tronic terminals to honor the Card or complete a Card withdrawal, or for their re-
tention of the Card.

26. Plan Merchant Disputes. We are not responsible for the refusal of any plan
merchant or financial institution to honor your Card. Also, we are not responsible
for goods or services that you purchase with the Card unless: (a) your purchase
was made in response to an advertisement we sent or participated in sending
you; or (b) your purchase cost more than $50 and was made from a plan merchant
in your state or within 100 miles of your home; and only if you have made a good
faith attempt, but have been unable to obtain satisfaction from the plan merchant.
You must resolve all other disputes directly with the plan merchant. We do not
warrant any merchandise or services purchased by you with the Card.

27. Statements and Notices. Statements and notices will be mailed to you at the
most recent postal address or e-mail address (if you have elected to receive such
documents via electronic means) that you have given us. Statements will be sent
each month in which there is a debit or credit balance or when an Interest Charge
is imposed. If you have elected to receive a statement via e-mail, you will not be
sent a paper statement.  We need not send you a statement if we feel your ac-
count is uncollectible or if we have started collection proceedings against your
account because you defaulted. Each statement is deemed to be a correct state-
ment of account unless you establish a billing error pursuant to the Fair Credit
Billing Act. Notice sent to any one of you will be considered notice to all. 

28. Integrated Documents. Any separate document entitled “Truth-in-Lending
Statement” or similar which is delivered with this Agreement or provided at a
later time is an integrated part of this Agreement.

29. Notification of Address Change. You will notify us promptly if you change
your address for any reason. In order to prevent identity theft, your identity may
need to be verified before we act upon the notification.

30. Copy Received. You acknowledge that you have received a copy of this
Agreement. 

31. Governing Law. This Agreement shall be construed under federal law and
state law in the state in which we are primarily located, and the venue shall be lo-
cated in the county and state in which we are primarily located. Operating regula-
tions of Visa or MasterCard, as applicable, may also apply. This Agreement is the
contract that applies to all transactions even though the sales, cash advance, con-
venience check, credit or other slips you sign or receive may contain different terms.

32. NOTICE TO UTAH BORROWERS. This written agreement is a final ex-
pression of the agreement between you and the Credit Union. This written agree-
ment may not be contradicted by evidence of any oral agreement. 

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(es)
listed on your statement.
In your letter, give us the following information:

1. Your name and account number.
2. The dollar amount of the suspected error.
3.

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. 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 at the address(es) 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.

FI13537 Rev 9-2014
©2005 Securian Financial Group, Inc. All rights reserved.

M-113030

1600 Medical Drive
Pottstown, PA 19464
(610) 326-5490  •  (800) 593-1000
FAX (610) 326-5973
www.diamondcu.org
MASTERCARD CREDIT CARD AGREEMENT

In this Agreement, “You” and “your” mean any person who accepts this Agree-
ment or uses the Card. The “Card” means any Platinum MasterCard or Platinum
MasterCard with CU Rewards credit card issued to you or those designated by
you under the terms of this Agreement. “We,” “us” or the “Credit Union” means
Diamond Credit Union or its successors. By using your card, you agree to all of
the terms and conditions set forth herein.

SECURITY: YOU SPECIFICALLY GRANT US A CONSENSUAL SECU-
RITY INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE
WITH  US  NOW  AND  IN  THE  FUTURE  TO  SECURE  REPAYMENT  OF
CREDIT EXTENDED UNDER THIS AGREEMENT. YOU ALSO AGREE
THAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE
AND/OR FEDERAL LAW. THE GRANTING OF THIS SECURITY INTER-
EST IS A CONDITION FOR THE ISSUANCE OF CREDIT UNDER THIS
AGREEMENT.  IF  YOU  ARE  IN  DEFAULT,  WE  CAN  APPLY  YOUR
SHARES TO THE AMOUNT YOU OWE. Shares and deposits in an Individ-
ual Retirement Account or any other account that would lose special tax treat-
ment under state or federal law if given are not subject to this security interest. 
If you have other loans with us, collateral securing such loans may also se-
cure your obligations under this Agreement. 

