�CUNA Mutual Group 1991, 2006, 09, 10, 12, 14 , 16 All Rights Reserved 03116182-MXC30-C-1-062421 (MXC305-E)
CONSUMER
CREDIT CARD
AGREEMENT
AND
DISCLOSURE
ELITE VISA SIGNATURE�/VISA PLATINUM
This Consumer Credit Card Agreement and Disclosure together with theAccount Opening Disclosure and any other
Account opening documents orany subsequent documents provided toYou related tothis Account (hereinafter
collectively referred toas�Agreement �)govern theterms andconditions ofthisAccount .�We,� �Us,� �Our� and�Ours� and
�Credit Union� refers toVisions Federal Credit Union withwhich thisAgreement ismade. �You,� �Your ,�and�Yours �refers
toeach applicant and co-applicant fortheAccount ;anyperson responsible forpaying theAccount; and anyone You
authorize touse, access orservice theAccount. "Card" means theVisa�credit card and anyother access devices,
duplicates, renewals, orsubstitutions ,including convenience checks, theCredit Union issues toYou. "Account "means
the line of credit established by this Agreement and includes Your Card.
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.
You grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now
and in the future to secure Your credit card Account. Shares and d eposits in an IRA or any other a ccount that
would lose special tax treatment under state or federal law if given as security are not subject to the security
interest You have given in Your shares and deposits. You may withdraw these other shares unless You are in
default. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due.
For example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay
any or all of the unpaid balance .
Unless otherwise prohibited by federal and/or state law, 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.
1.USING YOUR ACCOUNT �Byusing theAccount orkeeping theCard, You agree totheterms ofthisAgreement.
You agree touse Your Account inaccordance with this Agreement. Your Account must only beused forlawful
transactions.
2.CREDIT LIMIT �Wemay establish acredit limit aspartofthisAgreement, which You promise nottoexceed. IfYou
exceed thecredit limit, You promise torepay immediately theamount which exceeds thecredit limit, including amounts
duetofinance charges, fees orother charges. You may request acredit limit increase onYour Account only byamethod
acceptable totheCredit Union. Wemay increase ordecrease Your credit limit, refuse tomake anadvance and/or
terminate Your Account at any time for any reason permitted by law.
3.CONVENIENCE CHECKS �Wemay, from time totime, issue convenience checks toYou thatmay bedrawn on
Your Account. Convenience checks may notbeused tomake apayment onYour Account. IfYou useaconvenience
check, itwillbeposted toYour Account asacash advance .Wereserve theright torefuse topayaconvenience check
drawn onYour Account foranyreason andsuch refusal shall notconstitute wrongful dishonor. You may request thatWe
stop thepayment ofaconvenience check drawn onYour Account .You agree topay any feeasidentified inthis
Agreement imposed tostop apayment onaconvenience check issued onYour Account .You may make astop payment
request orally, ifpermitted, orinwriting. Your request must bemade with sufficient time inadvance ofthepresentment of
thecheck forpayment togive Usareasonable opportunity toactonYour request. Inaddition, Your request must
accurately describe thecheck including theexact Account number, thepayee, anycheck number thatmay beapplicable,
andtheexact amount ofthecheck. Ifpermitted, You may make astop payment request orally butsuch arequest will
expire after 14days unless You confirm Your request inwriting within thattime. Written stop payment order sareeffective Page 2 of6
03116182-MXC30-C-1-062421 (MXC305-E)only forsixmonths andmay berenewed foradditional sixmonth periods byrequesting inwriting thatthestop payment
order be renewed. We are not required to notify You when a stop payment order expires.
IfWere-credit Your Account after paying acheck over avalid and timely stop payment order, You agree tosign a
statement describing thedispute with thepayee, toassign toUsallofYour rights against thepayee orother holders of
the check and to assist Us in any legal action.
