Your STCU Visa® Gold Credit 
Card Agreement and Disclosures
Important Disclosures Containing the Various 
Terms and Benefits of Your Account.

This Visa Credit Card Agreement (Agreement) and the Important Account 
Disclosures accompanying this Agreement will govern your VISA Gold 
Credit Card and Account issued between you and Spokane Teachers Credit 
Union. In this Agreement, the words “you” and “your” mean each and all 
of those who apply for the card or who sign this Agreement. “Card” means 
the Visa credit card and any duplicates and renewals we issue. Everyone 
who receives, signs, or uses a card issued under this Agreement must be 
a member of Spokane Teachers Credit Union. “Account” means your Visa 
credit card line of credit Account with us. “We”, “us”, and “our(s)” means 
Spokane Teachers Credit Union.

1.  Responsibility. If we issue you a card, you agree to repay all 
amounts plus any Interest Charges arising from the use of the card and 
the card Account by you and/or any other authorized users (even if such 
other persons exceed their authority). You cannot disclaim responsibility 
for the use of the card and Account by authorized users, but we will close 
the Account for new transactions if you so request and return all cards. 
Your obligation to pay the Account balance continues even though an 
agreement, divorce decree, or other court judgment to which we are not a 
party, may direct you or one of the other persons responsible to pay the 
Account. Any person using the card is jointly responsible for all charges 
on the Account, including yours.
2.  Lost Card Notification. If you believe your card has been lost or 
stolen, you agree to immediately call the credit union at (509) 326-1954 
WA, (208) 619-4000 ID or toll free at 1-800-858-3750. After business 
hours or on weekends, call toll free at 1-800-234-5354 or 1-410-581-9994 
internationally.
3.  Liability for Unauthorized Use. You agree to notify us 
immediately of the loss, theft or unauthorized use of your credit card. If 
you notify us of your lost or stolen credit card, you will not be liable for 
losses. This liability exclusion will apply provided you were not grossly 
negligent or fraudulent in handling your credit card, otherwise your 
liability for unauthorized Visa Credit Card ATM transactions may be up to 
$50. These limits of liability may not apply when the card is used to make 
an electronic funds transfer.
4.  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 our instructions. 
The card may be repossessed at any time in our sole discretion without 
demand or notice. You agree to pay any of the fees or costs incurred in 
the credit union’s recovery of the card. You cannot transfer your card or 
Account to another person.
5.  Credit Line. If we approve your application, we will establish a 
self-replenishing line of credit for you and notify you of its amount when 
we issue the card. You agree not to let the Account balance exceed this 
approved credit line. If you initiate a transaction that will exceed your 
approved credit limit, your transaction may be denied. Each payment 
you make on the Account will restore your credit line, not to exceed your 
approved credit limit, by the amount of the payment which is applied 
to principal. You may request an increase in your credit line, but any 
increase must be approved by Spokane Teachers Credit Union. By giving 
you written notice, we may reduce your credit line from time to time, or 
with good cause, revoke your card and terminate this Agreement. Good 
cause includes your failure to comply with this Agreement, or our adverse 
re-evaluation of your creditworthiness. You may also terminate this 
Agreement at any time, but termination by either of us does not affect 
your obligation to pay the Account balance.

6.  Credit Information. You authorize us to investigate your credit 
standing when opening, renewing, or reviewing your Account, and you 
authorize us to disclose information regarding your Account to credit 
bureaus and other creditors who inquire of us about your credit standing 
as authorized by applicable law.
7.  Monthly Payment. We will mail you a statement every month if 
your Account has a balance.  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 your Account balance in full 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. Your payments may not be made in excess of your 
balance or to exceed your approved credit limit. 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: PO Box 14429, Des Moines, IA 50306-3429 at or 
before 5:00 PM Central 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 Central time on any business day, on a weekend, or on a 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.
8.  Interest Charges. The Interest Charge for a billing cycle will be the 
sum of two components:

  a.  Cash advance and balance transfer fee. Cash advance transactions, 
balance transfers, transfers, or checks (excluding convenience 
checks) are subject to a cash advance fee (Interest Charge) of 
either $5 or 2% of the total dollar amount of each cash advance, 
whichever is greater, which is posted to your Account during the 
billing cycle and not to exceed the maximum rate permitted credit 
unions during the billing cycle.

  b.  Daily periodic Interest Charge. A daily periodic Interest Charge 

may apply to any purchases, cash advances, and balance transfers 
included in the current average daily balance. The daily periodic 
Interest Charge for each billing cycle will be calculated by 
multiplying the average daily balance (see the explanation below) 
for your Account for the billing cycle by the daily periodic rate.

An Interest Charge will be imposed on the portion of the New Balance 
that remains unpaid within 23 days after the closing date. This “grace 
period” allows you to avoid an Interest Charge on purchases and 
promotional offers for a billing cycle. However, if you do not pay the 
New Balance within the grace period, your Interest Charge will accrue 
on the unpaid portion effective the opening date of the following billing 
cycle. Your cash advance and balance transfer balances have no grace 
period.

9.  Calculation of the Average Daily Balance. We calculate the 
average daily  balance for your Account for the billing cycle (the balance 
which is  subject to the daily periodic rate) by computing the average of 
the daily balances for each day of the billing cycle by the balance type. 
To calculate the daily balance, we take the outstanding balance (all of 
the amounts you owe for that balance type) at the start of the day. Then, 
in the sequence in which the amounts post to your Account, we add 
the amounts of all debits and subtract the amounts of all payments and 
credits which post to your Account that day. After applying payments 
and credits, we subtract any amount of Interest Charge, late charge, and 

overlimit charge that remains unpaid. The result is the daily balance for 
that day. We add together all the daily balances for each day by the 
balance type in the billing cycle and divide the total by the number of 
days in the billing cycle. The result is the average daily balance for that 
billing cycle.

