FirstCard 
                                                               Member Rewards 
                      Visa�     Visa� Platinum  Choice Mastercard� 
                                                               Mastercard� 
                      Platinum  
                            Interest Rates and Interest Charges 
                                7.99% to        7.99% to       8.99% to 
                                18.00% when you  18.00% when you  18.00% when you 
        Annual Percentage       open your account,  open your account,  open your account, 
        Rate                    based on your   based on your  based on your 
                      12.90% 
        (APR) for               creditworthiness.  creditworthiness.  creditworthiness. 
        Purchases               After this, your APR  After this, your APR  After this, your APR 
                                will vary with the  will vary with the  will vary with the 
                                market based on the  market based on the  market based on the 
                                Prime Rate.     Prime Rate.    Prime Rate. 
                                7.99% to        7.99% to       8.99% to 
                                18.00% based on  18.00% based on  18.00% based on 
        APR for Balance 
                      12.90%    your creditworthiness.  your creditworthiness.  your creditworthiness. 
        Transfers 
                                This APR will vary with  This APR will vary with  This APR will vary with 
                                the market based on  the market based on  the market based on 
                                the Prime Rate.  the Prime Rate.  the Prime Rate. 
                                7.99% to 18.00%  7.99% to 18.00%  8.99% to 18.00% 
                                when you open your  when you open your  when you open your 
                                account, based on  account, based on  account, based on 
        APR for Cash            your creditworthiness.  your creditworthiness.  your creditworthiness. 
                      12.90% 
        Advances                After this, your APR  After this, your APR  After this, your APR 
                                will vary with the  will vary with the  will vary with the 
                                market based on the  market based on the  market based on the 
                                Prime Rate.     Prime Rate.    Prime Rate. 
        Penalty APR and 
                      None      None            None           None 
        When it Applies 
        Minimum Interest 
                      None      None            None           None 
        Charge 
        How to Avoid  Your due date is at least 25 days after the close of each billing cycle. We will not charge 
        Paying Interest on  you any interest on purchases if you pay your entire balance by the due date each month 
        Purchases 
        For Credit Card  To learn more about factors to consider when applying for or using a credit card, visit the 
        Tips from the  website of the Consumer Financial Protection Bureau at 
        Consumer Financial  http://www.consumerfinance.gov/learnmore 
        Protection Bureau 
        Fees   
        Annual Fee    None      None            None            None 
        Transactions Fees                                        
        � Balance Transfer  None  None          None            None 
         � Cash Advance  None   None            None            None 
         � Foreign    Up to 1% of  Up to 1% of  Up to 1% of     Up to 1% of 
          Transaction  transaction  transaction amount  transaction amount  transaction amount 
                      amount 
        Penalty Fees                                             
        � Late Payment  Up to $35  Up to $35    Up to $35       Up to $35 
         � Returned   Up to $35  Up to $35      Up to $35       Up to $35 
          Payment                                                
        � Over-the-Credit  None  None           None            None 
          Limit 
        How We Will Calculate Your Balance: We use a method called �average daily balance� (including new 
        purchases).  
        The information on this disclosure is current as of April 1, 2017 and is subject to change. To determine if any 
         changes have occurred since this date call 844-709-8900. 
 15. Consent To Recover Delinquent Payments From Accounts. 22. Lost Or Stolen Cards. You agree to notify us immediately if your Card is  mistake, you will not have to pay the amount in question or any interest or 
 a.  In consideration for and as a condition of the Credit Union issuing  ever lost or stolen or if unauthorized use may occur. You agree to assist us in  other fees related to that amount.
 a Card(s) to you, you agree that if you fail to make your required  determining the facts, circumstances, and other pertinent information relating to  � While you do not have to pay the amount in question, you are responsible for 
 payments the Credit Union can take any monies on deposit at the  any loss, theft, or possible unauthorized use of your Card(s) and to comply with  the remainder of your balance.
  Credit Card Agreement
 Credit Union in which you have an interest to recover all or part of your  such procedures as we may require in connection with our investigation. We will  � We can apply any unpaid amount against your credit limit.
 delinquent debt without advance notice to you and without waiving  send you a new Card with a new account number to replace the Card that was 
 other rights we have to collect what you owe. This consent is not a  lost or stolen. Although you will be issued a new account number, you will not  26. Your Rights If You Are Dissatis? ed With Your Credit Card Purchases.
 pledge of any shares and will not affect your right to withdraw shares  be considered to have opened a new account, and any existing balance will be  If you are dissatis? ed with the goods or services that you have purchased with  and
 prior to our exercise of our rights following your payment default. This  transferred to the replacement account. your Card, and you have tried in good faith to correct the problem with the 
 consent applies to all funds you voluntarily deposit to Credit Union  merchant, you may have the right not to pay the remaining amount due on the 
 accounts, including funds such as Social Security direct deposit that  23. Foreign Transactions. Purchases and cash advances made with Visa  purchase. Disclosure Statement
 are normally exempt from creditors� remedies (this does not include  and Mastercard outside of the United States and its territories may incur an  To use this right, all of the following must be true:
 your Individual Retirement, KEOGH or SEPP account). You understand  international transaction fee. This fee, which is up to one percentage point (1%)  1.  The purchase must have been made in your home state or within 100 miles of 
 that we will never require you to deposit exempt funds to Credit Union  of the transaction amount, is assessed by Visa and Mastercard. The Credit Union, as  your current mailing address, and the purchase price must have been more than 
 accounts. Card issuer, does not assess an additional international transaction fee.  $50. (Note: Neither of these are necessary if your purchase was based on an 
 b.   For Cards secured by Shares, an amount equal to 100% of your credit limit is  Visa. If you engage in a transaction in a currency other than U.S. dollars using a  advertisement we mailed to you, or if we own the company that sold you the 
 held in your Regular Savings Account as collateral for your credit. If you give  Visa Card, Visa International will convert the charge into a U.S. dollar amount. The  goods or services.)
 the Credit Union a speci? c pledge of shares by signing a separate pledge of  exchange rate between the transaction currency and the billing currency used for  2.  You must have used your Card for the purchase. Purchases made with cash 
 shares, your pledged shares will secure your Account. You may not withdraw  processing international transactions is either (a) a rate selected by Visa from the  advances from an ATM or with a check that accesses your Card account do not 
 amounts that have been speci? cally pledged to secure your Account until  range of rates available in wholesale currency markets for the applicable central  qualify.
 the Credit Union agrees to release all or part of the pledged amount. If you  processing date, which rate may vary from the rate Visa itself receives, or (b) the  3.  You must not yet have fully paid for the purchase.
 default in your payments under this Agreement, we have the right to apply  government mandated rate in effect for the applicable central processing date.  If all of the criteria above are met and you are still dissatis? ed with the purchase, 
 the amount speci? cally pledged to pay off this account in full or in part. The currency conversion rate for the processing date may differ from the rate in  contact us in writing at:
 c.   The security interests in this section apply even if your Card(s) is otherwise  effect on the date of the transaction or the date the transaction is posted to your  Northwest Federal Credit Union
 designated �secured� or �unsecured.� billing statement.  ATTN: Card Services Department
 Mastercard. If you effect a transaction with your Mastercard Card in a currency  P.O. Box 1229
 16. Attorneys� Fees. You agree to pay all costs incurred by us in collecting your  other than U.S. dollars, Mastercard International Incorporated (�Mastercard�)  Herndon, VA 20172-1229
 indebtedness or in enforcing this agreement including attorney�s fees and  will convert the charge into U.S. dollars using its currency conversion procedure.  While we investigate, the same rules apply to the disputed amount as discussed 
 costs, as well as those costs, expenses and attorney�s fees incurred in appellate,  Currently, the currency conversion rate used by Mastercard for such transactions  above. After we ? nish our investigation, we will tell you our decision. At that 
 bankruptcy and post-judgment proceedings, except to the extent such costs,  is generally either a government mandated rate or a wholesale rate determined  point, if we think you owe an amount and you do not pay we may report you as 
 fees or expenses are prohibited by law. by Mastercard for the processing cycle in which the transaction is processed. The  delinquent.
 currency conversion rate used by Mastercard for processing date may differ from 
 17. Returns and Adjustments. Merchants and others who honor the Card may  the rate in effect on the date of the transaction or the date the transaction is  27. Change Of Name, Address, Or Telephone Number(s). You are responsible
 give credit for returns or adjustments, and they will do so by sending us a credit  posted to your billing statement. for promptly notifying us of a change in your name, address (including the e-mail 
 slip, which we will post to your account. If your credits and payments exceed  address(es) you use for online banking with us and any other e-mail address(es) at 
 what you owe us, we will hold and apply this credit balance against future  24. Effect of Agreement and Amendments. This Agreement governs all  which you agree to be contacted), or telephone number(s)(including any wireless 
 purchases and cash advances, or if it is $1.00 or more, refund it on your written  transactions on your account even though the sales, cash advance, credit, or  telephone number(s)).
 request or automatically after 6 months. other slips you sign or receive may contain different terms. We may amend or 
 change this Agreement, including rates, at any time. If we do so, we will notify  28. Inactivity. Cards unused and or idle for twelve (12) months or more with a 
 18. Plan Merchant Disputes. We are not liable for the refusal of any plan  you in writing in accordance with the applicable law. However, we may reduce  zero (0) balance will automatically be closed. Should that occur an application and 
 merchant or ? nancial institution to honor your Card. charges, fees and rates without sending you an advance notice. Except as limited  credit approval would be required to establish a new Card account.
 by applicable law, any amendment will apply to all then outstanding unpaid 
 19. Additional Bene? ts/Card Enhancements. The Credit Union may from  indebtedness arising from the use of your Card prior to the effective date of the 
 time to time offer additional services to your Account, such as travel accident  amendment. Any such amendment will not require your written consent, but your 
 insurance, discontinue any credit service, or replace your Card with another  consent (if required by applicable law) may be evidenced by your use of the Card 
 Card at no additional cost to you. You understand that the Credit Union is not  after we give you notice of the amendment.
 obligated to offer such services and may withdraw or change them at any time.
 25. What To Do If You Think You Find A Mistake On Your Statement. If you 
 20. Use of Card for Illegal or Risky Transactions. You agree that you will not  think there is an error on your statement, write to us at:
 use or allow others to use your Card(s) for illegal transactions such as illegal online  Northwest Federal Credit Union
 gambling. The Credit Union may refuse to honor any transaction we reasonably  ATTN: Card Services Department
 believe to be illegal. However, ultimate responsibility for determining the legality of  P.O. Box 1229
 transactions for which your Card is used rests with you, not with the Credit Union.  Herndon, VA 20172-1229
 You agree to hold us harmless for any damages or other liability arising from a  In your letter, give us the following information:
 transaction initiated by you or your authorized user for the purpose of conducting  �  Account information: Your name and account number.
 an illegal activity, including but not limited to, internet gambling or interstate  �  Dollar amount: The dollar amount of the suspected error.
 sports betting. We reserve the right to decline authorization of transactions for  �  Description of Problem: If you think there is an error on your bill, describe what 
 activities we believe may violate law or pose signi? cant risk to our members or us.  you believe is wrong and why you believe it is a mistake.
