VISA SIGNATURE
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 Visa credit card and any duplicates, renewals, or substitutions the 
Credit Union issues to you; "account" means your Visa credit card revolving 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.  REVOLVING CREDIT LINE AND USING YOUR ACCOUNT — If you are approved for a Visa Signature account, the 
Credit Union will establish a revolving credit line on your account. Your revolving credit line is the maximum amount we 
allow you to carry over from billing cycle to billing cycle as a revolving line of credit. Your credit union Visa Signature Card 
has a no-preset spending limit feature. Absence of a pre-set spending limit does not mean all transactions will be 
approved. Certain restrictions and exclusions apply. Individual transactions are evaluated by the Credit Union based on 
factors such as suspected fraud, account history, credit record, payment resources, revolving balances, prior cash 
advances, and safety and soundness considerations. If the Credit Union authorize/authorizes a transaction that causes 
you to exceed your revolving credit line, then you must pay, as part of your monthly minimum amount due, the amount by 
which your balance exceeds your credit line. 

You agree that your revolving credit line 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  revolving  credit  line.  If  the  Credit  Union  has  a  program  whereby  it  allows  payment  of 
advances  that  exceed  your  revolving  credit  line,  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 revolving 
credit line, refuse to make an advance and/or terminate your account at any time for any reason not prohibited by law. 
2.  USING  YOUR  CARD  —  You  understand  that  the  use  of  your  credit  card  or  credit  card  account  will  constitute 
acknowledgement of receipt and agreement to the terms of the Credit Card Agreement and Credit Card Account Opening 
Disclosure  (Disclosure).  You  may  use  your  card  to  make  purchases  from  merchants  and  others  who  accept  your  card. 
The credit union is not responsible for the refusal of any merchant or financial institution to honor your card. If you wish to 
pay for goods or services over the Internet, 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. 
3.   CONVENIENCE  CHECKS  —  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 

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(6) 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. 
4.   AUTHORIZATIONS  —  Some  transactions  on  your  account  will  require  prior  approval.  These  prior  approvals  are 
called  "authorizations".  If you  attempt  to  make  a  transaction  that  exceeds  your  revolving credit  line  for Purchases,  your 
account will be evaluated based upon length of time your account has been opened and account usage, performance and 
delinquency patterns with us or with your other creditors, and your ability to repay. If you are authorized to exceed your 
revolving credit  line,  you  will  be  required  to  pay,  as  part  of  your minimum  monthly  payment,  the  amount  by  which  your 
New balance exceeds your revolving credit line. Each payment you make on the account will restore your revolving credit 
line by the amount of the payment which is applied to principal. 

We may limit the number of authorizations we will give the account during any certain period of time and we may deny an 
authorization if we suspect that your account is being used without your permission. For example, authorization requests 
may be declined if you have not activated your Card upon receipt, if we believe you may be unable to repay any portion of 
your balance, or if the total amount due has not been posted by the payment due date. We may also, from time to time, 
request additional information from you, in order to evaluate a transaction request for your Account. For security reasons, 
we cannot explain the details of how the authorization system works. You agree that we will not be liable for failing to give 
an  authorization.  Transactions  at  some  participating  merchants  (such  as  hotels,  car  rental  companies,  restaurants  and 
gas stations) may result in authorizations for amounts greater than the actual purchase amount, which will have the effect 
of  making  less  credit  available  on  your  account  for  several  days  (usually  until  the  date  the  actual  purchase  amount  is 
received from the merchant). If the authorization is denied we may notify the person who attempted the transaction that it 
has been refused. 

5.  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. 
6.  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.  
7.  FINANCE CHARGES — New purchases posted to your account during a billing cycle will not incur a finance charge 
for  that  billing  cycle.  Finance  charge  begins  to  accrue  on  those  purchases  from  the  first  day  of  the  next  billing  cycle, 
unless  you  paid  the  entire  new  balance  on  the  previous  cycle’s  billing  statement  by  the  payment  due  date  of  that 
statement. To avoid an additional finance charge on the balance of purchases, you must pay the entire new balance on 
the  billing  statement  by  the  payment  due  date  of  that  statement.  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  and  subtract  any  payments  and/or 
credits  that  we  apply  to  the  purchase  balance.  (We  do  not  add  in  any  purchases  posted  during  the  billing  cycle.)  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 

