MASTERCARD ACCOUNT OPENING DISCLOSURE  
Card Type: ______________________ Credit Limit: ___________ 

Eglin Federal Credit Union

F1            

This Disclosure is incorporated into and becomes part of your LOANLINER® Consumer Credit Card Agreement. 
Please keep this attached to your LOANLINER Consumer Credit Card Agreement. 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 
APR for Balance Transfers 
APR for Cash Advances 
Penalty APR and When it Applies 
Paying Interest 

Minimum Interest Charge 
For Credit Card Tips from the Consumer 
Financial Protection Bureau 

F2             
F3             
F4             
None
F5             
Your due date is at least 24 days after the close of each billing cycle. 
We will not charge you any interest on purchases if you pay your entire 
balance by the due date each month. We will begin charging interest on 
balance transfers and cash advances on the transaction date.  
None
F6             
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 
-  Balance Transfer Fee 
-  Cash Advance Fee 
-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment Fee 
-  Over-the-Credit Limit Fee 
-  Returned Payment Fee 

None
F7             

None
F8             
None
F9             
1.10%
F10        of each transaction in U.S. dollars 

$20.00
Up to F11            
None
F12           
$28.00
Up to F13           

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See 
your account Agreement for more details. 

Billing  Rights:  Information  on  your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in  your 
account Agreement.  

OTHER DISCLOSURES 

Late Payment Fee 

Returned Payment Fee 

Statement Copy Fee 
Document Copy Fee 
Rush Fee 
Card Replacement Fee 

$20.00
F14        or the amount of the required minimum payment, whichever is 
less, if you are 12 or more days late in making a payment. 
$28.00
F15        or the amount of the required minimum payment, whichever is 
less. 
$1.00
F16        per page 
$1.00
F17        per page 
$35.00
F18        plus shipping charges 
$5.00
F19           

Periodic Rates: 
The Purchase APR is F20         which is a monthly periodic rate of F21         . 
The Balance Transfer APR is F22         which is a monthly periodic rate of F23         . 
The Cash Advance APR is F24         which is a monthly periodic rate of F25         . 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

00904672-MXC45-C-1-033117 (MXC453 CCM003)-e 

 
 
  
 
 
 
 
 
 
 