 You cannot use the actual or alleged illegality of a transaction for which authorized  You must contact us within 60 days after the error appeared on your statement.
 use of your account was made as a defense to your obligation to pay. 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
 21. Liability for Unauthorized Use. If you believe that your Card may have  may have to pay the amount in question.
 been lost or stolen or that your account number may have been used without  While we investigate whether or not there has been an error, the following
 your authorization you must notify us immediately at: 1-800-336-3384 or via our  are true:
 website, or by writing to: Northwest Federal Credit Union, Attention: Card Services  � We cannot try to collect the amount in question, or report you as delinquent  All information about the VISA and Mastercard Cards described in this
 Department, P.O. Box 1229, Herndon, Virginia 20172-1229. You may be liable for  on that amount. disclosure is current as of 6/1/2017. Subject to change.
 the unauthorized use of your Card depending on the circumstances.  Mastercard  � The charge in question may remain on your statement, and we may continue 
 Cardholders: Depending on the circumstances, you may qualify for zero liability  to charge you interest on that amount. But, if we determine that we made a  GAM (6/1/2017) 3M
 under the Mastercard zero liability program.  Your Lifetime Financial Partner
  In this Agreement the words �you� and �your� mean each and all of those signing,  the transaction without increasing your total credit limit and treat that amount  annually. The Annual Percentage Rate will not be higher than 18.00%, regardless  9. Savings Account Required. All applicants and co-applicants on a credit card 
  using or having a credit Card account with Northwest Federal Credit Union,  as immediately due, or (3) deny authorization. If the authorization is denied we  of the index rate. account must have an open savings account that carries a share par balance. You 
  referred to as �we� and �us� or �Credit Union�. The �Card� means any credit Card  may notify the person who attempted the transaction that it has been refused. If  VISA Platinum Periodic Rate for accounts opened before 1/6/2010: To  must continue to be a member of the Credit Union and comply with the basic 
  issued to you or those designated by you under the terms of this Agreement. �Use  we authorize a transaction that causes your account to exceed its credit limit, it  determine the Periodic Rate, we take the �Index Rate,� as de? ned below, add 3.75  account requirements to maintain eligibility for this Account. You may close your 
  of the Card� means any procedures used by you, or someone authorized by you, to  does not mean that we will do so again in the future. In addition, we reserve the  percentage points and divide that number by 12 to arrive at the periodic rate.  Account at any time by notifying us in writing and returning all Cards cut in half.
  make a purchase or obtain a cash advance whether or not the purchase or advance  right to deny transactions or authorizations from merchants apparently engaging  For example, if the index rate were 10.0%, the Periodic Rate for that billing cycle 
  is evidenced by a signed written document. Virginia law will be used to interpret  in the Internet gambling business or identifying themselves through the Card  would be 1.1458% (10.0% plus 3.75% divided by 12). A periodic rate of 1.1458%  10. Overdraft Protection Advances. Overdraft protection advances will begin 
  this Agreement unless federal law applies. The provisions of this Agreement are  transaction record or otherwise as engaged in such business. corresponds to an ANNUAL PERCENTAGE RATE OF 13.75%. The margin may be  only if you designate your Card as an overdraft protection source in writing. If 
  severable. If any provision of this Agreement is held by a court of law to be invalid  reviewed and adjusted annually. The Annual Percentage Rate will not be higher  your checking account does not have suf? cient available funds to cover any item 
  or unenforceable the rest of this Agreement will not be affected. 5. Special Features. You may receive separate information about special features  than 18.00%, regardless of the index rate.  presented and drawn on the account, any overdraft up to your unused credit limit 
                                      of your Visa or Mastercard account. Your use of such features will be governed  Choice Mastercard Periodic Rate: To determine the Periodic Rate, we take the  will be added to your credit Card account balance under this Agreement, if the 
  1. Acceptance of Cardholder Agreement. By either using the account or signing,  both by the terms of this Agreement and by the terms contained in such separate  �Index Rate,� as de? ned below, add a Margin and divide that number by 12 to  Credit Union pays the item. The Credit Union has the right to refuse overdraft 
  using or accepting the plastic cards(s) issued to you by us (your �Card(s)�), you  information. arrive at the periodic rate. For example, if the index rate were 10.0% and the  advances but will notify you of the refusal. If there is more than one person 
  accept the terms and conditions of this Agreement. All Cards issued to you remain  margin were 3.75%, the Periodic Rate for that billing cycle would be 1.1458%  listed on the checking account (such as a joint checking account) that you have 
  our property and must be returned to us upon request. Once you have received  6. Monthly Payment. Your monthly statement will tell you the total amount that  (10.0% plus 3.75% divided by 12). A periodic rate of 1.1458% corresponds to  linked for Overdraft Protection, then: (1) you will be responsible for all Overdraft 
  your Card, call the phone number shown on the front of the Card to activate your  you owe us, the minimum payment that you must make and your payment due date.  an ANNUAL PERCENTAGE RATE of 13.75%. The margin is based on an evaluation  Protection advances regardless of which person causes any item to be presented 
  Card. By activating your Card, you acknowledge you have received a copy of this  The minimum payment for credit card accounts will be the greater of (1) 2% of the  of your credit history and may be reviewed and adjusted annually. The Annual  or engages in any other transaction that causes the overdraft (checks, ACH, debit 
  disclosure. We may delay or deny access to your account until you have called to  new balance or (2) $35.00. If the new balance of your account is less than $35.00  Percentage Rate will not be higher than 18.00%, regardless of the index rate. Card, etc); and (2) you expressly consent to us disclosing to any other person 
  con? rm that you have received and activated your Card. the minimum payment will be the new balance.  Mastercard Member Rewards Periodic Rate for accounts opened on or after  on that checking account that the checking account is linked to the Card for 
                                      You may pay the new balance in whole or in part at any time. We will not charge  1/6/2010: To determine the Periodic Rate, we take the �Index Rate� as de? ned  Overdraft Protection. We reserve the right to cancel or suspend your Overdraft 
  2. Credit Line. Your Card account will be an open end account. This means that  you a penalty for paying more than the minimum payment. We will determine at  below, add a Margin and divide that number by 12 to arrive at the periodic rate.  Protection service at any time at our sole discretion, for any reason.
  you may borrow the full amount of the line of credit, repay the principal, accrued  our option, the order in which payments will be applied toward Purchases, Cash  For example, if the index rate were 10.0% and the margin were 4.75%, the Periodic 
  interest and fees in full or in part, and borrow again up to your maximum line  Advances, Balance Transfer, unpaid Finance Charges and other Fees and Charges  Rate for that billing cycle would be 1.2292% (10.0% plus 4.75% divided by 12). A  11. Credit Card Fees. We may charge your Card or your Account for Card related fees. 
  of credit, as long as you continue to be creditworthy and a member of the Credit  in accordance with applicable laws. We may accept checks marked �payment in  periodic rate of 1.2292% corresponds to an ANNUAL PERCENTAGE RATE of 14.75%.  The application and payment of the fee will not correct the situation that caused 
  Union in good standing. To remain in good standing, you must meet your entire  full� or with words of similar effect without losing any of our rights to collect the  The margin is based on an evaluation of your credit history and may be reviewed  the fee to be charged. Please refer to our current Credit Card Pricing Information. 
  loan and account obligations to the Credit Union and comply with applicable laws  full balance of your account with us. In addition, any past due amount is due and  and adjusted annually. The Annual Percentage Rate will not be higher than  Other Fees: (1) If you ask the Credit Union for statement research and 
  and the Credit Union�s bylaws. You agree to not use your Card when the use will  payable immediately. If your balance exceeds your credit limit, we also require that  18.00%, regardless of the index rate.  reconstruction services for any reason, you will be charged the same hourly rate 
  exceed your total credit limit. You also agree that we are not obligated to extend  you pay the over limit amount. Mastercard Gold Card Periodic Rate for accounts opened before 1/6/2010:  then being charged by the Credit Union for all of its checking accounts for that 
  credit to you for an amount that would make your outstanding balance exceed  To determine the Periodic Rate, we take the �Index Rate� as de? ned below, add  service; (2) Additional fees may be charged if agreed between you and us; and, 
  your total credit limit or for any amount if your outstanding balance is already  Any payment submitted to us in the form of a check or other paper document may  7.75 percentage points and divide that number by 12 to arrive at the periodic  (3) To the extent not prohibited by law, if you are in default, you agree to pay our 
  over the total credit limit. We can change your credit limit at any time. If we allow  be converted to an electronic transaction through procedures established by the  rate. For example, if the index rate were 10.0%, the Periodic Rate for that billing  collections costs, attorney�s fees and court costs incurred in enforcing our rights 
  you to use your account for more than your limit, you still agree to pay the full  National Automated Clearing House Association. If this occurs, the original check  cycle would be 1.4792% (10.0% plus 7.75% divided by 12). A periodic rate of  under this Agreement. 
  amount you owe us. We may decline to honor any transactions for any reason. You  or other document that you send to us will not be retained, but a copy would be  1.4792% corresponds to an ANNUAL PERCENTAGE RATE of 17.75%. The margin may  We may waive any of the fees in this Agreement at our discretion; however,
  agree that you will not use your account for any transaction that is illegal under  available if requested. be reviewed and adjusted annually. The Annual Percentage Rate will not be higher  we reserve the right to begin charging any fee that was previously waived without 
  any applicable law.                                                    than 18.00%, regardless of the index rate.  providing prior notice to you.
                                      7. Finance Charges, Grace Period and Index Rate. A FINANCE CHARGE will be  Mastercard Gold Card with Annual Fee Periodic Rate (No longer offered to 
  3. Promise To Pay. You agree to pay us the amount of purchases, cash advances,  imposed on Credit Purchases only if you elect not to pay the entire New Balance of  new Cardholders as of 1/6/2010): To determine the Periodic Rate, we take the  12. Reevaluation of Credit. We can reinvestigate and reevaluate any information 
  balance transfers, fees and ? nance charges that you, your coapplicant and/or  purchases shown on your monthly statement for the previous billing cycle within  �Index Rate� as de? ned below, add 5.75 percentage points and divide that number  you provided on your credit application at any time, and in the course of doing so, 
  authorized users make (even if we didn�t issue a Card in that person�s name) and  25 days from the closing date of that statement. If you elect not to pay the entire  by 12 to arrive at the periodic rate. For example, if the index rate were 10.0%, the  we may ask you for additional information, request credit bureau reports and/or 
  whether or not you notify us that he or she will be using it. Each person who uses  New Balance of purchases shown on your previous monthly statement within that  Periodic Rate for that billing cycle would be 1.3125% (10.0% plus 5.75% divided  otherwise verify your current credit standing.
  the Card(s) or permits another to use the Card(s) agrees to be jointly and severally  25-day period, a FINANCE CHARGE will be imposed on the unpaid average daily  by 12). A periodic rate of 1.3125% corresponds to an ANNUAL PERCENTAGE RATE 
  liable to the Credit Union for all obligations due to the Credit Union hereunder.  balance of such Credit Purchases from the previous statement closing date and on  of 15.75%. The margin may be reviewed and adjusted annually. The Annual  13. Account Closing. We may cancel, revoke, reduce the amount of your credit 
  If another person has use of your account and you want to end that person�s  new Credit Purchases from the date of posting to your account during the current  Percentage Rate will not be higher than 18.00%, regardless of the index rate. line or suspend your rights under this Agreement and require the return of the 
  privilege, you must recover and return that person�s Card, if any. If you are unable  billing cycle, and will continue to accrue until the closing date of the billing cycle  The Index Rate used for calculating your Periodic Rate for a billing cycle is the  Card(s) for any reason, including your default, without notice to you except in 
  to recover and return the Card, you will continue to be liable for any charges made  preceding the date on which the entire New Balance of purchases is paid in full or  Prime Rate published in the Wall Street Journal on the last business day of the  those situations where notice is required by law. You may also close the account 
  unless you tell us to cancel all Cards and establish a new account for you. We will  until the date of payment if more than 25 days from the closing date. A FINANCE  prior month (the �Periodic Rate Adjustment Date�). There are 12 Periodic Rate  at any time by notifying us in writing and returning all Cards. If the account is 
  automatically cancel all Cards if you notify us of unauthorized use. Your obligation  CHARGE will be imposed on each Cash Advance from the transaction date and  Adjustment Dates per year.  closed or we terminate or suspend your credit privileges for any reason, you must 
  to pay the account balance continues even though an agreement, divorce decree  continue daily until the date each Cash Advance is paid in full. Because the Index Rate may go up or down, the Periodic rate applied to your  still repay any unpaid balance you owe to us including charges and or transactions 
  or other court judgment to which we are not a party may direct you or one of the  The FINANCE CHARGE for a billing cycle is computed by applying the monthly  Average Daily Purchases Balance or Average Daily Cash Advance Balance, as the  not yet received by us, as well as subsequent Finance Charges and other charges 
  other persons responsible under this Agreement to pay the account. Periodic Rate to the average daily balance of Credit Purchases and Cash Advances,  case may be, may also increase or decrease, thereby increasing or decreasing the  according to the terms of this Agreement. Each Card is our property and you agree 
                                      which is determined by dividing the sum of the daily balances during the billing  number of payments you will be required to make in order to repay your Total  that the Cards are not transferable and to surrender any Card upon demand. If this 
  4. Authorizations. Some transactions on your account will require prior approval.  cycle by the number of days in the cycle. Each daily balance of Credit Purchases  New Balance. is a joint account, either person who is liable on the account may give notice to 
  These prior approvals are called �authorizations�. We may limit the number of  and Cash Advances is determined by adding to the outstanding unpaid balance of  The Periodic Rate that is applied to your Average Daily Purchases Balance and  cancel the account, and we may close it without notifying the other liable person.
