In  this  Visa®  Platinum  Credit  Card  Agreement  and  Federal  Truth-in-Lending  Disclosure  Statement  (“Agreement  and  Disclosure 
Statement”) the words “I,” “me,” “my” and “mine” mean each and all of those who apply for or use the First Technology Federal Credit 
Union Visa Platinum Credit Card. “Credit Union,” “you,” “your” and “yours” mean First Technology Federal Credit Union. “Card” means 
the Visa Platinum Credit Card issued to me and any duplicates and/or renewals you may issue. “Account” means my Visa Platinum 
Credit Card Account with you. 

By requesting and receiving, signing, using or permitting others to use the Card and/or Account issued to me by you, I agree to be 
bound by the terms and conditions as set forth herein and any amendments thereto. 

NOTICE: THIS DOCUMENT CONTAINS PROVISIONS FOR A VARIABLE ANNUAL PERCENTAGE RATE. 

AUTHORIZATION AND PAYMENT: I authorize you to pay and charge my Account for all Purchases and Cash Advances made or obtained 
by me or anyone I authorize to use my Card or Account. I will be obligated to pay all such Purchases and Cash Advances charged to my 
Account whether resulting from: (1) actual use of my Card; (2) mail order or telephone, computer or other electronic Purchases made 
without presenting the Card; or (3) any other circumstance where I authorize a charge, or authorize someone else to make a charge, 
to my Account (collectively, “authorized charges”). I promise to pay you or to your order in U.S. Dollars with an instrument(s) drawn 
on a financial institution in the United States at your office or at the address set forth on my periodic statement, all authorized charges 
on the terms and at the rates set forth herein, plus any interest charges and finance charges assessed on my Account and any other 
charges and fees which I may owe you under the terms of this Agreement and Disclosure Statement. Payments will continue until I have 
paid in full the unpaid balance, accrued interest charges, and all collection-related charges, and any other fees and charges. 

INTEREST CHARGES: The interest charge for my billing cycle will include three (3) components: (1) interest charges for purchases; (2) 
interest charges for cash advances; and (3) interest charges for balance transfers. 

INTRODUCTORY AND PROMOTIONAL RATES: You may, at your option, offer me for a limited time introductory or promotional rates 
for all or part of the new Purchase, Advance or Balance Transfers posted to my Account. You will tell me in the Offer Materials the 
introductory or promotional rate and the period of the time, during which that rate will be in effect and any conditions or requirements 
of the offer. Unless the Offer Materials state otherwise or you are in default an introductory or promotional rate will remain in effect 
until the last day of the billing cycle in which the introductory or promotional rate expires. Any introductory or promotional rate that 
applies to new or outstanding Account balances will increase to the standard rate that would otherwise apply upon expiration. 

DETERMINATION OF ANNUAL PERCENTAGE RATE: My ANNUAL PERCENTAGE RATE is determined individually and will be based in part on 
my credit history at the time of application. My Initial Monthly Periodic Rates and corresponding ANNUAL PERCENTAGE RATES will be set 
forth in a separate Account Opening Disclosure, which is fully incorporated and becomes part of this Agreement and Disclosure Statement. 

HOW YOU DETERMINE MY ANNUAL PERCENTAGE RATE: The ANNUAL PERCENTAGE RATE may increase or decrease during the term of 
this Agreement and Disclosure Statement. Any such change will be based on an increase or decrease of the “Prime Rate” as published 
in the Western Edition of the Wall Street Journal on the 15th of each month (or the first business day thereafter in the event the 15th 
falls on a non-business day) (herein “Index”). In no event will the ANNUAL PERCENTAGE RATE exceed the maximum rate permitted to 
be charged by federally-chartered Credit Unions. In the event the Index ceases to be published, changes in the ANNUAL PERCENTAGE 
RATE will be related to a comparable Index of our choosing. 

The ANNUAL PERCENTAGE RATE initially applicable to all Purchases, Balance Transfers and Cash Advances balances for my Account is 
set forth in the Account Opening Disclosure. If applicable to my account, the Penalty ANNUAL PERCENTAGE RATE is also set forth in the 
Account Opening Disclosure. 

