employees for unauthorized use of a card as authorized by federal
law and regulation. 

M. Cardholder  agrees  that  Issuer,  its  agents  or  service  companies
may  monitor  and/or  record  any  telephone  communication  with
Cardholder. 

N.

O. 

P. 

Payments must be made to Issuer in U. S. dollars drawn on a U.
S. Financial Institution. If Cardholder incurs charges in any other
currency,  the  charges  will  be  converted  into  U.  S.  dollars.  The
conversion  may  occur  after  the  transaction  date  and  the
conversion rate may differ from the rate of exchange in effect at
the  time  of  the  transaction.  Cardholder  agrees  to  pay  the
converted amount to Issuer in U. S. dollars, plus any charge for
conversion or processing that may be imposed. 

Issuer  may  accept  checks  marked  “Payment  in  Full”  or  with
words  of  similar  effect  without  losing  any  of  Issuer’s  rights  to
collect the full balance of Cardholder’s account.

Issuer  can  reinvestigate  and  reevaluate  any  information
Cardholder  provided  on  Cardholder’s  credit  application  at  any
time, and in the course of doing so, Issuer may ask Cardholder for
additional  information,  request  credit  bureau  reports  and/or
otherwise verify Cardholder’s current credit standing. 

Q.  Cardholder agrees that Issuer may release information to others,
such  as  credit  bureaus,  regarding  the  status  and  history  of
cardholder’s account. However, Issuer is not obligated to release
any such information to anyone unless Issuer is required by law
to do so. 

R.  Cardholder agrees that Cardholder’s account shall be subject to
all  applicable  rules  and  regulations  of  VISA  U.S.A.  Inc.,  as
applicable,  as  well  as  applicable  laws.  If  there  is  any  conflict
between  the  provisions  of  this  Agreement  and  the  rules  and
regulations of VISA U.S.A Inc. the rules and regulations of VISA
U.S.A Inc. shall control. Your VISA card may not be used for any
illegal transaction(s).

YOUR BILLING RIGHTS
KEEP THIS NOTICE FOR FUTURE USE

This notice contains important information about your rights and our
responsibilities under the Fair Credit Billing Act. 

Notify Us in Case of Errors or Questions About Your Bill

If you think your bill is wrong, or if you need more information about
a transaction on your bill, write us on a separate sheet at the address
listed on your bill. Write to us as soon as possible. We must hear from
you no later than 60 days after we sent you the first bill on which the
error or problem appeared. You can telephone us, but doing so will not
preserve your rights. 

In your letter, give us the following information:

• Your name and account number.

• The dollar amount of the suspected error. 

• Describe the error and explain, if you can, why you believe there is an
error. If you need more information, describe the item you are not sure
about. 

If you have authorized us to pay your credit card bill automatically from
your  savings  or  checking  account,  you  can  stop  the  payment  on  any
amount you think is wrong. To stop the payment your letter must reach
us 3 business days before the automatic payment is scheduled to occur. 

Your  Rights  and  Our  Responsibilities  After  We  Receive  Your
Written Notice

We  must  acknowledge  your  letter  within  30  days,  unless  we  have
corrected the error by then. Within 90 days, we must either correct the
error or explain why we believe the bill was correct. 

After we receive your letter, we cannot try to collect any amount you
question, or report you as delinquent. We can continue to bill you for the
amount you question, including finance charges, and we can apply any
unpaid  amount  against  your  credit  limit. You  do  not  have  to  pay  any
questioned amount while we are investigating, but you are still obligated
to pay the parts of your bill that are not in question.

If we find that we made a mistake on your bill, you will not have to pay
any finance charges related to any questioned amount. If we didn’t make
a mistake, you may have to pay finance charges, and you will have to
make up any missed payments on the questioned amount. In either case,
we will send you a statement of the amount you owe and the date that it
is due. 

If you fail to pay the amount that we think you owe, we may report you
as delinquent. However, if our explanation does not satisfy you and you
write to us within 10 days telling us that you still refuse to pay, we must
tell anyone we report you to that you have a question about your bill.
And, we must tell you the name of anyone we reported you to. We must
tell anyone we report you to that the matter has been settled between us
when it finally is. 

If  we  don’t  follow  these  rules,  we  can’t  collect  the  first  $50  of  the
questioned amount, even if your bill was correct.

SPECIAL RULE FOR CREDIT CARD PURCHASES
If you have a problem with the quality of property or services that you
purchased with a credit card, and you have tried in good faith to correct
the problem with the problem with the merchant, you may have the right
not to pay the remaining amount due on the property or services. There
are two limitations on this right:

(a) You  must  have  made  the  purchase  in  your  home  state  or,  if  not
within your home state, within 100 miles of your current mailing
address; and 

(b) The purchase price must have been more than $50.