Youagree toindemnify andhold Usharmless from allcosts andexpenses, including attorney's fees, damages, orclaims,
related toOur honoring Your stop payment request orinfailing tostop payment ofanitem asaresult ofincorrect
information provided toUsorthegiving ofinadequate time toactupon astop payment request .Note: Aconvenience
check isnotacheck asthatterm isdefined under theUniform Commercial Code. Itisanadvance from Your credit card
Account with Us and Your stop payment rights are provided under this Agreement with Us.
4.REPAYMENT �You promise torepay allamounts You owe under thisAgreement. Your promise torepay includes
alltransactions made toYour Account byYou oranyone You authorize touse Your Account aswell asallinterest
charges and fees.
Elite Visa Signature �-Foreach billing period, You must payatleast theMinimum Payment Due bythePayment Due
Date.
TheMinimum Payment Due is2.00% ofYourtotal New Balance, or$50.00 ,whichever isgreater, plus anyamount past
dueandanyamount bywhich You have exceeded Yourapplicable credit limit. IfYour total New Balance isless than
$50.00 ,then Your Minimum Payment Due is the amount of the total New Balance.
Visa Platinum -For each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.
TheMinimum Payment Due is2.00% ofYourtotal New Balance, or$25.00 ,whichever isgreater, plus anyamount past
dueandanyamount bywhich You have exceeded Yourapplicable credit limit. IfYour total New Balance isless than
$25.00 ,then Your Minimum Payment Due is the amount of the total New Balance.
You may pay more frequently, pay more than the Minimum Payment Due or pay the total New B alance in full.
IfYoumake extra orlarger payments, Youarestillrequired tomake atleast theMinimum Payment Due each month Your
Account hasabalance (other than acredit balance). 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.
Your payment oftherequired Minimum Payment Due may beapplied towhat You owe theCredit Union inanymanner
theCredit Union chooses, aspermitted byapplicable law. IfYou make apayment inexcess oftherequired Minimum
Payment Due,theCredit Union willallocate theexcess amount firsttothebalance with thehighest annual percentage
rate (�APR�) and anyremaining portion totheother balances indescending order based onapplicable APR, unless
otherwise prescribed byapplicable law.Wemay accept checks marked "payment infull"orwith words ofsimilar effect
without losing any of Our rights to collect the full balance of Your Account with U s.
5.INTEREST AND FINANCE CHARGES �Wewillbegin charging You interest onpurchases onthedate the
transaction isposted toYour Account. Wewillbegin charging You interest oncash advances andbalance transfers on
thedate ofthetransaction orthefirstdayofthebilling cycle inwhich thetransaction isposted toYour Account, whichever
islater (transaction date). However, Wewillnotcharge You anyinterest onnew purchases ifYour Account hadazero or
credit balance atthebeginning ofthat billing cycle, orYou paid theentire new balance ontheprevious cycle's billing
statement bythePayment Due Date ofthat statement. Toavoid anadditional finance charge onthebalance of
purchases , You must pay the entire new balance on the billing statement by the Payment Due Date  of that statement.
How We Calculate Your Balance:
Interest charges onYour Account arecalculated separately forpurchases, balance transfers and cash advances
(�Transaction Type�). Wefigure theinterest charge foreach Transaction Type byapplying theperiodic rate toeach
corresponding �average daily balance.� Togetthe�average daily balance� foraTransaction Type Wetake thebeginning
balance forthatTransaction Type each day, addanynew transactions ofthattype, andsubtract anyunpaid interest or
other finance charges andanyapplicable payments orcredits. This gives Usthedaily balance foreach Transaction Type.
Then, foreach Transaction Type, Weadd upallthedaily balances forthebilling cycle and divide each total bythe
number of days in the billing cycle. This gives Us the �average daily balance� for each Transaction Type.
6.FEES �Inaddition totheperiodic rate, additional fees may beimposed onYour Account. Ifapplicable toYour
Account, thefeeamounts and explanations aredisclosed ontheAccount Opening Disclosure accompanying this
Agreement.