1. Using Your Card. Using your Card constitutes your acceptance of the terms
and conditions of this Agreement, as may be amended from time to time. You
can purchase or lease goods and services ("Purchases") from any merchant
who honors your Card up to your maximum credit limit for your Card. You may
also use the Card to obtain cash advances up to your maximum credit limit from
financial institutions and ATMs that accept the Card. You may also access your
account by telephone or access checks (if provided to you). Certain purchases
and cash advances require authorization prior to completion of the transaction.
In some cases, you may be asked to provide identification. If our system is not
working, we may not be able to authorize a transaction, even though you have
sufficient credit available. Also, for security reasons, we may block the use of
your Card in certain countries or geographic areas. We will have no liability to you
or others if any of these events occur. 

2. Feature Categories. Your account has Feature Categories which may in-
clude Platinum MasterCard and Platinum MasterCard with CU Rewards.

3. Credit Limits. We will notify you of each specific credit limit for each Feature Cat-
egory for which you are approved. You agree to keep your unpaid balance within
your credit limit; however, if you do exceed your credit limit, you agree to immedi-
ately pay any amount over the credit limit upon our demand, regardless of whether
we authorized the advance(s) which caused you to exceed your credit limit. 

4. Personal Identification Number (PIN). We will issue a Personal Identification
Number (PIN) for use with your Card. This PIN is confidential and should not be
disclosed to anyone. You may use your PIN and your Card to access your ac-
count, and all sums advanced will be added to your account balance. In the event

a use of your PIN constitutes an Electronic Funds Transfer, the terms and con-
ditions of your Electronic Funds Transfer Agreement may affect your rights.

5. Promise To Pay. Regardless of the means used to access your account, you
promise to pay us in U.S. dollars for (a) all purchases, cash advances, and bal-
ance transfers made by you or anyone whom you authorize to use the Card; (b)
all Interest Charges and other charges or fees; (c) collection costs and attorney’s
fees as permitted by applicable law, and any costs incurred in the recovery of the
Card; and (d) credit in excess of your credit limit that we may extend to you.

6. Illegal Use and Internet Gambling. You agree that all transactions that you
initiate by use of your Card are legal in the jurisdiction where you live and/or
where the transaction occurred. Internet gambling may be illegal in the jurisdic-
tion in which you are located, including the United States. Your Card may only
be used for legal transactions. Display of a payment card logo by an online mer-
chant does not mean that internet gambling transactions are lawful in all juris-
dictions in which you may be located. You agree to repay according to the terms
of this Agreement all transactions you initiate by use of your Credit Card, whether
deemed legal or illegal.

7. Joint Accounts. Each of you will be responsible, jointly and severally, for the
repayment of amounts owed, regardless of who initiated any transaction under
the account.

8. Ownership of Card. Your Card remains our property and may be cancelled
by us at any time without notice. You agree to surrender your Card and to dis-
continue use of the account immediately upon our request.

9. Others Using Your Account. If you allow anyone else to use your account,
you will be liable for all credit extended to such persons. You promise to pay for
all purchases and advances made by anyone you authorize to use your account,
whether or not you notify us that he or she will be using it. If someone else is au-
thorized to use your account and you want to end that person’s privilege, you
must notify us in writing, and if he or she has a Card, you must return that Card
with your written notice for it to be effective. 

