CONSUMER 
CREDIT CARD 
AGREEMENT 
AND 
DISCLOSURE 

VISA TITANIUM/VISA CLASSIC 

This Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other Account 
opening documents or any subsequent documents provided to You related to this Account (hereinafter collectively referred 
to as “Agreement”) govern the terms and conditions of this Account. “We,” “Us,” “Our” and “Ours” and “Credit Union” refers 
to Michigan Schools and Government Credit Union with which this Agreement is made. “You,” “Your,” and “Yours” refers to 
each applicant and co-applicant for the Account; any person responsible for paying the Account; and anyone You authorize 
to  use,  access  or  service  the  Account.  "Card"  means  the  Visa®  credit  card  and  any  other  access  devices,  duplicates, 
renewals, or substitutions, the Credit Union issues to You. "Account" means the line of credit established by this Agreement 
and includes Your Card.    

SECURITY INTEREST 

You grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights 
the Credit Union may have in any goods You purchase. 

If You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares 
will secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account 
until the Credit Union agrees to release all or part of the pledged amount. 

You grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now 
and in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that 
would lose special tax treatment under state or federal law if given as security are not subject to the security 
interest You have given in Your shares and deposits. You may withdraw these other shares unless You are in 
default. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due. 
For example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay 
any or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any 
periods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a 
covered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when You were 
not a covered borrower; or (ii) You cease to be a covered borrower. 

Unless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union 
may also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding 
anything to the contrary in any other Agreement. 

1.  USING YOUR ACCOUNT — By using the Account or keeping the Card, You agree to the terms of this Agreement. You 
agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful transactions. 
2.  CREDIT LIMIT — We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You 
exceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts due 
to  finance  charges,  fees  or  other  charges.  You  may  request  a  credit  limit  increase  on  Your  Account  only  by  a  method 
acceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or terminate 
Your Account at any time for any reason permitted by law. 
3.  REPAYMENT — You promise to repay all amounts You owe under this Agreement. Your promise to repay includes all 
transactions made to Your Account by You or anyone You authorize to use Your Account as well as all interest charges 
and fees. 
For each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date. 
The Minimum Payment Due is 2.50% of Your total New Balance, or $25.00, whichever is greater, plus any amount past due 
and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than $25.00, 
then Your Minimum Payment Due is the amount of the total New Balance.  

© CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved 

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You may pay more frequently, pay more than the Minimum Payment Due or pay the total New Balance in full. 
If You make extra or larger payments, You are still required to make at least the Minimum Payment Due each month Your 
Account has a balance (other than a credit balance). The Credit Union may delay replenishing Your credit limit until the date 
the payment is posted or the Credit Union confirms the payment has cleared.    
Your payment of the required Minimum Payment Due may be applied to what You owe the Credit Union in any manner the 
Credit Union chooses, as permitted by applicable law. If You make a payment in excess of the required Minimum Payment 
Due, the Credit Union will allocate the excess amount first to the balance with the highest annual percentage rate (“APR”) 
and any remaining portion to the other balances in descending order based on applicable APR, unless otherwise prescribed 
by applicable law. We may accept checks marked "payment in full" or with words of similar effect without losing any of Our 
rights to collect the full balance of Your Account with Us.  
4. 
INTEREST AND FINANCE CHARGES — We will begin charging You interest on purchases on the date the transaction 
is posted to Your Account. We will begin charging You interest on cash advances and balance transfers on the date of the 
transaction  or  the  first  day  of  the  billing  cycle  in  which  the  transaction  is  posted  to  Your  Account,  whichever  is  later 
(transaction date). However, We will not charge You any interest on new purchases if Your Account had a zero or credit 
balance at the beginning of that billing cycle, or You paid the entire new balance on the previous cycle's billing statement 
by the Payment Due Date of that statement. To avoid an additional finance charge on the balance of purchases, You must 
pay the entire new balance on the billing statement by the Payment Due Date of that statement. 
How We Calculate Your Balance: 
Interest  charges  on  Your  Account  are  calculated  separately  for  purchases,  balance  transfers  and  cash  advances 
(“Transaction  Type”).  We  figure  the  interest  charge  for  each  Transaction  Type  by  applying  the  periodic  rate  to  each 
corresponding “average daily balance.” To get the “average daily balance” for a Transaction Type We take the beginning 
balance for that Transaction Type each day, add any new transactions of that type, and subtract any unpaid interest or other 
finance charges and any applicable payments or credits. This gives Us the daily balance for each Transaction Type. Then, 
for each Transaction Type, We add up all the daily balances for the billing cycle and divide each total by the number of days 
in the billing cycle. This gives Us the “average daily balance” for each Transaction Type. 
5.  FEES — In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to Your Account, 
the fee amounts and explanations are disclosed on the Account Opening Disclosure accompanying this Agreement.  
6.  FOREIGN TRANSACTIONS — Purchases and cash advances made in foreign currencies will be debited from Your 
Account in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing 
international transactions is a rate selected by Visa from a 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 the government-mandated rate 
in effect for the applicable central processing date. The exchange rate used on the processing date may differ from the rate 
that would have been used on the purchase date or cardholder statement posting date. 
A fee (finance charge) will be charged on all transactions completed in a foreign currency. All fees are calculated based on 
the transaction amount after it is converted to U.S. dollars. These fees are charged except where excluded. The Foreign 
Transaction Fee is set forth on the Disclosure accompanying this Agreement.  
7.  AUTHORIZATIONS — We do not guarantee authorization of a transaction, either by Us or by a third party, even if You 
have sufficient credit available. You agree that We will not be liable for failing to give an authorization. We also reserve the 
right to limit the number of transactions that may be approved in one day. We reserve the right to deny certain transactions 
for any reason and at Our sole discretion, including for default, suspected fraudulent or unlawful activity, internet gambling 
or any indication of increased risk related to the transaction or the Account. You agree that We have no requirement to 
notify You of the specific reason We denied a transaction. If We detect unusual or suspicious activity, We may suspend 
Your credit privileges until We can verify the activity, or We may close the Account. 
8.  PREAUTHORIZED CHARGES — If You default, if the Card is lost or stolen, or We change the Account for any reason, 
We may suspend automatic charges with third party vendors. If preauthorized charges are suspended, You are responsible 
for making direct payment for such charges until You contact the third party to reinstate the automatic charges. 
9.  DEFAULT — You will be in default under this Agreement if You fail to pay the Minimum Payment Due by its Payment 
Due Date; pay by a check or similar instrument that is not honored or that We must return because it cannot be processed; 
pay by automatic debit that is returned unpaid; make any false or misleading statements in any credit application or credit 
update; file for bankruptcy; or die. You will also be in default if You fail to comply with the terms of this Agreement or any 
other Agreement You have with Us.  
If You default, We may close Your Account and require You to pay any unpaid balance immediately, subject to applicable 
law. In this Agreement and on Your Credit Card Application, You gave Us a security interest in all individual or joint share 
and/or deposit accounts with the Credit Union and authorized Us, if You defaulted, to apply the balance in these accounts 
to any amounts due. You agree We may rely on Your agreement and authorization to, upon Your default, apply any balance 
to any amounts due on Your Account.   

