Choice Rewards
Credit Card
Agreement and Disclosures
2355 W. Pinnacle Peak Rd.
Phoenix, AZ 85027
REV. 4/20/16Card and Account are subject to the following 
conditions:
a. Ownership of Cards.  Any Card or other credit  
 instrument or device which we supply to you is  
 our property and must be returned to us, or to any  
 person whom we authorize to act as our agent, or  
 to any person who is authorized to honor the Card,  
 immediately according to instructions. The Card  
 may be repossessed at any time at our sole  
 discretion without demand or notice. You cannot  
 transfer your Card or Account to another person.  
 You may not use the Card for any illegal or unlawful  
 transactions and we may decline to authorize any  
 transaction that we believe poses an undue risk of  
 illegality or unlawfulness.
b. Honoring the Card.  Neither we nor merchants  
 authorized to honor the Card will be responsible  
 for the failure or refusal to honor the Card or any  
 other credit instrument or device we supply to  
 you. If a merchant agrees to give you a refund  
 or adjustment, you agree to accept a credit to your  
 Account in lieu of a cash refund.
c. Currency Conversion/Foreign Transaction Fee.   
 Purchases and cash advances made in foreign  
 countries will be billed to you in U.S. dollars. The  
 currency conversion rate for international  
 transactions as established by VISA International,  
 Inc. is 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. In addition,  
 you will be charged a Foreign Transaction Fee of  
 1% of the transaction amount for any card  
 transaction made in a foreign country.
d. Notices and Payments. All notices will be sent  
 to your address as shown on your credit union  
 account. You agree to advise us promptly if you  
 change your mailing address. All payments should  
 be mailed to us at the remittance address shown  
 on your monthly statements. Payments received at  
 that address will be credited to your Account as of  
 the date received.
e. Personal Identification Number.  We will issue you  
 a Personal Identification Number (�PIN�) for use  
 with your Card at automatic teller machines  
 (�ATMs�). These numbers are issued to you for your  
 security purposes. These numbers are confidential  
 and should not be disclosed to third parties. You  
 are responsible for safekeeping your PIN. You  
 agree not to disclose or otherwise make available  
 your PIN to anyone not authorized to sign on your   Account. To keep your Account secure, please do  
 not write your PIN on your Card or keep it in the  
 same place as your Card.
13. LOAN PROTECTION.  Loan Protection coverage 
is not required for any extension of credit under 
this Agreement. However, you may purchase any 
loan protection available through us and have the 
premiums added to your outstanding balance. If 
you elect to do so, you will be given the necessary 
disclosures and documents separately.
14. DEFAULT. You will be in default under this 
Agreement if any of the following occur: (a) Any 
minimum monthly payment is not made when due; 
(b) You become insolvent, bankrupt, or you die; (c) 
You violate any part of this Agreement, or any other 
agreement with us; or (d) if we reasonably deem 
ourselves insecure on your credit line. We will notify 
you in writing of any such action as soon as practical 
if it occurs. Upon default, we may declare the entire 
unpaid balance immediately due and payable, and 
you agree to pay that amount plus any attorney�s fees 
and costs including collection agency costs incurred 
by us. We can delay enforcing any right under this 
Agreement without losing that right or any other 
right. A negative credit report reflecting on your 
credit record may be submitted to a credit-reporting 
agency if you fail to fulfill the terms of this Agreement.
15. CREDIT INFORMATION / FINANCIAL STATEMENTS. 
You authorize us to release information to others 
(e.g., credit bureaus, merchants, and other financial 
institutions) regarding the status and history of your 
credit line. You agree to provide us, at any time we 
deem necessary, with a current financial statement 
and updated credit information upon request. We 
may investigate your credit directly or through a credit 
reporting agency.
16. LOSS OR THEFT OF VISA CREDIT CARD OR 
CONVENIENCE CHECKS.  You agree to notify us 
immediately of the loss, or the theft, or the use 
without your permission, of any Card or other credit 
instrument or device which we supply to you. You 
may be liable for the unauthorized use which occurs 
after you notify us at: Telephone: (800) 449-7728 or 
by writing us at P .O. Box 31112, Tampa, FL 33631- 
3112 orally or in writing of loss, theft, or possible 
unauthorized use. If you notify us of your lost or 
stolen Credit Card after discovery, you may not be 
liable for any losses related to credit transactions. 
