Amendments/Changes in Terms – We may change the terms of this Agreement at 
any time unless otherwise prohibited by applicable law. We will give you notice of 
any  changes  in  accordance  and  as  required  by  applicable  law.  The  most  recent 
credit card agreement is available on our website at www.achievacu.com.

Statements and Notices – Statements and notices will be mailed or emailed to you 
at the most recent postal address or email address you have provided to us. Notice 
provided to any Account owner will be considered notice to all.

Change of Address – If your mailing address or contact information has changed, 
or if the address as it appears on this billing statement is incorrect, you must notify 
us promptly by contacting us at the address or telephone number at the beginning 
of this Agreement or use our website at www.achievacu.com. If we note that mail 
addressed to you is returned to us by the United States Postal Service (USPS) with 
an address correction label, you authorize us to accept, at our option, the mailing 
address  correction  provided  by  USPS  to  correct  the  address  on  your  Account.  If 
you  have  elected  to  receive  electronic  billing  statements  for  this  Account,  you 
must promptly provide us with an update of your correct email address. Your email 
address  may  be  easily  updated  by  accessing  our  electronic  banking  platform 
“Online Banking” located on our website. A bad address may result in a monthly 
Bad Address Processing Fee as set forth in our current Consumer Schedule of Fees.

Liability for Lost or Stolen Cards or Account Number – If your Card, Account number 
or other means to access your Account are lost or stolen, or you think someone used 
or may use your Account without your permission, you must notify us at once, orally 
or in writing, Monday through Friday 9:00 AM to 5:30 PM at the address and phone 
number shown on this agreement or by calling 1.800.543.5073 twenty-four (24) hours 
a day, seven (7) days a week. You will not be liable for unauthorized transactions 
that occur after you notify us of the loss, theft, or possible unauthorized use. You 
will have no liability for unauthorized purchases made from your Account, unless 
you are found to be grossly negligent in the handling of your Card or Account. If you 
notify us properly and no gross negligence was found from your part, your liability 
will not exceed $50.00 and may be waived under the Mastercard agreement with 
your Card issuer.

Arbitration  –  The  Arbitration  terms  set  forth  in  the  Universal  Account  Agreement 
apply  to  this  Account and are hereby incorporated by reference as if set forth in 
full herein. The Arbitration provisions do not apply to covered borrowers under the 
Military  Lending  Act  unless  you  established  your  credit  card  account  when  you 
were not a covered borrower.

GOVERNING LAW – THE TERMS AND ENFORCEMENT OF THIS AGREEMENT AND 
YOUR ACCOUNT SHALL BE GOVERNED AND INTERPRETED IN ACCORDANCE WITH 
FEDERAL LAW AND, TO THE EXTENT STATE LAW APPLIES, THE LAW OF FLORIDA 
WHERE  WE  AND  YOUR  ACCOUNT  ARE  LOCATED,  AND  WILL  APPLY  NO  MATTER 
WHERE YOU LIVE OR USE THE ACCOUNT.

Achieva Cash Rewards Mastercard® - Terms and Conditions – Cash rewards are 
based on the qualifying purchases you make and rewards are earned at tier levels 
as follows:

QUALIFIED PURCHASES
$0 to $5,000
$5,001 to $10,000
Over $10,000

EARNED REWARDS
0.50%
1.00%
1.50%

A qualified purchase is a net retail purchase and does not include credits, returns or 
adjustments. Cash advances, gift card purchases, balance transfers, and purchase 
of monetary instruments are not eligible purchases and will not count towards cash 
rewards. To be eligible for cash rewards, you must be registered for our e-Statement 
service  and  agree  to  receive  your  Account  statements  and  future  disclosures 
electronically.  Earned  cash  rewards  are  calculated  daily  and  accrue  each  day 
throughout  the  year.  You  can  see  the  monthly  earned  cash  rewards  amount  and 
cumulative balance on your credit card billing statement each month. Cash rewards 
will not be earned or accrue for any month that you are delinquent on your payment 
for a period of 30 days or more. Upon earning cash rewards of $20.00 you will be 
eligible to redeem your cash rewards. At your instruction, we will post a credit to 
any  of  your  Achieva  accounts.  Subsequent  redemption  of  cash  rewards  may  be 
made at any time without the $20.00 minimum requirement. All remaining balances 
in  excess  of  the  minimum  $20.00  will  be  paid  out  each  year  in  November.  If  your 
cumulative cash rewards earned during the year do not meet the $20.00 minimum 
for payout, they will be forfeited. Achieva Credit Union reserves the right to modify 
or discontinue this program without notice.

