IMPORTANT DISCLOSURES (KEEP FOR YOUR RECORDS) 

as low as 11.25 %              -Visa Rewards 

*ANNUAL PERCENTAGE RATE 

as low as 6.99%                 -Visa 

VARIABLE RATE 
INFORMATION 

GRACE PERIOD FOR 
REPAYMENT OF THE 
BALANCES OF PURCHASES 
METHOD OF COMPUTING 
BALANCE OF PURCHASES 
ANNUAL FEES 
MINIMUM FINANCE CHARGE 
TRANSACTION FEE FOR 
PURCHASES 
OTHER FEES 

CREDIT PURCHASE REBATE 
INFORMATION 

as low as 9.25%/12.25%  -Overdraft Line of Credit 

The term Periodic Rate as used herein is l/365th of the Variable Annual Percentage Rate.  For 
transactions listed in this paragraph other than cash advances, the Periodic rate changes 
monthly as the Variable Annual Percentage Rate changes.  The Variable Annual Percentage 
Rate is equal to the New York Prime Index rounded up to the next one  quarter percent plus (i) 
3.74% Visa credit card (ii) 5.74% Visa Point Reward credit card  (iii) 8% for Visa Cash Reward 
credit card (iv) 6%/9%  for Visa Check card.  The rates are subject to change on the first day of 
each month. We will use the most recent Index value available to us as of the 15th day of the 
month prior to any annual percentage rate adjustments.   The minimum rates are 4.74% for 
Visa credit card, 6% for Visa Platinum credit card, 6.74% for Visa Point Reward credit card, 9% 
for Visa Cash Reward credit card, and 9% for Visa Check card.  The maximum rate will never be 
greater than that allowed by law. The rate applicable for each month will be set forth in your 
regular statement. The Periodic Rate for Visa cash advances is a fixed rate of 18%. 

Not less than 25 days for Visa.  None for Overdraft lines of credit 

Average Daily Balance (including new purchases.)  This is figured by adding the outstanding 
balance (including new purchases and deducting payments and credits) for each day in the 
billing cycle, and then dividing by the number of days in the billing cycle. 

NONE 

NONE 

NONE 

Transaction Fee for Cash Advances – None 
Late Payment Fee – up to $25 
An annual rebate will be given on your VISA Rewards Card credit purchases made over a 12 
month period (Dec 1-Nov 30) decreased by any purchase credits and excluding cash advances, 
advances made to pay off other loans, point of sale “Debit” purchases, or any other increase of 
your VISA account balance, e.g. fees, interest charges.  The amount of the rebate is computed 
on the amount of Visa credit card purchases made over the 12 month reporting period 
according to the following breakdown: ¼% on the portion of annual purchases $0 to $1,000, 
½% on the portion of the annual purchases $1,000 to $2,000, ¾% on the portion of annual 
purchases $2,000 to $3,000, 1% on the portion over $3,000.  The purchases rebate will be 
credited to your share savings account by the end of December.  Rebates credited to accounts 
in good standing. 

*These rates were in effect as of 1st day of May 2014.  Rates are subject to change monthly.  For updated rate 
information, please call 801-223-UCCU(8228) or visit www.uccu.ccom.  Rates subject to credit history. 

Your Agreement 

Your signature certifies that your information is true and complete and that you agree that: We, Utah Community Credit Union, may process your 
application, verify your information including credit references and employment and obtain credit reports (including your spouses’ if you live in a 
community property state.)  You will be bound by the Visa Cardholder Agreement which we will send to you when we issue your card(s).  Account material 
(including cards, checks, monthly statements, and notices) may be sent to any Cardholder who will be responsible for delivering them to other 
Cardholders.  All terms are subject to change.  Account and Agreement Terms are not guaranteed for any period of time; all term, including the apps APRs 
and fees, may change at any time for any reason. 

Utah Community Federal Credit Union 
VISA CARDHOLDER 
AGREEMENT

Notice to Borrower: This document contains provisions for a 
variable interest rate.

