CREDIT CARD ACCOUNT AGREEMENT 
AND FEDERAL DISCLOSURE STATEMENT 

5175 Parkstone Drive, Suite 200 
Chantilly, Virginia 20151  
(703) 480-5300  (800) 550-5328 

THIS IS YOUR CREDIT CARD AGREEMENT AND DISCLOSURE CONTAINING NECESSARY FEDERAL TRUTH-
IN-LENDING  DISCLOSURE  STATEMENTS,  AND  ANY  SPECIAL  INSTRUCTIONS  REGARDING  THE  USE  OF 
YOUR  VISA  SIGNATURE  CREDIT  CARD.  PLEASE  BE  SURE  TO  READ  THIS  AGREEMENT  CAREFULLY  AND 
NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR. 

In this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean the JUSTICE Federal Credit Union. The words "You" and "Your" mean each person 
who accepts this Agreement or uses the VISA Signature Credit Card. "Account" means the VISA Signature Credit Card Account established for You. The words 
“Credit  Card”  or  “Card”  mean  any  VISA  Signature  Credit  Card  issued  to  You  by  Us  and  any  duplicates  and  renewals.  If  this  is  a  joint  account,  read  singular 
pronouns in the plural. 

You understand the following terms constitute the Agreement: 

PROMISE  TO  PAY.  Your  Account may  be  accessible through  a  variety  of means  which could  include  advance  request forms,  vouchers, checks,  charge slips, 
Credit Cards and the like. Regardless of the access means, You promise to pay Us all amounts charged to Your Account by You or by any user who has access to 
Your Account, with actual, apparent or implied authority for use of Your Account, including Finance Charges and other fees or charges described herein. 

JOINT  ACCOUNTS.  Each  Cardholder  will  be  responsible,  jointly  and  severally,  for  the  repayment  of  amounts  owed.  You  understand  that  any  Card  which  is 
requested and approved, will be mailed only to the primary Cardholder at the address that We have on file for You. We may refuse to follow any instructions which 
run counter to this provision. 

OWNERSHIP. All access devices remain Our property and may be cancelled by Us at any time without notice. You agree to surrender any such access device 
and to discontinue its use immediately upon Our request. 

USE OF YOUR CARD. You may use Your Card to buy goods and services in any place that it is honored and to get cash advances from Us or another financial 
institution. If You are issued a cash advance draft, it will be imprinted with Your Card and You will receive a copy of the draft. You agree not to use Your Card for 
illegal transactions including, but not limited to, advances made for the purpose of gambling and/or wagering where such practices are in violation of applicable 
state and/or federal law. 

ISSUANCE  OF  PERSONAL  IDENTIFICATION  NUMBER.  We  will  issue  You  a  Personal  Identification  Number  (PIN)  for  use  with  Your  Card.  This  PIN  is 
confidential and should not be disclosed to anyone. You may use Your PIN and Your Card to access Your Account and all sums advanced will be added to Your 
balance. In the event a use of Your PIN constitutes an Electronic Fund Transfer, the terms and conditions of Your Electronic Fund Transfer Agreement may affect 
Your rights. 

LINE OF CREDIT LIMIT. If Your application for a Card is approved, You will be notified of Your specific Credit Limit for transactions made under Your Account. 
Unless  You  are  in  default,  the  Credit  Limit  established  for  You  will  be  self  replenishing  as  You  make  payments  on  Your  Account.  You  will  keep  Your  unpaid 
balance  within  the  Credit  Limit set  by  Us,  and  You  will  pay  any  amount  over  the  Credit  Limit  on  Our  demand  whether  or  not We  authorize  the  advance  which 
caused You to exceed Your Credit Limit. Even if Your unpaid balance is less than Your Credit Limit, You will have no credit available during any time that any 
aspect of Your Account is in default. 

VARIABLE RATE. All advances are subject to a Variable Rate which is based on the highest Prime Rate as published in the Money Rates section  of The Wall 
Street Journal in effect on the last business day of each month ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the 
Index  will  cause changes  in  the  Interest  Rate  on the  1st  day  of  the  billing cycle that  immediately follows  a  change  in the  Index.  Increases  or  decreases  in the 
Interest Rate will cause like increases or decreases in the Finance Charge and will affect the number of Your regularly scheduled payments. Your Interest Rate will 
never be greater than 18.00%, and will apply to Your remaining principal balance. 