10. Interest Charges. You agree to pay interest at the rate(s) disclosed to you
at the time you open your account and as may be changed from time to time in
accordance with applicable law. Interest Charges will accrue on your average
daily balance outstanding during the month (new and previous). To get the av-
erage daily balance, we take the beginning balance each day, add any new pur-
chases,  cash  advances,  balance  transfers,  insurance  premiums  or  debt
protection fees or similar fees, and debit adjustments and subtract any unpaid
late charges. This gives us the daily balance. Then, we add up all the daily bal-
ances for the billing cycle and divide that by the number of days in the billing
cycle. We then multiply that by the monthly periodic rate corresponding to the An-
nual Percentage Rate that was previously disclosed to you.
You can avoid Interest Charges on purchases by paying the full amount of the
entire balance for purchases each month by the date on which the payment is
due. Otherwise, the new balance for purchases, and subsequent advances from
the date they are posted to the account, will be subject to an Interest Charge. You
cannot avoid Interest Charges on cash advances and balance transfers; even if
you pay the entire cash advance balance or balance transfer balance by the
payment due date, you will incur the Interest Charges accrued from the trans-
action date of the cash advance or balance transfer.

11. Fees. You agree to pay any and all fees that you incur in connection with your
Card, in accordance with applicable law, in the amounts set forth on your Truth-in-
Lending Statement, which fees and/or amounts may be amended from time to time.

subject to the lesser of $10 or your account balance. In addition, any time that
your total New Balance exceeds your credit limit, you must immediately pay the
excess upon our demand. You have the right to pay your account in full at any
time without penalty. Partial payments or prepayments will not delay your next
scheduled payment – you will still need to make the minimum scheduled pay-
ment by the next scheduled due date to keep your account current. Payments
will be applied in any order we determine, subject to applicable law. You under-
stand that any payment that delays the repayment of your unpaid balance will in-
crease your Interest Charge and any payment that accelerates the reduction of
your unpaid balance will decrease your Interest Charges.

13. If Your Card is Lost or Stolen or if an Unauthorized Use Occurs. You
agree to notify us immediately if your Card is ever lost or stolen or if an unau-
thorized use may have occurred. “Unauthorized use” means the use of the Card
by someone other than you who does not have actual, implied or apparent au-
thority for such use, and from which you receive no benefit. Call or write to us at
(800) 593-1000 or (610) 326-5490 or Diamond Credit Union, 1600 Medical Drive,
Pottstown, PA 19464. You also agree to assist us in determining the facts, cir-
cumstances and other pertinent information relating to any loss, theft or possi-
ble unauthorized use of your Card and comply with such procedures as we may
require in connection with our investigation. You will have no liability for Mas-
terCard transactions not authorized by you, provided that you have exercised
reasonable care in safeguarding the Card from risk of loss or theft, and upon
becoming aware of such loss or theft, you promptly report the loss or theft to us.

14. Crediting Of Payments. Payments are due on the date disclosed on your
monthly statement. If your payment is received by us either by mail, electroni-
cally, or in-person at a branch during regular business hours on a business day,
it will be credited to your account as of that date. Payments placed in our lock-
box between 6 a.m. and 5 p.m. EST will be credited to your account as of the
date placed in the  lockbox. If payment is made by any other means or at any
other times, credit for such payment may be delayed up to five (5) days. Pay-
ments will be applied in any order we determine, subject to applicable law.

15. Default; Acceleration; Credit Suspension; Collection Costs. You will be
in default if: (a) you fail to make any payment on time; (b) if you fail to keep any
promises you have made under this Agreement or under other Agreements you
have with us; (c) if you die; (d) if you file a petition in bankruptcy or have a bank-
ruptcy petition filed against you, or if you become involved in any insolvency, re-
ceivership or custodial proceeding; (e) if anyone attempts to take any of your
funds held by us via legal process or if you have a judgment or tax lien filed
against you; (f) if you make any false, inaccurate, or misleading statements in any
credit application or credit update; or (g) if we, in good faith, believe that your abil-
ity to repay what you owe is or soon will be impaired, or that you are unwilling to
make your payments.
If you are in default, we have 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 Interest Charges until what you owe has been
paid, and any shares that were given as security for your account may be applied
toward what you owe. You agree to pay all reasonable costs of collection, in-
cluding court costs and attorney’s fees, and any cost incurred in the recovery of
the Card. Even if your unpaid balance is less than your credit limit, you will have
no credit available during any time that any aspect of your account is in default.  

