REWARDS PREFERRED MASTERCARD LEVEL I 
 REWARDS PREFERRED MASTERCARD LEVEL II 
REWARDS PREFERRED MASTERCARD LEVEL III 
CONSUMER CREDIT CARD AGREEMENT 

In this Agreement, “Agreement” means this Consumer Credit Card Agreement. “Disclosure” means the Credit Card Account 
Opening Disclosure. The Account Opening Disclosure is incorporated into this Consumer Credit Card Agreement and is 
part of the Agreement. In this Agreement the words "you," “your,” and "yours" mean each and all of those who agree to be 
bound by this Agreement; "card" means the MasterCard credit card and any duplicates, renewals, or substitutions the Credit 
Union issues to you; "account" means your MasterCard credit card line-of-credit account with the Credit Union; and "Credit 
Union" means the Credit Union whose name appears on this Agreement or anyone to whom the Credit Union transfers this 
Agreement. 
1.  USING YOUR ACCOUNT — If you are approved for an account, the Credit Union will establish a line of credit for you. 
You agree that your credit limit is the maximum amount (purchases, cash advances, finance charges, plus "other charges") 
which you will have outstanding on your account at any time. Unless disclosed otherwise, the Credit Union will not allow 
advances over the credit limit. If the Credit Union has a program whereby it allows payment of advances that exceed your 
credit  limit,  subject  to  a  fee,  the  Credit  Union  will  provide  you  with  notice,  either  orally,  in  writing,  or  electronically 
(notwithstanding the requirements of the paragraph entitled “Statements and Notices”) explaining your right to opt in to the 
Credit  Union’s  program  whereby  it  will  honor  advance  requests  over  the  credit  limit.  In  the  event  you  opt  in  to  such  a 
program, you agree to the terms of such a program. You may request an increase in your credit limit only by a method 
acceptable to the Credit Union. The Credit Union may increase or decrease your credit limit, refuse to make an advance 
and/or terminate your account at any time for any reason not prohibited by law. If you are permitted to obtain cash advances 
on  your  account,  we  may,  from  time  to  time,  issue  convenience  checks  to  you  that  may  be  drawn  on  your  account. 
Convenience checks may not be used to make a payment on your account balance. If you use a convenience check, it will 
be posted to your account as a cash advance. We reserve the right to refuse to pay a convenience check drawn on your 
account for any reason and such refusal shall not constitute wrongful dishonor. 
You may request that  we  stop the payment of a convenience check drawn  on  your account.  You  agree to pay  any fee 
imposed to stop a payment on a convenience check issued on your account. You may make a stop payment request orally, 
if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of the check for 
payment to give us a reasonable opportunity to act on your request. In addition, your request must accurately describe the 
check including the exact account number, the payee, any check number that may be applicable, and the exact amount of 
the check. If permitted, you may make a stop payment request orally but such a request will expire after 14 days unless you 
confirm your request in writing within that time. Written stop payment orders are effective only for six months and may be 
renewed  for  additional  six  month  periods  by  requesting  in  writing  that  the  stop  payment  order  be  renewed. We  are  not 
required to notify you when a stop payment order expires. If we re-credit your account after paying a check or draft over a 
valid and timely stop payment order, you agree to sign a statement describing the dispute with the payee, to assign to us 
all of your rights against the payee or other holders of the check or draft and to assist us in any legal action. You agree to 
indemnify and hold us harmless from all costs and expenses, including attorney's fees, damages, or claims, related to our 
honoring your stop payment request or in failing to stop payment of an item as a result of incorrect information provided to 
us or the giving of inadequate time to act upon a stop payment request.  
2.  USING  YOUR  CARD  —  You  understand  that  the  use  of  your  credit  card  or  credit  card  account  will  constitute 
acknowledgement of receipt and agreement to the terms of the Credit Card Agreement and Credit Card Account Opening 
Disclosure (Disclosure). You may use your card to make purchases from merchants and others who accept your card. The 
credit union is not responsible for the refusal of any merchant or financial institution to honor your card. If you wish to pay 
for goods or services over the Internet, you may be required to provide card number security information before you will be 
permitted to complete the transaction. In addition, you may obtain cash advances from the Credit Union, from other financial 
institutions that accept your card, and from some automated teller machines (ATMs). (Not all ATMs accept your card.) If the 
credit union authorizes ATM transactions with your card, it will issue you a personal identification number (PIN). To obtain 
cash advances from an ATM, you must use the PIN issued to you for use with your card. You agree that you will not use 
your card for any transaction that is illegal under applicable federal, state, or local law. Even if you use your card for an 
illegal transaction, you will be responsible for all amounts and charges incurred in connection with the transaction. If you 
are permitted to obtain cash advances on your account, you may also use your card to purchase instruments and engage 
in transactions that we consider the equivalent of cash. Such transactions will be posted to your account as cash advances 
and include, but are not limited to, wire transfers and money orders. This paragraph shall not be interpreted as permitting 
or authorizing any transaction that is illegal. 