My ANNUAL PERCENTAGE RATE is subject to change every month on the day following my “Statement Closing Date”. These dates shall 
be known as “Adjustment Dates”. The Index in effect as of the 15th of the month shall be used to calculate the ANNUAL PERCENTAGE 
RATE change effective as of the Adjustment Date. For example, the Index in effect on January 15th will be used to calculate the ANNUAL 
PERCENTAGE RATE change effective as of the Adjustment Date in February of the same year. We add a “margin” to the index value to 
calculate your ANNUAL PERCENTAGE RATES. The amount of my margins for purchases, balance transfers, and cash advances appears 

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First Technology Federal Credit Union VISA® Platinum Credit Card Agreement and Federal Truth-in-Lending Disclosure StatementEffective: June 22, 2103855.855.8805 | firsttechfed.comPO Box 2100  Beaverton, OR 97075-21007-7300-0413Federally insured by NCUA.on the Account Opening Disclosure. Decreases in the ANNUAL PERCENTAGE RATE in accordance with the terms of this Agreement 
and  Disclosure  Statement  are  mandatory  and  increases  in  the  ANNUAL  PERCENTAGE  RATE  are  at  your  discretion.  If  the  ANNUAL 
PERCENTAGE RATE and Monthly Periodic Rate increases or decreases, the interest charge will increase or decrease. Each change in the 
ANNUAL PERCENTAGE RATE and Monthly Periodic Rate will apply to any balance outstanding on the effective date of such change as 
well as to future purchases and cash advances to the extent permitted by law. Any increase or decrease in the ANNUAL PERCENTAGE 
RATE may result in changes in the number of payments required to repay the unpaid balance and/or an increase in the minimum 
payment due. 

MONTHLY  PERIODIC  RATE,  ANNUAL  PERCENTAGE  RATE  AND  PENALTY  ANNUAL  PERCENTAGE  RATE:  The  interest  charge  for  each 
billing cycle will be calculated by applying the monthly periodic rate to the Average Daily Balance (described below) for my account. The 
Monthly Periodic Rate is determined by dividing the ANNUAL PERCENTAGE RATE by 12 and will change when the ANNUAL PERCENTAGE 
RATE changes. Any changes to the ANNUAL PERCENTAGE RATE will be reflected on my periodic statement. 

CHANGE OF TERMS: Account and agreement terms are not guaranteed for any period of time. I understand and agree that you may 
amend, modify, add to, or delete from this Agreement and Disclosure Statement any of its terms and conditions, including financial 
terms such as the method of application and the amount of any interest charge, Transaction Fee, or other finance charge, ANNUAL 
PERCENTAGE RATE, monthly periodic rate, and/or fee in accordance with applicable laws. If required by applicable law, you will mail a 
notice of the change to me at my last known address. I also understand that in the event of a significant change, as defined under the 
Federal Truth in Lending Act/ Regulation Z, any such notice will be mailed at least forty-five (45) days prior to the effective date of the 
significant change as required by applicable law. If you are required by applicable law to provide me a right to reject significant changes 
to this Agreement and Disclosure Statement prior to the effective date of such changes, you will provide me with an explanation of how 
to reject the significant changes, unless I fail to make a required minimum payment within sixty (60) days after its due date. You may 
change the terms of this Agreement and Disclosure Statement based on information in my credit report, market conditions, business 
strategy or for any other reason. Notice of a change in terms will be provided as required by law. 

HOW TO COMPUTE THE PURCHASE BALANCE UPON WHICH INTEREST CHARGES ARE ASSESSED: 

To  avoid  incurring  additional  interest  charges  on  the  balance  of  Purchases  reflected  on  each  periodic  statement  and  on  any  new 
Purchases appearing on my next statement, I must pay the New Balance shown on each periodic statement on or before the Payment 
Due Date. The interest charges for a billing cycle are computed by applying the Monthly Periodic Rate to the average daily balance of 
Purchases, which is determined by dividing the sum of the daily balances for the billing cycle by the number of days in the cycle. Each 
daily balance is determined by subtracting from the Previous Balance (the outstanding balance on my Account at the beginning of the 
billing cycle) any payments as received and credits as posted to my Account, and excluding any unpaid interest charges. We do not add 
in new Purchases.

