Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

Penalty APR and When it Applies 

VISA ELITE 
APPLICATION AND SOLICITATION DISCLOSURE 

10.65%,  11.65%,  16.65%,or 18.00% 
when you open your account, based on your creditworthiness. This 
APR will vary with the market based on the Prime Rate 
13.65%,  14.65%, or 18.00% when you open your account, based     
on your creditworthiness. This APR will vary with the market based on 
the Prime Rate. 
13.65%,  14.65%, or 18.00% when you open your account, based     
on your creditworthiness. This APR will vary with the market based on 
the Prime Rate. 
18.00% 

This APR may be applied to your account if you: 

-   Make a late payment 

How Long Will the Penalty APR Apply? If your APRs are increased 
for this reason, the Penalty APR will apply until you make six (6) 
consecutive minimum payments when due. 

How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

Minimum Interest Charge 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

We will not charge you any interest on purchases if you pay your entire 
balance by the due date each month. 
If you are charged interest, the charge will be no less than $0.50. 
The minimum interest charge will be charged on any dollar amount. 
To learn more about factors to consider when applying for or 
using a credit card, visit the website of the Consumer Financial 
Protection Bureau at http://www.consumerfinance.gov/learnmore. 

Fees 
Transaction Fees 
-  Cash Advance Fee 
-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

$0.95 
1.00% of each transaction in U.S. dollars 

Up to $10.00 
Up to $25.00 

How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).” 
Application of Penalty APR. Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making 
a payment. 
Effective Date. 
The information about the costs of the card described in this application is accurate as of May 1, 2017. 
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 
OTHER DISCLOSURES 

Late Payment Fee 

Returned Payment Fee 

Rush Fee 
Emergency Card Replacement Fee 
Card Replacement Fee 
Pay-by-Phone Fee 
Copy of Sales Draft Fee 
Original Sales Draft Fee 

or the amount of the required minimum payment, whichever 

or the amount of the required minimum payment, whichever 

$10.00 
is less, if you are 16 or more days late in making a payment. 
$25.00 
is less. 
$20.00 
$20.00 
$10.00 
$5.00 
$2.00 
$6.00 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

DMAFQ0 (MXC402 CCM002)-e 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 
APR for Balance Transfers 

APR for Cash Advances 
Penalty APR and When it Applies 

CHELSEA COMMUNITY VISA 
APPLICATION AND SOLICITATION DISCLOSURE 

11.90% 
5.90% Introductory APR for 180 days from the issuance of the card. 

After than your APR will be 11.90%. 
11.90% 
15.90% 

This APR may be applied to your account if you: 

-   Make a late payment 

How Long Will the Penalty APR Apply? If your APRs are increased 
for this reason, the Penalty APR will apply until you make six (6) 
consecutive minimum payments when due. 

How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

Minimum Interest Charge 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

Fees 
Transaction Fees 
-  Cash Advance Fee 
-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

We will not charge you any interest on purchases if you pay your entire 
balance by the due date each month. 

If you are charged interest, the charge will be no less than $0.50. 
The minimum interest charge will be charged on any dollar amount. 
To learn more about factors to consider when applying for or 
using a credit card, visit the website of the Consumer Financial 
Protection Bureau at http://www.consumerfinance.gov/learnmore. 

$0.95 
1.00% of each transaction in U.S. dollars 

Up to $10.00 
Up to $25.00 

How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).” 

Loss of Introductory APR. We may end your Introductory APR for balance transfers and cash advances and apply the 
prevailing non-introductory APR if you are one (1) days late in making a payment. 

