15. Consent To Recover Delinquent Payments From Accounts. liable for the unauthorized use of your Card depending on the circumstances.   � We cannot try to collect the amount in question, or report you as delinquent 
 a.  In consideration for and as a condition of the Credit Union issuing  MasterCard Cardholders: Depending on the circumstances, you may qualify for  on that amount.
 a Card(s) to you, you agree that if you fail to make your required  zero liability under the MasterCard zero liability program.  � The charge in question may remain on your statement, and we may continue 
 payments the Credit Union can take any monies on deposit at the  to charge you interest on that amount. But, if we determine that we made a 
  Credit Card Agreement
 Credit Union in which you have an interest to recover all or part of  22. Lost Or Stolen Cards. You agree to notify us immediately if your Card is  mistake, you will not have to pay the amount in question or any interest or 
 your delinquent debt without advance notice to you and without  ever lost or stolen or if unauthorized use may occur. You agree to assist us in  other fees related to that amount.
 waiving other rights we have to collect what you owe. This consent is  determining the facts, circumstances, and other pertinent information relating to  � While you do not have to pay the amount in question, you are responsible for 
 not a pledge of any shares and will not affect your right to withdraw  any loss, theft, or possible unauthorized use of your Card(s) and to comply with  the remainder of your balance. and
 shares prior to our exercise of our rights following your payment  such procedures as we may require in connection with our investigation. We will  � We can apply any unpaid amount against your credit limit.
 default. This consent applies to all funds you voluntarily deposit to  send you a new Card with a new account number to replace the Card that was 
 Credit Union accounts, including funds such as Social Security direct  lost or stolen. Although you will be issued a new account number, you will not  26. Your Rights If You Are Dissatis?ed With Your Credit Card Purchases. Disclosure Statement
 deposit that are normally exempt from creditors� remedies (this does  be considered to have opened a new account, and any existing balance will be  If you are dissatis?ed with the goods or services that you have purchased with 
 not include your Individual Retirement, KEOGH or SEPP account). You  transferred to the replacement account. your Card, and you have tried in good faith to correct the problem with the 
 understand that we will never require you to deposit exempt funds to  merchant, you may have the right not to pay the remaining amount due on the 
 Credit Union accounts. 23. Foreign Transactions. Purchases and cash advances made with Visa  purchase.
 b.   For Cards secured by Shares, an amount equal to 100% of your credit limit  and MasterCard outside of the United States and its territories may incur an  To use this right, all of the following must be true:
 is held in your Regular Savings Account as collateral for your credit. If  international transaction fee. This fee, which is up to one percentage point (1%)  1.  The purchase must have been made in your home state or within 100 miles 
 you give the Credit Union a speci?c pledge of shares by signing a separate  of the transaction amount, is assessed by Visa and MasterCard. The Credit Union,  of your current mailing address, and the purchase price must have been more 
 pledge of shares, your pledged shares will secure your Account. You may  as Card issuer, does not assess an additional international transaction fee.  than $50. (Note: Neither of these are necessary if your purchase was based on 
 not withdraw amounts that have been speci?cally pledged to secure your  Visa. If you engage in a transaction in a currency other than U.S. dollars using  an advertisement we mailed to you, or if we own the company that sold you 
 Account until the Credit Union agrees to release all or part of the pledged  a Visa Card, Visa International will convert the charge into a U.S. dollar amount.  the goods or services.)
 amount. If you default in your payments under this Agreement, we have  The exchange rate between the transaction currency and the billing currency  2.  You must have used your Card for the purchase. Purchases made with cash 
 the right to apply the amount speci?cally pledged to pay off this account in  used for processing international transactions is either (a) a rate selected by Visa  advances from an ATM or with a check that accesses your Card account do not 
 full or in part. from the range of rates available in wholesale currency markets for the applicable  qualify.
 c.   The security interests in this section apply even if your Card(s) is otherwise  central processing date, which rate may vary from the rate Visa itself receives, or  3.  You must not yet have fully paid for the purchase.
 designated �secured� or �unsecured.� (b) the government mandated rate in effect for the applicable central processing  If all of the criteria above are met and you are still dissatis?ed with the 
 date. The currency conversion rate for the processing date may differ from the  purchase, contact us in writing at:
 16. Attorneys� Fees. You agree to pay all costs incurred by us in collecting  rate in effect on the date of the transaction or the date the transaction is posted  Northwest Federal Credit Union
 your indebtedness or in enforcing this agreement including attorney�s fees  to your billing statement.  ATTN: Card Services Department
 and costs, as well as those costs, expenses and attorney�s fees incurred in  MasterCard. If you effect a transaction with your MasterCard Card in a currency  P.O. Box 1229
 appellate, bankruptcy and post-judgment proceedings, except to the extent  other than U.S. dollars, MasterCard International Incorporated (�MasterCard�)  Herndon, VA 20172-1229
 such costs, fees or expenses are prohibited by law. will convert the charge into U.S. dollars using its currency conversion procedure.  While we investigate, the same rules apply to the disputed amount as discussed 
 Currently, the currency conversion rate used by MasterCard for such transactions  above. After we ?nish our investigation, we will tell you our decision. At that 
 17. Returns and Adjustments. Merchants and others who honor the Card may  is generally either a government mandated rate or a wholesale rate determined  point, if we think you owe an amount and you do not pay we may report you as 
 give credit for returns or adjustments, and they will do so by sending us a  by MasterCard for the processing cycle in which the transaction is processed. The  delinquent.
 credit slip, which we will post to your account. If your credits and payments  currency conversion rate used by MasterCard for processing date may differ from 
 exceed what you owe us, we will hold and apply this credit balance against  the rate in effect on the date of the transaction or the date the transaction is  27. Change Of Name, Address, Or Telephone Number(s). You are responsible
 future purchases and cash advances, or if it is $1.00 or more, refund it on  posted to your billing statement. for promptly notifying us of a change in your name, address (including the 
 your written request or automatically after 6 months. e-mail address(es) you use for online banking with us and any other e-mail 
 24. Effect of Agreement and Amendments. This Agreement governs all  address(es) at which you agree to be contacted), or telephone number(s)
 18. Plan Merchant Disputes. We are not liable for the refusal of any plan  transactions on your account even though the sales, cash advance, credit, or  (including any wireless telephone number(s)).
 merchant or ?nancial institution to honor your Card. other slips you sign or receive may contain different terms. We may amend or 
 change this Agreement, including rates, at any time. If we do so, we will notify  28. Inactivity. Cards unused and or idle for twelve (12) months or more with a 
 19. Additional Bene?ts/Card Enhancements. The Credit Union may from  you in writing in accordance with the applicable law. However, we may reduce  zero (0) balance will automatically be closed. Should that occur an application 
 time to time offer additional services to your Account, such as travel accident  charges, fees and rates without sending you an advance notice. Except as limited  and credit approval would be required to establish a new Card account.
 insurance, discontinue any credit service, or replace your Card with another  by applicable law, any amendment will apply to all then outstanding unpaid 
 Card at no additional cost to you. You understand that the Credit Union is  indebtedness arising from the use of your Card prior to the effective date of the 
 not obligated to offer such services and may withdraw or change them at any  amendment. Any such amendment will not require your written consent, but 
 time. your consent (if required by applicable law) may be evidenced by your use of the 
 Card after we give you notice of the amendment.
 20. Use of Card for Illegal or Risky Transactions. You agree that you will not 
 use or allow others to use your Card(s) for illegal transactions such as illegal  25. What To Do If You Think You Find A Mistake On Your Statement. If you 
 online gambling. The Credit Union may refuse to honor any transaction we  think there is an error on your statement, write to us at:
 reasonably believe to be illegal. However, ultimate responsibility for determining  Northwest Federal Credit Union
 the legality of transactions for which your Card is used rests with you, not  ATTN: Card Services Department
 with the Credit Union. You agree to hold us harmless for any damages or other  P.O. Box 1229
 liability arising from a transaction initiated by you or your authorized user  Herndon, VA 20172-1229
 for the purpose of conducting an illegal activity, including but not limited to,  In your letter, give us the following information:
 internet gambling or interstate sports betting. We reserve the right to decline  �  Account information: Your name and account number.
 authorization of transactions for activities we believe may violate law or pose  �  Dollar amount: The dollar amount of the suspected error.
 signi?cant risk to our members or us. You cannot use the actual or alleged  �  Description of Problem: If you think there is an error on your bill, describe 
 illegality of a transaction for which authorized use of your account was made as  what you believe is wrong and why you believe it is a mistake.
 a defense to your obligation to pay. You must contact us within 60 days after the error appeared on your statement.
 You must notify us of any potential errors in writing. You may call us, but
 21. Liability for Unauthorized Use. If you believe that your Card may have  if you do we are not required to investigate any potential errors and you All information about the VISA and MasterCard Cards described in this
 been lost or stolen or that your account number may have been used without  may have to pay the amount in question. disclosure is current as of 9/1/2014. Subject to change.
 your authorization you must notify us immediately at: 1-800-336-3384 or via  While we investigate whether or not there has been an error, the following
 our website, or by writing to: Northwest Federal Credit Union, Attention: Card  are true: GAM (9/1/2014) 3M
 Services Department, P.O. Box 1229, Herndon, Virginia 20172-1229. You may be  Your Lifetime Financial Partner
   In this Agreement the words �you� and �your� mean each and all of those  your account to exceed the credit limit, and you agree that you are liable for  margin is based on an evaluation of your credit history and may be reviewed and  10. Overdraft Protection Advances. Overdraft protection advances will begin 
   signing, using or having a credit Card account with Northwest Federal Credit  any such transactions as well as interest. If you make a transaction that would  adjusted annually. The Annual Percentage Rate will not be higher than 18.00%,  only if you designate your Card as an overdraft protection source in writing. If 
   Union, referred to as �we� and �us� or �Credit Union�. The �Card� means any  cause you to exceed your total credit limit we may (1) authorize the transaction  regardless of the index rate. your checking account does not have suf?cient available funds to cover any item 
   credit Card issued to you or those designated by you under the terms of this  without increasing your total credit limit; (2) authorize the transaction without  VISA Platinum Periodic Rate for accounts opened before 1/6/2010: To  presented and drawn on the account, any overdraft up to your unused credit 
   Agreement. �Use of the Card� means any procedures used by you, or someone  increasing your total credit limit and treat that amount as immediately due, or  determine the Periodic Rate, we take the �Index Rate,� as de?ned below, add  limit will be added to your credit Card account balance under this Agreement, 
   authorized by you, to make a purchase or obtain a cash advance whether or not  (3) deny authorization. If the authorization is denied we may notify the person 3.75 percentage points and divide that number by 12 to arrive at the periodic  if the Credit Union pays the item. The Credit Union has the right to refuse 
   the purchase or advance is evidenced by a signed written document. Virginia  who attempted the transaction that it has been refused. If we authorize a  rate. For example, if the index rate were 10.0%, the Periodic Rate for that billing  overdraft advances but will notify you of the refusal. If there is more than one 
   law will be used to interpret this Agreement unless federal law applies. The  transaction that causes your account to exceed its credit limit, it does not  cycle would be 1.1458% (10.0% plus 3.75% divided by 12). A periodic rate of  person listed on the checking account (such as a joint checking account) that 
   provisions of this Agreement are severable. If any provision of this Agreement is  mean that we will do so again in the future. In addition, we reserve the right  1.1458% corresponds to an ANNUAL PERCENTAGE RATE OF 13.75%. The margin  you have linked for Overdraft Protection, then: (1) you will be responsible for all 
   held by a court of law to be invalid or unenforceable the rest of this Agreement  to deny transactions or authorizations from merchants apparently engaging  may be reviewed and adjusted annually. The Annual Percentage Rate will not be  Overdraft Protection advances regardless of which person causes any item to be 
   will not be affected.              in the Internet gambling business or identifying themselves through the Card  higher than 18.00%, regardless of the index rate.  presented or engages in any other transaction that causes the overdraft (checks, 
                                      transaction record or otherwise as engaged in such business. MasterCard Gold Card Periodic Rate for accounts opened on or after  ACH, debit Card, etc); and (2) you expressly consent to us disclosing to any other 
   1. Acceptance of Cardholder Agreement. By either using the account or  1/6/2010: To determine the Periodic Rate, we take the �Index Rate� as de?ned  person on that checking account that the checking account is linked to the Card 
   signing, using or accepting the plastic cards(s) issued to you by us (your  5. Special Features. You may receive separate information about special features  below, add a Margin and divide that number by 12 to arrive at the periodic  for Overdraft Protection. We reserve the right to cancel or suspend your Overdraft 
   �Card(s)�), you accept the terms and conditions of this Agreement. All Cards  of your Visa or MasterCard account. Your use of such features will be governed  rate. For example, if the index rate were 10.0% and the margin were 4.75%, the  Protection service at any time at our sole discretion, for any reason.