HOW TO COMPUTE THE ADVANCES BALANCE UPON WHICH PERIODIC INTEREST CHARGES ARE ASSESSED: 

The interest charges on Cash Advances and Balance Transfers begins to accrue on the transaction date or the first day of the billing cycle 
in which it is posted to my Account, whichever is later. There is no “free ride” period (grace period). The interest charges for a billing 
cycle are computed by applying the Monthly Periodic Rate to the average daily balance during the billing cycle, which is determined by 
dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance is determined by 
adding to the Previous Balance (the outstanding balance on my Account at the beginning of the billing cycle) any new Cash Advances 
or Balance Transfers made on the Account, and subtracting any payments as received or credits as posted to my Account, but excluding 
any unpaid interest charges.

GRACE PERIOD: I will not incur additional  interest charges if I pay the New Balance by the due date provided that either: (1) you 
received payment in full of the ending balance for the previous billing cycle by the Payment Due Date disclosed in the previous billing 
cycle’s periodic statement; or (2) the previous billing cycle’s ending balance was $0. If I have a grace period to pay the New Balance for 
any billing cycle, and do not pay the New Balance in full during this grace period, interest charges will be assessed on any portion of 

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First Technology Federal Credit Union VISA® Platinum Credit Card Agreement and Federal Truth-in-Lending Disclosure StatementEffective: June 22, 2103855.855.8805 | firsttechfed.comPO Box 2100  Beaverton, OR 97075-21007-7300-0413Federally insured by NCUA.the New Balance not paid during the grace period using the Average Daily Balance method as explained above. The Payment Due Date 
disclosed on each periodic statement provided to me is the last day of my grace period for that statement’s billing cycle. For more on 
how payments are applied to purchases, advances or balance transfers, see “Minimum Payment” below.

MINIMUM PAYMENT: Every month, I must pay at least the Minimum Payment Due by the Payment Due Date shown on my periodic 
statement. By separate agreement, I may authorize you to automatically transfer the Minimum Payment Due from my Credit Union 
share or share draft account. I may pay more frequently, pay more or pay the New Balance in full, and I will reduce my interest charges 
by doing so. The Minimum Payment Due will be either: (a) 2% of my New Balance, or $25.00, whichever is greater; or (b) my New 
Balance, if less than $25.00. 

In addition, I must pay any amount on my periodic statement listed as past due and any late charge. 

I understand and agree that any payment made by me will be applied in the following order: (a) unpaid fees and charges, if any; (b) 
unpaid interest charges due on both purchases and cash advances; (c) outstanding principal balances of cash advances and purchases 
previously billed; and (d) current cash advances and purchases. If two or more transactions are posted on the same day, my payment 
will be applied first to the smaller of them. Payments made in excess of the minimum payment will generally be applied to balances 
with higher APRs first before balances with lower ones. 

SKIP PAYMENT OPTION: At your discretion, you may occasionally offer me an opportunity to skip my obligation to make the Minimum 
Payment  due.  I  may  not  skip  payments  unless  you  make  this  offer  to  me.  I  cannot  accept  a  skip  payment  offer  if  my  Account  is 
delinquent, or is in Default. When I take advantage of a skip payment offer, the interest will continue to accrue on the entire unpaid 
balance of my Account. 

LATE PAYMENT FEE: You may charge a Late Payment Fee to my Account in any month in which the Minimum Payment Due is not 
received by you by the payment due date. The amount of the late payment fee is provided in the Account Opening Disclosure.

RETURNED PAYMENT FEE: If a payment that was applied to my Account is returned to you unpaid for any reason, I will be charged a 
Returned Payment Fee. This fee will also apply to any payments made by automatic transfer that cannot be posted due to insufficient 
funds in my regular share or checking account. The amount of the returned payment fee is provided in the Account Opening Disclosure.