 
Eglin Platinum/Eglin Platinum Rewards 
CONSUMER CREDIT CARD AGREEMENT 

In  this  Agreement,  “Agreement”  means  this  Consumer  Credit  Card  Agreement.  “Disclosure”  means  the  Credit  Card 
Account Opening Disclosure. The Account Opening Disclosure is incorporated into this Consumer Credit Card Agreement 
and  is part of the  Agreement. In this  Agreement the  words "You," “Your,” and "Yours" mean each  and all  of those  who 
agree  to  be  bound  by  this  Agreement;  "Card"  means  the  MasterCard  credit  Card  and  any  duplicates,  renewals,  or 
substitutions the Credit Union issues to You; "Account" means Your MasterCard credit Card line-of-credit Account with the 
Credit Union; and "Credit Union" means the Credit Union whose name appears on this Agreement or anyone to whom the 
Credit Union transfers this Agreement. 
1.  USING YOUR  ACCOUNT — If You  are approved for an  Account, the Credit Union  will establish a line  of credit for 
You.  You  agree that  Your  credit  limit is the maximum amount (purchases, cash  advances, finance charges, plus "other 
charges") which You will have outstanding on Your Account at any time. Unless disclosed otherwise, the Credit Union will 
not allow advances over the credit limit. If the  Credit  Union has a  program whereby  it allows payment of advances that 
exceed  Your  credit  limit,  subject  to  a  fee,  the  Credit  Union  will  provide  You  with  notice,  either  orally,  in  writing,  or 
electronically (notwithstanding the requirements of the paragraph entitled “Statements and Notices”) explaining  Your right 
to opt in to the Credit Union’s program whereby it will honor advance requests over the credit limit. In the event You opt in 
to such a program, You agree to the terms of such a program. You may request an increase in Your credit limit only by a 
method acceptable to the Credit Union. The Credit Union may increase or decrease Your credit limit, refuse to make an 
advance and/or terminate Your Account at any time for any reason not prohibited by law  
2.  USING  YOUR  CARD  —  You  understand  that  the  use  of  Your  credit  Card  or  credit  Card  Account  will  constitute 
acknowledgement of receipt and Agreement to the terms of the Credit Card Agreement and Credit Card Account Opening 
Disclosure (Disclosure). You may use Your Card to make purchases from merchants and others who accept  Your Card. 
The Credit Union is not responsible for the refusal of any merchant or financial institution to honor Your Card. If You wish 
to  pay  for  goods  or  services  over  the  Internet,  or  by  telephone  You  may  be  required  to  provide  Card  number  security 
information before You will be permitted to complete the transaction. In addition, You may obtain cash advances from the 
Credit Union, from other financial institutions that accept  Your Card, and from some automated teller machines (ATMs). 
(Not  all  ATMs  accept  Your  Card.)  If  the  Credit  Union  authorizes  ATM  transactions  with  Your  Card,  it  will  issue  You  a 
personal identification number (PIN). To obtain cash advances from an ATM, You must use the PIN issued to You for use 
with  Your  Card.  You  agree  that  You  will  not  use  Your  Card  for  any  transaction  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. If You are permitted to obtain cash advances on Your Account, You 
may  also  use  Your  Card  to  purchase  instruments  and  engage  in  transactions  that  we  consider  the  equivalent  of  cash. 
Such  transactions  will  be  posted  to  Your  Account  as  cash  advances  and  include,  but  are  not  limited  to,  overdraft 
protection  transfers,  wire  transfers,  money  orders,  bets,  lottery  tickets,  and  casino  gaming  chips,  as  applicable.  This 
paragraph shall not be interpreted as permitting or authorizing any transaction that is illegal. 
3.  PROMISE  TO  PAY  —  You  promise  to  pay  all  charges  (purchases,  cash  advances,  balance  transfers  or  any  other 
charge) made to Your Account by You or anyone You authorize to use Your Account. You also promise to pay all finance 
charges and other charges added to  Your Account under the terms of this Agreement or another Agreement You made 
with the Credit Union. If this is a joint Account, the paragraph on JOINT ACCOUNTS also applies to Your Account. 
4.  PERIODIC  RATES  —  The  periodic  rates  applicable  to  purchases,  cash  advances,  and  balance  transfers  are 
disclosed on the Disclosure that accompanies this Agreement. Any rate change will be made pursuant to applicable law. If 
the rate for Your Account is variable, as indicated on the accompanying Disclosure, the rate charged on purchases, cash 
advances and balance transfers will vary periodically as disclosed in the Disclosure accompanying this Agreement.  
5.  FINANCE CHARGES — New purchases posted to Your Account during a billing cycle will not incur a finance charge 
for that billing cycle if You 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; otherwise a finance charge 
will accrue from the date a purchase is posted to Your Account. 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. A 
finance charge begins to accrue on cash advances from the date  You get the cash advance or from the first day of the 
billing  cycle  in  which  the  cash  advance  is  posted  to  Your  Account,  whichever  is  later  (transaction  date).  To  avoid  an 
additional finance charge on the balance of cash advances, You must pay the entire new balance on the billing statement 
by the payment due date of that statement. 
The  finance  charge  is  calculated  separately  for  purchases  and  cash  advances.  For  purchases,  the  finance  charge  is 
computed by applying the periodic rate to the average daily balance of purchases. To calculate the average daily balance 

©CUNA Mutual Group 1991, 2006, 09, 10, 12, 14 All Rights Reserved 

00904672-MXC50-C-1-033117 (MXC503 CCM004)-e 

 
  
 
 