©CUNA Mutual Group 1991, 2006, 09, 10, 12, 14 All Rights Reserved 

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3.  PROMISE  TO  PAY  —  You  promise  to  pay  all  charges  (purchases,  cash  advances,  balance  transfers,  use  of 
convenience checks or any other charge) made to your account by you or anyone you authorize to use your account. You 
also promise to pay all finance charges and other charges added to  your account under the terms of this Agreement or 
another agreement you made with the Credit Union. If this is a joint account,  the paragraph on JOINT ACCOUNTS also 
applies to your account. 
4.  PERIODIC RATES — The periodic rates applicable to purchases, cash advances, and balance transfers are disclosed 
on the Disclosure that accompanies this Agreement. Any penalty rate that may be imposed for failing to make a payment 
by the payment due date is also disclosed on the Disclosure. Any rate change will be made pursuant to applicable law. If 
the rate for your account is variable, as indicated on the accompanying  Disclosure, the rate charged on purchases, cash 
advances, balance transfers and any penalty rate will vary periodically as disclosed in the Disclosure accompanying this 
Agreement.  The  initial  rate  on  your  account  for  certain  types  of  transactions  may  be  an  introductory  discounted  rate 
(Introductory Rate) that is lower than the rate that would ordinarily apply for that type of transaction. If an Introductory Rate 
applies to your account, the rates and the period of time it will be effective is shown on the Disclosure accompanying this 
Agreement. After the Introductory Rate period expires, the periodic rate will automatically increase to the rates that would 
ordinarily apply for that type of transaction based on the terms of this Agreement.  
5.  FINANCE CHARGES — New purchases posted to your account during a billing cycle will not incur a finance charge 
for that billing cycle  if  you  had a  zero  or credit  balance at the  beginning of that billing cycle, or  you  paid the entire new 
balance on the previous cycle's billing statement by the payment due date of that statement; otherwise a finance charge will 
accrue  from  the  date  a  purchase  is  posted  to  your  account.  To  avoid  an  additional  finance  charge  on  the  balance  of 
purchases,  you must pay the entire new balance on the billing statement by the payment due date of that statement. A 
finance charge begins to accrue on cash advances from the date you get the cash advance or from the first day of the billing 
cycle in which the cash advance is posted to your account, whichever is later (transaction date). 
The  finance  charge  is  calculated  separately  for  purchases  and  cash  advances.  For  purchases,  the  finance  charge  is 
computed by applying the periodic rate to the average daily balance of purchases. To calculate the average daily balance 
of purchases, we take the beginning outstanding balance of purchases each day, add any new purchases, and subtract any 
payments and/or credits. This gives us the daily balance of purchases. We then add all of the daily balances of purchases 
for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the average daily 
balance of purchases.  
For  cash  advances,  the  finance  charge  is  computed  by  applying  the  periodic  rate  to  the  average  daily  balance  of  cash 
advances. To calculate the average daily balance of cash advances, we take the beginning outstanding balance of cash 
advances each day, add in any new cash advances, and subtract any payments and/or credits that we apply to the cash 
advance balance. This gives us the daily balance of cash advances. We then add all of the daily balances of cash advances 
for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the average daily 
balance of cash advances. Balance transfers are calculated in the same manner as cash advances. 
6.  FOREIGN TRANSACTIONS — Purchases and cash advances made in foreign currencies will be debited from your 
account  in  U.S.  dollars.  The  exchange  rate  used  to  convert  foreign  currency  transactions  to  U.S.  dollars  is  either  a 
government-mandated exchange rate or a wholesale exchange rate and is selected by MasterCard. The rate MasterCard 
uses for a particular transaction is the rate MasterCard selects for the applicable currency on the day the transaction is 
processed. This rate may differ from the rate applicable on the date the transaction occurred or was posted to your account. 
A fee (finance charge) will be charged on all transactions completed outside of the United States, where the cardholder’s 
country code differs from the merchant’s country code. All fees are calculated based on the transaction amount after it is 
converted to U.S. dollars. These fees are charged except where excluded. The Foreign Transaction Fee is set forth on the 
Disclosure accompanying this Agreement. 
7.  FEES — In addition to the periodic rate, the following additional fees may be imposed on your account. If applicable to 
your  account,  the  fee  amounts  and  explanations  are  disclosed  on  the  Disclosure  accompanying  this  Agreement.  Your 
account may also be subject to additional fees as set forth on the Disclosure accompanying this Agreement. 
a.  Foreign Transaction Fee (Finance Charge). If your account is subject to a Foreign Transaction Fee (finance charge), 
a fee may be charged to your account for transactions made outside of the United States or in a foreign currency.  
b.  Late Payment Fee. If your account is subject to a Late Payment Fee, the fee will be charged to your account when you 
do not make the required minimum payment by or within the number of days of the statement Payment Due Date set forth 
on the Disclosure accompanying this Agreement. 
c.  Over-the-Credit Limit Fee. If you have elected the feature to allow your account to go over your credit limit, we may 
charge you a fee as allowed by law. However, in no case will we impose an over-the-limit fee except in the next two billing 
cycles unless you have obtained an additional extension of credit in excess of such credit limit during each subsequent 
cycle or you have reduced the balance below the credit limit as of the end of each bill cycle. 
d.  Returned Payment Fee. If your account is subject to a Returned Payment Fee, the fee will be charged to your account 
when a payment is returned for any reason. 

