CREDIT LINE ACCOUNT AGREEMENT AND DISCLOSURE 
THIS  IS  YOUR  CREDIT  LINE  ACCOUNT  AGREEMENT  AND  IT  INCLUDES  NECESSARY  FEDERAL  TRUTH-IN- 
LENDING  DISCLOSURE  STATEMENTS,  FIRST  TIME  USER  VISA,  LOW  RATE  VISA,  SHARE  SECURED  VISA, 
PLATINUM REWARDS VISA, WSUAA AFFINITY VISA AND WSUAA AFFINITY REWARDS VISA, AGREEMENTS, 
AND  ANY  SPECIAL  INSTRUCTIONS  REGARDING  THE  USE  OF  YOUR  FIRST  TIME  USER  VISA,  PLATINUM 
REWARDS VISA, WSUAA  AFFINITY  VISA, WSUAA  AFFINITY  REWARDS  VISA,  LOW  RATE VISA  AND  SHARE 
SECURED VISA, CREDIT CARDS, AND/OR ANY 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 

First Time User VISA: 17.99

Share  Secured  VISA:  12.50  Low
Rate VISA: 6.25-14.25 %

% 

% 

Your APR will vary with the market based on the Prime Rate. 

Platinum Rewards VISA: 9.25- 17.25 % 

Your APR will vary with the market based on the Prime Rate. 

WSUAA Affinity VISA: 6.25-14.25 %

Your APR will vary with the market based on the Prime Rate. 

WSUAA Affinity Rewards VISA: 9.25- 17.25 % 

Your APR will vary with the market based on the Prime Rate. 

Annual Percentage Rate 
(APR) For Balance Transfers 

First Time User VISA: 17.99 

 % 

Share  Secured  VISA:  12.50 

% 

Low Rate VISA: 6.25-14.25 %

Your APR will vary with the market based on the Prime Rate. 

Platinum Rewards VISA: 9.25-17.25  %

Your APR will vary with the market based on the Prime Rate. 

WSUAA Affinity VISA: 6.25-14.25 %

Your APR will vary with the market based on the Prime Rate. 

WSUAA Affinity Rewards VISA: 9.25-17.25  %

Your APR will vary with the market based on the Prime Rate. 

Annual Percentage Rate 
(APR) For Cash Advances 

First Time User VISA: 17.99 

% 

Share  Secured  VISA:  12.50 

% 

Low Rate VISA: 6.25-14.25 %

Your APR will vary with the market based on the Prime Rate. 

Platinum Rewards VISA: 9.25-17.25  %

Your APR will vary with the market based on the Prime Rate. 

WSUAA Affinity VISA: 6.25-14.25 %

Your APR will vary with the market based on the Prime Rate. 

WSUAA Affinity Rewards VISA: 9.25-17.25  %

Your APR will vary with the market based on the Prime Rate. 

ReadyLine: 17.90 

% 

Stretch Pay® Line of Credit: 25.00 

% 

Copyright Oak Tree Business Systems, Inc., 2001-2019. All Rights Reserved. 

SEE PAGE 2 for more important information about Your Account 
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Interest Rate and Interest Charges (continued) 

Paying Interest 

For VISA 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. 

For all Feature Categories, We will begin charging interest on cash advances and balance 
transfers on the transaction date. 

For Credit Card Tips from 
the Federal Reserve Board 

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 

Transaction Fees 

 Foreign Transaction

Penalty Fees 

 Returned Payment
 Late Payment

For StretchPay® Line of Credit, $25.00, $35.00 or $70.00 depending on Your approved 
credit limit. 

For VISA, 1.00% of each foreign currency transaction in U.S. Dollars. 
For VISA, 1.00% of each U.S. Dollar transaction that occurs in a foreign country. 

For VISA up to $25.00 
For VISA up to $20.00 
Except for VISA, 5.00% of the payment due 

How We Will Calculate Your Balance: For all Feature Categories (except VISA), We use a method called "daily balance." 
For  VISA,  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 WRIGHT-PATT 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 First Time User VISA, Low Rate 
VISA, Share Secured VISA, Platinum Rewards VISA, WSUAA Affinity VISA or WSUAA Affinity Rewards VISA, Credit Card issued to You by Us and any duplicates or 
renewals. "Convenience Checks" mean the special Account access devices that We may provide for Your use from time to time. 

