KEMBA CREDIT UNION, INC. 
P. O. BOX 14090 
CINCINNATI, OH 45250 
(800) 825-3622 
FAX (513) 762-1619 

CREDIT CARD AGREEMENT AND 
DISCLOSURE STATEMENT 

THIS IS YOUR CREDIT CARD AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN-
LENDING  DISCLOSURE  STATEMENTS,  VISA,  SHARE  SECURED  VISA,  VISA  PLATINUM,  VISA 
GOLD, GCFCU VISA, MASTERCARD AND SHARE SECURED MASTERCARD AGREEMENTS, AND 
ANY  SPECIAL  INSTRUCTIONS  REGARDING  THE  USE  OF  YOUR  VISA,  SHARE  SECURED  VISA, 
VISA GOLD, VISA PLATINUM, GCFCU VISA, MASTERCARD AND SHARE SECURED MASTERCARD 
CREDIT CARDS AND/OR OTHER ACCOUNT ACCESS DEVICE. PLEASE BE CERTAIN TO READ THIS 
AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR. 

Interest Rate and Interest Charges 

Annual Percentage Rate 
(APR) For Purchases 

VISA: _______%   

This APR will vary with the market based on the Prime Rate. 

VISA Gold: _______%    

This APR will vary with the market based on the Prime Rate. 

VISA Platinum: _______% 
GCFCU VISA: _______% 
MasterCard: _______% 

Share Secured VISA: _______% 
Share Secured MasterCard: _______% 

Annual Percentage Rate 
(APR) For Balance Transfers 

VISA: _______%   

This APR will vary with the market based on the Prime Rate. 

VISA Gold: _______%    

This APR will vary with the market based on the Prime Rate. 

VISA Platinum: _______% 

GCFCU VISA: _______% 

MasterCard: _______% 

Share Secured VISA: _______% 

Share Secured MasterCard: _______% 

Annual Percentage Rate 
(APR) For Cash Advances 

VISA: _______%   

This APR will vary with the market based on the Prime Rate. 

VISA Gold: _______%    

This APR will vary with the market based on the Prime Rate. 

VISA Platinum: _______% 

GCFCU VISA: _______% 

MasterCard: _______% 

Share Secured VISA: _______% 

Share Secured MasterCard: _______% 

Paying Interest 

We will not charge You interest on purchases if You pay Your entire balance owed each 
month within  25 days of Your statement closing date. We will begin charging  interest on 
cash advances and balance transfers on the transaction date. 

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 Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore. 

Fees 

Annual Fee         

For MasterCard, Share Secured MasterCard and Share Secured VISA, $25.00 

SEE TOP OF PAGE 2 for more important information about Your Account 

Copyright Oak Tree Business Systems, Inc., 2013 - 2020. All Rights Reserved. 

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Fees (continued) 

Transaction Fees 

  Foreign Transaction   
  Balance Transfer         
  Cash Advance 

Penalty Fees 

  Returned Payment  
  Late Payment  

1.00% of each transaction in U.S. dollars. 
2.00% of each transfer ($2.00 minimum - $50.00 maximum). 
2.00% of each advance ($2.00 minimum - $50.00 maximum). 

Up to $25.00  
Up to $25.00 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See Your 
Account Agreement for details. 

Billing Rights:  Information  on  Your  rights to  dispute  transactions  and  how  to  exercise those rights  is  provided  in  Your 
Account Agreement. 

SEE PAGE 1 for more important Information about Your Account 

In this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean KEMBA CREDIT UNION, INC. The words "You" and "Your" mean each person accepting this 
Agreement. If this is a joint account, read singular pronouns in the plural. The words "Card" and "Credit Card" mean any VISA, Share Secured VISA, VISA Gold, Visa Platinum, 
GCFCU VISA, MasterCard and/or Share Secured MasterCard Credit Card issued to You by Us and any duplicates or renewals We may issue. "Convenience Checks" mean 
the special Account access devices that We may provide for Your use from time to time. 