The Annual Percentage Rate for your purchase balance is 10.90%, with a 
Daily Periodic Rate of .029863%.

The Annual Percentage Rate for your cash advance and balance transfer 
balances is 13.90%, with a Daily Periodic Rate of .038083%. 

10. Default. You will be in default if you fail to make any minimum 
monthly payment by the monthly payment due date. You will also be in 
default if your ability to repay us is materially reduced by a change in your 
employment, an increase in your obligations, bankruptcy, or insolvency 
proceedings involving you, your death, or your failure to abide by this 
Agreement or if the value of your security interest materially declines. We 
have the right to demand immediate payment of your full Account balance 
if you default, subject to our giving you any notice required by law. To the 
extent permitted by law, you will also be required to pay our collection 
expenses, including collection agency fees, if applicable, court costs and 
reasonable attorney fees.
11. Using the Card. There are a variety of means that you may employ 
to make a purchase or cash advance with your Account. One is for you 
to present your card to a participating Visa plan merchant, to us, or to 
another financial institution, and sign the sales or cash advance draft 
which will be imprinted with your card. Another is to identify your card 
number and expiration date to a participating Visa plan merchant for 
the purpose of making a purchase or payment by telephone or over the 
Internet. Merchants participating in Verified by Visa will require a  
password to authenticate your identity before completing the transaction. 
Yet another is to use your card and personal identification number (PIN) 
in an automated teller machine or other electronic terminal that provides 
access to the Visa system. You are also welcome to access available 
credit through the use of Visa Gold convenience checks in accordance 
with the terms presented above. Your monthly statement will identify the 
merchant, financial institution, convenience check number, or electronic 
terminal at which transactions were made, but STCU does not return 
sales, cash advance, credit, or other slips with the statement. You will 
retain the copy of such slips or documents furnished at the time of the 
transaction in order to verify the monthly statement. The credit union may 
make a reasonable charge for photocopies of slips you may request.

You may not use your card for an illegal or unlawful transaction, and we 
may decline to authorize any transaction that we believe poses an undue 
risk of illegality or unlawfulness.

12. Returns and Adjustments. Merchants and others who honor the 
card may give credit for returns and adjustments, and they will do so by 
sending us a credit transaction which we will post to your Account. If your 
credit along with your monthly payment exceed what you owe us, we 
reserve the right to credit the balance against future purchases and cash 
advances to the extent permitted by law.
13. 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.  All international purchase transactions will 
include a 1% Foreign Transaction Fee that is passed through Visa.
14. Plan Merchant Disputes. We are not responsible for the refusal 
of any plan merchant or financial institution to honor your card. We are 
subject to claims and defenses (other than tort claims) arising out of 
goods and services you purchase with the card, only if you have made 
a good faith attempt but have been unable to obtain satisfaction from 
the plan merchant, and (a) your purchase was made in response to 

an advertisement we sent or participated in sending you, or (b) your 
purchase cost more than $50.00 and was made from a plan merchant in 
your state or within 100 miles of your home. Any other disputes you must 
resolve directly with the plan merchant.
15. Automatic Overdraft Authorization. You authorize us to clear any 
overdraft(s) on your STCU checking-type deposit accounts by an advance 
from your Visa Gold Account in the amount of the overdraft, or in such 
increments as we may from time to time determine, subject to the terms of 
this Agreement. If you are not eligible to receive advances from us under 
this Agreement, your check(s) may be returned and your account closed.
16. Security Interest. To secure your Account, (a) you agree we have a 
statutory lien on your shares and dividends to the extent of any amounts 
due and payable under this Agreement, provided you have signed a 
separate Security Agreement and (b) you grant us a purchase money 
security interest under the Uniform Commercial Code in any goods you 
purchase through the Account. If you default, we will have the right to 
recover any of these goods which we have not been paid for through 
our application of your payments in the manner described previously. In 
addition you agree your Account will be secured by the property described 
in any other Security Agreements you have given the credit union, except 
for your home.
17. Effect of Agreement. This Agreement is the contract which applies 
to all transactions on your Account even though the sales, cash advance, 
credit or other slips you sign or receive may contain different terms. We 
reserve the right to amend the terms and conditions of this Agreement 
at anytime as permitted by and subject to any limitations and notice 
requirements of applicable law.
18. Fees and Charges.

  a.  Late Payment Fee. If your minimum payment is not paid by the 

payment due date, you will be subject to a single charge up to $25.00.

  b.  NSF Item Returned Fee. A $25.00 charge will be assessed for each  
Visa Gold convenience check returned regardless of the reason.

c.  Stop Payment Fee. Stop payment orders placed for Visa Gold 

convenience checks are subject to a $25.00 stop payment fee. A   
recurring payment stop fee is $5.00.

  d.  Research and Copying Charge. If you ask us to examine your 

Account or provide copies of documents, except in resolution of 
a billing error, we may charge you $2.00 for each statement copy 
and $25.00 per hour with a $5.00 minimum charge for the research. 
Transaction copy request fee is $12.00 per copy.

  e.  Card Recovery Fee. If you report your card lost or stolen and 

subsequently find the card, and before notifying us, you use the card,  
 there may be a $65.00 charge for recovering your card, if captured.

f.  ATM Fees. If you use an ATM that is not operated by the Credit 

Union, you may be charged an ATM surcharge by the ATM operator 
or an ATM network utilized for such a transaction. The ATM 
surcharge will be debited from your Account if you elect to complete 
the transaction.

  g.  Card Replacement Delivery Fee. The standard card delivery fee is 

$5.00. The two day delivery fee is $15.00.