The following Cardholder Agreement is applicable to all accounts 
with Visa check cards, Visa credit cards, or credit card plans. The 
term "Card" in this Agreement refers to each and every Visa check 
card,  Visa  credit  card  issued  by  Utah  Community  Federal  Credit 
Union  (hereinafter  "Credit  Union"),  and  to  any  other  method  or 
means that the Credit Union provides to access Visa debit and credit 
card products and plans. The terms "you" and "Member" shall refer 
both individually and collectively to each and every person or entity 
who is an account holder on the account for which the Card is issued 
or made available. The term "your" shall be deemed the possessory 
form of "you" and shall be used to identify ownership by Member. 
The  terms  “we”  and  “us”  shall  refer  to  Credit  Union.  The  Term 
“our” shall be deemed the possessory form of “we” and “us” and 
shall be used to identify ownership by Credit Union. Whenever the 
context requires, the singular shall include the plural, the plural shall 
include the singular, the whole shall include any part thereof, and 
any gender shall include both male and female.

By signing, requesting, using or permitting others to sign or use 
a Card issued by us, you covenant and agree to comply with all 
procedures required by us and to be bound by the following terms 
and conditions.

1  .  The  Card  is  the  property  of  Credit  Union  and  you  agree 
to  surrender  the  Card  upon  demand.  We  may  terminate  this 
Agreement and retake the Card without notice at any time. You 
may  terminate  this  Agreement  by  returning  the  Card  to  us  and 
paying the outstanding balance on your account in full, including 
but not limited to interest, fees, and charges.

2. Your liability for lost, stolen, or other unauthorized use of a 
Visa-branded Card will be $0 if you immediately report the loss or 
theft of the Card to us . The limitation of liability just above does 
not apply to certain business transactions, ATM cash transactions, 
or  non-Visa  PIN-less  debit  transactions.  If  the  Card  is  lost  or 
stolen, call us immediately at 1-800-453-8188. Your losses may 
also be limited by the Electronic Funds Transfer Act (“EFTA”). 
By using your account, you acknowledge and agree that you have 
received a copy of our EFTA Disclosures. Note that if you wait 
for more than 48 hours to report an unauthorized use of your Card, 
you may lose up to $500.00 even if the charges in question would 
have been covered by the EFTA. If you wait longer than 60 days 
from  the  time  we  make  your  statement  available,  you  may  lose 
all  funds  in  your  account  and  the  full  amount  of  any  overdraft 
line of credit. To the extent permitted by law, you may be liable 
for  greater  amounts  than  the  amounts  listed  in  this  paragraph  if 
you were grossly negligent or fraudulent in the handling of your 
account or Card.

3. You shall hold in strict confidence your Personal Identification 
Number (PIN). If you lose your card and/or PIN, you hereby agree 
to hold us harmless for any and all transactions from the time of 
loss until such notification.

4. You agree to cooperate fully with any and all investigations 
by us or law enforcement, including but not limited to, promptly 
and  accurately  completing  affidavits  and  forms  required  to 
address concerns or attempt recovery of funds. 

5. You shall pay us on or before the payment due date shown on 
your account monthly statement, either (a) the entire amount then 
due, or (b) minimum payment which shall not be less than 3.5% 
(Visa check cards), 2.5% (Visa Platinum and Platinum Rewards 
credit cards) of the outstanding balance or $25.00, whichever is 
greater.  Balances  less  than  $25.00  are  payable  in  full.  Payment 
is due each month. If you do not pay at least the amount of the 
minimum  required  payment  shown  on  any  periodic  statement 
within TEN (10) days after the payment due date, we may impose 
a late charge up to $25.00. If you miss a payment or break any 
other  promise  made  under  this  Agreement,  we  may  declare  the 
entire  unpaid  balance  due  and  payable  at  once  without  notice 
or  demand.  We  may  also  declare  the  entire  unpaid  balance  due 
and payable at once without notice or demand if you have made 
any misrepresentation in applying for credit or if any occurrence 
indicates to us that you may be unable or unwilling to repay the 
loans made under this Agreement. We may accept late payments 
or partial payment or checks or money orders marked "payment 
in full" without losing any of our rights under this Agreement or 
any other Agreement with you. You acknowledge and agree that 
any payment marked "payment in full" or marked with a similar 
notation shall not constitute full payment unless the amount of the 
payment is sufficient to pay the full balance owed.

