30. Integrated Documents. Any separate document entitled “Truth-in-Lending Statement” or sim-
ilar which is delivered with this Agreement or provided at a later time is an integrated part of this 
Agreement.
31. Notification of Address Change. You will notify us promptly if you change your address for 
any reason. In order to prevent identity theft, your identity may need to be verified before we act 
upon the notification.
32. Copy Received. You acknowledge that you have received a copy of this Agreement. 
33. Governing Law. This Agreement shall be construed under federal law and state law in the state 
in which we are primarily located, and the venue shall be located in the county and state in which we 
are primarily located. Operating regulations of Visa or Mastercard, as applicable, may also apply. This 
Agreement is the contract that applies to all transactions even though the sales, cash advance, conve-
nience check, credit or other slips you sign or receive may contain different terms.
34. NOTICE TO UTAH BORROWERS. This written agreement is a final expression of the agree-
ment between you and the Credit Union. This written agreement may not be contradicted by evi-
dence of any oral agreement.

IMPORTANT DISCLOSURES FOR ACTIVE MEMBERS 
OF THE MILITARY AND THEIR DEPENDENTS:
The following applies if at the time this loan is made you are an active member of 
the military or a dependent (as those terms are defined in the Military Lending Act 
(MLA), 10 U.S.C. 987 and its implementing regulations (“MLA”)), and (a) your loan 
is unsecured or secured by personal property or a vehicle that you did not purchase 
with the proceeds of the loan; or (b) it is otherwise determined by law that the MLA 
applies to your loan. If this loan is a revolving line of credit or credit card, the MLA 
ceases to apply at any time during which you are not a member of the military or a 
dependent (as defined in the MLA).
1. NOTICE: Federal law provides important protections to members of the Armed 
Forces and their dependents relating to extensions of consumer credit. In general, 
the  cost  of  consumer  credit  to  a  member  of  the  Armed  Forces  and  his  or  her 
dependent may not exceed an annual percentage rate of 36 percent. This rate must 
include,  as  applicable  to  the  credit  transaction  or  account:  the  costs  associated 
with credit insurance premiums or debt protection fees; fees for ancillary products 
sold in connection with the credit transaction; any application fee charged (other 
than  certain  application  fees  for  specified  credit  transactions  or  accounts);  and 
any participation fee charged (other than certain participation fees for a credit card 
account).  To  receive  this  notice  verbally,  please  call  1-800-593-1000  during  our 
normal business hours.
2. This loan will not be secured by a consensual lien on shares or deposits in any 
of your accounts unless you agree to establish an account in connection with this 
loan (“Secured Account”). Only funds deposited into the Secured Account after the 
loan is made will secure this loan. Any cross-collateralization provision contained in 
your loan or account documents will not apply to the Secured Account or your other 
share or deposit accounts for any loan subject to the Military Lending Act.
However, we reserve our statutory lien rights and rights to set-off or administrative 
freeze under federal or state law, which gives us the right to apply the sums in the 
Secured Account or any other account(s) you have with us to satisfy your obliga-
tions under this loan.
3. Any reference in this consumer credit contract to the following are hereby inappli-
cable to your loan: (a) Mandatory arbitration; (b) Any requirement(s) to waive your 
rights to legal recourse under any applicable state or federal law; (c) Any demands 
or requirements construed as unreasonable notice from you in order to exercise 
your legal rights; or (d) Prepayment penalties.
4.  Any  provisions  in  your  consumer  credit  contract,  loan,  security,  or  account 
agreements that are determined to be inconsistent with or contradictory to these 
disclosures or the MLA (as they may be changed or amended from time to time) 
are inapplicable with regard to this loan. However, all other terms and conditions of 
the consumer credit contract shall remain in full force and effect.

YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE

This notice tells you about your rights and our responsibilities under the Fair Credit Billing 
Act.

What To Do If You Find A Mistake On Your Statement
If  you  think  there  is  an  error  on  your  statement,  write  to  us  at  the  address(es)  listed  on  your 
statement.
In your letter, give us the following information: 

1.  Your name and account number.
2.  The dollar amount of the suspected error.
3. 

If you think there is an error on your bill, describe what you believe is wrong and why you 
believe it is a mistake.

You must contact us:

•  Within 60 days after the error appeared on your statement.
• 

At least 3 business days before an automated payment is scheduled, if you want to stop 
payment on the amount you think is wrong.

