with the Card, if you have made a good faith attempt, but have been unable to 
obtain satisfaction from the merchant or service provider, and (a) your Purchase 
was made in response to an advertisement we sent or participated in sending to 
you, or (b) your Purchase costs more than $50.00 and was made in your state 
or within 100 miles of your home.
24. Responsibility and Liability. You may be liable for the unauthorized use 
of your Credit Card. If you lose or someone steals your card or any other means 
to access your Account, or if you think someone has used your Account without 
your  permission,  immediately  inform  Notre  Dame  Federal  Credit  Union. 
You will not be liable for unauthorized use that occurs after you notify Notre 
Dame Federal Credit Union orally or in writing of the loss, theft, or possible 
unauthorized use at P.O. Box 7878, Notre Dame, IN, 46556, 1-800-522-6611 or 
574-239-6611. If notice is given orally, you will promptly confirm it in writing. 
We may require you to provide us certain information in writing to help us 
investigate any unauthorized use. Further, you agree to cooperate and assist 
us or any government or law enforcement agent or agency in investigating, 
collecting  or  pursuing  any  other  rights  (civil  and  criminal)  relating  to  any 
unauthorized use. In this regard, you agree to file an appropriate police report 
when asked to do so. Do not use the Card or the Convenience Checks after you 
have notified us, even if you find them or have them returned to you. You are 
liable for all transactions that you authorize. We may end your credit privileges 
and close your Account if we consider it appropriate. No Liability: You will 
have no liability for unauthorized use of your Card, Convenience Checks or 
other Access Devices for non-ATM transactions made over the Visa® Network 
if the following conditions are met: (a) you have not been grossly negligent; 
and (b) you have not committed, participated in or conspired to commit any 
fraudulent act or scheme involving the use of your Visa® credit card account. 
Limited Liability:  For transactions on other networks or ATM transactions, 
you may be liable for unauthorized transactions using your Card, Convenience 
Checks or other Access Devices that occur before we are notified. However, 
your liability for unauthorized use on networks other than Visa® will not exceed 
$50.00.  In  any  case,  you  will  not  be  liable  for  any  unauthorized  use  after 
notifying us of the loss, theft or unauthorized use of your Card, Convenience 
Checks or other Access Devices.
25. Closing or Suspending Your Account. Any individual cardholder without 
the  consent  of  other  cardholders  may  close  your Account  at  any  time  by 
notifying us in writing or verbally as indicated in this Agreement. We may 
close your Account or suspend your Card privileges or Convenience Checks at 
any time without prior notice. We may also reissue a different Card or different 
checks at any time. You must return the Card or the Convenience Checks to 
us upon request. You agree that the Card and all Convenience Checks remain 
the property of  us. Each Card we issue will have an expiration date. Upon 
expiration of your Card, your Account will automatically terminate; or we, in 
our sole discretion, may extend your Agreement and issue a new Card with a 
new expiration date.  If your Account is closed, expires, or your credit privileges 
are terminated or suspended, you will remain responsible for paying all amounts 
you owe us according to the terms of this Agreement and any amendments or 
change in terms. Without limiting the foregoing, we have the right to terminate 
your line of credit and to demand the return of all Cards, Convenience Checks 
and other access devices if we, in our sole discretion, feel that it is insecure 
for any reason whatsoever, including (but not limited to) mismanagement of 
your Account, failing to safeguard any access device, creation of any credit 
balances by you that may increase the risk of loss or exposure of us or failing 
to cooperate with us or others with regard to any claim of unauthorized use or 
any other defense to payment under applicable law.
26. Credit Information. You authorize us to investigate your credit standing 
when opening or reviewing your Account. In assessing any increase to your 
credit line under the provisions in this section, we may, and you authorize us 
to, review your credit history, including consumer credit reports. You authorize  
us  to  disclose  information  regarding  your Account  to  credit  bureaus  and 
creditors who inquire about your credit standing. If you think we have reported 
information to a credit reporting agency that is not correct, you may write to 
us using the Member Services address listed on your billing statement. Please 
include your name, address, Account number, telephone number, and a brief 
description of the problem and a copy of the credit reporting agency report if 
you have it. We will investigate the matter. If our investigation shows that you 
are right, we will contact each credit reporting agency to which we reported 