FINANCE CHARGES. In the case of any transactions on Your Account, the balances subject to the periodic Finance Charge are the average daily transactions 
balances outstanding during the month (including new transactions). Separate average daily balances are calculated for purchases, balance transfers and cash 
advances. To get each average daily balance, each daily balance for each day of the billing cycle for purchases, balance transfers and for cash advances are 
added and the totals are divided by the number of days in the billing cycle. To get the daily balance for cash advances, new cash advances are added to the day's 
beginning  balance  and  payments  and  credits  are  subtracted.  To  get  the  daily  balance  for  balance  transfers,  new  balance  transfers  are  added  to  the  day's 
beginning balance and payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to the day's beginning balance and 
payments and credits are subtracted. This gives Us the daily balance. We then add up all the daily balances for the billing cycle and divide the total by the number 
of  days in the  billing  cycle.  This gives  Us  the  Average  Daily  Balance. We  then multiply the  Average  Daily  Balances  for  purchases, balance  transfers  and cash 
advances by the applicable Daily Periodic Rate times the number of days in the billing cycle. 

You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month within a grace period which varies between 23 
and  26  days  from  Your  statement  closing  date  depending  on  the  number  of  days  in  the  month.  Otherwise,  the  new  balance  of  purchases,  and  subsequent 
purchases  from  the  date they  are  posted  to  Your Account,  will  be subject to  a Finance  Charge.  Cash  advances  and  balance transfers  are  always  subject  to a 
Finance Charge from the date they are posted to Your Account and until such advances are paid in full. 

For the current Margins, Index, Daily Periodic Rates (and corresponding Annual Percentage Rates), refer to the separate document titled "Additional 
Disclosure - Federal Truth-In-Lending Act" which has been provided to you prior to the time of Your first credit advance. 

MINIMUM MONTHLY PAYMENT. Though You need only pay the Minimum Monthly Payments, You understand that You have the right to repay Your Account or 
make larger payments at any time without  penalty. You will only be charged periodic Finance Charges to the date You repay Your entire Account balance. Any 
partial payment or prepayment of Your Account will not delay Your next scheduled payment. All payments to Us must be in lawful money of the United States. 

Payments will be applied in the following order: (a) any Late Charges due; (b) any Finance Charges due; (c) the balance for purchases; (d) the balance for balance 
transfers; and then to (e) the balance for cash advances. Any amounts paid in excess of the Minimum Monthly Payment will first be applied to the balance bearing 
the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is depleted. 

Any unpaid portion of any Finance Charges and Late Charges will be paid by subsequent payments and will not be added to the principal. You understand that 
any payment that delays the repayment of Your unpaid balance will increase Your Finance Charge and any payment that accelerates the reduction of Your unpaid 
balance will decrease Your Finance Charges. 

Copyright Oak Tree Business Systems, Inc., 2017. All Rights Reserved. 

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                                       OTBS 016CC_Signature FRB_WEB JUST (11/17) 
Rev. (/17) 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Minimum Monthly Payments will be an amount equal to 2.00% of Your unpaid balance, subject to the lesser of $30.00 or Your balance. In addition to the Minimum 
Monthly Payment, You will also be required to pay any portion of any prior payments due which remain unpaid. 

CONSENSUAL LIEN. As permitted by law, You grant and consent to a lien on Your shares or other deposit accounts with Us (other than those deposits 
established under a governmental-approved tax deferral plan such as an IRA or Keogh account) and any dividends due or to become due to You from 
Us to the extent You owe on any unpaid Credit Card balance. 

OTHER SECURITY. Personal property (other than household goods or any dwelling) given as Security for any loan You may have with Us will secure all amounts 
You owe Us now and in the future. 

PERIODIC STATEMENT. On a regular basis, You will receive a statement showing all transactions on Your Account including amounts paid and borrowed since 
Your last statement. We will mail You a statement each billing cycle in which there is a debit or credit balance or when a Finance Charge is imposed. We need not 
send You a statement if We feel Your Account is uncollectible or if We have started collection proceedings against You because You defaulted. Each statement is 
deemed to be a correct statement of account unless You establish a billing error pursuant to the Federal Truth-In-Lending Act. 

