entire Balance
$20
2% of the principal balance

Your minimum payment must also include any past-due or over-
limit amounts. If your balance exceeds $1,000, increased balances
will result in increased minimum payments. 

The minimum payment amount may be applied to the lowest rate
balance. To the extent your payment exceeds the required minimum;
the excess will be applied first to higher rate balances and then to
lower  rate  balances.  Subject  to  the  requirement  that  payments  in
excess  of  the  minimum  be  applied  to  higher-rate  balances  first,
payments  are  applied  in  the  following  order:  (a)  previously  billed
interest, fees and other charges; (b) previously billed Purchases and
Cash  Advances;  and  (c)  interest,  fees  and  other  charges  on
Purchases and Cash Advances during the current billing cycle; and
(d) Purchases and Cash Advances during the current billing cycle. 

If you take advantage of any promotional or introductory APR
offers,  payments  to  your  account  may  be  applied  to  the
balances at the promotional or introductory APR offer first and

not  to  balances  with  higher  APRs  until  the  promotional  or
introductory  APR  balances  have  been  paid  in  full  or  have
expired.  

You  can  pay  all  or  part  of  your  full  balance  due  at  any  time
without  prepayment  penalty.  If  you  make  more  than  your
required minimum payment, you will still be required to make
your next month's required minimum payment by its due date.
Making  more  than  the  required  minimum  payment  will
generally reduce the time it takes to pay off your balance and
the interest you pay.

We may offer “skip payment” promotions from time to time. If
you elect to skip your payment, interest will continue to accrue.
Our  offering  you  a  skip  payment  will  not  waive  our  right  to
require you to make any other payment on its due date.  

MAKING PAYMENTS
Mail the top half of your monthly Visa statement with your check
or  other  payment  instrument  to  the  address  shown  on  your
periodic statement. You may also make your payment at any of
our offices or through the EECU Home Banking site by making a
transfer from your deposit account.   It is your responsibility to
ensure  that  your  payment  arrives  at  our  payment  processing
center on time. We are not responsible for mail lost, damaged or
misdelivered by the postal service.

DO  NOT 
OBLIGATIONS WITH YOUR CREDIT CARD PAYMENT 

INCLUDE  PAYMENTS  FOR  OTHER  EECU

FINANCE CHARGES 
You will pay interest and other charges on your Visa account.
Interest and some of the other charges are called “Finance
Charges.” Finance Charges are the amounts of money that
you  pay  for  the  money  that  you  borrow.  In  addition  to
interest, some of the fees in the “OTHER CHARGES” section
of  your  Visa  Account  Agreement  and  Disclosure,  shown  in
bold,  are  considered  Finance  Charges.    To  make  Visa
accounts  available  to  as  many  members  as  possible,  we
offer a variety of rates. The actual rate of interest applicable
to your account will depend on a number of factors we may
lawfully  consider,  including  but  not  limited  to  your  credit
history. When you are approved for a Visa account, we will
disclose the ANNUAL PERCENTAGE RATE and any variable
rate  formula  that  will  apply  to  your  Educational  Employees
Credit  Union  Visa  account  in  writing  before  you  can  start
using your account.

Finance  Charge  Calculation  Method:  Average  Daily  Balance
(including new purchases): We start by calculating the average
daily balance for the billing period. For each day of the billing
period, we determine the daily balance by adding up all Cash
Advances, Purchases, and debit adjustments plus any amount
outstanding as of your most recent payment, then subtracting
any payments and credits for that day. We then add all of the
daily  balances  for  the  billing  period  and  divide  them  by  the
number  of  days  in  the  billing  period.  We  then  multiply  the
average  daily  balance  by  the  monthly  periodic  rate  to
determine  the  finance  charge  for  that  billing  period.  The
minimum finance charge in a billing cycle is $.50.

Grace  Period:  You  will  have  a  grace  period  of  25  days  on
average  for  repayment  of  Purchases.  Cash  Advances  and
Balance Transfers are subject to finance charges from the day
they post to your account until they are paid in full.  If you do not
pay your entire statement balance in full within the 25-day grace
period, finance charges will accrue. 

We can change your interest rate and other finance charges
by  giving  you  advance  notice  as  is  required  by  applicable
law.  Unless  you  have  a  variable  rate  account,  changes  will
generally apply to transactions initiated more than 14 days
after provision of the notice. 

OTHER CHARGES
In  addition  to  Finance  Charges,  the  following  fees  may  be
assessed to your Visa  Account. They will be added to the
principal balance and will accrue interest until paid:

•
Late Payment:
• Returned Payment:
• Over-the-Credit Limit:
• Balance Transfer:

• Cash Advance:*

•

Account Research:

Statement Copies:

•
• Replacement Cards:

Up to $15.00
$24.00
None
$5.00 or 2% of the transfer
amount, whichever is greater
$5.00 or 2% of the cash advance
amount, whichever is greater
$20.00 per hour, one hour 
minimum
$3.00 per statement
$5.00 per card, plus additional
charge for rush orders

•

•

•

•
•

Stop Payment on Recurring
Visa Transaction:
Stop Payment on
Visa Convenience Check: $15.00
Visa Convenience Check: The standard cash advance fee

$15.00

Visa Sales Slip Copy:
Visa Card Rush Order:

applies to each Visa
Convenience Check paid
$12.00 each
2 days - $25.00; 4 days - $15.00

For new accounts, fees and charges are also stated in the Truth
in Lending Credit Card Opening Disclosure incorporated into
this  Agreement  by  reference  and  provided  to  you  separately
when your account was opened.

*The  following  are  considered  Cash  Advances:  (a)  obtaining
cash at an ATM using your Visa card; (b) a Cash Advance at a
financial  institution  or  other  entity  that  offer  Visa  Cash
Advances; (c) funds from the use of a Visa convenience check;
(d) a Balance Transfer.

CREDITS
If a merchant who honors your card gives you credit for returns
or adjustments, he will do so by sending us a credit slip which we
will  post  to  your  account.  You  will  be  liable  for  any  finance
charges that accrue between the end of your grace period and
the  time  the  credit  posts  to  your  account.  If  your  credits  and
payments  exceed  what  you  owe,  the  amount  will  be  applied
against future Purchases and Cash Advances. If the credit is $1

not  smaller  than  the  minimum  monthly  payment  required  as
disclosed  in  the  paragraph  entitled,  "Making  Payments."  On  a
joint  account,  each  party  is  equally  responsible  for  all  charges
under  this  agreement,  even  though  another  person  has  been
directed to pay the debt by agreement of court order such as a
divorce decree. You agree to notify us immediately of any change
in your name, address, or any change in your financial condition
which may affect your ability to repay.

PERSONS USING YOUR ACCOUNT
You are obligated to repay any charges resulting from the use
of  the  card  or  a  Visa  convenience  check  by  another  person
with  your  permission  whether  or  not  the  person  stays  within
the  limits  set  by  you.  If  you  notify  us  that  a  previously
authorized user is no longer authorized to use the account, we
will follow our usual procedures to preclude their further use of
the account. If you cannot get the card back from the user, you
must  let  us  know  and  we  will  treat  the  card  as  stolen.
Otherwise you must return the card to us. You will be liable for
all  use  of  the  card  up  to  the  time  you  notify  us  that  the
authorization is terminated.

Any persons who use the card or convenience checks are also
obligated  to  repay  the  Credit  Union  for  all  charges  incurred
because of their use of the card or loan drafts.

OUR RESPONSIBILITY
If you have available credit and are not otherwise in default, we
will honor Purchases and Balance Transfers up to your credit limit
and  Cash  Advances  up  to  your  Cash  Advance  limit.  We  will
provide  you  with  a  timely  monthly  statement  that  contains  all
information and disclosure required by law. 

LOST/STOLEN OR UNAUTHORIZED USE OF CARD
Unless  you  have  notified  us  that  the  card  has  been  lost  or
stolen,  all  transactions,  whether  made  by  you  or  another
person,  will  be  assumed  to  have  been  made  with  your
consent.  You  agree  to  report  the  loss,  theft,  or  unauthorized
use of your card promptly. Report your lost/stolen card to (559)
437-7700 or (800) 538-EECU. You may also write to us at P.O.
Box 5242, Fresno CA 93755-5242. Calling us is the best way
to  keep  losses  down.  Per  Visa  operating  rules,  you  will
generally  have  no  liability  for  unauthorized  use  of  your  card.
However, it benefits all Credit Union members if losses due to
unauthorized use claims are kept to a minimum.

The zero liability rule does not apply to certain point-of-sale and
ATM  transactions  as  set  forth  in  Visa  operating  rules.  Your
maximum liability for unauthorized use of a Visa credit card for
these point-of-sale or ATM transactions is $50. Your liability may
increase if you report the loss or theft of your card more than two
business days (48 hours) after the discovery of the loss or theft.
You will have no liability for unauthorized transactions that occur
after you report the loss or theft of your card to us.

You  may  create  a  special  "Verified  by  Visa"  password  to  verify
your  identity  and  provide  added  protection  to  your  online
Purchases.  You  can  create  your  own  password  at
www.visa.com/verified.

HOW TO USE YOUR VISA ACCOUNT
Your Visa account can be accessed in the ways detailed below.
Your monthly Visa statement will identify the merchant, electronic
terminal, or financial institution at which transactions were made;
but sales, Cash Advances, and credit slips cannot be returned with
the statement. You will retain your copy of such slips furnished at
the time of the transaction in order to verify the monthly statement.
(a) Cash Advances: You may obtain Cash Advances on your Visa
account  at  any  branch  of  the  Credit  Union  up  to  your  cash
advance limit, which may be lower than your credit limit. You
may obtain Cash Advances at other financial institutions that
honor  Visa  cards,  subject  to  those  institutions'  limitations.
Cash Advances are subject to fees as outlined in the “OTHER
CHARGES” section of this agreement.

(b) Cash Advances at an Automated Teller Machine (ATM): ATMs
located  across  the  nation  will  disburse  Cash  Advances  on
your card; a Visa emblem will be shown on the face of each
machine. To receive a Cash Advance from a participating Visa
ATM,  you  must  insert  your  card  and  input  your  Personal
Identification Number (PIN) which you will receive within 5 to
10  days  after  you  receive  your  card.  The  maximum  Cash
Advance may vary between ATMs. The use of your credit card
for ATM access is subject to additional ATM disclosure terms.
Cash Advances are subject to fees as outlined in the “OTHER
CHARGES” section of this agreement.

IMPORTANT: FOR YOUR PROTECTION, DO NOT WRITE
YOUR PIN NUMBER ON YOUR CARD OR KEEP IT NEAR
YOUR CARD.

(c) Purchases: You may use your Visa card for Purchases anywhere
the card is honored by presenting the card to the merchant and
signing the sales slip or voucher. You can also make Purchases
by mail, telephone, or via the internet by providing the merchant
with your card number and expiration date.

(d) Visa Convenience Checks: The Credit Union from time to time
may send you Visa convenience checks. You can use them to
make Purchases or to obtain loan advances. You may not use
the convenience checks to pay any outstanding balance you
owe  under  this  agreement.  Visa  convenience  checks  are
treated as a Cash Advance for purposes of calculating finance
charges,  whether  you  use  them  to  make  a  Purchase  or  to
obtain a Cash Advance.  Use of Visa convenience checks are
subject to fees as outlined in the “OTHER CHARGES” section
of this agreement.