This zero liability will apply provided you were not grossly negligent or fraudulent in handling your Card; 
otherwise your liability for unauthorized VISA Credit 
Card transactions shall not exceed $50.
17. YOUR CREDIT CARD 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: OneAZ Credit Union, P .O. Box 31112, Tampa, 
FL 33631-3112. 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. 
You may call us, but if you do we are not required to 
investigate any potential errors and you may have to 
pay the amount in question.
What Will Happen After We Receive Your Letter.  
When we receive your letter, we must do two things: 
1.  Within 30 days of receiving your letter, we must tell  
 you that we received your letter. We will also tell  
 you if we have already corrected the error.
2. Within 90 days of receiving your letter, we must  
 either correct the error or explain to you why we  
 believe the bill is correct.
While we investigate whether or not there has been 
an error: 
 �  We cannot try to collect the amount in question,
  or report you as delinquent on that amount.
 �  The charge in question may remain on your  
  statement, and we may continue to charge you  
  interest on that amount. 
 �  While you do not have to pay the amount in  
  question, you are responsible for the remainder  
  of your balance.  �  We can apply any unpaid amount against your  
  credit limit.
After we finish our investigation, one of two things  
will happen:
 �  If we made a mistake: You will not have to pay  
  the amount in question or any interest or other  
  fees related to that amount.
 �  If we do not believe there was a mistake: You  
  will have to pay the amount in question, along  
  with applicable interest and fees. We will send  
  you a statement of the amount you owe and  
  the date payment is due. We may then report  
  you as delinquent if you do not pay the amount  
  we think you owe.
If you receive our explanation but still believe your bill
is wrong, you must write to us within 10 days telling 
us that you still refuse to pay. If you do so, we cannot 
report you as delinquent without also reporting 
that you are questioning your bill. We must tell you 
the name of anyone to whom we reported you as 
delinquent, and we must let those organizations know 
when the matter has been settled between us. If we 
do not follow all of the rules above, you do not have 
to pay the first $50 of the amount you question even 
if your bill is correct.
Your Rights If You Are Dissatisfied With Your Credit
Card Purchases.  If you are dissatisfied with the goods
or services that you have purchased with your credit 
card, and you have tried in good faith to correct the 
problem with the merchant, you may have the right 
not to pay the remaining amount due on the purchase.
To use this right, all of the following must be true:
1. The purchase must have been made in your home  
 state or within 100 miles of your current mailing  
 address, and the purchase price must have been  
 more than $50. (Note: Neither of these are necessary  
 if your purchase was based on an advertisement  
 we mailed to you, or if we own the company that  
 sold you the goods or services.)
2. You must have used your credit card for the  
 purchase. Purchases made with cash advances  
 from an ATM or with a check that accesses your  
 credit card account do not qualify.
3. You must not yet have fully paid for the purchase.  
 
If all of the criteria above are met and you are still  
dissatisfied with the purchase, contact us in writing  
at the above address. 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.
18. AMENDMENTS. We reserve the right to amend 
the terms and conditions of this Agreement as 
permitted by and subject to any limitations or notice 
requirements of applicable law.
19. GOVERNING LAW.  This Agreement will not take
effect until it is approved by us. This Agreement shall 
be governed by the laws of the State of Arizona.
20. ENTIRE AGREEMENT.  You understand and agree 
to the terms and conditions in this VISA Credit Card 
Agreement. You acknowledge that you have received
a copy of the Agreement. This Agreement is a 
final expression of the agreement between you 
and the Credit Union. This Agreement may not be 
contradicted by evidence of any oral agreement 
or alleged oral agreement and contains the terms 
applicable to the credit transaction.
M-118444 ONEAZ CREDIT UNION
CHOICE REWARDS CREDIT CARD
AGREEMENT AND DISCLOSURE
1. INTRODUCTION.  This VISA Credit Card Agreement 
(Agreement) and the Account Disclosures 
accompanying this Agreement will govern your 
Choice Rewards Credit Card and account issued by 
OneAZ Credit Union. In this Agreement the words 
�you,� �your,� �yours,� �applicant,� and �Borrowers� 
mean any person who signs the application for this 
Account, any joint obligor, guarantor, authorized user,
or the person whose name is embossed on the Card. 