 
 
of purchases, we take the beginning outstanding balance of purchases each day, add any new purchases, and subtract 
any  payments  and/or  credits.  This  gives  us  the  daily  balance  of  purchases.  We  then  add  all  of  the  daily  balances  of 
purchases for the billing cycle together and divide the total by the number of days in the billing cycle.  This gives us the 
average daily balance of purchases.  
For  cash  advances,  the  finance  charge  is  computed  by  applying  the  periodic  rate  to  the  average  daily  balance  of  cash 
advances. To calculate the average daily balance of cash advances, we take the beginning outstanding balance of cash 
advances each day, add in any new cash advances, and subtract any payments and/or credits that we apply to the cash 
advance  balance.  This  gives  us  the  daily  balance  of  cash  advances.  We  then  add  all  of  the  daily  balances  of  cash 
advances  for  the  billing  cycle  together  and  divide  the  total  by  the  number  of  days  in  the  billing  cycle.  This  gives  us  the 
average daily balance of cash advances. Balance transfers are calculated in the same manner as cash advances. 
6.  FOREIGN TRANSACTIONS — Purchases and cash advances made in foreign currencies will be debited from  Your 
Account  in  U.S.  dollars.  The  exchange  rate  used  to  convert  foreign  currency  transactions  to  U.S.  dollars  is  either  a 
government-mandated exchange rate or a wholesale exchange rate and is selected by MasterCard. The rate MasterCard 
uses for a particular transaction is the rate MasterCard selects for the applicable currency on the day  the transaction is 
processed.  This  rate  may  differ  from  the  rate  applicable  on  the  date  the  transaction  occurred  or  was  posted  to  Your 
Account. 
A fee (finance charge) will be charged on all transactions completed outside of the United States, where the Cardholder’s 
country code differs from the merchant’s country code. 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.  FEES — In addition to the periodic rate, the following additional fees may be imposed on  Your Account. If applicable 
to Your Account, the fee amounts and explanations are disclosed on the Disclosure accompanying this Agreement. Your 
Account may also be subject to additional fees as set forth on the Disclosure accompanying this Agreement. 
a.  Annual Fee. If Your Account is subject to an Annual Fee, the fee will be  charged to Your Account. The fee may be 
charged each year until Your Account is closed and/or paid in full. 
b.  Balance Transfer Fee (Finance Charge). If Your Account is subject to a Balance Transfer Fee (finance charge), the 
fee as disclosed on the Disclosure accompanying this Agreement will be charged to Your Account when You transfer a 
balance from an Account of another creditor to the Account subject to this Agreement. 
c.  Cash Advance Fee (Finance Charge). If Your Account is subject to a Cash Advance Fee (finance charge), the fee 
will  be  charged  to  Your  Account  when  You  obtain  a  cash  advance  from  an  ATM,  the  Credit  Union  or  other  financial 
institution.  
d.  Foreign  Transaction  Fee  (Finance  Charge).  If  Your  Account  is  subject  to  a  Foreign  Transaction  Fee  (finance 
charge),  a  fee  may  be  charged  to  Your  Account  for  transactions  made  outside  of  the  United  States  or  in  a  foreign 
currency.  
e.  Late Payment Fee. If Your Account is subject to a Late Payment Fee, the fee will be charged to Your Account when 
You do not make the required minimum payment by or within the number of days of the statement Payment Due Date set 
forth on the Disclosure accompanying this Agreement. 
f.  Over-the-Credit Limit Fee. If You have elected the feature to allow Your Account to go over Your credit limit, we may 
charge You a fee as allowed by law. However, in no case will we impose an over-the-limit fee except in the next two billing 
cycles unless You have obtained an additional extension of credit in excess of such credit limit during each subsequent 
cycle or You have reduced the balance below the credit limit as of the end of each bill cycle. 
g.  Returned  Payment  Fee.  If  Your  Account  is  subject  to  a  Returned  Payment  Fee,  the  fee  will  be  charged  to  Your 
Account when a payment is returned for any reason. 
h.  Statement Copy Fee. If Your Account is subject to a Statement Copy Fee, except as limited by applicable law and 
when  the  request  is  made  in  connection  with  a  billing  error  made  by  the  Credit  Union,  a  fee  may  be  charged  to  Your 
Account for each copy of a sales draft or statement that You request. 
i.  Document Copy Fee. If Your Account is subject to a Document Copy Fee, except as limited by applicable law, a fee 
may be charged to Your Account for each copy of a sales draft or statement that You request (except when the request is 
made in connection with a billing error made by the Credit Union). 
j.  Rush Fee. If  Your Account is subject to a Rush Fee,  except as limited by  applicable law, a fee may  be  charged to 
Your  Account  for  each  rush  Card  that  You  request,  providing  delivery  of  the  Card  is  also  available  by  standard  mail 
service, without paying a fee for delivery. 
k.  Card  Replacement  Fee.  If  Your  Account  is  subject  to  a  Card  Replacement  Fee,  a  fee  will  be  charged  for  each 
replacement Card that is issued to You for any reason. 
8.  PAYMENTS  —  Each  month  You  must  pay  at  least  the  minimum  payment  shown  on  Your  statement  by  the  date 
specified  on  the  statement.  You  may  pay  more  frequently,  pay  more  than  the  minimum  payment  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 each 
month Your Account has a balance (other than a credit balance). For our Eglin Platinum, the minimum payment is 2.00% 

