CEFCU�  
MASTERCARD,�  
CEFCU REWARDS 
MASTERCARD,  
AND  
CEFCU WORLD  
MASTERCARD  
CARDHOLDER  
AGREEMENT
P .O. BOX 1715  
PEORIA, ILLINOIS 61656-1715
MEMBER SERVICE  
1.800.633.7077  
309.633.7000
M-111950 2Contents
Acceptance of This Agreement   . . . . . . . . . . . . . . . . . . . . . . . 3
Using Y our Account   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4
Payments   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8
Interest Charges   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13
Minimum Interest Charge   . . . . . . . . . . . . . . . . . . . . . . . . . 16
Increased Penalty  
Annual Percentage Rate   . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16
Account Fees   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17
Default/Collection   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18
Closing Y our Account   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19
Notices/Changes of  
Information Relating to Y ou   . . . . . . . . . . . . . . . . . . . . . . . . 19
Changing this Agreement   . . . . . . . . . . . . . . . . . . . . . . . . . . 19
Telephone Monitoring and Recording   . . . . . . . . . . . . . . . 20
CEFCU CURewards� P ROGRAM   . . . . . . . . . . . . . . . . . . 20
Questions or Concerns  
About Y our Account   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20
Y our Personal Information   . . . . . . . . . . . . . . . . . . . . . . . . . 20
Enforcing this Agreement   . . . . . . . . . . . . . . . . . . . . . . . . . . 20
Assignment   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21
Governing Law   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21
Y our Billing Rights   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21
Help Us Do Our Best to  
Prevent Credit Card Crime   . . . . . . . . . . . . . . . . . . . . . . . . . 23
Special Rules for  
California Residents   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23
ATM Safety Tips   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24 2 3CEFCU MASTERCARD,  
CEFCU REWARDS MASTERCARD, 
AND CEFCU WORLD 
MASTERCARD CARDHOLDER 
AGREEMENT
ACCEPTANCE OF THIS AGREEMENT
This CEFCU MasterCard�, CEFCU Rewards MasterCard, 
and CEFCU World MasterCard Cardholder Agreement (�this 
agreement�) contains the terms and conditions which govern your 
CEFCU MasterCard, CEFCU Rewards MasterCard, or CEFCU 
World MasterCard Credit Card and account . This agreement 
replaces all earlier agreements related to the Card and account . 
Please read the entire agreement and keep it for your records .
Throughout this agreement, the word �Card� means the CEFCU 
MasterCard, CEFCU Rewards MasterCard, or CEFCU World 
MasterCard Credit Card(s) issued by CEFCU to you  . The word 
�Card� also includes any other access devices, such as account 
numbers (including virtual account numbers, virtual card numbers 
and digital card numbers hereinafter with your account number 
collectively referred to as �account number�), and Convenience 
Checks that we have issued to permit you to obtain credit under this 
agreement . The primary cardholder�s account number may differ 
from the other cardholder(s)� account number(s), but all are part 
of the same account . We may issue Cards to renew your current 
Card or substitute and replace it with a different type of Card if your 
current type of Card is discontinued or for other reasons . The word 
�Card� also includes any renewal or substitute Card  .
Throughout this agreement, the words �we� , �us� , �our� and �CEFCU� 
mean Citizens Equity First Credit Union, the issuer of your Card and 
account . The words �you� and �your� mean the primary cardholder, 
any other cardholder(s) and any person who has been authorized by 
you to receive and use the Card .
If at your request, we used your account to issue supplementary 
Cards to others, �you� will also mean each one of you  . All of you 
individually and together agree to be bound by this agreement .  
In addition, this agreement will be binding on your personal and 
legal representatives .
Please sign the back of your Card when you receive it . Y ou will be 
bound by this agreement even if you don�t sign your Card  . If we have 
issued a Card to you; provided you with a renewal or replacement 
Card; or provided you with Convenience Checks, and you keep or 
use the Card or Convenience Checks, it means that you understand 
and agree to be bound by the terms of this agreement . Y our 
application for a Card and all other disclosure documents which we 
provide to you form an integral part of this agreement .  4USING YOUR ACCOUNT
Provided that your account is in good standing, you may draw on it 
by using your Card, by use of your Card together with your Personal 
Identification Number (PIN), by use of your account number 
without presenting your Card or by use of a CEFCU MasterCard 
Convenience Check provided to you by CEFCU (�Convenience 
Check(s)� and/or other access devices included in the word �Card� 
when referring herein collectively to the access devices that we 
have issued to permit you to obtain credit under this agreement) 
wherever the Card or Convenience Checks are accepted or by 
Balance Transfers we allow or by Overdraft Protection we approve 
and up to the maximum amount we have set as your credit limit . 
We are not responsible for refusal by anyone to accept your Card 
or Convenience Check . Y ou promise to use your account only for 
valid and lawful transactions . Y ou agree not to use your account 
for internet gambling transactions or any illegal purpose or illegal 
transaction . Any such use by you will constitute (i) a waiver by 
you of any right to sue CEFCU respecting any such gambling 
transaction, illegal purpose or illegal transaction by you and (ii) 
your agreement to indemnify and hold CEFCU free and harmless 
from and against any suits or other legal action or liability, directly or 
indirectly, resulting from such gambling transaction, illegal purpose 
or illegal transaction by you . It is not our responsibility to make sure 
that you use your account only for permissible transactions, and you 
will remain responsible for paying for a transaction even if it is not 
permissible . Y ou authorize us to pay for and charge your account for 
all transactions made on your account . 
Types Of Transactions
� Purchases: Y ou may use your Card to pay for goods or services .
� Convenience Checks: We may provide you with Convenience 
Checks as a way to use your account . All transactions using 
Convenience Checks will be treated as Cash Advances and will 
be subject to the terms of this agreement that apply to Cash 
Advances unless you are notified otherwise in a written notice 
from CEFCU at the time we provide you with the Convenience 
Checks . Convenience Checks must be ordered through CEFCU  . 
Only a person whose name is printed on a Convenience Check 
may sign it . All Convenience Checks must be written in U  .S . 