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10.  LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION — If You notice the loss or theft of 
Your credit card or a possible unauthorized use of Your Card, You should write to Us immediately at 40400 Garfield Rd, 
Clinton Township, MI, 48038 or call Us at (586) 263-8800, Monday through Friday 9:00 a.m. to 5:00 p.m. Eastern Time or 
(586) 263-8800, Saturday 9:00 a.m. to 1:00 p.m. Eastern Time or (800) 991-4965, seven days a week 24 hours a day.   
You will not be liable for any unauthorized use that occurs after You notify Us. You may, however, be liable for unauthorized 
use that occurs before Your notice to Us. You will have no liability for unauthorized use unless You are found to be fraudulent 
or negligent in the handling of Your Account or Card. In any case, Your liability for unauthorized transactions will not exceed 
$50. 
11.  CHANGING OR TERMINATING YOUR ACCOUNT — As permitted by law, the Credit Union may change the terms of 
this  Agreement  and  any  attached  Disclosure  from  time  to  time.  Notice  of  any  change  will  be  given  in  accordance  with 
applicable law. To the extent permitted by law, changes to the Agreement may apply to Your existing account balance as 
well as to future transactions.  
Arizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents - Either 
You, Your spouse or the Credit Union may terminate this Agreement at any time, but termination by You, Your spouse or 
the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges You or Your 
spouse owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You owe 
under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card or 
Cards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all 
Cards upon request or upon termination of this Agreement whether by You or the Credit Union.  
Residents of all other states - Either You or the Credit Union may terminate this Agreement at any time, but termination 
by You or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges 
You owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You owe 
under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card or 
Cards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all 
Cards upon request or upon termination of this Agreement whether by You or the Credit Union. 
12.  AUTHORIZED USERS — Upon Your request, We may issue additional Cards for authorized users that You designate. 
You must notify Us in writing of any termination of an authorized user's right to access Your Account. Your notice must 
include the name of the authorized user and Your Account number and/or any subaccount number issued to the authorized 
user along with the authorized user's Card and any convenience or other access checks issued to the authorized user. If 
You cannot return the authorized user's Card or access checks and if You request Your Account to be closed, We will close 
Your Account and You may apply for a new Account. Alternatively, We may, at Our sole discretion, issue You a new Account 
number and a new Card. 
13.  CREDIT REPORTS AND NOTICE OF NEGATIVE INFORMATION — You authorize the Credit Union to obtain credit 
reports and any other information We may need to verify Your identity and use of the Account when opening Your Account 
and for any update, increase, renewal, extension, collection or review of Your Account. You authorize the Credit Union to 
disclose information regarding Your Account to credit bureaus and creditors who inquire about Your credit standing. We 
may report information about Your Account to credit bureaus. Late payments, missed payments, or other defaults on Your 
Account may be reflected on Your credit report. 
14.  JOINT ACCOUNTS — If this is a joint Account, each of You will be individually and jointly responsible for paying all 
amounts owed under this Agreement. This means that the Credit Union can require any one of You individually to repay the 
entire  amount  owed  under  this  Agreement.  Each  of  You  authorizes  the  other(s)  to  make  transactions  on  the  Account 
individually. Any one of You may terminate the Account and the termination will be effective as to all of You. 
15.  EFFECT OF AGREEMENT — This Agreement is the contract which applies to all transactions on Your Account even 
though the sales, cash advances, credit or other slips You sign or receive may contain different terms. 
16.  SEVERABILITY AND FINAL EXPRESSION — This Agreement is the final expression of the terms and conditions of 
Your Account. This written Agreement may not be contradicted by evidence of any alleged oral Agreement. Should any part 
of this Agreement be found to be invalid or unenforceable, all other parts of this Agreement shall remain in effect and fully 
enforceable to the fullest extent possible under this Agreement. 
17.  ILLEGAL TRANSACTIONS PROHIBITED — You agree that You will not use Your Card for any transaction, including 
any type of electronic gambling transaction through the Internet, that is illegal under applicable federal, state, or local law.  
Even  if  You  use  Your  Card  for  an  illegal  transaction,  You  will  be  responsible  for  all  amounts  and  charges  incurred  in 
connection with the transaction. This paragraph shall not be interpreted as permitting or authorizing any transaction that is 
illegal. 
18.  APPLICABLE LAW — The terms and enforcement of this Agreement shall be governed by federal law and the law of 
Michigan. 
19.  ENFORCING THIS AGREEMENT — We can delay in enforcing or fail to enforce any of Our rights under this Agreement 
without losing them. 