7.FOREIGN TRANSACTIONS �Purchases andcash advances made inforeign currencies willbedebited from Your
Account inU.S. dollars. Theexchange ratebetween thetransaction currency andthebilling currency used forprocessing
international transactions isarateselected byVisa from arange ofrates available inwholesale currency markets forthe
applicable transaction date, which rate may vary from therate Visa itself receives, ortherate mandated bythe
government orgoverning body ineffect fortheapplicable transaction date. The exchange rate used onthetransaction
date may differ from the rate that would have been used on the processing date or cardholder statement posting date. Page 3 of6
03116182-MXC30-C-1-062421 (MXC305-E)Visa Platinum -Afee(finance charge) ,calculated inU.S. dollars, willbeimposed onallforeign transactions, including
purchases, cash advances, andcredits toYour Account. Aforeign transaction isanytransaction thatYou complete ora
merchant completes onYour Card outside theUnited States, with theexception ofU.S. military bases, U.S. territories,
U.S. embassies, orU.S. consulates. Transactions completed bymerchants outside oftheUnited States areconsidered
foreign transactions, regardless ofwhether You arelocated inside oroutside theUnited States atthetime ofthe
transaction. The Foreign Transaction Fee is set forth on the Account Opening Disclosure accompanying this Agreement .
8.AUTHORIZATIONS �Wedonotguarantee authorization ofatransaction, either byUsorbyathird party, even if
You have sufficient credit available. You agree that Wewillnotbeliable forfailing togive anauthorization. Wealso
reserve theright tolimitthenumber oftransactions thatmay beapproved inoneday. Wereserve theright todeny certain
transactions foranyreason and atOur sole discretion, including fordefault, suspected fraudulent orunlawful activity,
internet gambling oranyindication ofincreased riskrelated tothetransaction ortheAccount .You agree thatWehave no
requirement tonotify You ofthespecific reason Wedenied atransaction. IfWedetect unusual orsuspicious activity, We
may suspend Your  credit privileges until We can verify the activity, or We may close the Account .
9.INFORMATION UPDA TING SERVICE AND AUTHORIZATIONS �IfYouhave authorized amerchant tobillcharges
toYour Card onarecurring basis, itisYour responsibility tonotify themerchant intheevent Your Card isreplaced, Your
Account information (such asCard number orexpiration date) changes, orYour Account isclosed. However, ifYour Card
isreplaced orYour Account information changes, Youauthorize Us,without obligation onOurpart, toprovide theupdated
Account information tothemerchant inorder topermit themerchant tobillrecurring charges toYour Card. You authorize
Ustoapply such recurring charges toYour Card until You notify UsthatYou have revoked authorization forthecharges
to Your Card.
Your Card isautomatically enrolled inaninformation updating service. Through thisservice, Your updated Account
information (such asCard number orexpiration date) may beshared with participating merchants tofacilitate continued
recurring charges. Updates arenotguaranteed before Your next payment toamerchant isdue. You areresponsible for
making direct payment until recurring charges resume. Torevoke Your authorization allowing Ustoprovide updated
Account information to a merchant, please contact Us .
10.PREAUTHORIZED CHARGES �Wemay suspend preauthorized recurring charges with merchants if,forexample,
Your Card islostorstolen, You default, orWechange Your Account foranyreason. Ifpreauthorized recurring charges
aresuspended, You areresponsible formaking direct payment forsuch charges until You contact themerchant to
reinstate recurring charges.
11.DEFAULT �Youwillbeindefault under thisAgreement ifYoufailtopaytheMinimum Payment Due byitsPayment
Due Date; pay byacheck orsimilar instrument that isnothonored orthat Wemust return because itcannot be
processed; pay byautomatic debit that isreturned unpaid; make any false ormisleading statements inany credit
application orcredit update; fileforbankruptcy; become insolvent ;ordie.You willalso beindefault ifYou failtocomply
with the terms of this Agreement or any other Agreement You have with Us.