Dollars . CEFCU will not certify a Convenience Check . CEFCU 
is entitled to return a Convenience Check unpaid if there is not 
enough available credit on your account to pay it, if you are in 
default under this agreement, if your Card or Convenience 
Checks have been reported lost or stolen, if the Convenience 
Check is post-dated (shows a future date), if the Convenience 
Check is not signed, if the Convenience Check is expired, or if 
the Convenience Check was not ordered through CEFCU, and 
for any other reason in our sole discretion . An interest charge 
will be imposed from the date a Convenience Check is posted 
to your account until the date it is fully paid  . A Convenience  5Check cannot be used to make a payment on your account . Only 
Convenience Checks issued on or after July 1, 2014, that conform 
to the foregoing requirements will be accepted by us .
� Cash Advances: Y ou may use your Card together with a PIN to 
obtain Cash Advances at any Automated Teller Machine (ATM) 
that allows you to use the Card  . Y ou may also obtain Cash 
Advances from financial institutions, businesses or merchants 
that accept the Card . If your Card is used to obtain a Cash 
Advance, you are deemed to have authorized the transaction . If 
you use the Card to obtain traveler�s checks, foreign currency, 
money orders, wire transfers or similar cash-like charges; or to 
obtain lottery tickets, casino gaming chips, race track wagers or 
similar gambling transactions, these transactions will be treated 
as Cash Advances . 
� Balance Transfers: Y ou may transfer balances from other accounts 
or loans with other credit card issuers or other lenders to your 
Card, or other Balance Transfers we allow  . But you may not 
transfer balances to your Card from other accounts with us . If a 
portion of a requested Balance Transfer will exceed your available 
credit limit, we may process a partial Balance Transfer up to your 
available credit limit . A Balance Transfer will be processed by 
payment drawn on the account and made by us directly to the 
other credit card issuers or other lenders . 
� Overdraft Protection: If you have requested and we have 
approved Overdraft Protection from the account for a Checking 
Account maintained with CEFCU (�Checking Account�), and 
provided your account is in good standing, you may draw on 
the account by making an overdraft transfer from the account to 
the Checking Account in accordance with the CEFCU Deposit 
Account Agreement . In addition, your account will be charged 
an Overdraft Transfer Fee for each transfer as set forth in this 
agreement . All funds will be transferred in increments of $100 
and the full amount of the transfer will be treated as a Cash 
Advance and will be subject to the terms of this agreement that 
apply to Cash Advances . Y ou acknowledge and agree that we may 
refuse an overdraft transfer from the account if the full amount 
of the transfer and the Overdraft Transfer Fee would exceed the 
credit limit of the account . Y ou further acknowledge and agree 
that anyone who is authorized to make withdrawals from the 
Checking Account may access your account through Overdraft  
Protection and that person will be an authorized user  .
Mail, Telephone, Internet or Other  
Card-Not-Present Purchases
If you incur debt on your account without presentation of your Card 
(such as for mail or internet orders, telephone or mobile Purchases), 
your obligation to us will be the same as if the Card was used  .
Authorized Users
If you allow someone to use your account, that person will be an 
authorized user . Y ou should think carefully before allowing anyone 
to become an authorized user because you are allowing that person  5 6to use the account as you can . Y ou will remain responsible for the 
use of your account and each Card issued on your account according 
to the terms of this agreement . This includes your responsibility 
for paying all obligations reflecting Purchases and Cash Advances 
charged to your account by an authorized user  .
Y ou may request an additional Card for use by an authorized user 
on your account . If you do so, this account may appear on the credit 
report of that authorized user . If you have previously authorized 
someone to use your Card or Convenience Checks, and have 
subsequently withdrawn your authorization, you will continue to be 
liable for all obligations incurred by that person�s use of your Card 
prior to termination of that person�s permission to use your account .
Y ou must notify us to terminate an authorized user�s permission to 
use your account . If you notify us, we may close the account and/or 
issue a new Card or Cards with a different account number  . 
An authorized user�s permission to use your account will be 
considered terminated when we close the account and/or issue a 
new Card or Cards with a different account number  . Y ou should also 
recover and destroy any Cards, Convenience Checks or any other 
means of access to your account from that authorized user  .
Not Exceeding Your Credit Limit
Y ou agree not to incur any obligations in excess of the credit limit of 
the account authorized for you by CEFCU  . The credit limit will be 
indicated in a separate disclosure document and/or on the cardmailer 
accompanying your Card and/or on your monthly statement . 
Y ou may ask for a credit limit increase by calling: 1 .800 .858 .3400  
or 309 .633 .3400 .
If you exceed your credit limit, CEFCU may: (a) require the 
immediate payment of the amount in excess of the credit limit; (b) 
charge your account without waiving its right to demand immediate 
payment of the amount in excess of the credit limit; (c) refuse to 
permit any Purchases, Balance Transfers or Cash Advances in excess 
of the credit limit; and (d) reverse any Purchases, Balance Transfers 
or Cash Advances in excess of the credit limit as a result of the fault of 
the merchant or person selling the goods or services . This agreement 
applies to any balance over your credit limit . Subject to applicable 
law and at our discretion, we may increase, reduce or cancel your 
credit limit or allow you to exceed your credit limit without giving 
notice to you . However, if you have asked us not to do so, we will not 
increase your credit limit . A change to your credit limit will not affect 
your obligation to pay us . We reserve the right to refuse to honor any 
use of the Card or Convenience Checks which would cause you to 
exceed your credit limit .
Transactions In Foreign Currency
If you use your Card for transactions in a currency other than 
U .S . Dollars, the transactions will be converted by MasterCard to 
U .S . Dollars, using either (1) a rate selected by MasterCard from 
the range of rates available in wholesale currency markets for the  7applicable central processing date, which rate may vary from the 
rate MasterCard itself receives or (2) the government-mandated 
rate in effect for the applicable central processing date  . The currency 
conversion rate for the applicable central processing date may differ 
from the rate in effect at the time of the transaction or on the date 
the transaction is posted to your account . If a credit is subsequently 
given for a transaction and has a different central processing date, 
then the exchange rate of the credit may be greater or less than 
that of the original transaction . Y ou agree to accept the converted 
amount in U .S . Dollars . In addition, if you use your Card and PIN to 
obtain a Cash Advance at an ATM that involves a multi-national or 
worldwide automated teller machine network switch and involves a 
currency other than U .S . Dollars, the transaction will be converted 
to U .S . Dollars, generally using either (1) a government-mandated 
rate, or (2) a wholesale market rate in effect the day before the 
transaction processing date . The currency conversion rate used  
on the processing date may differ from the rate in effect at the  
time of the transaction or on the date the transaction is posted to 
your account .