   issued to you remain our property and must be returned to us upon request.  both by the terms of this Agreement and by the terms contained in such  Periodic Rate for that billing cycle would be 1.2292% (10.0% plus 4.75% divided 
   Once you have received your Card, call the phone number shown on the front  separate information. by 12). A periodic rate of 1.2292% corresponds to an ANNUAL PERCENTAGE RATE  11. Credit Card Fees. We may charge your Card or your Account for Card related 
   of the Card to activate your Card. By activating your Card, you acknowledge you  of 14.75%. The margin is based on an evaluation of your credit history and may  fees. The application and payment of the fee will not correct the situation that 
   have received a copy of this disclosure. We may delay or deny access to your  6. Monthly Payment. Your monthly statement will tell you the total amount  be reviewed and adjusted annually. The Annual Percentage Rate will not be  caused the fee to be charged. Please refer to our current Credit Card Pricing 
   account until you have called to con?rm that you have received and activated  that you owe us, the minimum payment that you must make and your payment  higher than 18.00%, regardless of the index rate.  Information. 
   your Card.                         due date. The minimum payment for credit card accounts will be the greater of (1)  MasterCard Gold Card Periodic Rate for accounts opened before 1/6/2010:  Other Fees: (1) If you ask the Credit Union for statement research and 
                                      3% of the new balance or (2) $35.00. If the new balance of your account is less  To determine the Periodic Rate, we take the �Index Rate� as de?ned below, add  reconstruction services for any reason, you will be charged the same hourly rate 
   2. Credit Line. Your Card account will be an open end account. This means  than $35.00 the minimum payment will be the new balance.  7.75 percentage points and divide that number by 12 to arrive at the periodic  then being charged by the Credit Union for all of its checking accounts for that 
   that you may borrow the full amount of the line of credit, repay the principal,  You may pay the new balance in whole or in part at any time. We will not charge  rate. For example, if the index rate were 10.0%, the Periodic Rate for that billing  service; (2) Additional fees may be charged if agreed between you and us; and, 
   accrued interest and fees in full or in part, and borrow again up to your  you a penalty for paying more than the minimum payment. We will determine at  cycle would be 1.4792% (10.0% plus 7.75% divided by 12). A periodic rate of  (3) To the extent not prohibited by law, if you are in default, you agree to pay 
   maximum line of credit, as long as you continue to be creditworthy and a  our option, the order in which payments will be applied toward Purchases, Cash  1.4792% corresponds to an ANNUAL PERCENTAGE RATE of 17.75%. The margin  our collections costs, attorney�s fees and court costs incurred in enforcing our 
   member of the Credit Union in good standing. To remain in good standing, you  Advances, Balance Transfer, unpaid Finance Charges and other Fees and Charges  may be reviewed and adjusted annually. The Annual Percentage Rate will not be  rights under this Agreement. 
   must meet your entire loan and account obligations to the Credit Union and  in accordance with applicable laws. We may accept checks marked �payment in  higher than 18.00%, regardless of the index rate.  We may waive any of the fees in this Agreement at our discretion; however,
   comply with applicable laws and the Credit Union�s bylaws. You agree to not use  full� or with words of similar effect without losing any of our rights to collect the  MasterCard Gold Card with Annual Fee Periodic Rate (No longer offered to  we reserve the right to begin charging any fee that was previously waived 
   your Card when the use will exceed your total credit limit. You also agree that  full balance of your account with us. In addition, any past due amount is due and  new Cardholders as of 1/6/2010): To determine the Periodic Rate, we take  without providing prior notice to you.
   we are not obligated to extend credit to you for an amount that would make  payable immediately. If your balance exceeds your credit limit, we also require that  the �Index Rate� as de?ned below, add 5.75 percentage points and divide that 
   your outstanding balance exceed your total credit limit or for any amount if your  you pay the over limit amount. number by 12 to arrive at the periodic rate. For example, if the index rate were  12. Reevaluation of Credit. We can reinvestigate and reevaluate any 
   outstanding balance is already over the total credit limit. We can change your  10.0%, the Periodic Rate for that billing cycle would be 1.3125% (10.0% plus  information you provided on your credit application at any time, and in the 
   credit limit at any time. If we allow you to use your account for more than your  Any payment submitted to us in the form of a check or other paper document  5.75% divided by 12). A periodic rate of 1.3125% corresponds to an ANNUAL  course of doing so, we may ask you for additional information, request credit 
   limit, you still agree to pay the full amount you owe us. We may decline to honor  may be converted to an electronic transaction through procedures established by  PERCENTAGE RATE of 15.75%. The margin may be reviewed and adjusted  bureau reports and/or otherwise verify your current credit standing.
   any transactions for any reason. You agree that you will not use your account for  the National Automated Clearing House Association. If this occurs, the original  annually. The Annual Percentage Rate will not be higher than 18.00%, regardless 
   any transaction that is illegal under any applicable law. check or other document that you send to us will not be retained, but a copy  of the index rate. 13. Account Closing. We may cancel, revoke, reduce the amount of your credit 
                                      would be available if requested.   The Index Rate used for calculating your Periodic Rate for a billing cycle is the  line or suspend your rights under this Agreement and require the return of the 
   3. Promise To Pay. You agree to pay us the amount of purchases, cash  Prime Rate published in the Wall Street Journal on the last business day of the  Card(s) for any reason, including your default, without notice to you except in 
   advances, balance transfers, fees and ?nance charges that you, your coapplicant  7. Finance Charges, Grace Period and Index Rate. A FINANCE CHARGE will  prior month (the �Periodic Rate Adjustment Date�). There are 12 Periodic Rate  those situations where notice is required by law. You may also close the account 
   and/or authorized users make (even if we didn�t issue a Card in that person�s  be imposed on Credit Purchases only if you elect not to pay the entire New  Adjustment Dates per year.  at any time by notifying us in writing and returning all Cards. If the account 
   name) and whether or not you notify us that he or she will be using it. Each  Balance of purchases shown on your monthly statement for the previous billing  Because the Index Rate may go up or down, the Periodic rate applied to your  is closed or we terminate or suspend your credit privileges for any reason, 
   person who uses the Card(s) or permits another to use the Card(s) agrees to  cycle within 25 days from the closing date of that statement. If you elect not  Average Daily Purchases Balance or Average Daily Cash Advance Balance, as the  you must still repay any unpaid balance you owe to us including charges and 
   be jointly and severally liable to the Credit Union for all obligations due to the  to pay the entire New Balance of purchases shown on your previous monthly  case may be, may also increase or decrease, thereby increasing or decreasing the  or transactions not yet received by us, as well as subsequent Finance Charges 
   Credit Union hereunder. If another person has use of your account and you want  statement within that 25-day period, a FINANCE CHARGE will be imposed on  number of payments you will be required to make in order to repay your Total  and other charges according to the terms of this Agreement. Each Card is our 
   to end that person�s privilege, you must recover and return that person�s Card,  the unpaid average daily balance of such Credit Purchases from the previous  New Balance. property and you agree that the Cards are not transferable and to surrender any 
   if any. If you are unable to recover and return the Card, you will continue to be  statement closing date and on new Credit Purchases from the date of posting to  The Periodic Rate that is applied to your Average Daily Purchases Balance and  Card upon demand. If this is a joint account, either person who is liable on the 
   liable for any charges made unless you tell us to cancel all Cards and establish  your account during the current billing cycle, and will continue to accrue until  Average Daily Cash Advance Balance appears on your monthly statement. The  account may give notice to cancel the account, and we may close it without 
   a new account for you. We will automatically cancel all Cards if you notify us of  the closing date of the billing cycle preceding the date on which the entire New  Periodic Rate, in effect at the time of your Card approval, was provided to you in  notifying the other liable person.
   unauthorized use. Your obligation to pay the account balance continues even  Balance of purchases is paid in full or until the date of payment if more than  a separate Credit Union initial welcome and or acceptance letter.
   though an agreement, divorce decree or other court judgment to which we are  25 days from the closing date. A FINANCE CHARGE will be imposed on each Cash  14. Default. You will be in default, and we may, without notifying you, 
   not a party may direct you or one of the other persons responsible under this  Advance from the transaction date and continue daily until the date each Cash  8. Change In Terms Of Your Account. We can change or add to any terms of  temporarily suspend your credit, close your account, cancel all Cards issued on 
   Agreement to pay the account.      Advance is paid in full.           your account at any time. We do not guarantee that the fees and the Annual  it and require immediate payment of your entire balance if any of the following 
                                      The FINANCE CHARGE for a billing cycle is computed by applying the monthly  Percentage Rates (APRs) on this account are for any particular length of time.  occurs:
   4. Authorizations. Some transactions on your account will require prior  Periodic Rate to the average daily balance of Credit Purchases and Cash Advances,  Future changes will be made in accordance with this Agreement and applicable  a. You fail to make a payment when it is due;
   approval. These prior approvals are called �authorizations�. We may limit the  which is determined by dividing the sum of the daily balances during the billing  law. We will provide you with such notice as is required by applicable law. Such  b.  You do not follow the terms of this Agreement in any way;
   number of authorizations we will give the account during any certain period  cycle by the number of days in the cycle. Each daily balance of Credit Purchases  changes may apply to the existing balance on your account as well as to future  c.  You have made any false or misleading statement on the application for your 
   of time (day, weekend, week) and we may deny an authorization if we suspect  and Cash Advances is determined by adding to the outstanding unpaid balance of  balances in accordance with this Agreement and applicable law. If required  account;
   that your account is being used without your permission. If our authorization  Credit Purchases and Cash Advances at the beginning of the billing cycle any new  by applicable law, we will permit you to reject certain types of changes, by  d. You fail to pay any other loans you owe us;
   system is not working fully, we may be unable to give an authorization. For  Credit Purchases and Cash Advances posted to your account, and subtracting any  providing us with written notice and closing your account and you would then  e.  You become insolvent or die;
   security reasons, we cannot explain the details of how the authorization system  payments as received and credits as posted to your account, but excluding any  be permitted to repay any balance on the account under the terms in effect prior  f.  There is an attachment, execution or levy against your property or you make 
   works. You agree that we will not be liable for failing to give an authorization.  unpaid FINANCE CHARGES. to the change. an assignment for the bene?t of creditors;
   Transactions at some participating merchants (such as hotels, car rental  VISA Platinum Periodic Rate for accounts opened on or after 1/6/2010: To  g.  A bankruptcy petition is ?led by or against you or your spouse;
   companies, restaurants and gas stations) may result in authorizations for  determine the Periodic Rate, we take the �Index Rate,� as de?ned below, add a  9. Savings Account Required. All applicants and co-applicants on a credit card  h.  A guardian, conservator, receiver, custodian or trustee is appointed for you;
   amounts greater than the actual purchase amount, which will have the effect  Margin and divide that number by 12 to arrive at the periodic rate. For example,  account must have an open savings account that carries a share par balance. You  i.  You are generally not paying your debts as they become due; or
   of making less credit available on your account for several days (usually until  if the index rate were 10.0% and the margin were 3.75%, the Periodic Rate for  must continue to be a member of the Credit Union and comply with the basic  j.  There has been a material adverse change in your ?nancial standing.
   the date the actual purchase amount is received from the merchant). We may,  that billing cycle would be 1.1458% (10.0% plus 3.75% divided by 12). A periodic  account requirements to maintain eligibility for this Account. You may close your 
   but are not required to, authorize transactions that will cause the balance on  rate of 1.1458% corresponds to an ANNUAL PERCENTAGE RATE of 13.75%. The  Account at any time by notifying us in writing and returning all Cards cut in half.