IfYou default, Wemay close Your Account andrequire You topayanyunpaid balance immediately, subject toapplicable
law. InthisAgreement andonYour Credit Card Application, You gave Usasecurity interest inallindividual orjoint share
and/or deposit accounts withtheCredit Union andauthorized Us,ifYoudefaulted, toapply thebalance inthese accounts
toanyamounts due. You agree Wemay relyonYour agreement and authorization to,upon Your default, apply any
balance to any amounts due on Your Account.
12.LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION �
IfYou notice theloss ortheft ofYour credit card orapossible unauthorized use ofYour Card, You should callUs
immediately at(833) 224-5785 seven days aweek, 24hours adayor(800) 242-2120, Monday through Friday, 8:00 a.m.
to 5:00 p.m. or  write to us at 24 McKinley Avenue ,Endicott ,NY,13760 .
You willnotbeliable forany unauthorized use that occurs after You notify Us.You may, however, beliable for
unauthorized usethat occurs before Your notice toUs.You willhave noliability forunauthorized useunless Youare
found tobefraudulent ornegligent inthehandling ofYourAccount orCard. Inanycase, Your liability forunauthorized
transactions willnotexceed $50.Ifanunauthorized charge isposted toYour Account, andYou don�t receive resolution
from themerchant, You may dispute thecharge through Visions Credit/Debit card processor. Contact thedispute lineat
(833) 224-5785  within 60 days after the charge first appears on Your statement .
13.CHANGING ORTERMINATING YOUR ACCOUNT �Aspermitted bylaw, theCredit Union may change theterms
ofthisAgreement andanyattached Disclosure from time totime. Notice ofanychange willbegiven inaccordance with
applicable law. Totheextent permitted bylaw, changes totheAgreement may apply toYour existing account balance as
well as to future transactions.
Arizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents -Either
You, Your spouse ortheCredit Union may terminate thisAgreement atanytime, buttermination byYou, Your spouse or
theCredit Union willnotaffect Your obligation topaytheaccount balance plus anyfinance andother charges YouorYour
spouse owe under thisAgreement. Your obligation topaytheaccount balance plus anyfinance andother charges You
owe under thisagreement aresubject toallapplicable laws andregulations regarding repayment requirements. TheCard Page 4 of6
03116182-MXC30-C-1-062421 (MXC305-E)orCards You receive remain theproperty oftheCredit Union andYou must recover andsurrender totheCredit Union all
Cards upon request or upon termination of this Agreement whether by You or the Credit Union.
Residents ofallother states -Either You ortheCredit Union may terminate thisAgreement atanytime, buttermination
byYou ortheCredit Union willnotaffect Your obligation topaytheaccount balance plus anyfinance andother charges
You owe under thisAgreement. Your obligation topaytheaccount balance plus anyfinance andother charges You owe
under thisagreement aresubject toallapplicable laws andregulations regarding repayment requirements. The Card or
Cards You receive remain theproperty oftheCredit Union andYou must recover andsurrender totheCredit Union all
Cards upon request or upon termination of this Agreement whether by You or the Credit Union.
14.AUTHORIZED USERS �Upon Your request, We may issue additional Cards forauthorized users that You
designate. You must notify Usinwriting ofanytermination ofanauthorized user's right toaccess Your Account .Your
notice must include thename oftheauthorized user andYour Account number and/or anysubaccount number issued to
theauthorized user along with theauthorized user's Cardand anyconvenience orother access checks issued tothe
authorized user. IfYou canno treturn theauthorized user's Cardoraccess checks andifYou request Your Account tobe
closed, Wewillclose Your Account andYou may apply foranew Account .Alternatively, Wemay, atOursole discretion,
issue You a new Account number and a new Card.
15.CREDIT REPORTS �You authorize theCredit Union toobtain credit reports and anyother information Wemay
need toverify Your identity anduseoftheAccount when opening Your Account andforanyupdate, increase, renewal,
extension, collection orreview ofYour Account .You authorize theCredit Union todisclose information regarding Your
Account  to credit bureaus and creditors who inquire about Your  credit standing .