19. Enforcement. The Agreement is governed by the Bylaws of the 
Credit Union, federal laws and regulations, the laws and regulations of 
the state of Washington and the state in which you reside, as applicable 
from time to time. If any provision of this Agreement is held invalid, the 
remaining provisions that are severable shall remain in effect.
20. 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: Spokane Teachers Credit 
Union, P.O. Box 1954, Spokane, WA 99210-1954. 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.

Visa Credit Card Supported Features
1-800-VISA-911 Cardholder Inquiry Service
Whenever you need emergency service or answers, call the Program 
Administrator, 24 hours a day, 365 days a year: 1-800-VISA-911  
(1-800-847-2911). If you are outside of the United States, please call 
collect: 0-410-581-9994. For balance inquiries and Account-related 
questions please call the customer service number on your statement.

Emergency Cash
With this service, you can receive up to $5,000 in emergency cash, usually 
within 24 hours. Once your emergency cash request has been approved 
and processed, you can pick up the cash at a convenient financial 
institution location or at an Emergency Service Location.

Emergency Card Disbursement
With this service, you have piece of mind knowing that your Visa card can 
be replaced quickly, easily, and conveniently. In the U.S. a card can be 
replaced and delivered in as little as 24 hours. Outside of the U.S., it is 
often replaced as quickly as one business day.

Lost/Stolen Card Reporting
One call to the Visa Assistance Center will block your Account to prevent 
fraudulent charges, and to arrange for a replacement card to be delivered 
to you. “Live” customer service agents are available 24 hours a day, 7 
days a week by calling (800) 234-5354. Overseas travelers can dial collect 
by calling 1-410-581-9994.

Auto Rental Collision Damage Waiver Program
What is this benefit? When certain terms and conditions are met, the 
Visa Auto Rental Collision Damage Waiver benefit (“Auto Rental CDW”) 
provides— at no additional charge—reimbursement for damage due to 
collision or theft up to the actual cash value of most rental vehicles. In 
your country of residence, this benefit is supplemental to, and excess 
of, any valid and collectible insurance from any other source. We will 
reimburse only for that damage or theft not payable by any other party. 
Here are answers to some commonly asked questions about the benefit.

Who is eligible? You are eligible only if you are a valid cardholder whose 
name is embossed on an eligible U.S.-issued Visa card. Only you as the 
primary renter of the vehicle and any additional drivers permitted by the 
auto rental agreement are covered.

What is covered? Subject to the terms and conditions in this Guide to 
Benefit, Visa Auto Rental CDW reimburses you for the deductible portion 
of your personal automobile insurance, valid administrative and loss-of 
use charges imposed by the rental car company, as well as reasonable 
towing charges resulting from covered damage or theft of the rental 
vehicle while it is your responsibility. If you do not have personal 
automobile insurance or any other insurance covering this loss, this 
benefit reimburses you for the covered damage or theft as well

as valid administrative and loss-of-use charges imposed by the auto rental 
company and reasonable towing charges. Only vehicle rental periods 
that neither exceed nor are intended to exceed fifteen (15) consecutive 
days within your country of residence or thirty-one (31) consecutive days 
outside your country of residence are covered. The benefit provides 
reimbursement up to the actual cash value of the vehicle as it was 
originally manufactured. Most private passenger automobiles, minivans, 
and sport utility vehicles are eligible, but some restrictions may apply. 
Please contact the Benefit Administrator to inquire about a specific 
vehicle. 

Within your country of residence, this benefit supplements, and applies 
excess of, any valid and collectible insurance or reimbursement from any 
source. This means that, subject to the terms and conditions of this Guide 
to Benefit, Visa Auto Rental CDW applies to losses or expenses that are 
not covered by insurance or reimbursement. 

Covered losses are:

• Physical damage and/or theft of the covered rental vehicle.
• Valid loss-of-use charges imposed and substantiated by the auto 

rental company through a fleet utilization log.

• Losses for which a claim form has not been received within ninety (90) 

days* from the date of loss.

• Losses for which all required documentation has not been received 

within 365 days from the date of loss.

• Reasonable and customary towing charges, due to a covered loss, to 

• Losses from rental transactions which originated in Israel, Jamaica, the 

the nearest qualified repair facility.

How do I activate this benefit? 
For the benefit to be in effect, you must:

Republic of Ireland, or Northern Ireland.

* Not applicable to residents of certain states.

• Initiate and complete the entire rental transaction with your eligible 

Visa card, and

• Decline the auto rental company’s collision damage waiver (CDW/LDW) 

option, or similar provision, if offered by the auto rental company.

What if the auto rental company insists that I purchase the auto rental 
company’s auto insurance or collision damage waiver? Call the Benefit 
Administrator at 1-800-VISA-911 for help. If you are outside the United 
States, call collect at 0-410-581-9994.

Helpful hints:

• Check the rental vehicle for prior damage before leaving the rental lot.
• Review the auto rental agreement carefully to make sure you are 

declining CDW/LDW and also to familiarize yourself with the terms and 
conditions of the auto rental agreement.

What do I do if I have an accident or the rental vehicle is stolen? 
Immediately call the Benefit Administrator at 1-800-VISA-911 to report 
the theft or damage regardless of whether your liability has been 
established. If you are outside the United States, call collect at 0-410-
581-9994. The Benefit Administrator will answer any questions you or the 
rental agency may have and will then send you a claim form.

All incidents must be reported immediately following the theft or damage, 
but in no event later than forty-five (45) days* following the date of the 
theft or damage. Furthermore, we reserve the right to deny any claim 
that contains charges that would not have been included had the Benefit 
Administrator been notified before those expenses were incurred. We 
therefore advise you to notify us immediately after any loss. You must 
make every reasonable effort to protect the rental vehicle from damage 
or theft.