 In this Agreement the words �you� and �your� mean each and all of those  your account to exceed the credit limit, and you agree that you are liable for  margin is based on an evaluation of your credit history and may be reviewed and  10. Overdraft Protection Advances. Overdraft protection advances will begin 
 signing, using or having a credit Card account with Northwest Federal Credit  any such transactions as well as interest. If you make a transaction that would  adjusted annually. The Annual Percentage Rate will not be higher than 18.00%,  only if you designate your Card as an overdraft protection source in writing. If 
 Union, referred to as �we� and �us� or �Credit Union�. The �Card� means any  cause you to exceed your total credit limit we may (1) authorize the transaction  regardless of the index rate. your checking account does not have suf?cient available funds to cover any item 
 credit Card issued to you or those designated by you under the terms of this  without increasing your total credit limit; (2) authorize the transaction without  VISA Platinum Periodic Rate for accounts opened before 1/6/2010: To  presented and drawn on the account, any overdraft up to your unused credit 
 Agreement. �Use of the Card� means any procedures used by you, or someone  increasing your total credit limit and treat that amount as immediately due, or  determine the Periodic Rate, we take the �Index Rate,� as de?ned below, add  limit will be added to your credit Card account balance under this Agreement, 
 authorized by you, to make a purchase or obtain a cash advance whether or not  (3) deny authorization. If the authorization is denied we may notify the person 3.75 percentage points and divide that number by 12 to arrive at the periodic  if the Credit Union pays the item. The Credit Union has the right to refuse 
 the purchase or advance is evidenced by a signed written document. Virginia  who attempted the transaction that it has been refused. If we authorize a  rate. For example, if the index rate were 10.0%, the Periodic Rate for that billing  overdraft advances but will notify you of the refusal. If there is more than one 
 law will be used to interpret this Agreement unless federal law applies. The  transaction that causes your account to exceed its credit limit, it does not  cycle would be 1.1458% (10.0% plus 3.75% divided by 12). A periodic rate of  person listed on the checking account (such as a joint checking account) that 
 provisions of this Agreement are severable. If any provision of this Agreement is  mean that we will do so again in the future. In addition, we reserve the right  1.1458% corresponds to an ANNUAL PERCENTAGE RATE OF 13.75%. The margin  you have linked for Overdraft Protection, then: (1) you will be responsible for all 
 held by a court of law to be invalid or unenforceable the rest of this Agreement  to deny transactions or authorizations from merchants apparently engaging  may be reviewed and adjusted annually. The Annual Percentage Rate will not be  Overdraft Protection advances regardless of which person causes any item to be 
 will not be affected. in the Internet gambling business or identifying themselves through the Card  higher than 18.00%, regardless of the index rate.  presented or engages in any other transaction that causes the overdraft (checks, 
   transaction record or otherwise as engaged in such business. MasterCard Gold Card Periodic Rate for accounts opened on or after  ACH, debit Card, etc); and (2) you expressly consent to us disclosing to any other 
 1. Acceptance of Cardholder Agreement. By either using the account or  1/6/2010: To determine the Periodic Rate, we take the �Index Rate� as de?ned  person on that checking account that the checking account is linked to the Card 
 signing, using or accepting the plastic cards(s) issued to you by us (your  5. Special Features. You may receive separate information about special features  below, add a Margin and divide that number by 12 to arrive at the periodic  for Overdraft Protection. We reserve the right to cancel or suspend your Overdraft 
 �Card(s)�), you accept the terms and conditions of this Agreement. All Cards  of your Visa or MasterCard account. Your use of such features will be governed  rate. For example, if the index rate were 10.0% and the margin were 4.75%, the  Protection service at any time at our sole discretion, for any reason.
 issued to you remain our property and must be returned to us upon request.  both by the terms of this Agreement and by the terms contained in such  Periodic Rate for that billing cycle would be 1.2292% (10.0% plus 4.75% divided 
 Once you have received your Card, call the phone number shown on the front  separate information. by 12). A periodic rate of 1.2292% corresponds to an ANNUAL PERCENTAGE RATE  11. Credit Card Fees. We may charge your Card or your Account for Card related 
 of the Card to activate your Card. By activating your Card, you acknowledge you  of 14.75%. The margin is based on an evaluation of your credit history and may  fees. The application and payment of the fee will not correct the situation that 
 have received a copy of this disclosure. We may delay or deny access to your  6. Monthly Payment. Your monthly statement will tell you the total amount  be reviewed and adjusted annually. The Annual Percentage Rate will not be  caused the fee to be charged. Please refer to our current Credit Card Pricing 
 account until you have called to con?rm that you have received and activated  that you owe us, the minimum payment that you must make and your payment  higher than 18.00%, regardless of the index rate.  Information. 
 your Card. due date. The minimum payment for credit card accounts will be the greater of (1)  MasterCard Gold Card Periodic Rate for accounts opened before 1/6/2010:  Other Fees: (1) If you ask the Credit Union for statement research and 
   3% of the new balance or (2) $35.00. If the new balance of your account is less  To determine the Periodic Rate, we take the �Index Rate� as de?ned below, add  reconstruction services for any reason, you will be charged the same hourly rate 
 2. Credit Line. Your Card account will be an open end account. This means  than $35.00 the minimum payment will be the new balance.  7.75 percentage points and divide that number by 12 to arrive at the periodic  then being charged by the Credit Union for all of its checking accounts for that 
 that you may borrow the full amount of the line of credit, repay the principal,  You may pay the new balance in whole or in part at any time. We will not charge  rate. For example, if the index rate were 10.0%, the Periodic Rate for that billing  service; (2) Additional fees may be charged if agreed between you and us; and, 
 accrued interest and fees in full or in part, and borrow again up to your  you a penalty for paying more than the minimum payment. We will determine at  cycle would be 1.4792% (10.0% plus 7.75% divided by 12). A periodic rate of  (3) To the extent not prohibited by law, if you are in default, you agree to pay 
 maximum line of credit, as long as you continue to be creditworthy and a  our option, the order in which payments will be applied toward Purchases, Cash  1.4792% corresponds to an ANNUAL PERCENTAGE RATE of 17.75%. The margin  our collections costs, attorney�s fees and court costs incurred in enforcing our 
 member of the Credit Union in good standing. To remain in good standing, you  Advances, Balance Transfer, unpaid Finance Charges and other Fees and Charges  may be reviewed and adjusted annually. The Annual Percentage Rate will not be  rights under this Agreement. 
 must meet your entire loan and account obligations to the Credit Union and  in accordance with applicable laws. We may accept checks marked �payment in  higher than 18.00%, regardless of the index rate.  We may waive any of the fees in this Agreement at our discretion; however,
 comply with applicable laws and the Credit Union�s bylaws. You agree to not use  full� or with words of similar effect without losing any of our rights to collect the  MasterCard Gold Card with Annual Fee Periodic Rate (No longer offered to  we reserve the right to begin charging any fee that was previously waived 
 your Card when the use will exceed your total credit limit. You also agree that  full balance of your account with us. In addition, any past due amount is due and  new Cardholders as of 1/6/2010): To determine the Periodic Rate, we take  without providing prior notice to you.
 we are not obligated to extend credit to you for an amount that would make  payable immediately. If your balance exceeds your credit limit, we also require that  the �Index Rate� as de?ned below, add 5.75 percentage points and divide that 
 your outstanding balance exceed your total credit limit or for any amount if your  you pay the over limit amount. number by 12 to arrive at the periodic rate. For example, if the index rate were  12. Reevaluation of Credit. We can reinvestigate and reevaluate any 
 outstanding balance is already over the total credit limit. We can change your  10.0%, the Periodic Rate for that billing cycle would be 1.3125% (10.0% plus  information you provided on your credit application at any time, and in the 
 credit limit at any time. If we allow you to use your account for more than your  Any payment submitted to us in the form of a check or other paper document  5.75% divided by 12). A periodic rate of 1.3125% corresponds to an ANNUAL  course of doing so, we may ask you for additional information, request credit 
 limit, you still agree to pay the full amount you owe us. We may decline to honor  may be converted to an electronic transaction through procedures established by  PERCENTAGE RATE of 15.75%. The margin may be reviewed and adjusted  bureau reports and/or otherwise verify your current credit standing.
 any transactions for any reason. You agree that you will not use your account for  the National Automated Clearing House Association. If this occurs, the original  annually. The Annual Percentage Rate will not be higher than 18.00%, regardless 
 any transaction that is illegal under any applicable law. check or other document that you send to us will not be retained, but a copy  of the index rate. 13. Account Closing. We may cancel, revoke, reduce the amount of your credit 
   would be available if requested.   The Index Rate used for calculating your Periodic Rate for a billing cycle is the  line or suspend your rights under this Agreement and require the return of the 
 3. Promise To Pay. You agree to pay us the amount of purchases, cash Prime Rate published in the Wall Street Journal on the last business day of the  Card(s) for any reason, including your default, without notice to you except in 
 advances, balance transfers, fees and ?nance charges that you, your coapplicant  7. Finance Charges, Grace Period and Index Rate. A FINANCE CHARGE will  prior month (the �Periodic Rate Adjustment Date�). There are 12 Periodic Rate  those situations where notice is required by law. You may also close the account 
 and/or authorized users make (even if we didn�t issue a Card in that person�s  be imposed on Credit Purchases only if you elect not to pay the entire New  Adjustment Dates per year.  at any time by notifying us in writing and returning all Cards. If the account 
 name) and whether or not you notify us that he or she will be using it. Each  Balance of purchases shown on your monthly statement for the previous billing  Because the Index Rate may go up or down, the Periodic rate applied to your  is closed or we terminate or suspend your credit privileges for any reason, 
 person who uses the Card(s) or permits another to use the Card(s) agrees to  cycle within 25 days from the closing date of that statement. If you elect not  Average Daily Purchases Balance or Average Daily Cash Advance Balance, as the  you must still repay any unpaid balance you owe to us including charges and 
 be jointly and severally liable to the Credit Union for all obligations due to the  to pay the entire New Balance of purchases shown on your previous monthly  case may be, may also increase or decrease, thereby increasing or decreasing the  or transactions not yet received by us, as well as subsequent Finance Charges 
 Credit Union hereunder. If another person has use of your account and you want  statement within that 25-day period, a FINANCE CHARGE will be imposed on  number of payments you will be required to make in order to repay your Total  and other charges according to the terms of this Agreement. Each Card is our 
 to end that person�s privilege, you must recover and return that person�s Card,  the unpaid average daily balance of such Credit Purchases from the previous  New Balance. property and you agree that the Cards are not transferable and to surrender any 
 if any. If you are unable to recover and return the Card, you will continue to be  statement closing date and on new Credit Purchases from the date of posting to  The Periodic Rate that is applied to your Average Daily Purchases Balance and  Card upon demand. If this is a joint account, either person who is liable on the 
 liable for any charges made unless you tell us to cancel all Cards and establish  your account during the current billing cycle, and will continue to accrue until  Average Daily Cash Advance Balance appears on your monthly statement. The  account may give notice to cancel the account, and we may close it without 
 a new account for you. We will automatically cancel all Cards if you notify us of  the closing date of the billing cycle preceding the date on which the entire New  Periodic Rate, in effect at the time of your Card approval, was provided to you in  notifying the other liable person.
 unauthorized use. Your obligation to pay the account balance continues even  Balance of purchases is paid in full or until the date of payment if more than  a separate Credit Union initial welcome and or acceptance letter.
 though an agreement, divorce decree or other court judgment to which we are  25 days from the closing date. A FINANCE CHARGE will be imposed on each Cash  14. Default. You will be in default, and we may, without notifying you, 
 not a party may direct you or one of the other persons responsible under this  Advance from the transaction date and continue daily until the date each Cash  8. Change In Terms Of Your Account. We can change or add to any terms of  temporarily suspend your credit, close your account, cancel all Cards issued on 
 Agreement to pay the account. Advance is paid in full. your account at any time. We do not guarantee that the fees and the Annual  it and require immediate payment of your entire balance if any of the following 
   The FINANCE CHARGE for a billing cycle is computed by applying the monthly  Percentage Rates (APRs) on this account are for any particular length of time.  occurs:
 4. Authorizations. Some transactions on your account will require prior  Periodic Rate to the average daily balance of Credit Purchases and Cash Advances,  Future changes will be made in accordance with this Agreement and applicable  a. You fail to make a payment when it is due;
 approval. These prior approvals are called �authorizations�. We may limit the  which is determined by dividing the sum of the daily balances during the billing  law. We will provide you with such notice as is required by applicable law. Such  b.  You do not follow the terms of this Agreement in any way;
 number of authorizations we will give the account during any certain period  cycle by the number of days in the cycle. Each daily balance of Credit Purchases  changes may apply to the existing balance on your account as well as to future  c.  You have made any false or misleading statement on the application for your 
 of time (day, weekend, week) and we may deny an authorization if we suspect  and Cash Advances is determined by adding to the outstanding unpaid balance of  balances in accordance with this Agreement and applicable law. If required  account;
 that your account is being used without your permission. If our authorization  Credit Purchases and Cash Advances at the beginning of the billing cycle any new  by applicable law, we will permit you to reject certain types of changes, by  d. You fail to pay any other loans you owe us;
 system is not working fully, we may be unable to give an authorization. For  Credit Purchases and Cash Advances posted to your account, and subtracting any  providing us with written notice and closing your account and you would then  e.  You become insolvent or die;
 security reasons, we cannot explain the details of how the authorization system  payments as received and credits as posted to your account, but excluding any  be permitted to repay any balance on the account under the terms in effect prior  f.  There is an attachment, execution or levy against your property or you make 
 works. You agree that we will not be liable for failing to give an authorization.  unpaid FINANCE CHARGES. to the change. an assignment for the bene?t of creditors;
 Transactions at some participating merchants (such as hotels, car rental  VISA Platinum Periodic Rate for accounts opened on or after 1/6/2010: To  g.  A bankruptcy petition is ?led by or against you or your spouse;
 companies, restaurants and gas stations) may result in authorizations for  determine the Periodic Rate, we take the �Index Rate,� as de?ned below, add a  9. Savings Account Required. All applicants and co-applicants on a credit card  h.  A guardian, conservator, receiver, custodian or trustee is appointed for you;
 amounts greater than the actual purchase amount, which will have the effect  Margin and divide that number by 12 to arrive at the periodic rate. For example,  account must have an open savings account that carries a share par balance. You  i.  You are generally not paying your debts as they become due; or
 of making less credit available on your account for several days (usually until  if the index rate were 10.0% and the margin were 3.75%, the Periodic Rate for  must continue to be a member of the Credit Union and comply with the basic  j.  There has been a material adverse change in your ?nancial standing.