You, as the Borrower, under a Credit Line Account ("Account"), understand that the following Federal Disclosure Statement and the terms and conditions found herein constitute 
Our Agreement with You. Your Account may be accessible through a variety of means which could include advance request forms, vouchers, checks, charge slips, Convenience 
Checks, Credit Cards 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. 

FEATURE  CATEGORIES.  Your Account has Feature Categories which may include ReadyLine (including Overdraft Protection), StretchPay® Line of Credit, First Time 
User VISA, Low Rate VISA, Share Secured VISA, Platinum Rewards VISA, WSUAA Affinity VISA and WSUAA Affinity Rewards VISA. 

ADVANCES. Whenever You request a transaction, We may require You to prove 
Your identity. If You request an advance by telephone, We will deposit the amount 
requested in Your share account or Your share draft account and You authorize Us 
to do this, or We may draw a draft or check made payable to You and mail it to You. 
When  the  amount  advanced  appears  on  a  subsequent  statement  that  will  be 
conclusive evidence of Your telephone request. You understand that whether or not 
any specific secured advance request is approved may be determined by how much 
equity You have or will have in the shares and/or collateral offered as security. 

For  advances  under  Your  StretchPay®  Line  of  Credit  Feature  Category,  all 
advances must be equal to Your approved Credit Limit. 

SECURITY. As permitted by law, to secure all transactions under this Agreement in 
either  joint  or  individual  Accounts,  We  have  the  right  to  impress  and  enforce  a 
statutory  lien  against  Your  shares  on  deposit  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 that You owe on any unpaid balance on Your Account and We may enforce 
Our right to do so without further notice to You. Additionally, You agree that We may 
set-off any mutual indebtedness. 

You  acknowledge that  You  own  any  shares  and/or collateral pledged as security 
and that there are no other liens against them other than Ours. You agree to perform 

all  acts  which  are  necessary  to  make  Our  security  interest  in  the  shares  and/or 
collateral being pledged enforceable. 

All  certificates  which  are  pledged  as  Collateral  must  be  renewed  until  Your 
outstanding  balance is  paid  in full. Failure  to renew  any certificates securing  any 
advance  will  cause  Your  entire  outstanding  Account  balance  to  become 
immediately due and payable. 

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. 

LIEN ON SHARES. If You have been issued a Credit Card, You grant and 
consent to a lien on Your shares with Us (except for IRA, Keogh and Health 
Savings accounts) and any dividends due or to become due to You from 
Us to the extent You owe on any unpaid Credit Card balance. 

ACCOUNT  RESTRICTIONS.  In  order  to  receive  and  maintain  a  Share  Secured 
VISA Feature Category, You agree to give Us a specific pledge of shares which will 
equal  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  Share 

Copyright Oak Tree Business Systems, Inc., 2001-2019. All Rights Reserved. 

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Secured VISA Category. You may cancel Your Share Secured VISA Account at any 
time by paying any amounts owed on Your Secured VISA Feature Category. To be 
certain that Your entire balance and all advances on Your Account are paid, any 
shares pledged may not be available to You for 30 days after You have cancelled 
and any outstanding balance is paid in full. 

In order to receive and maintain a StretchPay® Line of Credit Feature Category, You 
agree to give Us a specific pledge of shares at the time of Your initial advance on 
Your StretchPay® Line of Credit, which will equal 10.00% of Your Credit Limit. The 
funds  required  for  this  pledge  will  be  deducted  from  the  amount  advanced  and 
deposited  into  Your  share  account.  In  the  event  that  You  default  on  Your 
StretchPay® Line of Credit Feature Category, We may apply these shares toward 
the  repayment  of  any  amount  owed  on  such  Feature  Category.  The  shares 
originally  pledged  will  be  released  upon  Our  termination  and  closure  of  such 
Feature Category although they may not be available to You for 30 days after any 
outstanding balance is paid in full. 

LINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for each 
Feature Category for which You are approved. Unless You are in default, any Credit 
Limits established for You will generally be self-replenishing as You make payments. 

You will keep Your unpaid balance within Your Credit Limit set by Us, and You will 
pay any amount over Your Credit Limit on Our demand whether or not We authorize 
the advances 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. 