These limitations do not apply if we own or operate the merchant, or if
we mailed you the advertisement for the property or services. 

Rev 10/2014

DD07

ISSUED BY:  *GEORGIA UNITED CREDIT UNION 
DISCLOSURES REQUIRED BY FEDERAL LAW

1.

FINANCE CHARGES
a) Calculation Methods – 
A
Balance Transfers:
A 
Cash Advances:
Purchases:
G
(See  Periodic  Finance  Charge  calculation  method  for
calculation method descriptions)

b) Periodic  Rates  used  to  compute  FINANCE  CHARGES  –

1.070% per month    
1.070% per month   
1.070% per month

Balance Transfers:
Cash Advances:
Purchases:
Corresponding ANNUAL PERCENTAGE RATES –
12.84%
Balance Transfers:
12.84%
Cash Advance:
12.84%  
Purchases:

c) For Cash Advances obtained at an Automated Teller Machine
(ATM) a transaction fee may be imposed by an ATM operator
not holding your account or by any national, regional or local
network used to complete a Cash Advance transaction. 

2. MINIMUM PAYMENT:

3.

4.

5.

a) The minimum payment required is the New Balance shown on
your statement if the amount is equal to or less than $20.00

b) If  the  New  Balance  exceeds  $20.00  the  minimum  payment  is
3.00%  of  that  portion  of  the  New  Balance  which  does  not
exceed your credit limit. (rounded up to the nearest dollar), or
$20.00, whichever is greater, plus the entire portion of the New
Balance in excess of your credit union limit, plus any amount
past due.

LATE  CHARGES: If  the  minimum  required  payment  is  not
received within 10 days after the Closing Date subsequent to the
payment Due Date, a late charge of $20.00 is imposed.

Documentary  stamp  taxes  as  may  be  required  by  law  shall  be
imposed on each Cash Advance at the time the loan is made.

If you have other loans or credit extensions from Issuer, or take out
other loans or credit extensions with Issuer in the future, collateral
securing  those  loans  or  credit  extensions  will  also  secure  your
obligations under this agreement. However, unless you expressly
agree  otherwise,  your  dwelling  will  not  secure  your  obligations
under this agreement even if Issuer has, or later acquires, a security
interest in the mortgage on the dwelling. If you have executed a
written  agreement  granting  a  security  interest  in  any  deposit
accounts (checking, savings, or share accounts) or other funds held
by Issuer to secure your obligations to Issuer arising from the use
of your Card, those funds may not be withdrawn until Issuer agrees
to release all or part of the pledged funds. 

6.

SKIP-A-PAY FEATURE - Skip-A-Pay is an account feature that
is  either  (a)  offered  to  eligible  cardholders  during  pre-selected
months  during  the  year,  or  (b)  offered  at  a  time  selected  by  the

cardholder, that allows you to skip your minimum payment for that
billing  cycle  only.  Your  statement  will  display  a  payment  of
“$0.00” due for the applicable billing cycle. You can participate by
requesting to skip a payment within the prescribed time-frame in
advance  of  the  due  date.  Normally  a  minimum  payment  is
calculated  as  3%  of  the  outstanding  balance  due  for  that  billing
cycle.  Just  like  with  a  standard  billing  cycle,  normal  finance
charges will continue to accrue for any balance not paid in full by
your due date. You must be current on all of your Georgia United
Credit Union loans to be eligible to participate in the Skip-A-Pay
program,  otherwise  a  Skip-A-Pay  will  not  be  offered  and  a
minimum  payment  will  be  due.    Georgia  United  may  limit  the
number  of  Skip-A-Pays  allowed  during  a  calendar  year  and  will
not  be  granted  for  consecutive  months.  Unless  the  participating
billing cycle is pre-selected for you, a Skip-A-Pay request should
be made at least one week prior to the first due date of the month
that you want to skip a payment. Your account may be assessed a
fee  for  participating  in  this  service.  See  the  Disclosure
accompanying  this  agreement  for  the  amount  of  the  Skip-A-Pay
Fee.

PERIODIC FINANCE CHARGE CALCULATION METHODS
The  periodic  Finance  Charge  Calculation  Method  applicable  to  your
account for Cash Advances and Credit purchases of goods and services
that you obtain through the use of your Card is specified in Section 1 on
the Disclosure on the reverse side and explained below. 