the information and will request they correct the report. If we disagree with you 
after our investigation, we will tell you in writing or by telephone. 
27.  Communications/Change  of  Information.  We  can  provide  cards,  billing 
statements and other communications to you at any mailing address or email address 
shown in our records. If you change your contact information such as any mailing 
address, telephone number or email address, you must notify us immediately in 
writing at the address shown on your billing statement. We may obtain mailing 
address  and  email  address  information  from  you  or  third  parties,  and  we  may 
accept mailing address corrections from the United States Postal Service. If more 
than one person is responsible for this Account, we can provide billing statements 
and communications to any of you. Notice to one of you will be considered notice 
to all of you. You all will remain obligated on the Account. You agree to pay any 
fee(s) for incoming communications from us, and/or outgoing communications 
to us, without reimbursement from us. You authorize us, or anyone acting on our 
behalf, to call, email, or send a text message using information you provide or to 
any number where we reasonably believe we can contact you. These include calls 
to mobile, cellular, or similar devices, and calls using automatic telephone dialing 
systems and/or prerecorded messages. We may also send an email to any address 
where we reasonably believe we can contact you. Some of the legal purposes for 
calls and messages include: suspected fraud or identity theft; obtaining information; 
transactions on or servicing of your Account.
28. Telephone Monitoring and Recording. We and our agents may listen to and 
record your telephone calls with us. You agree that we and our agents may do so, 
whether you or we initiate the telephone call.
29. Agreement. This Agreement is the contract that applies to all transactions 
on  your Account,  even  though  the  Purchases,  Cash Advances,  credits  or  other 
slips you sign or receive may contain different terms. You agree to all the terms 
and fees contained in the “Credit Disclosure.” We have the right to change the 
terms of the Agreement for any reason, and in any respect, by adding, deleting or 
modifying any provision, including APRs, fees, the Minimum Payment and other 
terms. We can add a new provision without regard to whether the provision deals 
with a matter already addressed by this Agreement. In certain circumstances, we 
are required by law to notify you of changes to the terms of this Agreement, and 
in other circumstances we may not be required to do so. When required by law 
to advise you that you have a legal right to reject any changes we make, we will 
provide an explanation about how to do that. In some circumstances, APRs or other 
aspects of your Account may change even though the terms of the Account do not 
change, for example when the Prime Rate changes or a promotional period ends.
30. Assignment. We may assign your Account, any amounts you owe us, or any 
of our rights and obligations under this Agreement to a third party. The assignee 
will be entitled to any of our rights that we assign to that person.
31. No Waiver. The Credit Union can delay enforcing any of its rights any number 
of times without losing them. 
32. Additional Benefits/Card Enhancements. The Credit Union may from time 
to time offer additional services to your Account, such as travel accident insurance, 
purchase  rewards  or  rebates  at  no  additional  cost  to  you. You  understand  that 
the Credit Union is not obligated to continue or to offer such services and may 
withdraw or change them at any time. If these benefits are withdrawn prior to 
any accrued use by you, the Credit Union will have no obligation to provide the 
benefit or enhancement, or any other compensation or consideration. 
33. Personal Identification Number (PIN). We will furnish you with a Personal 
Identification Number (PIN) upon activation or at your request. You agree to keep 
the PIN confidential. You also agree you won’t write the PIN on the Visa® credit 
card or anything you keep with the Visa® credit card. You agree that your use of 
the PIN and Visa® credit card in getting a Cash Advance constitutes your signature 
for purposes of such a transaction. 
34.  Governing  Law.  The  terms  and  enforcement  of  the Agreement  and  your 
Account shall be governed and interpreted in accordance with federal law, and to 
the extent state law applies without regard to conflict-of-law principles.
35.  For  Information.  Please  call  the  Member  Services  telephone  number  on 
your card or billing statement if you have any questions about your Account or 
this Agreement.