YOUR  BILLING  RIGHTS  –  This  notice  contains  important  information  about  your 
rights and our responsibilities under the Fair Credit Billing Act.

What To Do If You Think You Find A Mistake On Your Statement – If you think there is an 
error on your statement, write to us at:

Achieva Credit Union, P.O. Box 1500 Dunedin, FL 34697

In your letter, give us the following information:

•  Your name and account number.

•  The dollar amount of the suspected error. 

• 

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  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. While we investigate whether or not there has been an 
error, the following are true:

•  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. But, if we determine that we made a mistake, you will not 
have to pay the amount in question or any interest or other fees related to 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:

•  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  $50.00 
(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.)

•  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.

•  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:

Achieva Credit Union, P.O. Box 1500 Dunedin, FL 34697

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.

This  Agreement,  in  conjunction  with  all  other  agreements  you  have  with  the  Credit 
Union, now or in the future, remain in effect and are incorporated into this Agreement by 
reference unless otherwise specifically modified.

#8107

© All rights reserved Achieva Credit Union 2020
1823803 (05/20)

P.O. Box 1500
Dunedin, FL 34697
727.431.7680 | 800.593.2274
www.achievacu.com

Mastercard® Credit Card Agreement
Effective June 1, 2020

Definitions  –  In  this  Agreement  the  words  “Account”  means  the  Mastercard  credit 
card  account  approved  for  you  by  Achieva  Credit  Union.  “Card”  means  the  access 
device with the Mastercard logo made available to you after approval for the purpose of 
access to your Account. It also includes future renewed or substituted access devices 
issued  to  you  under  this  Agreement.  The  words  “Credit  Union”,  “we”  and  “us”  refer 
to Achieva Credit Union or anyone to whom this Agreement may be assigned to in the 
future.  “Current  Payment  Due”  means  the  minimum  payment  required  that  you  must 
pay  at  or  before  the  “Payment  Due  Date”  to  avoid  late  charges.  “Finance  Charges” 
means  calculated  interest  based  on  your  approved  APR(s)  for  the  funds  you  borrow 
on your Account by making purchases, and other types of transactions. “Payment Due 
Date” means the date by which you must make the “Current Payment Due” to avoid late 
charges. “Total New Balance” means the balance remaining on your Account after the 
prior month’s payment is applied including fees, finance charges, and new transactions. 
“You” and “your” refer to each liable person who applies for and agrees to the terms 
and conditions of the Account. This includes any person authorized by you to use the 
account now or in the future.

Agreement  –  This  Mastercard  Credit  Card  Agreement  together  with  the  Account 
Opening  Disclosure  and  any  other  subsequent  documents  provided  to  you  related  to 
this Account (hereinafter collectively referred to as “Agreement”) is your contract with 
the Credit Union and governs all consumer Mastercard accounts (“Accounts”) issued 
by Achieva Credit Union. The agreements, disclosures, rules and regulations applicable 
to your Account including other agreements you have with the Credit Union, now or in 
the future, remain in effect and are made a part of this Agreement by reference unless 
specifically modified.  

Usage  of  your  Account  –  Use  of  your  Account  by  you  or  other  authorized  users  on 
the  Account  constitutes  consent  to  the  terms  and  conditions  of  this  Agreement  and 
acknowledgement of delivery of a copy of this Agreement. If you allow someone to be 
an authorized user on the Account, you are allowing that person to use the Account 
as  you  can.  You  will  remain  responsible  for  all  transactions  and  charges  made  by 
you and other persons authorized by you. You may use your Card to purchase goods 
and  services  from  merchants  and  others  who  accept  Mastercard.  You  may  also  use 
the Card for cash advances from financial institutions and automated teller machines 
(ATM) permitting such transactions. Cash withdrawals at an ATM will require the use 
of a personal identification number (PIN). Purchase of goods and services online will 
often require you to enter the security code located on the back of your Card. The Card 
or Cards you receive remain the property of the Credit Union and you agree to surrender 
all Cards upon request or upon termination of this Agreement whether initiated by you 
or the Credit Union.