ADDITIONAL FEES: You may charge additional fees to my account in any month, as applicable. The types and amounts for these fees 
are provided in the Account Opening Disclosure.

DEBT PROTECTION COVERAGE: If credit protection is offered on the Account and I request it, the premium will be calculated monthly by 
multiplying the premium rate by the outstanding balance on the Account. You will add the premium amount to the Account balance on 
the Billing Cycle Closing Date. The purchase of this insurance is entirely voluntary and is not required for credit approval. I acknowledge 
receiving a copy of the credit protection documents which contain current rates and other information. I understand and agree that 
if I have requested this protectioncoverage, I will be obligated to pay the premium(s) indicated on the election form which has been 
included as part of my payment. If I decide to cancel such protection, I must do so in writing and I agree to pay all premiums up to the 
date you act on my request to cancel. 

CREDIT LIMIT: You will set a maximumcredit limit for my Account. You may change the credit limit at any time, with or without notice 
to me, subject to applicable law. I agree not to exceed or attempt to exceed the credit limit. Additionally, the maximum combined daily 
limit for purchases and advances is $10,000.00 or the remainder of the Credit Limit, whichever is lower. I understand and agree that all 
purchases, cash advances and other transactions requested by me or anyone I have permitted to use the Card(s) and/or Account are 
considered authorized by me and are subject to your approval. 

OVERDRAFT PROTECTION: This section applies only if I have specifically requested and have obtained Overdraft Protection linking the 
Account with a designated First Technology Federal Credit Union checking account. An Overdraft Protection Advance is an advance of 
funds to my designated checking account from this Account that will prevent or cover overdrafts on my checking account. I authorize 
you to make Overdraft Protection Advances from the Account as provided in this Agreement and Disclosure Statement. Any Overdraft 

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First Technology Federal Credit Union VISA® Platinum Credit Card Agreement and Federal Truth-in-Lending Disclosure StatementEffective: June 22, 2103855.855.8805 | firsttechfed.comPO Box 2100  Beaverton, OR 97075-21007-7300-0413Federally insured by NCUA.Protection Advance will post and be disclosed as Cash Advance on my periodic statement.An Overdraft Protection Advance will be 
made only once per day and you will automatically transfer funds sufficient to cover the exact dollar amount of the overdraft. If the 
amount of available credit on my Card is less than the amount of the overdraft, you will not advance the amount to cover the overdraft. 

If  there  is  more  than  one  person  listed  on  the  checking  account  (such  as  joint  checking  account)  that  I  have  linked  for  Overdraft 
Protection, then: (1) I will be responsible for all Overdraft Protection advances regardless of which person writes the check or engages 
in any other transaction (such as a debit card purchase) that causes the overdraft; and (2) I expressly consent to you disclosing to any 
other person on that checking account, that the checking account is linked to this credit card account for Overdraft Protection. At your 
discretion, you reserve the right to cancel or suspend the Overdraft Protection service at any time for any reason and you may impose 
other conditions on the Overdraft Protection service. 

USING  THE  CARD:  I  may  use  my  card  to  make  a  purchase  or  obtain  an  advance  at  a  participating  Visa  merchant  or  at  a  financial 
institution, using such means of authentication as may be required. 

My Card and/or Account may not be used directly or indirectly for: (1) any illegal activity or transaction; or (2) any gambling, gaming, 
betting or similar activity or transaction. Further, I may not utilize my Card and/or Account for the purchase of any goods or services 
on the Internet that involve gambling, gaming, betting or any similar transaction or activity. Such transactions include, but may not 
be limited to, any quasi-cash or online gambling transaction, any electronic commerce transaction conducted over an open network, 
and any betting transaction including the purchase of lottery tickets or casino gaming chips/checks or off-track betting or wagering. 
However, in the event that a charge described in this paragraph is approved and processed, I will still be responsible for such charge. 

