Credit Card Disclosure 12-18_14_Layout 1  12/18/14  3:07 PM  Page 1

This Is Your Contract With Us. You made an application for a Credit Card
Account with us and we gave you a summary of the terms of this Agree-
ment. When you signed the application, or used your Card or Checks, you
agreed to the terms of this Agreement. You must keep all your promises to
us contained in this Agreement. You understand that if your application is
not approved for the Visa Platinum Rewards or Visa Gold Card, this request
constitutes your application for the Visa/MasterCard Classic Card, and you
accept that on a periodic basis you may be considered for an automatic 
upgrade to the Visa Gold or Visa Platinum Rewards Card at the discretion 
of USAlliance Federal Credit Union. In this Agreement the words “You” or
“Your” mean each person who applies for a credit card, signs this 
Agreement, or who uses the credit card or duplicate credit card. “We,” 
“Us,” and “Our(s)” mean USAlliance Federal Credit Union or anyone to
whom the Credit Union transfers its rights under this Agreement. Please see
additional definitions below.

Sign The Card And Keep This Agreement. You must sign the Card
before you use it. By using the Card, you agree to the terms of this Agree-
ment. You should also read this Agreement and keep it for your records.

DEFINITIONS.
The following definitions apply to the terminology used in the Agreement and
on your monthly statement:

Account - Your credit card line of credit with the Credit Union.

Annual Percentage Rate - The cost of your credit at a yearly rate.

ATM - Automated Teller Machine.

Billing Cycle - The time interval between regular monthly billing statement
dates. This interval is considered to be equal if the number of days in the
cycle does not vary more than four (4) days from the regular date of the
monthly billing statement.

Card - Your credit card and any duplicates, renewals, or substitutions the
Credit Union issues to you.

Cash Advance - Credit extended by us to you in the form of a loan made
when you present the Card to us or to any financial institution honoring the
Card, or made when you use any other credit instrument, device, "Special
Check" (including Convenience Checks), or Automated Teller Machine we
make available to you, including Automated Teller Machines of other finan-
cial institutions that may honor the Card. A service fee is applied for each
Cash Advance transaction that is processed on an Account. Please refer to
the Credit Union Fee Schedule.

Check or Convenience Check - The Convenience Check issued to you
for your Credit Card Account with us.

Closing Date - The date of the last day of a Billing Cycle.

Credit Line - The maximum amount of credit available to you as set for the
Account by us from time to time.

Finance Charge - The cost of credit extended to you on the Account 
resulting from applying a Periodic Rate to the average daily balances of
Cash Advances and Purchases.

New Balance - The Account balance outstanding on the Closing Date.

Periodic Rate - The percentage rate of Finance Charges imposed against
a balance for a period. In this Agreement a "monthly" Periodic Rate is used.

Previous Balance - The balance of the Account at the beginning of the
Billing Cycle. (It is the same amount that was shown as "New Balance" on
the Closing Date on the statement for the preceding Billing Cycle.)

Purchases - Extensions of credit by us to you for Purchases through sellers
and lessors of goods, labor, insurance and/or services that honor your Card.

Promise To Pay. You promise to pay us the amount of all Purchases and all
Cash Advances that you make using the Card and all other charges, includ-
ing Finance Charges (interest), incurred under this Agreement. You also
promise to pay us the amount of all of the Checks used. Each use of a
Check is a Cash Advance. Each use of the Card at an ATM to obtain cash is
also a Cash  Advance. A Cash Advance is defined as the use of the Card or
a Check to obtain cash for any purpose. If you allow any person to use the
Card or a Check, you must pay for their Purchases, Cash Advances and
other charges, too.

Promise To Pay Applies To All Applicants. If more than one person
made the application, each of you promises to pay all amounts owed to us
under this Agreement. This means that we may collect money owed to us

from each of you or from all of you. If you ask us to issue a Card to some-
one or to allow someone who did not sign the application to use your Card,
this person will be authorized to use the Card and you will be responsible for
all transactions. If you want to terminate the authorization you must notify us
in writing and have the Card in your possession. Please cut the Card in half
and return it to the Credit Union.

If You Don’t Pay Us.  If you do not pay us at least the Minimum Monthly
Payment amount each month by the Payment Due Date, we have the right
to cancel the Credit Card Account and we can require you to pay the full
amount you owe us at once (after notice if required by applicable law). We
also have these rights if you do not keep each of your other promises in this
Agreement or if any of your statements in the application for the Card were
not true or were incomplete. Should you fail to make a Minimum Monthly
Payment, or keep any of the other promises you make under this Agree-
ment, a negative report may be sent to the credit reporting agencies.