TRANSACTION SLIPS. Your periodic statement will identify the merchant, electronic terminal or financial institution at which transactions were made, but sales, 
cash advance, credit or other slips will not be returned with the statement. You will retain the copy of such slips furnished at the time of the transaction in order to 
verify Your monthly statement. 

CREDITS. If a merchant who honors Your Card gives You credit for returns or adjustments, the merchant will do so by sending Us a slip  which will be posted to 
Your Account. If Your credits and payments exceed  what You owe Us, We will hold and apply this credit against future purchases and cash advances, or if it is 
$1.00 or more, refund it on Your written request or automatically deposit it to Your Share Account after six months. 

LATE CHARGE. If Your payment is more than 10 days late, You will be charged the lesser of: (a) the amount of the minimum payment due; or (b) $27.00. 

OTHER FEES AND CHARGES. You agree to pay Us the following fees and charges associated with the use of Your Card which will be charged to Your Account 
as purchases: (a) the lesser of $27.00 or the required minimum payment amount for any check (or other negotiable instrument used for payment on Your Account) 
that  is  returned  unpaid;  (b)  $1.00  per  page  for  statement  copies  and  $5.00  per  copy  for  sales  drafts  that  You  request that  are  unrelated  to  a  valid  billing  error 
dispute; (c) $25.00 per hour for research on Your Account that You request that is unrelated to a valid billing error dispute, subject to a $25.00 minimum charge; 
(d) $10.00 for each replacement Card that You request; and (e) a cash advance fee FINANCE CHARGE equal to the greater of 2.00% of the amount advanced or 
$10.00, subject to a maximum of $50.00. 

DEFAULT. You will be in default if: (a) You do not make any payment or perform any obligation under this Agreement, or any other agreement that You may have 
with Us; or (b) You should die, become involved in any insolvency, receivership or custodial proceeding brought by or against You; or (c) You have made a false or 
misleading statement in Your credit application and/or in Your representations to Us while You owe money on Your Account; or (d) A judgment or tax lien should 
be filed against You or any attachment or garnishment should be issued against any of Your property or rights, specifically including anyone starting an action or 
proceeding to seize any of Your funds on deposit with Us; and/or (e) We should, in good faith, believe Your ability to repay  Your indebtedness hereunder is or 
soon will be impaired, time being of the very essence. 

If  You  are  in  default,  We  may,  without  notice  or  demand,  and  to  extent  permitted  by  law,  cancel  Your  rights  under  this  Agreement,  declare  the  entire  unpaid 
balance immediately due and payable and require the return of all Cards and other Account Access devices. 

COLLECTION COSTS. To the extent permitted by law, You will reimburse Us for all of Our costs and expenses, including reasonable attorneys’ fees incurred in 
the course of collecting any amounts owed under this Agreement or for the recovery of any collateral. 

CREDIT  INSURANCE.  Credit  insurance  is  not  required  for  any  extension  of  credit  under  this  Agreement.  However,  You  may  purchase  any  credit  insurance 
available through Us and have the premiums added to the outstanding balance of Your Account. If You elect to do so, You will be given the necessary disclosures 
and documents separately. Any credit insurance premiums will be charged to Your Account as a purchase. 

ENFORCEMENT. We do not lose Our rights under this or any related agreement if We delay enforcing them. We can accept late payments, partial payments, or 
any other payments, even if they are marked “paid in full” without losing any of Our rights under this Agreement. If any provision of this or any related agreement is 
determined to be unenforceable or invalid, all other provisions remain in full force and effect. 

UNAUTHORIZED USE. You may be liable for the unauthorized use of Your Account. You will not be liable for the unauthorized use that occurs after You notify Us 
of the loss, theft, or possible unauthorized use by calling Us at (866) 820-4866 or by  writing to Us at the address shown in this Agreement. In any case, Your 
liability will not exceed $50.00. 

NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly, in writing, if You move or otherwise have a change of address. 