YOUR BILLING RIGHTS
KEEP THIS NOTICE FOR FUTURE USE

CREDIT CARD
AGREEMENT  AND  DISCLOSURE

This notice contains important information about your rights and our 
responsibilities under the Fair Credit Billing Act. 

Notify Us In Case of Errors or Questions About Your Bill.

  If  you  think  your  bill  is  wrong,  or  if  you  need  more  information  about  a 
transaction on your bill, write us on a separate sheet at the address listed on 
your bill. Write us as soon as possible. We must hear from you no later than 
sixty (60) days after we send you the first bill on which the error or problem 
appeared. You can telephone us, 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.
• Describe the error and explain, if you can, why you believe there is an error.  
If you need more information, describe the item you are not sure about.

If  you  have  authorized  us  to  pay  your  credit  card  bill  automatically  from 
your savings or share draft account, you can stop the payment on any amount 
you think is wrong. To stop the payment, your letter must reach us three (3) 
business days before the automatic payment is scheduled to occur. 

Your Rights and Our Responsibilities After We Receive Your Written Notice 

We  must  acknowledge  your  letter  within  thirty  (30)  days,  unless  we  have 
corrected the error by then. Within ninety (90) days, we must either correct 
the  error  or  explain  why  we  believe  the  bill  was  correct. After  we  receive 
your letter, we cannot try to collect any amount you question, or report you as 
delinquent. We can continue to bill you for the amount you question, including 
Finance Charges, and we can apply any unpaid amount against your credit limit. 
You do not have to pay any questioned amount; 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 ten (10) days 
telling us that you still refuse to pay, we must tell anyone we report you to that 
you have a question about your bill. We must tell you the name of anyone we 
reported you to. We tell anyone we report to that the matter has been settled 
between us when resolved. If we don’t follow these rules, we can’t collect the first 
$50.00 of the questioned amount, even if your bill was correct.   

Special Rule for Credit Card Purchases. If you have a problem with the quality 
of property or services that you purchased with your 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 
(2) 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; or (b) The purchase price must have been more than $50.00. These 
limitations do not apply if we own or operate the merchant, or if we mailed you 
the advertisement for the property or services.

06/16

NDGCPDIS

In this Agreement the words you and your mean each and all of those who receive 
this Agreement. Card means a Visa® credit card and any duplicates and renewals the 
Credit Union issues. Account means your Visa® credit card limit or credit account 
with the Credit Union. We (Us) means the Credit Union whose name appears on 
the application, agreement, credit card, or monthly billing statement. In addition 
to this Agreement you agree that your Account will also be subject to all rules and 
regulations of Visa® as applicable, which are incorporated herein by reference. If 
there is any conflict between this Agreement and the rules and regulations of Visa® 
the rules and regulations of Visa® will control, as applicable.

CONSENSUAL  SECURITY  INTEREST:    You  grant  us  a 
security interest in all individual and joint share and/or deposit 
accounts you have with us now and in the future to secure your 
credit card account. Shares and deposits in an IRA or any other 
account  that  would  lose  special  tax  treatment  under  state  or 
federal law if given as security, are not subject to the security 
interest you have given in your shares and deposits. You may 
withdraw  these  other  shares  unless  you  are  in  default. When 
you  are  in  default,  you  authorize  us  to  apply  the  balance  in 
these accounts to any amounts due. For example, if you have 
an unpaid credit card balance, you agree we may use funds in 
your account(s) to pay any or all of the unpaid balance. You 
acknowledge and agree that your pledge does not apply during 
any periods where you are a covered borrower under the Military 
Lending Act.