Visa  convenience  checks  are  subject  to  the  following
additional  rules:  (i)  Merchant  dispute  rights  to  which  credit
cards  are  subject  do  not  apply  to  use  of  Visa  convenience
checks.  (ii)  To  stop  payment  on  a  Visa  convenience  checks,
you must provide your account number, the draft number and
the exact amount of the draft; otherwise our computer system
will not be able to find the draft and stop payment on it and you
will need to resolve any disputes directly with the payee of the
draft.  (iii)  Destroy  any  Visa  convenience  checks  you  do  not
wish  to  use.  (iv)  We  will  not  be  responsible  for  unauthorized
convenience checks paid on your account unless you report
them to us within 60 days after we mail you the first statement
on  which  they  appear.  (v)  Report  any  lost  or  stolen
convenience checks immediately; otherwise you may be liable
if an unauthorized convenience check is paid on your account.  

(e) Foreign Transactions: Purchases and Cash Advances made
in foreign countries and foreign currencies will be billed to
you  in  U.S.  dollars.  The  exchange  rate  between  the
transaction currency and the billing currency (U.S. dollars)
will  be  (a)  a  rate  selected  by  Visa  from  the  range  of  rates
available  in  the  wholesale  currency  markets  for  the
applicable  central  processing  date,  which  rate  may  vary
from  the  rate  Visa  itself  receives,  or  (b)  the  government-
mandated  rate  in  effect  for  the  applicable  central
processing  date,  in  each  instance,  plus  or  minus  any
adjustment  determined  by  the  Credit  Union.  If  a  Cash
Advance  is  conducted  an  additional  fee  of  2%  of  the
transaction amount ($5 minimum) will apply. 
Inquiries: Information about your Visa account is available 24
hours a day through VISA PIN POINT service or through the
Home  Banking  section  of  the  Credit  Union  website.  Either
service will provide account information such as your balance,
last payment received and/or your available credit. VISA PIN
POINT  can  be  accessed  with  a  touch-tone  telephone  by
calling (800) 892-9603. The Credit Union website address is
www.myEECU.org.

(f)

(g) Prohibited Transactions: You agree that you will not use or
allow your Visa account to be used for illegal transactions
such  as  illegal  gambling.  If  we  reasonably  believe  a
transaction is unlawful we have the right but not the duty to
decline  it.  Display  of  a  Visa  logo  by  a  merchant  does  not
necessarily  mean 
lawful.
the 
Responsibility  for  determining  the  legality  of  your  Visa
transactions  rests  with  you,  not  with  us.  The  actual  or
alleged  illegality  of  an  authorized  transaction  will  not  be
defense to your obligation to pay.

transaction 

that 

is 

(h) We will not be liable for the failure or refusal of any merchant

to accept your Visa Card or Visa convenience checks.

YOUR CREDIT LIMIT
If  your  Visa  application  is  approved,  the  Credit  Union  will
establish  a  self-replenishing  line  of  credit  for  you,  and  notify
you of the amount in writing. This means that you can borrow
the full amount of the credit limit, repay the principal in full or
part, and borrow again up to your maximum amount of credit,
as long as you remain a member in good standing of the Credit
Union  and  continue  to  be  creditworthy.  Your  credit  limit  and
the  unused  portion  still  available  to  you  will  show  on  your
monthly  statement.  Your  available  amount  is  reduced  by  the
principal  balance  owing,  accrued  finance  charges,  fees  and
late charges, if any. You agree not to let the account balance
exceed your approved credit limit.

If you wish to increase your credit limit, you must apply to the
Credit  Union  by  written,  phone,  or  online  application,  which
must be approved. Unless prohibited by law, we may increase
your credit limit at any time at our option and will notify you in
writing  if  we  do  this.  Your  credit  limit  will  be  reviewed
periodically  and  you  may  be  requested  to  provide  current
information.  We  will  notify  you  in  writing  if  we  increase,
decrease, or terminate with good cause your credit limit and/or
account.  Good  cause  includes,  but  is  not  limited  to,  your
failure  to  comply  with  this  agreement  or  our  adverse  re-
evaluation of your creditworthiness.

BALANCE TRANSFERS
You  may  ask  the  Credit  Union  to  transfer  the  balance  of  your
other credit cards to your EECU Visa account by sending us a
written request to do so or by using a Visa convenience check.
Your  written  request  must  state  the  name  of  the  company,  the
address,  the  account  number  and  the  amount  of  the  payoff  or
must include a payment stub. Balance Transfers are subject to
fees  as  outlined  in  the  “OTHER  CHARGES”  section  of  this
agreement.  If you elect to transfer balances to your EECU Visa
account, the following will apply:
(a) Transfer Amount: We will transfer as much as possible without

exceeding your credit line.

(b) Minimum Payments: Allow four (4) weeks for balances to be
transferred.  You  should  continue  paying  the  minimum
monthly  amount  due  on  your  other  accounts  until  the
balances  have  been  transferred.  We  are  not  responsible  for
any  late  payments,  finance  charges,  disputed  amounts  or
errors on your other accounts.

(c) Billing Disputes: If you currently have any amounts in a billing
dispute, we recommend that they not be transferred because
you may lose your billing dispute rights.  

(d) Finance  Charge:  Balance  Transfers  are  treated  as  Cash
Advances  and  are  assessed  finance  charges  from  the
transaction date.  Finance charges continue until payment in
full is received for the balance.

(e) Closing  Accounts:  Transferring  balances  may  not
automatically close your other accounts. To do so, you should
contact each company directly.

MONTHLY PAYMENTS
You agree to pay all amounts borrowed plus interest, fees and
other charges called for by this agreement in U.S. dollars using
lawful  instruments  drawn  on  U.S.  financial  institutions.    You
agree  to  make  at  least  your  required  minimum  monthly
payment on or before the due date on your periodic statement.

MINIMUM PAYMENT SCHEDULE

BALANCE
Under $20
$20 to $1,000
Over $1,000

MINIMUM PAYMENT
Entire Balance
$20
2% of the principal balance

Your minimum payment must also include any past-due or over-
limit amounts. If your balance exceeds $1,000, increased balances
will result in increased minimum payments. 

The minimum payment amount may be applied to the lowest rate
balance. To the extent your payment exceeds the required minimum;
the excess will be applied first to higher rate balances and then to
lower  rate  balances.  Subject  to  the  requirement  that  payments  in
excess  of  the  minimum  be  applied  to  higher-rate  balances  first,
payments  are  applied  in  the  following  order:  (a)  previously  billed
interest, fees and other charges; (b) previously billed Purchases and
Cash  Advances;  and  (c)  interest,  fees  and  other  charges  on
Purchases and Cash Advances during the current billing cycle; and
(d) Purchases and Cash Advances during the current billing cycle. 

If you take advantage of any promotional or introductory APR
offers,  payments  to  your  account  may  be  applied  to  the
balances at the promotional or introductory APR offer first and

not  to  balances  with  higher  APRs  until  the  promotional  or
introductory  APR  balances  have  been  paid  in  full  or  have
expired.  

You  can  pay  all  or  part  of  your  full  balance  due  at  any  time
without  prepayment  penalty.  If  you  make  more  than  your
required minimum payment, you will still be required to make
your next month's required minimum payment by its due date.
Making  more  than  the  required  minimum  payment  will
generally reduce the time it takes to pay off your balance and
the interest you pay.

We may offer “skip payment” promotions from time to time. If
you elect to skip your payment, interest will continue to accrue.
Our  offering  you  a  skip  payment  will  not  waive  our  right  to
require you to make any other payment on its due date.  

MAKING PAYMENTS
Mail the top half of your monthly Visa statement with your check
or  other  payment  instrument  to  the  address  shown  on  your
periodic statement. You may also make your payment at any of
our offices or through the EECU Home Banking site by making a
transfer from your deposit account.   It is your responsibility to
ensure  that  your  payment  arrives  at  our  payment  processing
center on time. We are not responsible for mail lost, damaged or
misdelivered by the postal service.

DO  NOT 
OBLIGATIONS WITH YOUR CREDIT CARD PAYMENT 

INCLUDE  PAYMENTS  FOR  OTHER  EECU

FINANCE CHARGES 
You will pay interest and other charges on your Visa account.
Interest and some of the other charges are called “Finance
Charges.” Finance Charges are the amounts of money that
you  pay  for  the  money  that  you  borrow.  In  addition  to
interest, some of the fees in the “OTHER CHARGES” section
of  your  Visa  Account  Agreement  and  Disclosure,  shown  in
bold,  are  considered  Finance  Charges.    To  make  Visa
accounts  available  to  as  many  members  as  possible,  we
offer a variety of rates. The actual rate of interest applicable
to your account will depend on a number of factors we may
lawfully  consider,  including  but  not  limited  to  your  credit
history. When you are approved for a Visa account, we will
disclose the ANNUAL PERCENTAGE RATE and any variable
rate  formula  that  will  apply  to  your  Educational  Employees
Credit  Union  Visa  account  in  writing  before  you  can  start
using your account.

Finance  Charge  Calculation  Method:  Average  Daily  Balance
(including new purchases): We start by calculating the average
daily balance for the billing period. For each day of the billing
period, we determine the daily balance by adding up all Cash
Advances, Purchases, and debit adjustments plus any amount
outstanding as of your most recent payment, then subtracting
any payments and credits for that day. We then add all of the
daily  balances  for  the  billing  period  and  divide  them  by  the
number  of  days  in  the  billing  period.  We  then  multiply  the
average  daily  balance  by  the  monthly  periodic  rate  to
determine  the  finance  charge  for  that  billing  period.  The
minimum finance charge in a billing cycle is $.50.

Grace  Period:  You  will  have  a  grace  period  of  25  days  on
average  for  repayment  of  Purchases.  Cash  Advances  and
Balance Transfers are subject to finance charges from the day
they post to your account until they are paid in full.  If you do not
pay your entire statement balance in full within the 25-day grace
period, finance charges will accrue. 

We can change your interest rate and other finance charges
by  giving  you  advance  notice  as  is  required  by  applicable
law.  Unless  you  have  a  variable  rate  account,  changes  will
generally apply to transactions initiated more than 14 days
after provision of the notice. 

OTHER CHARGES
In  addition  to  Finance  Charges,  the  following  fees  may  be
assessed to your Visa  Account. They will be added to the
principal balance and will accrue interest until paid:

•
Late Payment:
• Returned Payment:
• Over-the-Credit Limit:
• Balance Transfer:

• Cash Advance:*

•

Account Research:

Statement Copies:

•
• Replacement Cards:

Up to $15.00
$24.00
None
$5.00 or 2% of the transfer
amount, whichever is greater
$5.00 or 2% of the cash advance
amount, whichever is greater
$20.00 per hour, one hour 
minimum
$3.00 per statement
$5.00 per card, plus additional
charge for rush orders

•

•

•

•
•

Stop Payment on Recurring
Visa Transaction:
Stop Payment on
Visa Convenience Check: $15.00
Visa Convenience Check: The standard cash advance fee

$15.00

Visa Sales Slip Copy:
Visa Card Rush Order:

applies to each Visa
Convenience Check paid
$12.00 each
2 days - $25.00; 4 days - $15.00

For new accounts, fees and charges are also stated in the Truth
in Lending Credit Card Opening Disclosure incorporated into
this  Agreement  by  reference  and  provided  to  you  separately
when your account was opened.