ELECTRONIC  FUND  TRANSFER:  In  the  event  a  use  of  the  Card  or  the  Account  number  of  the  Card  constitutes  an  Electronic  Fund 
Transfer, the terms and conditions of my Electronic Fund Transfer Agreement and Disclosure with you shall govern such transactions 
to the extent the Electronic Fund Transfer Agreement and Disclosure expands or amends this Agreement and Disclosure Statement. 

PREPAYMENT OR IRREGULAR PAYMENTS: Though I need only pay the Minimum Payment Due as shown on my periodic statement, 
I understand that I have the right to repay my entire Account balance at any time without penalty. I also understand and agree that 
I will only be charged interest charges to the date my payment is posted to my entire Account balance. I may make larger payments 
without penalty and this may reduce the total amount of interest charges that I will pay. If I pay more than the Minimum Payment Due 
in any month and there is still a balance due, I must continue to make Minimum Payments in future months. Any partial payment of 
my loan will not advance my next payment due date(s). I understand and agree that any payment that (a) delays or (b) accelerates the 
repayment of my unpaid balance will (a) increase or (b) decrease my Monthly Periodic interest charges. 

PAYMENTS BY AUTOMATIC TRANSFER: If I request payment by automatic transfer, I understand and agree that no payment can or will 
be made if there are insufficient or uncollected funds in the designated deposit account to make the scheduled loan payment. Should 
this event occur, I understand and agree that I will not be released from making the payment. Any automatic transfer I have requested 
will remain in effect until I cancel it in writing or the Account balance is paid in full. You may cancel this service at your discretion; 
however, I understand that I am still responsible for ensuring that timely payment is made to you. 

DEFAULT:  I  will  be  in  default  if:  1)  I  do  not  pay  on  time  or  in  the  proper  amount(s);  2)  I  fail  to  live  up  to  any  of  the  terms  of  this 
Agreement and Disclosure Statement; 3) my creditworthiness is impaired; or 4) I die, become insolvent or am the subject of bankruptcy 
or receivership proceedings. In the event of any action by you to enforce this Agreement and Disclosure Statement, I agree to pay the 
costs thereof, reasonable attorneys’ fees, and other expenses. I understand and agree that I will be subject to interest charges (at the 
applicable Monthly Periodic Rate), late charges, collection costs, reasonable attorneys’ fees and court costs under the terms disclosed 
in this Agreement and Disclosure Statement, until I repay my entire Account balance. 

SUSPENSION/REVOCATION OF CREDIT PRIVILEGES AND ACCELERATION: Upon my default, I understand and agree that you have the 
right to temporarily or permanently suspend or terminate any and all Account and Card privileges and/or you may demand immediate 
payment as permitted by law of the unpaid balance, including interest charges, late charges, your collection costs, reasonable attorney’s 
fees, and court costs. We also may increase any applicable promotional rate to the regular, non-promotional rate.

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First Technology Federal Credit Union VISA® Platinum Credit Card Agreement and Federal Truth-in-Lending Disclosure StatementEffective: June 22, 2103855.855.8805 | firsttechfed.comPO Box 2100  Beaverton, OR 97075-21007-7300-0413Federally insured by NCUA.RESPONSIBILITY: I agree to repay you according to the terms of this Agreement and Disclosure Statement for all purchases, advances, 
interest charges, late charges and any other fees and charges if any, arising from the use of the Account by me or any other person 
I permit to use the Account, even if that person exceeds my permission. I cannot disclaim responsibility by notifying you, although 
you will close the Account if I so request and I will return all Cards to you. My obligation to pay the Account balance continues even 
though an agreement, divorce decree or other court judgment to which you are not a party may direct me or one of the other persons 
responsible to pay the Account. Any person using the Account and/or Card is jointly and severally responsible with me for charges 
he or she makes, but if that person signs the Card he or she becomes a party to this Agreement and Disclosure Statement and is also 
responsible for all charges on the Account, including mine. 