00904672-MXC50-C-1-033117 (MXC503 CCM004)-e 

 
 
of Your total new balance, or $25.00, whichever is greater, plus the amount of any prior minimum payments that You have 
not made, all outstanding unpaid fees and charges, and any amount You are over Your credit limit by the date specified 
on the statement. For our Eglin Platinum Rewards, the minimum payment is 2.00% of Your total new balance, or $25.00, 
whichever  is  greater,  plus  the  amount  of  any  prior  minimum  payments  that  You  have  not  made,  all  outstanding  unpaid 
fees and charges, and any amount You are over Your credit limit by the date specified on the statement. The Credit Union 
also has the right to demand immediate payment of any amount by which  You are over  Your credit limit. In accordance 
with applicable law, the Credit Union may not post payments to Your Account or reflect them in Your available credit limit 
on  the  date  they  are  received.    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.  
9.  PAYMENT ALLOCATION — Subject to applicable law, Your payments may be applied to what  You owe the Credit 
Union in any manner the Credit Union chooses. However, in every case, in the event You make a payment in excess of 
the  required  minimum  periodic  payment,  the  Credit  Union  will  allocate  the  excess  amount  first  to  the  balance  with  the 
highest annual percentage rate and any remaining portion to the other balances in descending order based on applicable 
annual percentage rate.  
10.  DEFAULT — You will be in default if You fail to make any minimum payment or other required payment by the date 
that it is due. You will be in default if You break any promise You make under this Agreement. You will be in default if You 
die, file for bankruptcy or become insolvent, that is, unable to pay Your obligations when they become due. You will be in 
default  if  You  make  any  false  or  misleading  statements  in  any  credit  application  or  credit  update.  You  will  also  be  in 
default if something happens that the Credit Union believes may substantially reduce Your ability to repay what You owe. 
When  You  are  in  default,  the  Credit  Union  has  the  right  to  demand  immediate  payment  of  Your  full  Account  balance 
without  giving  You  notice.  If  immediate  payment  is  demanded,  You  agree  to  continue  paying  finance  charges  at  the 
periodic rate charged before default, until what  You owe has been paid, and any shares that were given as security for 
Your Account may be applied towards what You owe. 
Collection  Costs.  You  agree  to  pay  all  costs  of  collecting  the  amount  You  owe  under  this  Agreement,  including  court 
costs and reasonable attorney's fees.  