What is not covered?

• Any obligation you assume under any agreement (other than the 

deductible under your personal auto policy).

• Any violation of the auto rental agreement or this benefit.
• Injury of anyone or damage to anything inside or outside the rental 

vehicle.

• Loss or theft of personal belongings.
• Personal liability.
• Expenses assumed, waived, or paid by the rental agency or its 

insurer.

• Cost of any insurance or collision damage waiver offered by or 

purchased through the auto rental company.

• Depreciation of the rental vehicle caused by loss or damage including, 

but not limited to “diminished value.”

• Expenses reimbursable by your insurer, employer, or employer’s 

insurance.

• Loss due to intentional acts, or due to the driver(s) being under the 
influence of alcohol, intoxicants, or drugs, or due to contraband or 
illegal activities.

• Wear and tear, gradual deterioration, or mechanical breakdown.
• Items not installed by the original manufacturer.
• Loss due to off-road operation of the rental vehicle.
• Loss due to hostility of any kind (including, but not limited to, war, 

invasion, rebellion, or insurrection).

• Confiscation by authorities.
• Vehicles that do not meet the definition of covered vehicles.
• Rental periods that either exceed or are intended to exceed fifteen 
(15) consecutive days within your country of residence or thirty-one 
(31) consecutive days outside your country of residence.

• Leases and mini leases.
• Loss or damage as a result of the cardholder’s lack of reasonable care 
in protecting the rental vehicle before and after damage occurs (for 
example, leaving the vehicle running and unattended).

• Losses reported more than forty-five (45) days* from the date of loss.

When and where do I have this benefit? This benefit is available in the 
United States and most foreign countries. No benefit is provided for motor 
vehicles rented in Israel, Jamaica, the Republic of Ireland, or Northern 
Ireland. Additionally, this benefit is not available where precluded by 
law or in violation of the territory terms of the auto rental agreement or 
prohibited by individual merchants. Because regulations vary outside the 
United States, we recommend you check with your auto rental company 
and the Benefit Administrator before you travel to make sure Visa Auto 
Rental CDW will apply.

This benefit is in effect while the rental vehicle remains in your control 
or in the control of a person permitted to operate the rental vehicle in 
accordance with the rental agreement between you and the auto rental 
company. This benefit terminates when the auto rental company re-
assumes control of the rental vehicle.

How does this benefit apply? Within your country of residence, Visa 
Auto Rental CDW supplements, and applies excess of, any valid and 
collectible insurance or reimbursement from any source. It does not 
duplicate insurance provided by or purchased through the auto rental 
company; it will not pay for losses reimbursed by your owninsurer, 
employer, employer’s insurance, or any other valid and collectible 
insurance; however, it will pay for the outstanding deductible portion 
or other charges, including valid administration and loss-of-use charges 
not covered by your applicable automobile insurance policy. Outside 
your country of residence or if you do not have automobile insurance, 
this benefit is primary in those countries where it is available, and in 
that case, you do not have to claim payment from any other source of 
insurance before receiving the benefits.

What types of rental vehicles are not covered? Excluded worldwide are: 
expensive, exotic, and antique automobiles; certain vans; vehicles that 
have an open cargo bed; trucks; motorcycles, mopeds, and motorbikes; 
limousines; and recreational vehicles. Examples of excluded expensive 
or exotic automobiles are the Aston Martin, Bentley, Bricklin, Daimler, 
DeLorean, Excalibur, Ferrari, Jensen, Lamborghini, Lotus, Maserati, 
Porsche, and Rolls Royce. However, selected models of BMW, Mercedes-
Benz, Cadillac, and Lincoln are covered.

An antique automobile is defined as any vehicle over twenty (20) years 
old or any vehicle that has not been manufactured for ten (10) years or 
more. 

This benefit is provided for only those vans manufactured and designed 
to transport a maximum of eight (8) people and which is used exclusively 
to transport people.

If you have any questions regarding a specific vehicle, call the Benefit 
Administrator at 1-800-VISA-911. If you are outside the United States, call 
collect at 0-410-581-9994.

What do I need from the auto rental company in order to file a Visa Auto 
Rental CDW claim? At the time of the damage or theft, or when you return 
the rental vehicle, immediately ask the auto rental company for:

• A copy of the Accident Report Form and claim document, which should 
indicate the costs you are responsible for and any amounts that have 

been paid toward the claim.

• A copy of the initial and final auto rental agreement(s).
• A copy of the repair estimate or itemized repair bill.
• Two (2) photographs of the damaged vehicle, if available.
• A police report, if obtainable.

How do I file a claim? You, the cardholder, are responsible for reporting 
your claim to the Benefit Administrator immediately, but in no event later 
than forty-five (45) days*from the date of theft or damage, or your claim 
may be denied. Notice to any other party will not suffice. Furthermore, 
we reserve the right to deny any claim that contains charges that would 
not have been included had the Benefit Administrator been notified 
before those expenses were incurred. We therefore advise you to notify us 
immediately after any theft or damage. Mail the following documentation 
to the Benefit Administrator:

• The completed and signed Visa Auto Rental CDW Claim Form. 

Your completed claim form must be postmarked within ninety (90) 
days* of the date of the damage or theft, even if all other required 
documentation is not yet available, or your claim may be denied.

• A copy of your receipt or monthly billing statement as proof that the 
entire vehicle rental was charged and paid for with your eligible Visa 
card.

• A statement from your insurance carrier (and/or your employer or 
employer’s insurance carrier, if applicable) or other reimbursement 
showing the costs for which you are responsible and any amounts 
that have been paid toward the claim. Or, if you have no applicable 
insurance or reimbursement, please provide a notarized statement to 
that effect.

• A copy of the declaration page from your automobile insurance carrier.

