or more, we will refund it to you on your written request. If we do
not receive a refund request, we will automatically post the credit
to your EECU share  savings  account.  We reserve  the  right  to
delay  increasing your credit limit  or delay  disbursing credit
balance  refunds  until  final  collection of non-cash payments on
your account for the maximum period allowed by law. 

DEFAULT
You will be in default if you fail to make any Minimum Payment
when due in the proper amount, or if you fail to live up to the
terms  of this agreement.  You  will  also be in default  if your
creditworthiness materially declines,  you  become insolvent,
you  file for  bankruptcy relief,  you  die,  or you  cease  to be a
member of the Credit Union. In addition, you will be in default
if you  have made misleading or incorrect  statements or
material omissions of information in your credit application, or
you  fail  to notify the  Credit Union  of a  change of your
employment,  your name,  or your address.  Even if the  Credit
Union accepts a late payment or a partial payment, we are not
waiving  our  right  to accelerate payment  of the  account  and
declare  the  entire unpaid balance  due.  We have the  right  to
demand immediate payment of your full account balance if you
default, subject to our giving you any notice required by law.
You  agree  to pay  our  reasonable collection costs  before we
take legal  action.  If we take legal  action to collect  what you
owe, you agree to pay our reasonable attorney's fees and court
costs, whether the action we take is a collection suit, an action
to enforce a judgment against you, or an action to protect our
interests if you become a bankruptcy debtor. Collection costs
and attorney's fees will post to your VISA account balance as
Cash Advances and bear interest at the rate applicable to your
VISA account until paid in full.

CONSENT  TO RECOVERY OF DELINQUENT PAYMENTS
FROM SHARES

In consideration for and as a condition of EECU issuing a
credit card to you,  you  agree  that if you  default  on your
credit card payments,  we can  take any  EECU shares in
which  you  have an interest to recover  all  or part of your
delinquent obligation without  notice to you.  This consent
does not  apply  to funds  generally  exempt from creditor's
remedies or accounts that would lose special tax treatment,
such as IRAs, if given as pledged as security for a loan. 

This consent is in addition to any right we have to impose
a lien on shares under the California Financial Code, is not
a pledge of specific shares as security for the VISA credit
card account, will not affect the dividend rates you earn on
your shares,  and  will  not  impair your ability  to withdraw
funds prior to our exercise of our rights under this consent.

CHANGES IN AGREEMENT TERMS
Your EECU VISA Account  Agreement  and  Disclosure is your
agreement  with EECU governing your credit card transactions,
even though sales and Cash Advance slips and other documents
you  sign related  to your transactions may  have different  terms
printed  on them.  This Agreement  can  only be modified by a
writing signed by an authorized EECU representative, an official

EECU change in terms notice, or the order of a court to whose
jurisdiction we are subject, such as a bankruptcy court. No oral
statements by EECU employees  can  alter  the  terms  of this
Agreement. 

Changes in terms, unless favorable to you, will generally apply
only to transactions made after the effective date of the change,
as specified by applicable state and federal laws and regulations.
If required by law,  we will  permit you  to reject certain  types  of
changes,  by providing  the  Credit Union  with an opt-out  notice
and closing your account.  You would then be permitted to repay
any balance on the account under the terms in effect prior to the
changes or as permitted by law. 

CANCELLATION/TERMINATION OF AGREEMENT
You or any jointly obligated party may cancel this agreement at
any time by notifying us in writing. If we have given you a written
notice of cancellation and  you  wish to have your account  re-
evaluated  for  a  new  line of credit,  you  must reapply  and  be
approved.

We may reduce your credit line from time to time, or with good
cause, revoke your card and terminate this agreement. We will
give you thirty days' notice before we reduce or terminate your
account  without  cause.  But  as indicated,  if you  breach this
agreement  we can  terminate  it without  prior  notice to you.
Termination by either of us does not affect your obligation to pay
the account balance, including finance charges. Cards and loan
drafts remain our property and you must recover and surrender
to us all  cards  and  loan drafts upon our  request  and  upon
termination of this agreement.

CREDIT INFORMATION  RETAINED AND  PROVIDED TO
OTHERS
You  authorize  us to investigate  your credit standing when
opening, renewing, or reviewing your account, and you authorize
us to disclose information  regarding  your account  to credit
bureaus and other creditors who inquire of us about your credit
standing, to the extent authorized by law.