Refusal To Authorize Transactions
We may, but are not required to, decline a transaction on your 
account because of operational considerations, because your account 
is in default, to protect against potential fraudulent or unlawful 
activity, or in our discretion, for any other reason .
Should a transaction on your account be declined either by us or a 
third party, even if you have sufficient credit available, we will not be 
responsible for any losses that may result . For online transactions, 
we may require that you register your account with the �MasterCard 
SecureCode� authorization system or such other authorization 
system as we may direct to protect you and us . We will notify you if 
we want you to register . If you do not register, we may not be able to 
honor your online transactions .
Loss, Theft Or Unauthorized Use
Y ou will inform us immediately by telephone and in writing about 
any actual or suspected loss, theft or unauthorized use of your 
Card, account number, PIN or Convenience Checks . Notify us in 
writing at CEFCU, P .O . Box 1715, Peoria, Illinois 61656-1715 and 
by phone at 1 .800 .633 .7077 or 309 .633 .7000, of the loss, theft or 
possible unauthorized use . Y ou agree that we will consider that 
all transactions have been authorized by you until you advise  
us otherwise .
If your Card is lost or stolen, you will not be liable for unauthorized 
use of your Card . However, you must identify for us the unauthorized 
charges from which you received no benefit . We may ask for your 
assistance with our investigation by providing us information in 
writing to help us find out what happened  .
Keep Your PIN Confidential
Y ou agree to keep your PIN confidential and separate from your 
Card at all times .  8 7Ownership Of Card
Y ou agree that the Card remains the property of CEFCU and will 
be surrendered to CEFCU on demand; and, that you do not have 
the right to assign or transfer your rights and obligations under this 
agreement, your account or any Cards to anyone else  .
Observing Your Card�s Expiration Date
If your Card contains an expiration date, you agree not to use it or 
any Convenience Checks after such expiration date  . If they are used, 
you agree to pay any debts that are incurred  .
ATMs
The availability of ATM services and the Cash Advance amount you 
can withdraw each day may vary from time to time and without 
prior notice to you . We are not liable if ATM services are not 
available or for any loss or damage you may suffer because of your 
use of an ATM .
PAYMENTS
Providing You With Account Statements
We will send you a monthly account statement if there have been 
transactions during the last month or if you owe us any money on 
the account . The number of days covered by each account statement 
may vary (normally between 28 and 33 days) as a result of several 
factors, including holidays, weekends and the different number of 
business days in each month . We will send account statements only 
to the primary cardholder at the most current statement mailing 
address that we have on file . The statement shall be conclusively 
deemed correct and accepted by you unless CEFCU receives a 
proper written notification of a billing error within 60 days of the 
first mailing or delivery to you of the monthly statement on which 
the disputed item(s) or amount(s) is/are reflected  . 
Repaying Your Obligations
When you access your account in a manner that we permit, or when 
you authorize others to use it, you will incur an obligation . Y ou agree 
to pay all obligations reflecting Purchases, Balance Transfers and 
Cash Advances charged to your account because of authorized use 
of the Card by you and/or any person authorized by you to use the 
same upon presentment of such obligations to CEFCU  . The primary 
cardholder agrees that, whether or not the other cardholder(s) is/are 
a member of CEFCU and whether or not the other cardholder(s)� 
Card(s) has/have a separate number and/or is/are embossed with the 
other cardholder(s)� name, he or she is primarily liable for paying 
all obligations reflecting Purchases, Balance Transfers and Cash 
Advances charged to the account . We will add a Finance Charge, fees 
and other applicable charges to your obligations and these amounts 
will form part of your obligations . Y ou agree to pay CEFCU for all 
such obligations, at such place as CEFCU designates, with applicable 
interest charges and any Fees that may be due, in accordance with 
billings and the current Extended Payment Schedule  . Interest  8 9charges shall continue to accrue until the principal balance is paid 
in full . Y ou may prepay your New Balance in full without penalty  .
Keeping Your Account In Good Standing
When you incur obligations on your account, we will send you 
an account statement which will indicate the payment due date  . If 
you do not repay your obligations in full by the payment due date, 
you agree to make the minimum monthly payment which we will 
indicate on your account statement . A Minimum Payment will 
appear on your account statement and payment of not less than the 
amount thereof must be made within 25 days after the Statement 
Date . The Minimum Payment will be the sum of (i) the amount 
determined in accordance with the following Extended Payment 
Schedule (Preliminary Minimum Payment), (ii) any amount past 
due, and (iii) any amount by which your New Balance exceeds your 
authorized credit limit . Extended Payment Schedule: If the New 
Balance is $10 .00 or less, the Preliminary Minimum Payment will 
be the New Balance in full . If the New Balance is more than $10 .00, 
the Preliminary Minimum Payment will be 3% of the New Balance, 
or $10 .00, whichever is greater . Any past due or over credit limit 
amount must be paid as soon as you receive your account statement . 
Applying Your Payments
Y our payment will be applied in a manner we determine  . Subject 
to applicable law, we will apply your payment amounts in excess of 
your minimum payment (to the extent sufficient) to pay balances 
with higher interest charges before applying it to balances with lower 
interest charges . Subject to applicable law, we may adjust from time 
to time the date we use to determine the applicable interest rates 
and balances for applying your payment amounts in excess of your 
minimum payment . Notwithstanding the foregoing, if a balance on 
your account is subject to deferred interest or a similar program 
under which you are not obligated to pay interest on that balance if 
you pay that balance in full within a specified period, we will apply 
your payment amounts in excess of your minimum payment during 
the two billing cycles immediately preceding the expiration of that 
specified period (to the extent sufficient) to pay that balance  . Subject 
to applicable law, we reserve the right to change the order in which 
we apply payments . The sooner you pay the New Balance, the less 
you will pay in interest charges .
Acceptance Of Late Or Partial Payments
We may delay enforcing our rights under this agreement and may 
accept late payments, partial payments and payments marked as 
�paid in full� or containing similar wording without losing any rights 
that we have under this agreement or by law, including the right to 
recover in full all amounts that you owe to us on your account .
