*You will be notified by us, in writing, of any further changes to your credit card account limit(s).
AGREEMENT FOR VISA CREDIT CARD
The undersigned (hereinafter referred to as "cardholder(s)"). jointly and individually , hereby authorizes the Hughes Credit Union 
(hereafter referred to as "Credit Union"), to:
Establish a separate line of Credit account to be known as a "Credit Card Account".
Issue a VISA credit card(s), hereinafter referred to as the "Card", to be used by any of the cardholder(s) to make purchases or cash 
advances up to the approved credit card account limit, and to charge such purchases or cash advances against the credit card account 
designated below. The Card is also to be used by any of the cardholder(s) to make cash withdrawals from automated teller machines, or 
any other financial transaction machine, as authorized by the Credit Union, and to charge such cash withdrawals against the credit card 
account designated below.
Cardholder(s) and Credit Union Agrees:
1.
The Card will be valid through the expiration date printed on the face of the card.  Cardholder(s) requests the Credit Union to Issue 
a renewal or replacement card before the current card expires and to continue to issue renewal or replacement cards until 
Cardholder(s) tells Credit Union to stop.
No other person is permitted to use Cardholder(s) card for identification, for charges, or for any other reason.  Cardholder(s) may 
be Iiable for the unauthorized use of the card. Cardholder(s) will not be liable for unauthorized use that occurs after cardholder(s) 
notifies Hughes Federal Credit Union at P.O.Box 11900, Tucson, Arizona 85734-1900, (520) 794-8341, orally or in writing, of the 
loss, theft, or possible unauthorized use.  In any case, Cardholder(s) liability will not exceed $50.00 or the value obtained through 
the unauthorized use before the Credit Union is notified, whichever is less. Cardholder(s) shall notify Credit Union at once if the 
Card is lost, or stolen, or used without Cardholder(s) authorization. Credit Union reserves the right to deny authorization for any 
requested charge.
2.
3.
For value received and to be received, Cardholder(s), jointly and individually (each shall be agent for the other and be responsible 
for the advances to the other whether with knowledge of same or not), promises to pay the Credit Union or order at the Tucson 
Arizona  office,  or  such  other  place  as  it  may  designate,  all  sums  advanced  from  time  to  time  under  this  Credit  Card  Account  
Agreement plus a FINANCE CHARGE (interest) at daily periodic rate on the unpaid balance(s), both before and after maturity, that 
are not repaid within any allowable "grace period" in effect when the advance is made.  The FINANCE CHARGE begins to accrue 
on the date of each cash advance of funds, including cash withdrawals made with the card.
4.
The ANNUAL PERCENTAGE RATE
In effect as of the date of this Credit Card Account Agreement is disclosed in the attached "Hughes Federal Credit Union Credit 
Card Disclosure" notice which is hereby incorporated herein and by reference made a part hereof, and
shall be determined by the Hughes Federal Credit Union's Board of Directors, and
shall be subject to modification and adjustment on any day of the month hereafter until this loan is fully paid and discharged, 
provided a written notice is given at least forty-five (45) days prior to the effective date of such modification and adjustment, 
and
shall not exceed the maximum rate allowed by applicable laws governing Federal Credit Unions.
An increase in the ANNUAL PERCENTAGE RATE may increase the number of monthly payments, but the minimum payment 
amount will remain as stated
in item 6 below.
A decrease in the ANNUAL PERCENTAGE RATE may reduce the number of monthly payments, but the minimum payment 
amount will remain as stated in
Item 6 below.
THIS AGREEMENT INCLUDES ALL THE PROVISIONS ON THE REVERSE SIDE, WHICH ARE HEREBY 
INCORPORATED HEREIN AND MADE A PART HEREOF.
Borrower
Member #
ID #
ID #
If this credit card credit line is a share secured loan; upon execution of this secured open end credit plan the Credit Union is 
given a pledge and security interest in your shares, share or security certificates, deposits, payments, and earnings thereon.
5.