Application of Penalty APR. Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making 
a payment. 
Effective Date. 
The information about the costs of the card described in this application is accurate as of November 1, 2012. 
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 
OTHER DISCLOSURES 

Late Payment Fee 

Returned Payment Fee 

Rush Fee 
Emergency Card Replacement Fee 
Card Replacement Fee 
Pay-by-Phone Fee 
Copy of Sales Draft Fee 
Original Sales Draft Fee 

or the amount of the required minimum payment, whichever 

or the amount of the required minimum payment, whichever 

$10.00 
is less, if you are 16 or more days late in making a payment. 
$25.00 
is less. 
$20.00 
$20.00 
$10.00 
$5.00 
$2.00 
$6.00 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

DMADQ1 (MXC402 CCM002)-e 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
PLATINUM MASTERCARD 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

Penalty APR and When it Applies 

APPLICATION AND SOLICITATION DISCLOSURE 

14.65%,  15.65%,  17.65%, or 18.00% when you 

14.65%,  15.65%,  17.65%, 

13.65%, 
or 18.00% when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
13.65%, 
open your account, based on your creditworthiness. This APR will vary 
with the market based on the Prime Rate. 
13.65%, 
open your account, based on your creditworthiness. This APR will vary 
with the market based on the Prime Rate. 
18.00% 
This APR may be applied to your account if you: 

14.65%,  15.65%,  17.65%, or 18.00% when you 

-   Make a late payment 

How Long Will the Penalty APR Apply? If your APRs are increased 
for this reason, the Penalty APR will apply until you make six (6) 
consecutive minimum payments when due. 

How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

Minimum Interest Charge 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

We will not charge you any interest on purchases if you pay your entire 
balance by the due date each month. 
If you are charged interest, the charge will be no less than $0.50. 
The minimum interest charge will be charged on any dollar amount. 
To learn more about factors to consider when applying for or 
using a credit card, visit the website of the Consumer Financial 
Protection Bureau at http://www.consumerfinance.gov/learnmore. 

Fees 
Transaction Fees 
-  Cash Advance Fee 
-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

$0.95 
1.00% of each transaction in U.S. dollars 

Up to $10.00 
Up to $25.00 

How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).” 
Application of Penalty APR. Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making 
a payment. 
Effective Date. 
The information about the costs of the card described in this application is accurate as of May 1, 2017. 
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 
OTHER DISCLOSURES 

Late Payment Fee 

Returned Payment Fee 

Rush Fee 
Emergency Card Replacement Fee 
Card Replacement Fee 
Pay-by-Phone Fee 
Copy of Sales Draft Fee 
Original Sales Draft Fee 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

or the amount of the required minimum payment, whichever 

or the amount of the required minimum payment, whichever 

$10.00 
is less, if you are 16 or more days late in making a payment. 
$25.00 
is less. 
$20.00 
$20.00 
$10.00 
$5.00 
$2.00 
$6.00 

DMADU1 (MXC402 CCM002)-e 

 
 
 
 
 
 
 
 
 
 
 
 
 
VISA SECURED 
APPLICATION AND SOLICITATION DISCLOSURE 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 
APR for Balance Transfers 

APR for Cash Advances 
Penalty APR and When it Applies 

15.90% 
15.90% 
15.90% 
18.00% 

This APR may be applied to your account if you: 

-   Make a late payment 

How Long Will the Penalty APR Apply? If your APRs are increased 
for this reason, the Penalty APR will apply until you make six (6) 
consecutive minimum payments when due. 

How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

Minimum Interest Charge 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

We will not charge you any interest on purchases if you pay your entire 
balance by the due date each month. 
If you are charged interest, the charge will be no less than $0.50. 
The minimum interest charge will be charged on any dollar amount. 
To learn more about factors to consider when applying for or 
using a credit card, visit the website of the Consumer Financial 
Protection Bureau at http://www.consumerfinance.gov/learnmore. 

Fees 
Annual Fees 
- Annual Fee 
Transaction Fees 
-  Cash Advance Fee 
-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

$59.00 

$0.95 
1.00% of each transaction in U.S. dollars 

Up to $10.00 
Up to $25.00 

How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).” 