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8.  PAYMENTS — Each month you must pay at least the minimum payment shown on your statement by the date specified 
on the statement. You may pay more frequently, pay more than the minimum payment or pay the total new balance in full. 
If you make extra or larger payments, you are still required to make at least the minimum payment each month your account 
has a balance (other than a credit balance). The minimum payment is 3.00% of your total new balance, or $10.00, whichever 
is greater, plus the amount of any prior minimum payments that you have not made, all outstanding unpaid fees and charges, 
and any amount you are over your credit limit by the date specified on the statement. The Credit Union also has the right to 
demand immediate payment of any amount by which you are over your credit limit. In accordance with applicable law, the 
Credit  Union  may  not  post  payments  to  your  account  or  reflect  them  in  your  available  credit  limit  on  the  date  they  are 
received.  The Credit Union may delay replenishing your credit limit until the date the payment is posted or the Credit Union 
confirms the payment has cleared.  
9.  PAYMENT  ALLOCATION  — Subject to  applicable law,  your payments may be  applied to  what  you  owe the Credit 
Union in any manner the Credit Union chooses. However, in every case, in the event you make a payment in excess of the 
required minimum periodic payment, the Credit Union will allocate the excess amount first to the balance with the highest 
annual percentage rate and any remaining portion to the other balances in descending order based on applicable annual 
percentage rate.  
10.  SECURITY INTEREST — You grant the Credit Union a security interest under the Uniform Commercial Code and under 
any common law rights the Credit Union may have in any goods you purchase.  
11.  DEFAULT — You will be in default if you fail to make any minimum payment or other required payment by the date that 
it is due. You will be in default if you break any promise you make under this Agreement. You will be in default if you die, 
file for bankruptcy or become insolvent, that is, unable to pay your obligations when they become due. You will be in default 
if  you  make  any  false  or  misleading  statements  in  any  credit  application  or  credit  update.  You  will  also  be  in  default  if 
something happens that the Credit Union believes may substantially reduce your ability to repay what you owe. 
When you are in default, the Credit Union has the right to demand immediate payment of your full account balance without 
giving you notice. If immediate payment is demanded, you  agree to continue paying finance charges at the periodic rate 
charged before default, until what you owe has been paid, and any shares that were given as security for your account may 
be applied towards what you owe. 
12.  LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION — You agree to notify us immediately, 
orally or in writing, at PO Box 1356, San Antonio, TX 78295-1356 or telephone (866) 839-3485 seven (7) days a week, 24 
hours a day, of the loss, theft, or unauthorized use of your credit card. You may be liable for the unauthorized use of your 
credit  card.  You  will  not  be  liable  for  unauthorized  use  that  occurs  after  you  notify  us  of  the  loss,  theft,  or  possible 
unauthorized use. However, if you exercise reasonable care in safeguarding your card from risk of loss or theft and, upon 
discovering the loss or theft promptly report the loss or theft to us, you will not be liable for any unauthorized transactions. 
In any case, your liability will not exceed $50.00.  
13.  CHANGING OR TERMINATING YOUR ACCOUNT — As permitted by law, the Credit Union may change the terms of 
this  Agreement  and  any  attached  Disclosure  from  time  to  time.  Notice  of  any  change  will  be  given  in  accordance  with 
applicable law. If permitted by law and specified in the notice to you, the change will apply to your existing account balance 
as well as to future transactions. 
Either you or the Credit Union may terminate this Agreement at any time, but termination by you or the Credit Union will not 
affect your obligation to pay the account balance plus any finance and other charges you owe under this Agreement. Your 
obligation to pay the account balance plus any finance and other charges you owe under this agreement are subject to all 
applicable laws and regulations regarding repayment requirements. You are also responsible for all transactions made to 
your account after termination, unless the transactions were unauthorized. 
The card or cards you receive remain the property of the Credit Union and you must recover and surrender to the Credit 
Union all cards upon request or upon termination of this Agreement whether by you or the Credit Union. If this is a joint 
account, the paragraph on JOINT ACCOUNTS of this Agreement also applies to termination of the account.  
14.  CHANGING  OR  TERMINATING  AUTHORIZED  USERS  —  Upon  your  request,  we  may  issue  additional  cards  for 
authorized users that you designate. You must notify us in writing of any termination of an authorized user's right to access 
your account. Your letter must include the name of the authorized user and your account number and/or any subaccount 
number issued to the authorized user along with the authorized user's card and any convenience or other access checks 
issued to the authorized user. If  you cannot return the authorized user's card or access checks and if  you  request  your 
account to be closed, we will close your account and you may apply for a new account. 
15.  CREDIT REVIEW  AND  RELEASE OF INFORMATION  —  You  authorize the  Credit Union to  investigate  your credit 
standing when opening or reviewing your account. You authorize the Credit Union to disclose information regarding  your 
account to credit bureaus and creditors who inquire about your credit standing. If your account is eligible for emergency 
cash and/or emergency card replacement services, and you request such services, you agree that we may provide personal 
information about you and your account that is necessary to provide you with the requested service(s). 
16.  RETURNS  AND  ADJUSTMENTS  —  Merchants  and  others  who  honor  your  card  may  give  credit  for  returns  or 
adjustments, and they will do so by sending the Credit Union a credit slip which will be posted to your account. If your credits 