Type of Credit Card 

Current 
Variable Rate 
Index Value 

Margin 

Current 
Daily Periodic 
Rate 

Current 
Annual Percentage 
Rate 

VISA 

VISA Gold 

Share Secured VISA 

VISA Platinum 

GCFCU VISA 

MasterCard 

Share Secured MasterCard 

__________% 

__________%  

__________%  

__________% 

__________% 

__________% 

__________%  

__________% 

__________%  

__________% 

__________%  

__________%  

__________% 

__________%  

__________% 

__________%  

__________% 

__________%  

You understand the following terms constitute the Agreement: 

PROMISE TO PAY. Your Account may be accessible through a  variety of means 
which could include advance request forms, vouchers, checks, charge slips, Credit 
Cards,  Convenience  Checks  and  the  like.  Regardless  of  the  access  means,  You 
promise  to  pay  Us  all  amounts  charged  to  Your  Account  by  You  or  by  any  user 
who  has  access  to  Your  Account,  with  actual,  apparent  or  implied  authority  for  
use  of  Your  Account,  including  Finance  Charges  and  other  fees  or  charges 
described herein. 

JOINT  ACCOUNTS.  Each  Borrower  will  be  responsible,  jointly  and  severally,  for 
the repayment of amounts owed. You understand that any Card which is requested 
and approved, will be mailed only to the primary Borrower at the address that We 
have on file for You. We may refuse to follow any instructions which run counter to 
this provision.  

OWNERSHIP. All access devices remain Our property and may be cancelled by Us 
at  any  time  without  notice. You agree  to surrender  any such  access device and to 
discontinue its use immediately upon Our request. 

USE OF YOUR CARD. You may use Your Card to buy goods and services in any 
place  that  it  is  honored  and  to  get  cash  advances  from  Us  or  another  financial 
institution. If You are issued a cash advance draft, it will be imprinted with Your Card 
and You will receive a copy of the draft. You agree not to use Your Card for illegal 
transactions including, but not limited to, advances made for the purpose of gambling 
and/or  wagering  where  such  practices  are  in  violation  of  applicable  state  and/or 
federal law. 

ISSUANCE  OF  PERSONAL  IDENTIFICATION  NUMBER.  We  will  issue  You  a 
Personal Identification Number (PIN) for use with Your Card. This PIN is confidential 
and  should  not  be  disclosed  to  anyone.  You  may  use  Your  PIN  and  Your  Card  to 
access Your Account and all sums advanced will be added to Your Account balance. 
In the event a use of Your PIN constitutes an Electronic Fund Transfer, the terms and 
conditions of Your Electronic Fund Transfer Agreement may affect Your rights.  

CREDIT LIMITS. You will be notified of Your specific Credit Limit for transactions made 
under Your Account. Unless You are in default, Your Credit Limit will be self-replenishing 
as You make payments on Your Account. You will keep Your unpaid balance within Your 
Credit Limit, and You will pay any amount over Your Credit Limit on Our demand whether 
or not We authorize the advance which caused You to exceed Your Credit Limit. Even if 
Your  unpaid  balance  is  less  than  Your  Credit  Limit,  You  will  have  no  credit  available 
during any time that any aspect of Your Account is in default.  

ACCOUNT RESTRICTIONS. In order to receive and maintain a Share Secured VISA 
or Share Secured MasterCard, You agree to give Us a specific pledge of shares which 
will be equal to 125.00% of Your Credit Limit. In the event that You default on Your 
Account, We may apply these shares toward the repayment of any amount owed on 
Your Account. 

FINANCE CHARGES. In the case of any transactions on Your Account, the balances 
subject to the periodic Finance Charge are the average daily transactions balances 
outstanding during the month (including new transactions). To get the average daily 
balance,  We  take  the  beginning  balance  of  Your  Account  each  day,  add  any  new 
insurance  premiums,  debit 
purchases,  balance 
adjustments or other charges and subtract any payments, credits and unpaid Finance 

transfers,  cash  advances, 

Copyright Oak Tree Business Systems, Inc., 2013 - 2020. All Rights Reserved. 

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Charges or Late Charges. This gives Us the daily balance. Then, We add up all the 
daily balances for the billing cycle and divide them by the number of days in the billing 
cycle. The Finance Charge for a billing cycle is computed by multiplying the average 
daily balance subject to a Finance Charge by the Daily Periodic Rate times the number 
of days in the billing cycle. 

You can avoid Finance Charges on purchases by paying the full amount of the entire 
balance  owed  each  month  within  25  days  of  Your  statement  closing  date.              
Otherwise, the new balance of purchases, and subsequent purchases from the date 
they are posted to Your Account, will be subject to a Finance Charge. Cash advances 
and balance transfers are always subject to a Finance Charge from the date they are 
posted to Your Account. 

the copy of such slips furnished at the time of the transaction in order to verify Your 
monthly statement.  