You must notify us of any potential errors in writing. You may call us, but if you do, we are not 
required to investigate any potential errors and you may have to pay the amount in question.

What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:

1.  Within 30 days of receiving your letter, we must tell you that we received your letter. We 

will also tell you if we have already corrected the error.

2.  Within 90 days of receiving your letter, we must either correct the error or explain to you 

why we believe the bill is correct.

While we investigate whether or not there has been an error:

•  We cannot try to collect the amount in question, or report you as delinquent on that amount.
The charge in question may remain on your statement, and we may continue to charge you 
• 
interest on that amount.

•  While you do not have to pay the amount in question, you are responsible for the remainder 

of your balance.

•  We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen:

• 

• 

If we made a mistake: You will not have to pay the amount in question or any interest or 
other fees related to that amount.
If we do not believe there was a mistake: You will have to pay the amount in question, along with 
applicable interest and fees. We will send you a statement of the amount you owe and the date 
payment is due. We may then report you as delinquent if you do not pay the amount we think 
you owe.

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 
days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without 
also reporting that you are questioning your bill. We must tell you the name of anyone to whom 
we reported you as delinquent, and we must let those organizations know when the matter has 
been settled between us.
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you 
question even if your bill is correct.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased with your credit card, and 
you have tried in good faith to correct the problem with the merchant, you may have the right not to 
pay the remaining amount due on the purchase. To use this right, all of the following must be true:
1.  The purchase must have been made in your home state or within 100 miles of your current 
mailing address, and the purchase price must have been more than $50. (Note: Neither of 
these are necessary if your purchase was based on an advertisement we mailed to you, or 
if we own the company that sold you the goods or services.)

2.  You  must  have  used  your  credit  card  for  the  purchase.  Purchases  made  with  cash 
advances  from  an  ATM  or  with  a  check  that  accesses  your  credit  card  account  do  not 
qualify.

3.  You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in 
writing at the address(es) listed on your statement.
While we investigate, the same rules apply to the disputed amount as discussed above. After we 
finish our investigation, we will tell you our decision. At that point, if we think you owe an amount 
and you do not pay, we may report you as delinquent.

FI13537 Rev 8-2021
©2005 Securian Financial Group, Inc. All rights reserved.

M-900502

1600 Medical Drive
Pottstown, PA 19464
(610) 326-5490  •  (800) 593-1000
FAX (610) 326-5973
www.diamondcu.org

MASTERCARD CREDIT CARD AGREEMENT

In this Agreement, “You” and “your” mean any person who accepts this Agree-
ment or uses the Card. The “Card” means any Platinum Mastercard or Platinum 
Mastercard with CU Rewards credit card issued to you or those designated by 
you under the terms of this Agreement. “We,” “us” or the “Credit Union” means 
Diamond Credit Union or its successors. By using your card, you agree to all of 
the terms and conditions set forth herein.

THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR 
THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT.
YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY INTER-
EST  IN  ALL  INDIVIDUAL  AND  JOINT  ACCOUNTS  YOU  HAVE  WITH 
US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF CREDIT 
EXTENDED  UNDER  THIS  AGREEMENT.  YOU  ALSO  AGREE  THAT 
WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE AND/
OR FEDERAL LAW. IF YOU ARE IN DEFAULT, WE CAN APPLY YOUR 
SHARES TO THE AMOUNT YOU OWE.
Shares and deposits in an Individual Retirement Account or any other ac-
count that would lose special tax treatment under state or federal law if given 
are not subject to this security interest.
If you have other loans with us, collateral securing such loans will also se-
cure your obligations under this Agreement, unless that other collateral is 
your principal residence or non-purchase money household goods. 

1. Using Your Card. Using your Card constitutes your acceptance of the terms 
and conditions of this Agreement, as may be amended from time to time. You 
can purchase or lease goods and services (“Purchases”) from any merchant 
who honors your Card up to your maximum credit limit for your Card. You may 
also use the Card to obtain cash advances up to your maximum credit limit from 
financial institutions and ATMs that accept the Card. You may also access your 
account by telephone or access checks (if provided to you). Certain purchases 
and cash advances require authorization prior to completion of the transaction. 
In some cases, you may be asked to provide identification. If our system is not 
working, we may not be able to authorize a transaction, even though you have 
sufficient credit available. Also, for security reasons, we may block the use of 
your Card in certain countries or geographic areas. We will have no liability to 
you or others if any of these events occur. 