1. Using this Card. You must sign the Card in order to use it. Your Account is 
to  be  used  only  for  personal,  family,  or  household  purposes. You  may  use  the 
Card issued to you to make Purchases in person, over the Internet, and by mail 
or telephone from merchants and others who accept Visa® credit cards and Cash 
Advances, which includes the use of a Personal Identification Number (PIN) at an 
Automated Teller Machine (ATM). Certain Purchases and Cash Advances require 
authorization prior to completion of the transaction. In some cases, you may be 
asked to provide identification. If our system is not working, we may not be able 
to authorize a transaction, even though you have sufficient credit available. Also, 
for security reasons, we may block the use of your Card in certain countries or 
geographic areas. We will have no liability to you or others if any of these events 
occur. We are not responsible for any losses if a transaction on your Account is 
declined for any reason, either by us or a third party. We reserve the right to refuse 
to  honor  any  request  for  credit,  to  reduce  your  Credit  Limit  or  terminate your 
Account at any time using our sole discretion, based on changes in the economy, 
the  Credit  Union’s  financial  condition,  your  creditworthiness  or  for  any  other 
reason not prohibited by law.  
2. Authorized Users. You agree to pay all charges (Purchases and Cash Advances)  
made by you or anyone who you authorize to use your Account. If you let anyone 
use your Account, that person is an authorized user. You are responsible for all 
use of your Account including charges by authorized users. You must tell us if 
you want to stop an authorized user from using your Account. If you do, we may 
close the Account and issue a new Card(s) with a different Account number. It is 
your responsibility to get any Cards, checks or any other means of access to your 
Account from the authorized user and destroy them or return them to us upon 
request. Your obligation to pay the amount owed on your Account continues until 
paid in full even though an agreement, divorce decree or other court judgment to 
which we are not a party may direct someone else to pay the Account balance. If 
more than one person signs the application, each is individually responsible for 
all amounts owed on the Account and all are jointly responsible for all amounts 
owed. This means we can enforce this Agreement against any of you individually 
or all of you together.   
3. Billing Statements. Your Account will have time periods called "billing cycles". 
Each billing cycle is about one month in length. We will provide you a billing 
statement each month one is required by applicable law. Your billing statement 
will show an itemized list of current charges posted to your Account, your new 
balance, any Finance Charges, the minimum payment due, and the payment due 
date. In addition, it will show your current credit line, payments, and credits, a 

 
 
 
 
 
 
 
 
 
 