 the date the actual purchase amount is received from the merchant). We may,  that billing cycle would be 1.1458% (10.0% plus 3.75% divided by 12). A periodic  account requirements to maintain eligibility for this Account. You may close your 
 but are not required to, authorize transactions that will cause the balance on  rate of 1.1458% corresponds to an ANNUAL PERCENTAGE RATE of 13.75%. The  Account at any time by notifying us in writing and returning all Cards cut in half.
 In this Agreement the words �you� and �your� mean each and all of those  your account to exceed the credit limit, and you agree that you are liable for  margin is based on an evaluation of your credit history and may be reviewed and  10. Overdraft Protection Advances. Overdraft protection advances will begin 
 signing, using or having a credit Card account with Northwest Federal Credit  any such transactions as well as interest. If you make a transaction that would  adjusted annually. The Annual Percentage Rate will not be higher than 18.00%,  only if you designate your Card as an overdraft protection source in writing. If 
 Union, referred to as �we� and �us� or �Credit Union�. The �Card� means any  cause you to exceed your total credit limit we may (1) authorize the transaction  regardless of the index rate. your checking account does not have suf?cient available funds to cover any item 
 credit Card issued to you or those designated by you under the terms of this  without increasing your total credit limit; (2) authorize the transaction without  VISA Platinum Periodic Rate for accounts opened before 1/6/2010: To  presented and drawn on the account, any overdraft up to your unused credit 
 Agreement. �Use of the Card� means any procedures used by you, or someone  increasing your total credit limit and treat that amount as immediately due, or  determine the Periodic Rate, we take the �Index Rate,� as de?ned below, add  limit will be added to your credit Card account balance under this Agreement, 
 authorized by you, to make a purchase or obtain a cash advance whether or not  (3) deny authorization. If the authorization is denied we may notify the person 3.75 percentage points and divide that number by 12 to arrive at the periodic  if the Credit Union pays the item. The Credit Union has the right to refuse 
 the purchase or advance is evidenced by a signed written document. Virginia  who attempted the transaction that it has been refused. If we authorize a  rate. For example, if the index rate were 10.0%, the Periodic Rate for that billing  overdraft advances but will notify you of the refusal. If there is more than one 
 law will be used to interpret this Agreement unless federal law applies. The  transaction that causes your account to exceed its credit limit, it does not  cycle would be 1.1458% (10.0% plus 3.75% divided by 12). A periodic rate of  person listed on the checking account (such as a joint checking account) that 
 provisions of this Agreement are severable. If any provision of this Agreement is  mean that we will do so again in the future. In addition, we reserve the right  1.1458% corresponds to an ANNUAL PERCENTAGE RATE OF 13.75%. The margin  you have linked for Overdraft Protection, then: (1) you will be responsible for all 
 held by a court of law to be invalid or unenforceable the rest of this Agreement  to deny transactions or authorizations from merchants apparently engaging  may be reviewed and adjusted annually. The Annual Percentage Rate will not be  Overdraft Protection advances regardless of which person causes any item to be 
 will not be affected. in the Internet gambling business or identifying themselves through the Card  higher than 18.00%, regardless of the index rate.  presented or engages in any other transaction that causes the overdraft (checks, 
 transaction record or otherwise as engaged in such business. MasterCard Gold Card Periodic Rate for accounts opened on or after  ACH, debit Card, etc); and (2) you expressly consent to us disclosing to any other 
 1. Acceptance of Cardholder Agreement. By either using the account or  1/6/2010: To determine the Periodic Rate, we take the �Index Rate� as de?ned  person on that checking account that the checking account is linked to the Card 
 signing, using or accepting the plastic cards(s) issued to you by us (your  5. Special Features. You may receive separate information about special features  below, add a Margin and divide that number by 12 to arrive at the periodic  for Overdraft Protection. We reserve the right to cancel or suspend your Overdraft 
 �Card(s)�), you accept the terms and conditions of this Agreement. All Cards  of your Visa or MasterCard account. Your use of such features will be governed  rate. For example, if the index rate were 10.0% and the margin were 4.75%, the  Protection service at any time at our sole discretion, for any reason.
 issued to you remain our property and must be returned to us upon request.  both by the terms of this Agreement and by the terms contained in such  Periodic Rate for that billing cycle would be 1.2292% (10.0% plus 4.75% divided 
 Once you have received your Card, call the phone number shown on the front  separate information. by 12). A periodic rate of 1.2292% corresponds to an ANNUAL PERCENTAGE RATE  11. Credit Card Fees. We may charge your Card or your Account for Card related 
 of the Card to activate your Card. By activating your Card, you acknowledge you  of 14.75%. The margin is based on an evaluation of your credit history and may  fees. The application and payment of the fee will not correct the situation that 
 have received a copy of this disclosure. We may delay or deny access to your  6. Monthly Payment. Your monthly statement will tell you the total amount  be reviewed and adjusted annually. The Annual Percentage Rate will not be  caused the fee to be charged. Please refer to our current Credit Card Pricing 
 account until you have called to con?rm that you have received and activated  that you owe us, the minimum payment that you must make and your payment  higher than 18.00%, regardless of the index rate.  Information. 
 your Card. due date. The minimum payment for credit card accounts will be the greater of (1)  MasterCard Gold Card Periodic Rate for accounts opened before 1/6/2010:  Other Fees: (1) If you ask the Credit Union for statement research and 
 3% of the new balance or (2) $35.00. If the new balance of your account is less  To determine the Periodic Rate, we take the �Index Rate� as de?ned below, add  reconstruction services for any reason, you will be charged the same hourly rate 
 2. Credit Line. Your Card account will be an open end account. This means  than $35.00 the minimum payment will be the new balance.  7.75 percentage points and divide that number by 12 to arrive at the periodic  then being charged by the Credit Union for all of its checking accounts for that 
 that you may borrow the full amount of the line of credit, repay the principal,  You may pay the new balance in whole or in part at any time. We will not charge  rate. For example, if the index rate were 10.0%, the Periodic Rate for that billing  service; (2) Additional fees may be charged if agreed between you and us; and, 
 accrued interest and fees in full or in part, and borrow again up to your  you a penalty for paying more than the minimum payment. We will determine at  cycle would be 1.4792% (10.0% plus 7.75% divided by 12). A periodic rate of  (3) To the extent not prohibited by law, if you are in default, you agree to pay 
 maximum line of credit, as long as you continue to be creditworthy and a  our option, the order in which payments will be applied toward Purchases, Cash  1.4792% corresponds to an ANNUAL PERCENTAGE RATE of 17.75%. The margin  our collections costs, attorney�s fees and court costs incurred in enforcing our 
 member of the Credit Union in good standing. To remain in good standing, you  Advances, Balance Transfer, unpaid Finance Charges and other Fees and Charges  may be reviewed and adjusted annually. The Annual Percentage Rate will not be  rights under this Agreement. 
 must meet your entire loan and account obligations to the Credit Union and  in accordance with applicable laws. We may accept checks marked �payment in  higher than 18.00%, regardless of the index rate.  We may waive any of the fees in this Agreement at our discretion; however,
 comply with applicable laws and the Credit Union�s bylaws. You agree to not use  full� or with words of similar effect without losing any of our rights to collect the  MasterCard Gold Card with Annual Fee Periodic Rate (No longer offered to  we reserve the right to begin charging any fee that was previously waived 
 your Card when the use will exceed your total credit limit. You also agree that  full balance of your account with us. In addition, any past due amount is due and  new Cardholders as of 1/6/2010): To determine the Periodic Rate, we take  without providing prior notice to you.
 we are not obligated to extend credit to you for an amount that would make  payable immediately. If your balance exceeds your credit limit, we also require that  the �Index Rate� as de?ned below, add 5.75 percentage points and divide that 
 your outstanding balance exceed your total credit limit or for any amount if your  you pay the over limit amount. number by 12 to arrive at the periodic rate. For example, if the index rate were  12. Reevaluation of Credit. We can reinvestigate and reevaluate any 
 outstanding balance is already over the total credit limit. We can change your  10.0%, the Periodic Rate for that billing cycle would be 1.3125% (10.0% plus  information you provided on your credit application at any time, and in the 
 credit limit at any time. If we allow you to use your account for more than your  Any payment submitted to us in the form of a check or other paper document  5.75% divided by 12). A periodic rate of 1.3125% corresponds to an ANNUAL  course of doing so, we may ask you for additional information, request credit 
 limit, you still agree to pay the full amount you owe us. We may decline to honor  may be converted to an electronic transaction through procedures established by  PERCENTAGE RATE of 15.75%. The margin may be reviewed and adjusted  bureau reports and/or otherwise verify your current credit standing.
 any transactions for any reason. You agree that you will not use your account for  the National Automated Clearing House Association. If this occurs, the original  annually. The Annual Percentage Rate will not be higher than 18.00%, regardless 
 any transaction that is illegal under any applicable law. check or other document that you send to us will not be retained, but a copy  of the index rate. 13. Account Closing. We may cancel, revoke, reduce the amount of your credit 
 would be available if requested. The Index Rate used for calculating your Periodic Rate for a billing cycle is the  line or suspend your rights under this Agreement and require the return of the 
 3. Promise To Pay. You agree to pay us the amount of purchases, cash Prime Rate published in the Wall Street Journal on the last business day of the  Card(s) for any reason, including your default, without notice to you except in 
 advances, balance transfers, fees and ?nance charges that you, your coapplicant  7. Finance Charges, Grace Period and Index Rate. A FINANCE CHARGE will  prior month (the �Periodic Rate Adjustment Date�). There are 12 Periodic Rate  those situations where notice is required by law. You may also close the account 
 and/or authorized users make (even if we didn�t issue a Card in that person�s  be imposed on Credit Purchases only if you elect not to pay the entire New  Adjustment Dates per year.  at any time by notifying us in writing and returning all Cards. If the account 
 name) and whether or not you notify us that he or she will be using it. Each  Balance of purchases shown on your monthly statement for the previous billing  Because the Index Rate may go up or down, the Periodic rate applied to your  is closed or we terminate or suspend your credit privileges for any reason, 
 person who uses the Card(s) or permits another to use the Card(s) agrees to  cycle within 25 days from the closing date of that statement. If you elect not  Average Daily Purchases Balance or Average Daily Cash Advance Balance, as the  you must still repay any unpaid balance you owe to us including charges and 
 be jointly and severally liable to the Credit Union for all obligations due to the  to pay the entire New Balance of purchases shown on your previous monthly  case may be, may also increase or decrease, thereby increasing or decreasing the  or transactions not yet received by us, as well as subsequent Finance Charges 
 Credit Union hereunder. If another person has use of your account and you want  statement within that 25-day period, a FINANCE CHARGE will be imposed on  number of payments you will be required to make in order to repay your Total  and other charges according to the terms of this Agreement. Each Card is our 
 to end that person�s privilege, you must recover and return that person�s Card,  the unpaid average daily balance of such Credit Purchases from the previous  New Balance. property and you agree that the Cards are not transferable and to surrender any 
 if any. If you are unable to recover and return the Card, you will continue to be  statement closing date and on new Credit Purchases from the date of posting to  The Periodic Rate that is applied to your Average Daily Purchases Balance and  Card upon demand. If this is a joint account, either person who is liable on the 
 liable for any charges made unless you tell us to cancel all Cards and establish  your account during the current billing cycle, and will continue to accrue until  Average Daily Cash Advance Balance appears on your monthly statement. The  account may give notice to cancel the account, and we may close it without 
 a new account for you. We will automatically cancel all Cards if you notify us of  the closing date of the billing cycle preceding the date on which the entire New  Periodic Rate, in effect at the time of your Card approval, was provided to you in  notifying the other liable person.