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and  payments  exceed  what  you  owe  the  Credit  Union,  the  amount  will  be  applied  against  future  purchases  and  cash 
advances. If the credit balance amount is $1.00 or more, it will be refunded upon your written request or automatically after 
six months. 
17.  ADDITIONAL BENEFITS/CARD ENHANCEMENTS — The Credit Union may from time to time offer additional services 
to your account, such as travel accident insurance, at no additional cost to you. You understand that the Credit Union is not 
obligated to offer such services and may withdraw or change them at any time. 
18.  MERCHANT DISPUTES — The Credit Union is not responsible for the refusal of any merchant or financial institution 
to  honor  your  card.  The  Credit  Union  is  subject  to  claims  and  defenses  (other  than  tort  claims)  arising  out  of  goods  or 
services you purchase with the card if you have made a good faith attempt but have been unable to obtain satisfaction from 
the merchant or service provider, and (a) your purchase was made in response to an advertisement the Credit Union sent 
or participated in sending to you; or (b) your purchase cost more than $50.00 and was made in your state or within 100 
miles of your home. 
19.  JOINT ACCOUNTS — If this is a joint account, each  of you  will be individually and jointly responsible for paying all 
amounts owed under this Agreement. This means that the Credit Union can require any one of you individually to repay the 
entire  amount  owed  under  this  Agreement.  Each  of  you  authorizes  the  other(s)  to  make  purchases  or  cash  advances 
individually. Any one of you may terminate the account and the termination will be effective as to all of you. 
20.  EFFECT OF AGREEMENT — This Agreement is the contract which applies to all transactions on your account even 
though the sales, cash advances, credit or other slips you sign or receive may contain different terms. 
21.  NO WAIVER — The Credit Union can delay enforcing any of its rights any number of times without losing them. 
22.  STATEMENTS AND NOTICES — Statements and notices will be mailed or delivered to you at the appropriate address 
you have given the Credit Union. Notice sent to any one of you will be considered notice to all.  
23.  SEVERABILITY AND FINAL EXPRESSION — This Agreement and the Disclosure are the final expression of the terms 
and conditions of your account. This written Agreement and Disclosure may not be contradicted by evidence of any alleged 
oral agreement. Should any part of this Agreement or the Disclosure be found to be invalid or unenforceable, all other parts 
of  this  Agreement  and  Disclosure  shall  remain  in  effect  and  fully  enforceable  to  the  fullest  extent  possible  under  this 
Agreement. 
24.  COPY RECEIVED — You acknowledge that you have received a copy of this Agreement and Disclosure. 
25.  GAMBLING TRANSACTIONS PROHIBITED — You may not use your card to initiate any type of gambling transaction. 
26.  PENALTY RATE DISCLOSURES  — If applicable to your account, all rates for your account, including the rates for 
purchases, cash advances, and balance transfers, will increase to the Penalty Rate when  you meet one or more of the 
conditions  as set forth  in  the Disclosure accompanying this  Agreement. Any rate increases applied to  your account are 
subject to applicable notice requirements. Please refer to the Disclosure for additional information regarding the Penalty 
Rate. 
27.  NOTICE TO UTAH BORROWERS — This written agreement is a final expression of the agreement between you and 
the Credit Union. This written agreement may not be contradicted by evidence of any oral agreement. 
28.  THE FOLLOWING IS REQUIRED BY VERMONT LAW — NOTICE TO CO-SIGNER — YOUR SIGNATURE ON THIS 
NOTE MEANS THAT YOU  ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES 
NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. 