Responsibility – In return for extending credit to you on this Account, you promise to pay 
for all transactions conducted on this Account including purchases, balance transfers, 
convenience checks and cash advances, finance charges, fees and other charges as 
set forth in the terms of this Agreement. If more than one person has applied for or is 
liable on the account, each of you will be responsible for paying all charges incurred 
whether  initiated  by  you  or  anyone  who  has  your  permission  to  use  the  Account.  In 
the event that your Card or credit line privileges are suspended and/or terminated by 
the Credit Union, you remain liable for all amounts owed, plus future interest charges 
and fees.

Account  Credit  Limit  and  Responsibility  –  Your  credit  limit  is  established  based  on 
your  creditworthiness  and  may  increase  or  decrease  from  time  to  time  without  prior 
notification to you. Your periodic statement will show the amount of credit available as 
of the statement date. You are responsible for keeping track of your Account balance 

(including  fees  and  Finance  Charges)  to  ensure  that  you  do  not  exceed  the  limit  on 
the Account. Occasionally, and at our discretion we may authorize a charge over the 
limit  of  your  Account  without  imposing  an  over  the  limit  fee.  If  your  billing  statement 
indicates that your limit has been exceeded, you will be required to cover the excess 
balance  (in  addition  to  the  required  “Current  Payment  Due”)  by  the  “Payment  Due 
Date” of the statement showing your Account balance over its credit limit. We have the 
right at any time, and when not prohibited by law, to limit or terminate the use of your 
Account without giving you notice in advance and we will not be liable to you for any 
consequences resulting from this action.

Requesting a Limit Increase – You may at any time request an increase of your limit by 
submitting a credit request to us. All requests will be evaluated on the credit information 
of  the  requestor(s)  and  current  income  to  establish  ability  to  repay  the  debt.  Final 
decisions remain at the sole discretion of the Credit Union.

Billing Period – To help manage your Account, we divided the year into equal monthly 
billing periods so you have the convenience of a monthly statement made available to 
you at least 25 days prior to your “Payment Due Date.” The “Payment Due Date” will 
always be the same date each month.

Annual  Percentage  Rates  (APRs),  Fees  and  Finance  Charges  –  APRs  for  purchase, 
balance  transfer,  convenience  check,  and  cash  advance  transactions  vary.  Refer  to 
your  Account  Opening  Disclosure  for  specific  APRs.  Fees  and  charges  in  addition  to 
those  contained  in  the  Account  Opening  Disclosure  applicable  to  your  Account  are 
contained in the current Consumer Schedule of Fees available at achieva.com/fees and 
are subject to change.

Method of Computing Finance Charges – We will begin charging interest on purchases 
on the date the transaction is posted to our account. We will begin charging you interest 
on cash advances and balance transfers on the later of the date of the transaction or 
the first day of the billing cycle in which the transaction is posted to your Account. No 
Finance Charges will be imposed during any billing period where there is no balance 
owed  at  the  beginning  of  the  billing  period  or  a  credit  balance  exists.  If  you  have  a 
previous  balance  on  your  billing  statement,  we  will  apply  Finance  Charges  on  the 
“Total New Balance” (previous balance plus any fees, purchases, transfers and cash 
advances  minus  any  payment(s)  you  made).  The  Finance  Charges  are  determined  by 
applying the Monthly Periodic Rate (MPR) of your Account to the calculation of your 
Average  Daily  Balance.  Finance  Charges  for  cash  advances  and  transfers  begins  to 
accrue  from  the  date  they  are  originated  or  from  the  first  day  of  the  billing  cycle  in 
which the cash advances or transfers are posted to your Account, whichever is later. 
Finance Charges on your purchases of goods and services start accruing on the day 
the transactions post to the Account. To compute the Monthly Periodic Rate, divide the 
APR by twelve. To compute the Average Daily Balance, we take the beginning balance 
of your Account each day, then add any new purchases, unpaid Finance Charges, fees, 
and other charges, then subtract any payments, credits or credit adjustments. This gives 
us the daily balance. We then add up all the daily balances for the term of the billing 
period  and  divide  the  total  by  the  number  of  days  in  the  billing  period.  This  gives  us 
the “Average Daily Balance.” All transactions on your Account are calculated by this 
method even if calculated separately.