6.  The  acceptance,  use,  or  signing  of  a  Card  by  you  shall 
constitute  your  consent  to  any  change  in  the  terms  of  this 
Agreement and disclosure statement as we may subsequently elect 
to make after we have provided notice if required by law. Without 
limiting the forgoing, you expressly acknowledge and agree that 
we  may  increase  applicable  interest  rate(s)  by  giving  notice  of 
any  such  change  at  least  45  days  prior  to  the  effective  date  of 
such change. Your failure to exercise any right you may have to 
reject  the  change  or  close  your  account  before  the  change  goes 
into effect shall constitute your agreement to the change. Except 
as restricted or prohibited by law, any change in terms may, at our 
sole discretion, apply to your existing account balance as well as 
future transactions.

7. In the event of default under this Agreement, including but 
not  limited  to  failure  to  make  payment  when  due,  your  death, 
bankruptcy,  or  insolvency,  or  attachment  or  levy  against  any 
portion  of  your  property,  the  entire  amount  of  your  outstanding 
indebtedness  may  be  declared  due  and  payable  at  our  sole 
election.  If  you  fail  to  pay  said  entire  outstanding  indebtedness 
on  our  demand,  you  agree  to  pay  all  our  attorney's  fees  and 
collection  costs  incurred  as  the  result  of  your  breach,  whether 
suit is initiated.

8. You agree that we are not liable or otherwise responsible for 
the  refusal  of  any  merchant,  financial  institution,  or  other  party 
to honor a Card. We shall not be liable or otherwise responsible 
for  the  failure  of  an  ATM  to  honor  your  Card,  disperse  cash, 
or  otherwise  perform  as  you  request.  If  you  use  your  Card  to 
purchase goods or services more than 100 miles from your home 
(outside of your home state) or for less than $50, we may refuse 
to  submit  a  chargeback  on  your  behalf.  When  dealing  with  a 
merchant, you are encouraged to carefully review the merchant’s 
return  policy;  you  may  be  bound  by  that  policy  regardless  of 
whether you obtain it. If we work with you to submit a chargeback 
through the Visa or other system and the chargeback is ultimately 
denied or not honored, you agree to pay for the item(s) at issue 
plus finance charges and any applicable fees published by us.

9.  We  are  not  liable  or  otherwise  responsible  if  we  decline 
a  transaction  or  otherwise  refusing  to  process  a  transaction 
even  if  you  have  sufficient  funds  in  your  account  to  pay  for 
the  transaction.  We  may  limit  the  number  and  dollar  amount 
of  transactions  that  you  can  complete  in  one  day.  If  we  detect 
unusual or suspicious activity on your account, we may suspend 
your credit privileges until we confirm verify the activity, but we 
are  not  required  to  verify  unusual  or  suspicious  activities.  We 
may  approve  transactions  that  cause  the  balance  to  go  negative 
or exceed your revolving line of credit limit without waiving any 
rights under this Agreement.

10.  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 bureaus and 
creditors who inquire about your credit standing. A negative credit 
report  reflecting  your  credit  record  may  be  submitted  to  one  or 
more credit reporting agency if you fail to fulfill the terms of your 
credit obligations at any time and may thereafter remain reported 
as permitted by law.

11.  You  cannot  transfer  or  assign  your  account  to  any  other 
person  (natural  or  otherwise).  If  there  is  any  conflict  between  a 
receipt or slip you are given and this Agreement, this Agreement 
shall control. 