Application of Penalty APR. Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making 
a payment. 
Effective Date. 
The information about the costs of the card described in this application is accurate as of April 1, 2013. 
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 
OTHER DISCLOSURES 

Late Payment Fee 

Returned Payment Fee 

Rush Fee 
Emergency Card Replacement Fee 
Card Replacement Fee 
Pay-by-Phone Fee 
Copy of Sales Draft Fee 
Original Sales Draft Fee 

or the amount of the required minimum payment, whichever is 

$10.00   or the amount of the required minimum payment, whichever is 
less, if you are 16 or more days late in making a payment. 
$25.00 
less. 
$20.00   
$20.00   
$10.00   
$5.00 
$2.00 
$6.00 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

DMADR2 (MXC402 CCM002)-e 

 
 
 
 
 
 
 
 
 
 
 
VISA ELITE/CHELSEA COMMUNITY VISA 
PLATINUM MASTERCARD/VISA SECURED 
CONSUMER CREDIT CARD AGREEMENT 

In this Agreement, “Agreement” means this Consumer Credit Card Agreement. “Disclosure” means the Credit Card 
Account Opening Disclosure. The Account Opening Disclosure is incorporated into this Consumer Credit Card 
Agreement and is part of the Agreement. In this Agreement the words "you," “your,” and "yours" mean each and all of 
those who agree to be bound by this Agreement; "card" means the MasterCard credit card and any duplicates, renewals, 
or substitutions the Credit Union issues to you; "account" means your MasterCard credit card line-of-credit account with 
the Credit Union; and "Credit Union" means the Credit Union whose name appears on this Agreement or anyone to 
whom the Credit Union transfers this Agreement. 
USING  YOUR  ACCOUNT  —  If you are approved for an account, the Credit Union will establish a line of credit 
1. 
for you. You agree that your credit limit is the maximum amount (purchases, cash advances, finance charges, plus "other 
charges") which you will have outstanding on your account at any time. Unless disclosed otherwise, the Credit Union will 
not allow advances over the credit limit. If the Credit Union has a program whereby it allows payment of advances that 
exceed  your  credit  limit,  subject  to  a  fee,  the  Credit  Union  will  provide  you  with  notice,  either  orally,  in  writing,  or 
electronically (notwithstanding the requirements of the paragraph entitled “Statements and Notices”) explaining your right 
to opt in to the Credit Union’s program whereby it will honor advance requests over the credit limit. In the event you opt in 
to such a program, you agree to the terms of such a program. You may request an increase in your credit limit only by a 
method acceptable to the Credit Union. The Credit Union may increase or decrease your credit limit, refuse to make an 
advance and/or terminate  your account at any time for any reason not  prohibited by law. If  you are permitted to  obtain 
cash advances on your account, we may, from time to time, issue convenience checks to you that may be drawn on your 
account. Convenience checks may not be used to make a payment on your account balance. If  you use a convenience 
check, it will be posted to your account as a cash advance. We reserve the right to refuse to pay a convenience check 
drawn on your account for any reason and such refusal shall not constitute wrongfuldishonor. 
You may request that we stop the payment of a convenience check drawn on your account. You agree to pay any fee 
imposed to stop a payment on a convenience check issued on your account. You may make a stop payment request 
orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of the 
check for payment to give us a reasonable opportunity to act on your request. In addition, your request must accurately 
describe the check including the exact account number, the payee, any check number that may be applicable, and the 
exact amount of the check. If permitted, you may make a stop payment request orally but such a request will expire after 
14 days unless you confirm your request in writing within that time. Written stop payment orders are effective only for six 
months and may be renewed for additional six month periods by requesting in writing that the stop payment order be 
renewed. We are not required to notify you when a stop payment order expires. If we re-credit your account after paying 
a check or draft over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the 
payee, to assign to us all of your rights against the payee or other holders of the check or draft and to assist us in any 
legal action. You agree to indemnify and hold us harmless from all costs and expenses, including attorney's fees, 
damages, or claims, related to our honoring your stop payment request or in failing to stop payment of an item as a result 
of incorrect information provided to us or the giving of inadequate time to act upon a stop payment request. 