CREDITS.  If  a  merchant  who  honors  Your  Card  gives  You  credit  for  returns  or 
adjustments, the merchant will do so by sending Us a slip which will be posted to Your 
Account. If Your credits and payments exceed what You owe Us, We will hold and 
apply this credit against future purchases and cash advances, or if it is $1.00 or more, 
refund it on Your written request or automatically deposit it to Your share account after 
6 months. 

LATE  CHARGE.  If  Your  payment  is  not  received  within  55  days  of  the  Statement 
Closing Date of the statement for which that payment is due, You will be charged  the 
lesser of: (a) the amount of the minimum payment due; or (b) $25.00. 

VISA  AND  VISA  GOLD  VARIABLE  INTEREST  RATE.  All  VISA  and  VISA  Gold 
transactions are subject to a Variable Rate which is based on the most recent Prime 
Rate available as published in the Money Rates Section of The Wall Street Journal 
and will be the most recent rate available on the last day of each calendar quarter of 
each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest 
Rate. Changes in the Index will cause changes in the Interest Rate on the first day of 
the  first  statement  cycle  following  the  end  of  each  calendar  quarter  of  each  year. 
Increases or decreases in the Interest Rate will cause like increases or decreases in 
the  Finance  Charge  and  will  affect  the  number  of  Your  scheduled  payments.  Your 
Interest Rate will never be greater than 18.00%. 

MINIMUM MONTHLY PAYMENT. Though You need only pay the Minimum Monthly 
Payments, You understand that You have the right to repay Your Account or make 
larger payments at any time without penalty. You will only be charged periodic Finance 
Charges to the date You repay Your entire Account balance. Any partial payment or 
prepayment  of  Your  Account  will  not  delay  Your  next  scheduled  payment.  All 
payments to Us must be in lawful money of the United States. 

Payments will be applied in the following order: (a) any Fees and Charges owing; (b) 
any  Finance  Charges  due;  (c)  the  balance  for  cash  advances;  (d)  the  balance  for 
balance transfers; and then to (e) the balance for purchases. 

Any  unpaid  portion  of  any  Finance  Charges  and  Late  Charges  will  be  paid  by 
subsequent payments and will not be added to the principal. You understand that any 
payment that delays the repayment of Your unpaid balance will increase Your Finance 
Charge and any payment that accelerates the reduction of Your unpaid balance will 
decrease Your Finance Charges. 

Minimum Monthly Payments for advances on Your Account will be an amount equal 
to  2.00%  of  Your  balance  at  the  end  of  each  billing  cycle,  subject  to  the  lesser  of 
$10.00 or Your Account balance, plus any portion of the Minimum Payments shown 
on  prior  statement(s)  which  remains  unpaid,  plus  any  amount  that  exceeds  Your 
approved Credit Limit. 

CONSENSUAL  LIEN  ON  SHARES.  As  permitted  by  law,  You  grant  and 
consent to a lien on Your shares or other deposit accounts with Us (other 
than those deposits established under a governmental-approved tax deferral 
plan such as an IRA or Keogh account) and any dividends due or to become 
due to You from Us to the extent You owe on any unpaid Credit Card balance. 

OTHER SECURITY. Collateral (other than household goods or any dwelling) given as 
security under this Agreement or for any other loan You may have with Us will secure 
all amounts You owe Us now and in the future if that status is reflected in the "Truth-
in-Lending Disclosure" in any particular Agreement evidencing such debt.      

PERIODIC STATEMENT. On a regular basis, You will receive a statement showing 
all transactions on Your Account including amounts paid and borrowed since Your last 
statement. We will mail You a statement each billing cycle in which there is a debit or 
credit  balance  or  when  a  Finance  Charge  is  imposed.  We  need  not  send  You  a 
statement  if  We  feel  Your  Account  is  uncollectible  or  if  We  have  started  collection 
proceedings against You because You defaulted.    

Each statement is deemed to be a correct statement of account unless You establish 
a billing error pursuant to the Federal Truth-In-Lending Act. 

OUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under no 
obligation to honor Your Convenience Checks if: (1) by paying a Convenience Check, 
You  would  exceed  Your  Credit  Limit;  (2)  Your  Cards or  Convenience  Checks  have 
been reported lost or stolen; (3) Your Account has been cancelled or has expired; and 
(4) a Convenience Check is used for payment on this or any other loan Account with 
Us. If a postdated Convenience Check is paid and, as a result, any other Convenience 
Check is returned unpaid, We are not responsible for any resulting loss or liability. 