Attorney/Collection Fees. If the Credit Union must sue you and/or refer
your Credit Card Account to a collection agent or an attorney who is not a
salaried employee of the Credit Union, you will pay all the reasonable and
actual expenses of the proceedings.

Your Credit Line. We will tell you the maximum amount that you may owe
us at any time. That amount is your Credit Line. You may not use your Card
or a Check if the use will cause you to exceed your Credit Line or if you 
already owe us more than your Credit Line. If a Check is presented to us
that would cause you to exceed your Credit Line, we may, at our sole 
option, return the Check or pay the Check. If we pay the Check and it
causes you to exceed your Credit Line, you must pay the full amount over
the Credit Line immediately. If a charge causes you to exceed your Credit
Line you must pay the amount that exceeds your Credit Line immediately.
We reserve the right to change your Credit Line at any time.

Credit-worthiness. In addition to any other rights granted in this
Agreement or in law, the Credit Union may terminate this Agreement under
the following conditions:

• Upon adverse reevaluation of your credit-worthiness.
• Upon your failure to comply with the terms of this Agreement.
• At the Credit Union’s option if it has good cause.

Authorization for Credit Review. The Credit Union can obtain information
concerning your creditworthiness from consumer reporting agencies both
now, and in connection with updates, renewals, and later credit extensions.
The Credit Union will inform you upon request whether a consumer report
was requested, and if applicable, provide the name and address of the 
consumer reporting agency that furnished the report.

Over Limit Transaction.  Any transactions which cause you to exceed
your available credit line will be declined.

Statement and Notices. A statement will be sent each month showing
transactions on your Credit Card Account. You are responsible for the 
Minimum Monthly Payment even in the event the statement is late or re-
turned to the Credit Union. Statements and notices will be mailed/e-mailed
to the most recent mailing/e-mail address given to the Credit Union

Minimum Monthly Payments. Each month you must pay at least the 
Minimum Monthly Payment shown on the statement by the Payment Due
Date. You may make payments more frequently; pay more than the 
Minimum Monthly Payment; or pay the total New Balance in full. If additional
payments or large payments are made, you are still required to make at
least the Minimum Monthly Payment each month the Credit Card Account
has a balance.  The Minimum Monthly Payment is $25.00 or 2% of the New 
Balance, whichever is greater; or total balance if less than $25.00. In 
addition, any time the total New Balance exceeds the Credit Line, the 
excess must immediately be paid on demand.  

Payment Allocation. Subject to applicable law, the Credit Union may 
apply payments to what is owed in any manner the Credit Union chooses.
However, in every case, in the event you make a payment in excess of the
minimum payment, the Credit Union will allocate the excess amount first to
the balance with the highest annual percentage rate and any remaining 
portion to other balances in descending order based on applicable annual
percentage rate. 

Late Charges. If you do not pay at least the Minimum Monthly Payment
due by the Payment Due Date, a late charge, in accordance with our
published fee schedule, will be added as a Purchase to your balance.

Mail Payments. We will include payment information with your regular
Credit Union statement for each billing cycle during which there is any
activity or balance on your Credit Card Account. Statements will reflect your
Minimum Monthly Payment due and the Payment Due Date.

Postal Services. The Credit Union assumes no responsibility for the mail.
Payments will be credited to the Account on the date received. Please allow
7 to 10 business days for mail payments. 

Automatic Transfer of Monthly Payments. If you select to have auto-
matic transfer of monthly payments, your monthly payments will be 
automatically made by deduction and transfer from your Credit Union 
Share Management Account on the Payment Due Date.

Other Payment Terms. All your payments to us must be in U.S. dollars
and in available funds. All checks and other payment instruments must be
originally payable to USAlliance Federal Credit Union. We can accept late or
partial payments that are marked Paid in Full or any other similar language,
without losing any of our rights under this Agreement. Payments will be first
applied to Finance Charges and other charges and fees, and then to 
Purchases and Cash Advances in the order they are made. This Credit 
Card Account is secured by your savings and investments in the Credit
Union, except for qualified retirement accounts.