(c) 
(d)
(b) 
(a)  
Page 1 of 2
Agreement_For_Visa_CC_ML
02/25/2021
Co-Borrower/Signer
Approved Limit
Funds Pledged In
Amount Pledged
Owner Name
Owner Signature
PRIMARY BORROWER
CO-BORROWER
DATE
DATE$0.00
 7.
Purchases and cash advances made in foreign countries and foreign currencies will be billed to you in U.S. dollars. The conversion rate dollars will be at the (i) the
wholesale market rate or (ii) the government mandated rate; whichever is applicable, in effect one day prior to the processing date, increased by one percent.
8.
Each payment shall be first applied to any outstanding late charges, then to FINANCE CHARGES earned to the date of receipt of said payment and the remainder 
applied  to  the  unpaid  principal  balance.   A  statement  of  account  shall  be  furnished  monthly,  or  more  frequently  if  required  by  law,  and  shall  also  be  furnished  to  
Cardholder(s) at any time upon request and payment of a service charge.
9.
THE CREDIT UNION MAY TERMINATE THE RIGHT OF THE CARDHOLDER(S) TO USE THE CARD AT ANY TIME AND FOR ANY REASON WITHOUT NOTICE. 
Further, upon demand by the Credit Union, Cardholder(s) will immediately return and surrender the Card to the Credit Union without further negotiation. All rights and 
privileges extended under this agreement shall terminate on any expiration date determined solely by the Credit Union. It is specifically agreed that the Credit Union 
would   not  issue   the  Card  if  it  were  not  for  the  Cardholder(s),  jointly   and  individually,  agreeing  to  all  matters  contained  in  this  Agreement.
10.
Cardholder(s) grants to Credit Union a purchase money security interest under the Uniform Commercial Code in any goods purchased through the Credit Card
Account. In the event of any default, Credit Union is hereby authorized to recover any of these goods which have not been paid for by Cardholder(s).
This document and the payments due hereunder may be guaranteed by any person(s), if required and who is not a member of said Credit Union.
13.
Any guarantor or co-maker of this plan shall be obligated for the full amount of all advances granted to the undersigned from time to time but may be relieved of liability
for future advances but not past advances upon receipt by the Credit Union of a signed written statement to such effect.
14.
In the event of any default in the payments as herein agreed, then the entire unpaid balance of the credit card account, together with accrued interest, shall, at the option 
of the Credit Union, become immediately due and payable as principal, which amount thereafter shall bear interest pursuant to the terms of this agreement. In the event 
of any action to enforce the terms, conditions, and provisions of this Agreement or to enforce collection of any sums due hereunder, Cardholder(s) agrees to pay, and 
Credit Union shall be awarded, its costs, including collection costs, court costs and attorney's fees, whether or not suit is filed. I understand that interest of 1 1/2% 
percent  per  month  will  be  charged  on  the  unpaid  balance  of  my  account.  In  addition,  if  this  debt,  or  any  portion  of  it,  is  turned  over  to  an  outside  debt  collector,  
Cardholder(s)  agree  to  pay  an  additional  35%  to  50%  of  the  balance  so  turned  over,  to  defray  creditors  additional  expense.   Cardholder(s),  jointly  and  individually,  
covenant and agree that their community property and the respective separate property of each of them shall be liable for the payments of the obligation evidenced by 
this account together with all costs of collection and suit, including reasonable attorney's fees and court costs. Cardholder(s) are hereby notified that they may have 
exemption rights in the personal property pledge and in which Credit Union is granted a security interest. Cardholder(s) with such notice waive any such exemption 
rights in the personal property so pledged and in which Credit Union is granted said security interest. Further, Cardholder(s) waive grace, presentment, demand, notice 
of dishonor and protest.
15.
This agreement/contract shall be deemed to have been made in Pima County, Arizona, regardless of the order in which the signatures of the parties shall be affixed 
hereto;  and  shall  be  interpreted  and  the  rights  and  liabilities  of  the  parties  here  determined,  in  accordance  with  the  laws  of  the  State  of  Arizona.   As  part  of  the  
consideration for the execution of this agreement by the creditor, the undersigned hereby agree that all action and/or proceedings arising directly or indirectly from this 
and any other contract agreement with this creditor, shall be litigated only in courts within the State of Arizona; and further that the undersigned hereby consent to the 
jurisdiction and venue of Pima County, Arizona.