16.JOINT ACCOUNT S�Ifthisisajoint Account ,each ofYou willbeindividually andjointly responsible forpaying all
amounts owed under thisAgreement .This means thattheCredit Union canrequire anyoneofYou individually torepay
theentire amount owed under thisAgreement .Each ofYou authorizes theother(s) tomake transactions ontheAccount
individually. Any one of You may terminate the Account  and the termination will be effective as to all of You.
17.EFFECT OFAGREEMENT �This Agreement isthecontract which applies toalltransactions onYour Account even
though the sales, cash advances, credit or other slips You sign or receive may contain different terms.
18.SEVERABILITY AND FINAL EXPRESSION �This Agreement isthefinal expression oftheterms andconditions of
Your Account .This written Agreement may notbecontradicted byevidence ofanyalleged oralAgreement .Should any
partofthisAgreement befound tobeinvalid orunenforceable, allother parts ofthisAgreement shall remain ineffect and
fully enforceable to the fullest extent possible under this Agreement .
19.ILLEGAL TRANSACTIONS PROHIBITED �Youagree thatYouwillnotuseYour Card foranytransaction, including
anytype of electronic gambling tr ansaction through the Internet , that is illegal under applicable federal, state, or local law .
Even ifYou useYour Card foranillegal transaction, You willberesponsible forallamounts and charges incurred in
connection withthetransaction. This paragraph shall notbeinterpreted aspermitting orauthorizing anytransaction thatis
illegal.
20.APPLICABLE LAW �Theterms andenforcement ofthisAgreement shall begoverned byfederal lawandthelawof
New York .
21.ENFORCING THIS AGREEMENT �Wecan delay inenforcing orfailtoenforce any ofOur rights under this
Agreement  without losing them.
22.COLLECTION COSTS �IfWerefer collection ofYour Account toalawyer who isnotOursalaried employee, You
areliable forany reasonable attorney�s fees Weincur, plus thecosts and expenses ofany legal action, asfurther
disclosed on this Agreement, or to the extent allowed by law.
23.ASSIGNMENT �We may assign any or all of Our rights and obligations under this Agreement  to a third party.
24.CALIFORNIA RESIDENTS �Amarried applicant may apply foraseparate Account. Applicants: 1)may, after credit
approval, usethecredit card Account uptoitscredit limit; 2)may beliable foramounts extended under theplan toany
joint applicant. Asrequired bylaw, You arehereby notified thatanegative credit report reflecting onYour credit record
may be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.
25.FLORIDA RESIDENTS �You (borrower) agree that, should Weobtain ajudgment against You, aportion of
Your disposable earnings may beattached orgarnished (paid toUsbyYour employer), asprovided byFlorida
and Federal law.
26.MARYLAND RESIDENTS �To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your
Card Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article .
27.MISSOURI RESIDENTS �Oral Agreements orcommitments toloan money, extend credit ortoforbear from
enforcing repayment ofadebt including promises toextend orrenew such debt arenotenforceable. Toprotect
You (borrower(s)) and Us(creditor) from misunderstanding ordisappointment, any Agreements We reach
covering such matters arecontained inthis writing, which isthecomplete and exclusive statement ofthe
Agreement between Us, except as We may later agree in writing to modify it. Page 5 of6
03116182-MXC30-C-1-062421 (MXC305-E)28.NEW YORK RESIDENTS �Wemay obtain acredit report inconnection with thisAccount, including foranyreview,
modification, renewal orcollections associated with thisAccount. Upon Your request, You willbeinformed whether such
report was requested and, ifso,thename andaddress oftheconsumer reporting agency furnishing thereport. New York
residents may contact theNew York State Department ofFinancial Services at800.342.3736 orwww.dfs.ny.gov toobtain
a comparative listing of credit card rates, fees and grace periods.