  authorizations we will give the account during any certain period of time (day,  Credit Purchases and Cash Advances at the beginning of the billing cycle any new  Average Daily Cash Advance Balance appears on your monthly statement. The 
  weekend, week) and we may deny an authorization if we suspect that your  Credit Purchases and Cash Advances posted to your account, and subtracting any  Periodic Rate, in effect at the time of your Card approval, was provided to you in a  14. Default. You will be in default, and we may, without notifying you, temporarily 
  account is being used without your permission. If our authorization system is not  payments as received and credits as posted to your account, but excluding any  separate Credit Union initial welcome and or acceptance letter. suspend your credit, close your account, cancel all Cards issued on it and require 
  working fully, we may be unable to give an authorization. For security reasons,  unpaid FINANCE CHARGES.  immediate payment of your entire balance if any of the following occurs:
  we cannot explain the details of how the authorization system works. You agree  VISA FirstCard Periodic Rate: To determine the Periodic Rate, we take the Rate  8. Change In Terms Of Your Account. We can change or add to any terms of  a. You fail to make a payment when it is due;
  that we will not be liable for failing to give an authorization. Transactions at some  divide that number by 12 to arrive at the periodic rate. For example, if the rate  your account at any time. We do not guarantee that the fees and the Annual  b.  You do not follow the terms of this Agreement in any way;
  participating merchants (such as hotels, car rental companies, restaurants and gas  were 12.90% the Periodic Rate for that billing cycle would be  1.075% ( 12.9%  Percentage Rates (APRs) on this account are for any particular length of time.  c.  You have made any false or misleading statement on the application for your 
  stations) may result in authorizations for amounts greater than the actual purchase  divided by 12).  Future changes will be made in accordance with this Agreement and applicable  account;
  amount, which will have the effect of making less credit available on your account  VISA Platinum Periodic Rate for accounts opened on or after 1/6/2010: To  law. We will provide you with such notice as is required by applicable law. Such  d. You fail to pay any other loans you owe us;
  for several days (usually until the date the actual purchase amount is received  determine the Periodic Rate, we take the �Index Rate,� as de? ned below, add a  changes may apply to the existing balance on your account as well as to future  e.  You become insolvent or die;
  from the merchant). We may, but are not required to, authorize transactions that  Margin and divide that number by 12 to arrive at the periodic rate. For example, if  balances in accordance with this Agreement and applicable law. If required by  f.  There is an attachment, execution or levy against your property or you make an 
  will cause the balance on your account to exceed the credit limit, and you agree  the index rate were 10.0% and the margin were 3.75%, the Periodic Rate for that  applicable law, we will permit you to reject certain types of changes, by providing  assignment for the bene? t of creditors;
  that you are liable for any such transactions as well as interest. If you make a  billing cycle would be 1.1458% (10.0% plus 3.75% divided by 12). A periodic rate  us with written notice and closing your account and you would then be permitted  g.  A bankruptcy petition is ? led by or against you or your spouse;
  transaction that would cause you to exceed your total credit limit we may (1)  of 1.1458% corresponds to an ANNUAL PERCENTAGE RATE of 13.75%. The margin  to repay any balance on the account under the terms in effect prior to the change. h.  A guardian, conservator, receiver, custodian or trustee is appointed for you;
  authorize the transaction without increasing your total credit limit; (2) authorize  is based on an evaluation of your credit history and may be reviewed and adjusted  i.  You are generally not paying your debts as they become due; or
                                                                                                            j.  There has been a material adverse change in your ? nancial standing.
 In this Agreement the words �you� and �your� mean each and all of those signing,  the transaction without increasing your total credit limit and treat that amount  annually. The Annual Percentage Rate will not be higher than 18.00%, regardless  9. Savings Account Required. All applicants and co-applicants on a credit card 
 using or having a credit Card account with Northwest Federal Credit Union,  as immediately due, or (3) deny authorization. If the authorization is denied we  of the index rate. account must have an open savings account that carries a share par balance. You 
 referred to as �we� and �us� or �Credit Union�. The �Card� means any credit Card  may notify the person who attempted the transaction that it has been refused. If  VISA Platinum Periodic Rate for accounts opened before 1/6/2010: To  must continue to be a member of the Credit Union and comply with the basic 
 issued to you or those designated by you under the terms of this Agreement. �Use  we authorize a transaction that causes your account to exceed its credit limit, it  determine the Periodic Rate, we take the �Index Rate,� as de? ned below, add 3.75  account requirements to maintain eligibility for this Account. You may close your 
 of the Card� means any procedures used by you, or someone authorized by you, to  does not mean that we will do so again in the future. In addition, we reserve the  percentage points and divide that number by 12 to arrive at the periodic rate.  Account at any time by notifying us in writing and returning all Cards cut in half.
 make a purchase or obtain a cash advance whether or not the purchase or advance  right to deny transactions or authorizations from merchants apparently engaging  For example, if the index rate were 10.0%, the Periodic Rate for that billing cycle 
 is evidenced by a signed written document. Virginia law will be used to interpret  in the Internet gambling business or identifying themselves through the Card  would be 1.1458% (10.0% plus 3.75% divided by 12). A periodic rate of 1.1458%  10. Overdraft Protection Advances. Overdraft protection advances will begin 
 this Agreement unless federal law applies. The provisions of this Agreement are  transaction record or otherwise as engaged in such business. corresponds to an ANNUAL PERCENTAGE RATE OF 13.75%. The margin may be  only if you designate your Card as an overdraft protection source in writing. If 
 severable. If any provision of this Agreement is held by a court of law to be invalid  reviewed and adjusted annually. The Annual Percentage Rate will not be higher  your checking account does not have suf? cient available funds to cover any item 
 or unenforceable the rest of this Agreement will not be affected. 5. Special Features. You may receive separate information about special features  than 18.00%, regardless of the index rate.  presented and drawn on the account, any overdraft up to your unused credit limit 
   of your Visa or Mastercard account. Your use of such features will be governed  Choice Mastercard Periodic Rate: To determine the Periodic Rate, we take the  will be added to your credit Card account balance under this Agreement, if the 
 1. Acceptance of Cardholder Agreement. By either using the account or signing,  both by the terms of this Agreement and by the terms contained in such separate  �Index Rate,� as de? ned below, add a Margin and divide that number by 12 to  Credit Union pays the item. The Credit Union has the right to refuse overdraft 
 using or accepting the plastic cards(s) issued to you by us (your �Card(s)�), you  information. arrive at the periodic rate. For example, if the index rate were 10.0% and the  advances but will notify you of the refusal. If there is more than one person 
 accept the terms and conditions of this Agreement. All Cards issued to you remain  margin were 3.75%, the Periodic Rate for that billing cycle would be 1.1458%  listed on the checking account (such as a joint checking account) that you have 
 our property and must be returned to us upon request. Once you have received  6. Monthly Payment. Your monthly statement will tell you the total amount that  (10.0% plus 3.75% divided by 12). A periodic rate of 1.1458% corresponds to  linked for Overdraft Protection, then: (1) you will be responsible for all Overdraft 
 your Card, call the phone number shown on the front of the Card to activate your  you owe us, the minimum payment that you must make and your payment due date.  an ANNUAL PERCENTAGE RATE of 13.75%. The margin is based on an evaluation  Protection advances regardless of which person causes any item to be presented 
 Card. By activating your Card, you acknowledge you have received a copy of this  The minimum payment for credit card accounts will be the greater of (1) 2% of the  of your credit history and may be reviewed and adjusted annually. The Annual  or engages in any other transaction that causes the overdraft (checks, ACH, debit 
 disclosure. We may delay or deny access to your account until you have called to  new balance or (2) $35.00. If the new balance of your account is less than $35.00  Percentage Rate will not be higher than 18.00%, regardless of the index rate. Card, etc); and (2) you expressly consent to us disclosing to any other person 
 con? rm that you have received and activated your Card. the minimum payment will be the new balance.  Mastercard Member Rewards Periodic Rate for accounts opened on or after  on that checking account that the checking account is linked to the Card for 
   You may pay the new balance in whole or in part at any time. We will not charge  1/6/2010: To determine the Periodic Rate, we take the �Index Rate� as de? ned  Overdraft Protection. We reserve the right to cancel or suspend your Overdraft 
 2. Credit Line. Your Card account will be an open end account. This means that  you a penalty for paying more than the minimum payment. We will determine at  below, add a Margin and divide that number by 12 to arrive at the periodic rate.  Protection service at any time at our sole discretion, for any reason.
 you may borrow the full amount of the line of credit, repay the principal, accrued  our option, the order in which payments will be applied toward Purchases, Cash  For example, if the index rate were 10.0% and the margin were 4.75%, the Periodic 
 interest and fees in full or in part, and borrow again up to your maximum line  Advances, Balance Transfer, unpaid Finance Charges and other Fees and Charges  Rate for that billing cycle would be 1.2292% (10.0% plus 4.75% divided by 12). A  11. Credit Card Fees. We may charge your Card or your Account for Card related fees. 
 of credit, as long as you continue to be creditworthy and a member of the Credit  in accordance with applicable laws. We may accept checks marked �payment in  periodic rate of 1.2292% corresponds to an ANNUAL PERCENTAGE RATE of 14.75%.  The application and payment of the fee will not correct the situation that caused 
 Union in good standing. To remain in good standing, you must meet your entire  full� or with words of similar effect without losing any of our rights to collect the  The margin is based on an evaluation of your credit history and may be reviewed  the fee to be charged. Please refer to our current Credit Card Pricing Information. 
 loan and account obligations to the Credit Union and comply with applicable laws  full balance of your account with us. In addition, any past due amount is due and  and adjusted annually. The Annual Percentage Rate will not be higher than  Other Fees: (1) If you ask the Credit Union for statement research and 
 and the Credit Union�s bylaws. You agree to not use your Card when the use will  payable immediately. If your balance exceeds your credit limit, we also require that  18.00%, regardless of the index rate.  reconstruction services for any reason, you will be charged the same hourly rate 
 exceed your total credit limit. You also agree that we are not obligated to extend  you pay the over limit amount. Mastercard Gold Card Periodic Rate for accounts opened before 1/6/2010:  then being charged by the Credit Union for all of its checking accounts for that 
 credit to you for an amount that would make your outstanding balance exceed  To determine the Periodic Rate, we take the �Index Rate� as de? ned below, add  service; (2) Additional fees may be charged if agreed between you and us; and, 
 your total credit limit or for any amount if your outstanding balance is already  Any payment submitted to us in the form of a check or other paper document may  7.75 percentage points and divide that number by 12 to arrive at the periodic  (3) To the extent not prohibited by law, if you are in default, you agree to pay our 
 over the total credit limit. We can change your credit limit at any time. If we allow  be converted to an electronic transaction through procedures established by the  rate. For example, if the index rate were 10.0%, the Periodic Rate for that billing  collections costs, attorney�s fees and court costs incurred in enforcing our rights 
 you to use your account for more than your limit, you still agree to pay the full  National Automated Clearing House Association. If this occurs, the original check  cycle would be 1.4792% (10.0% plus 7.75% divided by 12). A periodic rate of  under this Agreement. 
 amount you owe us. We may decline to honor any transactions for any reason. You  or other document that you send to us will not be retained, but a copy would be  1.4792% corresponds to an ANNUAL PERCENTAGE RATE of 17.75%. The margin may  We may waive any of the fees in this Agreement at our discretion; however,
 agree that you will not use your account for any transaction that is illegal under  available if requested. be reviewed and adjusted annually. The Annual Percentage Rate will not be higher  we reserve the right to begin charging any fee that was previously waived without 
 any applicable law.                  than 18.00%, regardless of the index rate.  providing prior notice to you.
   7. Finance Charges, Grace Period and Index Rate. A FINANCE CHARGE will be  Mastercard Gold Card with Annual Fee Periodic Rate (No longer offered to 
 3. Promise To Pay. You agree to pay us the amount of purchases, cash advances,  imposed on Credit Purchases only if you elect not to pay the entire New Balance of  new Cardholders as of 1/6/2010): To determine the Periodic Rate, we take the  12. Reevaluation of Credit. We can reinvestigate and reevaluate any information 
 balance transfers, fees and ? nance charges that you, your coapplicant and/or  purchases shown on your monthly statement for the previous billing cycle within  �Index Rate� as de? ned below, add 5.75 percentage points and divide that number  you provided on your credit application at any time, and in the course of doing so, 
 authorized users make (even if we didn�t issue a Card in that person�s name) and  25 days from the closing date of that statement. If you elect not to pay the entire  by 12 to arrive at the periodic rate. For example, if the index rate were 10.0%, the  we may ask you for additional information, request credit bureau reports and/or 
 whether or not you notify us that he or she will be using it. Each person who uses  New Balance of purchases shown on your previous monthly statement within that  Periodic Rate for that billing cycle would be 1.3125% (10.0% plus 5.75% divided  otherwise verify your current credit standing.