11.  LIABILITY  FOR  UNAUTHORIZED  USE-LOST/STOLEN  CARD  NOTIFICATION  —  You  agree  to  notify  us 
immediately,  orally  or  in  writing,  at  Eglin  Federal  Credit  Union,  838  Eglin  Pkwy  NE,  Fort  Walton  Beach,  FL  32547  or 
telephone (850) 862-0111 Monday through Friday 9:00 a.m. to 5:00 p.m. or (888) 241-2510 seven days a week, 24 hours 
a day, of the loss, theft, or unauthorized use of Your credit Card. You may be liable for the unauthorized use of Your credit 
Card. You will not be liable for unauthorized use that occurs after You notify us of the loss, theft, or possible unauthorized 
use. However, if You exercise reasonable care in safeguarding Your Card from risk of loss or theft and, upon discovering 
the  loss  or  theft  promptly  report  the  loss  or  theft  to  us,  You  will  not  be  liable  for  any  unauthorized  transactions.  In  any 
case, Your liability will not exceed $50.00.  
12.  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.  If  permitted  by  law  and  specified  in  the  notice  to  You,  the  change  will  apply  to  Your  existing  Account 
balance as well as to future transactions. You are responsible for keeping Your address, phone numbers, and email up to 
date and current  with us.  We will attempt to communicate  with  You  only by  use of the most recent contact information 
You have provided. 
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.  You  are  also  responsible  for  all 
transactions made to Your Account after termination, unless the transactions were unauthorized. 
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. If this is a joint 
Account, the paragraph on JOINT ACCOUNTS of this Agreement also applies to termination of the Account.  
13.  CHANGING  OR  TERMINATING  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  letter  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. 
14.  CREDIT REVIEW  AND RELEASE OF INFORMATION  — You authorize the Credit Union to investigate Your credit 
standing when opening or reviewing Your Account. You authorize the Credit Union to disclose information regarding Your 
Account to credit bureaus and creditors who inquire about Your credit standing. If Your Account is eligible for emergency 
cash  and/or  emergency  Card  replacement  services,  and  You  request  such  services,  You  agree  that  we  may  provide 
personal information about You and Your Account that is necessary to provide You with the requested service(s). 

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15.  RETURNS  AND  ADJUSTMENTS  —  Merchants  and  others  who  honor  Your  Card  may  give  credit  for  returns  or 
adjustments, and they will do so by sending the  Credit Union a credit slip which will be posted to  Your Account. If Your 
credits and payments exceed  what  You  owe the Credit Union, the amount will be applied against future purchases and 
cash  advances.  If  the  credit  balance  amount  is  $1.00  or  more,  it  will  be  refunded  upon  Your  written  request  or 
automatically after six months. 
16.  ADDITIONAL  BENEFITS/CARD  ENHANCEMENTS  —  The  Credit  Union  may  from  time  to  time  offer  additional 
services to Your Account, such as travel accident insurance, at no additional cost to You. You understand that the Credit 
Union is not obligated to offer such services and may withdraw or change them at any time. 
17.  MERCHANT DISPUTES — The Credit Union is not responsible for the refusal of any merchant or financial institution 
to honor  Your Card. The Credit Union is subject to claims and defenses (other than tort claims) arising out of goods or 
services You purchase with the Card if You have made a good faith attempt but have been unable to obtain satisfaction 
from the merchant or service provider, and (a) Your purchase was made in response to an advertisement the Credit Union 
sent or participated in sending to You; or (b) Your purchase cost more than $50.00 and was made in Your state or within 
100 miles of Your home. 
18.  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 purchases or cash advances 
individually. Any one of You may terminate the Account and the termination will be effective as to all of You. 
19.  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. 
20.  NO WAIVER — The Credit Union can delay enforcing any of its rights any number of times without losing them. 
21.  STATEMENTS  AND  NOTICES  —  Statements  and  notices  will  be  mailed  or  delivered  to  You  at  the  appropriate 
address You have given the Credit Union. Notice sent to any one of You will be considered notice to all.  
22.  SEVERABILITY  AND  FINAL  EXPRESSION  —  This  Agreement  and  the  Disclosure  are  the  final  expression  of  the 
terms and conditions of Your Account. This written Agreement and Disclosure may not be contradicted by evidence of any 
alleged oral Agreement. Should any part of this Agreement or the Disclosure be found to be invalid or unenforceable, then 
such  part(s)  shall  be  severable,  and  all  other  parts  of  this  Agreement  and  Disclosure  shall  remain  in  effect  and  fully 
enforceable to the fullest extent possible under this Agreement. 
23.  COPY RECEIVED — You acknowledge that You have received a copy of this Agreement and Disclosure. 
24.  INTERNET  GAMBLING  TRANSACTIONS  PROHIBITED  —  You  may  not  use  Your  Card  to  initiate  any  type  of 
electronic gambling transaction through the Internet. 
25.  VOLUNTARY PAYMENT PROTECTION — We may offer Voluntary Payment Protection to  You. Voluntary Payment 
Protection is not necessary to obtain credit. If  You purchase Voluntary Payment Protection from us,  You authorize us to 
add the fees or  insurance  charges monthly  to  Your  loan balance and charge  You interest on the entire  balance.  At our 
option  we  will  change  Your  payment  or  the  period  of  time  necessary  to  repay  the  loan  balance.  The  rate  used  to 
determine  the  fees  or  insurance  charges  may  change  in  the  future.  If  the  rate  changes,  we  will  provide  any  notices 
required by applicable law.  
26.  CHOICE  OF  LAW  AND  CHOICE  OF  FORUM  –  Unless  prohibited  by  law,  suits  or  claims  arising  out  of  this 
Agreement,  or  out  of  any  aspect  of  Our  business  relationship,  shall  only  be  brought  in  state  court  in  Okaloosa  County, 
Florida or if Federal Court, then in the United States District Court, Northern District of Florida and in any suit or claim in 
state or federal court, Florida law will apply. 
27.  PLACE  OF  MAKING  AGREEMENT  –  Unless  prohibited  by  law,  this  Agreement  will  be  deemed  to  have  been 
executed by You at Our home office in Okaloosa County, Florida.  Advances under this Agreement may be disbursed in 
other  states  or  places  solely  for  Your  convenience, but  all  such  advances,  whether  or  not  secured,  will  be  deemed to 
have been made at Our home office in Okaloosa County, Florida. 
28. CLASS ACTION AND JURY TRIAL WAIVER – Unless prohibited by law, in any action or proceeding arising out of or 
relating to this Agreement or any document or Agreement delivered or which may in the future be delivered in connection 
herewith any other action or claim by or against Eglin Federal Credit Union of any kind, each Borrower hereby knowingly, 
intentionally and voluntarily waives: 1) any right to participate in any class action, whether as a member of the class or 
class representative; and 2) any right to a trial by jury. 
29.  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. 
30.  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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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.  