Enclose all the documents you received fromthe auto rental company:

• A copy of the Accident Report Form.
• A copy of the entire auto rental agreement(s).
• A copy of the repair estimate or itemized repair bill.
• Two (2) photographs of the damaged vehicle, if available.
• A police report, if obtainable.
• Any other documentation deemed necessary by the Benefit 

Administrator to substantiate the claim.

For faster filing, submit your claim online. It’s easy, convenient, and 
available at no extra cost to eligible Visa cardholders. To submit your 
claim and learn more about Visa Auto Rental CDW go to the Visa Auto 
Rental CDW Claim Center at www.visa.com/eclaims.

If you experience difficulty in obtaining all the required documents 
within ninety (90) days*of the date of theft or damage, just submit the 
claim form and any documentation you already have available. NOTE: All 
remaining documents must be postmarked within 365 days of the date of 
theft or damage.

Do I have to do anything else? Usually not. Under normal circumstances, 
the claim will be paid within fifteen (15) days after the Visa Auto Rental 
CDW Benefit Administrator has received all documentation necessary to 
fully substantiate your claim.

However, after the Benefit Administrator has paid your claim, all your 
rights and remedies against any party in respect of this theft or damage 
will be transferred to the Benefit Administrator to the extent of the cost of 
payment made to you.

You must give the Benefit Administrator all assistance as may reasonably 
be required to secure all rights and remedies.

* Not applicable to residents of certain states.

Additional Provisions for Auto Rental CDW: You must make every effort 
that would be made by a reasonable and prudent person to protect 
the Rental Vehicle from damage or theft. This provision will not be 
unreasonably applied to avoid claims.

If you make any claim knowing it to be false or fraudulent in any respect 
including, but not limited to, the cost of repair services, no coverage 

shall exist for such claim and your benefits may be canceled. Each 
cardholder agrees that representations regarding claims will be accurate 
and complete. Any and all relevant provisions shall be void in any case 
of fraud, intentional concealment, or misrepresentation of material fact by 
the cardholder.

Once you report an occurrence, a claim file will be opened and shall 
remain open for six (6) months from the date of the damage or theft. No 
payment will be made on a claim that is not completely substantiated 
in the manner required by the Benefit Administrator within twelve (12) 
months of the date of damage or theft.

No legal action for a claim may be brought against us until sixty (60) 
days after we receive Proof of Loss. After the expiration of three (3) years 
from the time written Proof of Loss was to be provided, no action shall 
be brought to recover on this benefit. Further, no legal action may be 
brought against us unless all the terms of this Guide to Benefit have been 
complied with fully.

This benefit is provided to eligible Visa cardholders at no additional 
cost. The terms and conditions contained in this Guide to Benefit may 
be modified by subsequent endorsements. Modifications to the terms 
and conditions may be provided via additional Guide to Benefit mailings, 
statement inserts, or statement messages. The benefit described in this 
Guide to Benefit will not apply to Visa cardholders whose accounts have 
been suspended or canceled.

Termination dates may vary by financial institutions. Visa and/or your 
financial institution can cancel or non-renew the benefit, and if we do, 
we will notify you at least thirty (30) days in advance. This information 
is a description of the benefit provided to you as a Visa cardholder. It is 
insured by Indemnity Insurance Company of North America.

For general questions regarding this benefit, call the Benefit Administrator 
at 1-800-VISA-911. If you are outside the United States, call collect at 
0-410-581-9994.

Travel and Emergency Assistance
What are Travel and Emergency Assistance Services? Help when you don’t 
know where to turn. You can count on a wide range of Visa emergency 
services available whenever and wherever you need them, 24 hours a day, 
365 days a year.

WE WILL MAKE EVERY REASONABLE EFFORT TO RESPOND WHEN YOU 
HAVE AN EMERGENCY—EVEN IF YOU NEED ASSISTANCE BEYOND THE 
SERVICES LISTED HERE. PLEASE UNDERSTAND THAT, DUE TO OCCASIONAL 
PROBLEMS SUCH AS DISTANCE, LOCATION, OR TIME, NEITHER VISA NOR 
ITS SERVICE PROVIDERS CAN BE RESPONSIBLE FOR THE AVAILABILITY, 
USE, COST, OR RESULTS OF ANY MEDICAL, LEGAL, TRANSPORTATION, OR 
OTHER SERVICE. 

Who is eligible for Travel and Emergency Assistance Services? You, your 
spouse, and your children (provided the children are dependents under 22 
years old) may all take advantage of these special emergency services.

How do I get these services? They’re as close as the nearest phone. You 
simply call the Benefit Administrator at (800) 992-6029 any hour of the 
day or night. If you are outside the United States, call collect at  
0-804-673-1675.

Is there a charge for these services? No. Visa Travel and Emergency 
Assistance Services are available to eligible Visa cardholders at no 
additional charge.

PLEASE NOTE: VISA TRAVEL AND EMERGENCY ASSISTANCE SERVICES 
PROVIDE ASSISTANCE AND REFERRAL ONLY. YOU ARE RESPONSIBLE FOR 
THE COST OF ANY ACTUAL MEDICAL, LEGAL, TRANSPORTATION, CASH 
ADVANCE OR OTHER SERVICES OR GOODS PROVIDED. 

What are the specific services and what do they provide? Visa Travel and 
Emergency Assistance Services will put you in touch with the appropriate 
emergency services should the need arise. Here are some of the ways we 
can help:

• Emergency Message Service can record and relay emergency 

messages for travelers, immediate family members, or business 
associates. NOTE: Visa will use reasonable efforts to relay emergency 
messages in accordance with benefit guidelines and limitations, but 
cannot take responsibility for the failure to transmit any message 
successfully.