summary showing your Purchases and Cash Advances, the merchant, electronic 
terminal or financial institution at which transactions were made, as well as other 
information concerning your Account. 
4. E-Statements. If provided electronically, statements will be: (a) e-mailed to you 
as an attachment; or (b) you will be sent a notice via e-mail that will direct you to 
a site we maintain or cause to be maintained where you may access, review, print 
and otherwise copy/download your periodic statements using procedures that we 
authorize. E-mails from us will be sent to the e-mail address provided by you. 
Statements and notices will be mailed to you at the most recent address you have 
given the Credit Union. Notices sent to any one of you will be considered notice 
to all. 
5. Finance Charges. The term Finance Charge refers to the interest based on the 
application of a periodic rate. Separate Finance Charges for Purchases and Cash 
Advances are determined by multiplying the monthly periodic rate by the separate 
"average daily balances" for Purchases and Cash Advances. Each "average daily 
balance" is determined by taking the beginning balance (of Purchases or Cash 
Advances) of your Account each day, adding any new Purchases or Cash Advances 
(whichever is applicable) and subtracting any payments or credits. The results are 
the daily balances. We treat any net credit balance as a zero balance. This gives 
us the daily balance for each transaction type each day in the billing cycle. The 
total periodic interest charges for the billing cycle are the sum of the daily periodic 
interest charges for each transaction type for each day during that billing cycle. 
All the daily balances for the billing cycle are added and the total is divided by 
the number of days in the billing cycle to arrive at the "average daily balance" 
for the cycle. Cash Advances are always subject to Finance Charge from the date 
they are posted to your Account. If any periodic interest charge is due, we may 
charge you at least the minimum interest charge, plus any other finance charges 
(for example, transaction fees). If a grace period applies:
(a) Purchases. A Finance Charge will be imposed on Purchases posted during 
a  Billing  Cycle  when  the  Previous  Balance  is  not  paid  in  full  within  the  first 
twenty-five (25) days of the billing cycle. A Finance Charge will also be imposed 
on Purchases included in the New Balance when the New Balance is not paid in 
full within twenty-five (25) days after the billing cycle Closing Date. 
(b) Cash Advances. A Finance Charge will be imposed on Cash Advances from 
the date of the transaction to the date paid. The Finance Charge accrued on Cash 
Advances between the Closing Date of the billing cycle and the date your Account 
is credited will appear on your next statement. There is no time period within which 
to pay to avoid a Finance Charge.
6. Credit Line. We also call this a “credit limit”. We will assign a credit line to your 
Account. Your billing statement will show the amount of your credit line as of the 
date of the statement. If your Account goes overlimit, you must repay the overlimit 
amount when it is billed on your monthly billing statement, or sooner if we ask 
you to. We may, but are not obligated to, allow your Account to go over its credit 
line. We may change or cancel your credit line without telling you ahead of time. 
If we do, it will not excuse you from your obligation to pay us. We may restrict the 
extent to which your credit line can be used for different types of transactions (for 
example, Purchases, Balance Transfers, and/or Cash Advances) such as by limiting 
the dollar amount, uses per day, or time period available for any such transaction, 
and we may completely prohibit use of your credit line for particular types of 
transactions. Any increase in your credit line requested by you may require you 
to make a new application for our approval. In assessing your credit line under the 
provisions in this Section (either at our discretion or upon request): (a) we may, and 
you authorize us to, review your credit history, including consumer credit reports; 
(b) you authorize us to have this review made by third parties to determine whether 
you meet the criteria we have set for such an increase; and (c) this process shall 
not be pre-screening in the Fair Credit Reporting Act or other applicable laws or 
regulations based on our existing relationship and this Agreement.
7. Balance Transfers. In our discretion, we may allow you to transfer balances from 
other accounts or loans from other credit card companies, other lenders or other 
balance transfers we may allow, using balance transfer checks we may provide, or 
by calling us to make the transfer on your behalf. Those uses are "balance transfers". 
You are not authorized to transfer balances to this Account from other accounts or 
loans with us. If you request a balance transfer, but do not have enough available 
credit, we may transfer only a part of the requested amount.
8. Money Transfer  Services.  If  you  receive  any  transmittal  amount  from  any 
Money  Transfer  Service  (MTS)  provider  you  agree  not  to  receive  more  than 
$2,500 per day or more than $10,000 per month.  We may increase or decrease 