16.
The Credit Union may retain the original agreement to comply with Federal and/or State law, and may change the terms of this agreement from time to time upon, at 
least, forty-five (45) days prior written notice mailed to the Cardholder(s) last known address as shown on records of Credit Union, subject, however, to the terms of 
Section 226.9(c) of the regulations, as amended, issued under the Truth in Lending Act. (Regulation Z). Credit Union will consider that Cardholder(s) have accepted the 
changes if the card is kept or used after receipt of said change(s). If Cardholder(s) do not accept the changes, this agreement may be terminated by cutting the card in 
half and returning the pieces to Credit Union. Cardholder(s) will still be responsible for all fees and charges made before this agreement is terminated.
17.
In the event that any one or more of the foregoing provisions of this Agreement are deemed invalid or unenforceable, for any reason, by any court of law, then in no 
event shall the remaining provisions be held to be invalid or unenforceable. The remaining provisions shall have the full force and effect of law and be enforceable in any 
court of law.
18.
The Credit union may delay or waive the enforcement of any of our rights under this Agreement without losing that right or any other right. If the Credit Union delays or
waives any of its rights, the Credit Union may enforce that right at any time in the future without advance notice.
19.
Cardholder(s) acknowledge(s) receipt of a duplicate copy hereof, before the first charge or advance is made.
EQUAL CREDIT OPPORTUNITY ACT NOTICE
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national 
origin, sex, marital status, age (provided that the applicant has the capacity to enter into a binding contract), because all or part of the applicant's 
income is derived from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit 
Protection Act. The Federal agency that administers compliance with this law concerning HUGHES FCU is the National Credit Union Administration, 
4807 Spicewood Springs Road, Austin, Texas 78759, (512) 482-4500.
20.
LATE CHARGES: If you fail to make your required monthly payments, the Credit Union may impose a late charge of up to $30 for any installment that has not been 
received within 10 days after the payment is due. Refer to the Rate/Fee Schedule as fees are subject to change.
6.
The credit card account shall be repaid as follows:
Either the full amount billed shall be paid or, at the option of the undersigned, an installment equal to at least the required minimum payment.  If the outstanding balance 
is $15.00 or less, it shall be payable in full.  The required minimum monthly payment shall be the greater of:
(a) 
(b) 
12.
21.
11.
CROSS COLLATERAL CLAUSE.   The undersigned, jointly and severally, hereby pledges all secured collateral, unless it is your principal residence, paid shares, share 
or security certificates, deposits, payments and earnings thereon which they or any of them now have, or hereinafter may have with Hughes Federal Credit Union, as 
security for the repayment of any and all monies advanced under this credit plan, and interest, costs and/or expenses that may accrue thereon.  The undersigned 
authorizes the Credit Union to apply any or all such shares, share or security certificates, deposits, payments and earnings thereon to the payment of this plan, and 
interest, costs and/or expenses, in the event of the undersigned's failure to pay when said payments are due or such time as the Credit Union at its absolute discretion 
deems this loan to be in jeopardy by reason of nonpayment or other circumstances, which may substantially reduce the undersigned's ability to repay what is owed.   
This includes the transfer of any unsecured balance that is in default into an existing secured collateralized loan, that is not your principal residence, with the Credit 
Union.
STATUTORY LIEN.  If you are in default on your financial obligation with the Credit Union, Federal Law gives the Credit Union the right to apply the balances of 
shares and dividends in your account(s) at the time of default to satisfy that obligation.  Once you are in default, we may exercise that right without further 
notice to you.
Page 2 of 2
$15.00
3% of that portion of the outstanding balance which does not exceed the Cardholder(s) credit limit, plus the entire portion of the outstanding balance in excess of 
the credit limit, plus any amount past due, rounded to the nearest whole dollar.