 unauthorized use. Your obligation to pay the account balance continues even  Balance of purchases is paid in full or until the date of payment if more than  a separate Credit Union initial welcome and or acceptance letter.
 though an agreement, divorce decree or other court judgment to which we are  25 days from the closing date. A FINANCE CHARGE will be imposed on each Cash  14. Default. You will be in default, and we may, without notifying you, 
 not a party may direct you or one of the other persons responsible under this  Advance from the transaction date and continue daily until the date each Cash  8. Change In Terms Of Your Account. We can change or add to any terms of  temporarily suspend your credit, close your account, cancel all Cards issued on 
 Agreement to pay the account. Advance is paid in full. your account at any time. We do not guarantee that the fees and the Annual  it and require immediate payment of your entire balance if any of the following 
 The FINANCE CHARGE for a billing cycle is computed by applying the monthly  Percentage Rates (APRs) on this account are for any particular length of time.  occurs:
 4. Authorizations. Some transactions on your account will require prior  Periodic Rate to the average daily balance of Credit Purchases and Cash Advances,  Future changes will be made in accordance with this Agreement and applicable  a. You fail to make a payment when it is due;
 approval. These prior approvals are called �authorizations�. We may limit the  which is determined by dividing the sum of the daily balances during the billing  law. We will provide you with such notice as is required by applicable law. Such  b.  You do not follow the terms of this Agreement in any way;
 number of authorizations we will give the account during any certain period  cycle by the number of days in the cycle. Each daily balance of Credit Purchases  changes may apply to the existing balance on your account as well as to future  c.  You have made any false or misleading statement on the application for your 
 of time (day, weekend, week) and we may deny an authorization if we suspect  and Cash Advances is determined by adding to the outstanding unpaid balance of  balances in accordance with this Agreement and applicable law. If required  account;
 that your account is being used without your permission. If our authorization  Credit Purchases and Cash Advances at the beginning of the billing cycle any new  by applicable law, we will permit you to reject certain types of changes, by  d. You fail to pay any other loans you owe us;
 system is not working fully, we may be unable to give an authorization. For  Credit Purchases and Cash Advances posted to your account, and subtracting any  providing us with written notice and closing your account and you would then  e.  You become insolvent or die;
 security reasons, we cannot explain the details of how the authorization system  payments as received and credits as posted to your account, but excluding any  be permitted to repay any balance on the account under the terms in effect prior  f.  There is an attachment, execution or levy against your property or you make 
 works. You agree that we will not be liable for failing to give an authorization.  unpaid FINANCE CHARGES. to the change. an assignment for the bene?t of creditors;
 Transactions at some participating merchants (such as hotels, car rental  VISA Platinum Periodic Rate for accounts opened on or after 1/6/2010: To  g.  A bankruptcy petition is ?led by or against you or your spouse;
 companies, restaurants and gas stations) may result in authorizations for  determine the Periodic Rate, we take the �Index Rate,� as de?ned below, add a  9. Savings Account Required. All applicants and co-applicants on a credit card  h.  A guardian, conservator, receiver, custodian or trustee is appointed for you;
 amounts greater than the actual purchase amount, which will have the effect  Margin and divide that number by 12 to arrive at the periodic rate. For example,  account must have an open savings account that carries a share par balance. You  i.  You are generally not paying your debts as they become due; or
 of making less credit available on your account for several days (usually until  if the index rate were 10.0% and the margin were 3.75%, the Periodic Rate for  must continue to be a member of the Credit Union and comply with the basic  j.  There has been a material adverse change in your ?nancial standing.
 the date the actual purchase amount is received from the merchant). We may,  that billing cycle would be 1.1458% (10.0% plus 3.75% divided by 12). A periodic  account requirements to maintain eligibility for this Account. You may close your 
 but are not required to, authorize transactions that will cause the balance on  rate of 1.1458% corresponds to an ANNUAL PERCENTAGE RATE of 13.75%. The  Account at any time by notifying us in writing and returning all Cards cut in half.
 In this Agreement the words �you� and �your� mean each and all of those  your account to exceed the credit limit, and you agree that you are liable for  margin is based on an evaluation of your credit history and may be reviewed and  10. Overdraft Protection Advances. Overdraft protection advances will begin 
 signing, using or having a credit Card account with Northwest Federal Credit  any such transactions as well as interest. If you make a transaction that would  adjusted annually. The Annual Percentage Rate will not be higher than 18.00%,  only if you designate your Card as an overdraft protection source in writing. If 
 Union, referred to as �we� and �us� or �Credit Union�. The �Card� means any  cause you to exceed your total credit limit we may (1) authorize the transaction  regardless of the index rate. your checking account does not have suf?cient available funds to cover any item 
 credit Card issued to you or those designated by you under the terms of this  without increasing your total credit limit; (2) authorize the transaction without  VISA Platinum Periodic Rate for accounts opened before 1/6/2010: To  presented and drawn on the account, any overdraft up to your unused credit 
 Agreement. �Use of the Card� means any procedures used by you, or someone  increasing your total credit limit and treat that amount as immediately due, or  determine the Periodic Rate, we take the �Index Rate,� as de?ned below, add  limit will be added to your credit Card account balance under this Agreement, 
 authorized by you, to make a purchase or obtain a cash advance whether or not  (3) deny authorization. If the authorization is denied we may notify the person 3.75 percentage points and divide that number by 12 to arrive at the periodic  if the Credit Union pays the item. The Credit Union has the right to refuse 
 the purchase or advance is evidenced by a signed written document. Virginia  who attempted the transaction that it has been refused. If we authorize a  rate. For example, if the index rate were 10.0%, the Periodic Rate for that billing  overdraft advances but will notify you of the refusal. If there is more than one 
 law will be used to interpret this Agreement unless federal law applies. The  transaction that causes your account to exceed its credit limit, it does not  cycle would be 1.1458% (10.0% plus 3.75% divided by 12). A periodic rate of  person listed on the checking account (such as a joint checking account) that 
 provisions of this Agreement are severable. If any provision of this Agreement is  mean that we will do so again in the future. In addition, we reserve the right  1.1458% corresponds to an ANNUAL PERCENTAGE RATE OF 13.75%. The margin  you have linked for Overdraft Protection, then: (1) you will be responsible for all 
 held by a court of law to be invalid or unenforceable the rest of this Agreement  to deny transactions or authorizations from merchants apparently engaging  may be reviewed and adjusted annually. The Annual Percentage Rate will not be  Overdraft Protection advances regardless of which person causes any item to be 
 will not be affected. in the Internet gambling business or identifying themselves through the Card  higher than 18.00%, regardless of the index rate.  presented or engages in any other transaction that causes the overdraft (checks, 
 transaction record or otherwise as engaged in such business. MasterCard Gold Card Periodic Rate for accounts opened on or after  ACH, debit Card, etc); and (2) you expressly consent to us disclosing to any other 
 1. Acceptance of Cardholder Agreement. By either using the account or  1/6/2010: To determine the Periodic Rate, we take the �Index Rate� as de?ned  person on that checking account that the checking account is linked to the Card 
 signing, using or accepting the plastic cards(s) issued to you by us (your  5. Special Features. You may receive separate information about special features  below, add a Margin and divide that number by 12 to arrive at the periodic  for Overdraft Protection. We reserve the right to cancel or suspend your Overdraft 
 �Card(s)�), you accept the terms and conditions of this Agreement. All Cards  of your Visa or MasterCard account. Your use of such features will be governed  rate. For example, if the index rate were 10.0% and the margin were 4.75%, the  Protection service at any time at our sole discretion, for any reason.
 issued to you remain our property and must be returned to us upon request.  both by the terms of this Agreement and by the terms contained in such  Periodic Rate for that billing cycle would be 1.2292% (10.0% plus 4.75% divided 
 Once you have received your Card, call the phone number shown on the front  separate information. by 12). A periodic rate of 1.2292% corresponds to an ANNUAL PERCENTAGE RATE  11. Credit Card Fees. We may charge your Card or your Account for Card related 
 of the Card to activate your Card. By activating your Card, you acknowledge you  of 14.75%. The margin is based on an evaluation of your credit history and may  fees. The application and payment of the fee will not correct the situation that 
 have received a copy of this disclosure. We may delay or deny access to your  6. Monthly Payment. Your monthly statement will tell you the total amount  be reviewed and adjusted annually. The Annual Percentage Rate will not be  caused the fee to be charged. Please refer to our current Credit Card Pricing 
 account until you have called to con?rm that you have received and activated  that you owe us, the minimum payment that you must make and your payment  higher than 18.00%, regardless of the index rate.  Information. 
 your Card. due date. The minimum payment for credit card accounts will be the greater of (1)  MasterCard Gold Card Periodic Rate for accounts opened before 1/6/2010:  Other Fees: (1) If you ask the Credit Union for statement research and 
 3% of the new balance or (2) $35.00. If the new balance of your account is less  To determine the Periodic Rate, we take the �Index Rate� as de?ned below, add  reconstruction services for any reason, you will be charged the same hourly rate 
 2. Credit Line. Your Card account will be an open end account. This means  than $35.00 the minimum payment will be the new balance.  7.75 percentage points and divide that number by 12 to arrive at the periodic  then being charged by the Credit Union for all of its checking accounts for that 
 that you may borrow the full amount of the line of credit, repay the principal,  You may pay the new balance in whole or in part at any time. We will not charge  rate. For example, if the index rate were 10.0%, the Periodic Rate for that billing  service; (2) Additional fees may be charged if agreed between you and us; and, 
 accrued interest and fees in full or in part, and borrow again up to your  you a penalty for paying more than the minimum payment. We will determine at  cycle would be 1.4792% (10.0% plus 7.75% divided by 12). A periodic rate of  (3) To the extent not prohibited by law, if you are in default, you agree to pay 
 maximum line of credit, as long as you continue to be creditworthy and a  our option, the order in which payments will be applied toward Purchases, Cash  1.4792% corresponds to an ANNUAL PERCENTAGE RATE of 17.75%. The margin  our collections costs, attorney�s fees and court costs incurred in enforcing our 
 member of the Credit Union in good standing. To remain in good standing, you  Advances, Balance Transfer, unpaid Finance Charges and other Fees and Charges  may be reviewed and adjusted annually. The Annual Percentage Rate will not be  rights under this Agreement. 
 must meet your entire loan and account obligations to the Credit Union and  in accordance with applicable laws. We may accept checks marked �payment in  higher than 18.00%, regardless of the index rate.  We may waive any of the fees in this Agreement at our discretion; however,
 comply with applicable laws and the Credit Union�s bylaws. You agree to not use  full� or with words of similar effect without losing any of our rights to collect the  MasterCard Gold Card with Annual Fee Periodic Rate (No longer offered to  we reserve the right to begin charging any fee that was previously waived 
 your Card when the use will exceed your total credit limit. You also agree that  full balance of your account with us. In addition, any past due amount is due and  new Cardholders as of 1/6/2010): To determine the Periodic Rate, we take  without providing prior notice to you.
 we are not obligated to extend credit to you for an amount that would make  payable immediately. If your balance exceeds your credit limit, we also require that  the �Index Rate� as de?ned below, add 5.75 percentage points and divide that 
 your outstanding balance exceed your total credit limit or for any amount if your  you pay the over limit amount. number by 12 to arrive at the periodic rate. For example, if the index rate were  12. Reevaluation of Credit. We can reinvestigate and reevaluate any 
 outstanding balance is already over the total credit limit. We can change your  10.0%, the Periodic Rate for that billing cycle would be 1.3125% (10.0% plus  information you provided on your credit application at any time, and in the 
 credit limit at any time. If we allow you to use your account for more than your  Any payment submitted to us in the form of a check or other paper document  5.75% divided by 12). A periodic rate of 1.3125% corresponds to an ANNUAL  course of doing so, we may ask you for additional information, request credit 
 limit, you still agree to pay the full amount you owe us. We may decline to honor  may be converted to an electronic transaction through procedures established by  PERCENTAGE RATE of 15.75%. The margin may be reviewed and adjusted  bureau reports and/or otherwise verify your current credit standing.