Your Account is secured by all other shares You have in any individual or joint Account with the Credit Union, 
except  for  shares  in  an  Individual  Retirement  Account  or  in  any  other  Account  that  would  lose  special  tax 
treatment under state or federal law if given as security. These other shares may be withdrawn unless You are 
in default under this Agreement. You authorize the Credit Union to apply the balance in Your individual or joint 
share Accounts to pay any amounts due on Your Account if You should default. 

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.  

X  ___________________________________          
           Date 
Primary Cardholder Signature 

             X  ___________________________________          
Joint Cardholder Signature                               Date  

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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 3 business days before an automated payment is scheduled, if You want to stop payment on the amount You 

think is wrong. 

You must notify us of any potential errors in writing 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 

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: You will not have to pay the amount in question or any interest or other fees related to that 

amount. 

  -  If  we  do  not  believe  there  was  a  mistake:  You  will  have  to  pay  the  amount  in  question,  along  with  applicable 
interest and fees. We will send You a statement of the amount You owe and the date payment is due. We may then 
report You as delinquent if You do not pay the amount we think You owe.  

If You receive our explanation but still believe  Your bill is wrong, You must write to us within 10 days telling us that You 
still refuse to pay. If You do so, we cannot report You as delinquent without also reporting that You are questioning Your 
bill. We must tell You the name of anyone to whom we reported You as delinquent, and we must let those organizations 
know when the matter has been settled between us. 
If we do not follow all of the rules above, You do not have to pay the first $50 of the amount You question even if Your bill 
is correct. 
Your Rights if You Are Dissatisfied With Your Credit Card Purchases 
If You are dissatisfied with the goods or services that  You have purchased with Your credit Card, and You have tried in 
good faith to correct the problem with the merchant, You may have the right not to pay the remaining amount due on the 
purchase. 
To use this right, all of the following must be true: 
  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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