Grace Period – “Grace Period” means the period of time during a billing cycle when you 
will not accrue Finance Charges on certain transactions or balance(s). To avoid Finance 
Charges on new purchases of goods and services and to take advantage of the Grace 
Period, you must have paid the New Balance from the prior month billing statement in 
full by the “Payment Due Date” and pay the “Total New Balance” of the current billing 
statement (showing all new transactions) in full by 5:00 PM on the “Payment Due Date.” 
A Grace Period does not apply to balance transfers and cash advances.

When Your Payment will be Credited to Your Account – If you make your payment in 
person at one of our branches, your payment will be credited on the same day you make 
the transaction. Payments made electronically before 5:00 PM will be credited on the 
same day except for Sundays and Federal Holidays. Mailed payments will be credited 
as of the date they are received. If your “Payment Due Date” is a Sunday or Federal 
Holiday, you will not be considered late for any purpose and will not incur a late payment 
fee if your payment is made by the next business day that we are open.

Current Payment Due– Each month you must pay at least the current payment shown 
on  your  statement  by  the  “Payment  Due  Date”  on  the  statement.  You  may  pay  more 
frequently, pay more than the minimum payment or pay the new balance in full. If you 
make additional payments, you are still required to make at least the minimum payment 
each  month  your  Account  has  a  balance  (other  than  a  credit  balance).  The  “Current 
Payment Due” each month is the greater of $25.00 or 2% of the “New Balance” rounded 
up to the nearest dollar. The “Current Payment Due” must be received by 5:00 PM on the 
“Payment Due Date” which will be on the same date every month and no less than 25 
days from the end of the prior billing statement closing date.

Payment  Allocation  –  You  may  pay  more  than  the  “Current  Payment  Due”  and  make 
payments  to  your  Account  at  any  time  without  penalty.  If  your  “Total  Outstanding 

Balance” includes balances with different APRs, we will allocate funds you pay over 
the “Current Payment Due” to the balance with the highest APR first, and any remaining 
excess funds after that to the next highest APR in descending order. This will result in 
balances with higher APRs to be paid before any others. If your credits and payments 
exceed the total balance owed on the Account, your Account will show a credit balance 
and  the  funds  will  be  applied  against  future  purchases,  transfers  or  cash  advances. 
Partial payments will increase the total amount of interest you pay and will not delay 
your  next  scheduled  payment.  We  may  accept  late  payments  and  partial  payments 
and  such  action  shall  not  constitute  forgiveness  or  a  waiver  of  any  terms  under  this 
Agreement. Where your credit and payment balance is $1.00 or more, it will be refunded 
upon your written request or automatically after six (6) months.

Skip-A-Payment  –  From  time  to  time,  solely  at  the  Credit  Union’s  option,  you  may  be 
given the option to skip-a-payment. If you elect to take advantage of the offer to skip-a-
payment, finance charges will continue to accrue during the month you choose to skip-
a-payment. You must resume paying the Current Payment Due on the next Payment Due 
Date. Any fee incurred may be considered a finance charge. All loans and this Account 
must be current and the membership must be in good standing to be eligible. A fee of $35 
will be charged for each skip-a-payment.

Balance  Transfers  –  Other  financial  institutions’  credit  card  accounts  are  eligible 
for  balance  transfer  to  this  Account  and  will  be  treated  as  cash  advances  on  your 
Account. During the introductory period of a special promotion, only the balance(s) of 
such  transfer(s)  are  subject  to  the  promotional  APR.  All  other  transactions  you  make 
(purchase of goods and services, cash advances) will be subject to the qualified APR 
that was disclosed to you when you opened the Account. This qualified APR is the same 
as the one that will also apply to any remaining balance(s) of your original other credit 
card balance transfer(s) after the termination of the promotional introductory period APR.