*The  following  are  considered  Cash  Advances:  (a)  obtaining
cash at an ATM using your Visa card; (b) a Cash Advance at a
financial  institution  or  other  entity  that  offer  Visa  Cash
Advances; (c) funds from the use of a Visa convenience check;
(d) a Balance Transfer.

CREDITS
If a merchant who honors your card gives you credit for returns
or adjustments, he will do so by sending us a credit slip which we
will  post  to  your  account.  You  will  be  liable  for  any  finance
charges that accrue between the end of your grace period and
the  time  the  credit  posts  to  your  account.  If  your  credits  and
payments  exceed  what  you  owe,  the  amount  will  be  applied
against future Purchases and Cash Advances. If the credit is $1

or more, we will refund it to you on your written request. If we do
not receive a refund request, we will automatically post the credit
to  your  EECU  share  savings  account.  We  reserve  the  right  to
delay  increasing  your  credit  limit  or  delay  disbursing  credit
balance  refunds  until  final  collection  of  non-cash  payments  on
your account for the maximum period allowed by law.  

DEFAULT
You  will  be  in  default  if  you  fail  to  make  any  Minimum
Payment when due in the proper amount, or if you fail to live
up to the terms of this agreement. You will also be in default
if  your  creditworthiness  materially  declines,  you  become
insolvent, you file for bankruptcy relief, you die, or you cease
to be a member of the Credit Union. In addition, you will be
in  default  if  you  have  made  misleading  or  incorrect
statements  or  material  omissions  of  information  in  your
credit application, or you fail to notify the Credit Union of a
change  of  your  employment,  your  name,  or  your  address.
Even if the Credit Union accepts a late payment or a partial
payment, we are not waiving our right to accelerate payment
of  the  account  and  declare  the  entire  unpaid  balance  due.
We have the right to demand immediate payment of your full
account balance if you default, subject to our giving you any
notice  required  by  law.  You  agree  to  pay  our  reasonable
collection costs before we take legal action. If we take legal
action  to  collect  what  you  owe,  you  agree  to  pay  our
reasonable  attorney's  fees  and  court  costs,  whether  the
action  we  take  is  a  collection  suit,  an  action  to  enforce  a
judgment against you, or an action to protect our interests if
you  become  a  bankruptcy  debtor.  Collection  costs  and
attorney's  fees  will  post  to  your  Visa  account  balance  as
Cash  Advances  and  bear  interest  at  the  rate  applicable  to
your Visa account until paid in full.

CHANGES IN AGREEMENT TERMS
Your  EECU  Visa  Account  Agreement  and  Disclosure  is  your
agreement with EECU governing your credit card transactions,
even  though  sales  and  Cash  Advance  slips  and  other
documents  you  sign  related  to  your  transactions  may  have
different  terms  printed  on  them.  This  Agreement  can  only  be
modified  by  a  writing  signed  by  an  authorized  EECU
representative, an official EECU change in terms notice, or the
order of a court to whose jurisdiction we are subject, such as
a  bankruptcy  court.  No  oral  statements  by  EECU  employees
can alter the terms of this Agreement. 

Changes in terms, unless favorable to you, will generally apply
only  to  transactions  made  after  the  effective  date  of  the
change, as specified by applicable state and federal laws and
regulations.  If  required  by  law,  we  will  permit  you  to  reject
certain types of changes, by providing the Credit Union with an
opt-out notice and closing your account.  You would then be
permitted  to  repay  any  balance  on  the  account  under  the
terms in effect prior to the changes or as permitted by law.  

CANCELLATION/TERMINATION OF AGREEMENT
You or any jointly obligated party may cancel this agreement at
any  time  by  notifying  us  in  writing.  If  we  have  given  you  a
written  notice  of  cancellation  and  you  wish  to  have  your

account re-evaluated for a new line of credit, you must reapply
and be approved.

We may reduce your credit line from time to time, or with good
cause, revoke your card and terminate this agreement. We will
give you thirty days' notice before we reduce or terminate your
account  without  cause.  But  as  indicated,  if  you  breach  this
agreement  we  can  terminate  it  without  prior  notice  to  you.
Termination by either of us does not affect your obligation to
pay  the  account  balance,  including  finance  charges.  Cards
and loan drafts remain our property and you must recover and
surrender to us all cards and loan drafts upon our request and
upon termination of this agreement.

CREDIT  INFORMATION  RETAINED  AND  PROVIDED  TO
OTHERS
You  authorize  us  to  investigate  your  credit  standing  when
opening,  renewing,  or  reviewing  your  account,  and  you
authorize us to disclose information regarding your account to
credit bureaus and other creditors who inquire of us about your
credit standing, to the extent authorized by law.

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 obligation.

live 

PERMISSION TO CONTACT YOU
By providing your telephone number you give the Credit Union
(and  its  agents,  third  party  representatives  and  service
providers) permission to contact you regarding your accounts,
transactions  and  services  using 
representatives,
automated  dialing  services,  prerecorded  messages  and  text
messages.    You  give  the  Credit  Union  permission  to  leave
messages,  including  pre-recorded/artificial  voice  messages,
relating  to  your  accounts,  transactions  and  services.    If  you
provide  a  cellular/mobile  number  you  understand  that  your
carrier  may  charge  fees  to  receive  calls,  messages  or  texts.
You agree to, at all times, provide the Credit Union with at least
one  telephone  number  at  which  you  can  be  reached  during
business hours.

YOUR BILLING RIGHTS
KEEP THIS NOTICE FOR FUTURE USE 

STATE  AND  LOCAL  LAW: The  following  summary  of  your
rights  under  federal  law  does  not  cover  all  rights  you  may
have under State and Local law. If, under State or local law,
you have a longer period of time in which to send an inquiry
to the Credit Union concerning your statement, reliance on
any  such  longer  time  period  may  result  in  your  losing
important  rights  which  could  be  preserved  by  acting  more
promptly under federal law. State or local provisions, if any,
only  become  operative  upon  the  expiration  of  the  time
period  provided  by  Federal  Regulation  Z  for  submitting  a
proper  written  notification  of  an  error.  This  notice  contains
important information about your rights and responsibilities
under the Fair Credit Billing Act.

Notify  Us  in  Case  of  Errors  or  Questions  About  Your
Statement or Electronic Transfers

If you think your statement or other documentation is wrong or
if  you  need  more  information  about  a  transaction  on  your
statement,  write  us  on  a  separate  sheet  at:  Educational
Employees Credit Union, Card Services, P.O. Box 5242, Fresno
CA 93755-5242. Write to us as soon as possible. We must hear
from you no later than 60 days after the error appeared on the
first statement. You can telephone us at (559) 437-7700 or toll
free  at  (800)  538-EECU,  but  doing  so  will  not  preserve  your
rights.

In your letter, give us the following information:
• Your name and account number. 
• The dollar amount of the suspected error. 
• A description of the error and explanation of why you believe
there is an error. If you need more information, describe the
item you are not sure about. 

How  to  Stop  Payment  of  a  Pre-authorized  Electronic
Fund Transfer
If  you  have  authorized  us  to  make  your  Visa  payment
automatically from your share draft account, you can stop the
payment on any amount you think is wrong. To stop payment
you must contact us in writing within 3 business days before
the automatic payment is scheduled to occur. If you telephone
your request, we will require you to confirm your verbal request
in  writing.  If  you  order  us  to  stop  one  of  these  payments  3
business  days  or  more  before  the  transfer  is  scheduled,  and
we do not do so, we will be liable for your losses or damages
up to the amount of the transfer.

Your  Rights  and  Our  Responsibilities  After  We  Receive
Your Written Notice of Error
We must acknowledge your letter 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 statement is correct.

After  we  receive  your  letter  and  if  you  have  not  yet  paid  the
disputed  amount,  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 the questioned amount while we are
investigating, but you are still obligated to pay the parts of your
statement that are not in question.

If we find that we made a mistake on your statement, you will not
have  to  pay  any  finance  charges  related  to  any  questioned
amount. If we did not make a mistake, you may have to pay the
finance  charge,  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  statement.  We  must  tell  you  the
name  of  anyone  we  reported  you  to  and  we  must  let  them
know when the matter has been settled.

Special Rule for Credit Card Purchases
If you have a problem with the quality of property or services
that you purchase with a credit card and you have tried in good
faith to correct the problem with the merchant, you may have
the right not to pay the remaining amount due on the property
or services. There are two 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
mailing address; and

(b) The purchase price must have been more than $50. These
limitations do not apply if we own or operate the merchant,
or  if  we  mailed  you  the  advertisement  for  the  property  or
services.

Under  California  law  our  right  to  recover  outstanding  credit
extended to you for Purchases is subject to any defenses that
you have against the seller, if:

1. The purchase price of the item in question exceeded $50; 
2. The purchase was made in California; 
3. You  made  a  written  demand  on  the  retailer  and  made  a
good  faith  attempt  to  get  satisfaction  of  your  complaint;
and 

4. You notify us, in writing, of the name of the seller, the date
of  purchase,  the  price  paid,  the  goods  or  services
purchased, the nature of your defense and the acts which
you took to obtain satisfaction from the seller. 

The  amount  to  which  the  defense  applies  is  limited  to  the
amount outstanding on the purchase as well as late charges
and  finance  charges  at  the  time  the  written  demand  is
received by us. This remedy is the only one you have against
us. Your rights are limited to those circumstances outlined in
California Civil Code § 1747.90. Purchases with cash or check
are  not  included  in  this  section,  even  though  you  used  your
credit card to validate your credit. We cannot penalize you by
either giving out unfavorable credit information about you or
canceling or refusing to renew your credit card solely because
you obtained relief under the remedies you have for correcting
billing errors. 

TERMS  APPLICABLE  TO  VISA  PLATINUM  MYEECU
REWARDS PROGRAM
Visa  Platinum  cardholders  may  participate  in  the  MYEECU
Rewards  program  which  is  governed  by  the  Program  Rules
outlined in the CURewards brochure. The following additional
rules apply to the CURewards program: 
a. No points are earned for a balance transfer from an existing

EECU Visa account or from another credit card. 

b. Points will accrue over five calendar years and will expire on
a first-in-first-out basis annually; points earned in calendar
year one will expire as of the last day of calendar year five.
(For example, points earned in 2014 will expire December
31,  2019;  points  earned  in  2015  will  expire  December  31,
2020, etc.). 

c. If  your  account  is  closed  or  becomes  inactive  for  18
consecutive  months  or  if  you  fail  to  make  the  minimum
payment due by the payment due date for two consecutive
billing periods, your points may be forfeited.  

ATM DISCLOSURE
You  may  use  your  card  to  obtain  Cash  Advances  through
Automated Teller Machines that are part of a nationwide network
of Visa ATMs. These special provisions apply.

AVAILABLE SERVICES 
1. The amount of cash you can obtain may vary depending on

the ATM you use. 

2. ATM  service  is  generally  available  seven  days  a  week,  24

hours a day. 

DOCUMENTATION OF TRANSACTIONS
Cash Advances using your Visa card at an ATM will be shown on
a transaction receipt and on your periodic statement.