12.  This  Agreement  shall  be  governed  by  applicable  federal 
and  state  law.  When  state  law  applies,  this  Agreement  shall  be 
governed by Utah law without regard to any conflict of law rules 
or principles. 

13. This Agreement is binding upon your heirs, representatives, 

successors, and assignees.

14. If you move, you shall provide us with your new address 

within three (3) business days of moving.

15. We may assess you a research fee according to the current 
fee  schedule  for  any  research  that  you  request  on  your  account 
when  the  result  of  said  research  does  not  show  any  erroneous 
billing  as  defined  by  the  Federal  Truth  in  Lending  Act  or  as 
defined by the Utah Consumer Credit Code. We may also assess 
any  other  fee  disclosed  to  you  in  advance  in  accordance  with 
applicable  law.  You  hereby  agree  that  you  shall  at  all  times  be 

deemed to have received a copy of our latest Fee Schedule.

16. We may decline any transaction that causes you to go over 
your  credit  limit.  If  by  chance  a  transaction  does  cause  you  to 
go  over  your  credit  limit,  we  will  not  charge  an  over-the-limit 
fee. Even if you do exceed your credit limit, you are responsible 
for  all  transactions  you  authorize  or  that  result  from  your  gross 
negligence if not prohibited by law.

17.  Regarding  Visa  check  card  the  following  conditions  (16-

22) apply.

18.  The  card  must  be  signed  with  the  same  signature  as 

required for your checking account.

19. If you apply and qualify, we may establish a pre-arranged 
line  of  credit  in  an  amount  determined  by  us  as  overdraft 
protection. If the credit limit is exceeded we may close the line of 
credit and recall any Cards issued to you.

20.  In  the  event  your  checking  account  becomes  overdrawn, 
you  hereby  request  and  authorize  us  to  transfer  from  your 
overdraft  protection  account  to  your  checking  account,  the 
amount  necessary  to  cover  said  overdraft,  up  to  your  remaining 
overdraft protection account line of credit in accordance with this 
Agreement.

21. A transaction which overdraws your checking account shall 

be deemed an extension of credit by us to you.

22.  You  agree  to  maintain  on  deposit  at  all  time,  sufficient 
funds  to  cover  all  transactions  and  to  pay  all  cash  withdrawals, 
drafts, checks, and electronic funds transfers. Transactions created 
by  use  of  a  card  are  subject  to  the  terms  and  conditions  of  this 
Agreement  and  any  other  agreement  between  you  and  us  as 
modified by us from time to time.

23.  In  addition  to  the  principal  amount  of  transfers/payments 
made by us to cover overdrafts on your checking account, purchases 
or cash advances, you shall pay us a FINANCE CHARGE on the 
Visa check card as described below in Subparagraphs A and C, 
and on the Visa credit cards as described below in Subparagraphs 
B and C.

A. Visa check card.

(1) The FINANCE CHARGE is computed on a daily basis 
and is based on the actual amount of money outstanding for the 
number of days that amount is outstanding.

(2)  A  FINANCE  CHARGE  is  imposed  on  advances  from 
the date of posting to your account until the date of repayment 
and is calculated using the actual balance in the loan account 
each day after payments and credits have been subtracted and 
advances  and  other  charges  have  been  added.  The  amount 
of  FINANCE  CHARGE  is  determined  by  multiplying  this 
actual balance by the Periodic Rate for each day since the last 
payment was made on the account.

B. Visa Credit with interest free period.

(1) FINANCE CHARGE is imposed on advances, charges, 
and  purchases  (except  as  referred  to  in  paragraph  (2)  below) 

from  the  date  of  posting  to  yours  account  until  the  date  of 
repayment and is calculated by multiplying the Average Daily 
Balance  by  the  Periodic  Rate  for  each  day  since  the  last 
payment was made on the account. The Average Daily Balance 
is the sum of the unpaid daily ending balance on each day of 
the billing cycle divided by the number of days in the billing 
cycle.  Said  unpaid  balances  are  determined  by  deducting 
payments  and  credits  applied  against  such  unpaid  balances 
and by adding charges, advances and purchases as of the date 
posted to your account.