The words �we,� �us,� �our,� and �Lender� mean 
OneAZ Credit Union. The word �Card� means any 
one or more credit cards issued under the Credit 
Union�s VISA Card program. If you sign or cosign an 
application for this Account or sign or use any Card 
or PIN, or allow others to use the Card or PIN, you 
and they will have accepted this Agreement just as if 
you and they signed it, and you and they, jointly and 
severally, will be bound by the following terms and 
conditions which will govern this Account.
2. ACCOUNT ACCESS.
a. Purchases, Cash Advances & Balance Transfers.   
 You must sign the Card to use it. Once you have  
 signed the Card, you can use it to buy or lease  
 goods or services, wherever the Card is honored,  
 up to the full amount of your credit line. You may  
 use your Account to get cash advances from us. You  
 may also use your Card to get a cash advance from  
 participating financial institutions or automated  
 teller machine (ATM). You may use your Card to  
 purchase goods and services any place your  
 VISA Card is honored by participating merchants.  
 In addition, you may access your account through  
 balance transfers of credit card balances from  
 other financial institutions. No purchase may  
 exceed the available credit line established for your  
 account. The Credit Union reserves the right  
 to refuse any transaction that would draw upon  
 insufficient funds.
b. VISA Convenience Checks.  If available, you may  
 obtain advances under your Account by writing  
 preprinted VISA convenience loan checks that we  
 supply to you. Your use of loan checks will be  
 shown as cash advances on your monthly  
 statement. We may not honor your loan check if:  
 your check is post-dated; payment of the check  
 would exceed your Credit Limit; a check is signed  
 by person without authorized access; the amount of   the check is less than the minimum required  
 amount; your Account has been terminated or  
 suspended, or any drafts have been reported lost  
 or stolen. You may stop payment on a loan check if  
 you provide us with the exact information  
 describing the check. If you give us incorrect  
 information, we will not be responsible for failing to  
 stop payment. You understand there may be a  
 charge for each stop payment order requested.  
 Our liability for a wrongful dishonor is limited  
 to your actual charges; however, a dishonor for the  
 reasons stated above is not a wrongful dishonor.  
 Only the person whose name is printed on a  
 convenience check may sign it. All convenience  
 checks must be written in U.S. dollars. We will  
 not certify a convenience check. You may write  
 these checks for any amount providing your total  
 outstanding balance does not exceed your  
 available credit limit and your credit card remains  
 in good standing. We are entitled to return it  
 unpaid if there is not enough available credit on  
 your account to pay it, if you are in default under this  
 Agreement, if your card or convenience checks have  
 been reported lost or stolen, or if the convenience  
 check is post-dated. A VISA convenience check  
 may not be used to make a payment on your VISA  
 credit card account. The Credit Union shall have no  
 liability for any convenience check returned in  
 excess of your credit line.
3. YOU PROMISE TO PAY.  You promise to pay us 
all such amounts, plus any Interest Charges, which 
arise from use of the Card or Account by you or any 
other person, and to be jointly and severally liable 
with such a person, unless such other person does 
not have actual, implied, or apparent authority for 
such use, and you received no benefit from the use. 
You promise to pay us either by direct payment or by 
automatic transfers.
4. CREDIT LINE.  This Agreement will constitute a  
revolving line of credit for an amount which will  
be the credit line under your Account. You may  
access your credit line through card purchases, cash  
advances at participating merchants, loan checks  
and balance transfers. We will advise you of the  
amount of your credit line on your statement.  
That amount will be the maximum amount you may  
have outstanding at any one time. You agree not to  
attempt to obtain more credit than the amount  
of your credit line. We retain the right to increase  
or decrease your credit line at any time for any  
reason. Any increase or reduction on the limit of your  credit line will be shown on your monthly statement 
or by separate notice together with any changes in 
the applicable minimum monthly payments. Your 
eligibility for this credit line is determined by our 
loan policy and may be terminated at our sole 
discretion, without demand or notice. You may close 
your credit line at any time by notifying us in writing. 
If you terminate this Agreement or if we terminate 
or suspend your credit privileges, the provisions of 
this Agreement and your liability hereunder shall 
otherwise remain in full force and effect until you have 
paid us all sums due us under this Agreement.