USING  YOUR  CARD  —  You  understand  that  the  use  of  your  credit  card  or  credit  card  account  will  constitute 
2. 
acknowledgement of receipt and agreement to the terms of the Credit Card Agreement and Credit Card Account Opening 
Disclosure (Disclosure).  You  may use  your card to make purchases from merchants and  others  who accept  your card. 
The credit union is not responsible for the refusal of any merchant or financial institution to honor your card. If you wish to 
pay for goods or services over the Internet, you may be required to provide card number security information before you 
will  be  permitted  to  complete  the  transaction.  In  addition,  you  may  obtain  cash  advances  from  the  Credit  Union,  from 
other financial institutions that accept your card, and from some automated teller machines (ATMs). (Not all ATMs accept 
your  card.)  If  the  credit  union  authorizes  ATM  transactions  with  your  card,  it  will  issue  you  a  personal  identification 
number (PIN). To obtain cash advances from an ATM, you must use the PIN issued to you for use with your card. You 
agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Even if 
you use  your card for an illegal transaction,  you will be responsible for all amounts and charges incurred in connection 
with  the  transaction.  If  you  are  permitted  to  obtain  cash  advances  on  your  account,  you  may  also  use  your  card  to 
purchase  instruments  and  engage  in  transactions  that  we  consider  the  equivalent  of  cash.  Such  transactions  will  be 
posted  to  your  account  as  cash  advances  and  include,  but  are  not  limited  to,  wire  transfers  and  money  orders.  This 
paragraph shall not be interpreted as permitting or authorizing any transaction that is illegal. 

©CUNA Mutual Group 1991, 2006, 09, 10, 12, 14 All Rights Reserved 

DMAEA4 (MXC502 CCM003) 

 
 
 
 
PROMISE  TO  PAY  —  You  promise  to  pay  all  charges  (purchases,  cash  advances,  balance  transfers,  use  of 
3. 
convenience checks or any other charge) made to your account by you or anyone you authorize to use your account. You 
also promise to pay all finance charges and other charges added to your account under the terms of this Agreement or 
another agreement you made with the Credit Union. If this is a joint account, the paragraph on JOINT ACCOUNTS also 
applies to your account. 

PERIODIC  RATES  —  The  periodic  rates  applicable  to  purchases,  cash  advances,  and  balance  transfers  are 
4. 
disclosed on the Disclosure that accompanies this Agreement. Any penalty rate that may be imposed for failing to make a 
payment  by  the  payment  due  date  is  also  disclosed  on  the  Disclosure.  Any  rate  change  will  be  made  pursuant  to 
applicable law. If the rate for your account is variable, as indicated on the accompanying Disclosure, the rate charged on 
purchases,  cash  advances,  balance  transfers  and  any  penalty  rate  will  vary  periodically  as  disclosed  in  the  Disclosure 
accompanying this Agreement. The initial rate on  your account for certain types of transactions  may be an  introductory 
discounted rate (Introductory Rate) that is lower than the rate that would ordinarily apply for that type of transaction. If  an 
Introductory Rate applies to your account, the rates and the period of time it will be effective is shown on the Disclosure 
accompanying this Agreement. After the Introductory Rate period expires, the periodic rate will automatically increase to 
the rates that would ordinarily apply for that type of transaction based on the terms of this Agreement. 
5.  FINANCE  CHARGES  —  New  purchases  posted  to  your  account  during  a  billing  cycle  will  not  incur  a  finance 
charge for that billing cycle if you had a zero or credit balance at the beginning of that billing cycle, or you paid the entire 
new  balance  on  the  previous  cycle's  billing  statement  by  the  payment  due  date  of  that  statement;  otherwise  a  finance 
charge  will  accrue  from  the  date  a  purchase  is  posted  to  your  account.  To  avoid  an  additional  finance  charge  on  the 
balance  of  purchases,  you  must  pay  the  entire  new  balance  on  the  billing  statement  by  the  payment  due  date  of  that 
statement. A finance charge begins to accrue on cash advances from the date you get the cash advance or from the first 
day of the billing cycle in which the cash advance is posted to your account, whichever is later (transaction date). 
The finance charge is calculated separately for purchases and cash advances. For purchases, the finance charge is 
computed by applying the periodic rate to the average daily balance of purchases. To calculate the average daily balance 
of purchases, we take the beginning outstanding balance of purchases each day, add any new purchases, and subtract 
any payments and/or credits. This gives us the daily balance of purchases. We then add all of the daily balances of 
purchases for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the 
average daily balance of purchases. 
For cash advances, the finance charge is computed by applying the periodic rate to the average daily balance of cash 
advances. To calculate the average daily balance of cash advances, we take the beginning outstanding balance of cash 
advances each day, add in any new cash advances, and subtract any payments and/or credits that we apply to the cash 
advance balance. This gives us the daily balance of cash advances. We then add all of the daily balances of cash 
advances for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the 
average daily balance of cash advances. Balance transfers are calculated in the same manner as cash advances. 
6.  FOREIGN TRANSACTIONS — 
Visa. Purchases and cash advances made in foreign currencies will be debited from your account in U.S. dollars. The 
exchange rate between the transaction currency and the billing currency used for processing international transactions is 
a rate selected by Visa from a range of rates available in wholesale currency markets for the applicable central 
processing date, which rate may vary from the rate Visa itself receives or the government-mandated rate in effect for the 
applicable central processing date. The exchange rate used on the processing date may differ from the rate that would 
have been used on the purchase date or cardholder statement posting date. 
A fee (finance charge), calculated in U.S. dollars, will be imposed on all foreign transactions, including purchases, cash 
advances and credits to your account. A foreign transaction is any transaction that you complete or a merchant completes 
on your card outside of the United States, with the exception of U.S. military bases, U.S. territories, U.S. embassies or 
U.S. consulates. The Foreign Transaction Fee is set forth on the Disclosure accompanying this Agreement. 