Method A – Average  Daily  Balance  (including  current  transactions).
The Finance Charge on cash advances begins from the date you obtained
the cash advance, or the first day of the billing cycle in which it is posted
to  your  account,  whichever  is  later.  There  is  no  grace  period.  The
Finance  Charges  for  a  billing  cycle  are  computed  by  applying  the
monthly Periodic Rate to the “average daily balance” of your account.
To get the average daily balance, we take the beginning balance of your
account each day, add any new purchases or cash advances, and subtract
any payments, credits, non-accruing fees, and unpaid finance charges.
This gives us the daily balance. Then we add up all the daily balances
for the billing cycle and divide the total by the number of days in the
billing cycle. 

Method G – Average Daily Balance (including current transactions). To
avoid  incurring  an  additional  Finance  Charge  on  the  balance  of
purchases  reflected  on  your  monthly  statement  and,  on  any  new
purchases appearing on your next monthly statement, you must pay the
New  Balance,  shown  on  your  monthly  statement,  on  or  before  the
Payment Due Date. The grace period for the New Balance of purchases
extends  to  the  Payment  Due  Date.  The  Finance  Charges  for  a  billing
cycle  are  computed  by  applying  the  monthly  Periodic  Rate  to  the
“average daily balance” of purchases (and if applicable, cash advances).
To get the average daily balance, we take the beginning balance of your
account each day, add any new purchases or cash advances, and subtract
any payments, credits, non-accruing fees, and unpaid finance charges.
This gives us the daily balance. Then we add up all the daily balances
for the billing cycle and divide the total by the number of days in the
billing cycle.

TERMS GOVERNING THE USE OF YOUR CARD
This person (“Cardholder”) whose name is embossed on the face of the
VISA  (“Card”)  enclosed  herewith,  and  each  Cardholder,  in  the  event
more  than  one  Card  is  enclosed  herewith  bearing  the  same  account
number,  by  signing  or  using  said  Card,  receipt  of  which  is
acknowledged, agrees with the issuer of the Card whose name is printed
on the reverse (“Issuer”) as follows:

A. Goods  and  services  (“Credit  Purchases”)  may  be  purchased  or
leased  by  means  of  such  card  by  Cardholder  from  any  retail
Business establishment (“seller”) who honors same. Additionally,
VISA Cash Advances (“Loans”) may be obtained through use of
such Card (a) upon execution of a written request of Cardholder in
a form furnished to Cardholder from any financial institution that
is a member, alone or in association with others, of VISA U.S.A.
Inc. and (b) upon execution of a written separate agreement with
Issuer  for  a  VISA  overdraft  financing  agreement  if  offered  by
Issuer. 

B. Cardholder  shall  be  liable  and  agrees  to  pay  issuer  for  Credit
Purchases  made  by,  or  for  Loans  extended  to,  Cardholder  or
anyone else using such Card unless the use of such Card is by a
person  other  than  the  Cardholder  (a)  who  does  not  have  actual,
implied  or  apparent  authority  for  such  use,  and  (b)  from  which
Cardholder receives no benefit. Additionally, Cardholder shall be
jointly  and  severally  liable  and  agrees  to  pay  for  all  Credit
Purchases and Loans obtained through the use of any other Card
bearing  Cardholder’s  account  number  that  has  been  issued  to
another  person  by  reason  of  such  person  being  a  member  of
Cardholder’s  family,  or  otherwise  issued  upon  Cardholder’s
request  (all  such  Cards  bearing  the  VISA  account  number
hereinafter collectively called “Related Cards”).

C.

Each Card is the property of Issuer, is not transferable and must be
surrendered  upon  demand.  It  can  be  canceled  as  well  as
repossessed  by  Issuer  or  its  designee,  and  the  privileges  thereof
revoked, at any time without prior notice. 

D. Cardholder  shall  not  use  the  Card  or  permit  the  use  of  Related
Cards  to  obtain  Credit  Purchases  or  Loans,  which  will  increase
Cardholder’s indebtedness to Issuer to an amount in excess of the
limit established by Issuer. 

E. All  Credit  Purchases  and  Loans  are  affected  at  the  option  of  the
Seller and Cash Advancing Financial Institution respectively, and
Issuer  shall  not  be  responsible  for  refusal  by  any  Seller  or  Cash
Advancing Financial Institution to honor the Card or any Related
Card. Any refund, adjustment or credit allowed by Seller shall not
be by cash but rather by a credit advice to Issuer which shall be
shown as a credit on Cardholder’s account statement with Issuer. 

F.