For Online Payments. Payments initiated before 5:00 PM Eastern Time will
be applied to your Credit  Card  Account  the  same business day, however
the available credit will  not  be updated until the next business day. Pay-
ments initiated after 5:00 PM  Eastern Time will be applied the next business
day and available credit will be updated the following business day. If you 
initiate a payment to be made over a weekend or on a financial institution
holiday, the payment will be applied to your Credit Card Account on the 
second business day following your request to pay the bill.

Returned Payment Fee. If your payment check or automatic debit is 
returned unpaid, you will be charged a fee in accordance with our published
fee schedule which will be added as a Purchase to your balance. You will be
assessed this fee if your payment check or debit is returned, even if it is 
subsequently paid.

Annual Fee. We reserve the right to charge an annual fee for any Credit
Card product.

Cash Advances.  You will be assessed a Finance Charge on the date you
obtain the Cash Advance or the first day of the Billing Cycle in which it is
posted to your Account, whichever is later. If you use a Convenience Check,
ATM withdrawal, or authorize the transfer of an existing credit card balance
to us, this transaction will be processed as a Cash Advance.

Cash Advance Fee (Finance Charge).  For each advance obtained at an
ATM, through  a Convenience Check, a check issued by USAlliance FCU or
at a financial institution (without using an ATM), we will add an additional 
Finance Charge  of 3% of the advance, rounded down to the nearest dollar
subject to a minimum of $10.00. We will add this fee to the cash advance
balance. The cash advance fee will be posted to your account on the date
of the transaction. The cash advance transaction fee may cause the annual
percentage rate on which the cash advance first appears to exceed the
nominal annual percentage rate.

Cash Advance Limits. Cash Advances at ATMs may be limited for security
reasons and you may not be able to make a Cash Advance or Cash Ad-
vance for the full amount of your remaining Credit Line. 

Credit Life/Disability Premiums. If you have elected Credit Life and/or
Credit Disability Insurance Protection, the monthly premiums will be added
as a Purchase to your balance at the end of the Billing Cycle.

Credit Balances. Any credit balances will be automatically refunded to your
Share Management Account after 60 days.

Finance Charges. New Purchases posted to your Account during a Billing
Cycle will not incur a Finance Charge (interest) for that Billing Cycle if you
had a zero balance or credit balance at the beginning of that Billing Cycle, or
you paid the entire New Balance on the previous cycle’s billing statement by
the Payment Due Date of that statement; otherwise a Finance Charge will
accrue from the date a Purchase is posted to your Account. To avoid an 
additional Finance Charge on the balance of Purchases, you must pay the
entire New Balance on the billing statement by the Payment Due Date of
that statement. A Finance Charge begins to accrue on Cash Advances from
the date you get the Cash Advance or from the first day of the Billing Cycle
in which the Cash Advance is posted to your Account, whichever is later.

The Finance Charge (interest) is calculated separately for Purchases and
Cash Advances. For Purchases, the Finance Charge is computed by 
applying the daily Periodic Rate to the average daily balance of Purchases.
To get the average daily balance of Purchases, we take the beginning 
outstanding balance of Purchases each day, add any new Purchases, and 
subtract any payments and/or credits. This gives the daily balance of 
Purchases. Then, we add all the daily balances of Purchases for the Billing
Cycle together and divide the total by the number of days in the Billing
Cycle. This gives us the average daily balance of Purchases.

For Cash Advances, the Finance Charge (interest) is computed by 
applying the daily Periodic Rate to the average daily balance of Cash 
Advances. To get the average daily balance of Cash Advances, we take the
beginning outstanding balance of Cash Advances each day, add in any new
Cash Advances, and subtract any payments and/or credit that we apply to
the Cash Advance balance. This gives us the daily balance of Cash Ad-
vances. Then, we add all the daily balances of Cash Advances for the Billing
Cycle  together and divide the total by the number of days in the Billing
Cycle. This gives us the average daily balance of Cash Advances. Balance
transfers and Convenience Checks are calculated in the same manner as
Cash Advances. 

How the Variable Annual Percentage Rate Changes. The Annual Per-
centage Rate (APR) for new Purchases/Cash Advances and existing bal-
ances will change on the ﬁrst day of each month to reﬂect any change in the
index and is calculated by adding the margin amounts to the Prime Rate as
quoted in the Wall Street Journal on the 25th of the month. If the Wall Street
Journal ceases publication or no longer publishes the Prime Rate, or
changes the manner in which its Prime Rate is determined, we may select
another comparable index to be the "Prime Rate" under this Agreement. 