Skip Payment Option
We may, at our option, allow you to skip a payment from time to 
time . Y ou will be notified in advance of when this option is available 
to you . Y ou may continue to make regular payments as determined 
in this agreement and/or additional payments if you wish and you  10will reduce the amount of interest charges that you will have to pay 
if you do so . If you exercise the skip payment option when it is made 
available to you, you will not be charged a Late Fee for those payments 
skipped . However, if you exercise the skip payment option when it 
is made available to you, interest charges and insurance premiums, 
if any, will continue to accrue on the entire unpaid balance of your 
account during that skip payment period in accordance with this 
agreement . The statement sent to you immediately following the 
skip payment period will indicate the Minimum Payment due  . 
At that time, your Minimum Payments will return to the amount 
computed in accordance with the terms of this agreement and be 
due on the due dates as specified in this agreement .
Applying Credit Receipts
If you use your Card or Convenience Checks for a transaction which 
is subsequently canceled and you are given a credit receipt, we will 
credit your account by the amount shown on the credit receipt within 
three (3) business days after our receipt of the credit transaction . The 
credit will be processed as of the posting date, not the transaction 
date for purposes of the Average Daily Balance calculation .
Credit Balances
Y ou may request a refund of a credit balance at any time  . We may 
reduce the amount of any credit balance by the amount of new 
charges or fees billed to your account . We will not pay you interest 
on any credit balances . If your account has a credit balance for four 
(4) or more consecutive statements we may refund the credit balance 
to your Savings account with us .
Right To Offset
If you have more than one account with us, and if any one of your 
accounts is not in good standing, you agree that we may offset your 
credit balance against the balance of the account which is not in 
good standing .
Pre-Authorized Debits
Y ou may authorize a third party to automatically charge your account 
for repeat transactions by way of a pre-authorized debit (for example, 
monthly utility charges, memberships and insurance premiums) . 
If pre-authorized debits are stopped for any reason (including 
because your account is closed or suspended for any reason), you 
are responsible for notifying the biller and paying these charges 
directly . If your Card or account information changes: (a) you are 
responsible to provide your new Card and account information to 
third parties to continue your pre-authorized debits; (b) we may, but 
are not required to, provide your new Card and account information 
to third parties to continue your pre-authorized debits; and, (c) we 
may, but are not required to, pay from your new account number 
charges that you authorized to be billed to your old account number  .
Promotions
From time to time we may offer special terms for your account . If 
we do, we will notify you about the terms of the offer and how long  11they will be in effect . Any promotion is subject to the terms of this 
agreement, as modified by the promotional offer  .
Making Payments
Payment can be made by you by the following methods:
� Payment by mail or in person at any CEFCU office  . 
� Payment by automatic transfer from your CEFCU Savings or 
Checking Account in accordance with your written authorization 
executed by you either pursuant to CEFCU�s Credit Card 
Automatic Transfer/Payment Program (the �Credit Card 
ATP Program�) or using CEFCU�s standard Authorization/
Cancelation of Automatic Transfers Form (the � ALC Program�) . 
If you have authorized payment through the Credit Card ATP 
Program, then the amount you have specified in the Credit 
Card ATP Program, whether (a) the Minimum Payment, (b) 
a Fixed Monthly Amount, or (c) the New Balance in full, will, 
subject to the availability of sufficient funds in your designated 
Savings or Checking Account, be transferred in accordance with 
the Credit Card ATP Program on the next succeeding transfer 
date specified in your Credit Card ATP Program authorization 
unless (i) the statement shows an account balance of zero dollars 
and no payment due or (ii) you make written request to CEFCU 
not less than three (3) business days prior to the scheduled date 
of the transfer . If you have authorized payment through the 
ALC Program, then the amount you have specified in the ALC 
Program transfer authorization will, subject to the availability of 
sufficient funds in your designated Savings or Checking Account, 
be transferred in accordance with the ALC Program transfer 
authorization unless you make written request to CEFCU not 
less than three (3) business days prior to the scheduled date of 
transfer . If the amount transferred in accordance with the Credit 
Card ATP Program or your ALC Program transfer authorization 
is less than the Minimum Payment, you agree to pay the balance 
of the Minimum Payment . Y ou acknowledge that the Credit Card 
ATP Program and the ALC Program are offered as a convenience 
to CEFCU members and each is optional  . If you have executed a 
Credit Card ATP Program request or an ALC Program transfer 
authorization, you have authorized and directed CEFCU to make 
transfers in accordance with that request . It is understood that 
if you have executed a Credit Card ATP Program request or an 
ALC Program transfer authorization, unless your participation in 
either Program has been terminated in accordance with the terms 
of that Program, the request or authorization will remain in full 
force and effect until you cancel the request or authorization by 
written notice to CEFCU at least three (3) business days prior to 
the next scheduled transfer date . 
� Payment by automated means using a Money Center 24� ATM, 
Fast Track Teller, or the Touch-Tone Teller Program; or, you may 
use the CEFCU On-Line� Program or Mobile Banking Program 
for either (1) an internal transfer from your CEFCU Savings, My 
Use, Holiday Saver, Checking, or Insured Money Market Account 
to your CEFCU credit card account, or (2) an external transfer,  11 12from an account you hold at another financial institution to your 
CEFCU credit card account (subject to the terms and availability 
at the other financial institution) . 
� Payment by transfer you authorize CEFCU to make from your 
CEFCU Savings, My Use, Holiday Saver, Checking, or Insured 
Money Market Account pursuant to a telephone request you make 
for a specific transfer by calling 1 .800 .633 .7077 or 309 .633 .7000 . 
� Payment by Tel-Entry transaction (ACH transfer from an account 
at another institution), subject to the terms and availability at the 
other financial institution . 
� Payment by your online debit from your account at another 
financial institution, subject to the terms and availability at the 
other financial institution . 
� Payment by Auto Pay debit from your account at another 
financial institution (subject to the terms and availability at the 
other financial institution) each month on the Payment Due Date 
for: (i) the current month�s Minimum Payment due; (ii) the full 
Balance; or, (iii) a fixed payment amount . If you select this Auto 
Pay option, there is an additional Auto Pay service authorization 
form that you will need to request, sign and return to us before 
we can process payments automatically  . If you select this Auto Pay 
option, you agree to pay CEFCU�s applicable Auto Pay fee, if any  . 
Y ou may notify us in accordance with the terms of this form if you 
wish to revoke your authorization for Auto Pay  .