 the Card(s) or permits another to use the Card(s) agrees to be jointly and severally  25-day period, a FINANCE CHARGE will be imposed on the unpaid average daily  by 12). A periodic rate of 1.3125% corresponds to an ANNUAL PERCENTAGE RATE 
 liable to the Credit Union for all obligations due to the Credit Union hereunder.  balance of such Credit Purchases from the previous statement closing date and on  of 15.75%. The margin may be reviewed and adjusted annually. The Annual  13. Account Closing. We may cancel, revoke, reduce the amount of your credit 
 If another person has use of your account and you want to end that person�s  new Credit Purchases from the date of posting to your account during the current  Percentage Rate will not be higher than 18.00%, regardless of the index rate. line or suspend your rights under this Agreement and require the return of the 
 privilege, you must recover and return that person�s Card, if any. If you are unable  billing cycle, and will continue to accrue until the closing date of the billing cycle  The Index Rate used for calculating your Periodic Rate for a billing cycle is the  Card(s) for any reason, including your default, without notice to you except in 
 to recover and return the Card, you will continue to be liable for any charges made  preceding the date on which the entire New Balance of purchases is paid in full or  Prime Rate published in the Wall Street Journal on the last business day of the  those situations where notice is required by law. You may also close the account 
 unless you tell us to cancel all Cards and establish a new account for you. We will  until the date of payment if more than 25 days from the closing date. A FINANCE  prior month (the �Periodic Rate Adjustment Date�). There are 12 Periodic Rate  at any time by notifying us in writing and returning all Cards. If the account is 
 automatically cancel all Cards if you notify us of unauthorized use. Your obligation  CHARGE will be imposed on each Cash Advance from the transaction date and  Adjustment Dates per year.  closed or we terminate or suspend your credit privileges for any reason, you must 
 to pay the account balance continues even though an agreement, divorce decree  continue daily until the date each Cash Advance is paid in full. Because the Index Rate may go up or down, the Periodic rate applied to your  still repay any unpaid balance you owe to us including charges and or transactions 
 or other court judgment to which we are not a party may direct you or one of the  The FINANCE CHARGE for a billing cycle is computed by applying the monthly  Average Daily Purchases Balance or Average Daily Cash Advance Balance, as the  not yet received by us, as well as subsequent Finance Charges and other charges 
 other persons responsible under this Agreement to pay the account. Periodic Rate to the average daily balance of Credit Purchases and Cash Advances,  case may be, may also increase or decrease, thereby increasing or decreasing the  according to the terms of this Agreement. Each Card is our property and you agree 
   which is determined by dividing the sum of the daily balances during the billing  number of payments you will be required to make in order to repay your Total  that the Cards are not transferable and to surrender any Card upon demand. If this 
 4. Authorizations. Some transactions on your account will require prior approval.  cycle by the number of days in the cycle. Each daily balance of Credit Purchases  New Balance. is a joint account, either person who is liable on the account may give notice to 
 These prior approvals are called �authorizations�. We may limit the number of  and Cash Advances is determined by adding to the outstanding unpaid balance of  The Periodic Rate that is applied to your Average Daily Purchases Balance and  cancel the account, and we may close it without notifying the other liable person.
 authorizations we will give the account during any certain period of time (day,  Credit Purchases and Cash Advances at the beginning of the billing cycle any new  Average Daily Cash Advance Balance appears on your monthly statement. The 
 weekend, week) and we may deny an authorization if we suspect that your  Credit Purchases and Cash Advances posted to your account, and subtracting any  Periodic Rate, in effect at the time of your Card approval, was provided to you in a  14. Default. You will be in default, and we may, without notifying you, temporarily 
 account is being used without your permission. If our authorization system is not  payments as received and credits as posted to your account, but excluding any  separate Credit Union initial welcome and or acceptance letter. suspend your credit, close your account, cancel all Cards issued on it and require 
 working fully, we may be unable to give an authorization. For security reasons,  unpaid FINANCE CHARGES. immediate payment of your entire balance if any of the following occurs:
 we cannot explain the details of how the authorization system works. You agree  VISA FirstCard Periodic Rate: To determine the Periodic Rate, we take the Rate  8. Change In Terms Of Your Account. We can change or add to any terms of  a. You fail to make a payment when it is due;
 that we will not be liable for failing to give an authorization. Transactions at some  divide that number by 12 to arrive at the periodic rate. For example, if the rate  your account at any time. We do not guarantee that the fees and the Annual  b.  You do not follow the terms of this Agreement in any way;
 participating merchants (such as hotels, car rental companies, restaurants and gas  were 12.90% the Periodic Rate for that billing cycle would be  1.075% ( 12.9%  Percentage Rates (APRs) on this account are for any particular length of time.  c.  You have made any false or misleading statement on the application for your 
 stations) may result in authorizations for amounts greater than the actual purchase  divided by 12).  Future changes will be made in accordance with this Agreement and applicable  account;
 amount, which will have the effect of making less credit available on your account  VISA Platinum Periodic Rate for accounts opened on or after 1/6/2010: To  law. We will provide you with such notice as is required by applicable law. Such  d. You fail to pay any other loans you owe us;
 for several days (usually until the date the actual purchase amount is received  determine the Periodic Rate, we take the �Index Rate,� as de? ned below, add a  changes may apply to the existing balance on your account as well as to future  e.  You become insolvent or die;
 from the merchant). We may, but are not required to, authorize transactions that  Margin and divide that number by 12 to arrive at the periodic rate. For example, if  balances in accordance with this Agreement and applicable law. If required by  f.  There is an attachment, execution or levy against your property or you make an 
 will cause the balance on your account to exceed the credit limit, and you agree  the index rate were 10.0% and the margin were 3.75%, the Periodic Rate for that  applicable law, we will permit you to reject certain types of changes, by providing  assignment for the bene? t of creditors;
 that you are liable for any such transactions as well as interest. If you make a  billing cycle would be 1.1458% (10.0% plus 3.75% divided by 12). A periodic rate  us with written notice and closing your account and you would then be permitted  g.  A bankruptcy petition is ? led by or against you or your spouse;
 transaction that would cause you to exceed your total credit limit we may (1)  of 1.1458% corresponds to an ANNUAL PERCENTAGE RATE of 13.75%. The margin  to repay any balance on the account under the terms in effect prior to the change. h.  A guardian, conservator, receiver, custodian or trustee is appointed for you;
 authorize the transaction without increasing your total credit limit; (2) authorize  is based on an evaluation of your credit history and may be reviewed and adjusted  i.  You are generally not paying your debts as they become due; or
                                                                         j.  There has been a material adverse change in your ? nancial standing.
 In this Agreement the words �you� and �your� mean each and all of those signing,  the transaction without increasing your total credit limit and treat that amount  annually. The Annual Percentage Rate will not be higher than 18.00%, regardless  9. Savings Account Required. All applicants and co-applicants on a credit card 
 using or having a credit Card account with Northwest Federal Credit Union,  as immediately due, or (3) deny authorization. If the authorization is denied we  of the index rate. account must have an open savings account that carries a share par balance. You 
 referred to as �we� and �us� or �Credit Union�. The �Card� means any credit Card  may notify the person who attempted the transaction that it has been refused. If  VISA Platinum Periodic Rate for accounts opened before 1/6/2010: To  must continue to be a member of the Credit Union and comply with the basic 
 issued to you or those designated by you under the terms of this Agreement. �Use  we authorize a transaction that causes your account to exceed its credit limit, it  determine the Periodic Rate, we take the �Index Rate,� as de? ned below, add 3.75  account requirements to maintain eligibility for this Account. You may close your 
 of the Card� means any procedures used by you, or someone authorized by you, to  does not mean that we will do so again in the future. In addition, we reserve the  percentage points and divide that number by 12 to arrive at the periodic rate.  Account at any time by notifying us in writing and returning all Cards cut in half.
 make a purchase or obtain a cash advance whether or not the purchase or advance  right to deny transactions or authorizations from merchants apparently engaging  For example, if the index rate were 10.0%, the Periodic Rate for that billing cycle 
 is evidenced by a signed written document. Virginia law will be used to interpret  in the Internet gambling business or identifying themselves through the Card  would be 1.1458% (10.0% plus 3.75% divided by 12). A periodic rate of 1.1458%  10. Overdraft Protection Advances. Overdraft protection advances will begin 
 this Agreement unless federal law applies. The provisions of this Agreement are  transaction record or otherwise as engaged in such business. corresponds to an ANNUAL PERCENTAGE RATE OF 13.75%. The margin may be  only if you designate your Card as an overdraft protection source in writing. If 
 severable. If any provision of this Agreement is held by a court of law to be invalid  reviewed and adjusted annually. The Annual Percentage Rate will not be higher  your checking account does not have suf? cient available funds to cover any item 
 or unenforceable the rest of this Agreement will not be affected. 5. Special Features. You may receive separate information about special features  than 18.00%, regardless of the index rate.  presented and drawn on the account, any overdraft up to your unused credit limit 
 of your Visa or Mastercard account. Your use of such features will be governed  Choice Mastercard Periodic Rate: To determine the Periodic Rate, we take the  will be added to your credit Card account balance under this Agreement, if the 
 1. Acceptance of Cardholder Agreement. By either using the account or signing,  both by the terms of this Agreement and by the terms contained in such separate  �Index Rate,� as de? ned below, add a Margin and divide that number by 12 to  Credit Union pays the item. The Credit Union has the right to refuse overdraft 
 using or accepting the plastic cards(s) issued to you by us (your �Card(s)�), you  information. arrive at the periodic rate. For example, if the index rate were 10.0% and the  advances but will notify you of the refusal. If there is more than one person 
 accept the terms and conditions of this Agreement. All Cards issued to you remain  margin were 3.75%, the Periodic Rate for that billing cycle would be 1.1458%  listed on the checking account (such as a joint checking account) that you have 
 our property and must be returned to us upon request. Once you have received  6. Monthly Payment. Your monthly statement will tell you the total amount that  (10.0% plus 3.75% divided by 12). A periodic rate of 1.1458% corresponds to  linked for Overdraft Protection, then: (1) you will be responsible for all Overdraft 
 your Card, call the phone number shown on the front of the Card to activate your  you owe us, the minimum payment that you must make and your payment due date.  an ANNUAL PERCENTAGE RATE of 13.75%. The margin is based on an evaluation  Protection advances regardless of which person causes any item to be presented 
 Card. By activating your Card, you acknowledge you have received a copy of this  The minimum payment for credit card accounts will be the greater of (1) 2% of the  of your credit history and may be reviewed and adjusted annually. The Annual  or engages in any other transaction that causes the overdraft (checks, ACH, debit 
 disclosure. We may delay or deny access to your account until you have called to  new balance or (2) $35.00. If the new balance of your account is less than $35.00  Percentage Rate will not be higher than 18.00%, regardless of the index rate. Card, etc); and (2) you expressly consent to us disclosing to any other person 
 con? rm that you have received and activated your Card. the minimum payment will be the new balance.  Mastercard Member Rewards Periodic Rate for accounts opened on or after  on that checking account that the checking account is linked to the Card for 
 You may pay the new balance in whole or in part at any time. We will not charge  1/6/2010: To determine the Periodic Rate, we take the �Index Rate� as de? ned  Overdraft Protection. We reserve the right to cancel or suspend your Overdraft 
 2. Credit Line. Your Card account will be an open end account. This means that  you a penalty for paying more than the minimum payment. We will determine at  below, add a Margin and divide that number by 12 to arrive at the periodic rate.  Protection service at any time at our sole discretion, for any reason.
 you may borrow the full amount of the line of credit, repay the principal, accrued  our option, the order in which payments will be applied toward Purchases, Cash  For example, if the index rate were 10.0% and the margin were 4.75%, the Periodic 
 interest and fees in full or in part, and borrow again up to your maximum line  Advances, Balance Transfer, unpaid Finance Charges and other Fees and Charges  Rate for that billing cycle would be 1.2292% (10.0% plus 4.75% divided by 12). A  11. Credit Card Fees. We may charge your Card or your Account for Card related fees. 
 of credit, as long as you continue to be creditworthy and a member of the Credit  in accordance with applicable laws. We may accept checks marked �payment in  periodic rate of 1.2292% corresponds to an ANNUAL PERCENTAGE RATE of 14.75%.  The application and payment of the fee will not correct the situation that caused 
 Union in good standing. To remain in good standing, you must meet your entire  full� or with words of similar effect without losing any of our rights to collect the  The margin is based on an evaluation of your credit history and may be reviewed  the fee to be charged. Please refer to our current Credit Card Pricing Information. 
 loan and account obligations to the Credit Union and comply with applicable laws  full balance of your account with us. In addition, any past due amount is due and  and adjusted annually. The Annual Percentage Rate will not be higher than  Other Fees: (1) If you ask the Credit Union for statement research and 
 and the Credit Union�s bylaws. You agree to not use your Card when the use will  payable immediately. If your balance exceeds your credit limit, we also require that  18.00%, regardless of the index rate.  reconstruction services for any reason, you will be charged the same hourly rate 
 exceed your total credit limit. You also agree that we are not obligated to extend  you pay the over limit amount. Mastercard Gold Card Periodic Rate for accounts opened before 1/6/2010:  then being charged by the Credit Union for all of its checking accounts for that 
 credit to you for an amount that would make your outstanding balance exceed  To determine the Periodic Rate, we take the �Index Rate� as de? ned below, add  service; (2) Additional fees may be charged if agreed between you and us; and, 
 your total credit limit or for any amount if your outstanding balance is already  Any payment submitted to us in the form of a check or other paper document may  7.75 percentage points and divide that number by 12 to arrive at the periodic  (3) To the extent not prohibited by law, if you are in default, you agree to pay our 
 over the total credit limit. We can change your credit limit at any time. If we allow  be converted to an electronic transaction through procedures established by the  rate. For example, if the index rate were 10.0%, the Periodic Rate for that billing  collections costs, attorney�s fees and court costs incurred in enforcing our rights 
 you to use your account for more than your limit, you still agree to pay the full  National Automated Clearing House Association. If this occurs, the original check  cycle would be 1.4792% (10.0% plus 7.75% divided by 12). A periodic rate of  under this Agreement. 
 amount you owe us. We may decline to honor any transactions for any reason. You  or other document that you send to us will not be retained, but a copy would be  1.4792% corresponds to an ANNUAL PERCENTAGE RATE of 17.75%. The margin may  We may waive any of the fees in this Agreement at our discretion; however,
 agree that you will not use your account for any transaction that is illegal under  available if requested. be reviewed and adjusted annually. The Annual Percentage Rate will not be higher  we reserve the right to begin charging any fee that was previously waived without 
 any applicable law. than 18.00%, regardless of the index rate.  providing prior notice to you.