The product types and margin calculations are now listed in the 
Account Solicitation and Account Opening Disclosures. 

The maximum interest rate will never exceed the rate permitted under the
Federal Credit Union Act. If your rate increases, additional payments may 
be required.

An Increase In The Annual Percentage Rate. We reserve the right, at
any time, to charge you a lower rate than the formula set forth herein might
indicate without losing any of our rights. Any increase in the interest rate will
be effective as to future advances and your outstanding loan balances 
regardless of whether you use the Card after the effective date of a change
in the interest rate. An increase in the interest rate will not affect the amount
of your monthly payment. The increased rate will cause a larger portion of
your payment to be applied to interest, and a smaller portion to be applied
to the outstanding principal, than in previous periods.

Deferred Payment Option. From time to time we may offer a deferred
payment option whereby you will have the right not to make Minimum
Monthly Payments for a specified period of time. However, regular Finance
Charges will accrue during the period of deferral. If you elect this option, we
are not required to give you advance notice before resuming regular monthly
payments or assessing Finance Charges.

Illegal Use and Internet Gambling. Your Card may not be used for any 
illegal transaction. For example, you may not use your Card for gambling, or
for gambling online, where such gambling is illegal in your state, and you
may not use your Card for gambling in any locale where gambling or online
gambling is illegal under that locality’s local or state law. Further, you may not
use your Card for any transaction which is illegal in your state, and you may
not use your Card for any transaction in any locale where such transaction is
illegal under that locality’s state or local law. Should your Card be used for
any illegal transaction, USAlliance Federal Credit Union shall bear no respon-
sibility for such and shall incur no liability to you for such use.

Disputed Credit Card Transactions. You cannot stop or prevent payment
on any type of Credit Card transaction. However, if you immediately notify us
in writing, you may, under certain circumstances, have a right to dispute the
transaction. Federal law requires that some disputes be filed within a specific
period of time. For more information please refer to the Billing Rights section
of this Agreement. Please advise us in writing if you wish to cancel your
Credit Card Account. You still must pay us any amount that you owe us.
You may send your correspondence to:

Customer Service P.O. Box  31112, Tampa, FL  33631-3112.  

Liability For Unauthorized Use. You may be liable for the unauthorized
use of your Card. You will not be liable for unauthorized use that occurs after
you notify the Credit Union at Customer Service P.O. Box 3112, Tampa, FL
33631-3112, orally or in writing, of the loss, theft, or possible unauthorized
use. In any case, your liability will not exceed $50. In the continental U.S.,

you may notify us by calling 800-449-7728; Overseas, call us collect at 
914-921-1750.

Limitation Of Our Responsibilities. We will not be responsible for 
merchandise or services purchased by you with the Card unless required by
law. We will not be responsible for the refusal of any person to honor the
Card or Checks or if you are not able to use the Card at an ATM.

Changing or Terminating the Terms Of This Agreement. As permitted
by law, the Credit Union may change the terms of this Agreement and
any attached Disclosure at any time. Notice of any change will be given in 
accordance with applicable law. If permitted by law and specified in the 
notice to you, the change will apply to your existing account balances 
as well as to future transactions.

Either you or the Credit Union may terminate this Agreement at any time,
but termination by you or the Credit Union will not affect your obligation to
pay the account balances plus any finance and other charges you owe
under this Agreement. Your obligation to pay the account balances plus
any finance and other charges you owe under this agreement are subject
to all applicable laws and regulations regarding repayment requirements.
You are also responsible for all transactions made to your account after
termination, unless the transactions were unauthorized. 

The card or cards you receive remain the property of the Credit Union and
you must recover and surrender to the Credit Union all cards upon request
or upon termination of this Agreement whether by you or the Credit Union.  

What Law Applies. This Agreement will be governed by the Federal
Credit Union Act and the laws of the State of New York (to the extent not 
preempted).

Information About You. We may give information about you, including 
information about your Credit Card Account or your payment history with 
us, to other persons or companies except as prohibited by law. You 
authorize us to make whatever credit or investigative inquiries we deem 
necessary in the course of review of any credit extended under this 
Agreement and to update our records from time to time. If you ask us, we
will tell you whether we asked for credit reports about you. If we did, we 
will give you the name and address of the credit reporting agency.