JOINT  ACCOUNTS.  Each Borrower  will  be  responsible, jointly and severally, for 
the  repayment  of  any  amounts  owed.  If  any  Account  access  device,  such  as  a 
Personal Identification Number (PIN) is requested and approved, You understand 
that any such Account access device(s) 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. 

MINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You need 
only pay the Minimum Monthly Payments, You understand that You have the right 
to  repay  at  any  time  without  penalty.  You  also  understand  that  You  will  only  be 
charged  periodic  Finance  Charges  to  the  date  You  repay  Your  entire  balance.  
You  may  make  larger  payments  without  penalty.  Any  partial  payment  or 
prepayment will not delay Your next scheduled payment. All payments to Us must 
be  in  lawful  money  of  the  United  States.  We  may  apply  each  payment  to 
whichever  Feature  Category We  wish.  For all  Feature  Categories  (except  VISA), 
payments  will  be  applied  first  to  any  Late  Charges  owing,  then  to  the  Finance 
Charge due, then to the outstanding principal balance. Except as required by law, 
the order in which We may apply VISA payments is at Our discretion. Any unpaid 
portion of  the  Finance  Charge  will  be  paid  by  subsequent  payments and  will  not 
be  added  to  Your  principal  balance.  You  understand  that  any  delay  in  the 
repayment  of  Your  unpaid  balance  will  increase  Your  periodic  Finance  Charges 
and any acceleration in the repayment of Your unpaid balance will decrease Your 
periodic Finance Charges. 

ReadyLine  Minimum  Payments  will  be  an  amount  equal  to  3.00%  of  Your  new 
unpaid ReadyLine balance at the end of each billing cycle, subject to the lesser of 
$20.00 or Your 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. 

StretchPay® Line of Credit Minimum Payments will be disclosed to You at the time 
of each advance on a separate page titled "Credit Line Account Advance Request 
and Security Agreement." 

VISA Minimum  Payments  will  be  an  amount  equal  to  2.00%  of Your  new  unpaid 
balance  at  the  end  of  each  billing  cycle,  subject  to  the  lesser  of  $20.00  or  Your 
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. 

You may, by separate agreement, authorize Us to charge Your payment directly to 
Your share or share draft account. 

LATE  CHARGE  (EXCEPT  FOR  VISA).  If Your payment is 10 or more days late, 
You will be charged 5.00% of the payment due. 

OTHER FEES AND CHARGES (EXCEPT FOR VISA). For all Feature Categories 
(except VISA), You will be charged a $75.00 FINANCE CHARGE each time You 
request  and  We  agree  to  lower  the  periodic  rate  and  corresponding  Annual 
Percentage Rate applicable to such Feature Category. 

STRETCHPAY® LINE OF CREDIT  ANNUAL MEMBERSHIP   FEE.  StretchPay® 
Line  of  Credit  Accountholders  with  approved  Credit  Limits  of  $150.00  will  be 

charged  a  $25.00  Annual  Membership  Fee  for  continued  participation  in  the 
StretchPay®  Line  of  Credit  program.  StretchPay®  Line  of  Credit  Accountholders 
with  approved  Credit  Limits  of  $250.00  will  be  charged  a  $35.00  Annual 
Membership  Fee  for  continued  participation  in  the  StretchPay®  Line  of  Credit 
program.  StretchPay® Line  of  Credit  Accountholders  with  approved  Credit  Limits 
of  $500.00  will  be  charged  a  $70.00  Annual  Membership  Fee  for  continued 
participation in the StretchPay® Line of Credit program. This fee is required each 
year  to  continue  credit  availability  whether  or  not  You  use  Your  Account 
throughout the year. 

FINANCE CHARGES (EXCEPT FOR VISA). A Finance Charge will be assessed 
on  any  unpaid  principal  balance  for  each  Feature  Category  of  Your  Account  for 
the  period  such  balance  is  outstanding.  Balances  change  each  time  advances  
are made, payments are made or credits given under any Feature Category. The 
Finance  Charge  begins  to  accrue  on  the  date  of  each  advance  and  there  is  no 
grace period. 