• Medical Referral Assistance provides medical referral, monitoring, and 
follow-up. The Benefit Administrator can give you names of English-
speaking doctors, dentists, and hospitals; assign a doctor to consult 
by phone with local medical personnel, if necessary, to monitor your 
condition, keep in contact with your family, and provide continuing 
liaison; and help you arrange medical payments from yourVisa or 
personal account. NOTE: All costs are your responsibility.

• Legal Referral Assistance can arrange contact with English-speaking 
attorneys and with U.S. embassies or consulates if you’re detained 
by local authorities, have a car accident, or need legal assistance. In 
addition, the Benefit Administrator can coordinate bail payment from 
your Visa or personal account. The Benefit Administrator can also 
follow up to make sure bail has been properly handled. NOTE: All 
costs are your responsibility.

• Emergency Transportation Assistance can help you make all the 

necessary arrangements for emergency transportation home or to the 
nearest medical facility. This even includes arranging to bring your 
young childrenhomeand staying in contact with familymembers or 
employers. In the case of a death, the Benefit Administrator can make 
arrangements for returning the remains of the deceased home. NOTE: 
All costs are your responsibility.

• Emergency Ticket Replacement helps you with the carrier’s lost ticket 

reimbursement procedures if you should lose your ticket and can 
arrange delivery of a replacement ticket to you. NOTE: All costs are 
your responsibility.

• Lost Luggage Locator Service can help you through the common 

carrier’s claim procedures or can arrange shipment of replacement 
items if an airline or common carrier loses your checked luggage. 
The Benefit Administrator can also arrange a cash advance with your 
Visa issuing bank. However, you are responsible for the cost of any 
replacement items shipped to you.

• Emergency Translation Service provides telephone assistance in 
all major languages and helps find local interpreters, if available, 
when you need more extensive assistance. NOTE: All costs are your 
responsibility.

• Prescription Assistance and Valuable Document Delivery Arrangements 
can help you get prescriptions filled or replaced, subject to local laws, 
and can even arrange pickup and delivery of prescriptions filled for 
you at local or nearby pharmacies. It can also help transport critical 
documents which you may have left at home or elsewhere. NOTE: All 
costs are your responsibility.

• Pre-Trip Assistance can give you information on your destination 
before you leave—information such as ATM locations, currency 
exchange rates, weather reports, health precautions, immunizations, 
and required passport visas.

Additional Provisions for Travel and Emergency Assistance Services: 
The benefit described in this Guide to Benefit will not apply to Visa 
cardholders whose accounts have been suspended or canceled. The terms 
and conditions contained in this Guide to Benefit may be modified by 
subsequent endorsements. Modifications to the terms and conditions may 
be provided via additional Guide to Benefit mailings, statement inserts, or 
statement messages.

For general questions regarding this benefit, call the Benefit Administrator 
at (800) 992-6029. If you are outside the United States, call collect at 
0-804-673-1675.

Visa Gold Travel Accident Insurance
Principal Sum: Gold Cards: $400,000

THIS IS AN ACCIDENTAL DEATH AND DISMEMBERMENT ONLY POLICY AND 
DOES NOT PAY BENEFITS FOR LOSS FROM SICKNESS

This Description of Coverage is provided to all eligible Spokane Teachers 
Credit Union cardholders and replaces any and all Descriptions of 
Coverage previously issued to the insured with respect to insurance 
described herein.

Eligibility and Period of Coverage. As a Spokane Teachers Credit Union 
cardholder, you are covered beginning on 08/01/03 or the date your credit 
card is issued, whichever is later.

You and your dependents1 become covered automatically when the entire 
Common Carrier fare is charged to your covered Spokane Teachers Credit 
Union card Account (“Covered Persons”). It is not necessary to notify the 
financial institution, the Insurance Company, or the Plan Administrator 
when tickets are purchased. Coverage ends when the policy is terminated.

Benefits. Subject to the terms and conditions, if a Covered Person’s 
accidental bodily Injury occurs while on a Covered Trip and results in any 
of the following Losses within one (1) year after the date of the accident, 
the Insurance Company will pay the following percentage of the Principal 
Sum for accidental Loss of:

Life . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 100% 
Both hands or both feet . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .100% 
Sight of both eyes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 100% 
One hand and one foot . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 100% 
Speech and hearing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 100% 
One hand or one foot and the sight of one eye. . . . . . . . . . . . . . . . 100% 
One hand or one foot . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50% 
Sight of one eye. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  . . . 50% 
Speech or hearing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50% 
Thumb and index finger on the same hand . . . . . . . . . . . . . . . . . . . 25%

In no event will multiple charge cards obligate the Insurance Company 
in excess of the stated benefit for any one Loss sustained by a Covered 
Person as a result of any one accident. The maximum amount payable for 
all Losses due to the same accident is the Principal Sum.

Loss means actual severance through or above the wrist or ankle joints 
with regard to hands and feet; entire and irrevocable loss of sight, speech 
or hearing; actual severance through or above the metacarpophalangeal 
joints with regard to thumb and index fingers. The life benefit provides 
coverage in the event of a Covered Person’s death. If a Covered Person’s 
body has not been found within one (1) year of disappearance, stranding, 
sinking, or wreckage of any Common Carrier in which the Covered Person 
was covered as a passenger, then it shall be presumed, subject to all 
other provisions and conditions of this coverage, the Covered Person 
suffered loss of life.

Injury means bodily injury or injuries, sustained by the insured person 
which are the direct cause of Loss, independent of disease cause of 
Loss, independent of disease or bodily infirmity, and occurring while the 
Covered Person is covered under this policy, while the insurance is in 
force.