TRANSACTION SLIPS. Your periodic statement will identify the merchant, electronic 
terminal  or  financial  institution  at  which  transactions  were  made,  but  sales,  cash 
advances, credit or other slips will not be returned with the statement. You will retain 

ANNUAL MEMBERSHIP FEE. MasterCard, Share Secured MasterCard and Share 
Secured VISA accountholders will be charged a non-refundable Annual Cardholder 
fee of $25.00 per year for Your continued participation in that particular Credit Card 
accessible program. This annual fee is required each year in order to continue Your 
credit availability. We will automatically post this fee to Your Account on the first day 
of  the  billing  cycle  in  which  it  is  due.  You  can  avoid  paying  it  by  sending  written 
notification of termination of Your Account within 30 days following the mailing date of 
the statement on which it appears. 

OTHER FEES AND CHARGES. You will be charged the following fees and charges 
associated with the use of Your Credit Card: (a) the lesser of $25.00 or the required 
minimum  payment  amount  for  the  returned  payment  for  any  check  (or  other 
negotiable  instrument  used  for  payment)  which  is  returned  unpaid;  (b)  $5.00  for 
each sales draft copy You request; (c) a cash advance fee FINANCE CHARGE in 
an amount equal to 2.00% of the total amount advanced, subject to a minimum of 
$2.00 and a maximum of $50.00; (d) a balance transfer fee FINANCE CHARGE in 
an amount equal to 2.00% of the total amount transferred, subject to a minimum of 
$2.00 and a maximum of $50.00; and (e) $20.00 for each Card that You request be 
delivered on an expedited basis. 

DEFAULT. You will be in default if: (a) You do not make any payment or perform any 
obligation under this Agreement, or any other agreement that You may have with Us; or 
(b)  You  should  die,  become  involved  in  any  insolvency,  receivership  or  custodial 
proceeding  brought  by  or  against  You;  or  (c)  You  have  made  a  false  or  misleading 
statement in Your credit application and/or in Your representations to Us while You owe 
money on Your Account; or (d) a judgment or tax lien should be filed against You or any 
attachment  or  garnishment  should  be  issued  against  any  of  Your  property  or  rights, 
specifically including anyone starting an action or proceeding to seize any of Your funds 
on deposit with Us and/or (e)  We should, in good faith, believe Your ability to repay Your 
indebtedness hereunder is or soon will be impaired, time being of the very essence. 

If You are in default, We may, without notice or demand, and to the extent permitted by law, 
cancel Your rights under this Agreement, declare the entire unpaid balance immediately 
due and payable and require the return of all Cards and other Account Access devices.  

COLLECTION COSTS. To the extent permitted by law, You will reimburse Us for all of 
Our costs and expenses, including reasonable attorneys' fees incurred in the course of 
collecting any amounts owed under this Agreement or for the recovery of any collateral. 

CREDIT  INSURANCE.  Credit  insurance  is  not  required  for  any  extension  of  credit 
under this Agreement.  However, You  may  purchase  any credit  insurance  available 
through  Us  and  have  the  premiums  added  to  the  outstanding  balance  of  Your 
Account.  If  You  elect  to  do  so,  You  will  be  given  the  necessary  disclosures  and 
documents  separately.  Any  credit  insurance  premiums  will  be  charged  to  Your 
Account as a purchase. 

ENFORCEMENT. We do not lose Our rights under this or any related agreement if 
We  delay  enforcing  them.  We  can  accept  late  payments,  partial  payments,  or  any 
other payments, even if they are marked "paid in full" without losing any of Our rights 
under this Agreement. If any provision of this or any related agreement is determined 
to be unenforceable or invalid, all other provisions remain in full force and effect. 

UNAUTHORIZED  USE.  You  may  be  liable  for  the  unauthorized  use  of  Your 
Account. You will not be liable for the unauthorized use that occurs after You notify 
Us  orally  and  in  writing  at  the  address  or  telephone  number  shown  in  this 
Agreement,  of  the  loss,  theft,  or  possible  unauthorized  use.  In  any  case,  Your 
liability will not exceed $50.00. 

NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly in writing if You 
move or otherwise have a change of address.  

CHANGE  IN  TERMS.  We  may  change  the  terms  of  this  Agreement  by  mailing  or 
delivering to You written notice of the changes as prescribed by the Federal Truth-In-
Lending  Act.  To  the  extent  permitted  by  law,  the  right  to  change  the  terms  of  this 
Agreement  includes,  but  is  not  limited  to,  the  right  to  change  the  periodic  rate 
applicable to Your unpaid balance and/or future advances. 