HOW TO DETERMINE THE FINANCE CHARGE (EXCEPT FOR VISA). For all 
Feature  Categories  (except  for  VISA),  the  Finance  Charge  is  determined  by 
multiplying Your unpaid balance at the close of each day in the billing cycle being 
accounted  for  by  the  applicable  Daily  Periodic  Rate.  The  unpaid  balance  is  the 
balance  each  day  after  payments,  credits,  and  unpaid  Finance  Charges  to  that 
balance have been subtracted and any new advances, insurance premiums or other 
charges have been added to Your unpaid balance. These daily Finance Charges 
are then added together and the sum is the amount of the Finance Charge owed 
for the Feature Category being accounted for. The total Finance Charge You owe 
on Your Account for each billing cycle is the sum of all the Finance Charges due for 
all applicable Feature Categories. 

VISA  FINANCE  CHARGES.  In  the  case  of  any  transactions  under  Your  VISA 
Feature Categories, 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 during the first billing cycle, We take the beginning 
balance  of  Your  Account  each  day,  add  any  new  purchases,  cash  advances, 
insurance  premiums,  debit  adjustments  or  other  charges  and  subtract  any 
payments, credits and unpaid Finance Charges. This gives  Us the daily balance. 
Then, We add up all the daily balances for the billing cycle and divide them by thirty 
days (regardless of the actual number of days during the first billing cycle). 

To get the average daily balance during the second and subsequent billing cycles, 
We take the beginning balance of Your Account each day, add any new purchases, 
cash  advances,  insurance  premiums,  debit  adjustments  or  other  charges  and 
subtract any payments, credits and unpaid Finance Charges. This gives Us the daily 
balance. Then, We add up all the daily balances for the billing cycle and divide them 
by the actual 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 Monthly Periodic Rate. 

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 
later of the date they are posted to Your Account or from the first day of the billing 
cycle in which the cash advance is posted to Your Account. 

VISA  VARIABLE  RATE.  For  Low  Rate  VISA,  Platinum  Rewards  VISA, WSUAA 
Affinity VISA and WSUAA Affinity Rewards VISA feature categories, all advances 
are  subject  to  a  Variable  Rate  which  is  based  on  the  highest  Prime  Rate  as 
published in the Money Rates section of The Wall Street Journal in effect 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  billing  cycle  in  the  month  immediately 
following any such change in the index. Increases or decreases in the Interest Rate 
will  cause  like  increases  or  decreases  in  the  Finance  Charge  and  will  affect  the 
number  of  Your  regularly  scheduled  payments.  Other  than  the  maximum  and 
minimum  Interest  Rates that can apply  at  any  time, Your Interest  Rate will  never 
increase or decrease by more than 1.00 percentage point on any change date. Your 
Interest Rate will never be greater than 25.00%, and will apply to Your remaining 
principal balance. 

For  the  applicable  Index,  Margin,  Daily  or  Monthly  Periodic  Rates  and 
corresponding  Annual  Percentage  Rates  for  all  Feature  Categories,  refer  to 
the separate page titled Additional Disclosure - Federal Truth In-Lending Act" 
and/or  "Credit  Line  Account  Advance  Request  And  Security  Agreement" 
which We have included with and made a part of this Agreement. 

Copyright Oak Tree Business Systems, Inc., 2001-2019. All Rights Reserved. 

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OVERDRAFT PROTECTION. We may transfer funds in the amount necessary (or 
in  such  increments  as We  may  from  time  to  time  determine)  to  Your  share  draft 
Account by an advance on ReadyLine Feature Category, subject to this provision, 
to clear any overdraft on Your share draft account. Whether or not such transfers 
occur will be controlled by this Agreement. In any event, You hold Us harmless for 
any  and  all  liability  which  might  otherwise  arise  if  the  transfer  does  not  occur. 
Overdraft  protection  automatically  ceases  if  this  Agreement  is  ever  cancelled  or 
terminated or Your Account is in default. 

PERIODIC  STATEMENTS.  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 month 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. 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. 

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. 

Upon  any  occurrence  of  default, We  may, to the extent  permitted  by  law,  cancel 
Your  rights  under  this  Agreement,  require  the  return  of  all  access  devices  and 
declare the entire balance of every Feature Category of Your Account immediately 
due and payable, without prior notice or demand. 

COLLECTION  COSTS.  In  the  event  collection  efforts  are  required  to  obtain 
payment on this Account, to the extent permitted by law, You agree to pay all court 
costs,  private  process  server  fees,  investigation  fees  or  other  costs  incurred  in 
collection  and  reasonable  attorneys'  fees incurred in  the  course  of collecting  any 
amounts owed under this Agreement or in the recovery of any collateral. 