CHANGE IN  TERMS. We may change the terms of this Agreement by mailing or delivering to You written notice of the changes as prescribed by the  Federal 
Truth-In-Lending Act. To the extent permitted by law, the right to change the terms of this Agreement includes, but is not limited to, the right to change the periodic 
rate applicable to Your unpaid balance and/or future advances. 

REFUSAL  TO  HONOR  CARDS.  We  are  not  liable  for  the  refusal  or  inability  of  merchants,  financial  institutions  and  others  to  accept  the  Cards,  or  electronic 
terminals to honor the Cards or complete a Card withdrawal, or for their retention of the Cards. 

LOST OR STOLEN CARDS  AND/OR  ACCOUNT NUMBERS. To report a lost or stolen Card, or Account Number at any time, You will immediately call Us at 
(866) 820-4866. You may also write to Us at 5175 Parkstone Drive, Suite 200, Chantilly, VA 20151. 

FOREIGN TRANSACTIONS. For transactions initiated in foreign countries and foreign currencies, 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  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.  

EFFECT  OF  AGREEMENT.  Even  though  the  sales,  cash  advance,  credit  or  other  slips  You  may  sign  or  receive  when  using  the  Card  contain  terms,  this 
Agreement is the contract which solely applies to all transactions involving Your Account. 

CONSENT TO AGREEMENT. You acknowledge receipt of a copy of this Agreement. By signing the Application and Your Credit Card, by using the Card, by using 
Your Account or by authorizing another to use Your Account, You agree to accept its terms. 

Copyright Oak Tree Business Systems, Inc., 2017. All Rights Reserved. 

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                                       OTBS 016CC_Signature FRB_WEB JUST (11/17) 
Rev. (/17) 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
INTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional Disclosure - Federal Truth-In-Lending Act" which is delivered to You and relates to 
this Agreement is an integrated part of this Agreement and Disclosure. 

UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts to update personal information or other financial information related to You, at 
Our request. You also agree that We may, from time to time, as We deem necessary, make inquiries pertaining to Your employment, credit standing and financial 
responsibility in accordance with applicable laws and regulations. You further agree that We may give information about the status and payment history of Your 
Account to consumer credit reporting agencies, a prospective employer or insurer, or a state or federal licensing agency having any apparent legitimate business 
need for such information. 

TERMINATION. Subject to applicable law, either You or We may cancel Your Account at any time whether or not You are in default. You will, in any case, remain 
liable to pay any unpaid balances according to the terms of this Agreement. 

GOVERNING LAW. This Agreement is controlled and governed by the laws of the Commonwealth of Virginia except to the extent that such laws are inconsistent 
with controlling federal law. 

This notice tells You about Your rights and Our responsibilities under the Fair Credit Billing Act. 

Your Billing Rights: Keep this Document for Future Use 

What To Do If You Find A Mistake On Your Statement 

If You think there is an error on Your statement, write to Us at Our address shown in this Agreement. 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. 

When We receive Your letter, We must do two things: 

What Will Happen After We Receive Your Letter 

  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. 
  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: 

The charge in question may remain on Your statement, and We may continue to charge You interest on that amount. 

  We cannot try to collect the amount in question, or report You as delinquent on that amount. 
 
  While You do not have to pay the amount in question, You are responsible for the remainder of Your balance. 
  We can apply any unpaid amount against Your Credit Limit. 

After We finish Our investigation, one of two things will happen: 

 
 

If We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. 
If We do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send You a statement 
of the amount You owe and the date payment is due. We may then report You as delinquent if You do not pay the amount We think You owe. 

If You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You still refuse to pay. If You do so, We cannot 
report You as delinquent without also reporting that You are questioning Your bill. We must tell You the name of anyone to whom we reported You as delinquent, 
and We must let those organizations know when the matter has been settled between Us. If We do not follow all of the rules above, You do not have to pay the 
first $50.00 of the amount You question even if Your bill is correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases 

If You are dissatisfied with the goods or services that You have purchased with Your Credit Card, and You have tried in good faith to correct the  problem with the 
merchant, You may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 

1)  The purchase must have been made in Your home state or within 100 miles of Your current mailing address, and the purchase price must have been more 
than $50.00. (Note: Neither of these are necessary if Your purchase was based on an advertisement We mailed to You, or if We own the company that sold 
You the goods or services.) 