Foreign Transaction Fee (Finance Charge). 
Purchases and cash advances made in foreign countries and foreign 
currencies will be billed in U.S. dollars. The conversion rate to dollars as well
as foreign conversion fees, plus an International Service Assessment fee of
1% of the international transaction amount, will be made as of the date the
transaction is posted to the Account in accordance with the operating regu-
lations for international transactions established by Visa and MasterCard. 

Foreign Transaction fees will be listed on your statement as Foreign 
Transaction Interest. You will not pay any additional Interest Charges if you
pay the Full Balance of the statement by the Payment Due Date. If you do
not pay the full statement balance, interest will accrue from the date the 
Foreign Transaction fee is posted to your account.

An Interest Charge begins to accrue on Foreign Transaction fees that relate
to Cash Advances from the date the Foreign Transaction fee is posted to
your Account or from the first day of the Billing Cycle in which the Foreign
Transaction fee is posted to your Account, whichever is later.

Stop Payment on Convenience Checks. If you wish to prevent payment
of a Convenience Check, we may be able to help. Call us at  866-820-
3793. Be prepared to describe the Convenience Check with  certainty in-
cluding the specific date, exact amount of the Convenience Check and the
Check number. It is important that all items be correct.

If any single item is incorrect we may not be able to prevent payment of the
Check. You must confirm the request in writing within ten (10) days of your
telephone call. A written request will expire after a period of six (6) months
but may be renewed upon written request. If the written request expires, 
the Convenience Check may be paid if presented. If you follow these 
instructions and we receive your request in time to afford us reasonable 
opportunity to act, we may be able to prevent payment of the Convenience
Check. You agree to hold us harmless and indemnify us for any losses, 
expenses and costs, including attorney fees incurred by us, for preventing
payment of any Convenience Check or for failure to prevent payment of any
Convenience Check.

Stop Payment Fee. If you ask us to stop payment on a Convenience
Check you have written, you will be charged our current Stop Payment Fee
which will be added as a Purchase to your balance. Please refer to the
Credit Union Fee Schedule.

Default. You will be in default if:

• you don’t make your payments on time;
• you fail to comply with all the terms of this Agreement;
• any information you furnished the Credit Union is false in any material way;
• you become bankrupt or someone to whom you owe money sues you or

tries to take your property by legal proceedings;

• you die or become legally unable to manage your affairs; or
• the Credit Union reasonably believes you will not be able to meet the 
repayment requirements due to a material change in your financial 
circumstances.

Other Provisions.

• This card may not be used for any illegal transaction.
• The Credit Union can delay enforcing any of its rights under this 

Agreement with out losing them.

If any provision of this Agreement is held to be invalid or unenforceable, the
rest of this Agreement will not be affected.

For All Applicants. The Federal Equal Credit Opportunity Act prohibits
creditors from discriminating against credit applicants on the basis of race,
color, religion, national origin, handicap, familial status, sex, marital status, or
age (provided the applicant has the capacity to contract in  accordance with
applicable state law); because all or part of the applicant’s income derives
from any public assistance program; or because the  applicant has in good
faith exercised any right under the Consumer Protection Act. The federal
agency that administers compliance with this law concerning this creditor is
the National Credit Union Administration, 9 Washington Avenue Extension,
Albany, NY 12205.

California Residents. A married applicant may apply for a separate 
account. Applicants: 1) agree the Credit Union may compound interest on
balances not paid in full each month by the periodic billing statement's 
payment due date; 2) may, after credit approval, use the Credit Card 
Account up to its credit limit; 3) may be liable for amounts extended under
the plan to any joint applicant or authorized user. As required by law, you are
hereby notified that a negative credit report reflecting on your credit record
may be submitted to a credit reporting agency if you fail to fulfill the terms of
your credit obligations.

California and New Hampshire Residents. You have the right to prohibit
the use of information contained in your file with any consumer credit 
reporting agency in connection with a transaction that is not initiated by you.
To do so for the following agencies, notify: Experian 888-397-3742, Trans
Union 877-322-8228 or Equifax 800-685-1111.

Illinois Residents. No applicant may be denied a credit card on account of
race, color, religion, national origin, ancestry, age (between 40 and 70), sex,
marital status, physical or mental handicap unrelated to the ability to pay or
unfavorable discharge from military service.