(2)  FINANCE  CHARGE  is  not  imposed  on:  (A)  new 
purchases  posted  during  a  billing  cycle  if  (a)  you  paid  the 
Payoff  Balance  shown  on  the  billing  statement  covering  the 
preceding  billing  cycle  if  paid  within  25  days  of  the  current 
statement  date  or  such  Payoff  Balance  was  zero  and  (b)  you 
pay the Payoff Balance shown on the current billing statement 
itemizing the new purchases by the Payment Due Date shown 
on the billing statement; (B) Old purchases posted for a billing 
cycle during which you pay the Payoff Balance shown on the 
billing  statement  covering  the  preceding  billing  cycle  by  the 
Payment Due Date shown on the billing statement.

C.  The  term  Periodic  Rate  as  used  herein  is  1/365th  of  the 
Variable  Annual  Percentage  Rate.  The  Periodic  rate  changes 
monthly as the Variable Annual Percentage Rate changes. The 
Variable  Annual  Percentage  Rate  is  tied  to  the  Prime  Index 
rounded up to the next one  quarter percent plus (i) 8% for Visa 
Platinum Rewards accounts with limits $3,000 and above, (ii) 
10%  for  Visa  Platinum  Rewards  accounts  with  limits  below 
$3,000,  (iii)  5%  for  Visa  Platinum  credit  card  accounts  with 
limits $3,000 and above, (iv) 7% for Visa Platinum credit card 
accounts  with  limits  below  $3,000,  (v)  6%  for  Visa  Check 
Cards  with  limits  $3,000  and  above,  and  (vi)  9%  for  Visa 
Check  Cards  with  limits  below  $3,000.  The  rates  are  subject 
to  change  on  the  first  day  of  each  month.  We  will  use  the 
most recent Index value available to us as of the 15th day of 
the  month  prior  to  any  annual  percentage  rate  adjustments. 
The  minimum  rates  are  9%  for  Visa  Platinum  Rewards,  6% 
for Visa Platinum credit card accounts with limits $3,000 and 
above, 8% for Visa Platinum credit card accounts with limits 
below $3,000, 7% for Visa Check Cards with limits $3,000 and 
above, 10% for Visa Check Card with limits below $3,000. The 
maximum rate will never be greater than that allowed by law. 
The  rate  applicable  for  each  month  will  be  set  forth  in  your 
regular statement.

24.  We  may  delay  enforcing  any  of  our  rights  or  remedies 
under this Agreement without losing said rights or remedies. You 
agree that failure by us to enforce any provision of this Agreement 
shall not constitute waiver of ours right to enforce said items in 
the future.

25.  To  secure  payments  of  all  amounts  charged  under  this 
Agreement,  you  hereby  grant  to  us  a  security  interest  in  all  of 
your's  property  in  our  possession  or  control  and  in  any  and  all 
deposit  accounts,  savings  accounts,  and  checking  accounts  you 

may  have  with  us.  The  amount  of  any  purchase  or  transfer  by 
you  may  be  placed  on  hold  for  up  to  three  (3)  days  or  may  be 
deducted  from  your  checking  account  automatically  -  therefore, 
you should be certain you have adequate funds to cover each and 
every purchase.

26. You may not use a Card to initiate any type of electronic 
gambling transaction or any illegal activity. You 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.

27.  If  you  utilize  a  Card  for  internet  transactions,  you  are 
required to register for VERIFIED BY VISA at www.visa.com/
verified or at www.uccu.com. If you do not do so, you may lose 
any charge back rights for internet transactions.