29.OHIO RESIDENTS �TheOhio laws against discrimination require thatallcreditors make credit equally available to
allcreditworthy customers andthatcredit reporting agencies maintain separate credit histories oneach individual upon
request. The Ohio Civil Rights Commission administers compliance with this law.
30.SOUTH DAKOTA RESIDENTS �IfYou believe there have been anyimproprieties inmaking thisloan orinthe
lender�s loan practices, You may contact theSouth Dakota Division ofBanking at1601 N.Harrison Ave, Suite 1,Pierre,
SD 57501, or by phone at 605.773.3421.
31.WISCONSIN RESIDENTS �IfYouaremarried, please contact Usimmediately uponreceipt ofthisAgreement atthe
address orphone number listed onthisAgreement andprovide Uswith thename andaddress ofYour spouse. Weare
required to inform Your spouse that We have opened a n Account for You.
32.NOTICE TOUTAH BORROWERS �This written Agreement isafinal expression oftheAgreement between You
andtheCredit Union. This written Agreement may notbecontradicted byevidence ofanyoralAgreement. Asrequired by
law, You arehereby notified thatanegative credit report reflecting onYour credit record may besubmitted toacredit
reporting agency if You fail to fulfill the terms of Your credit obligations.
33.THE FOLLOWING ISREQUIRED BYVERMONT LAW �NOTICE TOCO-SIGNER �YOUR SIGNATURE ON
THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OFTHIS LOAN. IFTHE BORROWER
DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. Page 6 of6
03116182-MXC30-C-1-062421 (MXC305-E)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
IfYou think there is an error on Your statement, write to Us at the address listed on Your statement.
InYour letter, give Us the following information:
-Account information:  Your name and Account number.
-Dollar amount:  The dollar amount of the suspected error.
-Description ofproblem: IfYouthink there isanerror onYourbill,describe what Youbelieve iswrong andwhy You
believe it is a mistake.
You must contact Us:
-Within 60 days after the error appeared on Your statement .
-Atleast three business days before anautomated payment isscheduled, ifYouwant tostop payment ontheamount
You thin k is wrong.
You must notify Usofanypotential errors inwriting orelectronically. You may callUs,butifYoudoWearenotrequired
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 30days ofreceiving Yourletter, Wemust tellYouthatWereceived Yourletter. Wewillalso tellYouifWehave
already corrected the error.
2.Within 90days ofreceiving Yourletter, Wemust either correct theerror orexplain toYouwhy Webelieve thebillis
correct.
While We investigate whether or not there has been an error:
-We cannot try to collect the amount in question, or report You as delinquent on that amount.
-The charge in question may remain on Your statement, and We may continue to charge You interest on that amount.
-While You do not have to pay the amount in question, You are responsible for the remainder of Your balance.
-Wecan apply any unpaid amount against Your credit limit.
After We finish Our investigation, one of two things will happen:
-IfWemade amistake: You willnothave topaytheamount inquestion oranyinterest orother fees related tothat
amount.
-IfWedonotbelieve there was amistake: You willhave topaytheamount inquestion, along with applicable
interest andfees. Wewillsend Youastatement oftheamount Youowe andthedate payment isdue. Wemay then
report You as delinquent if You do not pay the amount We think You owe.
IfYoureceive Ourexplanation butstillbelieve Yourbilliswrong, Youmust write toUswithin 10days telling UsthatYou
stillrefuse topay. IfYoudoso,Wecannot report Youasdelinquent without also reporting thatYouarequestioning Your
bill.Wemust tellYouthename ofanyone towhom Wereported Youasdelinquent, andWemust letthose organizations
know when the matter has been settled between Us.
IfWedonotfollow alloftherules above, Youdonothave topaythefirst$50oftheamount Youquestion even ifYourbill
is correct.
Your Rights if You Are Dissatisfied With Your Credit Card Purchases
IfYouaredissatisfied with thegoods orservices thatYouhave purchased with Yourcredit card, andYouhave tried in
good faith tocorrect theproblem with themerchant, Youmay have theright nottopaytheremaining amount dueonthe
purchase.