Crediting Payments
A payment made by mail, by telephone transfer, or by electronic 
means will, if received by 5:00 p .m . (CT), be credited to your account 
as of the calendar day it is received; a payment made in person at a 
CEFCU office with the direct assistance of or to a CEFCU employee 
will, if made before the close of business of that office, be credited 
to your account on the calendar day made; and, a payment made 
using the Credit Card ATP Program or the ALC Program will be 
credited to your account on the date of the transfer  . A payment made 
by mail must be sent by first class mail postage prepaid to the address 
specified in your periodic statement and only checks or money 
orders should be sent by mail . Payments made by mail or in person 
at a CEFCU office must be accompanied by the specified detachable 
portion of your statement or a separate writing setting forth your 
name and correct Credit Card Account Number  . All payments must 
be made in U .S . Dollars . A payment made by mail at an address 
other than the address specified in your periodic statement and/or 
a payment made that does not otherwise conform to the foregoing 
requirements that is accepted by us may result in a delay in crediting 
your account, but in no event more than five (5) days from the 
date of receipt, and may subject you to additional interest and Late 
Payment Fees . A payment made by any of the methods stated in 
the �Making Payments� section of this agreement will result in an 
increase to your available credit within two Business Days after the 
date your payment is credited to your account . For purposes of this 
section, Business Days means Monday through Friday (except for  13days our offices are not open and except for Christmas Eve Day) . The 
closing date of the billing cycle is referred to as the �Statement Date� 
and will be specified on your statement . All Payments, Credits, Cash 
Advances, and Purchases made after the Statement Date will appear 
on your next statement .
INTEREST CHARGES
The Conditions Under Which Interest Charges  
Will be Imposed
Cash Advances/Convenience Checks . We will begin charging 
interest on Cash Advances on the transaction date, unless the Cash 
Advance transaction is not posted to your account until a date in 
a billing cycle beginning after the billing cycle in which the Cash 
Advance transaction occurred, and, in that event, interest will be 
imposed from the first day of the billing cycle in which the Cash 
Advance transaction is posted to your account, and will continue 
until the date payment is received by CEFCU  . Any Cash Advance 
you obtain on your account and any transaction by which you 
purchase items that are directly convertible to cash will constitute 
Cash Advances . Examples of such transactions are the purchase of 
money orders, wire transfer money orders, casino gaming chips, 
opening deposits, traveler�s checks, and foreign currency  . Unless 
otherwise provided in a written notice from CEFCU to you sent 
with the Convenience Check issued on or after July 1, 2014, all 
Convenience Check transactions are considered Cash Advances . 
There is no time period within which to avoid this interest charge  .
Purchases and Balance Transfers . Y our due date is at least 25 days 
after the close of each billing cycle  . We will not charge you any 
interest on Purchases and Balance Transfers if you pay your entire 
balance by the due date each month . If you do not pay your entire 
balance by the due date, interest will be imposed from the date the 
Purchase or Balance Transfer transaction occurs, unless the Purchase 
or Balance Transfer transaction is not posted to your account until a 
later billing cycle in which event interest on that Purchase or Balance 
Transfer will be imposed from the first day of the billing cycle in 
which it is posted to your account, and will continue until the date 
payment is received by CEFCU . Interest charge will also be imposed 
on Purchases and Balance Transfers included in the New Balance 
when the New Balance is not paid in full within 25 days after the 
Statement Date .
The Method Of Determining The Balance Subject  
To Interest Rate
Interest charge will be imposed on the � Average Daily Balance� of 
Cash Advances, the � Average Daily Balance� of Balance Transfers 
and the � Average Daily Balance� of Purchases on your account, 
including current transactions (those occurring since your last 
billing statement) . We figure the interest charge on your account 
by applying the periodic rate to the � Average Daily Balance� of 
your account (including current transactions) . To get the � Average  14 13Daily Balance� for Purchases, for Balance Transfers and for Cash 
Advances, separately, we take the beginning balance of Purchases, 
the beginning balance of Balance Transfers and the beginning 
balance of Cash Advances on your account each day, add any 
new Purchases occurring on that day, any new Balance Transfers 
occurring on that day, and any new Cash Advances occurring that 
day, and subtract any Payments, Credits, unpaid interest charges, and 
any unpaid Fees . In determining the balance of Purchases on your 
account each day, any Purchase that occurred in a prior billing cycle 
but was not posted to your account until a subsequent billing cycle 
will be included in the Purchases balance starting with the first day 
of the billing cycle in which that Purchase is posted to your account . 
In determining the balance of Balance Transfers on your account 
each day, any Balance Transfer that occurred in a prior billing cycle 
but was not posted to your account until a subsequent billing cycle 
will be included in the Balance Transfers balance starting with the 
first day of the billing cycle in which that Balance Transfer is posted 
to your account . In determining the balance of Cash Advances on 
your account, any Cash Advance that occurred in a prior billing 
cycle but was not posted to your account until a subsequent billing 
cycle will be included in the Cash Advances balance starting with 
the first day of the billing cycle in which that Cash Advance was 
posted to your account . For any special promotional offers then in 
effect, we figure the portion of the interest charge on your account 
attributable to the special promotional offer by applying the periodic 
rate for the special promotional offer to the � Average Daily Balance� 
of the special promotional offer . To get the � Average Daily Balance� 
for any special promotional offer we take the beginning balance 
for the special promotional offer on each day, add any new special 
promotional offer transactions occurring that day, and subtract any 
payment or credit applied to the special promotional offer on that 
day . In determining the balance of any special promotional offer on 
each day, any special promotional offer transaction that occurred 
in a prior billing cycle but was not posted to your account until a 
subsequent billing cycle will be included in the special promotional 
offer balance starting with the first day of the billing cycle in which 
that special promotional offer transaction was posted to your 
account . This gives us the daily balance for Purchases, the daily 
balance for Balance Transfers, the daily balance for Cash Advances 
(credit balances are considered to be $0) and the daily balance for 
special promotional offers . Then, all the daily balances for the billing 
cycle are added separately for Purchases, for Balance Transfers, 
for Cash Advances and for special promotional offers and each is 
divided by the total number of days in the billing cycle  . This gives 
us the � Average Daily Balance� for Purchases, Balance Transfers, 
Cash Advances and special promotional offers for the billing 
cycle . When the same Monthly Periodic Rate and corresponding 
ANNUAL PERCENTAGE RATE  applies to more than one type of 
transaction, a single computation for the types of transaction with 
the same Monthly Periodic Rate and corresponding ANNUAL 
PERCENTAGE RATE  will be made . 14 15The Method Of Determining The Amount  
Of The Interest Charge
Interest charge  will be computed separately for Purchases, Balance 
Transfers and for Cash Advances by applying the Monthly Periodic 
Rate for Purchases to the � Average Daily Balance� of Purchases, the 
Monthly Periodic Rate for Balance Transfers to the � Average Daily 
Balance� of Balance Transfers and the Monthly Periodic Rate for 
Cash Advances to the � Average Daily Balance� of Cash Advances . 