 7. Finance Charges, Grace Period and Index Rate. A FINANCE CHARGE will be  Mastercard Gold Card with Annual Fee Periodic Rate (No longer offered to 
 3. Promise To Pay. You agree to pay us the amount of purchases, cash advances,  imposed on Credit Purchases only if you elect not to pay the entire New Balance of  new Cardholders as of 1/6/2010): To determine the Periodic Rate, we take the  12. Reevaluation of Credit. We can reinvestigate and reevaluate any information 
 balance transfers, fees and ? nance charges that you, your coapplicant and/or  purchases shown on your monthly statement for the previous billing cycle within  �Index Rate� as de? ned below, add 5.75 percentage points and divide that number  you provided on your credit application at any time, and in the course of doing so, 
 authorized users make (even if we didn�t issue a Card in that person�s name) and  25 days from the closing date of that statement. If you elect not to pay the entire  by 12 to arrive at the periodic rate. For example, if the index rate were 10.0%, the  we may ask you for additional information, request credit bureau reports and/or 
 whether or not you notify us that he or she will be using it. Each person who uses  New Balance of purchases shown on your previous monthly statement within that  Periodic Rate for that billing cycle would be 1.3125% (10.0% plus 5.75% divided  otherwise verify your current credit standing.
 the Card(s) or permits another to use the Card(s) agrees to be jointly and severally  25-day period, a FINANCE CHARGE will be imposed on the unpaid average daily  by 12). A periodic rate of 1.3125% corresponds to an ANNUAL PERCENTAGE RATE 
 liable to the Credit Union for all obligations due to the Credit Union hereunder.  balance of such Credit Purchases from the previous statement closing date and on  of 15.75%. The margin may be reviewed and adjusted annually. The Annual  13. Account Closing. We may cancel, revoke, reduce the amount of your credit 
 If another person has use of your account and you want to end that person�s  new Credit Purchases from the date of posting to your account during the current  Percentage Rate will not be higher than 18.00%, regardless of the index rate. line or suspend your rights under this Agreement and require the return of the 
 privilege, you must recover and return that person�s Card, if any. If you are unable  billing cycle, and will continue to accrue until the closing date of the billing cycle  The Index Rate used for calculating your Periodic Rate for a billing cycle is the  Card(s) for any reason, including your default, without notice to you except in 
 to recover and return the Card, you will continue to be liable for any charges made  preceding the date on which the entire New Balance of purchases is paid in full or  Prime Rate published in the Wall Street Journal on the last business day of the  those situations where notice is required by law. You may also close the account 
 unless you tell us to cancel all Cards and establish a new account for you. We will  until the date of payment if more than 25 days from the closing date. A FINANCE  prior month (the �Periodic Rate Adjustment Date�). There are 12 Periodic Rate  at any time by notifying us in writing and returning all Cards. If the account is 
 automatically cancel all Cards if you notify us of unauthorized use. Your obligation  CHARGE will be imposed on each Cash Advance from the transaction date and  Adjustment Dates per year.  closed or we terminate or suspend your credit privileges for any reason, you must 
 to pay the account balance continues even though an agreement, divorce decree  continue daily until the date each Cash Advance is paid in full. Because the Index Rate may go up or down, the Periodic rate applied to your  still repay any unpaid balance you owe to us including charges and or transactions 
 or other court judgment to which we are not a party may direct you or one of the  The FINANCE CHARGE for a billing cycle is computed by applying the monthly  Average Daily Purchases Balance or Average Daily Cash Advance Balance, as the  not yet received by us, as well as subsequent Finance Charges and other charges 
 other persons responsible under this Agreement to pay the account. Periodic Rate to the average daily balance of Credit Purchases and Cash Advances,  case may be, may also increase or decrease, thereby increasing or decreasing the  according to the terms of this Agreement. Each Card is our property and you agree 
 which is determined by dividing the sum of the daily balances during the billing  number of payments you will be required to make in order to repay your Total  that the Cards are not transferable and to surrender any Card upon demand. If this 
 4. Authorizations. Some transactions on your account will require prior approval.  cycle by the number of days in the cycle. Each daily balance of Credit Purchases  New Balance. is a joint account, either person who is liable on the account may give notice to 
 These prior approvals are called �authorizations�. We may limit the number of  and Cash Advances is determined by adding to the outstanding unpaid balance of  The Periodic Rate that is applied to your Average Daily Purchases Balance and  cancel the account, and we may close it without notifying the other liable person.
 authorizations we will give the account during any certain period of time (day,  Credit Purchases and Cash Advances at the beginning of the billing cycle any new  Average Daily Cash Advance Balance appears on your monthly statement. The 
 weekend, week) and we may deny an authorization if we suspect that your  Credit Purchases and Cash Advances posted to your account, and subtracting any  Periodic Rate, in effect at the time of your Card approval, was provided to you in a  14. Default. You will be in default, and we may, without notifying you, temporarily 
 account is being used without your permission. If our authorization system is not  payments as received and credits as posted to your account, but excluding any  separate Credit Union initial welcome and or acceptance letter. suspend your credit, close your account, cancel all Cards issued on it and require 
 working fully, we may be unable to give an authorization. For security reasons,  unpaid FINANCE CHARGES. immediate payment of your entire balance if any of the following occurs:
 we cannot explain the details of how the authorization system works. You agree  VISA FirstCard Periodic Rate: To determine the Periodic Rate, we take the Rate  8. Change In Terms Of Your Account. We can change or add to any terms of  a. You fail to make a payment when it is due;
 that we will not be liable for failing to give an authorization. Transactions at some  divide that number by 12 to arrive at the periodic rate. For example, if the rate  your account at any time. We do not guarantee that the fees and the Annual  b.  You do not follow the terms of this Agreement in any way;
 participating merchants (such as hotels, car rental companies, restaurants and gas  were 12.90% the Periodic Rate for that billing cycle would be  1.075% ( 12.9%  Percentage Rates (APRs) on this account are for any particular length of time.  c.  You have made any false or misleading statement on the application for your 
 stations) may result in authorizations for amounts greater than the actual purchase  divided by 12).  Future changes will be made in accordance with this Agreement and applicable  account;
 amount, which will have the effect of making less credit available on your account  VISA Platinum Periodic Rate for accounts opened on or after 1/6/2010: To  law. We will provide you with such notice as is required by applicable law. Such  d. You fail to pay any other loans you owe us;
 for several days (usually until the date the actual purchase amount is received  determine the Periodic Rate, we take the �Index Rate,� as de? ned below, add a  changes may apply to the existing balance on your account as well as to future  e.  You become insolvent or die;
 from the merchant). We may, but are not required to, authorize transactions that  Margin and divide that number by 12 to arrive at the periodic rate. For example, if  balances in accordance with this Agreement and applicable law. If required by  f.  There is an attachment, execution or levy against your property or you make an 
 will cause the balance on your account to exceed the credit limit, and you agree  the index rate were 10.0% and the margin were 3.75%, the Periodic Rate for that  applicable law, we will permit you to reject certain types of changes, by providing  assignment for the bene? t of creditors;
 that you are liable for any such transactions as well as interest. If you make a  billing cycle would be 1.1458% (10.0% plus 3.75% divided by 12). A periodic rate  us with written notice and closing your account and you would then be permitted  g.  A bankruptcy petition is ? led by or against you or your spouse;
 transaction that would cause you to exceed your total credit limit we may (1)  of 1.1458% corresponds to an ANNUAL PERCENTAGE RATE of 13.75%. The margin  to repay any balance on the account under the terms in effect prior to the change. h.  A guardian, conservator, receiver, custodian or trustee is appointed for you;
 authorize the transaction without increasing your total credit limit; (2) authorize  is based on an evaluation of your credit history and may be reviewed and adjusted  i.  You are generally not paying your debts as they become due; or
                                      j.  There has been a material adverse change in your ? nancial standing.
 In this Agreement the words �you� and �your� mean each and all of those signing,  the transaction without increasing your total credit limit and treat that amount  annually. The Annual Percentage Rate will not be higher than 18.00%, regardless  9. Savings Account Required. All applicants and co-applicants on a credit card 
 using or having a credit Card account with Northwest Federal Credit Union,  as immediately due, or (3) deny authorization. If the authorization is denied we  of the index rate. account must have an open savings account that carries a share par balance. You 
 referred to as �we� and �us� or �Credit Union�. The �Card� means any credit Card  may notify the person who attempted the transaction that it has been refused. If  VISA Platinum Periodic Rate for accounts opened before 1/6/2010: To  must continue to be a member of the Credit Union and comply with the basic 
 issued to you or those designated by you under the terms of this Agreement. �Use  we authorize a transaction that causes your account to exceed its credit limit, it  determine the Periodic Rate, we take the �Index Rate,� as de? ned below, add 3.75  account requirements to maintain eligibility for this Account. You may close your 
 of the Card� means any procedures used by you, or someone authorized by you, to  does not mean that we will do so again in the future. In addition, we reserve the  percentage points and divide that number by 12 to arrive at the periodic rate.  Account at any time by notifying us in writing and returning all Cards cut in half.
 make a purchase or obtain a cash advance whether or not the purchase or advance  right to deny transactions or authorizations from merchants apparently engaging  For example, if the index rate were 10.0%, the Periodic Rate for that billing cycle 
 is evidenced by a signed written document. Virginia law will be used to interpret  in the Internet gambling business or identifying themselves through the Card  would be 1.1458% (10.0% plus 3.75% divided by 12). A periodic rate of 1.1458%  10. Overdraft Protection Advances. Overdraft protection advances will begin 
 this Agreement unless federal law applies. The provisions of this Agreement are  transaction record or otherwise as engaged in such business. corresponds to an ANNUAL PERCENTAGE RATE OF 13.75%. The margin may be  only if you designate your Card as an overdraft protection source in writing. If 
 severable. If any provision of this Agreement is held by a court of law to be invalid  reviewed and adjusted annually. The Annual Percentage Rate will not be higher  your checking account does not have suf? cient available funds to cover any item 
 or unenforceable the rest of this Agreement will not be affected. 5. Special Features. You may receive separate information about special features  than 18.00%, regardless of the index rate.  presented and drawn on the account, any overdraft up to your unused credit limit 
 of your Visa or Mastercard account. Your use of such features will be governed  Choice Mastercard Periodic Rate: To determine the Periodic Rate, we take the  will be added to your credit Card account balance under this Agreement, if the 
 1. Acceptance of Cardholder Agreement. By either using the account or signing,  both by the terms of this Agreement and by the terms contained in such separate  �Index Rate,� as de? ned below, add a Margin and divide that number by 12 to  Credit Union pays the item. The Credit Union has the right to refuse overdraft 
 using or accepting the plastic cards(s) issued to you by us (your �Card(s)�), you  information. arrive at the periodic rate. For example, if the index rate were 10.0% and the  advances but will notify you of the refusal. If there is more than one person 
 accept the terms and conditions of this Agreement. All Cards issued to you remain  margin were 3.75%, the Periodic Rate for that billing cycle would be 1.1458%  listed on the checking account (such as a joint checking account) that you have 
 our property and must be returned to us upon request. Once you have received  6. Monthly Payment. Your monthly statement will tell you the total amount that  (10.0% plus 3.75% divided by 12). A periodic rate of 1.1458% corresponds to  linked for Overdraft Protection, then: (1) you will be responsible for all Overdraft 
 your Card, call the phone number shown on the front of the Card to activate your  you owe us, the minimum payment that you must make and your payment due date.  an ANNUAL PERCENTAGE RATE of 13.75%. The margin is based on an evaluation  Protection advances regardless of which person causes any item to be presented 
 Card. By activating your Card, you acknowledge you have received a copy of this  The minimum payment for credit card accounts will be the greater of (1) 2% of the  of your credit history and may be reviewed and adjusted annually. The Annual  or engages in any other transaction that causes the overdraft (checks, ACH, debit 
 disclosure. We may delay or deny access to your account until you have called to  new balance or (2) $35.00. If the new balance of your account is less than $35.00  Percentage Rate will not be higher than 18.00%, regardless of the index rate. Card, etc); and (2) you expressly consent to us disclosing to any other person 
 con? rm that you have received and activated your Card. the minimum payment will be the new balance.  Mastercard Member Rewards Periodic Rate for accounts opened on or after  on that checking account that the checking account is linked to the Card for 
 You may pay the new balance in whole or in part at any time. We will not charge  1/6/2010: To determine the Periodic Rate, we take the �Index Rate� as de? ned  Overdraft Protection. We reserve the right to cancel or suspend your Overdraft 
 2. Credit Line. Your Card account will be an open end account. This means that  you a penalty for paying more than the minimum payment. We will determine at  below, add a Margin and divide that number by 12 to arrive at the periodic rate.  Protection service at any time at our sole discretion, for any reason.