To use this right, all of the following must be true:
1.Thepurchase must have been made inYourhome state orwithin 100miles ofYourcurrent mailing address, andthe
purchase price must have been more than $50. (Note: Neither ofthese arenecessary ifYourpurchase wasbased 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 Yourcredit card forthepurchase. Purchases made with cash advances from anATM orwith a
check that accesses Your credit card Account do not qualify.
3.You must not yet have fully paid for the purchase .
Ifallofthecriteria above aremetandYouarestilldissatisfied withthepurchase, contact Usinwriting orelectronically at
the address listed on Your statement.
While Weinvestigate, thesame rules apply tothedisputed amount asdiscussed above. After Wefinish Ourinvestigation,
WewilltellYouOurdecision. Atthatpoint, ifWethink Youowe anamount andYoudonotpay, Wemay report Youas
delinquent. VISION S FC U 
CREDIT CARD ACCO UNT O PENI NG DI SCLOSURE 
This Disclos ure is incorporate d into a nd becom es pa rt of y our LOANLINER� Consumer Credit C ard Agreement.  
Please keep thi s attache d to you r LOANLINER� Consumer Credi t Car d Agreeme nt & Disclosure. 
Interest Rate s and Interes t Charges  
Purchas e AP R � Variabl e Rate 
VISA Platinum � the 5 year US Treasury Note plus between 7.00 to 16.50 percentage points 
Elite VISA Signature  � the 5 year US Treasury Note plus between 8.00 to 11.50 percentage points 
Maxim um APR i s 18% corresponding maxim um d aily periodi c rate of .04932% 
Balance Transfer AP R � Variabl e Rate 
VISA Platinum � the 5 year US Treasury Note plus between 7.00 to 16.50 percentage points 
Elite VISA Signature � the 5 year US Treasury Note plus between 8.00 to 11.50 percentage points  
Maxim um APR i s 18% corresponding maxim um d aily periodi c rate o f .04932% 
Cash Advanc e AP R � Variable Rate 
VISA Platinum � the 5 year US Treasury Note plus between 7.00 to 16.50 percentage points 
Elite VISA Signature  � the 5 year US Treasury Note plus between 8.00 to 11.50 percentage points  
Maxim um APR i s 18% corresponding maxim um d aily periodi c rate o f .04932% 
Penal ty APR 
None 
Minim um F inance Charge 
None 
Cash Advance Fee 
None 
Balanc e Transfer Fee 
None 
Foreign Transaction Fee 
VISA Platinum - Up to 1.00% of each transaction in US dollars
ELITE VISA Signature  - None
Transaction Fee for Purchases 
None 
Paying Interest � Your  due date is at least 28 days after the close of each billing cycle.  We do not charge you 
interest on purchases if you pay your entire balance by the due date each month.  We will begin charging interest 
on cash advances and balance transfers on the transaction date. 
For Credit Card Tips from the Consumer Financial Protection Bureau � To learn more about factors to consider 
when applying for or using a credit card, visit the Web site of the Consumer Financial Protection Bureau at 
http://consumerfinance.gov /learnmore.  
How We Will Calculate Your Balance.  We use a method called �average daily balance (including new purchases).�  
See your account Agreement for more details. 
Promotional Period for Introductory APR: 
The Introductory APR for purchases, balance transfers and cash advances will apply to transactions 
posted to Your Account during the first twelve  months following issuance of Your Card. Any existing balances  
on Visions Federal Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance 
transfers.  Billing Rights .  Information on your rights t o disput e transactions and how to exercis e thos e rights is provided i n your 
accou nt Agreement.   
Military Lending Act Disclosures: 
Federal law provides important protections to members of the Armed Forces and their dependents relating to 
extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his 
or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable 
to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary 
products sold in connection with the credit transaction; any application fee charged (other than certain 
application fees for specified credit transactions or accounts); and any participation fee charged (other than certain 
participation fees for a credit card account). 