As required by law, you are hereby notified that a negative credit
report reflecting on your credit record may  be submitted  to a
credit reporting agency, if you fail to fulfill the terms of your credit
obligation.

YOUR BILLING RIGHTS
KEEP THIS NOTICE FOR FUTURE USE 

STATE  AND  LOCAL  LAW: The  following  summary  of your
rights under federal law does not cover all rights you may have
under State and Local law. If, under State or local law, you have
a longer period of time in which to send an inquiry to the Credit
Union concerning your statement, reliance on any such longer
time period may  result in your losing important  rights which
could be preserved by acting more promptly under federal law.
State or local provisions, if any, only become operative upon
the  expiration  of  the  time  period  provided  by  Federal
Regulation Z for submitting a proper written notification of an
error.  This notice contains important  information  about  your
rights and responsibilities under the Fair Credit Billing Act.

Notify Us in Case of Errors or Questions  About  Your
Statement or Electronic Transfers

If you think your statement or other documentation is wrong or
if you  need more information  about  a  transaction  on your
statement,  write  us on a  separate sheet  at:  Educational
Employees  Credit Union,  VISA Processing,  P.O.  Box  5242,
Fresno CA 93755-5242.  Write  to us as soon as possible.  We
must hear from you  no later  than 60 days after  the  error
appeared on the first statement. You can telephone us at (559)
437-7700 or toll free at (800) 538-EECU, but doing so will not
preserve your rights.

In your letter, give us the following information:
• Your name and account number. 
• The dollar amount of the suspected error. 
• A description of the error and explanation of why you believe
there is an error. If you need more information, describe the
item you are not sure about. 

How  to Stop Payment  of a  Pre-authorized Electronic
Fund Transfer
If you  have authorized us to make your VISA payment
automatically from your share draft account, you can stop the
payment on any amount you think is wrong. To stop payment
you must contact us in writing within 3 business days before
the automatic payment is scheduled to occur. If you telephone
your request, we will require you to confirm your verbal request
in writing.  If you  order  us to stop one  of these  payments 3
business days or more before the  transfer is scheduled,  and
we do not do so, we will be liable for your losses or damages
up to the amount of the transfer.

Your Rights and  Our  Responsibilities After  We Receive
Your Written Notice of Error
We must acknowledge your letter within 30 days, unless we have
corrected the error by then. Within 90 days, we must either correct
the error or explain why we believe the statement is correct.

After  we receive  your letter and  if you  have not  yet  paid the
disputed amount,  we cannot try  to collect  any  amount you
question, or report you as delinquent. We can continue to bill
you  for  the  amount you  question,  including  finance  charges,
and we can apply any unpaid amount against your credit limit.
You do not have to pay the questioned amount while we are
investigating, but you are still obligated to pay the parts of your
statement that are not in question.

If we find that we made a mistake on your statement, you will not
have to pay  any  finance  charges  related  to any  questioned
amount. If we did not make a mistake, you may have to pay the
finance  charge,  and  you  will  have to make up any  missed
payments on the questioned amount. In either case, we will send
you a statement of the amount you owe and the date that it is due. 

If you fail to pay the amount that we think you owe, we may
report you as delinquent. However, if our explanation does not
satisfy you and you write to us within 10 days telling us that you
still refuse to pay, we must tell anyone we report you to that you
have a  question about  your statement.  We must tell  you  the
name of anyone we reported you  to and  we must let  them
know when the matter has been settled.

Special Rule for Credit Card Purchases
If you have a problem with the quality of property or services
that you purchase with a 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 property
or services. There are two limitations on this right:
a) You must have made the purchase in your home state, or if
not within your home state within 100 miles of your current
mailing address; and

(b) The purchase price must have been more than $50. These
limitations do not apply if we own or operate the merchant,
or if we mailed you the  advertisement  for  the  property or
services.

Under  California  law  our  right  to recover outstanding  credit
extended to you for Purchases is subject to any defenses that
you have against the seller, if:

1. The purchase price of the item in question exceeded $50;
2. The purchase was made in California;
3. You  made a  written  demand on the  retailer and  made a
good faith  attempt  to get  satisfaction  of your  complaint;
and 

4. You notify us, in writing, of the name of the seller, the date
of  purchase,  the  price  paid,  the  goods  or  services
purchased, the nature of your defense and the acts which
you took to obtain satisfaction from the seller. 