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Your Billing Rights: Keep this Document for Future Use 

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 

What To Do If You Find A Mistake On Your Statement 
If you think there is an error on your statement, write to us at the address listed on your statement. 
In your letter, give us the following information: 
  -  Account information: Your name and account number. 
  -  Dollar amount: The dollar amount of the suspected error. 
  -  Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you 

believe it is a mistake. 

You must contact us: 
  -  Within 60 days after the error appeared on your statement. 
  -  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you 

think is wrong. 

You must notify us of any potential errors in writing or electronically. You may call us, but if you do we are not required to 
investigate any potential errors and you may have to pay the amount in question. 
What Will Happen After We Receive Your Letter 
When we receive your letter, we must do two things: 
  1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have 

already corrected the error. 

  2. Within  90  days of receiving  your letter,  we must either correct the  error or explain  to  you  why  we believe the bill is 

correct.  

While we investigate whether or not there has been an error: 
  -  We cannot try to collect the amount in question, or report you as delinquent on that amount. 
  -  The charge in question may remain on your statement, and we may continue to charge you interest on that amount. 
  -  While you do not have to pay the amount in question, you are responsible for the remainder of your balance. 
  -  We can apply any unpaid amount against your credit limit.  
After we finish our investigation, one of two things will happen: 
  -  If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that 

amount. 

  -  If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest 
and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you 
as delinquent if you do not pay the amount we think you owe.  

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still 
refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We 
must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when 
the matter has been settled between us. 
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is 
correct. 
Your Rights if You Are Dissatisfied With Your Credit Card Purchases 
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good 
faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. 
To use this right, all of the following must be true: 
  1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the 
purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on 
an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 

  2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a 

check that accesses your credit card account do not qualify. 

  3. You must not yet have fully paid for the purchase. 
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing or electronically at 
the address listed on your statement. 
While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, 
we  will  tell  you  our  decision.  At  that  point,  if  we  think  you  owe  an  amount  and  you  do  not  pay,  we  may  report  you  as 
delinquent. 

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