MasterCard. Purchases and cash advances made in foreign currencies will be debited from your account in U.S. dollars. 
The exchange rate used to convert foreign currency transactions to U.S. dollars is either a government-mandated 
exchange rate or a wholesale exchange rate and is selected by MasterCard. The rate MasterCard uses for a particular 
transaction is the rate MasterCard selects for the applicable currency on the day the transaction is processed. This rate 
may differ from the rate applicable on the date the transaction occurred or was posted to your account. 
A fee (finance charge) will be charged on all transactions completed outside of the United States, where the cardholder’s 
country code differs from the merchant’s country code. All fees are calculated based on the transaction amount after it is 
converted to U.S. dollars. These fees are charged except where excluded. The Foreign Transaction Fee is set forth on 
the Disclosure accompanying this Agreement. 
7.  FEES — In addition to the periodic rate, the following additional fees may be imposed on your account. If applicable 
to your account, the fee amounts and explanations are disclosed on the Disclosure accompanying this Agreement. Your 
account may also be subject to additional fees as set forth on the Disclosure accompanying this Agreement. 

DMAEA4 (MXC501 CCM003) 

 
a.  Cash  Advance  Fee  (Finance  Charge).  If your account is subject to a Cash Advance Fee (finance charge), the fee 
will  be  charged  to  your  account  when  you  obtain  a  cash  advance  from  an  ATM,  the  Credit  Union  or  other  financial 
institution. 
b.  Foreign  Transaction  Fee  (Finance  Charge).  If  your  account  is  subject  to  a  Foreign  Transaction  Fee  (finance 
charge), a fee may be charged to your account for transactions made outside of the United States or in a foreign currency. 
c.  Late Payment Fee.  If your account is subject to a Late Payment Fee, the fee will be charged to your account when 
you do not make the required minimum payment by or within the number of days of the statement Payment Due Date set 
forth on the Disclosure accompanying this Agreement. 
d.  Returned  Payment  Fee.  If  your  account  is  subject  to  a  Returned  Payment  Fee,  the  fee  will  be  charged  to  your 
account when a payment is returned for any reason. 
e.  Rush Fee. If your account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to your 
account  for  each  rush  card  that  you  request,  providing  delivery  of  the  card  is  also  available  by  standard  mail  service, 
without paying a fee for delivery. 
f.  Emergency  Card  Replacement  Fee.  If your account is subject to an Emergency Card Replacement Fee, a fee will 
be charged to your account for each emergency replacement card that is issued to you. 
g.  Card  Replacement  Fee.  If  your  account  is  subject  to  a  Card  Replacement  Fee,  a  fee  will  be  charged  for  each 
replacement card that is issued to you for any reason. 
h.  Pay-by-Phone Fee. If your account is subject to the Pay-by-Phone Fee, a fee will be charged for each time you make 
a payment by telephone as disclosed on the Disclosure accompanying this Agreement. 
i.  Copy  of  Sales  Draft  Fee.  If  your  account  is  subject  to  the  Copy  of  Sales  Draft  Fee,  a  fee  will  be  charged  to  your 
account as disclosed on the Disclosure accompanying this Agreement. 
j.  Original  Sales  Draft  Fee.  If  your  account  is  subject  to  the  Original  Sales  Draft  Fee,  a  fee  will  be  charged  to  your 
account as disclosed on the Disclosure accompanying this Agreement. 
8.  PAYMENTS  —  Each  month  you  must  pay  at  least  the  minimum  payment  shown  on  your  statement  by  the  date 