 any transactions for any reason. You agree that you will not use your account for  the National Automated Clearing House Association. If this occurs, the original  annually. The Annual Percentage Rate will not be higher than 18.00%, regardless 
 any transaction that is illegal under any applicable law. check or other document that you send to us will not be retained, but a copy  of the index rate. 13. Account Closing. We may cancel, revoke, reduce the amount of your credit 
 would be available if requested. The Index Rate used for calculating your Periodic Rate for a billing cycle is the  line or suspend your rights under this Agreement and require the return of the 
 3. Promise To Pay. You agree to pay us the amount of purchases, cash Prime Rate published in the Wall Street Journal on the last business day of the  Card(s) for any reason, including your default, without notice to you except in 
 advances, balance transfers, fees and ?nance charges that you, your coapplicant  7. Finance Charges, Grace Period and Index Rate. A FINANCE CHARGE will  prior month (the �Periodic Rate Adjustment Date�). There are 12 Periodic Rate  those situations where notice is required by law. You may also close the account 
 and/or authorized users make (even if we didn�t issue a Card in that person�s  be imposed on Credit Purchases only if you elect not to pay the entire New  Adjustment Dates per year.  at any time by notifying us in writing and returning all Cards. If the account 
 name) and whether or not you notify us that he or she will be using it. Each  Balance of purchases shown on your monthly statement for the previous billing  Because the Index Rate may go up or down, the Periodic rate applied to your  is closed or we terminate or suspend your credit privileges for any reason, 
 person who uses the Card(s) or permits another to use the Card(s) agrees to  cycle within 25 days from the closing date of that statement. If you elect not  Average Daily Purchases Balance or Average Daily Cash Advance Balance, as the  you must still repay any unpaid balance you owe to us including charges and 
 be jointly and severally liable to the Credit Union for all obligations due to the  to pay the entire New Balance of purchases shown on your previous monthly  case may be, may also increase or decrease, thereby increasing or decreasing the  or transactions not yet received by us, as well as subsequent Finance Charges 
 Credit Union hereunder. If another person has use of your account and you want  statement within that 25-day period, a FINANCE CHARGE will be imposed on  number of payments you will be required to make in order to repay your Total  and other charges according to the terms of this Agreement. Each Card is our 
 to end that person�s privilege, you must recover and return that person�s Card,  the unpaid average daily balance of such Credit Purchases from the previous  New Balance. property and you agree that the Cards are not transferable and to surrender any 
 if any. If you are unable to recover and return the Card, you will continue to be  statement closing date and on new Credit Purchases from the date of posting to  The Periodic Rate that is applied to your Average Daily Purchases Balance and  Card upon demand. If this is a joint account, either person who is liable on the 
 liable for any charges made unless you tell us to cancel all Cards and establish  your account during the current billing cycle, and will continue to accrue until  Average Daily Cash Advance Balance appears on your monthly statement. The  account may give notice to cancel the account, and we may close it without 
 a new account for you. We will automatically cancel all Cards if you notify us of  the closing date of the billing cycle preceding the date on which the entire New  Periodic Rate, in effect at the time of your Card approval, was provided to you in  notifying the other liable person.
 unauthorized use. Your obligation to pay the account balance continues even  Balance of purchases is paid in full or until the date of payment if more than  a separate Credit Union initial welcome and or acceptance letter.
 though an agreement, divorce decree or other court judgment to which we are  25 days from the closing date. A FINANCE CHARGE will be imposed on each Cash  14. Default. You will be in default, and we may, without notifying you, 
 not a party may direct you or one of the other persons responsible under this  Advance from the transaction date and continue daily until the date each Cash  8. Change In Terms Of Your Account. We can change or add to any terms of  temporarily suspend your credit, close your account, cancel all Cards issued on 
 Agreement to pay the account. Advance is paid in full. your account at any time. We do not guarantee that the fees and the Annual  it and require immediate payment of your entire balance if any of the following 
 The FINANCE CHARGE for a billing cycle is computed by applying the monthly  Percentage Rates (APRs) on this account are for any particular length of time.  occurs:
 4. Authorizations. Some transactions on your account will require prior  Periodic Rate to the average daily balance of Credit Purchases and Cash Advances,  Future changes will be made in accordance with this Agreement and applicable  a. You fail to make a payment when it is due;
 approval. These prior approvals are called �authorizations�. We may limit the  which is determined by dividing the sum of the daily balances during the billing  law. We will provide you with such notice as is required by applicable law. Such  b.  You do not follow the terms of this Agreement in any way;
 number of authorizations we will give the account during any certain period  cycle by the number of days in the cycle. Each daily balance of Credit Purchases  changes may apply to the existing balance on your account as well as to future  c.  You have made any false or misleading statement on the application for your 
 of time (day, weekend, week) and we may deny an authorization if we suspect  and Cash Advances is determined by adding to the outstanding unpaid balance of  balances in accordance with this Agreement and applicable law. If required  account;
 that your account is being used without your permission. If our authorization  Credit Purchases and Cash Advances at the beginning of the billing cycle any new  by applicable law, we will permit you to reject certain types of changes, by  d. You fail to pay any other loans you owe us;
 system is not working fully, we may be unable to give an authorization. For  Credit Purchases and Cash Advances posted to your account, and subtracting any  providing us with written notice and closing your account and you would then  e.  You become insolvent or die;
 security reasons, we cannot explain the details of how the authorization system  payments as received and credits as posted to your account, but excluding any  be permitted to repay any balance on the account under the terms in effect prior  f.  There is an attachment, execution or levy against your property or you make 
 works. You agree that we will not be liable for failing to give an authorization.  unpaid FINANCE CHARGES. to the change. an assignment for the bene?t of creditors;
 Transactions at some participating merchants (such as hotels, car rental  VISA Platinum Periodic Rate for accounts opened on or after 1/6/2010: To  g.  A bankruptcy petition is ?led by or against you or your spouse;
 companies, restaurants and gas stations) may result in authorizations for  determine the Periodic Rate, we take the �Index Rate,� as de?ned below, add a  9. Savings Account Required. All applicants and co-applicants on a credit card  h.  A guardian, conservator, receiver, custodian or trustee is appointed for you;
 amounts greater than the actual purchase amount, which will have the effect  Margin and divide that number by 12 to arrive at the periodic rate. For example,  account must have an open savings account that carries a share par balance. You  i.  You are generally not paying your debts as they become due; or
 of making less credit available on your account for several days (usually until  if the index rate were 10.0% and the margin were 3.75%, the Periodic Rate for  must continue to be a member of the Credit Union and comply with the basic  j.  There has been a material adverse change in your ?nancial standing.
 the date the actual purchase amount is received from the merchant). We may,  that billing cycle would be 1.1458% (10.0% plus 3.75% divided by 12). A periodic  account requirements to maintain eligibility for this Account. You may close your 
 but are not required to, authorize transactions that will cause the balance on  rate of 1.1458% corresponds to an ANNUAL PERCENTAGE RATE of 13.75%. The  Account at any time by notifying us in writing and returning all Cards cut in half.
   15. Consent To Recover Delinquent Payments From Accounts. liable for the unauthorized use of your Card depending on the circumstances.   � We cannot try to collect the amount in question, or report you as delinquent 
   a.  In consideration for and as a condition of the Credit Union issuing  MasterCard Cardholders: Depending on the circumstances, you may qualify for  on that amount.
     a Card(s) to you, you agree that if you fail to make your required  zero liability under the MasterCard zero liability program.  � The charge in question may remain on your statement, and we may continue 
     payments the Credit Union can take any monies on deposit at the      to charge you interest on that amount. But, if we determine that we made a 
                                                                                                            Credit Card Agreement
     Credit Union in which you have an interest to recover all or part of  22. Lost Or Stolen Cards. You agree to notify us immediately if your Card is  mistake, you will not have to pay the amount in question or any interest or 
     your delinquent debt without advance notice to you and without  ever lost or stolen or if unauthorized use may occur. You agree to assist us in  other fees related to that amount.
     waiving other rights we have to collect what you owe. This consent is  determining the facts, circumstances, and other pertinent information relating to  � While you do not have to pay the amount in question, you are responsible for 
     not a pledge of any shares and will not affect your right to withdraw  any loss, theft, or possible unauthorized use of your Card(s) and to comply with  the remainder of your balance. and
     shares prior to our exercise of our rights following your payment  such procedures as we may require in connection with our investigation. We will  � We can apply any unpaid amount against your credit limit.
     default. This consent applies to all funds you voluntarily deposit to  send you a new Card with a new account number to replace the Card that was 
     Credit Union accounts, including funds such as Social Security direct  lost or stolen. Although you will be issued a new account number, you will not  26. Your Rights If You Are Dissatis?ed With Your Credit Card Purchases. Disclosure Statement
     deposit that are normally exempt from creditors� remedies (this does  be considered to have opened a new account, and any existing balance will be  If you are dissatis?ed with the goods or services that you have purchased with 
     not include your Individual Retirement, KEOGH or SEPP account). You  transferred to the replacement account. your Card, and you have tried in good faith to correct the problem with the 
     understand that we will never require you to deposit exempt funds to  merchant, you may have the right not to pay the remaining amount due on the 
     Credit Union accounts.           23. Foreign Transactions. Purchases and cash advances made with Visa  purchase.
   b.   For Cards secured by Shares, an amount equal to 100% of your credit limit  and MasterCard outside of the United States and its territories may incur an  To use this right, all of the following must be true:
     is held in your Regular Savings Account as collateral for your credit. If  international transaction fee. This fee, which is up to one percentage point (1%)  1.  The purchase must have been made in your home state or within 100 miles 
     you give the Credit Union a speci?c pledge of shares by signing a separate  of the transaction amount, is assessed by Visa and MasterCard. The Credit Union,  of your current mailing address, and the purchase price must have been more 
     pledge of shares, your pledged shares will secure your Account. You may  as Card issuer, does not assess an additional international transaction fee.  than $50. (Note: Neither of these are necessary if your purchase was based on 
     not withdraw amounts that have been speci?cally pledged to secure your  Visa. If you engage in a transaction in a currency other than U.S. dollars using  an advertisement we mailed to you, or if we own the company that sold you 
     Account until the Credit Union agrees to release all or part of the pledged  a Visa Card, Visa International will convert the charge into a U.S. dollar amount.  the goods or services.)
     amount. If you default in your payments under this Agreement, we have  The exchange rate between the transaction currency and the billing currency  2.  You must have used your Card for the purchase. Purchases made with cash 
     the right to apply the amount speci?cally pledged to pay off this account in  used for processing international transactions is either (a) a rate selected by Visa  advances from an ATM or with a check that accesses your Card account do not 
     full or in part.                 from the range of rates available in wholesale currency markets for the applicable  qualify.
   c.   The security interests in this section apply even if your Card(s) is otherwise  central processing date, which rate may vary from the rate Visa itself receives, or  3.  You must not yet have fully paid for the purchase.
     designated �secured� or �unsecured.� (b) the government mandated rate in effect for the applicable central processing  If all of the criteria above are met and you are still dissatis?ed with the 
                                      date. The currency conversion rate for the processing date may differ from the  purchase, contact us in writing at:
   16. Attorneys� Fees. You agree to pay all costs incurred by us in collecting  rate in effect on the date of the transaction or the date the transaction is posted  Northwest Federal Credit Union
    your indebtedness or in enforcing this agreement including attorney�s fees  to your billing statement.  ATTN: Card Services Department
    and costs, as well as those costs, expenses and attorney�s fees incurred in  MasterCard. If you effect a transaction with your MasterCard Card in a currency  P.O. Box 1229
    appellate, bankruptcy and post-judgment proceedings, except to the extent  other than U.S. dollars, MasterCard International Incorporated (�MasterCard�)  Herndon, VA 20172-1229
    such costs, fees or expenses are prohibited by law. will convert the charge into U.S. dollars using its currency conversion procedure.  While we investigate, the same rules apply to the disputed amount as discussed 
                                      Currently, the currency conversion rate used by MasterCard for such transactions  above. After we ?nish our investigation, we will tell you our decision. At that 
   17. Returns and Adjustments. Merchants and others who honor the Card may  is generally either a government mandated rate or a wholesale rate determined  point, if we think you owe an amount and you do not pay we may report you as 
    give credit for returns or adjustments, and they will do so by sending us a  by MasterCard for the processing cycle in which the transaction is processed. The  delinquent.
    credit slip, which we will post to your account. If your credits and payments  currency conversion rate used by MasterCard for processing date may differ from 
    exceed what you owe us, we will hold and apply this credit balance against  the rate in effect on the date of the transaction or the date the transaction is  27. Change Of Name, Address, Or Telephone Number(s). You are responsible
    future purchases and cash advances, or if it is $1.00 or more, refund it on  posted to your billing statement. for promptly notifying us of a change in your name, address (including the 
    your written request or automatically after 6 months.                e-mail address(es) you use for online banking with us and any other e-mail 
                                      24. Effect of Agreement and Amendments. This Agreement governs all  address(es) at which you agree to be contacted), or telephone number(s)
   18. Plan Merchant Disputes. We are not liable for the refusal of any plan  transactions on your account even though the sales, cash advance, credit, or  (including any wireless telephone number(s)).
    merchant or ?nancial institution to honor your Card. other slips you sign or receive may contain different terms. We may amend or 
                                      change this Agreement, including rates, at any time. If we do so, we will notify  28. Inactivity. Cards unused and or idle for twelve (12) months or more with a 
   19. Additional Bene?ts/Card Enhancements. The Credit Union may from  you in writing in accordance with the applicable law. However, we may reduce  zero (0) balance will automatically be closed. Should that occur an application 
    time to time offer additional services to your Account, such as travel accident  charges, fees and rates without sending you an advance notice. Except as limited  and credit approval would be required to establish a new Card account.
    insurance, discontinue any credit service, or replace your Card with another  by applicable law, any amendment will apply to all then outstanding unpaid 
    Card at no additional cost to you. You understand that the Credit Union is  indebtedness arising from the use of your Card prior to the effective date of the 
    not obligated to offer such services and may withdraw or change them at any  amendment. Any such amendment will not require your written consent, but 
    time.                             your consent (if required by applicable law) may be evidenced by your use of the 
                                      Card after we give you notice of the amendment.