2. Feature Categories. Your account has Feature Categories which may in-
clude Platinum Mastercard and Platinum Mastercard with CU Rewards.

3. Credit Limits. We will notify you of each specific credit limit for each Feature 
Category for which you are approved. You agree to keep your unpaid balance 
within your credit limit; however, if you do exceed your credit limit, you agree to 
immediately pay any amount over the credit limit upon our demand, regardless of 
whether we authorized the advance(s) which caused you to exceed your credit 
limit. We reserve the right to increase or reduce your credit limit at any time. We 
base this decision on a variety or factors such as your payment and transaction 
history with us, information we receive from third parties, including but not limited 
to credit reporting agencies and for any other reason permitted by law. We will 
provide you with  notice of the change to the extent required by applicable law.

4. Personal Identification Number (PIN). We will issue a Personal Identification Number (PIN) 
for use with your Card. This PIN is confidential and should not be disclosed to anyone. You may 
use your PIN and your Card to access your account, and all sums advanced will be added to your 
account balance. In the event a use of your PIN constitutes an Electronic Funds Transfer, the terms 
and conditions of your Electronic Funds Transfer Agreement may affect your rights.

5. Promise To Pay. Regardless of the means used to access your account, you promise to pay us 
in U.S. dollars for (a) all purchases, cash advances, and balance transfers made by you or anyone 
whom you authorize to use the Card; (b) all Interest Charges and other charges or fees; (c) collection 
costs and attorney’s fees as permitted by applicable law, and any costs incurred in the recovery of 
the Card; and (d) credit in excess of your credit limit that we may extend to you.

6. Illegal Transactions: You agree that your Card and account will not be used to make or facilitate 
any illegal transactions as determined by applicable law; and that any such use will constitute an event 
of default under this Agreement. We may decline any transaction that we believe to be illegal under 
applicable law, including but not limited to any transaction involving or relating to any gambling activity. 
You agree that we will have no liability or responsibility for any such use by you or any authorized 
user(s); or for declining any such transaction. You further agree to indemnify and hold us harmless 
from any suits, liability, damages or adverse action of any kind that results directly or indirectly from 
such illegal use. You promise to pay us any and all amounts owing on your Card for any transactions 
made by you, even if the transaction is determined to be illegal.

7. Joint Accounts. Each of you will be responsible, jointly and severally, for the repayment of 
amounts owed, regardless of who initiated any transaction under the account.

8. Ownership of Card. Your Card remains our property and may be cancelled by us at any time 
without notice. You agree to surrender your Card and to discontinue use of the account immediately 
upon our request.

9. Others Using Your Account. If you allow anyone else to use your account, you will be liable for 
all credit extended to such persons. You promise to pay for all purchases and advances made by 
anyone you authorize to use your account, whether or not you notify us that he or she will be using 
it. If someone else is authorized to use your account and you want to end that person’s privilege, 
you must notify us in writing, and if he or she has a Card, you must return that Card with your written 
notice for it to be effective. 

10. Interest Charges. You agree to pay interest at the rate(s) disclosed to you at the time you 
open your account and as may be changed from time to time in accordance with applicable law. 
Interest Charges will accrue on your average daily balance outstanding during the month (new and 
previous). To get the average daily balance, we take the beginning balance each day, add any new 
purchases, cash advances, balance transfers, insurance premiums or debt protection fees or similar 
fees, and debit adjustments and subtract any unpaid late charges. This gives us the daily balance. 
Then, we add up all the daily balances for the billing cycle and divide that by the number of days 
in the billing cycle. We then multiply that by the monthly periodic rate corresponding to the Annual 
Percentage Rate that was previously disclosed to you.
You can avoid Interest Charges on purchases by paying the full amount of the entire balance for 
purchases each month by the date on which the payment is due. Otherwise, the new balance for 
purchases, and subsequent advances from the date they are posted to the account, will be subject 
to an Interest Charge. You cannot avoid Interest Charges on cash advances and balance transfers; 
even if you pay the entire cash advance balance or balance transfer balance by the payment due 
date, you will incur the Interest Charges accrued from the transaction date of the cash advance or 
balance transfer.

11. Fees. You agree to pay any and all fees that you incur in connection with your Card, in accordance 
with applicable law, in the amounts set forth on your Truth-in-Lending Statement, which fees and/or 
amounts may be amended from time to time.