New Mexico Residents. Notice to Buyer:

1. Do not sign this Credit Agreement before you read it or if it contains any

blank space.

2. You are entitled to a completely filled-in copy of this Credit Agreement.

New York Residents. A consumer credit report may be ordered in 
connection with this application or subsequently in connection with the 
update, renewal or extension of credit. Upon your request, you will be 
informed if such a report was ordered. If so, you will be given the name and
address of the consumer reporting agency furnishing the report. Contact the
New York State Banking Department (800-518-8866) for a comparative list
of credit card rates, fees and grace periods.

Ohio Residents. Ohio laws against discrimination require creditors to make
credit equally available to all creditworthy customers and that credit report-
ing agencies maintain separate credit histories on each individual upon re-
quest. The Ohio Civil Rights Commission administers compliance with these
laws.

Vermont Residents. By signing the Credit Card Application, you (applicant
and co-applicant, if any) authorize the Credit Union to obtain at any time
your credit reports, for any legitimate purpose associated with the account
or the application or request for an account, included but not limited to 
reviewing, modifying, renewing and collecting on your account.

Wisconsin Residents. No provision of any marital property agreement, 
unilateral statement, or court order applying to marital property will adversely
affect a creditor's interests unless prior to the time credit is granted, the
creditor is furnished with a copy of the agreement, statement or court order,

HOW TO FILE A LIFE CLAIM
We must be given a claim report, a copy of the member's loan records, 
insurance application/certificate and a certified copy of the death certificate 
(or other lawful evidence) as proof of a life insurance claim.

HOW TO FILE A TOTAL DISABILITY CLAIM
You must contact us or your Credit Union about your Total Disability claim when
you are eligible for benefits. Your Credit Union will provide you with claim forms
or you can simply send us written proof of your disability. That proof must show
the date and the cause of the Total Disability and how serious it is, and it must
be signed by a physician or a chiropractor. The initial proof should be for the 
initial period of Total Disability, after you have completed the Waiting Period or
Elimination Period. After that, we will require proof of your continued disability,
from time to time. You must send proof to us within 90 days after your Total 
Disability stops. If you cannot send proof to us within 90 days, you must do so
as soon as you can. Unless you have been legally incapable of filing proof of
Total Disability, we won't accept it if it is filed after one (1) year from the time it
should have been filed. You can't start any legal action until 60 days after you
send us proof of your Total Disability and you can't start any legal action more
than three (3) years after you send the proof.

CONFORMITY WITH STATE STATUTES
Any part of the Group Policy which, on the Effective Date of the Group Policy,
conflicts with the statutes of the state where the Group Policy was  delivered is
changed to conform to the minimum standards of those statutes.

PHYSICAL EXAMINATION
We, at our own expense, have the right, and you must allow us the opportunity,
to examine your person as often as is reasonably required while a claim is 
pending.

Retain this Agreement for your records

Credit Card Disclosure 12-18_14_Layout 1  12/18/14  3:07 PM  Page 2

or has actual knowledge of the provision. You (applicant) must send the
name and address of your spouse within 15 days to USAlliance Federal
Credit Union, 600 Midland Avenue, Rye, NY 10580 so that we can provide
your spouse with a disclosure required under Wisconsin law.

Features and Services. Some card services and features are provided by
independent suppliers who assume responsibility for their programs. Card
features and services have some restrictions, exclusions and limitations. The
availability, scope and providers of these services are subject to change. Full
details of current coverage will be provided when you become a card holder.

Credit Life and Credit Disability Insurance. When you borrow from the
Credit Union, you may select insurance coverage for the continuation of 
Autodraft/RV, Signature/Overdraft and Credit Card loan payments in the
event of your death or disability. This coverage, which is strictly voluntary
and not required on your loans, is offered by the CUNA Mutual Insurance
Society, 5910 Mineral Point Road, Madison, WI 53705-4456, Phone: 
800-356-2644. The provisions in this Certificate of Insurance are effective
only for coverage(s) you elected in the Credit Insurance Application on your
Membership Agreement and/or your Credit Card/Loan Application. Payment
of premiums for the coverage you elected will appear on your monthly 
statements. Retain this information for your records.