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20.  COLLECTION COSTS — If We refer collection of Your Account to a lawyer who is not Our salaried employee, You are 
liable for any reasonable attorney’s fees We incur, plus the costs and expenses of any legal action, as further disclosed on 
this Agreement, or to the extent allowed by law. 
21.  ASSIGNMENT — We may assign any or all of Our rights and obligations under this Agreement to a third party.   
22.  OVERDRAFT  PRIVILEGE  —  You  agree  that  if,  pursuant  to  any  overdraft  privilege  on  a  Credit  Union  Share  Draft 
Account, there is an overdraft of Your Share Draft Account, the amount of overdraft will be added to the outstanding balance 
on  Your  Visa  Credit  Card  Account,  subject  to  the  finance  charge  provisions  set  forth  in  “INTEREST  AND  FINANCE 
CHARGES” as described for cash advances, and will be subject to all terms and conditions of this Agreement. The Visa 
Credit Card Account must be current and not over the credit limit for funds to transfer to the Share Draft Account. Overdrafts 
are not allowed for the purpose of making loan payments, including Visa Credit Card payments, at the Credit Union, ATM 
or in-branch teller cash withdrawals. The Share Draft Account referred to herein is also subject to a separate agreement 
between You and the Credit Union. Where the terms of any other agreement between You and the Credit Union conflict 
with the terms of this Agreement, the terms of this Agreement will control. 
23.  CALIFORNIA RESIDENTS — A married applicant may apply for a separate Account. Applicants: 1) may, after credit 
approval, use the credit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to any joint 
applicant. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record may be 
submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.  
24.  FLORIDA RESIDENTS — You (borrower) agree that, should We obtain a judgment against You, a portion of 
Your disposable earnings may be attached or garnished (paid to Us by Your employer), as provided by Florida and 
Federal law. 
25.  MARYLAND RESIDENTS — To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your 
Card Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article. 
26.  MISSOURI RESIDENTS — Oral Agreements or commitments to loan money, extend credit or to forbear from 
enforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protect 
You (borrower(s)) and Us (creditor) from misunderstanding or disappointment, any Agreements We reach covering 
such  matters  are  contained  in  this  writing,  which  is  the  complete  and  exclusive  statement  of  the  Agreement 
between Us, except as We may later agree in writing to modify it.  
27.  NEW YORK RESIDENTS — We may obtain a credit report in connection with this Account, including for any review, 
modification, renewal or collections associated with this Account. Upon Your request, You will be informed whether such 
report was requested and, if so, the name and address of the consumer reporting agency furnishing the report. New York 
residents may contact the New York State Banking Department at 800.342.3736 or www.dfs.ny.gov to obtain a comparative 
listing of credit card rates, fees and grace periods.  
28.  OHIO RESIDENTS — The Ohio laws against discrimination require that all creditors make credit equally available to all 
creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. 
The Ohio Civil Rights Commission administers compliance with this law. 
29.  SOUTH DAKOTA RESIDENTS — If You believe there have been any improprieties in making this loan or in the lender’s 
loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre, SD 57501, 
or by phone at 605.773.3421. 
30.  WISCONSIN RESIDENTS — If You are married, please contact Us immediately upon receipt of this Agreement at the 
address or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are 
required to inform Your spouse that We have opened an Account for You. 
31.  NOTICE TO UTAH BORROWERS — This written Agreement is a final expression of the Agreement between You and 
the Credit Union. This written Agreement may not be contradicted by evidence of any oral Agreement. As required by law, 
You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit reporting 
agency if You fail to fulfill the terms of Your credit obligations. 
32.  THE FOLLOWING IS REQUIRED BY VERMONT LAW — NOTICE TO CO-SIGNER — YOUR SIGNATURE ON THIS 
NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES 
NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. 

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Your Billing Rights: Keep this Document for Future Use 
This notice tells You about Your rights and Our responsibilities under the Fair Credit Billing Act. 

What To Do If You Find A Mistake On Your Statement   
If You think there is an error on Your statement, write to Us at the address listed on Your statement. 
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. 

You must notify Us of any potential errors in writing or electronically. You may call Us, but if You do We are not required 
to investigate any potential errors and You may have to pay the amount in question. 
What Will Happen After We Receive Your Letter 
When We receive Your letter, We must do two things: 

1. Within 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if We have 

2. Within 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill is 

already corrected the error. 

correct.  

amount. 

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: You will not have to pay the amount in question or any interest or other fees related to that 

-  If We do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest 
and fees. We will send You a statement of the amount You owe and the date payment is due. We may then report You 
as delinquent if You do not pay the amount We think You owe.  

If You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You 
still refuse to pay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Your 
bill. We must tell You the name of anyone to whom We reported You as delinquent, and We must let those organizations 
know when the matter has been settled between Us. 
If We do not follow all of the rules above, You do not have to pay the first $50 of the amount You question even if Your bill 
is correct. 
Your Rights if You Are Dissatisfied With Your Credit Card Purchases 
If You are dissatisfied with the goods or services that You have purchased with Your credit card, and You have tried in good 
faith to correct the problem with the merchant, You may have the right not to pay the remaining amount due on the purchase. 
To use this right, all of the following must be true: 

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. (Note: Neither of these are necessary if Your purchase was based on 
an advertisement We mailed to You, or if We own the company that sold You the goods or services.) 

2. You must have used Your credit card for the purchase. Purchases made with cash advances from an ATM or with a 

check that accesses Your credit card Account do not qualify. 

3. You must not yet have fully paid for the purchase. 

If all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing or electronically at 
the address listed on Your statement. 
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. 

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