The Monthly Periodic Rate will be a V ARIABLE PERIODIC RATE . 
The V ARIABLE PERIODIC RATE is determined in part by the 
�Prime Rate� and in part by a �Margin�  . The �Prime Rate� means the 
�Prime Rate� as published under �Money Rates� in The Wall Street 
Journal  on the computation dates . The computation dates will be 
December 1, March 1, June 1, and September 1 (or if such dates do 
not fall on a Business Day, the first publication day thereafter) . The 
�Margin� means certain percentage points . The �Margin� will differ 
for Purchases, for Balance Transfers and for Cash Advances and are 
based on your creditworthiness . The initial Monthly Periodic Rate 
and corresponding ANNUAL PERCENTAGE RATE  for Purchases, 
the initial Monthly Periodic Rate and corresponding ANNUAL 
PERCENTAGE RATE  for Balance Transfers, and the initial Monthly 
Periodic Rate and corresponding ANNUAL PERCENTAGE RATE 
for Cash Advances for your account and the �Margin� for Purchases, 
the �Margin� for Balance Transfers, and the �Margin� for Cash 
Advances for your account are disclosed in the Account-Opening 
Disclosure Statement accompanying this agreement which is 
incorporated by reference and made a part of this agreement by this 
reference thereto . That �Margin� for Purchases, that �Margin� for 
Balance Transfers and that �Margin� for Cash Advances will apply to 
your account on each computation date thereafter  . The V ARIABLE 
PERIODIC RATE for Purchases will be revised quarterly on the 
computation dates and will be the sum of the �Prime Rate� on each 
computation date plus the �Margin� for Purchases . The V ARIABLE 
PERIODIC RATE for Balance Transfers will be revised quarterly on 
the computation dates and will be the sum of the �Prime Rate� on 
each computation date plus the �Margin� for Balance Transfers . The 
V ARIABLE PERIODIC RATE for Cash Advances will be revised 
quarterly on the computation dates and will be the sum of the 
�Prime Rate� on each computation date plus the �Margin� for Cash 
Advances . The Monthly Periodic Rate and corresponding ANNUAL 
PERCENTAGE RATE  current as of each monthly account statement 
and the �Margin� for Purchases, the �Margin� for Balance Transfers 
and the �Margin� for Cash Advances are disclosed on your monthly 
account statement . An increase in the Prime Rate may result in an 
increase in the Monthly Periodic Rate and corresponding ANNUAL 
PERCENTAGE RATE  for your account . A decrease in the Prime 
Rate may result in a decrease in the Monthly Periodic Rate and 
corresponding ANNUAL PERCENTAGE RATE  for your account . 
If a change in the Prime Rate occurs on a computation date, the 
new V ARIABLE PERIODIC RATES will apply to the � Average Daily 
Balance� of Purchases, to the � Average Daily Balance� of Balance 
Transfers and to the � Average Daily Balance� of Cash Advances 
as calculated on your statement billed on or after the first day of  16the quarter following the computation date  . For purposes of this 
agreement, the quarters begin on the first day of January, April, July 
and October . The V ARIABLE PERIODIC RATES are divided by 12 
to determine the �Monthly Periodic Rate�  .
If the Monthly Periodic Rate increases, you will pay more in interest 
charges than had it not increased and both the number of minimum 
monthly payments required to pay the account balance and the 
amount of each minimum monthly payment may increase  . The 
Monthly Periodic Rate for Purchases, for Balance Transfers and for 
Cash Advances will never be greater than the lesser of (1) 2.49917% 
(corresponding ANNUAL PERCENTAGE RATE  is 29.99% ) or (2) 
the maximum rate permitted by applicable law  . 
MINIMUM INTEREST CHARGE
If interest charges are being added to your account, but the total 
of such interest charges for Purchases, Balance Transfers and Cash 
Advances is less than $ .50, we assess a minimum interest charge of 
$ .50 . If more than one type of transaction is assessed an interest 
charge, we add the minimum interest charge to any such transaction 
at our discretion . 
INCREASED PENALTY  
ANNUAL PERCENTAGE RATE
If you fail to make a payment equal to or greater than the Minimum 
Payment due on your statement within sixty (60) days after the 
Payment Due Date for that payment, the ANNUAL PERCENTAGE 
RATE  for Purchases will be computed by adding 17 .75% to the 
�Prime Rate� if you have a CEFCU MasterCard and 18 .75% to 
the �Prime Rate� if you have a CEFCU Rewards MasterCard or 
CEFCU World MasterCard, the ANNUAL PERCENTAGE RATE 
for Balance Transfers will be computed by adding 17 .75% to the 
�Prime Rate� if you have a CEFCU MasterCard and 18 .75% to 
the �Prime Rate� if you have a CEFCU Rewards MasterCard or 
CEFCU World MasterCard, and the ANNUAL PERCENTAGE 
RATE  for Cash Advances will be computed by adding 20 .75% to 
the �Prime Rate� if you have a CEFCU MasterCard and 21 .75% 
to the �Prime Rate� if you have a CEFCU Rewards MasterCard or 
CEFCU World MasterCard and will be effective on the �effective 
date .� The �effective date� will be 45-60 days after you are provided 
written notice sent after the Minimum Payment is more than 60 
days late . These ANNUAL PERCENTAGE RATES  will terminate 
not later than six (6) months after the �effective date� if you make the 
Minimum Payment due on your monthly statements on or before 
the Payment Due Dates during that period  . If you do not make 
the Minimum Payments due on your monthly statements on or 
before the Payment Due Dates during that period, these ANNUAL 
PERCENTAGE RATES  will remain in effect until you have made 
six (6) consecutive payments equal to or greater than the Minimum  17Payment due on your monthly statements on or before the Payment 
Due Dates on your monthly statements . After the rates are no longer 
in effect, the Monthly Periodic Rates and corresponding ANNUAL 
PERCENTAGE RATES  will be changed to the then applicable rates 
as determined by this agreement . The increased penalty Monthly 
Periodic Rate for Purchases, the increased penalty Monthly Periodic 
Rate for Balance Transfers and the increased penalty Monthly 
Periodic Rate for Cash Advances will never be greater than the lesser 
of (1) 2 .49917% (corresponding ANNUAL PERCENTAGE RATE  is 
29 .99%) or (2) the maximum rate permitted by applicable law  . 