Copyright Oak Tree Business Systems, Inc., 2013 - 2020. All Rights Reserved. 

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REFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not liable for 
the  refusal  or  inability  of  merchants,  financial  institutions  and  others  to  accept  the 
Cards or Convenience Checks, or electronic terminals to honor the Cards or complete 
a Card withdrawal, or for their retention of the Cards or Convenience Checks. 

LOST CARDS. To report lost or stolen Credit Cards, You will call Us immediately at 
(800)  825-3622  or  (513)  762-5070  or,  You  can  write  to  Us  at  P.  O.  Box  14090, 
Cincinnati, OH, 45250-0090. 

FOREIGN  TRANSACTIONS.  For  transactions  initiated  in  foreign  currencies,  the 
exchange  rate  between  the  transaction  currency  and  the  billing  currency  (U.S. 
dollars)  will  be:  (a)  a  rate  selected  by  VISA  and/or  MasterCard,  as  is  applicable, 
from the range of rates available in wholesale currency markets for the applicable 
central  processing  date,  which  rate  may  vary  from  the  rate  VISA  or  MasterCard 
itself  receives;  or  (b)  the  government-mandated  rate  in  effect  for  the  applicable 
central processing date.  

For  all  transactions,  You  will  be  charged  1.00%  calculated  on  the  final   
settlement amount. 

EFFECT  OF  AGREEMENT.  Even  though  the  sales,  cash  advance,  credit  or  other 
slips You may sign or receive when using the Card contain terms, this Agreement is 
the contract which solely applies to all transactions involving Your Account. 

CONSENT TO AGREEMENT. You acknowledge receipt of a copy of this Agreement. 
By signing the Application and Your Credit Card, by using the Card, by using Your 
Account or by authorizing another to use Your Account, You agree to accept its terms. 

•  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: 

INTEGRATED  DOCUMENTS.  Any  separate  sheet  of  paper  labeled  "Additional 
Disclosure  -  Federal  Truth-In-Lending Act"  which  is  delivered to You and  relates  to 
this Agreement is an integrated part of this Agreement and Disclosure. 

• 

• 

UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts to 
update personal information or other financial information related to You, at Our request. 
You also agree that We may, from time to time, as We deem necessary, make inquiries 
pertaining to Your employment, credit standing and financial responsibility in accordance 
with applicable laws and regulations. You further agree that We may give information 
about  the  status  and  payment  history  of  Your  Account  to  consumer  credit  reporting 
agencies,  a  prospective  employer  or  insurer,  or  a  state  or  federal  licensing  agency 
having any apparent legitimate business need for such information. 

TERMINATION. Subject to applicable law, either You or We may cancel Your Account 
at any time whether or not You are in default. You will, in any case, remain liable to 
pay any unpaid balances according to the terms of this Agreement.  

GOVERNING  LAW.  This  Agreement  is controlled and  governed by the laws  of  the 
State  of  Ohio  except  to  the  extent  that  such  laws  are  inconsistent  with  controlling 
federal law.    

Your 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 Our address shown in 
this Agreement. 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. 

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 $50.00 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 
$50.00. (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.) 

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 Our address shown in this Agreement.  

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.

Copyright Oak Tree Business Systems, Inc., 2013 - 2020. All Rights Reserved. 

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KEMBA CREDIT UNION, INC. 
P. O. BOX 14090 
CINCINNATI, OH 45250 
(800) 825-3622 
FAX (513) 762-1619 

PRICING INFORMATION ADDENDUM – 
CREDIT CARD AGREEMENT 
AND DISCLOSURE STATEMENT 

THIS IS YOUR ADDENDUM THAT CONTAINS PRICING INFORMATION FOR YOUR VISA, SHARE 
SECURED  VISA,  VISA  GOLD,  VISA  PLATINUM,  GCFCU  VISA,  MASTERCARD  AND  SHARE 
SECURED MASTERCARD CREDIT CARDS. PLEASE BE CERTAIN TO READ THIS ADDENDUM 
CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.   

Interest Rate and Interest Charges 

Annual Percentage Rate 
(APR) For Purchases 

VISA: 10.24%   

This APR will vary with the market based on the Prime Rate. 

VISA Gold: 7.99%    

This APR will vary with the market based on the Prime Rate. 