   20. Use of Card for Illegal or Risky Transactions. You agree that you will not 
   use or allow others to use your Card(s) for illegal transactions such as illegal  25. What To Do If You Think You Find A Mistake On Your Statement. If you 
   online gambling. The Credit Union may refuse to honor any transaction we  think there is an error on your statement, write to us at:
   reasonably believe to be illegal. However, ultimate responsibility for determining  Northwest Federal Credit Union
   the legality of transactions for which your Card is used rests with you, not  ATTN: Card Services Department
   with the Credit Union. You agree to hold us harmless for any damages or other  P.O. Box 1229
   liability arising from a transaction initiated by you or your authorized user  Herndon, VA 20172-1229
   for the purpose of conducting an illegal activity, including but not limited to,  In your letter, give us the following information:
   internet gambling or interstate sports betting. We reserve the right to decline  �  Account information: Your name and account number.
   authorization of transactions for activities we believe may violate law or pose  �  Dollar amount: The dollar amount of the suspected error.
   signi?cant risk to our members or us. You cannot use the actual or alleged  �  Description of Problem: If you think there is an error on your bill, describe 
   illegality of a transaction for which authorized use of your account was made as  what you believe is wrong and why you believe it is a mistake.
   a defense to your obligation to pay. You must contact us within 60 days after the error appeared on your statement.
                                      You must notify us of any potential errors in writing. You may call us, but
   21. Liability for Unauthorized Use. If you believe that your Card may have  if you do we are not required to investigate any potential errors and you All information about the VISA and MasterCard Cards described in this
   been lost or stolen or that your account number may have been used without  may have to pay the amount in question. disclosure is current as of 9/1/2014. Subject to change.
   your authorization you must notify us immediately at: 1-800-336-3384 or via  While we investigate whether or not there has been an error, the following
   our website, or by writing to: Northwest Federal Credit Union, Attention: Card  are true:    GAM (9/1/2014) 3M
   Services Department, P.O. Box 1229, Herndon, Virginia 20172-1229. You may be                               Your Lifetime Financial Partner
 15. Consent To Recover Delinquent Payments From Accounts. liable for the unauthorized use of your Card depending on the circumstances.   � We cannot try to collect the amount in question, or report you as delinquent 
 a.  In consideration for and as a condition of the Credit Union issuing  MasterCard Cardholders: Depending on the circumstances, you may qualify for  on that amount.
 a Card(s) to you, you agree that if you fail to make your required  zero liability under the MasterCard zero liability program.  � The charge in question may remain on your statement, and we may continue 
 payments the Credit Union can take any monies on deposit at the  to charge you interest on that amount. But, if we determine that we made a 
                                                                         Credit Card Agreement
 Credit Union in which you have an interest to recover all or part of  22. Lost Or Stolen Cards. You agree to notify us immediately if your Card is  mistake, you will not have to pay the amount in question or any interest or 
 your delinquent debt without advance notice to you and without  ever lost or stolen or if unauthorized use may occur. You agree to assist us in  other fees related to that amount.
 waiving other rights we have to collect what you owe. This consent is  determining the facts, circumstances, and other pertinent information relating to  � While you do not have to pay the amount in question, you are responsible for 
 not a pledge of any shares and will not affect your right to withdraw  any loss, theft, or possible unauthorized use of your Card(s) and to comply with  the remainder of your balance. and
 shares prior to our exercise of our rights following your payment  such procedures as we may require in connection with our investigation. We will  � We can apply any unpaid amount against your credit limit.
 default. This consent applies to all funds you voluntarily deposit to  send you a new Card with a new account number to replace the Card that was 
 Credit Union accounts, including funds such as Social Security direct  lost or stolen. Although you will be issued a new account number, you will not  26. Your Rights If You Are Dissatis?ed With Your Credit Card Purchases. Disclosure Statement
 deposit that are normally exempt from creditors� remedies (this does  be considered to have opened a new account, and any existing balance will be  If you are dissatis?ed with the goods or services that you have purchased with 
 not include your Individual Retirement, KEOGH or SEPP account). You  transferred to the replacement account. your Card, and you have tried in good faith to correct the problem with the 
 understand that we will never require you to deposit exempt funds to  merchant, you may have the right not to pay the remaining amount due on the 
 Credit Union accounts. 23. Foreign Transactions. Purchases and cash advances made with Visa  purchase.
 b.   For Cards secured by Shares, an amount equal to 100% of your credit limit  and MasterCard outside of the United States and its territories may incur an  To use this right, all of the following must be true:
 is held in your Regular Savings Account as collateral for your credit. If  international transaction fee. This fee, which is up to one percentage point (1%)  1.  The purchase must have been made in your home state or within 100 miles 
 you give the Credit Union a speci?c pledge of shares by signing a separate  of the transaction amount, is assessed by Visa and MasterCard. The Credit Union,  of your current mailing address, and the purchase price must have been more 
 pledge of shares, your pledged shares will secure your Account. You may  as Card issuer, does not assess an additional international transaction fee.  than $50. (Note: Neither of these are necessary if your purchase was based on 
 not withdraw amounts that have been speci?cally pledged to secure your  Visa. If you engage in a transaction in a currency other than U.S. dollars using  an advertisement we mailed to you, or if we own the company that sold you 
 Account until the Credit Union agrees to release all or part of the pledged  a Visa Card, Visa International will convert the charge into a U.S. dollar amount.  the goods or services.)
 amount. If you default in your payments under this Agreement, we have  The exchange rate between the transaction currency and the billing currency  2.  You must have used your Card for the purchase. Purchases made with cash 
 the right to apply the amount speci?cally pledged to pay off this account in  used for processing international transactions is either (a) a rate selected by Visa  advances from an ATM or with a check that accesses your Card account do not 
 full or in part. from the range of rates available in wholesale currency markets for the applicable  qualify.
 c.   The security interests in this section apply even if your Card(s) is otherwise  central processing date, which rate may vary from the rate Visa itself receives, or  3.  You must not yet have fully paid for the purchase.
 designated �secured� or �unsecured.� (b) the government mandated rate in effect for the applicable central processing  If all of the criteria above are met and you are still dissatis?ed with the 
   date. The currency conversion rate for the processing date may differ from the  purchase, contact us in writing at:
 16. Attorneys� Fees. You agree to pay all costs incurred by us in collecting  rate in effect on the date of the transaction or the date the transaction is posted  Northwest Federal Credit Union
 your indebtedness or in enforcing this agreement including attorney�s fees  to your billing statement.  ATTN: Card Services Department
 and costs, as well as those costs, expenses and attorney�s fees incurred in  MasterCard. If you effect a transaction with your MasterCard Card in a currency  P.O. Box 1229
 appellate, bankruptcy and post-judgment proceedings, except to the extent  other than U.S. dollars, MasterCard International Incorporated (�MasterCard�)  Herndon, VA 20172-1229
 such costs, fees or expenses are prohibited by law. will convert the charge into U.S. dollars using its currency conversion procedure.  While we investigate, the same rules apply to the disputed amount as discussed 
   Currently, the currency conversion rate used by MasterCard for such transactions  above. After we ?nish our investigation, we will tell you our decision. At that 
 17. Returns and Adjustments. Merchants and others who honor the Card may  is generally either a government mandated rate or a wholesale rate determined  point, if we think you owe an amount and you do not pay we may report you as 
 give credit for returns or adjustments, and they will do so by sending us a  by MasterCard for the processing cycle in which the transaction is processed. The  delinquent.
 credit slip, which we will post to your account. If your credits and payments  currency conversion rate used by MasterCard for processing date may differ from 
 exceed what you owe us, we will hold and apply this credit balance against  the rate in effect on the date of the transaction or the date the transaction is  27. Change Of Name, Address, Or Telephone Number(s). You are responsible
 future purchases and cash advances, or if it is $1.00 or more, refund it on  posted to your billing statement. for promptly notifying us of a change in your name, address (including the 
 your written request or automatically after 6 months. e-mail address(es) you use for online banking with us and any other e-mail 
   24. Effect of Agreement and Amendments. This Agreement governs all  address(es) at which you agree to be contacted), or telephone number(s)
 18. Plan Merchant Disputes. We are not liable for the refusal of any plan  transactions on your account even though the sales, cash advance, credit, or  (including any wireless telephone number(s)).
 merchant or ?nancial institution to honor your Card. other slips you sign or receive may contain different terms. We may amend or 
   change this Agreement, including rates, at any time. If we do so, we will notify  28. Inactivity. Cards unused and or idle for twelve (12) months or more with a 
 19. Additional Bene?ts/Card Enhancements. The Credit Union may from  you in writing in accordance with the applicable law. However, we may reduce  zero (0) balance will automatically be closed. Should that occur an application 
 time to time offer additional services to your Account, such as travel accident  charges, fees and rates without sending you an advance notice. Except as limited  and credit approval would be required to establish a new Card account.
 insurance, discontinue any credit service, or replace your Card with another  by applicable law, any amendment will apply to all then outstanding unpaid 
 Card at no additional cost to you. You understand that the Credit Union is  indebtedness arising from the use of your Card prior to the effective date of the 
 not obligated to offer such services and may withdraw or change them at any  amendment. Any such amendment will not require your written consent, but 
 time. your consent (if required by applicable law) may be evidenced by your use of the 
   Card after we give you notice of the amendment.
 20. Use of Card for Illegal or Risky Transactions. You agree that you will not 
 use or allow others to use your Card(s) for illegal transactions such as illegal  25. What To Do If You Think You Find A Mistake On Your Statement. If you 
 online gambling. The Credit Union may refuse to honor any transaction we  think there is an error on your statement, write to us at:
 reasonably believe to be illegal. However, ultimate responsibility for determining  Northwest Federal Credit Union
 the legality of transactions for which your Card is used rests with you, not  ATTN: Card Services Department
 with the Credit Union. You agree to hold us harmless for any damages or other  P.O. Box 1229
 liability arising from a transaction initiated by you or your authorized user  Herndon, VA 20172-1229
 for the purpose of conducting an illegal activity, including but not limited to,  In your letter, give us the following information:
 internet gambling or interstate sports betting. We reserve the right to decline  �  Account information: Your name and account number.
 authorization of transactions for activities we believe may violate law or pose  �  Dollar amount: The dollar amount of the suspected error.
 signi?cant risk to our members or us. You cannot use the actual or alleged  �  Description of Problem: If you think there is an error on your bill, describe 
 illegality of a transaction for which authorized use of your account was made as  what you believe is wrong and why you believe it is a mistake.
 a defense to your obligation to pay. You must contact us within 60 days after the error appeared on your statement.