CREDIT UNION LIABILITY
If  we  do  not  properly  complete  a  transaction  according  to  our
agreement  with  you,  we  will  be  liable  for  your  direct  losses  or
damages. However, there are some exceptions. We will not be
liable, if:
a. through no fault of ours, you do not have sufficient available

credit to make the transaction; 

b. the  ATM  system  was  not  working  properly  and  you  knew
about the breakdown when you started the transaction; 
c. the money in your account is subject to legal process or other

claim; 

d. your PIN (Personal Identification Number) has been reported

missing and we have blocked its use; 

e. circumstances  beyond  our  control,  such  as  fire,  flood,
electrical failure, or malfunction of the central data processing
facility prevent the completion of the transaction despite our
reasonable precautions; or 
there are other lawful exceptions established by us and you
are given proper advance notice of them. 

f.

In  no  event  will  the  Credit  Union  be  liable  for  consequential
indirect costs or damages.

FEES
If you perform a Cash Advance at an ATM not owned by us, the
owner of the ATM may charge an ATM transaction fee.

SECURITY 
Do not use an ATM unless it appears safe to do so. Do not key
in your PIN if someone is looking. Be sure you take your card and
receipt  when  you  are  done.  Put  your  money  away  quickly  and
leave the site.

Federally Insured by NCUA

©EECU
(V.2.22.2010)

M-116986

DISC 2 25M (12/15)

VISA ACCOUNT AGREEMENT 
and
 DISCLOSURE

EDUCATIONAL EMPLOYEES CREDIT UNION
Shaded Paragraphs Are Truth in Lending Requirements.
This  agreement  outlines  the  terms  and  conditions  of  your
Educational Employees Credit Union Visa account and provides
required  by  government
certain  disclosure 
regulations.  Keep  this  disclosure  with  your  permanent
documents.

information 

In this document, the words "you," "your," and "yours," refer to
each and all of those who apply for a Visa credit card, sign the
agreement, or all parties who use the card. The words "we," "us,"
"our,"  “Credit  Union,”  and  “EECU”  refer  to  the  Educational
Employees  Credit  Union.    The  term  "card"  refers  to  the  Visa
credit  card  received  with  this  agreement  and  any  duplicates
and/or renewals we issue. The term "account" refers to your Visa
credit card line of credit account with us.

You  acknowledge  receipt  of  a  copy  of  this  Visa  Account
Agreement  and  Disclosure.  By  using  the  card,  any  access
device,  or  by  authorizing  another  person  to  use  your  account,
you agree to and accept the terms as stated.

GENERAL TERMS
The terms of this agreement must be read together as part of the
whole agreement. When the singular is used the plural is implied
if there is more than one signer. If any part of this agreement is
found to be invalid the other parts shall remain in effect. 

Any borrower who receives a card issued under this agreement
must be a member of this Credit Union.

YOUR RESPONSIBILITY
If your application is approved, each applicant will receive a card
and  will  be  able  to  use  the  account.  The  applicants  may  also
receive Visa convenience checks from time to time at the Credit
Union's  option.  Each  applicant  is  liable  to  repay  the  account
under the terms of this agreement.

You agree to make your payments when due, and in an amount

or more, we will refund it to you on your written request. If we do
not receive a refund request, we will automatically post the credit
to  your  EECU  share  savings  account.  We  reserve  the  right  to
delay  increasing  your  credit  limit  or  delay  disbursing  credit
balance  refunds  until  final  collection  of  non-cash  payments  on
your account for the maximum period allowed by law.  

DEFAULT
You  will  be  in  default  if  you  fail  to  make  any  Minimum
Payment when due in the proper amount, or if you fail to live
up to the terms of this agreement. You will also be in default
if  your  creditworthiness  materially  declines,  you  become
insolvent, you file for bankruptcy relief, you die, or you cease
to be a member of the Credit Union. In addition, you will be
in  default  if  you  have  made  misleading  or  incorrect
statements  or  material  omissions  of  information  in  your
credit application, or you fail to notify the Credit Union of a
change  of  your  employment,  your  name,  or  your  address.
Even if the Credit Union accepts a late payment or a partial
payment, we are not waiving our right to accelerate payment
of  the  account  and  declare  the  entire  unpaid  balance  due.
We have the right to demand immediate payment of your full
account balance if you default, subject to our giving you any
notice  required  by  law.  You  agree  to  pay  our  reasonable
collection costs before we take legal action. If we take legal
action  to  collect  what  you  owe,  you  agree  to  pay  our
reasonable  attorney's  fees  and  court  costs,  whether  the
action  we  take  is  a  collection  suit,  an  action  to  enforce  a
judgment against you, or an action to protect our interests if
you  become  a  bankruptcy  debtor.  Collection  costs  and
attorney's  fees  will  post  to  your  Visa  account  balance  as
Cash  Advances  and  bear  interest  at  the  rate  applicable  to
your Visa account until paid in full.

CHANGES IN AGREEMENT TERMS
Your  EECU  Visa  Account  Agreement  and  Disclosure  is  your
agreement with EECU governing your credit card transactions,
even  though  sales  and  Cash  Advance  slips  and  other
documents  you  sign  related  to  your  transactions  may  have
different  terms  printed  on  them.  This  Agreement  can  only  be
modified  by  a  writing  signed  by  an  authorized  EECU
representative, an official EECU change in terms notice, or the
order of a court to whose jurisdiction we are subject, such as
a  bankruptcy  court.  No  oral  statements  by  EECU  employees
can alter the terms of this Agreement. 

Changes in terms, unless favorable to you, will generally apply
only  to  transactions  made  after  the  effective  date  of  the
change, as specified by applicable state and federal laws and
regulations.  If  required  by  law,  we  will  permit  you  to  reject
certain types of changes, by providing the Credit Union with an
opt-out notice and closing your account.  You would then be
permitted  to  repay  any  balance  on  the  account  under  the
terms in effect prior to the changes or as permitted by law.  

CANCELLATION/TERMINATION OF AGREEMENT
You or any jointly obligated party may cancel this agreement at
any  time  by  notifying  us  in  writing.  If  we  have  given  you  a
written  notice  of  cancellation  and  you  wish  to  have  your

account re-evaluated for a new line of credit, you must reapply
and be approved.

We may reduce your credit line from time to time, or with good
cause, revoke your card and terminate this agreement. We will
give you thirty days' notice before we reduce or terminate your
account  without  cause.  But  as  indicated,  if  you  breach  this
agreement  we  can  terminate  it  without  prior  notice  to  you.
Termination by either of us does not affect your obligation to
pay  the  account  balance,  including  finance  charges.  Cards
and loan drafts remain our property and you must recover and
surrender to us all cards and loan drafts upon our request and
upon termination of this agreement.

CREDIT  INFORMATION  RETAINED  AND  PROVIDED  TO
OTHERS
You  authorize  us  to  investigate  your  credit  standing  when
opening,  renewing,  or  reviewing  your  account,  and  you
authorize us to disclose information regarding your account to
credit bureaus and other creditors who inquire of us about your
credit standing, to the extent authorized by law.

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 obligation.

live 

PERMISSION TO CONTACT YOU
By providing your telephone number you give the Credit Union
(and  its  agents,  third  party  representatives  and  service
providers) permission to contact you regarding your accounts,
transactions  and  services  using 
representatives,
automated  dialing  services,  prerecorded  messages  and  text
messages.    You  give  the  Credit  Union  permission  to  leave
messages,  including  pre-recorded/artificial  voice  messages,
relating  to  your  accounts,  transactions  and  services.    If  you
provide  a  cellular/mobile  number  you  understand  that  your
carrier  may  charge  fees  to  receive  calls,  messages  or  texts.
You agree to, at all times, provide the Credit Union with at least
one  telephone  number  at  which  you  can  be  reached  during
business hours.

YOUR BILLING RIGHTS
KEEP THIS NOTICE FOR FUTURE USE 

STATE  AND  LOCAL  LAW: The  following  summary  of  your
rights  under  federal  law  does  not  cover  all  rights  you  may
have under State and Local law. If, under State or local law,
you have a longer period of time in which to send an inquiry
to the Credit Union concerning your statement, reliance on
any  such  longer  time  period  may  result  in  your  losing
important  rights  which  could  be  preserved  by  acting  more
promptly under federal law. State or local provisions, if any,
only  become  operative  upon  the  expiration  of  the  time
period  provided  by  Federal  Regulation  Z  for  submitting  a
proper  written  notification  of  an  error.  This  notice  contains
important information about your rights and responsibilities
under the Fair Credit Billing Act.

Notify  Us  in  Case  of  Errors  or  Questions  About  Your
Statement or Electronic Transfers

If you think your statement or other documentation is wrong or
if  you  need  more  information  about  a  transaction  on  your
statement,  write  us  on  a  separate  sheet  at:  Educational
Employees Credit Union, Card Services, P.O. Box 5242, Fresno
CA 93755-5242. Write to us as soon as possible. We must hear
from you no later than 60 days after the error appeared on the
first statement. You can telephone us at (559) 437-7700 or toll
free  at  (800)  538-EECU,  but  doing  so  will  not  preserve  your
rights.

In your letter, give us the following information:
• Your name and account number. 
• The dollar amount of the suspected error. 
• A description of the error and explanation of why you believe
there is an error. If you need more information, describe the
item you are not sure about. 

How  to  Stop  Payment  of  a  Pre-authorized  Electronic
Fund Transfer
If  you  have  authorized  us  to  make  your  Visa  payment
automatically from your share draft account, you can stop the
payment on any amount you think is wrong. To stop payment
you must contact us in writing within 3 business days before
the automatic payment is scheduled to occur. If you telephone
your request, we will require you to confirm your verbal request
in  writing.  If  you  order  us  to  stop  one  of  these  payments  3
business  days  or  more  before  the  transfer  is  scheduled,  and
we do not do so, we will be liable for your losses or damages
up to the amount of the transfer.

Your  Rights  and  Our  Responsibilities  After  We  Receive
Your Written Notice of Error
We must acknowledge your letter 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 statement is correct.

After  we  receive  your  letter  and  if  you  have  not  yet  paid  the
disputed  amount,  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 the questioned amount while we are
investigating, but you are still obligated to pay the parts of your
statement that are not in question.

If we find that we made a mistake on your statement, you will not
have  to  pay  any  finance  charges  related  to  any  questioned
amount. If we did not make a mistake, you may have to pay the
finance  charge,  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  statement.  We  must  tell  you  the
name  of  anyone  we  reported  you  to  and  we  must  let  them
know when the matter has been settled.

Special Rule for Credit Card Purchases
If you have a problem with the quality of property or services
that you purchase with a credit card and you have tried in good
faith to correct the problem with the merchant, you may have
the right not to pay the remaining amount due on the property
or services. There are two 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
mailing address; and

(b) The purchase price must have been more than $50. These
limitations do not apply if we own or operate the merchant,
or  if  we  mailed  you  the  advertisement  for  the  property  or
services.

Under  California  law  our  right  to  recover  outstanding  credit
extended to you for Purchases is subject to any defenses that
you have against the seller, if:

1. The purchase price of the item in question exceeded $50; 
2. The purchase was made in California; 
3. You  made  a  written  demand  on  the  retailer  and  made  a
good  faith  attempt  to  get  satisfaction  of  your  complaint;
and 

4. You notify us, in writing, of the name of the seller, the date
of  purchase,  the  price  paid,  the  goods  or  services
purchased, the nature of your defense and the acts which
you took to obtain satisfaction from the seller. 