12. Minimum Monthly Payments. Your minimum monthly payment will be 1.5% of your total New 
Balance shown on your billing statement at the end of each billing cycle, plus the amount of any 
prior payments dues that remain unpaid, subject to the lesser of $25 or your account balance. In 
addition, any time that your total New Balance exceeds your credit limit, you must immediately pay 
the excess upon our demand. You have the right to pay your account in full at any time without 
penalty. Partial payments or prepayments will not delay your next scheduled payment – you will 
still need to make the minimum scheduled payment by the next scheduled due date to keep your 
account current. Payments will be applied in any order we determine, subject to applicable law. 
You understand that any payment that delays the repayment of your unpaid balance will increase 

your Interest Charge and any payment that accelerates the reduction of your unpaid balance will 
decrease your Interest Charges.

13. If Your Card is Lost or Stolen or if an Unauthorized Use Occurs. You agree to notify us 
immediately if your Card is ever lost or stolen or if an unauthorized use may have occurred. “Un-
authorized use” means the use of the Card by someone other than you who does not have actual, 
implied or apparent authority for such use, and from which you receive no benefit. Call or write to 
us at (800) 593-1000 or (610) 326-5490 or Diamond Credit Union, 1600 Medical Drive, Pottstown, 
PA 19464. You also agree to assist us in determining the facts, circumstances and other pertinent 
information relating to any loss, theft or possible unauthorized use of your Card and comply with 
such procedures as we may require in connection with our investigation. You will have no liability for 
Mastercard transactions not authorized by you, provided that you have exercised reasonable care 
in safeguarding the Card from risk of loss or theft, and upon becoming aware of such loss or theft, 
you promptly report the loss or theft to us.

14. Crediting Of Payments. Payments are due on the date disclosed on your monthly statement. If 
your payment is received by us either by mail, electronically, or in-person at a branch during regular 
business hours on a business day, it will be credited to your account as of that date. Payments 
placed in our lockbox between 6 a.m. and 5 p.m. EST will be credited to your account as of the date 
placed in the  lockbox. If payment is made by any other means or at any other times, credit for such 
payment may be delayed up to five (5) days. Payments will be applied in any order we determine, 
subject to applicable law.

15. Default; Acceleration; Credit Suspension; Collection Costs. You will be in default if: (a) 
you fail to make any payment on time; (b) if you fail to keep any promises you have made under 
this Agreement or under other Agreements you have with us; (c) if you die; (d) if you file a petition 
in bankruptcy or have a bankruptcy petition filed against you, or if you become involved in any 
insolvency, receivership or custodial proceeding; (e) if anyone attempts to take any of your funds 
held by us via legal process or if you have a judgment or tax lien filed against you; (f) if you make 
any false, inaccurate, or misleading statements in any credit application or credit update; or (g) if 
we, in good faith, believe that your ability to repay what you owe is or soon will be impaired, or that 
you are unwilling to make your payments.

If you are in default, we have the right to demand immediate payment of your full account balance 
without giving you notice. If immediate payment is demanded, you agree to continue paying Interest 
Charges until what you owe has been paid, and any shares that were given as security for your 
account may be applied toward what you owe. You agree to pay all reasonable costs of collection, 
including court costs and attorney’s fees, and any cost incurred in the recovery of the Card. Even if 
your unpaid balance is less than your credit limit, you will have no credit available during any time 
that any aspect of your account is in default.  

16. Suspension of electronic services and access to share or deposit accounts. Subject to ap-
plicable law, we may suspend some or all electronic services and access to your checking or other 
account(s) if you become delinquent on any of your loan or deposit obligations to us or you cause a 
loss to us. We shall not be liable to you in any regard in connection with such suspension of services.

17. Additional Benefits/Card Enhancements. We may, from time to time, offer additional services 
to your Account at no additional cost to you. You understand that we are not obligated to offer such 
services and may withdraw or change them at any time. 

18. Convenience Checks. We may, at our discretion, issue checks to you which may be used for 
any purpose other than making a payment for credit to your account. By signing such check, you 
authorize us to pay the item for the amount indicated and post such amount as a cash advance to 
your account. We do not have to pay any item which would cause the outstanding balance in your 
account to exceed your credit limit. 

19. Debt Protection. Voluntary Debt Protection coverage or similar products are not required for 
any extension of credit under this Agreement. However, if you choose to purchase this protec-
tion from us, the fees will be added to your account balance each month and will accrue Interest 
Charges. We will receive a portion of the fees that you pay as compensation for offering this service 
to you. If you elect to purchase Debt Protection, we will provide the required disclosures and pro-
gram contract separately at the time of your election.