   You must notify us of any potential errors in writing. You may call us, but
 21. Liability for Unauthorized Use. If you believe that your Card may have  if you do we are not required to investigate any potential errors and you All information about the VISA and MasterCard Cards described in this
 been lost or stolen or that your account number may have been used without  may have to pay the amount in question. disclosure is current as of 9/1/2014. Subject to change.
 your authorization you must notify us immediately at: 1-800-336-3384 or via  While we investigate whether or not there has been an error, the following
 our website, or by writing to: Northwest Federal Credit Union, Attention: Card  are true: GAM (9/1/2014) 3M
 Services Department, P.O. Box 1229, Herndon, Virginia 20172-1229. You may be  Your Lifetime Financial Partner
 15. Consent To Recover Delinquent Payments From Accounts. liable for the unauthorized use of your Card depending on the circumstances.   � We cannot try to collect the amount in question, or report you as delinquent 
 a.  In consideration for and as a condition of the Credit Union issuing  MasterCard Cardholders: Depending on the circumstances, you may qualify for  on that amount.
 a Card(s) to you, you agree that if you fail to make your required  zero liability under the MasterCard zero liability program.  � The charge in question may remain on your statement, and we may continue 
 payments the Credit Union can take any monies on deposit at the  to charge you interest on that amount. But, if we determine that we made a 
                                      Credit Card Agreement
 Credit Union in which you have an interest to recover all or part of  22. Lost Or Stolen Cards. You agree to notify us immediately if your Card is  mistake, you will not have to pay the amount in question or any interest or 
 your delinquent debt without advance notice to you and without  ever lost or stolen or if unauthorized use may occur. You agree to assist us in  other fees related to that amount.
 waiving other rights we have to collect what you owe. This consent is  determining the facts, circumstances, and other pertinent information relating to  � While you do not have to pay the amount in question, you are responsible for 
 not a pledge of any shares and will not affect your right to withdraw  any loss, theft, or possible unauthorized use of your Card(s) and to comply with  the remainder of your balance. and
 shares prior to our exercise of our rights following your payment  such procedures as we may require in connection with our investigation. We will  � We can apply any unpaid amount against your credit limit.
 default. This consent applies to all funds you voluntarily deposit to  send you a new Card with a new account number to replace the Card that was 
 Credit Union accounts, including funds such as Social Security direct  lost or stolen. Although you will be issued a new account number, you will not  26. Your Rights If You Are Dissatis?ed With Your Credit Card Purchases. Disclosure Statement
 deposit that are normally exempt from creditors� remedies (this does  be considered to have opened a new account, and any existing balance will be  If you are dissatis?ed with the goods or services that you have purchased with 
 not include your Individual Retirement, KEOGH or SEPP account). You  transferred to the replacement account. your Card, and you have tried in good faith to correct the problem with the 
 understand that we will never require you to deposit exempt funds to  merchant, you may have the right not to pay the remaining amount due on the 
 Credit Union accounts. 23. Foreign Transactions. Purchases and cash advances made with Visa  purchase.
 b.   For Cards secured by Shares, an amount equal to 100% of your credit limit  and MasterCard outside of the United States and its territories may incur an  To use this right, all of the following must be true:
 is held in your Regular Savings Account as collateral for your credit. If  international transaction fee. This fee, which is up to one percentage point (1%)  1.  The purchase must have been made in your home state or within 100 miles 
 you give the Credit Union a speci?c pledge of shares by signing a separate  of the transaction amount, is assessed by Visa and MasterCard. The Credit Union,  of your current mailing address, and the purchase price must have been more 
 pledge of shares, your pledged shares will secure your Account. You may  as Card issuer, does not assess an additional international transaction fee.  than $50. (Note: Neither of these are necessary if your purchase was based on 
 not withdraw amounts that have been speci?cally pledged to secure your  Visa. If you engage in a transaction in a currency other than U.S. dollars using  an advertisement we mailed to you, or if we own the company that sold you 
 Account until the Credit Union agrees to release all or part of the pledged  a Visa Card, Visa International will convert the charge into a U.S. dollar amount.  the goods or services.)
 amount. If you default in your payments under this Agreement, we have  The exchange rate between the transaction currency and the billing currency  2.  You must have used your Card for the purchase. Purchases made with cash 
 the right to apply the amount speci?cally pledged to pay off this account in  used for processing international transactions is either (a) a rate selected by Visa  advances from an ATM or with a check that accesses your Card account do not 
 full or in part. from the range of rates available in wholesale currency markets for the applicable  qualify.
 c.   The security interests in this section apply even if your Card(s) is otherwise  central processing date, which rate may vary from the rate Visa itself receives, or  3.  You must not yet have fully paid for the purchase.
 designated �secured� or �unsecured.� (b) the government mandated rate in effect for the applicable central processing  If all of the criteria above are met and you are still dissatis?ed with the 
 date. The currency conversion rate for the processing date may differ from the  purchase, contact us in writing at:
 16. Attorneys� Fees. You agree to pay all costs incurred by us in collecting  rate in effect on the date of the transaction or the date the transaction is posted  Northwest Federal Credit Union
 your indebtedness or in enforcing this agreement including attorney�s fees  to your billing statement.  ATTN: Card Services Department
 and costs, as well as those costs, expenses and attorney�s fees incurred in  MasterCard. If you effect a transaction with your MasterCard Card in a currency  P.O. Box 1229
 appellate, bankruptcy and post-judgment proceedings, except to the extent  other than U.S. dollars, MasterCard International Incorporated (�MasterCard�)  Herndon, VA 20172-1229
 such costs, fees or expenses are prohibited by law. will convert the charge into U.S. dollars using its currency conversion procedure.  While we investigate, the same rules apply to the disputed amount as discussed 
 Currently, the currency conversion rate used by MasterCard for such transactions  above. After we ?nish our investigation, we will tell you our decision. At that 
 17. Returns and Adjustments. Merchants and others who honor the Card may  is generally either a government mandated rate or a wholesale rate determined  point, if we think you owe an amount and you do not pay we may report you as 
 give credit for returns or adjustments, and they will do so by sending us a  by MasterCard for the processing cycle in which the transaction is processed. The  delinquent.
 credit slip, which we will post to your account. If your credits and payments  currency conversion rate used by MasterCard for processing date may differ from 
 exceed what you owe us, we will hold and apply this credit balance against  the rate in effect on the date of the transaction or the date the transaction is  27. Change Of Name, Address, Or Telephone Number(s). You are responsible
 future purchases and cash advances, or if it is $1.00 or more, refund it on  posted to your billing statement. for promptly notifying us of a change in your name, address (including the 
 your written request or automatically after 6 months. e-mail address(es) you use for online banking with us and any other e-mail 
 24. Effect of Agreement and Amendments. This Agreement governs all  address(es) at which you agree to be contacted), or telephone number(s)
 18. Plan Merchant Disputes. We are not liable for the refusal of any plan  transactions on your account even though the sales, cash advance, credit, or  (including any wireless telephone number(s)).
 merchant or ?nancial institution to honor your Card. other slips you sign or receive may contain different terms. We may amend or 
 change this Agreement, including rates, at any time. If we do so, we will notify  28. Inactivity. Cards unused and or idle for twelve (12) months or more with a 
 19. Additional Bene?ts/Card Enhancements. The Credit Union may from  you in writing in accordance with the applicable law. However, we may reduce  zero (0) balance will automatically be closed. Should that occur an application 
 time to time offer additional services to your Account, such as travel accident  charges, fees and rates without sending you an advance notice. Except as limited  and credit approval would be required to establish a new Card account.
 insurance, discontinue any credit service, or replace your Card with another  by applicable law, any amendment will apply to all then outstanding unpaid 
 Card at no additional cost to you. You understand that the Credit Union is  indebtedness arising from the use of your Card prior to the effective date of the 
 not obligated to offer such services and may withdraw or change them at any  amendment. Any such amendment will not require your written consent, but 
 time. your consent (if required by applicable law) may be evidenced by your use of the 
 Card after we give you notice of the amendment.
 20. Use of Card for Illegal or Risky Transactions. You agree that you will not 
 use or allow others to use your Card(s) for illegal transactions such as illegal  25. What To Do If You Think You Find A Mistake On Your Statement. If you 
 online gambling. The Credit Union may refuse to honor any transaction we  think there is an error on your statement, write to us at:
 reasonably believe to be illegal. However, ultimate responsibility for determining  Northwest Federal Credit Union
 the legality of transactions for which your Card is used rests with you, not  ATTN: Card Services Department
 with the Credit Union. You agree to hold us harmless for any damages or other  P.O. Box 1229
 liability arising from a transaction initiated by you or your authorized user  Herndon, VA 20172-1229
 for the purpose of conducting an illegal activity, including but not limited to,  In your letter, give us the following information:
 internet gambling or interstate sports betting. We reserve the right to decline  �  Account information: Your name and account number.
 authorization of transactions for activities we believe may violate law or pose  �  Dollar amount: The dollar amount of the suspected error.
 signi?cant risk to our members or us. You cannot use the actual or alleged  �  Description of Problem: If you think there is an error on your bill, describe 
 illegality of a transaction for which authorized use of your account was made as  what you believe is wrong and why you believe it is a mistake.
 a defense to your obligation to pay. You must contact us within 60 days after the error appeared on your statement.
 You must notify us of any potential errors in writing. You may call us, but
 21. Liability for Unauthorized Use. If you believe that your Card may have  if you do we are not required to investigate any potential errors and you All information about the VISA and MasterCard Cards described in this
 been lost or stolen or that your account number may have been used without  may have to pay the amount in question. disclosure is current as of 9/1/2014. Subject to change.
 your authorization you must notify us immediately at: 1-800-336-3384 or via  While we investigate whether or not there has been an error, the following
 our website, or by writing to: Northwest Federal Credit Union, Attention: Card  are true: GAM (9/1/2014) 3M
 Services Department, P.O. Box 1229, Herndon, Virginia 20172-1229. You may be  Your Lifetime Financial Partner
                           FirstCard 
                                                          Member Rewards 
                           Visa�    Visa� Platinum 
                                                          MasterCard� 
                           Platinum  
         Interest Rates and Interest Charges 
                                    7.00% to 18.00% when  8.00% to 18.00% when 
                                    you open your account, based  you open your account, based 
         Annual Percentage Rate  
                                    on your creditworthiness.  on your creditworthiness. 
                           9.99% 
         (APR) for Purchases 
                                    After this, your APR will vary  After this, your APR will vary 
                                    with the market based on the  with the market based on the 
                                    Prime Rate.           Prime Rate. 
                                                          . 
                                                           
                                                           
                                                           
                                                           
                            
         APR for Balance Transfers  7.00% to 18.00% when you  8.00% to 18.00% when you 
                           9.99%  
                                    open your account, based on  open your account, based on 
                                    your creditworthiness. After this,  your creditworthiness. After this, 
                                    your APR will vary with the  your APR will vary with the 
                                    market based on the Prime  market based on the Prime 
                                    Rate.                 Rate. 
                                                           
                                    7.00% to 18.00% when you  8.00% to 18.00% when you 
                                    open your account, based on  open your account, based on 
         APR for Cash Advances  9.99%  your creditworthiness. After this,  your creditworthiness. After this, 
                                    your APR will vary with the  your APR will vary with the 
                                    market based on the Prime  market based on the Prime 
                                    Rate.                 Rate. 
         Penalty APR and When it 
                           None     None                  None 
         Applies 
         Minimum Interest Charge  None  None              None 
                           Your due date is at least 25 days after the close of each billing cycle. We will not 
         How to Avoid Paying 
                           charge you any interest on purchases if you pay your entire balance by the due 
         Interest on Purchases 
                           date each month 
         For Credit Card Tips from  To learn more about factors to consider when applying for or using a credit card, 
         the Consumer Financial  visit the website of the Consumer Financial Protection Bureau at 
         Protection Bureau  http://www.consumerfinance.gov/learnmore 
         Fees  
         Annual Fee        None     None                  None 
         Transactions Fees                                 
           ?  Balance Transfer  None  None                None 
           ?  Cash Advance  None    None                  None 
           ?  Foreign      Up to 1% of  Up to 1% of transaction amount  Up to 1% of transaction amount 
              Transaction  transaction 
                           amount 
         Penalty Fees                                      
           ?  Late Payment  Up to $35  Up to $35          Up to $35 
           ?  Returned     Up to $35  Up to $35           Up to $35 
              Payment                                      
           ?  Over-the-Credit  None  None                 None 
              Limit 
         How We Will Calculate Your Balance: We use a method called �average daily balance� (including new 
         purchases).  
         The information on this disclosure is current as of September 1, 2014, and is subject to change.  To determine if 
         any changes have occurred since this date call 866-709-8901.