The  amount  to  which  the  defense  applies  is  limited  to  the
amount outstanding on the purchase as well as late charges
and  finance  charges  at  the  time  the  written  demand  is
received by us. This remedy is the only one you have against
us. Your rights are limited to those circumstances outlined in
California Civil Code § 1747.90. Purchases with cash or check
are  not  included  in  this  section,  even  though  you  used  your
credit card to validate your credit. We cannot penalize you by
either giving out unfavorable credit information about you or
canceling or refusing to renew your credit card solely because
you obtained relief under the remedies you have for correcting
billing errors. 

TERMS  APPLICABLE  TO  VISA  PLATINUM  MYEECU
REWARDS PROGRAM
Visa  Platinum  cardholders  may  participate  in  the  MYEECU
Rewards  program  which  is  governed  by  the  Program  Rules
outlined in the CURewards brochure. The following additional
rules apply to the CURewards program: 
a. No points are earned for a balance transfer from an existing

EECU Visa account or from another credit card. 

b. Points will accrue over five calendar years and will expire on
a first-in-first-out basis annually; points earned in calendar
year one will expire as of the last day of calendar year five.
(For example, points earned in 2014 will expire December
31,  2019;  points  earned  in  2015  will  expire  December  31,
2020, etc.). 

c. If  your  account  is  closed  or  becomes  inactive  for  18
consecutive  months  or  if  you  fail  to  make  the  minimum
payment due by the payment due date for two consecutive
billing periods, your points may be forfeited.  

ATM DISCLOSURE
You  may  use  your  card  to  obtain  Cash  Advances  through
Automated Teller Machines that are part of a nationwide network
of Visa ATMs. These special provisions apply.

AVAILABLE SERVICES 
1. The amount of cash you can obtain may vary depending on

the ATM you use. 

2. ATM  service  is  generally  available  seven  days  a  week,  24

hours a day. 

DOCUMENTATION OF TRANSACTIONS
Cash Advances using your Visa card at an ATM will be shown on
a transaction receipt and on your periodic statement.

CREDIT UNION LIABILITY
If  we  do  not  properly  complete  a  transaction  according  to  our
agreement  with  you,  we  will  be  liable  for  your  direct  losses  or
damages. However, there are some exceptions. We will not be
liable, if:
a. through no fault of ours, you do not have sufficient available

credit to make the transaction; 

b. the  ATM  system  was  not  working  properly  and  you  knew
about the breakdown when you started the transaction; 
c. the money in your account is subject to legal process or other

claim; 

d. your PIN (Personal Identification Number) has been reported

missing and we have blocked its use; 

e. circumstances  beyond  our  control,  such  as  fire,  flood,
electrical failure, or malfunction of the central data processing
facility prevent the completion of the transaction despite our
reasonable precautions; or 
there are other lawful exceptions established by us and you
are given proper advance notice of them. 

f.

In  no  event  will  the  Credit  Union  be  liable  for  consequential
indirect costs or damages.

FEES
If you perform a Cash Advance at an ATM not owned by us, the
owner of the ATM may charge an ATM transaction fee.

SECURITY 
Do not use an ATM unless it appears safe to do so. Do not key
in your PIN if someone is looking. Be sure you take your card and
receipt  when  you  are  done.  Put  your  money  away  quickly  and
leave the site.

Federally Insured by NCUA

©EECU
(V.2.22.2010)

M-116986

DISC 2 25M (12/15)

VISA ACCOUNT AGREEMENT 
and
 DISCLOSURE

EDUCATIONAL EMPLOYEES CREDIT UNION
Shaded Paragraphs Are Truth in Lending Requirements.
This  agreement  outlines  the  terms  and  conditions  of  your
Educational Employees Credit Union Visa account and provides
required  by  government
certain  disclosure 
regulations.  Keep  this  disclosure  with  your  permanent
documents.

information 

In this document, the words "you," "your," and "yours," refer to
each and all of those who apply for a Visa credit card, sign the
agreement, or all parties who use the card. The words "we," "us,"
"our,"  “Credit  Union,”  and  “EECU”  refer  to  the  Educational
Employees  Credit  Union.    The  term  "card"  refers  to  the  Visa
credit  card  received  with  this  agreement  and  any  duplicates
and/or renewals we issue. The term "account" refers to your Visa
credit card line of credit account with us.

You  acknowledge  receipt  of  a  copy  of  this  Visa  Account
Agreement  and  Disclosure.  By  using  the  card,  any  access
device,  or  by  authorizing  another  person  to  use  your  account,
you agree to and accept the terms as stated.

GENERAL TERMS
The terms of this agreement must be read together as part of the
whole agreement. When the singular is used the plural is implied
if there is more than one signer. If any part of this agreement is
found to be invalid the other parts shall remain in effect. 

Any borrower who receives a card issued under this agreement
must be a member of this Credit Union.

YOUR RESPONSIBILITY
If your application is approved, each applicant will receive a card
and  will  be  able  to  use  the  account.  The  applicants  may  also
receive Visa convenience checks from time to time at the Credit
Union's  option.  Each  applicant  is  liable  to  repay  the  account
under the terms of this agreement.

You agree to make your payments when due, and in an amount

or more, we will refund it to you on your written request. If we do
not receive a refund request, we will automatically post the credit
to  your  EECU  share  savings  account.  We  reserve  the  right  to
delay  increasing  your  credit  limit  or  delay  disbursing  credit
balance  refunds  until  final  collection  of  non-cash  payments  on
your account for the maximum period allowed by law.  

DEFAULT
You  will  be  in  default  if  you  fail  to  make  any  Minimum
Payment when due in the proper amount, or if you fail to live
up to the terms of this agreement. You will also be in default
if  your  creditworthiness  materially  declines,  you  become
insolvent, you file for bankruptcy relief, you die, or you cease
to be a member of the Credit Union. In addition, you will be
in  default  if  you  have  made  misleading  or  incorrect
statements  or  material  omissions  of  information  in  your
credit application, or you fail to notify the Credit Union of a
change  of  your  employment,  your  name,  or  your  address.
Even if the Credit Union accepts a late payment or a partial
payment, we are not waiving our right to accelerate payment
of  the  account  and  declare  the  entire  unpaid  balance  due.
We have the right to demand immediate payment of your full
account balance if you default, subject to our giving you any
notice  required  by  law.  You  agree  to  pay  our  reasonable
collection costs before we take legal action. If we take legal
action  to  collect  what  you  owe,  you  agree  to  pay  our
reasonable  attorney's  fees  and  court  costs,  whether  the
action  we  take  is  a  collection  suit,  an  action  to  enforce  a
judgment against you, or an action to protect our interests if
you  become  a  bankruptcy  debtor.  Collection  costs  and
attorney's  fees  will  post  to  your  Visa  account  balance  as
Cash  Advances  and  bear  interest  at  the  rate  applicable  to
your Visa account until paid in full.

CHANGES IN AGREEMENT TERMS
Your  EECU  Visa  Account  Agreement  and  Disclosure  is  your
agreement with EECU governing your credit card transactions,
even  though  sales  and  Cash  Advance  slips  and  other
documents  you  sign  related  to  your  transactions  may  have
different  terms  printed  on  them.  This  Agreement  can  only  be
modified  by  a  writing  signed  by  an  authorized  EECU
representative, an official EECU change in terms notice, or the
order of a court to whose jurisdiction we are subject, such as
a  bankruptcy  court.  No  oral  statements  by  EECU  employees
can alter the terms of this Agreement. 

Changes in terms, unless favorable to you, will generally apply
only  to  transactions  made  after  the  effective  date  of  the
change, as specified by applicable state and federal laws and
regulations.  If  required  by  law,  we  will  permit  you  to  reject
certain types of changes, by providing the Credit Union with an
opt-out notice and closing your account.  You would then be
permitted  to  repay  any  balance  on  the  account  under  the
terms in effect prior to the changes or as permitted by law.  

CANCELLATION/TERMINATION OF AGREEMENT
You or any jointly obligated party may cancel this agreement at
any  time  by  notifying  us  in  writing.  If  we  have  given  you  a
written  notice  of  cancellation  and  you  wish  to  have  your

account re-evaluated for a new line of credit, you must reapply
and be approved.

We may reduce your credit line from time to time, or with good
cause, revoke your card and terminate this agreement. We will
give you thirty days' notice before we reduce or terminate your
account  without  cause.  But  as  indicated,  if  you  breach  this
agreement  we  can  terminate  it  without  prior  notice  to  you.
Termination by either of us does not affect your obligation to
pay  the  account  balance,  including  finance  charges.  Cards
and loan drafts remain our property and you must recover and
surrender to us all cards and loan drafts upon our request and
upon termination of this agreement.

CREDIT  INFORMATION  RETAINED  AND  PROVIDED  TO
OTHERS
You  authorize  us  to  investigate  your  credit  standing  when
opening,  renewing,  or  reviewing  your  account,  and  you
authorize us to disclose information regarding your account to
credit bureaus and other creditors who inquire of us about your
credit standing, to the extent authorized by law.

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 obligation.

live 

PERMISSION TO CONTACT YOU
By providing your telephone number you give the Credit Union
(and  its  agents,  third  party  representatives  and  service
providers) permission to contact you regarding your accounts,
transactions  and  services  using 
representatives,
automated  dialing  services,  prerecorded  messages  and  text
messages.    You  give  the  Credit  Union  permission  to  leave
messages,  including  pre-recorded/artificial  voice  messages,
relating  to  your  accounts,  transactions  and  services.    If  you
provide  a  cellular/mobile  number  you  understand  that  your
carrier  may  charge  fees  to  receive  calls,  messages  or  texts.
You agree to, at all times, provide the Credit Union with at least
one  telephone  number  at  which  you  can  be  reached  during
business hours.

YOUR BILLING RIGHTS
KEEP THIS NOTICE FOR FUTURE USE 

STATE  AND  LOCAL  LAW: The  following  summary  of  your
rights  under  federal  law  does  not  cover  all  rights  you  may
have under State and Local law. If, under State or local law,
you have a longer period of time in which to send an inquiry
to the Credit Union concerning your statement, reliance on
any  such  longer  time  period  may  result  in  your  losing
important  rights  which  could  be  preserved  by  acting  more
promptly under federal law. State or local provisions, if any,
only  become  operative  upon  the  expiration  of  the  time
period  provided  by  Federal  Regulation  Z  for  submitting  a
proper  written  notification  of  an  error.  This  notice  contains
important information about your rights and responsibilities
under the Fair Credit Billing Act.

Notify  Us  in  Case  of  Errors  or  Questions  About  Your
Statement or Electronic Transfers

If you think your statement or other documentation is wrong or
if  you  need  more  information  about  a  transaction  on  your
statement,  write  us  on  a  separate  sheet  at:  Educational
Employees Credit Union, Card Services, P.O. Box 5242, Fresno
CA 93755-5242. Write to us as soon as possible. We must hear
from you no later than 60 days after the error appeared on the
first statement. You can telephone us at (559) 437-7700 or toll
free  at  (800)  538-EECU,  but  doing  so  will  not  preserve  your
rights.

In your letter, give us the following information:
• Your name and account number. 
• The dollar amount of the suspected error. 
• A description of the error and explanation of why you believe
there is an error. If you need more information, describe the
item you are not sure about. 