5. MINIMUM MONTHLY PAYMENT.  You agree that 
you will pay each month not less than the minimum 
monthly payment on or before the scheduled monthly 
due date. The minimum monthly payment will be 
2.0% of your outstanding balance (�New Balance�) 
or $25.00, whichever is greater. If your outstanding 
balance is $25.00 or less, you agree to pay the balance 
in full. You may pay in full for all your purchases and 
cash advances each month, or you may repay in 
monthly installments. We can accept late payments 
or partial payments, or checks, drafts, or money 
orders marked �payment in full� without prejudice 
to our rights under this Agreement, which are hereby 
explicitly reserved. A credit posting from a merchant 
or reversal of fees do not constitute a minimum 
payment. The minimum payment may be allocated 
at the Credit Union�s discretion to pay off lower rate 
balances, such as promotional offers, before higher 
rate balances, such as cash advances or purchases. 
Payments in excess of the minimum payment will be 
allocated first to higher rate balances, as applicable. 
From time to time, we may allow you to skip your 
minimum monthly payment due. If you choose to 
skip that payment, Interest Charges will continue to 
accrue in accordance with this Agreement. Payments 
received at: 2355 W. Pinnacle Peak Rd., Phoenix, AZ 
85027 at or before 5:00 PM Mountain Standard Time 
on any business day will be credited to your Account 
as of that date; payments received by mail at that 
address after 5:00 PM Mountain Standard Time, 
on a weekend or federal holiday will be posted to 
your Account as of the next business day. Payment 
crediting to your Account may be delayed up to 
five days if your payment is received by mail at any 
other address or not accompanied by the remittance 
portion of your Account statement.
6. SECURITY INTEREST. You grant the Credit Union a
security interest under the Arizona Uniform 
Commercial Code in any goods purchased through your VISA Credit Card Account. You agree that all 
collateral you have given the Credit Union to secure 
other open-end consumer loan obligations (except 
dwelling secured loans), in the past and in the future, 
will secure your obligations under this Agreement. In 
addition, by signing the Card Application, you have 
given us a security interest in all your shares and 
deposits, present and future, and all accounts (except 
Individual Retirement Accounts) with the Credit Union 
you agree, upon default, the Credit Union may apply 
all that is secured to pay any amounts due under this 
Agreement, without further notice to you.
7. MONTHLY STATEMENTS. Each month we will 
send you a statement showing purchases, cash 
advances, payments, and credits made to your 
Account during the billing cycle, as well as your �New 
Balance,� any Interest Charge and any late charge or 
other charges.Your statement also will identify the 
Minimum Monthly Payment you must make for that 
billing period and the date it is due. You agree to 
retain for statement verification copies of transaction 
slips resulting from each purchase, each advance, and 
other transaction on your Account. Unless you notify 
us of a billing error as described below, you accept 
your monthly statement as an accurate statement of 
your Account with us.
8. CIRCUMSTANCES UNDER WHICH AN INTEREST
CHARGE WILL BE IMPOSED.  The total outstanding 
balance of purchases and cash advances in the 
Account on the closing date of a billing cycle, 
including any Interest Charge will be shown on the 
Periodic Statement for that billing cycle as the �New 
Balance.�
a. Cash Advances (Interest Charge).  An Interest  
 Charge will be imposed on cash advances and  
 balance transfers from the date each advance is  
 made to the date paid. The Credit Union charges  
 a cash advance fee (Interest Charge) of 3% of the  
 cash advance transaction (minimum $10.00) from  
 the date of the transaction until the amount is paid.  
 There is no grace period to avoid a cash advance|  
 fee (Interest Charge). There is no cash advance  
 fee on balance transfer advances or convenience  
 checks. There is a minimum Finance Charge of  
 $1.00 on unpaid balances.
b. Purchases. An Interest Charge will be imposed on  
 the portion of purchases included in the new  
 balance that remains unpaid 25 days after the  
 closing date. This �grace period� allows you to  
 avoid an Interest Charge on purchases for a billing  
 cycle. However, to the extent you do not pay your purchase transactions within the grace period, your 
Interest Charge will accrue from the date purchases 
are posted to your account. There is a minimum 
Finance Charge of $1.00 on unpaid balances.
9. METHOD USED TO DETERMINE THE BALANCE 
ON WHICH THE INTEREST CHARGE MAY BE 
COMPUTED AND AMOUNT OF INTEREST CHARGE.