specified  on  the  statement.  You  may  pay  more  frequently,  pay  more  than  the  minimum  payment  or  pay  the  total  new 
balance in full. If you make extra or larger payments, you are still required to make at least the minimum payment each 
month your account has a balance (other than a credit balance). For our Visa Elite card, the minimum payment is 2.00% of 
your total new balance, or $10.00, whichever is greater, plus the amount of any prior minimum payments that you have not 
made, all outstanding unpaid fees and charges, and any amount you are over your credit limit by the date specified on the 
statement. For  our  Chelsea Community Visa card, the minimum  payment  is  3.00%  of  your  total  new balance, or 
$25.00, whichever is greater, plus the amount of any prior minimum payments that you have not made, all outstanding 
unpaid fees and charges, and any amount you are over your credit limit by the date specified on the statement. For our 
Platinum MasterCard card, the minimum payment is 2.00% of your total new balance, or $10.00, whichever is greater, 
plus the amount of any prior minimum payments that you have not made, all outstanding unpaid fees and charges, and 
any amount you are over your credit limit by the date specified on the statement. For our Visa Secured card, the minimum 
payment is 3.00% of your total new balance, or $25.00, whichever is greater, plus the amount of any prior minimum 
payments that you have not made, all outstanding unpaid fees and charges, and any amount you are over your credit limit 
by the date specified on the statement. The Credit Union also has the right to demand immediate payment of any amount 
by which you are over your credit limit. The Credit Union may delay replenishing your credit limit until the date the 
payment is posted or the Credit Union confirms the payment has cleared. 
9.  PAYMENT ALLOCATION — Subject to applicable law, your payments may be applied to what you owe the Credit 
Union in any manner the Credit Union chooses. However, in every case, in the event you make a payment in excess of 
the  required  minimum  periodic  payment,  the  Credit  Union  will  allocate  the  excess  amount  first  to  the  balance  with  the 
highest annual percentage rate and any remaining portion to the other balances in descending order based on applicable 
annual percentage rate. 
10.  SECURITY INTEREST  — You grant the Credit Union a security interest under the Uniform Commercial Code and 
under  any  common  law  rights  the  Credit  Union  may  have  in  any  goods  you  purchase.  If  you  give  the  Credit  Union  a 
specific pledge of shares by signing a separate pledge of shares, your pledged shares will secure your account. You may 
not withdraw amounts that have been specifically pledged to secure your account until the Credit Union agrees to release 
all or part of the pledged amount. 

Your Account is secured by all other shares you have in any individual or joint account with the Credit Union, 
except for shares in an Individual Retirement Account or in any other account that would lose special tax 
treatment under state or federal law if given as security. These other shares may be withdrawn unless you are 
in default under this agreement. You authorize the Credit Union to apply the balance in your individual or joint 
share accounts to pay any amounts due on your Account if you should default. 

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Collateral securing other loans you have with the Credit Union may also secure this loan, except that a dwelling will 
never be considered as security for this account, notwithstanding anything to the contrary in any other agreement. 