ACCOUNT FEES
Late Payment Fee 
Y ou agree to pay CEFCU a Late Payment Fee of the lesser of $25 .00 
or the amount of the Minimum Payment due immediately prior to 
the assessment of the Late Payment Fee if a payment equal to or 
greater than the Minimum Payment due on your monthly statement 
is not made on or before the Statement Date following the Payment 
Due Date on your monthly statement . Only one Late Payment Fee 
will be imposed for any one overdue payment .
Foreign Transaction Fee 
If you use your Card for an international transaction which is defined 
as a transaction where the country in which the transaction was 
completed i .e ., location of the merchant, ATM, financial institution 
or business, is other than the United States, Puerto Rico and the 
U .S . Virgin Islands, even if the transaction currency is the U  .S . 
Dollar, you agree to pay CEFCU a Foreign Transaction Fee (�FTF�) 
of 1% of the amount of each transaction . The FTF will apply to  
all international purchases, credit vouchers, and Cash Advances  
and reversal transactions . (The FTF does not apply to World 
MasterCard accounts .)
Cash Advance Fee
Y ou agree to pay CEFCU a fee of $1 .00 for each advance if you 
use your Card and PIN to obtain a Cash Advance at a non-Money 
Center 24 ATM .
Overdraft Transfer Fee
Y ou agree to pay CEFCU a fee of $8 .00 for each overdraft transfer 
made from your account to your CEFCU Checking Account .  
Copy Request Fee 
Y ou agree to pay CEFCU a fee of $2 .00 for each copy of a monthly 
statement, a sales draft, a Cash Advance receipt, or a Convenience 
Check you request unaccompanied by an allegation of error  .
Returned Convenience Check Fee
Y ou agree to pay CEFCU a fee of the lesser of $25 .00 or the amount 
of the Convenience Check for each Convenience Check presented to 
CEFCU for payment which CEFCU does not pay  . 17 18Returned Payment Check Fee
Y ou agree to pay CEFCU a fee of the lesser of $25 .00 or the amount 
of the Minimum Payment due immediately prior to the date on 
which the payment is returned to us for each payment you present 
to CEFCU by personal check, to make a payment on your account 
that is returned unpaid .
ACH Returned Payment Fee 
Y ou agree to pay CEFCU a fee of the lesser of $25 .00 or the amount 
of the Minimum Payment due immediately prior to the date on 
which the payment is returned to us for each payment made on your 
account by ACH transfer from an account at another institution or 
other electronic means originated by you that is returned unpaid  .
Convenience Check Stop Payment Fee
Y ou agree to pay CEFCU a fee of the lesser of $25 .00 or the amount 
of the Convenience Check for each Convenience Check on which 
you stop payment .
Balance Transfer Stop Payment Fee
Y ou agree to pay CEFCU a fee of the lesser of $25 .00 or the amount 
of the Balance Transfer payment for each Balance Transfer payment 
drawn on your account at your request on which you stop payment .
ACH Origination Tel-Entry Return Fee
Y ou agree to pay CEFCU a fee of the lesser of $25 .00 or the amount of 
the Minimum Payment due immediately prior to the date on which 
the payment is returned to us for each ACH origination Tel-Entry 
(ACH transfer from an account at another financial institution) to 
make a payment on your account that is returned unpaid  .
Auto Pay Return Fee
Y ou agree to pay CEFCU a fee of the lesser of $25 .00 or the amount 
of the Minimum Payment due immediately prior to the date on 
which the payment is returned to us for each debit to your Savings or 
Checking account at another financial institution to make a payment 
on your account that is returned unpaid  .
DEFAULT/COLLECTION
We may close your account and require you to return your Card and 
to pay your total obligations immediately and without prior notice 
if CEFCU is served with any garnishment, attachment, execution or 
other process is issued against you, or in the event of your death, 
insolvency or bankruptcy; or if you fail to honor any term of this 
agreement, including failing to make any payment when it is due or 
using the Card or account for an illegal purpose or transaction . If 
we require the services of a third party to collect the obligations you 
owe to us, or to retrieve the Card or Convenience Checks from you, 
we may add the cost of these services to your obligations and you 
agree that you will pay us all of these costs relating to the collection 
or retrieval which we may incur, including reasonable attorneys� fees  19and legal expenses . Interest charges shall continue to accrue until the 
principal balance is paid in full .
CLOSING YOUR ACCOUNT
Y ou can cancel this agreement and close your account at any time by 
advising us in writing . Except as otherwise prohibited by law, we may 
cancel, suspend, or not renew your account or otherwise withdraw 
your rights with respect to the account for any reason, at any time, 
without notice to you . If you cancel this agreement or if we withdraw 
your rights, we may require you to immediately pay all obligations 
and destroy the Card and any Convenience Checks or other means 
to access your account or return them to us upon request . Y ou 
will continue to be responsible for charges to your account even if 
they are made or processed after you cancel this agreement or we 
withdraw your rights . Until you pay us the obligations in full, this 
agreement will remain in effect .
NOTICES/CHANGES OF  
INFORMATION RELATING TO YOU
We will send Cards, account statements and other notices to you at 
the most current mailing address shown in our files . If you change 
your name, address, or other information that we may need to keep 
our records up to date, you will promptly tell us in writing, or by any 
other means which we may permit .
CHANGING THIS AGREEMENT
We may change this agreement at any time  . The amendment may 
change the rates, charges, fees, or other terms of this agreement and 
can, to the extent the law permits, and indicated in the notice to 
you, apply to all outstanding unpaid indebtedness and to any future 
transactions on your account . We may add or delete any term of 
this agreement . If required by law, we will give you advance written 
notice of the change(s) and a right to reject the change(s) . Notice of 
an amendment will, except as otherwise required by law, be given 
to you at least fifteen (15) calendar days before the effective date of 
the amendment . Notice of the amendment may, except as otherwise 
required by law, be given in The Teller,  or other similar, regular 
member communication sent to you, by notice in any flyer sent to 
you, whether individually or with monthly statements, by including 
same on any monthly statement sent to you or by any combination 
of the foregoing . 20 19TELEPHONE MONITORING AND RECORDING
We, and if applicable, our agents, may listen to and record your 
telephone calls with us for our mutual protection and to confirm 
our discussions and agreements with you  . Y ou agree that we, and 
if applicable, our agents, may do so, whether you or we initiate the 
telephone call .