UNAUTHORIZED USE: I may be liable for the unauthorized use of the Card and/or the Account. I will not be liable for unauthorized use 
that occurs after I provide notification by calling 855.855.8805, or when you receive notice in writing at PO Box 2100, Beaverton, OR 
97075-2100, of the loss, theft or possible unauthorized use. In any case, my liability for unauthorized use will not exceed $50.00. My 
liability may be lower in cases of Visa Credit Card fraud in accordance with current Visa U.S.A. Inc. Operating Regulations. “Unauthorized 
Use” means use of the Card on my Account, by a person other than me, who does not have actual, implied or apparent authority for 
the use, and from which I receive no benefit. Without limiting the foregoing, “unauthorized use” does not include any use by a third 
party as described below under “Authorized User”.

TERMINATION:  You  may  terminate  this  Agreement  and  Disclosure  Statement  upon  my  default.  Either  you  or  I  may  terminate  this 
Agreement and Disclosure Statement for other good cause or no cause. In no event shall any termination relieve me of my obligation 
to repay sums already borrowed, interest charges, late charges, and other fees, charges and costs, if any. 

LIEN ON SHARES: I have voluntarily agreed to a lien on shares in my Visa Application, I understand and agree that if I am in default, 
you may apply all shares (except IRA accounts) then on deposit needed by you to repay my loan. To the extent you have pledged 
collateral securing other loans with the Credit Union, in the event of a default on this Account, with the exception of your personal 
residence,  such collateral will also serve as collateral for this Account.

PLEDGE OF SHARES: If I have signed a separate Share Pledge Agreement (in connection with opening my Visa Platinum Secured Credit 
Card Account), I understand and agree that I am pledging, under the Uniform Commercial Code, shares now on deposit in my regular share 
account(s). The terms and conditions relating to the Credit Union’s security interest in my shares are set forth in the Share Pledge Agreement.

TRANSACTION  SLIPS:  My  periodic  statement  will  identify  the  merchant,  electronic  terminal  or  financial  institution  at  which  the 
transactions were made, but sales, cash advance, credit or other slips cannot be returned with the periodic statement. I will retain the 
copy of such slips furnished at the time of the transaction in order to verify my periodic statement. You may make a reasonable charge 
for any photocopies or slips I request. 

FOREIGN TRANSACTIONS: Purchases, cash advances and credits made in foreign currencies will be billed to my Account in U.S. dollars. 
The  conversion  to  U.S.  dollars  will  be  made  in  accordance  with  the  Visa  operating  regulations  for  international  transactions.  The 
exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected 
by Visa from the range of rates available in wholesale currency markets for the applicable central processing date. Rates may vary from 
the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The conversion rate 
may be different than the rate on the day of the transaction or date of the posting of the Account. When a credit to the Account does 
not fully offset a charge to the Account due to changes in the rate, I am responsible for the differences. 

RETURNS AND ADJUSTMENTS: Merchants and others who honor the Account and/or Card may give credit for returns or adjustments, 
and they will do so by sending you a credit slip which you will post to the Account. If my credits and payments exceed what I owe you, 
you will hold and apply this credit balance against future purchases and cash advances, or if it is $1.00 or more, refund it on my written 
request or automatically after six (6) months. 

SURRENDER OF CARD(S): The Card(s) remains your property and, if you request, I must surrender to you all Card(s) you have issued 
on the Account. 

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First Technology Federal Credit Union VISA® Platinum Credit Card Agreement and Federal Truth-in-Lending Disclosure StatementEffective: June 22, 2103855.855.8805 | firsttechfed.comPO Box 2100  Beaverton, OR 97075-21007-7300-0413Federally insured by NCUA.LOST OR STOLEN CARD, NOTIFICATION AND LIABILITY: I will notify you AT ONCE if I believe that the Card, Account number, PIN or any 
combination of the three has been lost or stolen by immediately calling you at 855.855.8805. Telephoning is the best way of minimizing 
my possible losses. I understand that my total liability to you shall not exceed $50.00 for any Account and/or Card transactions resulting 
from the loss, theft or other unauthorized use of the Account and/or Card that occurs prior to the time I give notice to you. In some 
cases my liability for unauthorized transactions will be zero under applicable VISA rules. 