How  to  Stop  Payment  of  a  Pre-authorized  Electronic
Fund Transfer
If  you  have  authorized  us  to  make  your  Visa  payment
automatically from your share draft account, you can stop the
payment on any amount you think is wrong. To stop payment
you must contact us in writing within 3 business days before
the automatic payment is scheduled to occur. If you telephone
your request, we will require you to confirm your verbal request
in  writing.  If  you  order  us  to  stop  one  of  these  payments  3
business  days  or  more  before  the  transfer  is  scheduled,  and
we do not do so, we will be liable for your losses or damages
up to the amount of the transfer.

Your  Rights  and  Our  Responsibilities  After  We  Receive
Your Written Notice of Error
We must acknowledge your letter 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 statement is correct.

After  we  receive  your  letter  and  if  you  have  not  yet  paid  the
disputed  amount,  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 the questioned amount while we are
investigating, but you are still obligated to pay the parts of your
statement that are not in question.

If we find that we made a mistake on your statement, you will not
have  to  pay  any  finance  charges  related  to  any  questioned
amount. If we did not make a mistake, you may have to pay the
finance  charge,  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  statement.  We  must  tell  you  the
name  of  anyone  we  reported  you  to  and  we  must  let  them
know when the matter has been settled.

Special Rule for Credit Card Purchases
If you have a problem with the quality of property or services
that you purchase with a credit card and you have tried in good
faith to correct the problem with the merchant, you may have
the right not to pay the remaining amount due on the property
or services. There are two 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
mailing address; and

(b) The purchase price must have been more than $50. These
limitations do not apply if we own or operate the merchant,
or  if  we  mailed  you  the  advertisement  for  the  property  or
services.

Under  California  law  our  right  to  recover  outstanding  credit
extended to you for Purchases is subject to any defenses that
you have against the seller, if:

1. The purchase price of the item in question exceeded $50; 
2. The purchase was made in California; 
3. You  made  a  written  demand  on  the  retailer  and  made  a
good  faith  attempt  to  get  satisfaction  of  your  complaint;
and 

4. You notify us, in writing, of the name of the seller, the date
of  purchase,  the  price  paid,  the  goods  or  services
purchased, the nature of your defense and the acts which
you took to obtain satisfaction from the seller. 

The  amount  to  which  the  defense  applies  is  limited  to  the
amount outstanding on the purchase as well as late charges
and  finance  charges  at  the  time  the  written  demand  is
received by us. This remedy is the only one you have against
us. Your rights are limited to those circumstances outlined in
California Civil Code § 1747.90. Purchases with cash or check
are  not  included  in  this  section,  even  though  you  used  your
credit card to validate your credit. We cannot penalize you by
either giving out unfavorable credit information about you or
canceling or refusing to renew your credit card solely because
you obtained relief under the remedies you have for correcting
billing errors. 

TERMS  APPLICABLE  TO  VISA  PLATINUM  MYEECU
REWARDS PROGRAM
Visa  Platinum  cardholders  may  participate  in  the  MYEECU
Rewards  program  which  is  governed  by  the  Program  Rules
outlined in the CURewards brochure. The following additional
rules apply to the CURewards program: 
a. No points are earned for a balance transfer from an existing

EECU Visa account or from another credit card. 

b. Points will accrue over five calendar years and will expire on
a first-in-first-out basis annually; points earned in calendar
year one will expire as of the last day of calendar year five.
(For example, points earned in 2014 will expire December
31,  2019;  points  earned  in  2015  will  expire  December  31,
2020, etc.). 

c. If  your  account  is  closed  or  becomes  inactive  for  18
consecutive  months  or  if  you  fail  to  make  the  minimum
payment due by the payment due date for two consecutive
billing periods, your points may be forfeited.  

ATM DISCLOSURE
You  may  use  your  card  to  obtain  Cash  Advances  through
Automated Teller Machines that are part of a nationwide network
of Visa ATMs. These special provisions apply.

AVAILABLE SERVICES 
1. The amount of cash you can obtain may vary depending on

the ATM you use. 

2. ATM  service  is  generally  available  seven  days  a  week,  24

hours a day. 

DOCUMENTATION OF TRANSACTIONS
Cash Advances using your Visa card at an ATM will be shown on
a transaction receipt and on your periodic statement.

CREDIT UNION LIABILITY
If  we  do  not  properly  complete  a  transaction  according  to  our
agreement  with  you,  we  will  be  liable  for  your  direct  losses  or
damages. However, there are some exceptions. We will not be
liable, if:
a. through no fault of ours, you do not have sufficient available

credit to make the transaction; 

b. the  ATM  system  was  not  working  properly  and  you  knew
about the breakdown when you started the transaction; 
c. the money in your account is subject to legal process or other

claim; 

d. your PIN (Personal Identification Number) has been reported

missing and we have blocked its use; 

e. circumstances  beyond  our  control,  such  as  fire,  flood,
electrical failure, or malfunction of the central data processing
facility prevent the completion of the transaction despite our
reasonable precautions; or 
there are other lawful exceptions established by us and you
are given proper advance notice of them. 

f.

In  no  event  will  the  Credit  Union  be  liable  for  consequential
indirect costs or damages.

FEES
If you perform a Cash Advance at an ATM not owned by us, the
owner of the ATM may charge an ATM transaction fee.

SECURITY 
Do not use an ATM unless it appears safe to do so. Do not key
in your PIN if someone is looking. Be sure you take your card and
receipt  when  you  are  done.  Put  your  money  away  quickly  and
leave the site.

Federally Insured by NCUA

©EECU
(V.2.22.2010)

M-116986

DISC 2 25M (12/15)

VISA ACCOUNT AGREEMENT 
and
 DISCLOSURE

EDUCATIONAL EMPLOYEES CREDIT UNION
Shaded Paragraphs Are Truth in Lending Requirements.
This  agreement  outlines  the  terms  and  conditions  of  your
Educational Employees Credit Union Visa account and provides
required  by  government
certain  disclosure 
regulations.  Keep  this  disclosure  with  your  permanent
documents.

information 

In this document, the words "you," "your," and "yours," refer to
each and all of those who apply for a Visa credit card, sign the
agreement, or all parties who use the card. The words "we," "us,"
"our,"  “Credit  Union,”  and  “EECU”  refer  to  the  Educational
Employees  Credit  Union.    The  term  "card"  refers  to  the  Visa
credit  card  received  with  this  agreement  and  any  duplicates
and/or renewals we issue. The term "account" refers to your Visa
credit card line of credit account with us.

You  acknowledge  receipt  of  a  copy  of  this  Visa  Account
Agreement  and  Disclosure.  By  using  the  card,  any  access
device,  or  by  authorizing  another  person  to  use  your  account,
you agree to and accept the terms as stated.

GENERAL TERMS
The terms of this agreement must be read together as part of the
whole agreement. When the singular is used the plural is implied
if there is more than one signer. If any part of this agreement is
found to be invalid the other parts shall remain in effect. 

Any borrower who receives a card issued under this agreement
must be a member of this Credit Union.

YOUR RESPONSIBILITY
If your application is approved, each applicant will receive a card
and  will  be  able  to  use  the  account.  The  applicants  may  also
receive Visa convenience checks from time to time at the Credit
Union's  option.  Each  applicant  is  liable  to  repay  the  account
under the terms of this agreement.

You agree to make your payments when due, and in an amount

or more, we will refund it to you on your written request. If we do
not receive a refund request, we will automatically post the credit
to  your  EECU  share  savings  account.  We  reserve  the  right  to
delay  increasing  your  credit  limit  or  delay  disbursing  credit
balance  refunds  until  final  collection  of  non-cash  payments  on
your account for the maximum period allowed by law.  

DEFAULT
You  will  be  in  default  if  you  fail  to  make  any  Minimum
Payment when due in the proper amount, or if you fail to live
up to the terms of this agreement. You will also be in default
if  your  creditworthiness  materially  declines,  you  become
insolvent, you file for bankruptcy relief, you die, or you cease
to be a member of the Credit Union. In addition, you will be
in  default  if  you  have  made  misleading  or  incorrect
statements  or  material  omissions  of  information  in  your
credit application, or you fail to notify the Credit Union of a
change  of  your  employment,  your  name,  or  your  address.
Even if the Credit Union accepts a late payment or a partial
payment, we are not waiving our right to accelerate payment
of  the  account  and  declare  the  entire  unpaid  balance  due.
We have the right to demand immediate payment of your full
account balance if you default, subject to our giving you any
notice  required  by  law.  You  agree  to  pay  our  reasonable
collection costs before we take legal action. If we take legal
action  to  collect  what  you  owe,  you  agree  to  pay  our
reasonable  attorney's  fees  and  court  costs,  whether  the
action  we  take  is  a  collection  suit,  an  action  to  enforce  a
judgment against you, or an action to protect our interests if
you  become  a  bankruptcy  debtor.  Collection  costs  and
attorney's  fees  will  post  to  your  Visa  account  balance  as
Cash  Advances  and  bear  interest  at  the  rate  applicable  to
your Visa account until paid in full.

CHANGES IN AGREEMENT TERMS
Your  EECU  Visa  Account  Agreement  and  Disclosure  is  your
agreement with EECU governing your credit card transactions,
even  though  sales  and  Cash  Advance  slips  and  other
documents  you  sign  related  to  your  transactions  may  have
different  terms  printed  on  them.  This  Agreement  can  only  be
modified  by  a  writing  signed  by  an  authorized  EECU
representative, an official EECU change in terms notice, or the
order of a court to whose jurisdiction we are subject, such as
a  bankruptcy  court.  No  oral  statements  by  EECU  employees
can alter the terms of this Agreement. 

Changes in terms, unless favorable to you, will generally apply
only  to  transactions  made  after  the  effective  date  of  the
change, as specified by applicable state and federal laws and
regulations.  If  required  by  law,  we  will  permit  you  to  reject
certain types of changes, by providing the Credit Union with an
opt-out notice and closing your account.  You would then be
permitted  to  repay  any  balance  on  the  account  under  the
terms in effect prior to the changes or as permitted by law.  

CANCELLATION/TERMINATION OF AGREEMENT
You or any jointly obligated party may cancel this agreement at
any  time  by  notifying  us  in  writing.  If  we  have  given  you  a
written  notice  of  cancellation  and  you  wish  to  have  your

account re-evaluated for a new line of credit, you must reapply
and be approved.

We may reduce your credit line from time to time, or with good
cause, revoke your card and terminate this agreement. We will
give you thirty days' notice before we reduce or terminate your
account  without  cause.  But  as  indicated,  if  you  breach  this
agreement  we  can  terminate  it  without  prior  notice  to  you.
Termination by either of us does not affect your obligation to
pay  the  account  balance,  including  finance  charges.  Cards
and loan drafts remain our property and you must recover and
surrender to us all cards and loan drafts upon our request and
upon termination of this agreement.

CREDIT  INFORMATION  RETAINED  AND  PROVIDED  TO
OTHERS
You  authorize  us  to  investigate  your  credit  standing  when
opening,  renewing,  or  reviewing  your  account,  and  you
authorize us to disclose information regarding your account to
credit bureaus and other creditors who inquire of us about your
credit standing, to the extent authorized by law.