Pleas e call us a t (80 0) 242-212 0 to receive oral disclosures o f the Military Lendin g Ac t disclos ure above an d a 
description of the payment obligation.   
Collection Costs .  You agre e to pay all costs of collectin g the amoun t you owe under this Agreemen t, including court 
costs and reasonabl e attorney�s fees. 
Periodic Rates * (see Pricing Addendum) 
The Purchas e APR is  *  whic h is a daily periodic rate of  *  .  
The Cash Advanc e AP R is  *  whic h is a daily periodic rate of  *  .  
The Balance Transfer AP R is  *  whic h is a daily periodic rate of  *  . 
Variable Rate. 
The ANNUA L PERCENTA L RATE may increase in th e futur e.  Th e ANNUA L PERCENTAGE RATE is subjec t to 
chang e on the firs t day o f the billin g cycl e monthly to reflec t any change i n the Index an d will be determine d by the 
5-Year U.S. Treasury Not e on th e 15th day of the previous month or the preceding business day i f the 15th falls on 
a weekend or holiday , to whic h We ad d a margin .  The ANNUA L PERCENTAGE RATE will nev er be greater than 
18.00%.  Any increas e in th e ANNUAL PERCENTAGE RATE will result in a n increas e in the amount of the interest 
You will pay , may increase Your minimum paymen t, and may increas e the number o f payments t o pay off Your 
balance.  If the Index is n o longer available, the Credit Unio n will choos e a n ew index which is base d upon 
comparable information.
Margin  *  (see Pricin g Addendum) 
Purchases will be charge d at  *  above the Index. 
Cash advances will be charged at  *  above the Index. 
Balance transfers will be charged at  *  above the Index. 
Pricing Addendum 
VISA Platinum/Elite  VISA Signature  
Grace Period 
28 days 
Other Fees & Disclosures 
Late Payment Fee 
$20.00 or the amoun t of the minimum required payment, whichev er is less, If yo u are 15 or more days late in 
making a payment.  If Your Accou nt is subject to a Late Payment Fe e, 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 stateme nt Payment 
Due Date set forth on this Disclosure.  
Annual Fee 
VISA Platinum - None   
Elite VISA Signature  - None    Over -the-Credit Limit Fee 
$20.00 or the amou nt of the transaction exceeding Your approved credit limit, whichever is less.  If You have 
elected the feature to allow Your Accou nt to go ov er Your credi t limit, We may charge You a fee as allowed by 
law.  However, in no case will W e impose an over- the-limit fee except in the nex t two billing cycles unless You 
have obtained an additional extension of credit in excess of such credi t limit during each subsequent cycle or You 
have reduced the balanc e below the credit limit as of the end of each billing cycle.   
Returned Payment Fee 
$20.00 or the amount of the required minimum payment, whichever is less.  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.  
Docume nt Copy Fee 
$12.00.  If Your Accou nt is subject to a Documen t Copy Fee, excep t as limited by applicabl e law, a fee may be 
charged t o Your Accou nt for each copy of a sales draft or statement that You request (except when the request is 
made in connection wi th a billing error made by the Credit Union).   
Pin Replacement Fee 
$0.00 
Rush Fee 
$47.50.  If Your Accou nt is subject to a Rush Fe e, except as limited by applicable law, a fee may be charged to 
Your Accou nt for each rush Card th at You request, providing th at delivery of the Card is also available by standard 
mail servic e, withou t paying a fee for delivery.  
Stateme nt copy Fee 
$3.00 per pag e.  If Your Accou nt is subject to a Stateme nt Copy Fee, except as limited by applicabl e law and 
when the request is made in connection wi th a billing error mad e by the Credit Union, a fee may be charged to 
Your Accou nt for each copy of a sales draft or statement tha t You request.   
Card Replaceme nt Fee 
$10.00 per card.  If Your Accou nt is subject to a Card Replacement Fe e, A fee will be charged f or each 
replacement Card that is issued to You for any reason.