these  limits  from  time  to  time  in  our  sole  discretion.    We  reserve  the  right  to 
accept or reject any MTS request in our sole discretion.  Each transmittal amount 
that is sent to your Card will generally be posted to your Card within two (2) 
business days after we receive the transmittal amount from the Sender.
9. Types of Checks. In our discretion, we may issue you Balance Transfer checks 
or Cash Advance checks. We may also call them “convenience checks”. The check 
must be signed by the person whose name is printed on it. When we receive a 
convenience check for payment, we may review your Account to decide whether 
to pay that check. We have the right not to pay a check for any reason, including 
(but not limited to) the following examples: (a) we are the payee on the check; (b) 
the check is post-dated (if a post-dated check is paid, resulting in another check 
being returned or not paid, we are not responsible); (c) you have used the check 
after the date specified on it; or (d) you are in default (including exceeding your 
credit line) or would be if we paid the check. 
10. Promotions. We may make special offers for you to use your Account. If we 
do, we will tell you how those offers will work and how long they will last. Any 
special offer is subject to the terms of this Agreement, unless we explain otherwise 
in the offer.   
11. Additional Grace Period for Purchases. In addition to your existing Grace 
Period, we are adding a provision that provides for an additional interest-free period 
for portions of your Purchase balance, based on timely payments in a billing cycle 
in which you transition from having paid in full in the previous billing cycle to 
a billing cycle in which you do not pay in full. Those portions of your Purchase 
balance eligible for this Grace Period will be excluded from the balance subject 
to Finance Charge. 
12. Monthly Payment. Each month you must pay at least the minimum payment 
due on your billing statement by the due date specified. If you make extra payments 
or larger payments, you are still required to make at least the minimum payment 
each month your Account has a balance. In addition, at any time your Total New 
Balance  exceeds  your  credit  line,  you  must  immediately  pay  the  amount  over 
your credit line. We may increase the minimum payment due on promotional and/
or protected balances. The minimum payment due on these balances will not be 
greater than double the standard minimum payment percentage as indicated on 
the credit disclosure. The minimum payments for these balances will be calculated 
separately and added to the standard minimum payment calculation.
13. Payment Instructions. You agree to pay us amounts you owe in U.S. dollars. 
You must use a check, money order or electronic debit drawn on a U.S. bank or a 
foreign bank branch in the U.S. We will not accept cash payments through the mail. 
When we receive or apply a payment, we might not restore your available credit 
by that amount for up to five (5) days. For mailed payments, your billing statement 
and the envelope it comes in gives you instructions about how, when and where 
to make your payments. You must follow these instructions. Your payments will 
not be credited to your Account before we receive it at the address we specify for 
receipt of payments and in accordance with the payment instructions. If you make 
a payment marked as paid in full or indicate that it is to pay all amounts you owe 
us, we may accept this payment and not agree that it pays all amounts you owe 
on your Account. Also, we may return this payment to you and you will still owe 
us the amount of the payment or any other amounts owed on your Account. You 
authorize us to collect any payment check either electronically or by draft. Funds 
may be taken from your financial institution account on the same day we receive 
your payment. We will keep an electronic copy of your check and securely destroy 
the original check. We may allow you to make payments electronically through 
our Online Banking web site or with our Member Service Representatives, or by 
using our Autopay feature. We will provide the terms for these payment services 
before you use them.
14. Payment Allocation. Unless applicable laws specifically require otherwise, we 
credit payments as of the date received, if the payment is: (a) delivered by 5 p.m. 
Eastern Time (ET) at the address shown on the remittance slip on the front of your 
monthly statement; (b) paid with a check drawn in U.S. dollars on a U.S. financial 
institution or a U.S. dollar money order; (c) sent in the return envelope with only 
the remittance portion of your statement accompanying it; (d) made by electronic 
means through our Online Banking web site by 6 p.m. ET; or (e) made in person 
at a branch location by branch closing or 5 p.m. local time. Payments received 
after 5 p.m. on any day including the Payment Due Date, but that otherwise meet 
the above requirements, will be credited as of the next day. Credit for any other 
payments may be delayed. Payment amounts in excess of your Total Minimum 
Payment Due will be applied to balances with higher Annual Percentage Rates 