Covered Trip means a trip (a) while the Covered Person is riding on a 
Common Carrier as a passenger and not as a pilot, operator, or crew 
member; (b) charged to your Spokane Teachers Credit Union card; and 
(c) that begins and ends at the places designated on the ticket purchased 
for the trip. Covered Trip will also include travel on a Common Carrier 
(excluding aircraft), directly to, from, or at any Common Carrier terminal, 
which travel immediately precedes departure to or follows arrival at the 
destination designated on the ticket purchased for the Covered Trip.

Common Carrier means any scheduled airline, land, or water conveyance 
licensed for transportation of passengers for hire. Exclusion: No payment 
will be made for any Loss that occurs in connection with, or is the result 
of: (a) suicide, attempted suicide, or intentionally self-inflicted injury; 
(b) any sickness or disease; (c) travel or flight on any kind of aircraft or 
Common Carrier except as a fare-paying passenger in an aircraft or on 
a Common Carrier operated on a regular schedule for passenger service 

over an established route; or (d) war or act of war, whether declared or 
undeclared.

Beneficiary: Benefit for Loss of life is payable to your estate, or to the 
beneficiary designated in writing by you. All other benefits are payable to 
you.

Notice of Claim: Written Notice of claim, including your name and 
reference to Spokane Teachers Credit Union, should be mailed to the Plan 
Administrator within twenty (20) days of a covered Loss or as soon as 
reasonably possible. The Plan Administrator will send the claimant forms 
for filing proof of Loss.

The Cost: This travel insurance is purchased for you by your financial 
institution.

Description of Coverage: This description of coverage details material facts 
about a Travel Accident Insurance Policy which has been established for 
you and is underwritten by Virginia Surety Company, Inc. Please read this 
description carefully. All provisions of the plan are in the policy, issued to 
the financial institution trust. Any difference between the policy and this 
description will be settled according to the provisions of the policy.

Questions: Answers to specific questions can be obtained by writing to 
the Plan Administrator:

CBSI Enhancement Services
550 Mamaroneck Avenue, Suite 309
Harrison, NY 10528

Underwritten by: 

Virginia Surety Company, Inc.
175 West Jackson Blvd., 11th Floor
Chicago, IL 60604

1 Your spouse, unmarried dependent child(ren), under age 19 (25 if a 
full-time student). No age limit for incapacitated child. Incapacitated child 
means a child incapable of self sustaining employment by reason of 
mental retardation or physical handicap, and chiefly dependent on you 
for support and maintenance. Dependent child(ren) receive 50% of your 
benefit amount.

Additional Provisions for Travel Accident Insurance: Travel Accident 
Insurance is provided under a master policy of insurance issued by 
Virginia Surety Company, Inc. (herein referred to as “Company”). We 
reserve the right to change the benefits and features of all these 
programs.

The financial institution or the Company can cancel or choose not to 
renew the Insurance coverages for all Insureds. If this happens, the 
financial institution will notify the accountholder at least thirty (30) days 
in advance of the expiration of the policy. Such notices need not be 
given if substantially similar replacement coverage takes effect without 
interruption and is provided by the same insurer. Insurance benefits 
will still apply to Covered Trips commenced prior to the date of such 
cancellation or non-renewal, provided all other terms and conditions 
of coverage are met. Travel Accident Insurance does not apply if Your 
Spokane Teachers Credit Union card privileges have been suspended or 
canceled. However, insurance benefits will still apply to Covered Trips 
commenced prior to the date that Your Account is suspended or cancelled 
provided all other terms and conditions of coverage are met.

Coverage will be void if, at any time, the accountholder has concealed or 
misrepresented any material fact or circumstance concerning this coverage 
or the subject thereof or the accountholder’s interest herein, or in the 
case of any fraud or false swearing by the Insured relating thereto. No 
person or entity other than the accountholder shall have any legal or 
equitable right, remedy, or claim for insurance proceeds and/or damages 
under or arising out of this coverage.

No action at law or in equity shall be brought to recover on this coverage 
prior to the expiration of sixty (60) days after proof of loss has been 
furnished in accordance with the requirements of this Description of 
Coverage.

The Company, at its expense, has the right to have you examined as 
often as reasonably necessary while a claim is pending. The Company 
may also have an autopsy made unless prohibited by law.

Personal Identity Theft Coverage
What is the Personal Identity Theft benefit? The Personal Identity Theft 
benefit offers reimbursement for covered expenses you incur to restore 
your identity, up to a maximum of $2,500, as a result of a Covered Stolen 
Identity Event.

Who is eligible for this benefit? To be eligible for this benefit, you must 
be a valid cardholder whose name is embossed on an eligible U.S.-issued 
Visa card and reside in the United States or Canada.

What is a Covered Stolen Identity Event? “Covered Stolen Identity Event” 
means the theft or unauthorized or illegal use of your name, transaction 
card Account or Account number, Social Security number, or any other 
method of identifying you.

What is covered?
Covered Losses under the Personal Identity Theft benefit are:

• Costs you incur for re-filing applications for loans, grants, or other 

credit or debt instruments that are rejected solely because the lender 
received incorrect information as a result of a Covered Stolen Identity 
Event.

• Costs for notarizing affidavits or other similar documents, long 

distance telephone calls, and postage reasonably incurred as a result 
of your efforts to report a Covered Stolen Identity Event or to amend 
or rectify records as to your true name or identity as a result of a 
Covered Stolen Identity Event.

• Costs incurred by you for a maximum of four (4) credit reports, 

requested as a result of a Covered Stolen Identity Event, from any 
entity approved by the Benefit Administrator.

• Actual lost wages for time taken away from your work premises solely 
as a result of your efforts to amend or rectify records as to your true 
name or identity as a result of a Covered Stolen Identity Event.