CEFCU CURewards� P ROGRAM
If you enroll in the CEFCU CURewards� Program (�Program�) 
and are issued a CEFCU Rewards MasterCard or CEFCU World 
MasterCard, your Card allows you to earn points which can be 
redeemed for merchandise, travel opportunities and other rewards . 
The CEFCU Rewards MasterCard or World MasterCard Rewards 
Guide (�Guide�) contains the Program rules and conditions of your 
participation in the Program . The Program and Guide are subject to 
change from time to time, without notice to you  . The current Guide 
is available at any CEFCU Member Center or can be requested by 
contacting CEFCU .
QUESTIONS OR CONCERNS  
ABOUT YOUR ACCOUNT
If you have a question or concern about your account, please contact 
us by telephone toll-free at: 1 .800 .633 .7077 or at 309 .633 .7000 .
YOUR PERSONAL INFORMATION
Y ou agree that CEFCU may release personal data and information 
concerning you to MasterCard International, the members of 
MasterCard International, or their respective contractors for the 
purpose of providing Emergency Cash and Emergency Card 
replacement services and to credit reporting agencies, to the extent 
not otherwise prohibited by Federal or State law  .
Y ou agree that CEFCU may release personal data and information 
concerning you, your account and transactions on your account 
to its contractors and/or service providers as necessary to effect, 
administer or enforce a transaction on your account that you 
requested or authorized and/or in connection with maintaining or 
servicing your account and/or to the extent permitted or required 
by Federal or State law .
ENFORCING THIS AGREEMENT
We can delay enforcing or not enforce any of our rights under this 
agreement without losing our right to enforce them in the future  . If 
any of the terms of this agreement are found to be unenforceable, all 
other terms will remain in full force  . 20 21ASSIGNMENT
We may transfer any or all of our rights under this agreement, by 
way of assignment, sale or otherwise  . If we do, we may disclose 
your personal information and other information concerning your 
account to anyone to whom we transfer our rights . Y ou consent to us 
sharing your personal information in this manner  .
GOVERNING LAW
This agreement is made in Peoria, Illinois and will be governed by 
and interpreted in accordance with the laws of the State of Illinois 
and the Federal laws applicable therein, without regard to conflict 
of laws provisions . Y ou agree that Peoria, Illinois is the appropriate 
jurisdiction for all actions brought by you or by us in respect to 
this agreement and the relationship contemplated herein . Y ou 
also agree that it is appropriate for us to commence an action in  
Peoria, Illinois in respect of the recovery of amounts due pursuant 
to this agreement .
YOUR BILLING RIGHTS
Keep This Notice 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:
  CEFCU
  P .O . Box 1715
  Peoria, Il 61656-1715
In your letter, give us the following information:
� Account information:  Y our 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 .
Y ou must contact us:
� Within 60 days after the error appeared on your statement .
� At least 3 business days before an automated payment is 
scheduled, if you want to stop payment on the amount you 
think is wrong .
Y ou must notify us of any potential errors in writing  . Y our written 
notice of a billing error must be submitted on something other than 
your payment coupon . Y ou may call us, but if you do we are not  22required 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:
� If we made a mistake:  Y ou 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:  Y ou 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  . 23 22To 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 . Y ou 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 .  Y ou 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: 
  CEFCU
  P .O . Box 1715
  Peoria, Il 61656-1715
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 .
HELP US DO OUR BEST TO  
PREVENT CREDIT CARD CRIME
Report your lost or stolen Credit Card(s) to us immediately, call 
1 .800 .633 .7077 or 309 .633 .7000 . Please call or stop by a CEFCU 
Member Center to report any unauthorized use  . If you cannot do 
either, write to:
  CEFCU
  P .O . Box 1715
  Peoria, Il 61656-1715
Please Retain This Copy of Y our Agreement For Future Reference.
SPECIAL RULES FOR  
CALIFORNIA RESIDENTS
If you are a California resident, our right to recover any credit 
extended through the use of your Credit Card in making purchases 
from a retailer is subject to good faith defenses which you have 
properly asserted as a buyer under California law against the retailer 
from whom you made the purchases if: (a) the purchase price of 
the item as to which a defense is asserted exceeds $50 .00; (b) the 
purchase was made within the State of California; (c) you have made 
a written demand upon the retailer with respect to the purchase and  23 24attempted in good faith to obtain reasonable satisfaction from the 
retailer, and (d) you give us written notice specifying the retailer, the 
date of purchase, the purchase price, the goods or services purchased, 
the nature of your defense with respect to the transaction, as well as 
the action which you have taken in attempting to obtain satisfaction 
from the retailer .
ATM Safety Tips
Use these safety tips and your common sense to help protect yourself 
and your CEFCU account(s) when using an ATM .
� Have your card in hand before you approach an ATM . Choose 
only well-lit ATMs, and park close to the machine  . Always have 
someone accompany you when using an ATM at night .
� Memorize your Personal Identification Number (PIN), and never 
write it on your card, keep it in your wallet, or reveal it to anyone  .
� Be aware of anything suspicious � trust your instincts . If 
something doesn�t look right on the machine or you feel 
uncomfortable, cancel your transaction immediately and leave  .
� Don�t agree to cash or deposit a check for anyone � even someone 
you know .
� Keep your car doors locked and engine running when using a 
drive-up ATM . Be sure all windows, except your own, are closed  .
� Pocket your money immediately and keep the receipt . Then verify 
your transaction privately as soon as you can, and then destroy 
the receipt after verifying it with your monthly statement .
� Never open a locked door for anyone you don�t know  
if using a machine in a facility that requires your card for access .
� Report any crimes immediately to the police, CEFCU, and the 
ATM owner .
If your CEFCU Debit Card or CEFCU Credit Card is lost or stolen, 
report it to CEFCU immediately at 1 .800 .633 .7077 .
07/01/2014