28.  Visa  Platinum  Rewards  Benefits.  We  reserve  the  right  to 
make changes to the Visa Platinum Rewards credit card benefits 
or any other reward program(s) we may offer to you.

29.  Purchases  and  cash  advances  made  in  foreign  countries 
and foreign currencies will be billed to you in U.S. dollars. The 
conversion  rate  in  dollars  will  be  a  rate  selected  by  Visa  from 
the  range  of  rates  available  in  wholesale  currency  markets  for 
the applicable central processing date, which rate may vary from 
the rate Visa itself receives or the government mandated rate in 
effect for the applicable central processing date, increased by up 
to  two  percent  (200  basis  points)  or  an  amount  determined  by 
Visa International. 

YOUR BILLING RIGHTS
KEEP THIS NOTICE FOR
FUTURE USE

This notice contains important information about your rights and 
our responsibilities under the Fair Credit Billing Act.

NOTIFY  US  IN  CASE  OF  ERRORS  OR  QUESTIONS 
ABOUT YOUR STATEMENT.

If  you  think  your  statement  is  wrong,  or  if  you  need  more 
information about a transaction on your statement, contact us at:

Utah Community Credit Union
P.O. BOX 1900
Provo, Utah 84603-1900

Contact us as soon as possible. We must hear from you no later 
than sixty (60) days after we sent you the first statement on which 
the error or problem appeared. You can telephone us to block the 
card immediately; if you do call us, however, we are not required 
to investigate the error or problem and you may have to pay the 
amount in question. A written statement will need to be filled out 
to preserve your rights and must contain:

-  your name and account number;

-  the name of any involved merchant and the dollar amount
  of the suspected error; and

-  a detailed description of the error and any attempt you have 
  made to resolve it with any third party.

If you have authorized us to pay your credit card bill automatically 
from your savings or checking account, you can stop the payment 
on any amount that you think is wrong. To stop the payment your 
letter  must  reach  us  three  business  days  before  the  automatic 
payment is scheduled to occur.

YOUR  RIGHTS  AND  OUR  RESPONSIBILITIES  AFTER 
WE RECEIVE YOUR WRITTEN NOTICE.

We  must  acknowledge  your  letter  within  30  days,  unless  we 
corrected the error by then. Within 90 days, we must either correct 
the error or explain why we believe the bill was correct.

After we receive your letter, we cannot try to collect any amount 
you question, or report you as delinquent until we have completed 
our investigation. We can continue to bill you for the amount you 
question, including finance charges, and we can apply any unpaid 
amount  against  your  credit  limit.  You  do  not  have  to  pay  any 
questioned  amount  while  we  are  investigating,  but  you  are  still 
obligated to pay the parts of your bill that are not in question.

If we find that we made a mistake on your bill, you will not have 
to pay any finance charges related to any questioned amount. If 
we didn't make a mistake, you may have to pay finance charges, 
and  you  will  have  to  make  up  any  missed  payments  on  the 
questioned amount. In either case, we will send you a statement of 
the amount you owe and the date that it is due.

If you fail to pay the amount that we think you owe, we may report 
you  as  delinquent.  However,  if  our  explanation  does  not  satisfy 
you and you write to us within ten (10) days telling us that you 
still refuse to pay, we must tell anyone we report you to that you 
have a question about your bill. And, we must tell you the name of 
anyone we reported you to. We must tell anyone we report you to 
that the matter has been settled between us when it finally is.

STATE AND LOCAL LAW

The foregoing summary of your rights under federal law does not 
cover any rights you may have under state and local law. If, under 
State or local law, you have a longer period of time in which to 
send  an  inquiry  to  Credit  Union  concerning  your  statement, 
reliance on any such longer time period may result in your losing 
important  rights  which  could  be  preserved  by  acting  more 
promptly under federal law. State or local provisions, if any, only 
become operative upon the expiration of the time period provided 
by Federal Regulation Z for submitting a proper written notification 
of an error.

FS-773 R11/13