PAYMENTS MARKED “PAID IN FULL”: You may accept checks, money orders, or other types of payment marked “payment in full” or 
using other language to indicate full satisfaction of any indebtedness, without being bound by such language or waiving any rights 
under this Agreement and Disclosure Statement. Full satisfaction of indebtedness shall be accepted by you only in a written agreement, 
signed by an authorized representative. Communications regarding any disputes must be mailed to the following address: Card Services 
Department,  PO  Box  2100,  Beaverton,  OR  97075-2100.  Any  communications  sent  elsewhere,  or  acceptance  of  payments  marked 
“payment in full” or the like, will be of no legal effect. The foregoing provision does not limit any rights I have to dispute transactions 
on my Account under applicable federal law. Refer to “My Billing Rights” below in the Agreement and Disclosure.

DELAY IN ENFORCEMENT: You can delay enforcing any of your rights under this Agreement and Disclosure Statement without losing them. 

GOVERNING LAW: I understand and agree that this Agreement and Disclosure Statement is made in California and shall be governed 
by the laws of the State of California to the extent that California law is not inconsistent with controlling federal law or otherwise 
preempted. I also understand and agree that California’s choice of law rules shall not be applied if they would result in the application 
of non-California law.

INTEGRATED DOCUMENT(S): Any separate sheet of paper labeled “Account Opening Disclosure” which is delivered together with this 
form is an integrated part of the Agreement and Disclosure Statement. 

MEMBERSHIP REQUIREMENT: I understand and agree that I must be and remain a member in good standing with you to be eligible for 
continuing Account and/or Card privileges including future purchases and advances. I understand and agree that you may suspend the 
Account and/or Card privileges during any period in which I do not satisfactorily maintain my membership with you. 

CREDIT INFORMATION: I authorize you to investigate my credit standing when opening, renewing or reviewing the Account, and I 
authorize you to disclose information regarding the Account to credit bureaus and other creditors who inquire of you about my credit 
standing to the extent authorized by law. 

CHANGE  OF  NAME,  ADDRESS,  EMPLOYMENT  STATUS:  My  monthly  statements  and  notices  about  my  Account  will  be  sent  to  the 
address shown in your records. I understand and agree that I must report to you any change in my name, address or employment 
status. I must send you this information 21 days before the date a billing cycle closes in order to receive my monthly statement to my 
new address. 

ACCURACY OF INFORMATION: The information provided in my request for credit (application) is accurate and I will notify you in writing 
immediately if there is a change in my financial condition. You may retain the application. I understand that it is a violation of Section 
1014, Title 18, US Code to make false statements or over value security for the purpose of influencing the action of any federally-
insured credit union. 

AUTHORIZED USER: I agree not to allow access to my Card, Account number, or personal identification number (PIN) to anyone else to 
use my Account, except by asking you to issue a card to grant Account access to another person. If I allow access to my Card or Account 
information, I will be liable for any transactions conducted by that person, unless and except as expressly required by applicable law. I 
agree to be responsible for all Account transactions made by anyone who I have authorized by (a) asking you to issue a Card to grant 
Account access to another person, (b) lending my Card to or (c) allowing Account access by another person, or any other way in which 
I would be legally considered to have allowed another person to use my Account or to be legally prevented from denying that I did 
so. Once I allow authority to any authorized user I cannot limit that authority unless my Account is closed to future transactions. I, 
as a primary user, must call or write you with any request to cancel and revoke a person’s authority. You will not provide any Account 
information to anyone other than me and any individual I authorize has no right to make any Account changes or inquiries. 

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First Technology Federal Credit Union VISA® Platinum Credit Card Agreement and Federal Truth-in-Lending Disclosure StatementEffective: June 22, 2103855.855.8805 | firsttechfed.comPO Box 2100  Beaverton, OR 97075-21007-7300-0413Federally insured by NCUA.COPY RECEIVED: I acknowledge receipt of a copy of this Agreement and Disclosure Statement and agree to accept its terms. 

NOTICE: See the statement below for important information regarding my right to dispute billing errors. 

My Billing Rights: Keep This Document for Future Use 

This notice tells me about my rights and your responsibilities under the Fair Credit Billing Act. 