Foreign Transactions – Purchase of goods and services or cash advances you make in 
foreign currencies will be converted in US dollars before posting to your Account. On 
the day Mastercard receives your transaction(s), they select the rate of exchange to 
convert your transaction(s) in US dollars from a range available to them in wholesale 
currency  markets.  The  selected  rate  may  be  different  than  the  rate  of  exchange  in 
effect on the day you made the transaction(s) or the day the transaction(s) post to your 
account. Please refer to the Consumer Schedule of fees for applicable fees.

Credit  Review  –  You  authorize  us  to  review  your  credit  history  by  obtaining  credit 
reports  in  connection  with  your  application  for  this  Account  and  subsequently  in 
connection with a purchase, a review of your Account, or efforts to collect any amount 
due on your Account. Upon your request, we will tell you whether or not a credit report 
was requested and the name and address of the consumer credit reporting agency we 
used. Your authorization also extends to inquiries we may initiate with your employer, 
businesses or financial institutions where you may have (now or in the past) established 
relationships, and persons you named as references.

Credit Information – We may report information about your Account to credit reporting 
agencies, including a failure to pay us on time (late payments, missed payments or other 
defaults). This applies to all parties liable for this Account. We may also access your 
consumer  credit  report  for  any  permissible  purpose  under  the  Fair  Credit  Reporting 
Act, including periodic reviews of your creditworthiness, collections and future credit 
line increases or decreases and to display your credit score within online banking and 
mobile access.

Account  Termination  –  You  may  close  this  Account  at  any  time  without  any  specific 
reason. If you close this Account, we may require you to put the request in writing and 
you  agree  that  you  are  responsible  to  pay  the  total  balance  due  (including  fees  and 
Finance Charges) on the Account under the current terms of the Agreement in force at 
the time the Account is closed. We have the right to close or suspend privileges on this 
Account at any time and for any reason without prior notice.

Illegal  Transactions  –  You  agree  that  you  will  not  use  your  card  for  transactions 
considered illegal under applicable federal, state, or local laws. Transactions made on 
illegal internet gambling sites are prohibited and, where identified, will be rejected and 
can  cause  the  termination  of  your  Account.  You  agree  to  pay  us  for  all  transactions 
made on your account even if the transaction is determined to be illegal. You agree to 
defend  us  against  and  hold  us  harmless  from  any  damages  or  liability  arising  from  a 
transaction initiated by you or your Authorized User, if any, for the purpose of conducting 
an illegal activity.

Default – You will be in default and all available credit under this Agreement may be 
terminated if you fail to make the “Current Payment Due” by the “Payment Due Date” 
on your billing statement. You understand that failure to timely make loan payments may 
result in suspension and/or termination of electronic or other access to account funds 
on  all  accounts  held  with  the  Credit  Union.  You  may  also  be  considered  in  default  if 
you fail to promptly pay any amount exceeding the credit limit of your Account. If you 
breach any promise or obligation under this Agreement, if you become incapacitated, 
or if you file bankruptcy subject to applicable law, we may also consider you to be in 
default under this Agreement. You will also be found to be in default if any statement 

made  by  you  to  us  in  connection  with  this  Account,  or  any  other  credit  program 
with us was false or misleading. If we receive information indicating that you are 
deceased, bankrupted, intent to file for bankruptcy, or are unable to pay your debts 
as they become due; or we receive information leading us to conclude that you are 
no longer credit worthy, or in the event of default, subject to any right you may have 
under  applicable  law,  we  may  demand  the  payment  of  the  entire  unpaid  balance 
due. If we must refer your Account to an attorney, you agree to pay our reasonable 
attorneys’ fees and court costs, but only to the extent and in the amount permitted 
by applicable law.