VISA Platinum: 9.90% 
GCFCU VISA: 12.90% 
MasterCard: 13.90% 

Share Secured VISA: 18.00% 
Share Secured MasterCard: 18.00% 

Annual Percentage Rate 
(APR) For Balance Transfers 

VISA: 10.24%   

This APR will vary with the market based on the Prime Rate. 

VISA Gold: 7.99%    

This APR will vary with the market based on the Prime Rate. 

Annual Percentage Rate 
(APR) For Cash Advances 

VISA Platinum: 9.90% 

GCFCU VISA: 12.90% 

MasterCard: 13.90% 

VISA: 10.24%     

Share Secured VISA: 18.00% 

Share Secured MasterCard: 18.00% 

This APR will vary with the market based on the Prime Rate. 

VISA Gold: 7.99%    

This APR will vary with the market based on the Prime Rate. 

VISA Platinum: 9.90% 

GCFCU VISA: 12.90% 

MasterCard: 13.90% 

Share Secured VISA: 18.00% 

Share Secured MasterCard: 18.00% 

Paying Interest 

We will not charge You interest on purchases if You pay Your entire balance owed each 
month within  25 days of Your statement closing date. We will begin charging  interest on 
cash advances and balance transfers on the transaction date. 

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 Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore. 

Fees 

Annual Fee         

For MasterCard, Share Secured MasterCard and Share Secured VISA, $25.00 

SEE TOP OF PAGE 2 for more important information about Your Account 

Copyright Oak Tree Business Systems, Inc., 2013-2020. All Rights Reserved. 

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Fees (continued) 

Transaction Fees 

  Foreign Transaction   
  Balance Transfer         
  Cash Advance 

Penalty Fees 

  Returned Payment  
  Late Payment  

1.00% of each transaction in U.S. dollars. 
2.00% of each transfer ($2.00 minimum - $50.00 maximum). 
2.00% of each advance ($2.00 minimum - $50.00 maximum). 

Up to $25.00  
Up to $25.00 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See Your 
Account Agreement for details. 

Billing Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your Account 
Agreement. 

SEE PAGE 1 for more important Information about Your Account 

FINANCE CHARGES. In the case of any transactions on Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances 
outstanding during the month (including new transactions). To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases, 
balance transfers, cash advances, insurance premiums, debit adjustments, or other charges and subtract any payments, credits, and unpaid Finance Charges or Late Charges. 
This gives Us the daily balance. Then, We add up all the daily balances for the billing cycle and divide them by the number of days in the billing cycle. The Finance Charge for 
a billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Daily Periodic Rate times the number of days in the billing cycle. 

You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month within 25 days of Your statement closing date. Otherwise, the 
new  balance  of  purchases,  and subsequent  purchases from the  date  they  are posted to  Your  Account,  will  be subject to  a  Finance  Charge.  Cash advances  and balance 
transfers are always subject to a Finance Charge from the date they are posted to Your Account. 

VISA is subject to a current Daily Periodic Rate of 0.028054% (corresponding ANNUAL PERCENTAGE RATE 10.24%). 

VISA Gold is subject to a current Daily Periodic Rate of 0.021890% (corresponding ANNUAL PERCENTAGE RATE 7.99%). 

Share Secured VISA is subject to a Daily Periodic Rate of 0.049315% (corresponding ANNUAL PERCENTAGE RATE 18.00%). 

VISA Platinum is subject to a Daily Periodic Rate of 0.027123% (corresponding ANNUAL PERCENTAGE RATE 9.90%). 

GCFCU VISA is subject to a Daily Periodic Rate of 0.035342% (corresponding ANNUAL PERCENTAGE RATE 12.90%). 

MasterCard is subject to a Daily Periodic Rate of 0.038082% (corresponding ANNUAL PERCENTAGE RATE 13.90%). 

Share Secured MasterCard is subject to a Daily Periodic Rate of 0.049315% (corresponding ANNUAL PERCENTAGE RATE 18.00%). 

VISA AND VISA GOLD VARIABLE INTEREST RATE. All VISA and VISA Gold transactions are subject to a Variable Rate which is based on the most recent Prime Rate 
available as published in the Money Rates Section of The Wall Street Journal and will be the most recent rate available on the last day of each calendar quarter of each year 
("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of the first statement 
cycle following the end of each calendar quarter of each year. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and 
will affect the number of Your scheduled payments. Your Interest Rate will never be greater than 18.00%. 

The applicable Margins are as follows: VISA 6.99%; and VISA Gold 4.74%. 

Copyright Oak Tree Business Systems, Inc., 2013-2020. All Rights Reserved. 

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