Credit Insurance Information/Schedule. "You" or "Your" means the
Member and Joint Insured (if applicable). Credit Insurance is voluntary and
not required in order to obtain this loan. You may select any insurer of your
choice. The rate you are charged for the insurance is subject to change. You
will receive written notice before any increase goes into effect. You have the
right to stop this insurance by notifying your Credit Union in writing.
Your signature on the Loanliner Credit and Security Agreement means you
agree that:

• If you elect insurance, you authorize the Credit Union to add the charges

for insurance to your loan each month.

• You are eligible for Disability Insurance only if you are working for wages or
profit 25 hours a week or more on the date of any advance. If you are not,
that particular advance will not be insured until you return to work. If you
are off work because of temporary layoff, strike or vacation, but soon to
resume, you will be considered at work.

• You are eligible for Insurance up to the maximum age for insurance. 

Insurance will stop when you reach that age.

Your Billing Rights
This notice contains important information about your rights and our
responsibilities under the Fair Credit Billing Act.

What To Do If You Find A Mistake On Your Statement

If you think there is an error on your statement, write us at:

Customer Service
P.O. Box 31112
Tampa, FL 33631-3112

In your letter, give us the following information:
• Account Information: Your name and account number.
• Dollar amount: The dollar amount of the suspected error.
• Description of problem: If you think there is an error on your bill, 

describe what you believe is wrong and why you believe it is a mistake.

You must contact us:
• Within 60 days after the error appeared on your statement.
• At least 3 business days before an automated payment is scheduled, if

you want to stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing. You may call us, but if
you do we are not required to investigate any potential errors and you may
have to pay the amount in question.

What will Happen After We Receive Your Letter

When we receive your letter, we must do two things:
1. Within 30 days of receiving your letter, we must tell you that we received
your letter. We will also tell you if we have already corrected the error.
2. Within 90 days of receiving your letter, we must either correct the error or

explain to you why we believe the bill is correct.

While we investigate whether or not there has been an error:
• We cannot try to collect the amount in question, or report you as 

delinquent on that amount.

• The charge in question may remain on your statement, and we may 

continue to charge you interest on that amount.

• While you do not have to pay the amount in question, you are responsible

for the remainder of your balance.

• We can apply any unpaid amount against your credit limit.

After we ﬁnish our investigation, one of two things will happen:
• If we made a mistake: You will not have to pay the amount in question or

any interest or other fees related to that amount.

• If we do not believe there was a mistake: You will have to pay the amount
in question, along with applicable interest and fees. We still send you a
statement of the amount you owe and the date payment is due. We may
then report you as delinquent if you do not pay the amount we think you
owe.

If you receive our explanation but still believe your bill is wrong, you must
write us within 10 days telling us that you still refuse to pay. If you do so, 
we cannot report you as delinquent without also reporting that you are 
questioning your bill. We must tell you the name of anyone to whom we 
reported you as delinquent, and we must let those organizations know 
when the matter has been settled between us.

If we do not follow all of the rules above, you do not have to pay the first $50
of the amount you question even if your bill is correct.

Your Rights If You Are Dissatisfied With Your Credit Card Purchase
If you are dissatisfied with the goods or service that you have purchased
you’re your credit card, and you have tried in good faith to correct the 
problem with the merchant, you may have the right not to pay the remaining
amount due on the purchase.

To use this right, all of the following must be true:
1. The purchase must have been made in your home state or within 100

miles of your current mailing address, and the purchase price must have
been more than $50. (Note: neither of these is necessary if your purchase
was based on an advertisement we mailed to you, or if we own the 
company that sold you the goods or service.)

2. You must have used your credit card for the purchase. Purchases made
with cash advances from an ATM or with a check that accesses your
credit card account do not qualify.

3. You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still dissatisfied with the 
purchase, contact us in writing at:

Customer Service
P.O. Box 31112
Tampa, FL 33631-3112

While we investigate, the same rules apply to the disputed amount as 
discussed above. After we finish our investigation, we will tell you our 
decision. At this point, if we think you owe an amount and you do not pay,
we may report you as delinquent.

******************************************************************************************

The insurance you’re applying for contains certain terms and exclusions;
refer to your certificate for coverage details.

Certificate of Insurance Single/Joint Credit Life & Single Credit Disability
Monthly Premium. For purposes of this section, "We" means the CUNA 
Mutual Insurance Society, 5910 Mineral Point Road, Madison, WI 
53705-4456, 800-356-2644.