11.  DEFAULT — You will be in default if you fail to make any minimum payment or other required payment by the date 
that it is due. You will be in default if you break any promise you make under this Agreement. You will be in default if  you 
die, file for bankruptcy or become insolvent, that is, unable to pay your obligations when they become due. You will be in 
default if you make any false or misleading statements in any credit application or credit update. You will also be in default 
if something happens that the Credit Union believes may substantially reduce your ability to repay what you owe. 
When you are in default and after expiration of any right you have under applicable state law to cure your default, the 
Credit Union has the right to demand immediate payment of your full account balance. If immediate payment is 
demanded, you agree to continue paying finance charges at the periodic rate charged before default, until what you owe 
has been paid. Also, subject to applicable state law, any shares that were given as security for your account may be 
applied towards  what you owe. 
12.  LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION — 
Visa. You agree to notify us immediately, orally or in writing, at Metro Credit Union C/O PSCU Service Center, Inc., 
Security Department, PO Box 31281, Tampa, FL 33631-3281 or telephone (800) 449-7728 seven (7) days a week, 24 
hours a day, of the loss, theft, or unauthorized use of your credit card. You may be liable for the unauthorized use of your 
credit card. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft, or possible 
unauthorized use. You will have no liability for unauthorized transactions made with your credit card, unless you are 
grossly negligent in the handling of your card. In any case, your liability will not exceed $50.00. 

MasterCard. You agree to notify us immediately, orally or in writing, at Metro Credit Union C/O PSCU Service Center, 
Inc., Security Department, PO Box 31281, Tampa, FL 33631-3281 or telephone (800) 449-7728 seven (7) days a week, 
24 hours a day, of the loss, theft, or unauthorized use of your credit card. You may be liable for the unauthorized use of 
your credit card. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft, or possible 
unauthorized use. However, if you exercise reasonable care in safeguarding your card from risk of loss or theft and, upon 
discovering the loss or theft promptly report the loss or theft to us, you will not be liable for any unauthorized transactions. 
In any case, your liability will not exceed $50.00. 
13.  CHANGING  OR  TERMINATING  YOUR  ACCOUNT  —  As permitted by law, the Credit Union may change the 
terms of this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance 
with applicable law. If permitted by law and specified in the notice to you, the change will apply to your existing account 
balance as well as to future transactions. 
Either you or the Credit Union may terminate this Agreement at any time, but termination by you or the Credit Union will 
not affect your obligation to pay the account balance plus any finance and other charges you owe under this Agreement. 
Your obligation to pay the account balance plus any finance and other charges you owe under this agreement are subject 
to all applicable laws and regulations regarding repayment requirements. You are also responsible for all transactions 
made to your account after termination, unless the transactions were unauthorized. 
The card or cards you receive remain the property of the Credit Union and you must recover and surrender to the Credit 
Union all cards upon request or upon termination of this Agreement whether by you or the Credit Union. If this is a joint 
account, the paragraph on JOINT ACCOUNTS of this Agreement also applies to termination of the account. 
14.  CHANGING OR TERMINATING AUTHORIZED USERS  — Upon your request, we may issue additional cards 
for authorized users that  you designate.  You must notify  us in  writing  of any termination of an authorized user's right to 
access  your  account.  Your  letter  must  include  the  name  of  the  authorized  user  and  your  account  number  and/or  any 
subaccount  number  issued  to  the  authorized  user  along  with  the  authorized  user's  card  and  any  convenience  or  other 
access checks issued to the authorized user. If you cannot return the authorized user's card or access checks and if  you 
request your account to be closed, we will close your account and you may apply for a new account. 
15.  CREDIT  REVIEW  AND  RELEASE  OF  INFORMATION  —  You authorize the Credit Union to investigate your 
credit standing when opening or reviewing your account. You authorize the Credit Union to disclose information regarding 
your  account  to  credit  bureaus  and  creditors  who  inquire  about  your  credit  standing.  If  your  account  is  eligible  for 
emergency  cash  and/or  emergency  card  replacement  services,  and  you  request  such  services,  you  agree  that  we  may 
provide personal information about you and your account that is necessary to provide you with the requested service(s). 
16.  RETURNS  AND  ADJUSTMENTS  —  Merchants and others  who honor  your card  may  give credit for returns or 
adjustments,  and  they  will  do  so  by  sending  the  Credit  Union  a  credit  slip  which  will  be  posted  to  your  account.  If  your 
credits and payments exceed  what  you owe  the Credit Union, the  amount  will be applied  against future  purchases and 
cash  advances.  If  the  credit  balance  amount  is  $1.00  or  more,  it  will  be  refunded  upon  your  written  request  or  
automatically after six months. 
17.  ADDITIONAL BENEFITS/CARD ENHANCEMENTS — The Credit Union may from time to time offer additional 
services to your account, such as travel accident insurance, at no additional cost to you. You understand that the Credit 
Union is not obligated to offer such services and may withdraw or change them at anytime. 