Security Interest – If the security of this Account required a specific pledge of your 
shares  where  you  signed  a  specific  pledge  agreement,  you  agree  that  you  may 
not withdraw amounts that have been specifically pledged to secure this Account 
until  we  agree  to  release  all  or  part  of  the  pledged  amount.  You  also  specifically 
and as a condition of the Account, grant us a consensual security interest in your 
individual and/ or joint share accounts held with us. You agree that we may (without 
prior  notice  and  to  the  extent  permitted  by  applicable  law),  charge  against  and 
deduct from any of your accounts, whether individual or jointly owned, at the Credit 
Union except for deposits which may be held pursuant to an Individual Retirement 
Account or other tax-deferred retirement account, any due and payable debt owed 
to us now or in the future. This includes the total amount of which we are entitled 
to demand payment under the terms of this Agreement including collateral securing 
other loans, which are part of a credit plan you have with the Credit Union, except 
for the security interest in your principal dwelling, may also serve as security for 
this Account in case of default. This consensual security interest does not apply for 
periods when you are a covered borrower under the Military Lending Act.

Your  Account  is  secured  by  all  other  shares  you  have  in  any  individual 
or  joint  account  with  the  Credit  Union,  except  for  shares  in  an  Individual 
Retirement  Account  or  in  any  other  account  that  would  lose  special  tax 
treatment under state or federal law if given as security. These other shares 
may  be  withdrawn  unless  you  are  in  default  under  this  agreement.  You 
authorize the Credit Union to apply the balance in your individual or joint 
share account to pay any amounts due on your account if you should default. 
This consensual security interest does not apply for periods when you are a 
covered borrower under the Military Lending Act.

Military  Lending  Act  Protections  –  Under  the  Military  Lending  Act,  the  following 
statement  applies  to  covered  borrowers  (Active  Duty  servicemembers  and 
their  dependents)  with  accounts  established  on  or  after  October  3,  2017:  Federal 
Law  provides  important  protections  to  members  of  the  Armed  Forces  and  their 
dependents  relating  to  extensions  of  consumer  credit.  In  general,  the  cost  of 
consumer credit to a member of the Armed Forces and his or her dependent may 
not  exceed  an  annual  percentage  rate  of  36  percent.  This  rate  must  include,  as 
applicable  to  the  credit  transaction  or  account:  The  costs  associated  with  credit 
insurance premiums; fees or ancillary products sold in connection with the credit 
transaction;  any  application  fee  charged  (other  than  certain  application  fees  for 
specified credit transactions or accounts); and any participation fee charged (other 
than certain participation fees for a credit card account). To receive this information 
and a description of your payment obligation verbally, please call us at 800.593.2274.

Enforcing this Agreement – We have the right to enforce or not enforce our rights 
under this Agreement without losing the right to enforce them in the future. A delay 
in action does not indicate that we cannot exercise these rights at a later date as 
permitted  by  law.  If  any  term  of  this  Agreement  is  found  to  be  unenforceable,  all 
other terms will remain in full force.

Consent  to  Contact,  Telephone  Monitoring  and  Recording  –  You  consent  that  by 
providing your phone number and/or initiating a transaction, we may monitor and/
or  record  any  telephone  conversation  with  you  for  any  reason.  You  agree  that 
the  Credit  Union  is  not  required  to  remind  you  before  each  telephone  call  that 
the  conversation  is  subject  to  monitoring  and/or  recording  in  accordance  with 
applicable law. By signing your Signature Card, opening, maintaining or using any 
Account or service with the Credit Union, you authorize us to contact you via email, 
text or phone, including mobile phone, at any number or email address that you have 
provided or that otherwise reaches you, for any purpose, including but not limited 
to service, marketing or debt collection. This consent is regardless of whether the 
number we use to contact you is assigned to a landline, a paging service, a cellular 
wireless  service,  a  specialized  mobile  radio  service,  other  radio  common  carrier 
service or any other service for which you may be charged for the call. You further 
authorize us to contact you through the use of voice, voicemail and text messaging, 
including  the  use  of  pre-recorded  or  artificial  voice  messages  and  an  automated 
dialing device automatic telephone dialing system. You also expressly consent that 
we may send email messages regarding your account to your email address.