Issuer will send to Cardholder, at monthly intervals determined by
Issuer, a statement reflecting for the prior monthly period all VISA
and  Related  Card  transactions.  Such  statement  shall  be  deemed
correct and accepted by Cardholder and all holders of Related Card
unless Issuer is notified to the contrary in writing within 60 days of
mailing of such statement. Cardholder will pay such statement by
remitting to Issuer within 25 days of the closing date reflected on

G.

H.

I.

J.

the  statement  either  the  full  amount  billed  or,  at  Cardholder’s
option,  an  installment  equal  to  at  least  the  required  minimum
payment stated in Section 2. 

Interest on Loans will be charged in accordance with the finance
charge  calculation  method  referred  to  in  Section  1  of  the
disclosures  on  the  reverse  side.  The  current  interest  rate  per
annum is the Annual Percentage Rate set forth in Section 1 of the
Disclosures. 

If the card is canceled or surrender is demanded by Issuer, or if
Cardholder defaults in any payment due, or is deceased, bankrupt
or insolvent, or any attachment or garnishment proceedings are
initiated against Cardholder or his property, Issuer may elect to
declare all amounts then owed to Issuer to be immediately due
and payable without notice or demand of any kind. If Cardholder
has other loans from Issuer, or takes out other loans with Issuer in
the  future,  collateral  securing  those  loans  will  also  secure  the
Cardholder’s obligations under this agreement even if Issuer has
or later acquires a security interest in the household goods or a
mortgage  on  the  dwelling.  Cardholder  agrees  to  pay  all  costs
incurred by Issuer in collecting Cardholder’s indebtedness or in
enforcing  this  agreement,  including  reasonable  attorney’s  fees
and  also  those  costs,  expenses  and  attorney’s  fees  incurred  in
appellate, bankruptcy and post-judgment proceedings, except to
the extent such costs, fees or expenses are prohibited by law.

This agreement may be amended from time to time by Issuer by
written notice mailed to Cardholder’s last known address. 

Except to the extent that Federal law is applicable, the validity,
construction and enforcement of this agreement and all matter’s
arising out of the issuance and use of the Card shall be governed
by the laws of the state in which the principal office of Issuer is
located.

K. Additional charges, plus applicable taxes, may also be assessed if
you pay us with a check not honored by your financial institution,
request a copy of a document, request a replacement card or use
your card for a transaction at an automated teller machine, if such
charges  are  not  prohibited  by  law  or  regulation.  No  Finance
Charge will be assessed on such additional charges. 

L.

Cardholder may be liable for the unauthorized use of the Card or
Related Cards as provided in this paragraph. The Cardholder will
not be liable for any unauthorized use that occurs after the Issuer
is notified, orally or in writing at:

VISA Department
P. O. Box 100070
Duluth, GA  30096-9370

Telephone Number
(888) 493-4328

If Cardholder has a consumer account or a business account for
which  cards  have  been  issued,  Cardholder’s  liability  for  any
unauthorized use of a card will not exceed $50.00. If cards are
issued  to  employees  of  a  single  business  or  other  organization,
there is no limit to Cardholder’s liability for any unauthorized use
that occurs before Cardholder notifies Issuer as provided herein:
the  business  or  organization  may  only  impose  liability  on  its

Interest Rates and Interest Charges 

Visa Gold Account 

Annual Percentage Rate (APR) for 
Purchases 

12.84% 
This APR is effective as of January 1, 2012 

APR for Balance Transfers 

APR for Cash Advances 

12.84% 
This APR is effective as of January 1, 2012 

12.84% 
This APR is effective as of January 1, 2012 

Penalty APR and When it Applies 

Not applicable 

Paying Interest 

Your due date is at least 25 days after the close of each billing cycle.  We 
will 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. 

Minimum Interest Charge 

There is no minimum 

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 website of the Consumer Finance Protection Bureau 
at http://consumerfinance.gov/learnmore 

Fees 

Annual Fee 

Transaction Fees 

•  Balance Transfer 

•  Cash Advance 

•  Foreign Transaction 

Penalty Fees 

•  Late Payment 

•  Over-the-Credit Limit 

•  Returned Payment 

None 

None 

None 

None 

$20.00 

None 

$15.00 (from self) / $5.00 (from other) 

Other Fees – Skip-A-Payment 

$25.00 

How We Will Calculate Your Balance:  We use a method called “average daily balance 
(including new purchases)”.  See your account agreement for more details. 
Billing Rights: Information on your rights to dispute transactions and how to exercise those 
rights is provided in your account agreement. 

200-207 

Georgia United Credit Union • P. O. Box 100070 • Duluth, GA 30096-9370 • 888-493-4328 • www.georgiaunitedcu.org 

Rev: 10/14