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 obligation.

live 

PERMISSION TO CONTACT YOU
By providing your telephone number you give the Credit Union
(and  its  agents,  third  party  representatives  and  service
providers) permission to contact you regarding your accounts,
transactions  and  services  using 
representatives,
automated  dialing  services,  prerecorded  messages  and  text
messages.    You  give  the  Credit  Union  permission  to  leave
messages,  including  pre-recorded/artificial  voice  messages,
relating  to  your  accounts,  transactions  and  services.    If  you
provide  a  cellular/mobile  number  you  understand  that  your
carrier  may  charge  fees  to  receive  calls,  messages  or  texts.
You agree to, at all times, provide the Credit Union with at least
one  telephone  number  at  which  you  can  be  reached  during
business hours.

YOUR BILLING RIGHTS
KEEP THIS NOTICE FOR FUTURE USE 

STATE  AND  LOCAL  LAW: The  following  summary  of  your
rights  under  federal  law  does  not  cover  all  rights  you  may
have under State and Local law. If, under State or local law,
you have a longer period of time in which to send an inquiry
to the Credit Union concerning your statement, reliance on
any  such  longer  time  period  may  result  in  your  losing
important  rights  which  could  be  preserved  by  acting  more
promptly under federal law. State or local provisions, if any,
only  become  operative  upon  the  expiration  of  the  time
period  provided  by  Federal  Regulation  Z  for  submitting  a
proper  written  notification  of  an  error.  This  notice  contains
important information about your rights and responsibilities
under the Fair Credit Billing Act.

Notify  Us  in  Case  of  Errors  or  Questions  About  Your
Statement or Electronic Transfers

If you think your statement or other documentation is wrong or
if  you  need  more  information  about  a  transaction  on  your
statement,  write  us  on  a  separate  sheet  at:  Educational
Employees Credit Union, Card Services, P.O. Box 5242, Fresno
CA 93755-5242. Write to us as soon as possible. We must hear
from you no later than 60 days after the error appeared on the
first statement. You can telephone us at (559) 437-7700 or toll
free  at  (800)  538-EECU,  but  doing  so  will  not  preserve  your
rights.

In your letter, give us the following information:
• Your name and account number. 
• The dollar amount of the suspected error. 
• A description of the error and explanation of why you believe
there is an error. If you need more information, describe the
item you are not sure about. 

How  to  Stop  Payment  of  a  Pre-authorized  Electronic
Fund Transfer
If  you  have  authorized  us  to  make  your  Visa  payment
automatically from your share draft account, you can stop the
payment on any amount you think is wrong. To stop payment
you must contact us in writing within 3 business days before
the automatic payment is scheduled to occur. If you telephone
your request, we will require you to confirm your verbal request
in  writing.  If  you  order  us  to  stop  one  of  these  payments  3
business  days  or  more  before  the  transfer  is  scheduled,  and
we do not do so, we will be liable for your losses or damages
up to the amount of the transfer.

Your  Rights  and  Our  Responsibilities  After  We  Receive
Your Written Notice of Error
We must acknowledge your letter 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 statement is correct.

After  we  receive  your  letter  and  if  you  have  not  yet  paid  the
disputed  amount,  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 the questioned amount while we are
investigating, but you are still obligated to pay the parts of your
statement that are not in question.

If we find that we made a mistake on your statement, you will not
have  to  pay  any  finance  charges  related  to  any  questioned
amount. If we did not make a mistake, you may have to pay the
finance  charge,  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  statement.  We  must  tell  you  the
name  of  anyone  we  reported  you  to  and  we  must  let  them
know when the matter has been settled.

Special Rule for Credit Card Purchases
If you have a problem with the quality of property or services
that you purchase with a credit card and you have tried in good
faith to correct the problem with the merchant, you may have
the right not to pay the remaining amount due on the property
or services. There are two 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
mailing address; and

(b) The purchase price must have been more than $50. These
limitations do not apply if we own or operate the merchant,
or  if  we  mailed  you  the  advertisement  for  the  property  or
services.

Under  California  law  our  right  to  recover  outstanding  credit
extended to you for Purchases is subject to any defenses that
you have against the seller, if:

1. The purchase price of the item in question exceeded $50; 
2. The purchase was made in California; 
3. You  made  a  written  demand  on  the  retailer  and  made  a
good  faith  attempt  to  get  satisfaction  of  your  complaint;
and 

4. You notify us, in writing, of the name of the seller, the date
of  purchase,  the  price  paid,  the  goods  or  services
purchased, the nature of your defense and the acts which
you took to obtain satisfaction from the seller. 

The  amount  to  which  the  defense  applies  is  limited  to  the
amount outstanding on the purchase as well as late charges
and  finance  charges  at  the  time  the  written  demand  is
received by us. This remedy is the only one you have against
us. Your rights are limited to those circumstances outlined in
California Civil Code § 1747.90. Purchases with cash or check
are  not  included  in  this  section,  even  though  you  used  your
credit card to validate your credit. We cannot penalize you by
either giving out unfavorable credit information about you or
canceling or refusing to renew your credit card solely because
you obtained relief under the remedies you have for correcting
billing errors. 

TERMS  APPLICABLE  TO  VISA  PLATINUM  MYEECU
REWARDS PROGRAM
Visa  Platinum  cardholders  may  participate  in  the  MYEECU
Rewards  program  which  is  governed  by  the  Program  Rules
outlined in the CURewards brochure. The following additional
rules apply to the CURewards program: 
a. No points are earned for a balance transfer from an existing

EECU Visa account or from another credit card. 

b. Points will accrue over five calendar years and will expire on
a first-in-first-out basis annually; points earned in calendar
year one will expire as of the last day of calendar year five.
(For example, points earned in 2014 will expire December
31,  2019;  points  earned  in  2015  will  expire  December  31,
2020, etc.). 

c. If  your  account  is  closed  or  becomes  inactive  for  18
consecutive  months  or  if  you  fail  to  make  the  minimum
payment due by the payment due date for two consecutive
billing periods, your points may be forfeited.  

ATM DISCLOSURE
You  may  use  your  card  to  obtain  Cash  Advances  through
Automated Teller Machines that are part of a nationwide network
of Visa ATMs. These special provisions apply.

AVAILABLE SERVICES 
1. The amount of cash you can obtain may vary depending on

the ATM you use. 

2. ATM  service  is  generally  available  seven  days  a  week,  24

hours a day. 

DOCUMENTATION OF TRANSACTIONS
Cash Advances using your Visa card at an ATM will be shown on
a transaction receipt and on your periodic statement.

CREDIT UNION LIABILITY
If  we  do  not  properly  complete  a  transaction  according  to  our
agreement  with  you,  we  will  be  liable  for  your  direct  losses  or
damages. However, there are some exceptions. We will not be
liable, if:
a. through no fault of ours, you do not have sufficient available

credit to make the transaction; 

b. the  ATM  system  was  not  working  properly  and  you  knew
about the breakdown when you started the transaction; 
c. the money in your account is subject to legal process or other

claim; 

d. your PIN (Personal Identification Number) has been reported

missing and we have blocked its use; 

e. circumstances  beyond  our  control,  such  as  fire,  flood,
electrical failure, or malfunction of the central data processing
facility prevent the completion of the transaction despite our
reasonable precautions; or 
there are other lawful exceptions established by us and you
are given proper advance notice of them. 

f.

In  no  event  will  the  Credit  Union  be  liable  for  consequential
indirect costs or damages.

FEES
If you perform a Cash Advance at an ATM not owned by us, the
owner of the ATM may charge an ATM transaction fee.

SECURITY 
Do not use an ATM unless it appears safe to do so. Do not key
in your PIN if someone is looking. Be sure you take your card and
receipt  when  you  are  done.  Put  your  money  away  quickly  and
leave the site.

Federally Insured by NCUA

©EECU
(V.2.22.2010)

M-116986

DISC 2 25M (12/15)

VISA ACCOUNT AGREEMENT 
and
 DISCLOSURE

EDUCATIONAL EMPLOYEES CREDIT UNION
Shaded Paragraphs Are Truth in Lending Requirements.
This  agreement  outlines  the  terms  and  conditions  of  your
Educational Employees Credit Union Visa account and provides
required  by  government
certain  disclosure 
regulations.  Keep  this  disclosure  with  your  permanent
documents.

information 

In this document, the words "you," "your," and "yours," refer to
each and all of those who apply for a Visa credit card, sign the
agreement, or all parties who use the card. The words "we," "us,"
"our,"  “Credit  Union,”  and  “EECU”  refer  to  the  Educational
Employees  Credit  Union.    The  term  "card"  refers  to  the  Visa
credit  card  received  with  this  agreement  and  any  duplicates
and/or renewals we issue. The term "account" refers to your Visa
credit card line of credit account with us.

You  acknowledge  receipt  of  a  copy  of  this  Visa  Account
Agreement  and  Disclosure.  By  using  the  card,  any  access
device,  or  by  authorizing  another  person  to  use  your  account,
you agree to and accept the terms as stated.

GENERAL TERMS
The terms of this agreement must be read together as part of the
whole agreement. When the singular is used the plural is implied
if there is more than one signer. If any part of this agreement is
found to be invalid the other parts shall remain in effect. 

Any borrower who receives a card issued under this agreement
must be a member of this Credit Union.

YOUR RESPONSIBILITY
If your application is approved, each applicant will receive a card
and  will  be  able  to  use  the  account.  The  applicants  may  also
receive Visa convenience checks from time to time at the Credit
Union's  option.  Each  applicant  is  liable  to  repay  the  account
under the terms of this agreement.

You agree to make your payments when due, and in an amount

or more, we will refund it to you on your written request. If we do
not receive a refund request, we will automatically post the credit
to  your  EECU  share  savings  account.  We  reserve  the  right  to
delay  increasing  your  credit  limit  or  delay  disbursing  credit
balance  refunds  until  final  collection  of  non-cash  payments  on
your account for the maximum period allowed by law.  

DEFAULT
You  will  be  in  default  if  you  fail  to  make  any  Minimum
Payment when due in the proper amount, or if you fail to live
up to the terms of this agreement. You will also be in default
if  your  creditworthiness  materially  declines,  you  become
insolvent, you file for bankruptcy relief, you die, or you cease
to be a member of the Credit Union. In addition, you will be
in  default  if  you  have  made  misleading  or  incorrect
statements  or  material  omissions  of  information  in  your
credit application, or you fail to notify the Credit Union of a
change  of  your  employment,  your  name,  or  your  address.
Even if the Credit Union accepts a late payment or a partial
payment, we are not waiving our right to accelerate payment
of  the  account  and  declare  the  entire  unpaid  balance  due.
We have the right to demand immediate payment of your full
account balance if you default, subject to our giving you any
notice  required  by  law.  You  agree  to  pay  our  reasonable
collection costs before we take legal action. If we take legal
action  to  collect  what  you  owe,  you  agree  to  pay  our
reasonable  attorney's  fees  and  court  costs,  whether  the
action  we  take  is  a  collection  suit,  an  action  to  enforce  a
judgment against you, or an action to protect our interests if
you  become  a  bankruptcy  debtor.  Collection  costs  and
attorney's  fees  will  post  to  your  Visa  account  balance  as
Cash  Advances  and  bear  interest  at  the  rate  applicable  to
your Visa account until paid in full.

CHANGES IN AGREEMENT TERMS
Your  EECU  Visa  Account  Agreement  and  Disclosure  is  your
agreement with EECU governing your credit card transactions,
even  though  sales  and  Cash  Advance  slips  and  other
documents  you  sign  related  to  your  transactions  may  have
different  terms  printed  on  them.  This  Agreement  can  only  be
modified  by  a  writing  signed  by  an  authorized  EECU
representative, an official EECU change in terms notice, or the
order of a court to whose jurisdiction we are subject, such as
a  bankruptcy  court.  No  oral  statements  by  EECU  employees
can alter the terms of this Agreement. 