What To Do If I Find A Mistake On My Statement 

If I think there is an error on my statement, I must write to you at: 

Member Services 
PO Box 2100 
Beaverton, OR 97075-2100 

In my letter, give you the following information: 

•  Account information: My name and account number. 
•  Dollar amount: The dollar amount of the suspected error.
•  Description of problem: If I think there is an error on my bill, describe what I believe is wrong and why I believe it is a mistake. 

I must contact you: 

•  Within 60 days after the error appeared on my statement. 
•  At least 3 business days before an automated payment is scheduled, if I want to stop payment on the amount I think is wrong. 

I must notify you of any potential errors in writing. I may call you, but if I do you are not required to investigate any potential errors and 
I may have to pay the amount in question. 

What Will Happen After You Receive My Letter 

When you receive my letter, you must do two things: 

1. Within  30  days  of  receiving  my  letter,  you  must  tell  me  that  you  received  my  letter.  You  will  also  tell  me  if  you  have  already 

corrected the error. 

2. Within 90 days of receiving my letter, you must either correct the error or explain to me why you believe the bill is correct. 

While you investigate whether or not there has been an error: 

You cannot try to collect the amount in question, or report me as delinquent on that amount. 

•  The charge in question may remain on my statement, and you may continue to charge me interest on that amount. 
•  While I do not have to pay the amount in question, I am responsible for the remainder of my balance. 
•  You can apply any unpaid amount against my credit limit. 

After you finish your investigation, one of two things will happen: 

•  If you made a mistake: I will not have to pay the amount in question or any interest or other fees related to that amount. 
•  If you do not believe there was a mistake: I will have to pay the amount in question, along with applicable interest and fees. You 
will send me a statement of the amount I owe and the date payment is due. You may then report me as delinquent if I do not pay 
the amount you think I owe. 

If I receive your explanation but still believe my bill is wrong, I must write to you within 10 days telling you that I still refuse to pay. If I 
do so, you cannot report me as delinquent without also reporting that I am questioning my bill. You must tell me the name of anyone 
to whom you reported me as delinquent, and you must let those organizations know when the matter has been settled between us. 

Page 7 of 8

First Technology Federal Credit Union VISA® Platinum Credit Card Agreement and Federal Truth-in-Lending Disclosure StatementEffective: June 22, 2103855.855.8805 | firsttechfed.comPO Box 2100  Beaverton, OR 97075-21007-7300-0413Federally insured by NCUA.If you do not follow all of the rules above, I do not have to pay the first $50 of the amount I question even if my bill is correct. 

My Rights If I Am Dissatisfied With My Credit Card Purchases 

If I am dissatisfied with the goods or services that I have purchased with my credit card, and I have tried in good faith to correct the 
problem with the merchant, I 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: 

•  The purchase must have been made in my home state or within 100 miles of my current mailing address, and the purchase price 
must have been more than $50. (Note: Neither of these are necessary if my purchase was based on an advertisement you mailed 
to me, or if you own the company that sold me the goods or services.) 

•  I must have used my credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses 

my credit card account do not qualify. 

•  I must not yet have fully paid for the purchase. 

If all of the criteria above are met and I am still dissatisfied with the purchase, I may contact you in writing at: 

Member Services 
PO Box 2100 
Beaverton, OR 97075-2100  

While you investigate, the same rules apply to the disputed amount as discussed above. After you finish your investigation, you will tell 
me your decision. At that point, if you think I owe an amount and I do not pay, you may report me as delinquent. 

Questions concerning your Visa Account with First Technology Federal Credit Union can be directed to the Card Services Department, 
PO Box 2100, Beaverton, OR 97075- 2100 or by calling 855.855.8805, Monday - Friday, 6am to 6pm, Pacific Time.

Page 8 of 8

First Technology Federal Credit Union VISA® Platinum Credit Card Agreement and Federal Truth-in-Lending Disclosure StatementEffective: June 22, 2103855.855.8805 | firsttechfed.comPO Box 2100  Beaverton, OR 97075-21007-7300-0413Federally insured by NCUA.