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18.  MERCHANT  DISPUTES  —  The  Credit  Union  is  not  responsible  for  the  refusal  of  any  merchant  or  financial 
institution  to  honor  your  card.  The  Credit  Union  is  subject  to  claims  and  defenses  (other  than  tort  claims) arising  out  of 
goods  or  services  you  purchase  with  the  card  if  you  have  made  a  good  faith  attempt  but  have  been  unable  to  obtain 
satisfaction from the merchant or service provider, and (a) your purchase was made in response to an advertisement the 
Credit Union sent or participated in sending to you; or (b) your purchase cost more than $50.00 and was made in  your 
state or within 100 miles of your home. 
19.  JOINT ACCOUNTS — If this is a joint account, each of you will be individually and jointly responsible for paying all 
amounts owed under this Agreement. This means that the Credit Union can require any one of you individually to repay 
the entire amount owed under this Agreement. Each of you authorizes the other(s) to make purchases or cash advances 
individually. Any one of you may terminate the account and the termination will be effective as to all of you. 
20.  EFFECT  OF  AGREEMENT  —  This Agreement is the contract  which applies to all transactions on  your  account 
even though the sales, cash advances, credit or other slips you sign or receive may contain different terms. 
21.  NO WAIVER — The Credit Union can delay enforcing any of its rights any number of times without losing them. 
22.  STATEMENTS  AND  NOTICES  —  Statements and notices  will be mailed  or delivered to  you  at the  appropriate 
address you have given the Credit Union. Notice sent to any one of you will be considered notice toall. 
23.  SEVERABILITY  AND  FINAL  EXPRESSION  —  This Agreement and the Disclosure are the final expression of 
the terms and conditions of your account. This written Agreement and Disclosure may not be contradicted by evidence of 
any alleged oral agreement. Should any part of this Agreement or the Disclosure be found to be invalid or unenforceable, 
all other parts of this Agreement and Disclosure shall remain in effect and fully enforceable to the fullest extent possible 
under this Agreement. 
24.  COPY RECEIVED — You acknowledge that you have received a copy of this Agreement and Disclosure. 
25.  GAMBLING  TRANSACTIONS  PROHIBITED  —  You  may  not  use  your  card  to  initiate  any  type  of  gambling 
transaction. 
26.  PENALTY  RATE  DISCLOSURES  — If applicable to your account, all rates for your account, including the rates 
for purchases, cash advances, and balance transfers, will increase to the Penalty Rate when you meet one or more of the 
conditions as set forth in the Disclosure accompanying this Agreement.  Any rate increases  applied to  your account are 
subject to applicable notice requirements. Please refer to the Disclosure for additional information regarding the Penalty 
Rate. 
27.  NOTICE TO UTAH BORROWERS — This written agreement is a final expression of the agreement between you 
and the Credit Union. This written agreement may not be contradicted by evidence of any oral agreement. 
28.  THE  FOLLOWING  IS  REQUIRED  BY  VERMONT  LAW  —  NOTICE  TO  CO-SIGNER  —  YOUR 
SIGNATURE  ON  THIS  NOTE  MEANS  THAT  YOU  ARE  EQUALLY  LIABLE  FOR  REPAYMENT  OF  THIS 
LOAN. IF THE BORROWER DOES NOT PAY, THE LENDER HAS  A LEGAL RIGHT TO COLLECT FROM 
YOU. 

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 listed on your statement. 
In your letter, give us the following information: 

-  Account information: Your name and account number. 
-  Dollar amount: The dollar amount of the suspected error. 
-  Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you 

believe it is a mistake. 

You must contact us: 

-  Within 60 days after the error appeared on your statement. 
-  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you 

think is wrong. 

You must notify us of any potential errors in writing or electronically. 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. 

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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 paythe 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 youowe. 

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 or electronically at 
the address 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. 

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