(APRs) before balances with lower APRs. Your Payment Due Date will be at least 
25 days from your statement Closing Date. We will not charge you any interest on 
Purchases if you pay your entire balance by the due date each month.  
15.  Skip Payment Option. In our discretion, we may offer you the opportunity 
to  not  make  (“Skip”)  a  minimum  payment  during  certain  designated  billing 
cycles (“Skip Payment Period”). If you do not make your minimum payment as 
provided in this Agreement, during such designated billing cycle, you understand 
that we will continue to apply Finance Charges to your Account. Beginning with 
the billing cycle following an allowed Skip Payment Period, all other provisions 
of this Agreement will apply. We have no obligation to accept your application 
for any Skip Payment Period offered, and you authorize us to investigate your 
creditworthiness including obtaining consumer credit reports. We may charge you 
a skip pay fee for each Skip Payment Period that we may offer to cover our cost 
of investigating your qualifications for this extension, including (but not limited 
to) the costs associated with researching your creditworthiness. The payoff table 
on your monthly statement for the skip payment month may reflect a negative 
amortization.   
16. General Terms Governing Your Payments. To protect you and us, the Credit 
Union, in its sole discretion, may place a temporary freeze on all or part of the credit 
available to you for new Purchases or Cash Advances, under this Agreement any 
time the Credit Union receives a large payment. In such cases, the Credit Union 
may freeze your credit limit until payment is actually collected by the Credit Union. 
17. Automatic Charges. You may allow others to automatically charge repeat 
transactions to your Account. You will be responsible for making new arrangements 
to make those payments if they are stopped for any reasons, such as: your Account 
is closed or suspended, or your Account number changes.
18. Default. Your Account may be in default if any of the following applies: (a) 
we do not receive at least the Minimum Payment by the date and time due as 
shown on your billing statement; (b) you exceed your credit line; (c) you fail to 
comply with the terms of this Agreement or any other agreement with us or one 
of our related companies; (d) we obtain information that causes us to believe that 
you may be unwilling or unable to pay your debts to us or to others on time; (e) 
you file for bankruptcy; or (f) you become incapacitated or die. If your Account 
is in default, we may close your Account without notice and require you to pay 
your unpaid balance immediately. To the extent permitted by law, if any legal 
action is required to enforce any provision of the Disclosure and Agreement or 
to recover money owed by you, you agree to pay all costs, including collection 
costs, attorney’s fees, court costs, and any other charges incurred while enforcing 
our rights under this Agreement.
19. Variable Rates. If you have an APR that varies with changes to the Prime Rate, 
we calculate the APR by adding a margin to the highest U.S. Prime Rate published 
in the "Money Rates" section of The Wall Street Journal. A "business day" is any 
day that is not a weekend or federal holiday. The APR will change if the Prime 
Rate changes. If the APR increases, you will pay a higher interest charge and may 
pay a higher Minimum Payment. The Prime Rate is simply a pricing index and is 
not the lowest interest rate available. If The Wall Street Journal stops publishing 
the Prime Rate, we will select a similar reference rate at our discretion.
20. Fees and Charges. Fees and charges that will be added are as shown in the 
“Credit Disclosure”.
(a) Annual Membership Fee. If your Account has an annual fee or similar charge, 
it will be billed each year or in installments whether or not you use your Account, 
and you agree to pay it when billed. The annual fee is non-refundable unless you 
notify us that you wish to close your Account within 30 days of our providing 
the statement on which the annual fee is billed, and at the same time, you pay 
your outstanding balance in full. Your payment of the annual fee does not affect 
our rights to close your Account and to limit your right to make transactions on 
your Account. If your Account is closed by you or us, we will continue to charge 
the annual fee until you pay your outstanding balance in full and terminate your 
Account relationship.
(b) Transactions in a Foreign Currency and “Cross-Border’ Transactions. 
Currency Conversion Fee: If you effect or authorize a transaction with your card 
in a currency other then U.S. Dollars, Visa® will convert the charge into a U.S. 
Dollar amount. The Visa® currency conversion procedure includes use of either a 
government-mandated exchange rate, or a wholesale exchange rate, as applicable. 
The exchange rate Visa® uses will be a rate in effect on the day the transaction is 
processed. This rate may differ from the rate in effect on the date of the purchase 
or the date the transaction was posted to your account. A Currency Conversion 