 you may borrow the full amount of the line of credit, repay the principal, accrued  our option, the order in which payments will be applied toward Purchases, Cash  For example, if the index rate were 10.0% and the margin were 4.75%, the Periodic 
 interest and fees in full or in part, and borrow again up to your maximum line  Advances, Balance Transfer, unpaid Finance Charges and other Fees and Charges  Rate for that billing cycle would be 1.2292% (10.0% plus 4.75% divided by 12). A  11. Credit Card Fees. We may charge your Card or your Account for Card related fees. 
 of credit, as long as you continue to be creditworthy and a member of the Credit  in accordance with applicable laws. We may accept checks marked �payment in  periodic rate of 1.2292% corresponds to an ANNUAL PERCENTAGE RATE of 14.75%.  The application and payment of the fee will not correct the situation that caused 
 Union in good standing. To remain in good standing, you must meet your entire  full� or with words of similar effect without losing any of our rights to collect the  The margin is based on an evaluation of your credit history and may be reviewed  the fee to be charged. Please refer to our current Credit Card Pricing Information. 
 loan and account obligations to the Credit Union and comply with applicable laws  full balance of your account with us. In addition, any past due amount is due and  and adjusted annually. The Annual Percentage Rate will not be higher than  Other Fees: (1) If you ask the Credit Union for statement research and 
 and the Credit Union�s bylaws. You agree to not use your Card when the use will  payable immediately. If your balance exceeds your credit limit, we also require that  18.00%, regardless of the index rate.  reconstruction services for any reason, you will be charged the same hourly rate 
 exceed your total credit limit. You also agree that we are not obligated to extend  you pay the over limit amount. Mastercard Gold Card Periodic Rate for accounts opened before 1/6/2010:  then being charged by the Credit Union for all of its checking accounts for that 
 credit to you for an amount that would make your outstanding balance exceed  To determine the Periodic Rate, we take the �Index Rate� as de? ned below, add  service; (2) Additional fees may be charged if agreed between you and us; and, 
 your total credit limit or for any amount if your outstanding balance is already  Any payment submitted to us in the form of a check or other paper document may  7.75 percentage points and divide that number by 12 to arrive at the periodic  (3) To the extent not prohibited by law, if you are in default, you agree to pay our 
 over the total credit limit. We can change your credit limit at any time. If we allow  be converted to an electronic transaction through procedures established by the  rate. For example, if the index rate were 10.0%, the Periodic Rate for that billing  collections costs, attorney�s fees and court costs incurred in enforcing our rights 
 you to use your account for more than your limit, you still agree to pay the full  National Automated Clearing House Association. If this occurs, the original check  cycle would be 1.4792% (10.0% plus 7.75% divided by 12). A periodic rate of  under this Agreement. 
 amount you owe us. We may decline to honor any transactions for any reason. You  or other document that you send to us will not be retained, but a copy would be  1.4792% corresponds to an ANNUAL PERCENTAGE RATE of 17.75%. The margin may  We may waive any of the fees in this Agreement at our discretion; however,
 agree that you will not use your account for any transaction that is illegal under  available if requested. be reviewed and adjusted annually. The Annual Percentage Rate will not be higher  we reserve the right to begin charging any fee that was previously waived without 
 any applicable law. than 18.00%, regardless of the index rate.  providing prior notice to you.
 7. Finance Charges, Grace Period and Index Rate. A FINANCE CHARGE will be  Mastercard Gold Card with Annual Fee Periodic Rate (No longer offered to 
 3. Promise To Pay. You agree to pay us the amount of purchases, cash advances,  imposed on Credit Purchases only if you elect not to pay the entire New Balance of  new Cardholders as of 1/6/2010): To determine the Periodic Rate, we take the  12. Reevaluation of Credit. We can reinvestigate and reevaluate any information 
 balance transfers, fees and ? nance charges that you, your coapplicant and/or  purchases shown on your monthly statement for the previous billing cycle within  �Index Rate� as de? ned below, add 5.75 percentage points and divide that number  you provided on your credit application at any time, and in the course of doing so, 
 authorized users make (even if we didn�t issue a Card in that person�s name) and  25 days from the closing date of that statement. If you elect not to pay the entire  by 12 to arrive at the periodic rate. For example, if the index rate were 10.0%, the  we may ask you for additional information, request credit bureau reports and/or 
 whether or not you notify us that he or she will be using it. Each person who uses  New Balance of purchases shown on your previous monthly statement within that  Periodic Rate for that billing cycle would be 1.3125% (10.0% plus 5.75% divided  otherwise verify your current credit standing.
 the Card(s) or permits another to use the Card(s) agrees to be jointly and severally  25-day period, a FINANCE CHARGE will be imposed on the unpaid average daily  by 12). A periodic rate of 1.3125% corresponds to an ANNUAL PERCENTAGE RATE 
 liable to the Credit Union for all obligations due to the Credit Union hereunder.  balance of such Credit Purchases from the previous statement closing date and on  of 15.75%. The margin may be reviewed and adjusted annually. The Annual  13. Account Closing. We may cancel, revoke, reduce the amount of your credit 
 If another person has use of your account and you want to end that person�s  new Credit Purchases from the date of posting to your account during the current  Percentage Rate will not be higher than 18.00%, regardless of the index rate. line or suspend your rights under this Agreement and require the return of the 
 privilege, you must recover and return that person�s Card, if any. If you are unable  billing cycle, and will continue to accrue until the closing date of the billing cycle  The Index Rate used for calculating your Periodic Rate for a billing cycle is the  Card(s) for any reason, including your default, without notice to you except in 
 to recover and return the Card, you will continue to be liable for any charges made  preceding the date on which the entire New Balance of purchases is paid in full or  Prime Rate published in the Wall Street Journal on the last business day of the  those situations where notice is required by law. You may also close the account 
 unless you tell us to cancel all Cards and establish a new account for you. We will  until the date of payment if more than 25 days from the closing date. A FINANCE  prior month (the �Periodic Rate Adjustment Date�). There are 12 Periodic Rate  at any time by notifying us in writing and returning all Cards. If the account is 
 automatically cancel all Cards if you notify us of unauthorized use. Your obligation  CHARGE will be imposed on each Cash Advance from the transaction date and  Adjustment Dates per year.  closed or we terminate or suspend your credit privileges for any reason, you must 
 to pay the account balance continues even though an agreement, divorce decree  continue daily until the date each Cash Advance is paid in full. Because the Index Rate may go up or down, the Periodic rate applied to your  still repay any unpaid balance you owe to us including charges and or transactions 
 or other court judgment to which we are not a party may direct you or one of the  The FINANCE CHARGE for a billing cycle is computed by applying the monthly  Average Daily Purchases Balance or Average Daily Cash Advance Balance, as the  not yet received by us, as well as subsequent Finance Charges and other charges 
 other persons responsible under this Agreement to pay the account. Periodic Rate to the average daily balance of Credit Purchases and Cash Advances,  case may be, may also increase or decrease, thereby increasing or decreasing the  according to the terms of this Agreement. Each Card is our property and you agree 
 which is determined by dividing the sum of the daily balances during the billing  number of payments you will be required to make in order to repay your Total  that the Cards are not transferable and to surrender any Card upon demand. If this 
 4. Authorizations. Some transactions on your account will require prior approval.  cycle by the number of days in the cycle. Each daily balance of Credit Purchases  New Balance. is a joint account, either person who is liable on the account may give notice to 
 These prior approvals are called �authorizations�. We may limit the number of  and Cash Advances is determined by adding to the outstanding unpaid balance of  The Periodic Rate that is applied to your Average Daily Purchases Balance and  cancel the account, and we may close it without notifying the other liable person.
 authorizations we will give the account during any certain period of time (day,  Credit Purchases and Cash Advances at the beginning of the billing cycle any new  Average Daily Cash Advance Balance appears on your monthly statement. The 
 weekend, week) and we may deny an authorization if we suspect that your  Credit Purchases and Cash Advances posted to your account, and subtracting any  Periodic Rate, in effect at the time of your Card approval, was provided to you in a  14. Default. You will be in default, and we may, without notifying you, temporarily 
 account is being used without your permission. If our authorization system is not  payments as received and credits as posted to your account, but excluding any  separate Credit Union initial welcome and or acceptance letter. suspend your credit, close your account, cancel all Cards issued on it and require 
 working fully, we may be unable to give an authorization. For security reasons,  unpaid FINANCE CHARGES. immediate payment of your entire balance if any of the following occurs:
 we cannot explain the details of how the authorization system works. You agree  VISA FirstCard Periodic Rate: To determine the Periodic Rate, we take the Rate  8. Change In Terms Of Your Account. We can change or add to any terms of  a. You fail to make a payment when it is due;
 that we will not be liable for failing to give an authorization. Transactions at some  divide that number by 12 to arrive at the periodic rate. For example, if the rate  your account at any time. We do not guarantee that the fees and the Annual  b.  You do not follow the terms of this Agreement in any way;
 participating merchants (such as hotels, car rental companies, restaurants and gas  were 12.90% the Periodic Rate for that billing cycle would be  1.075% ( 12.9%  Percentage Rates (APRs) on this account are for any particular length of time.  c.  You have made any false or misleading statement on the application for your 
 stations) may result in authorizations for amounts greater than the actual purchase  divided by 12).  Future changes will be made in accordance with this Agreement and applicable  account;
 amount, which will have the effect of making less credit available on your account  VISA Platinum Periodic Rate for accounts opened on or after 1/6/2010: To  law. We will provide you with such notice as is required by applicable law. Such  d. You fail to pay any other loans you owe us;
 for several days (usually until the date the actual purchase amount is received  determine the Periodic Rate, we take the �Index Rate,� as de? ned below, add a  changes may apply to the existing balance on your account as well as to future  e.  You become insolvent or die;
 from the merchant). We may, but are not required to, authorize transactions that  Margin and divide that number by 12 to arrive at the periodic rate. For example, if  balances in accordance with this Agreement and applicable law. If required by  f.  There is an attachment, execution or levy against your property or you make an 
 will cause the balance on your account to exceed the credit limit, and you agree  the index rate were 10.0% and the margin were 3.75%, the Periodic Rate for that  applicable law, we will permit you to reject certain types of changes, by providing  assignment for the bene? t of creditors;
 that you are liable for any such transactions as well as interest. If you make a  billing cycle would be 1.1458% (10.0% plus 3.75% divided by 12). A periodic rate  us with written notice and closing your account and you would then be permitted  g.  A bankruptcy petition is ? led by or against you or your spouse;
 transaction that would cause you to exceed your total credit limit we may (1)  of 1.1458% corresponds to an ANNUAL PERCENTAGE RATE of 13.75%. The margin  to repay any balance on the account under the terms in effect prior to the change. h.  A guardian, conservator, receiver, custodian or trustee is appointed for you;
 authorize the transaction without increasing your total credit limit; (2) authorize  is based on an evaluation of your credit history and may be reviewed and adjusted  i.  You are generally not paying your debts as they become due; or
   j.  There has been a material adverse change in your ? nancial standing.
  15. Consent To Recover Delinquent Payments From Accounts. 22. Lost Or Stolen Cards. You agree to notify us immediately if your Card is  mistake, you will not have to pay the amount in question or any interest or 
  a.  In consideration for and as a condition of the Credit Union issuing  ever lost or stolen or if unauthorized use may occur. You agree to assist us in  other fees related to that amount.
    a Card(s) to you, you agree that if you fail to make your required  determining the facts, circumstances, and other pertinent information relating to  � While you do not have to pay the amount in question, you are responsible for 
    payments the Credit Union can take any monies on deposit at the  any loss, theft, or possible unauthorized use of your Card(s) and to comply with  the remainder of your balance.