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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. 
8.  FOREIGN TRANSACTIONS — Purchases and cash advances made in foreign currencies will be debited from your 
account in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing 
international transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the 
applicable  central  processing  date,  which  rate  may  vary  from  the  rate  Visa  itself  receives  or  the  government-mandated 
rate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from 
the rate that would have been used on the purchase date or cardholder statement posting date.  
A fee (finance charge), calculated in U.S. dollars, will be imposed on all foreign transactions, including purchases, cash 
advances and credits to your account. A foreign transaction is any transaction that you complete or a merchant completes 
on your card outside of the United States, with the exception of U.S. military bases, U.S. territories, U.S. embassies or 
U.S. consulates. The Foreign Transaction Fee is set forth on the Disclosure accompanying this Agreement. 
9.  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.  Cash Advance Fee (Finance Charge). If your account is subject to a Cash Advance Fee (finance charge), the fee 
will  be  charged  to  your  account  when  you  obtain  a  cash  advance  from  an  ATM,  the  Credit  Union  or  other  financial 
institution.  
b.  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.  
c.  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. 
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. 
e.  Statement Copy Fee. If your account is subject to a Statement Copy Fee, except as limited by applicable law and 
when  the  request  is  made  in  connection  with  a  billing  error  made  by  the  Credit  Union,  a  fee  may  be  charged  to  your 
account for each copy of a sales draft or statement that you request. 
f.  Rush Fee. If your account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to your 
account  for  each  rush  card  that  you  request,  providing  delivery  of  the  card  is  also  available  by  standard  mail  service, 
without paying a fee for delivery. 
g.  Card  Replacement  Fee.  If  your  account  is  subject  to  a  Card  Replacement  Fee,  a  fee  will  be  charged  for  each 
replacement card that is issued to you for any reason. 
h.  Pay-by-Phone Fee. If your account is subject to the Pay-by-Phone Fee, a fee will be charged for each time you pay a 
fee by telephone as disclosed on the Disclosure accompanying this Agreement. 
10.  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  $25.00,  whichever  is greater,  plus  the  amount  of  any  prior  minimum  payments  that  you  have  not  made,  all 
outstanding  unpaid  fees  and  charges,  and  any  amount  you  are  over  your  credit  limit  by  the  date  specified  on  the 
statement. The Credit Union also has the right to demand immediate payment of any amount by which you are over your 
credit limit.  
11.  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.  
12.  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.  
13.  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. 

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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. 
14.  LIABILITY  FOR  UNAUTHORIZED  USE-LOST/STOLEN  CARD  NOTIFICATION  —  You  agree  to  notify  us 
immediately,  orally  or  in  writing,  at  PSCU  Financial  Services,  560  Carillon  Parkway,  St.  Petersburg,  FL  33716  or 
telephone (866) 820-3872 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.  You  will  have  no  liability  for  unauthorized 
purchases made with your credit card, unless you are grossly  negligent in the handling of your card. In any case, your 
liability will not exceed $50.00. 
15.  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.  
16.  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. 
17.  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). 
18.  RETURNS  AND  ADJUSTMENTS  —  Merchants  and  others  who  honor  your  card  may  give  credit  for  returns  or 
adjustments, and they will do so by sending the Credit Union a credit slip which will be posted to your account. If  your 
credits and payments exceed what you owe the Credit Union, the amount will be applied against future purchases and 
cash  advances.  If  the  credit  balance  amount  is  $1.00  or  more,  it  will  be  refunded  upon  your  written  request  or 
automatically after six (6) months. 
19.  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. 
20.  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. 
21.  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. 
22.  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. 
23.  NO WAIVER — The Credit Union can delay enforcing any of its rights any number of times without losing them. 
24.  STATEMENTS AND NOTICES — Statements and notices will be mailed 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.  

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25.  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. 
26.  COPY RECEIVED — You acknowledge that you have received a copy of this Agreement and Disclosure. 
27.  GAMBLING  TRANSACTIONS  PROHIBITED  —  You  may  not  use  your  card  to  initiate  any  type  of  gambling 
transaction. 
28.  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. 
29.  NOTICE TO UTAH BORROWERS — This written agreement is a final expression of the agreement between you and 
the Credit Union. This written agreement may not be contradicted by evidence of any oral agreement. 
30.  THE  FOLLOWING  IS  REQUIRED  BY  VERMONT  LAW  —  NOTICE  TO  CO-SIGNER  —  YOUR  SIGNATURE  ON 
THIS  NOTE  MEANS  THAT  YOU  ARE  EQUALLY  LIABLE  FOR  REPAYMENT  OF  THIS  LOAN.  IF  THE  BORROWER 
DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. 

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: 

Quorum Federal Credit Union 
2 Manhattanville Road, Suite 401 
Purchase, NY 10577 

You may also contact us on the Web: www.quorumfcu.org 
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.  

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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: 

Quorum Federal Credit Union 
2 Manhattanville Road, Suite 401 
Purchase, NY 10577 
www.quorumfcu.org 

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. 

©CUNA MUTUAL GROUP, 1991, 2006, 09, 10, ALL RIGHTS RESERVED 

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