Changes in terms, unless favorable to you, will generally apply
only  to  transactions  made  after  the  effective  date  of  the
change, as specified by applicable state and federal laws and
regulations.  If  required  by  law,  we  will  permit  you  to  reject
certain types of changes, by providing the Credit Union with an
opt-out notice and closing your account.  You would then be
permitted  to  repay  any  balance  on  the  account  under  the
terms in effect prior to the changes or as permitted by law.  

CANCELLATION/TERMINATION OF AGREEMENT
You or any jointly obligated party may cancel this agreement at
any  time  by  notifying  us  in  writing.  If  we  have  given  you  a
written  notice  of  cancellation  and  you  wish  to  have  your

account re-evaluated for a new line of credit, you must reapply
and be approved.

We may reduce your credit line from time to time, or with good
cause, revoke your card and terminate this agreement. We will
give you thirty days' notice before we reduce or terminate your
account  without  cause.  But  as  indicated,  if  you  breach  this
agreement  we  can  terminate  it  without  prior  notice  to  you.
Termination by either of us does not affect your obligation to
pay  the  account  balance,  including  finance  charges.  Cards
and loan drafts remain our property and you must recover and
surrender to us all cards and loan drafts upon our request and
upon termination of this agreement.

CREDIT  INFORMATION  RETAINED  AND  PROVIDED  TO
OTHERS
You  authorize  us  to  investigate  your  credit  standing  when
opening,  renewing,  or  reviewing  your  account,  and  you
authorize us to disclose information regarding your account to
credit bureaus and other creditors who inquire of us about your
credit standing, to the extent authorized by law.

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 obligation.

live 

PERMISSION TO CONTACT YOU
By providing your telephone number you give the Credit Union
(and  its  agents,  third  party  representatives  and  service
providers) permission to contact you regarding your accounts,
transactions  and  services  using 
representatives,
automated  dialing  services,  prerecorded  messages  and  text
messages.    You  give  the  Credit  Union  permission  to  leave
messages,  including  pre-recorded/artificial  voice  messages,
relating  to  your  accounts,  transactions  and  services.    If  you
provide  a  cellular/mobile  number  you  understand  that  your
carrier  may  charge  fees  to  receive  calls,  messages  or  texts.
You agree to, at all times, provide the Credit Union with at least
one  telephone  number  at  which  you  can  be  reached  during
business hours.

YOUR BILLING RIGHTS
KEEP THIS NOTICE FOR FUTURE USE 

STATE  AND  LOCAL  LAW: The  following  summary  of  your
rights  under  federal  law  does  not  cover  all  rights  you  may
have under State and Local law. If, under State or local law,
you have a longer period of time in which to send an inquiry
to the Credit Union concerning your statement, reliance on
any  such  longer  time  period  may  result  in  your  losing
important  rights  which  could  be  preserved  by  acting  more
promptly under federal law. State or local provisions, if any,
only  become  operative  upon  the  expiration  of  the  time
period  provided  by  Federal  Regulation  Z  for  submitting  a
proper  written  notification  of  an  error.  This  notice  contains
important information about your rights and responsibilities
under the Fair Credit Billing Act.

Notify  Us  in  Case  of  Errors  or  Questions  About  Your
Statement or Electronic Transfers

If you think your statement or other documentation is wrong or
if  you  need  more  information  about  a  transaction  on  your
statement,  write  us  on  a  separate  sheet  at:  Educational
Employees Credit Union, Card Services, P.O. Box 5242, Fresno
CA 93755-5242. Write to us as soon as possible. We must hear
from you no later than 60 days after the error appeared on the
first statement. You can telephone us at (559) 437-7700 or toll
free  at  (800)  538-EECU,  but  doing  so  will  not  preserve  your
rights.

In your letter, give us the following information:
• Your name and account number. 
• The dollar amount of the suspected error. 
• A description of the error and explanation of why you believe
there is an error. If you need more information, describe the
item you are not sure about. 

How  to  Stop  Payment  of  a  Pre-authorized  Electronic
Fund Transfer
If  you  have  authorized  us  to  make  your  Visa  payment
automatically from your share draft account, you can stop the
payment on any amount you think is wrong. To stop payment
you must contact us in writing within 3 business days before
the automatic payment is scheduled to occur. If you telephone
your request, we will require you to confirm your verbal request
in  writing.  If  you  order  us  to  stop  one  of  these  payments  3
business  days  or  more  before  the  transfer  is  scheduled,  and
we do not do so, we will be liable for your losses or damages
up to the amount of the transfer.

Your  Rights  and  Our  Responsibilities  After  We  Receive
Your Written Notice of Error
We must acknowledge your letter 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 statement is correct.

After  we  receive  your  letter  and  if  you  have  not  yet  paid  the
disputed  amount,  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 the questioned amount while we are
investigating, but you are still obligated to pay the parts of your
statement that are not in question.

If we find that we made a mistake on your statement, you will not
have  to  pay  any  finance  charges  related  to  any  questioned
amount. If we did not make a mistake, you may have to pay the
finance  charge,  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  statement.  We  must  tell  you  the
name  of  anyone  we  reported  you  to  and  we  must  let  them
know when the matter has been settled.

Special Rule for Credit Card Purchases
If you have a problem with the quality of property or services
that you purchase with a credit card and you have tried in good
faith to correct the problem with the merchant, you may have
the right not to pay the remaining amount due on the property
or services. There are two 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
mailing address; and

(b) The purchase price must have been more than $50. These
limitations do not apply if we own or operate the merchant,
or  if  we  mailed  you  the  advertisement  for  the  property  or
services.

Under  California  law  our  right  to  recover  outstanding  credit
extended to you for Purchases is subject to any defenses that
you have against the seller, if:

1. The purchase price of the item in question exceeded $50; 
2. The purchase was made in California; 
3. You  made  a  written  demand  on  the  retailer  and  made  a
good  faith  attempt  to  get  satisfaction  of  your  complaint;
and 

4. You notify us, in writing, of the name of the seller, the date
of  purchase,  the  price  paid,  the  goods  or  services
purchased, the nature of your defense and the acts which
you took to obtain satisfaction from the seller. 

The  amount  to  which  the  defense  applies  is  limited  to  the
amount outstanding on the purchase as well as late charges
and  finance  charges  at  the  time  the  written  demand  is
received by us. This remedy is the only one you have against
us. Your rights are limited to those circumstances outlined in
California Civil Code § 1747.90. Purchases with cash or check
are  not  included  in  this  section,  even  though  you  used  your
credit card to validate your credit. We cannot penalize you by
either giving out unfavorable credit information about you or
canceling or refusing to renew your credit card solely because
you obtained relief under the remedies you have for correcting
billing errors. 

TERMS  APPLICABLE  TO  VISA  PLATINUM  MYEECU
REWARDS PROGRAM
Visa  Platinum  cardholders  may  participate  in  the  MYEECU
Rewards  program  which  is  governed  by  the  Program  Rules
outlined in the CURewards brochure. The following additional
rules apply to the CURewards program: 
a. No points are earned for a balance transfer from an existing

EECU Visa account or from another credit card. 

b. Points will accrue over five calendar years and will expire on
a first-in-first-out basis annually; points earned in calendar
year one will expire as of the last day of calendar year five.
(For example, points earned in 2014 will expire December
31,  2019;  points  earned  in  2015  will  expire  December  31,
2020, etc.). 

c. If  your  account  is  closed  or  becomes  inactive  for  18
consecutive  months  or  if  you  fail  to  make  the  minimum
payment due by the payment due date for two consecutive
billing periods, your points may be forfeited.  

ATM DISCLOSURE
You  may  use  your  card  to  obtain  Cash  Advances  through
Automated Teller Machines that are part of a nationwide network
of Visa ATMs. These special provisions apply.

AVAILABLE SERVICES 
1. The amount of cash you can obtain may vary depending on

the ATM you use. 

2. ATM  service  is  generally  available  seven  days  a  week,  24

hours a day. 

DOCUMENTATION OF TRANSACTIONS
Cash Advances using your Visa card at an ATM will be shown on
a transaction receipt and on your periodic statement.

CREDIT UNION LIABILITY
If  we  do  not  properly  complete  a  transaction  according  to  our
agreement  with  you,  we  will  be  liable  for  your  direct  losses  or
damages. However, there are some exceptions. We will not be
liable, if:
a. through no fault of ours, you do not have sufficient available

credit to make the transaction; 

b. the  ATM  system  was  not  working  properly  and  you  knew
about the breakdown when you started the transaction; 
c. the money in your account is subject to legal process or other

claim; 

d. your PIN (Personal Identification Number) has been reported

missing and we have blocked its use; 

e. circumstances  beyond  our  control,  such  as  fire,  flood,
electrical failure, or malfunction of the central data processing
facility prevent the completion of the transaction despite our
reasonable precautions; or 
there are other lawful exceptions established by us and you
are given proper advance notice of them. 

f.

In  no  event  will  the  Credit  Union  be  liable  for  consequential
indirect costs or damages.

FEES
If you perform a Cash Advance at an ATM not owned by us, the
owner of the ATM may charge an ATM transaction fee.

SECURITY 
Do not use an ATM unless it appears safe to do so. Do not key
in your PIN if someone is looking. Be sure you take your card and
receipt  when  you  are  done.  Put  your  money  away  quickly  and
leave the site.

Federally Insured by NCUA

©EECU
(V.2.22.2010)

M-116986

DISC 2 25M (12/15)

VISA ACCOUNT AGREEMENT 
and
 DISCLOSURE

EDUCATIONAL EMPLOYEES CREDIT UNION
Shaded Paragraphs Are Truth in Lending Requirements.
This  agreement  outlines  the  terms  and  conditions  of  your
Educational Employees Credit Union Visa account and provides
required  by  government
certain  disclosure 
regulations.  Keep  this  disclosure  with  your  permanent
documents.

information 

In this document, the words "you," "your," and "yours," refer to
each and all of those who apply for a Visa credit card, sign the
agreement, or all parties who use the card. The words "we," "us,"
"our,"  “Credit  Union,”  and  “EECU”  refer  to  the  Educational
Employees  Credit  Union.    The  term  "card"  refers  to  the  Visa
credit  card  received  with  this  agreement  and  any  duplicates
and/or renewals we issue. The term "account" refers to your Visa
credit card line of credit account with us.

You  acknowledge  receipt  of  a  copy  of  this  Visa  Account
Agreement  and  Disclosure.  By  using  the  card,  any  access
device,  or  by  authorizing  another  person  to  use  your  account,
you agree to and accept the terms as stated.

GENERAL TERMS
The terms of this agreement must be read together as part of the
whole agreement. When the singular is used the plural is implied
if there is more than one signer. If any part of this agreement is
found to be invalid the other parts shall remain in effect. 

Any borrower who receives a card issued under this agreement
must be a member of this Credit Union.

YOUR RESPONSIBILITY
If your application is approved, each applicant will receive a card
and  will  be  able  to  use  the  account.  The  applicants  may  also
receive Visa convenience checks from time to time at the Credit
Union's  option.  Each  applicant  is  liable  to  repay  the  account
under the terms of this agreement.

You agree to make your payments when due, and in an amount