                                                                                                           Credit Card Agreement
    Credit Union in which you have an interest to recover all or part of your  such procedures as we may require in connection with our investigation. We will  � We can apply any unpaid amount against your credit limit.
    delinquent debt without advance notice to you and without waiving  send you a new Card with a new account number to replace the Card that was 
    other rights we have to collect what you owe. This consent is not a  lost or stolen. Although you will be issued a new account number, you will not  26. Your Rights If You Are Dissatis? ed With Your Credit Card Purchases.
    pledge of any shares and will not affect your right to withdraw shares  be considered to have opened a new account, and any existing balance will be  If you are dissatis? ed with the goods or services that you have purchased with  and
    prior to our exercise of our rights following your payment default. This  transferred to the replacement account. your Card, and you have tried in good faith to correct the problem with the 
    consent applies to all funds you voluntarily deposit to Credit Union  merchant, you may have the right not to pay the remaining amount due on the 
    accounts, including funds such as Social Security direct deposit that  23. Foreign Transactions. Purchases and cash advances made with Visa  purchase. Disclosure Statement
    are normally exempt from creditors� remedies (this does not include  and Mastercard outside of the United States and its territories may incur an  To use this right, all of the following must be true:
    your Individual Retirement, KEOGH or SEPP account). You understand  international transaction fee. This fee, which is up to one percentage point (1%)  1.  The purchase must have been made in your home state or within 100 miles of 
    that we will never require you to deposit exempt funds to Credit Union  of the transaction amount, is assessed by Visa and Mastercard. The Credit Union, as  your current mailing address, and the purchase price must have been more than 
    accounts.                         Card issuer, does not assess an additional international transaction fee.  $50. (Note: Neither of these are necessary if your purchase was based on an 
  b.   For Cards secured by Shares, an amount equal to 100% of your credit limit is  Visa. If you engage in a transaction in a currency other than U.S. dollars using a  advertisement we mailed to you, or if we own the company that sold you the 
    held in your Regular Savings Account as collateral for your credit. If you give  Visa Card, Visa International will convert the charge into a U.S. dollar amount. The  goods or services.)
    the Credit Union a speci? c pledge of shares by signing a separate pledge of  exchange rate between the transaction currency and the billing currency used for  2.  You must have used your Card for the purchase. Purchases made with cash 
    shares, your pledged shares will secure your Account. You may not withdraw  processing international transactions is either (a) a rate selected by Visa from the  advances from an ATM or with a check that accesses your Card account do not 
    amounts that have been speci? cally pledged to secure your Account until  range of rates available in wholesale currency markets for the applicable central  qualify.
    the Credit Union agrees to release all or part of the pledged amount. If you  processing date, which rate may vary from the rate Visa itself receives, or (b) the  3.  You must not yet have fully paid for the purchase.
    default in your payments under this Agreement, we have the right to apply  government mandated rate in effect for the applicable central processing date.  If all of the criteria above are met and you are still dissatis? ed with the purchase, 
    the amount speci? cally pledged to pay off this account in full or in part. The currency conversion rate for the processing date may differ from the rate in  contact us in writing at:
  c.   The security interests in this section apply even if your Card(s) is otherwise  effect on the date of the transaction or the date the transaction is posted to your  Northwest Federal Credit Union
    designated �secured� or �unsecured.� billing statement.              ATTN: Card Services Department
                                      Mastercard. If you effect a transaction with your Mastercard Card in a currency  P.O. Box 1229
  16. Attorneys� Fees. You agree to pay all costs incurred by us in collecting your  other than U.S. dollars, Mastercard International Incorporated (�Mastercard�)  Herndon, VA 20172-1229
   indebtedness or in enforcing this agreement including attorney�s fees and  will convert the charge into U.S. dollars using its currency conversion procedure.  While we investigate, the same rules apply to the disputed amount as discussed 
   costs, as well as those costs, expenses and attorney�s fees incurred in appellate,  Currently, the currency conversion rate used by Mastercard for such transactions  above. After we ? nish our investigation, we will tell you our decision. At that 
   bankruptcy and post-judgment proceedings, except to the extent such costs,  is generally either a government mandated rate or a wholesale rate determined  point, if we think you owe an amount and you do not pay we may report you as 
   fees or expenses are prohibited by law. by Mastercard for the processing cycle in which the transaction is processed. The  delinquent.
                                      currency conversion rate used by Mastercard for processing date may differ from 
  17. Returns and Adjustments. Merchants and others who honor the Card may  the rate in effect on the date of the transaction or the date the transaction is  27. Change Of Name, Address, Or Telephone Number(s). You are responsible
   give credit for returns or adjustments, and they will do so by sending us a credit  posted to your billing statement. for promptly notifying us of a change in your name, address (including the e-mail 
   slip, which we will post to your account. If your credits and payments exceed  address(es) you use for online banking with us and any other e-mail address(es) at 
   what you owe us, we will hold and apply this credit balance against future  24. Effect of Agreement and Amendments. This Agreement governs all  which you agree to be contacted), or telephone number(s)(including any wireless 
   purchases and cash advances, or if it is $1.00 or more, refund it on your written  transactions on your account even though the sales, cash advance, credit, or  telephone number(s)).
   request or automatically after 6 months. other slips you sign or receive may contain different terms. We may amend or 
                                      change this Agreement, including rates, at any time. If we do so, we will notify  28. Inactivity. Cards unused and or idle for twelve (12) months or more with a 
  18. Plan Merchant Disputes. We are not liable for the refusal of any plan  you in writing in accordance with the applicable law. However, we may reduce  zero (0) balance will automatically be closed. Should that occur an application and 
   merchant or ? nancial institution to honor your Card. charges, fees and rates without sending you an advance notice. Except as limited  credit approval would be required to establish a new Card account.
                                      by applicable law, any amendment will apply to all then outstanding unpaid 
  19. Additional Bene? ts/Card Enhancements. The Credit Union may from  indebtedness arising from the use of your Card prior to the effective date of the 
   time to time offer additional services to your Account, such as travel accident  amendment. Any such amendment will not require your written consent, but your 
   insurance, discontinue any credit service, or replace your Card with another  consent (if required by applicable law) may be evidenced by your use of the Card 
   Card at no additional cost to you. You understand that the Credit Union is not  after we give you notice of the amendment.
   obligated to offer such services and may withdraw or change them at any time.
                                      25. What To Do If You Think You Find A Mistake On Your Statement. If you 
  20. Use of Card for Illegal or Risky Transactions. You agree that you will not  think there is an error on your statement, write to us at:
  use or allow others to use your Card(s) for illegal transactions such as illegal online  Northwest Federal Credit Union
  gambling. The Credit Union may refuse to honor any transaction we reasonably  ATTN: Card Services Department
  believe to be illegal. However, ultimate responsibility for determining the legality of  P.O. Box 1229
  transactions for which your Card is used rests with you, not with the Credit Union.  Herndon, VA 20172-1229
  You agree to hold us harmless for any damages or other liability arising from a  In your letter, give us the following information:
  transaction initiated by you or your authorized user for the purpose of conducting  �  Account information: Your name and account number.
  an illegal activity, including but not limited to, internet gambling or interstate  �  Dollar amount: The dollar amount of the suspected error.
  sports betting. We reserve the right to decline authorization of transactions for  �  Description of Problem: If you think there is an error on your bill, describe what 
  activities we believe may violate law or pose signi? cant risk to our members or us.  you believe is wrong and why you believe it is a mistake.
  You cannot use the actual or alleged illegality of a transaction for which authorized  You must contact us within 60 days after the error appeared on your statement.
  use of your account was made as a defense to your obligation to pay. 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
  21. Liability for Unauthorized Use. If you believe that your Card may have  may have to pay the amount in question.
  been lost or stolen or that your account number may have been used without  While we investigate whether or not there has been an error, the following
  your authorization you must notify us immediately at: 1-800-336-3384 or via our  are true:
  website, or by writing to: Northwest Federal Credit Union, Attention: Card Services  � We cannot try to collect the amount in question, or report you as delinquent  All information about the VISA and Mastercard Cards described in this
  Department, P.O. Box 1229, Herndon, Virginia 20172-1229. You may be liable for  on that amount. disclosure is current as of 6/1/2017. Subject to change.
  the unauthorized use of your Card depending on the circumstances.  Mastercard  � The charge in question may remain on your statement, and we may continue 
  Cardholders: Depending on the circumstances, you may qualify for zero liability  to charge you interest on that amount. But, if we determine that we made a  GAM (6/1/2017) 3M
  under the Mastercard zero liability program.                                                                Your Lifetime Financial Partner
 15. Consent To Recover Delinquent Payments From Accounts. 22. Lost Or Stolen Cards. You agree to notify us immediately if your Card is  mistake, you will not have to pay the amount in question or any interest or 
 a.  In consideration for and as a condition of the Credit Union issuing  ever lost or stolen or if unauthorized use may occur. You agree to assist us in  other fees related to that amount.
 a Card(s) to you, you agree that if you fail to make your required  determining the facts, circumstances, and other pertinent information relating to  � While you do not have to pay the amount in question, you are responsible for 
 payments the Credit Union can take any monies on deposit at the  any loss, theft, or possible unauthorized use of your Card(s) and to comply with  the remainder of your balance.
                                                                        Credit Card Agreement
 Credit Union in which you have an interest to recover all or part of your  such procedures as we may require in connection with our investigation. We will  � We can apply any unpaid amount against your credit limit.
 delinquent debt without advance notice to you and without waiving  send you a new Card with a new account number to replace the Card that was 
 other rights we have to collect what you owe. This consent is not a  lost or stolen. Although you will be issued a new account number, you will not  26. Your Rights If You Are Dissatis? ed With Your Credit Card Purchases.
 pledge of any shares and will not affect your right to withdraw shares  be considered to have opened a new account, and any existing balance will be  If you are dissatis? ed with the goods or services that you have purchased with  and
 prior to our exercise of our rights following your payment default. This  transferred to the replacement account. your Card, and you have tried in good faith to correct the problem with the 
 consent applies to all funds you voluntarily deposit to Credit Union  merchant, you may have the right not to pay the remaining amount due on the 
 accounts, including funds such as Social Security direct deposit that  23. Foreign Transactions. Purchases and cash advances made with Visa  purchase. Disclosure Statement
 are normally exempt from creditors� remedies (this does not include  and Mastercard outside of the United States and its territories may incur an  To use this right, all of the following must be true:
 your Individual Retirement, KEOGH or SEPP account). You understand  international transaction fee. This fee, which is up to one percentage point (1%)  1.  The purchase must have been made in your home state or within 100 miles of 
 that we will never require you to deposit exempt funds to Credit Union  of the transaction amount, is assessed by Visa and Mastercard. The Credit Union, as  your current mailing address, and the purchase price must have been more than 
 accounts. Card issuer, does not assess an additional international transaction fee.  $50. (Note: Neither of these are necessary if your purchase was based on an 
 b.   For Cards secured by Shares, an amount equal to 100% of your credit limit is  Visa. If you engage in a transaction in a currency other than U.S. dollars using a  advertisement we mailed to you, or if we own the company that sold you the 
 held in your Regular Savings Account as collateral for your credit. If you give  Visa Card, Visa International will convert the charge into a U.S. dollar amount. The  goods or services.)
 the Credit Union a speci? c pledge of shares by signing a separate pledge of  exchange rate between the transaction currency and the billing currency used for  2.  You must have used your Card for the purchase. Purchases made with cash 
 shares, your pledged shares will secure your Account. You may not withdraw  processing international transactions is either (a) a rate selected by Visa from the  advances from an ATM or with a check that accesses your Card account do not 
 amounts that have been speci? cally pledged to secure your Account until  range of rates available in wholesale currency markets for the applicable central  qualify.
 the Credit Union agrees to release all or part of the pledged amount. If you  processing date, which rate may vary from the rate Visa itself receives, or (b) the  3.  You must not yet have fully paid for the purchase.
 default in your payments under this Agreement, we have the right to apply  government mandated rate in effect for the applicable central processing date.  If all of the criteria above are met and you are still dissatis? ed with the purchase, 
 the amount speci? cally pledged to pay off this account in full or in part. The currency conversion rate for the processing date may differ from the rate in  contact us in writing at:
 c.   The security interests in this section apply even if your Card(s) is otherwise  effect on the date of the transaction or the date the transaction is posted to your  Northwest Federal Credit Union
 designated �secured� or �unsecured.� billing statement.  ATTN: Card Services Department
   Mastercard. If you effect a transaction with your Mastercard Card in a currency  P.O. Box 1229
 16. Attorneys� Fees. You agree to pay all costs incurred by us in collecting your  other than U.S. dollars, Mastercard International Incorporated (�Mastercard�)  Herndon, VA 20172-1229
 indebtedness or in enforcing this agreement including attorney�s fees and  will convert the charge into U.S. dollars using its currency conversion procedure.  While we investigate, the same rules apply to the disputed amount as discussed 
 costs, as well as those costs, expenses and attorney�s fees incurred in appellate,  Currently, the currency conversion rate used by Mastercard for such transactions  above. After we ? nish our investigation, we will tell you our decision. At that 
 bankruptcy and post-judgment proceedings, except to the extent such costs,  is generally either a government mandated rate or a wholesale rate determined  point, if we think you owe an amount and you do not pay we may report you as 
 fees or expenses are prohibited by law. by Mastercard for the processing cycle in which the transaction is processed. The  delinquent.
   currency conversion rate used by Mastercard for processing date may differ from 
 17. Returns and Adjustments. Merchants and others who honor the Card may  the rate in effect on the date of the transaction or the date the transaction is  27. Change Of Name, Address, Or Telephone Number(s). You are responsible
 give credit for returns or adjustments, and they will do so by sending us a credit  posted to your billing statement. for promptly notifying us of a change in your name, address (including the e-mail 
 slip, which we will post to your account. If your credits and payments exceed  address(es) you use for online banking with us and any other e-mail address(es) at 
 what you owe us, we will hold and apply this credit balance against future  24. Effect of Agreement and Amendments. This Agreement governs all  which you agree to be contacted), or telephone number(s)(including any wireless 
 purchases and cash advances, or if it is $1.00 or more, refund it on your written  transactions on your account even though the sales, cash advance, credit, or  telephone number(s)).
 request or automatically after 6 months. other slips you sign or receive may contain different terms. We may amend or 
   change this Agreement, including rates, at any time. If we do so, we will notify  28. Inactivity. Cards unused and or idle for twelve (12) months or more with a 
 18. Plan Merchant Disputes. We are not liable for the refusal of any plan  you in writing in accordance with the applicable law. However, we may reduce  zero (0) balance will automatically be closed. Should that occur an application and 
 merchant or ? nancial institution to honor your Card. charges, fees and rates without sending you an advance notice. Except as limited  credit approval would be required to establish a new Card account.
   by applicable law, any amendment will apply to all then outstanding unpaid 
 19. Additional Bene? ts/Card Enhancements. The Credit Union may from  indebtedness arising from the use of your Card prior to the effective date of the 
 time to time offer additional services to your Account, such as travel accident  amendment. Any such amendment will not require your written consent, but your 
 insurance, discontinue any credit service, or replace your Card with another  consent (if required by applicable law) may be evidenced by your use of the Card 
 Card at no additional cost to you. You understand that the Credit Union is not  after we give you notice of the amendment.
 obligated to offer such services and may withdraw or change them at any time.