16. Additional Benefits/Card Enhancements. We may, from time to time, offer
additional services to your Account at no additional cost to you. You understand
that we are not obligated to offer such services and may withdraw or change
them at any time. 

12. Minimum Monthly Payments. Your minimum monthly payment will be 1.5%
of your total New Balance shown on your billing statement at the end of each
billing cycle, plus the amount of any prior payments dues that remain unpaid,

17. Convenience Checks. We may, at our discretion, issue checks to you which
may be used for any purpose other than making a payment for credit to your ac-
count. By signing such check, you authorize us to pay the item for the amount

indicated and post such amount as a cash advance to your account. We do not
have to pay any item which would cause the outstanding balance in your ac-
count to exceed your credit limit. 

18. Debt Protection. Voluntary Debt Protection coverage or similar products
are not required for any extension of credit under this Agreement. However, if you
choose to purchase this protection from us, the fees will be added to your ac-
count balance each month and will accrue Interest Charges. We will receive a
portion of the fees that you pay as compensation for offering this service to you.
If you elect to purchase Debt Protection, we will provide the required disclosures
and program contract separately at the time of your election.

19. Transaction Slips. Your monthly statement will identify what merchant, elec-
tronic terminal or financial institution at which transactions were made. Sales,
cash advance, credit or other slips cannot be returned with the statement.

20. Credit Information. We may, from time to time, request personal informa-
tion from you or obtain credit reports from the credit reporting agencies for the
purpose of updating your credit status. Your failure to provide such information
when requested by us may result in suspension of credit privileges under this
Agreement, including your ability to obtain any future advances by any means.
You authorize us to investigate your credit standing when opening or reviewing
your account. You authorize us to disclose information regarding your account
to credit bureau and creditors who inquire about your credit standing.

21. Foreign Transactions; Currency Conversion. Purchases and cash ad-
vances made in foreign currencies will be billed to you in U.S. dollars. Transac-
tions  processed  outside  of  the  United  States  (which  may  include  internet
transactions) will be charged a foreign transaction fee in an amount to be de-
termined by us, regardless of whether there is a currency conversion associated
with the transaction. The conversion rate in dollars will be a rate selected by the
card company from a range of rates available in wholesale currency markets for
the applicable central processing date, which rate may vary from the rate the
card company itself receives, or the government-mandated rate in effect for the
applicable central processing date in each instance.

22. Termination; Change-in-Terms. We may, by written notice, terminate this
Agreement at any time, subject to applicable law. You may terminate this Agree-
ment by written notice. Termination by either party shall not affect your obliga-
tion to repay any payments made for your account resulting from use of the Card
as well as Interest Charges and fees incurred.  We may change the terms of
this Agreement, including the method of calculating the periodic rate, at any time,
by written notice, subject to applicable law.  To the extent permitted by applica-
ble law, such rate changes shall apply to your unpaid balance as well as future
advances. Use of the Card constitutes agreement and acceptance of any change
in terms, unless applicable law requires otherwise.  

23. Enforcement. We do not lose our rights under this or any related agreement
if we delay enforcing them. We can accept late payments, partial payments or any
other payments, even if marked, “paid in full” without losing any of our rights under
this Agreement. If any provision of this or any related agreement is determined to
be unenforceable or invalid, all other provisions remain in full force and effect.

24. Returns and Adjustments. Merchants and others who honor the Card may
give credit for returns or adjustments, and they will do so by submitting a credit
slip which will be posted to your account. If your credits and payments exceed
what you owe us, the amount will be applied against future purchases and cash
advances. If the credit balance amount is more than $5 but less than $500, and
if that credit balance still remains on your account after 3 billing cycles, we will
mail a refund to you at the most recent address we have on file for you.

25. Refusal to Honor Card. We are not liable for the refusal or inability of mer-
chants, financial institutions (including us) and others to accept the Card, or elec-