Within 15 days after you receive this Certificate, you have the right to return
the Certificate to the Credit Union for cancellation and any premium paid by
you will be immediately returned. We certify that while we are paid the 
premiums for the Group Policy by the Credit Union as they become due,
you are insured for the coverage marked in the Schedule, subject to the
terms of the Group Policy issued to the Credit Union.

BENEFITS
Benefits are paid to your Credit Union to pay off or reduce your loan. If the
benefits are more than the balance of your loan, the difference will be paid to
you if you are living or to the Beneficiary named by you, if any, or to your 
estate.

Death Beneﬁt. If you die while you are insured for life coverage, we will pay
the principal balance of your loan on the date of your death, plus not more
than six (6) months unpaid interest on your loan to that date, not to exceed
the Maximum Amount of Life Insurance.

Joint Insured Death Beneﬁt. If your joint insured dies while insured for life
coverage, we will pay on the same basis as above. Only one (1) death 
benefit, however, is payable under this Certificate.

Total Disability Insurance Beneﬁt. If you are insured for disability cover-
age, we will pay a benefit if you file written proof that you became totally 
disabled while insured and continue to be totally disabled for longer than the
period stated in the Schedule. Payment will be calculated beginning with the
day shown in the Schedule. The monthly benefit for each month of your 
disability to be compensated will be equal to the minimum monthly payment
required on your loan on the date you became disabled. For a partial month,
each daily benefit will be equal to 1/30th of the monthly benefit. Our monthly
benefit payment will not exceed the Maximum Monthly Total Disability 
Benefit stated in the Schedule.

Our benefit payments will stop on the date:

1. You are not totally disabled any more; or
2. The insured portion of your loan has been repaid or otherwise stops; or
3. Of your death

Deﬁnition of Total Disability. During the first 12 consecutive months of
total disability, Total Disability means that you are not able to perform most of
the duties of your occupation because of a medically determined sickness
or accidental injury and are under the care and treatment of a physician.
After the first 12 consecutive months of Total Disability, the definition
changes and requires that you not be able to perform the duties of any 
occupation for which you are reasonably qualified by education, training or
experience. You will be required to give us proof of your continuing Total 
Disability from time to time. If your Total Disability recurs within seven (7)
days after you have recovered from that period of Total Disability, we will
consider this a continuation of that period of Total Disability. However, if your
Total Disability recurs more than seven (7) days after you have recovered, 
we will consider it a new period of Total Disability.

EXCLUSIONS AND RESTRICTIONS
Misstated Age. If you stated you are under the Maximum Age for Insurance
stated in the Schedule, but you are not, we will return your premium when
we discover this and will not pay any benefits. This applies to disability 
coverage as well as life coverage on you and your joint insured.

Total Disabilities Not Covered. We won't pay a claim for any advance on
a loan or return your disability insurance premium if your Total Disability:

1. Begins within six (6) months after the effective date of insurance on the
advance and results from any disease (exclusive of acute infectious 
diseases of the upper respiratory tract and other diseases generally 
considered medically as not affecting future health) or bodily injury for
which you received medical advice, diagnosis or treatment at any time
within the six   (6) month period immediately preceding the effective 
date of insurance on the advance.

WHEN INSURANCE STOPS
This insurance automatically stops:

1. On the last day of the month in which we receive your written request to

stop the insurance; or if earlier,

2. On the last day of the month in which you withdraw your authorization for

the addition of charges for the insurance to your loan; or

3. On the date your loan stops; or
4. On the last day of the month in which you are three (3) months 

delinquent in any payment on your loan; or

5. On the date the Group Policy stops; or
6. On the date of your death; or
7. On the date your loan is transferred to a creditor other than the Credit

Union; or

8. On the last day of the month during which you reach the Maximum Age

for Insurance.

WHAT THE CONTRACT IS & HOW YOUR STATEMENTS AFFECT IT
The Group Policy, the Application for the Group Policy and the attached 
Member's Application are the complete contract of insurance. All state-
ments made by you are considered to have been made to the best of your
knowledge and belief. No statement can be used to void this insurance or
deny a claim 
unless that statement is signed by you. After two (2) years from the date of 
insurance, no statement made by you can be used to void this insurance or
deny a claim.

Credit Card 
Agreement
and Disclosure
&
Credit Life/Disability
Insurance Coverage
and Exclusions

Thank You for choosing a

USAlliance Credit Card

Retain this document for your records

Equal Opportunity Lender
Federally Insured by NCUA

800.431.2754
www.USAlliance.org

M-108254