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. 

NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly 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. 

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 Your outstanding balance. If You elect 
to do so, You will be given the necessary disclosures and documents separately. 

INTEGRATED  DOCUMENTS.  Any  separate  sheet  of  paper  labeled  "Additional 
Disclosure  -  Federal  Truth-In-Lending  Act,"  "Additional  Disclosure"  and/or  "Credit 
Line  Account  Advance  Request  and  Security  Agreement"  which  is  delivered 
together with this Agreement or at a later date becomes an integrated part of this 
Agreement and Disclosure. 

CONSENT  TO  AGREEMENT.  You  acknowledge  receipt  of  a  copy  of  this 
Agreement.  By  signing  the  application;  or by  using  Your  Account  or  any  Account 
access device; or  by  authorizing another  to use  Your  Account,  You  agree  to and 
accept its terms. 

UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide 
facts to update information contained in Your original Account application 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.  Either  You  or  We  may  cancel  Your  Account  or  any  particular 
Feature Category of 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 Your Account. 

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. 

SPECIFIC TERMS APPLICABLE TO YOUR 
FIRST TIME USER VISA, LOW RATE VISA, SHARE SECURED 
VISA, PLATINUM REWARDS VISA, WSUAA AFFINITY VISA AND 
WSUAA AFFINITY REWARDS VISA CREDIT CARDS 

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    at    participating 
financial  institutions.  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. 

EFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other 
slips You may sign or receive when using Your Card contain terms, this Agreement 
is the contract which solely applies to all transactions involving the Card. 

UNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card. 
You will not be liable for the unauthorized use that occurs after You notify Us of the 
loss,  theft,  or  possible  unauthorized  use  by  calling  Us  at  the  telephone  number 
shown in this Agreement or by writing to Us at the address shown in this Agreement. 
In any case, Your liability will not exceed $50.00. 

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. 

FOREIGN  TRANSACTIONS.  For  transactions  initiated  in  foreign  countries  and 
foreign  currencies,  the  exchange  rate  between  the  transaction  currency  and  the 
billing currency (U.S. Dollars) will be: (a) a rate selected by VISA from the  range 
of  rates  available  in  wholesale  currency  markets  for  the  applicable  central 
processing  date,  which  rate  may  vary  from  the  rate    VISA  itself  receives;  or  (b)  
the  government-mandated  rate  in  effect  for  the  applicable  central    processing 
date. For transactions that are initiated in a foreign currency, You will be charged 
1.00%  of  the  final  settlement  amount.  For  transactions  occurring  in  foreign 
countries  and  initiated  in  U.S.  Dollars,  You  will  be  charged  1.00%  of  the  final 
settlement amount. 

TRANSACTION  SLIPS.  Your  monthly  statement  will  identify  that  merchant, 
electronic  terminal  or  financial  institution  at  which  transactions  were  made,  but 
sales, cash advances, credit or other slips cannot be returned with the statement. 

LATE CHARGE. If Your payment is five or more days late, You will be charged the 
lesser of: (a) the amount of the minimum payment due; or (b) $20.00. 

OTHER FEES AND CHARGES. You will be charged the lesser of $25.00 for any 
check (or other negotiable instrument used for payment) which is returned unpaid, 
or the required minimum payment amount for the returned payment. 

LOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit Cards 
or Convenience Checks, You will immediately call Us at or write to Us at the address 
shown in this Agreement. 

CREDITS.  If  a  merchant  who  honors  Your  Card  gives  You  credit  for  returns  or 
adjustments,  they  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 six months. 

Copyright Oak Tree Business Systems, Inc., 2001-2019. All Rights Reserved. 

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Your Billing Rights: Keep this Document for Future Use 

After We finish Our investigation, one of two things will happen: 

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. 
.  At least three business days before an automated payment is scheduled, if You 

want to stop payment on the amount You think is wrong. 

 

 

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 

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. 

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: 

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. 

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. 

While We investigate whether or not there has been an error: 

3)  You must not yet have fully paid for the purchase. 

  We cannot try to collect the amount in question, or report You as delinquent on 

that amount. 

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. 

  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. 

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., 2001-2019. All Rights Reserved. 

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