2)  You must have used Your Credit Card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses Your Credit Card 

account do not qualify. 

3)  You must not yet have fully paid for the purchase. 

If all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing at Our address shown in this Agreement. 

While We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation, We will tell You Our decision. At that 
point, if We think You owe an amount and You do not pay, We may report You as delinquent. 

Copyright Oak Tree Business Systems, Inc., 2017. All Rights Reserved. 

Page 3 of 3               

                                       OTBS 016CC_Signature FRB_WEB JUST (11/17) 
Rev. (/17) 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
5175 Parkstone Drive, Suite 200 
Chantilly, Virginia 20151  
(703) 480-5300  (800) 550-5328 

PRICING INFORMATION ADDENDUM –  
CREDIT CARD ACCOUNT AGREEMENT 
AND FEDERAL DISCLOSURE STATEMENT 

THIS IS YOUR ADDENDUM THAT CONTAINS PRICING INFORMATION FOR YOUR VISA SIGNATURE CREDIT CARD 
AGREEMENT AND DISCLOSURE. PLEASE BE SURE TO READ THIS ADDENDUM CAREFULLY AND NOTIFY US AT 
ONCE IF ANY PARTS ARE UNCLEAR. 

Interest Rate and Interest Charges 

Annual Percentage Rate (APR) 
For Purchases 

_______% - _______% based on Your creditworthiness at the time You open 
Your Account. 

This APR can vary with the market based on the Prime Rate. 

Annual Percentage Rate (APR) 
For Balance Transfers 

_______%  -  _______%  based  on  Your  creditworthiness  at  the  time  You  open  Your 
Account. 

This APR can vary with the market based on the Prime Rate. 

Annual Percentage Rate (APR) 
For Cash Advances 

_______%  -  _______%  based  on  Your  creditworthiness  at  the  time  You  open  Your 
Account. 

This APR can vary with the market based on the Prime Rate. 

Fees 

Transaction Fees 

  Cash Advance 

2.00% of the advance ($10.00 minimum - $50.00 maximum) 

Penalty Fees 

  Late Payment 
  Returned Payment 

Up to $27.00  
Up to $27.00 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases).” See Your 
Account Agreement for details. 

Billing Rights:  Information on  your rights to dispute transactions and how to exercise those rights is  provided  in  Your Account 
Agreement.  

FINANCE  CHARGES.  In  the  case  of  any  transactions  on  Your  Account,  the  balances  subject  to  the  periodic  Finance  Charge  are  the  average  daily  transactions 
balances  outstanding  during  the  month  (including  new  transactions).  Separate  average  daily  balances  are  calculated  for  purchases,  balance  transfers  and  cash 
advances. To get each average daily balance, each daily balance for each day of the billing cycle for purchases, balance transfers and for cash advances are added 
and the totals are divided by the number of days in the billing cycle. To get the daily balance for cash advances, new cash advances are added to the day's beginning 
balance and payments and credits are subtracted. To get the daily balance for balance transfers, new balance transfers are added to the day's beginning balance and 
payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to the day's beginning balance and payments and credits are 
subtracted. This gives Us the daily balance. We then add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This 
gives Us the Average Daily Balance. We then multiply the Average Daily Balances for purchases, balance transfers and cash advances by the applicable Daily Periodic 
Rate times the number of days in the billing cycle. 

You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month within a grace period which varies between 23 and 26 
days from Your statement closing date depending on the number of days in the month. Otherwise, the new balance of purchases, and subsequent purchases from the 
date they are posted to Your Account, will be subject to a Finance Charge. Cash advances and balance transfers are always subject to a Finance Charge from the date 
they are posted to Your Account and until such advances are paid in full. 

The Daily Periodic Rate that will apply to the VISA Signature Credit Card is ____________% - ____________% (corresponding ANNUAL PERCENTAGE RATE 
of ________% - ________%) based on Your creditworthiness at the time You open Your Account. 

Copyright Oak Tree Business Systems, Inc., 2017. All Rights Reserved. 

Page 1 of 1            

                 OTBS 016CCA_Signature FRB_WEB JUST (11/17) 
Rev. (11/17)