   25. What To Do If You Think You Find A Mistake On Your Statement. If you 
 20. Use of Card for Illegal or Risky Transactions. You agree that you will not  think there is an error on your statement, write to us at:
 use or allow others to use your Card(s) for illegal transactions such as illegal online  Northwest Federal Credit Union
 gambling. The Credit Union may refuse to honor any transaction we reasonably  ATTN: Card Services Department
 believe to be illegal. However, ultimate responsibility for determining the legality of  P.O. Box 1229
 transactions for which your Card is used rests with you, not with the Credit Union.  Herndon, VA 20172-1229
 You agree to hold us harmless for any damages or other liability arising from a  In your letter, give us the following information:
 transaction initiated by you or your authorized user for the purpose of conducting  �  Account information: Your name and account number.
 an illegal activity, including but not limited to, internet gambling or interstate  �  Dollar amount: The dollar amount of the suspected error.
 sports betting. We reserve the right to decline authorization of transactions for  �  Description of Problem: If you think there is an error on your bill, describe what 
 activities we believe may violate law or pose signi? cant risk to our members or us.  you believe is wrong and why you believe it is a mistake.
 You cannot use the actual or alleged illegality of a transaction for which authorized  You must contact us within 60 days after the error appeared on your statement.
 use of your account was made as a defense to your obligation to pay. 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
 21. Liability for Unauthorized Use. If you believe that your Card may have  may have to pay the amount in question.
 been lost or stolen or that your account number may have been used without  While we investigate whether or not there has been an error, the following
 your authorization you must notify us immediately at: 1-800-336-3384 or via our  are true:
 website, or by writing to: Northwest Federal Credit Union, Attention: Card Services  � We cannot try to collect the amount in question, or report you as delinquent  All information about the VISA and Mastercard Cards described in this
 Department, P.O. Box 1229, Herndon, Virginia 20172-1229. You may be liable for  on that amount. disclosure is current as of 6/1/2017. Subject to change.
 the unauthorized use of your Card depending on the circumstances.  Mastercard  � The charge in question may remain on your statement, and we may continue 
 Cardholders: Depending on the circumstances, you may qualify for zero liability  to charge you interest on that amount. But, if we determine that we made a  GAM (6/1/2017) 3M
 under the Mastercard zero liability program.                              Your Lifetime Financial Partner
 15. Consent To Recover Delinquent Payments From Accounts. 22. Lost Or Stolen Cards. You agree to notify us immediately if your Card is  mistake, you will not have to pay the amount in question or any interest or 
 a.  In consideration for and as a condition of the Credit Union issuing  ever lost or stolen or if unauthorized use may occur. You agree to assist us in  other fees related to that amount.
 a Card(s) to you, you agree that if you fail to make your required  determining the facts, circumstances, and other pertinent information relating to  � While you do not have to pay the amount in question, you are responsible for 
 payments the Credit Union can take any monies on deposit at the  any loss, theft, or possible unauthorized use of your Card(s) and to comply with  the remainder of your balance.
                                     Credit Card Agreement
 Credit Union in which you have an interest to recover all or part of your  such procedures as we may require in connection with our investigation. We will  � We can apply any unpaid amount against your credit limit.
 delinquent debt without advance notice to you and without waiving  send you a new Card with a new account number to replace the Card that was 
 other rights we have to collect what you owe. This consent is not a  lost or stolen. Although you will be issued a new account number, you will not  26. Your Rights If You Are Dissatis? ed With Your Credit Card Purchases.
 pledge of any shares and will not affect your right to withdraw shares  be considered to have opened a new account, and any existing balance will be  If you are dissatis? ed with the goods or services that you have purchased with  and
 prior to our exercise of our rights following your payment default. This  transferred to the replacement account. your Card, and you have tried in good faith to correct the problem with the 
 consent applies to all funds you voluntarily deposit to Credit Union  merchant, you may have the right not to pay the remaining amount due on the 
 accounts, including funds such as Social Security direct deposit that  23. Foreign Transactions. Purchases and cash advances made with Visa  purchase. Disclosure Statement
 are normally exempt from creditors� remedies (this does not include  and Mastercard outside of the United States and its territories may incur an  To use this right, all of the following must be true:
 your Individual Retirement, KEOGH or SEPP account). You understand  international transaction fee. This fee, which is up to one percentage point (1%)  1.  The purchase must have been made in your home state or within 100 miles of 
 that we will never require you to deposit exempt funds to Credit Union  of the transaction amount, is assessed by Visa and Mastercard. The Credit Union, as  your current mailing address, and the purchase price must have been more than 
 accounts. Card issuer, does not assess an additional international transaction fee.  $50. (Note: Neither of these are necessary if your purchase was based on an 
 b.   For Cards secured by Shares, an amount equal to 100% of your credit limit is  Visa. If you engage in a transaction in a currency other than U.S. dollars using a  advertisement we mailed to you, or if we own the company that sold you the 
 held in your Regular Savings Account as collateral for your credit. If you give  Visa Card, Visa International will convert the charge into a U.S. dollar amount. The  goods or services.)
 the Credit Union a speci? c pledge of shares by signing a separate pledge of  exchange rate between the transaction currency and the billing currency used for  2.  You must have used your Card for the purchase. Purchases made with cash 
 shares, your pledged shares will secure your Account. You may not withdraw  processing international transactions is either (a) a rate selected by Visa from the  advances from an ATM or with a check that accesses your Card account do not 
 amounts that have been speci? cally pledged to secure your Account until  range of rates available in wholesale currency markets for the applicable central  qualify.
 the Credit Union agrees to release all or part of the pledged amount. If you  processing date, which rate may vary from the rate Visa itself receives, or (b) the  3.  You must not yet have fully paid for the purchase.
 default in your payments under this Agreement, we have the right to apply  government mandated rate in effect for the applicable central processing date.  If all of the criteria above are met and you are still dissatis? ed with the purchase, 
 the amount speci? cally pledged to pay off this account in full or in part. The currency conversion rate for the processing date may differ from the rate in  contact us in writing at:
 c.   The security interests in this section apply even if your Card(s) is otherwise  effect on the date of the transaction or the date the transaction is posted to your  Northwest Federal Credit Union
 designated �secured� or �unsecured.� billing statement.  ATTN: Card Services Department
 Mastercard. If you effect a transaction with your Mastercard Card in a currency  P.O. Box 1229
 16. Attorneys� Fees. You agree to pay all costs incurred by us in collecting your  other than U.S. dollars, Mastercard International Incorporated (�Mastercard�)  Herndon, VA 20172-1229
 indebtedness or in enforcing this agreement including attorney�s fees and  will convert the charge into U.S. dollars using its currency conversion procedure.  While we investigate, the same rules apply to the disputed amount as discussed 
 costs, as well as those costs, expenses and attorney�s fees incurred in appellate,  Currently, the currency conversion rate used by Mastercard for such transactions  above. After we ? nish our investigation, we will tell you our decision. At that 
 bankruptcy and post-judgment proceedings, except to the extent such costs,  is generally either a government mandated rate or a wholesale rate determined  point, if we think you owe an amount and you do not pay we may report you as 
 fees or expenses are prohibited by law. by Mastercard for the processing cycle in which the transaction is processed. The  delinquent.
 currency conversion rate used by Mastercard for processing date may differ from 
 17. Returns and Adjustments. Merchants and others who honor the Card may  the rate in effect on the date of the transaction or the date the transaction is  27. Change Of Name, Address, Or Telephone Number(s). You are responsible
 give credit for returns or adjustments, and they will do so by sending us a credit  posted to your billing statement. for promptly notifying us of a change in your name, address (including the e-mail 
 slip, which we will post to your account. If your credits and payments exceed  address(es) you use for online banking with us and any other e-mail address(es) at 
 what you owe us, we will hold and apply this credit balance against future  24. Effect of Agreement and Amendments. This Agreement governs all  which you agree to be contacted), or telephone number(s)(including any wireless 
 purchases and cash advances, or if it is $1.00 or more, refund it on your written  transactions on your account even though the sales, cash advance, credit, or  telephone number(s)).
 request or automatically after 6 months. other slips you sign or receive may contain different terms. We may amend or 
 change this Agreement, including rates, at any time. If we do so, we will notify  28. Inactivity. Cards unused and or idle for twelve (12) months or more with a 
 18. Plan Merchant Disputes. We are not liable for the refusal of any plan  you in writing in accordance with the applicable law. However, we may reduce  zero (0) balance will automatically be closed. Should that occur an application and 
 merchant or ? nancial institution to honor your Card. charges, fees and rates without sending you an advance notice. Except as limited  credit approval would be required to establish a new Card account.
 by applicable law, any amendment will apply to all then outstanding unpaid 
 19. Additional Bene? ts/Card Enhancements. The Credit Union may from  indebtedness arising from the use of your Card prior to the effective date of the 
 time to time offer additional services to your Account, such as travel accident  amendment. Any such amendment will not require your written consent, but your 
 insurance, discontinue any credit service, or replace your Card with another  consent (if required by applicable law) may be evidenced by your use of the Card 
 Card at no additional cost to you. You understand that the Credit Union is not  after we give you notice of the amendment.
 obligated to offer such services and may withdraw or change them at any time.
 25. What To Do If You Think You Find A Mistake On Your Statement. If you 
 20. Use of Card for Illegal or Risky Transactions. You agree that you will not  think there is an error on your statement, write to us at:
 use or allow others to use your Card(s) for illegal transactions such as illegal online  Northwest Federal Credit Union
 gambling. The Credit Union may refuse to honor any transaction we reasonably  ATTN: Card Services Department
 believe to be illegal. However, ultimate responsibility for determining the legality of  P.O. Box 1229
 transactions for which your Card is used rests with you, not with the Credit Union.  Herndon, VA 20172-1229
 You agree to hold us harmless for any damages or other liability arising from a  In your letter, give us the following information:
 transaction initiated by you or your authorized user for the purpose of conducting  �  Account information: Your name and account number.
 an illegal activity, including but not limited to, internet gambling or interstate  �  Dollar amount: The dollar amount of the suspected error.
 sports betting. We reserve the right to decline authorization of transactions for  �  Description of Problem: If you think there is an error on your bill, describe what 
 activities we believe may violate law or pose signi? cant risk to our members or us.  you believe is wrong and why you believe it is a mistake.
 You cannot use the actual or alleged illegality of a transaction for which authorized  You must contact us within 60 days after the error appeared on your statement.
 use of your account was made as a defense to your obligation to pay. 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
 21. Liability for Unauthorized Use. If you believe that your Card may have  may have to pay the amount in question.
 been lost or stolen or that your account number may have been used without  While we investigate whether or not there has been an error, the following
 your authorization you must notify us immediately at: 1-800-336-3384 or via our  are true:
 website, or by writing to: Northwest Federal Credit Union, Attention: Card Services  � We cannot try to collect the amount in question, or report you as delinquent  All information about the VISA and Mastercard Cards described in this
 Department, P.O. Box 1229, Herndon, Virginia 20172-1229. You may be liable for  on that amount. disclosure is current as of 6/1/2017. Subject to change.
 the unauthorized use of your Card depending on the circumstances.  Mastercard  � The charge in question may remain on your statement, and we may continue 
 Cardholders: Depending on the circumstances, you may qualify for zero liability  to charge you interest on that amount. But, if we determine that we made a  GAM (6/1/2017) 3M
 under the Mastercard zero liability program.  Your Lifetime Financial Partner