20. Transaction Slips. Your monthly statement will identify what merchant, electronic terminal or 
financial institution at which transactions were made. Sales, cash advance, credit or other slips 
cannot be returned with the statement.

21. Credit Information. We may, from time to time, request personal information from you or obtain 
credit reports from the credit reporting agencies for the purpose of updating your credit status. 
Your failure to provide such information when requested by us may result in suspension of credit 
privileges under this Agreement, including your ability to obtain any future advances by any means. 
You authorize us to investigate your credit standing when opening or reviewing your account. You 
authorize us to disclose information regarding your account to credit bureau and creditors who 
inquire about your credit standing.

22. Foreign Transactions; Currency Conversion. Purchases and cash advances made in foreign 
currencies will be billed to you in U.S. dollars. Transactions processed outside of the United States 
(which may include internet transactions) will be charged a foreign transaction fee in an amount 
to be determined by us, regardless of whether there is a currency conversion associated with the 
transaction. The conversion rate in dollars will be a rate selected by the card company from a range 
of rates available in wholesale currency markets for the applicable central processing date, which 
rate may vary from the rate the card company itself receives, or the government-mandated rate in 
effect for the applicable central processing date in each instance.

23. Termination; Change-in-Terms. We may, by written notice, terminate this Agreement at any 
time, subject to applicable law. You may terminate this Agreement by written notice. Termination by 
either party shall not affect your obligation to repay any payments made for your account resulting 
from use of the Card as well as Interest Charges and fees incurred.  We may change the terms of 
this Agreement, including the method of calculating the periodic rate, at any time, by written notice, 
subject to applicable law.  To the extent permitted by applicable law, such rate changes shall apply 
to your unpaid balance as well as future advances. Use of the Card constitutes agreement and 
acceptance of any change in terms, unless applicable law requires otherwise.  

24. Late or Partial Payments. Any payment that delays the reduction of your balance will increase 
your total interest costs. Partial payments or prepayments will not delay your next scheduled pay-
ment - you will still need to make the minimum scheduled payment by the next scheduled due date 
to keep your account current. We may accept late payments, partial payments, checks or money 
orders marked “payment in full” and such action shall not constitute final settlement of your account 
or a waiver or forgiveness of any amounts owing under this Agreement.

25. Enforcement. We do not lose our rights under this or any related agreement if we delay enforcing 
them. We can accept late payments, partial payments or any other payments, even if marked, “paid in 
full” without losing any of our rights under this Agreement. If any provision of this or any related agree-
ment is determined to be unenforceable or invalid, all other provisions remain in full force and effect.

26. Returns and Adjustments. Merchants and others who honor the Card may give credit for 
returns or adjustments, and they will do so by submitting a credit slip which will be posted to your 
account. If your credits and payments exceed what you owe us, the amount will be applied against 
future purchases and cash advances. If the credit balance amount is more than $5 but less than 
$500, and if that credit balance still remains on your account after 3 billing cycles, we will mail a 
refund to you at the most recent address we have on file for you.

27. Refusal to Honor Card. We are not liable for the refusal or inability of merchants, financial 
institutions (including us) and others to accept the Card, or electronic terminals to honor the Card or 
complete a Card withdrawal, or for their retention of the Card.

28. Plan Merchant Disputes. We are not responsible for the refusal of any plan merchant or fi-
nancial institution to honor your Card. Also, we are not responsible for goods or services that you 
purchase with the Card unless: (a) your purchase was made in response to an advertisement we 
sent or participated in sending you; or (b) your purchase cost more than $50 and was made from 
a plan merchant in your state or within 100 miles of your home; and only if you have made a good 
faith attempt, but have been unable to obtain satisfaction from the plan merchant. You must resolve 
all other disputes directly with the plan merchant. We do not warrant any merchandise or services 
purchased by you with the Card.

29. Statements and Notices. Statements and notices will be mailed to you at the most recent postal 
address or e-mail address (if you have elected to receive such documents via electronic means) that 
you have given us. Statements will be sent each month in which there is a debit or credit balance or 
when an Interest Charge is imposed. If you have elected to receive a statement via e-mail, you will 
not be sent a paper statement. We need not send you a statement if we feel your account is uncol-
lectible or if we have started collection proceedings against your account because you defaulted. 
Each statement is deemed to be a correct statement of account unless you establish a billing error 
pursuant to the Fair Credit Billing Act. Notice sent to any one of you will be considered notice to all.