Fee will be applied to transactions that are converted from foreign currencies to 
U.S. Dollars. The Currency Conversion Fee, if it applies to the transaction, will 
be shown on your statement. 
Cross-Border Transaction  Fee:  In  addition, Visa® charges  us  a  Cross-Border 
Assessment on each transaction on all Cross-Border transactions regardless of 
whether there is a currency conversion. For purposes of this section, “Cross-Border 
Transaction” shall include both (a) transactions initiated in a foreign country which 
are subsequently settled in the United States, and (b) transactions initiated in the 
United States, but which are ultimately settled in a county outside of the United 
States. We will assess these fees to you to reimburse us for the fee we are required 
to  pay  for  each  of  your  transactions  subject  to  these  terms. The  Cross-Border 
transaction fee will be shown on your statement.
(c) Late Fee. We may charge a late fee if we do not receive at least the required 
Minimum Payment for any billing cycle by the date and time it is due. If the amount 
of the late fee is based on a balance, we will use the total Account balance at the 
end of the day that the late fee is charged to calculate the fee. This date may be as 
early as the due date for the late payment.
(d) Minimum Interest Charge. We may charge no less than the minimum interest 
charge if any periodic interest charge is due for a billing cycle.
(e) Overlimit Fee. If you agree to allow us to charge overlimit fees, we may charge 
such a fee to the extent allowed by law when your Account goes overlimit. We 
may charge this fee even though your balance is over the credit line because of a 
transaction we allowed. You have the right to withdraw your consent to our charging 
the overlimit fee at any time. If you do so, we will stop charging you the fee.
(f) Return Payment Fee. We may charge a return payment fee if your financial 
institution does not honor the payment you made to pay amounts you owe under this 
Agreement, if we stop payment on a cash advance check or balance transfer check 
at your request or we refuse to pay a cash advance check or balance transfer check.
(g) Additional/Replacement Card Fee. We may charge a fee if you request two 
or more cards or any special services (for example, obtaining cards on an expedited 
basis). Service fees may change from time to time. We will inform you of the fee 
in effect prior to when the applicable service is provided.
(h) Transaction Fees for Balance Transfers and Cash Advances. We may charge 
you transaction fees for Balance Transfers and Cash Advances. These transactions 
fees are Finance Charges and are added to the balance for the applicable category 
of Balance Transfers or Cash Advances as of the date of that transactions.
(i) Copies of Documents. We may charge a fee if you request a copy of a billing 
statement, sales draft or other record of your Account. However, we will not charge 
fees for copies of documents requested for a billing dispute..
21.  Illegal  Transactions.  You  warrant  and  agree  that  your  Credit  Card,  other 
access device or any related account will not be used to make or facilitate any 
illegal  transaction(s)  as  determined  by  applicable  law,  and  that  any  such  use, 
including any such authorized use, will constitute an event of default under this 
Agreement. Certain federal and/or state laws or Visa® Association Rules may limit 
or prohibit certain transactions such as (but not limited to) those coded as possible 
gambling transactions. We may decline to accept, process or pay any transaction 
that we believe to be illegal or unenforceable (regarding your obligation to pay us 
or otherwise) under applicable law, or which is otherwise limited or prohibited, 
including (but not limited to) any transaction involving or relating to any gambling 
activity.  Such  limitations  or  prohibitions  may  affect  some  otherwise  proper  or 
allowable transactions such as charges incurred at a hotel-casino. You understand 
and agree such limitations/prohibitions are not within our control and that we will 
not have any liability, responsibility or culpability whatsoever for any such use by 
you or any authorized user(s), or for declining to accept, process, or pay any such 
transaction. You further agree to indemnify and hold us harmless from any suits, 
liability, damages or adverse action of any kind that results directly or indirectly 
from any such use of your Account and/or access devices. 
22. Returns and Adjustments. Merchants and others who honor the Card may 
give credit for returns or adjustments, and they will do so by sending us a credit 
which will be posted to your Account. If your credits and payments exceed what you 
owe us, the amount will be applied against future Purchases and Cash Advances. 
A credit balance does not increase your available credit. If the amount is $1.00 or 
more, it will be refunded upon your request or automatically no later than six (6) 
months after the posting date. 
23. Merchant Disputes. We are not responsible for the refusal of any merchant 
or financial institution to honor the Card. The Credit Union is subject to claims 
and defenses (other than tort claims) arising out of goods or services you Purchase