The Credit Union figures the Periodic Interest Charge  
on your Account by applying the Periodic Rate to the  
�Average Daily Balance� of new and previous unpaid  
transactions for your Account. To get the �Average  
Daily Balance� we take the beginning purchase and  
cash advance balances of your Account each day, add  
any new purchases, cash advances, balance transfer  
amounts or debit adjustments or charges and subtract  
any payments or credits, unpaid Interest Charges and  
unpaid late charges. This gives us the daily balance.  
Then we add up all the daily balances for the billing  
cycle and divide by the number of days in the billing  
cycle. This gives us the Average Daily Balance for  
purchases, cash advances and balance transfers.
10. PERIODIC RATE AND CORRESPONDING 
ANNUAL PERCENTAGE RATE.
a. Variable Rate.  During an introductory period, we  
 offer a fixed Annual Percentage Rate for purchases,  
 cash advances and balance transfers. The  
 introductory period is six months for purchases and  
 cash advances and nine months for balance  
 transfers. After the introductory period, your  
 Annual Percentage Rate will be variable based on  
 the following terms. The Interest Charge imposed  
 during the billing cycle will be determined by  
 multiplying the Average Daily Balance by the Daily  
 Periodic Rate times the number of days in the  
 billing cycle. The Periodic Rate and Annual  
 Percentage Rate are variable based on a margin  
 and an index, which is the highest Prime  
 Rate published in the Western Edition of the Money  
 Rates Section of the Wall Street Journal. We add a  
 margin to the index to obtain the Annual  
 Percentage Rate. The margin we add may range  
 from 7.74% to 14.75% based upon your credit  
 qualifications. The index is determined the  
 1st day of the billing cycle immediately following  
 the expiration of the Introductory Rate period  
 and subsequently, on the 15th day of the month  
 immediately proceeding the 1st day of each billing  
 cycle, rounded to the nearest .25 percentage  
 point. The index plus/minus margin equals the  
 Annual Percentage Rate. The Annual Percentage  
 Rate is divided by 365 to determine the Daily   Periodic Rate. Changes in the Annual Percentage  
 Rate may affect the amount of the payment and  
 the number of payments you will make. The Annual  
 Percentage Rate will never exceed 18.00%. The  
 Annual Percentage Rate and Periodic Rate  
 applicable to your account will be based upon  
 your credit qualification and margin assigned to  
 you and will be disclosed on a separate disclosure  
 accompanying your Card or this Agreement and  
 shown on each monthly statement. The �Total  
 Interest Charge� shown on your monthly statement  
 consists of the periodic Interest Charge on  
 purchases, the periodic Interest Charge on cash  
 advances and Cash Advance (Interest Charge) fees.
b. Default Rate.  The Daily Periodic Rate and Annual  
 Percentage Rate may increase if your minimum  
 payment has not been received within 60 days after  
 the due date for such payment, in which case the  
 Annual Percentage Rate for your entire balance  
 will immediately increase to 18.00%. Following the  
 default rate increase, if you make your payments  
 on time for six (6) consecutive months, the Annual  
 Percentage Rate based on a default will terminate  
 and the prevailing variable Annual Percentage  
 Rate will apply.
11. CONDITIONS UNDER WHICH OTHER CHARGES 
MAY BE IMPOSED.  You agree to pay the following 
fees and charges on your Account:
a. Late Fee.  If we do not receive your minimum  
 payment by the payment due date shown on your  
 statement, you agree to pay a Late Fee of $25.00.
b. Returned Item Charge.  If any check or draft we  
 receive from you as payment for any amount you  
 owe to us is returned to us unpaid, you agree to  
 pay a returned item fee of $25.00 or the amount of  
 the returned item, whichever is less.
c. ATM Fees. If you use an ATM to obtain a cash  
 advance and the ATM is not operated by us,  
 you may be charged an ATM surcharge by the  
 ATM operator or an ATM network utilized for such  
 a transaction. The ATM surcharge may be charged  
 to your account if you complete the transaction.
d. Attorney�s Fees and Costs.  If you default on  
 any part of this Agreement, you agree to pay us  
 all costs to collect your Account, including court  
 costs and reasonable attorney fees and collection  
 agency costs whether or not there is a lawsuit,  
 and fees on any appeal and fees for bankruptcy  
 proceedings, appeals, and any post judgment  
 collection services, if applicable.
12. CONDITIONS OF CARD USE.  The use of your