• Costs for reasonable fees for an attorney appointed by the Benefit 
Administrator and related court fees you incur with the consent of 
the Benefit Administrator for suits brought against you by a creditor 
or collection agency or similar entity acting on behalf of a creditor for 
nonpayment of goods or services or default on a loan as a result of a 
Covered Stolen Identity Event.

What is not covered?

• Any dishonest, criminal, malicious, or fraudulent acts by you.
• Any damages, loss, or indemnification unless otherwise stated in this 

disclosure.

• Costs associated with any legal action or suit other than those set 

forth under Covered Losses.

• Sick days and any time taken from self-employment.
• Any losses as a result of theft or unauthorized use of an Account by a 

person to whom the Account has been entrusted.

Is there a charge for these services? No. Your financial institution 
provides this benefit to you at no additional cost.

When and where am I covered? Payment for Covered Losses will 
be limited to losses incurred in the United States, its territories and 
possessions, Puerto Rico, or Canada for a loss occurring during the 
benefit period.

How do I file a claim? Call our Benefit Administrator, toll-free, at  
1-866-679-5660 immediately when you reasonably believe a Covered 
Stolen Identity Event has occurred and provide information including, but 
not limited to, how, when, and where the Covered Stolen Identity Event 
occurred. The Benefit Administrator may also require other reasonable 
information or documents regarding the loss.

What documents do I need to submit with my claim? A signed, sworn 
proof of loss or affidavit containing the information requested by the 
Benefit Administrator must be submitted within sixty (60) days.

How will I be reimbursed? Once your claim has been verified, under 
normal circumstances, reimbursement will be initiated within five (5) 
business days of receipt and approval of all required documents.

Do I have to do anything else?

• If you reasonably believe that a law may have been broken, you must 

promptly file a report with the police.

• You must take all reasonable steps to mitigate possible losses, 

including cancellation of any affected debit, credit, or similar card in 
the case of a Covered Stolen Identity Event.

Additional Provisions for Personal Identity Theft: This benefit applies only 
to you, the primary eligible Visa cardholder. You must use due diligence 
and do all things reasonable to avoid or diminish any loss of or damage 
to property protected by the benefit.

If you make any claim knowing it to be false or fraudulent, no coverage 
shall exist for such claim and your benefits may be canceled. Each 
cardholder agrees that representations regarding claims will be accurate 
and complete. Any and all relevant provisions shall be void in any case 
of fraud, intentional concealment, or misrepresentation of material fact by 
the cardholder.

Once you report a Covered Stolen Identity Event, a claim file will be 
opened and shall remain open for six (6) months from the date of the 
Covered Stolen Identity Event.

No payment will be made on a claim that is not completely substantiated 
in the manner required by the Benefit Administrator within six (6) months 
of the Covered Stolen Identity Event.

After the Benefit Administrator has paid your claim of loss or damage, 
all your rights and remedies against any party in respect of this loss or 
damage will be transferred to the Benefit Administrator to the extent 
of the payment made to you. You must give the Benefit Administrator 
all assistance as may reasonably be required to secure all rights and 
remedies.

No legal action for a claim may be brought until sixty (60) days after we 
receive a Proof of Loss. No legal action against us may be brought more 
than two (2) years after the time for giving Proof of Loss. Further, no legal 
action may be brought against us unless all the terms of this Guide to 
Benefit have been complied with fully.

This benefit is provided to eligible Visa cardholders at no additional cost 
and is in effect for acts occurring while the benefit is in effect. The terms 
and conditions contained in this Guide to Benefit may be modified by 
subsequent endorsements. Modifications to the terms and conditions may 
be provided via additional Guide to Benefit mailings, statement inserts, 
or statement messages. The benefit described in this Guide to Benefit will 
not apply to Visa cardholders whose accounts have been suspended or 
canceled.

Termination dates may vary by financial institutions. Visa and/or your 
financial institution can cancel or non-renew this benefit, and if we do, 
we will notify you at least thirty (30) days in advance. This information 
is a description of the benefit provided to you as a Visa cardholder. It is 
insured by Indemnity Insurance Company of North America.

For general questions regarding this benefit, call the Benefit Administrator 
at 1-866-679-5660.

Whenever you need to file a claim, call toll-free at 1-866-679-5660.

Safety Tips for Cash Machine Use
The following information is a list of safety precautions regarding the use 
of automated teller machine (ATM) and night deposit facilities.

• Be aware of your surroundings, particularly at night.
• Consider having someone accompany you when the ATM or night 

deposit facility is used after dark.

• If another person is uncomfortably close to you at the time of your   

transaction, cancel the transaction and leave.

• Refrain from displaying your cash at the ATM or night deposit facility. 
As soon as your transaction is completed, place your money in your 
purse or wallet. Count the cash later in the safety of your car or 
home.

• If you notice anything suspicious at the ATM or night deposit facility,    

consider using another ATM or night deposit facility or coming 
back later. If you are in the middle of a transaction and you notice 
something suspicious, cancel the transaction, take your ATM access 
device or deposit envelope, and leave.      

• If you are followed after making a transaction, go to the nearest 

public area where people are located.

• Do not write your personal identification number (PIN) or code on 

your ATM card or in purse or wallet.

• Report all crimes to law enforcement officials immediately.

Guarding Against Phone Fraud
While most telephone sales calls are made by legitimate businesses, 
members should stay alert for those callers who turn to the phones 
for fraud. Often, a swindler will ask for your credit card number 
as“identification,” as “verification” that you have won something, or 
looking for a “good-faith” expression on your part. Your best course 
of action in these cases is to refuse. Likewise, callers pretending to 
be credit union staff members requesting your cash machine personal 
identification number (PIN) for verification should be turned down. STCU 
uses other information to verify phone transactions—but certainly not 
your PIN!

1209 r0212