The  amount  to  which  the  defense  applies  is  limited  to  the
amount outstanding on the purchase as well as late charges
and  finance  charges  at  the  time  the  written  demand  is
received by us. This remedy is the only one you have against
us. Your rights are limited to those circumstances outlined in
California Civil Code § 1747.90. Purchases with cash or check
are not  included  in  this  section,  even  though  you  used  your
credit card to validate your credit. We cannot penalize you by
either giving out unfavorable credit information about you or
canceling or refusing to renew your credit card solely because
you obtained relief under the remedies you have for correcting
billing errors. 

TERMS  APPLICABLE TO VISA PLATINUM CURewards
PROGRAM
VISA Platinum cardholders may participate in the CURewards
program which is governed by the Program Rules outlined in
the CURewards brochure. The following additional rules apply
to the CURewards program:
a. No points are earned for a balance transfer from an existing

EECU VISA account or from another credit card. 

b. Points will accrue over four calendar years and will expire
on  a  first-in-first-out  basis  annually;  points  earned  in
calendar year one will expire as of the last day of calendar
year  four.  (For example, points earned  in 2012 will  expire
December 31,  2015;  points earned  in 2013 will  expire
December 31, 2016, etc.).

c. If your  account  is closed or becomes  inactive  for  18
consecutive  months or if you fail  to make the  minimum
payment due by the payment due date for two consecutive
billing periods, your points may be forfeited.

ATM DISCLOSURE
You may use your card to obtain cash through Automated Teller
Machines that are part of a nationwide network of VISA ATMs.
These special provisions apply.

AVAILABLE SERVICES
1. The amount of cash you can obtain may vary depending on

the ATM you use. 

2. ATM  service  is generally  available  seven  days a  week,  24

hours a day. 

DOCUMENTATION OF TRANSACTIONS
Cash Advances using your VISA ATM card will be shown on a
transaction receipt dispensed by the ATM and on your periodic
statement.

CREDIT UNION LIABILITY
If we do not  properly complete a  transaction  according  to our
agreement  with you,  we will  be liable for  your direct losses or
damages. However, there are some exceptions. We will not be
liable, if:
a. through no fault of ours, you do not have sufficient available

credit to make the transaction; 

b. the  ATM  system was  not  working  properly and  you  knew
about the breakdown when you started the transaction; 
c. the money in your account is subject to legal process or other

claim; 

d. your PIN (Personal Identification Number) has been reported

missing and we have blocked its use; 

e. circumstances  beyond our  control, such as fire,  flood,
electrical failure, or malfunction of the central data processing
facility prevent the completion of the transaction despite our
reasonable precautions; or
there are other lawful exceptions established by us and you
are given proper advance notice of them. 

f.

In no event  will  the  Credit Union  be liable for  consequential
indirect costs or damages.

FEES
If you perform a Cash Advance at an ATM not owned by us, the
owner of the ATM may charge an ATM transaction fee.

SECURITY
Do not use an ATM unless it appears safe to do so. Do not key
in your PIN if someone is looking. Be sure you take your card and
receipt  when you  are  done.  Put  your money  away quickly  and
leave the site.

Federally Insured by NCUA

©EECU
(V.2.22.2010)

M-109194

DISC 2 25M (10/13)

Experience the difference.

www.eecufresno.org

VISA ACCOUNT AGREEMENT
and
DISCLOSURE

EDUCATIONAL EMPLOYEES CREDIT UNION
Shaded Paragraphs Meet Truth in Lending Requirements.
This  agreement  outlines  the  terms  and  conditions  of  your
Educational Employees Credit Union VISA account and provides
required  by  government
certain  disclosure 
regulations.  Keep  this  disclosure  with  your  permanent
documents.

information 

In  this  brochure,  the  words  "you,"  "your,"  and  "yours,"  refer  to
each and all of those who apply for a VISA credit card, sign the
agreement, or all parties who use the card. The words "we," "us,"
"our,"  “Credit  Union,”  and  “EECU”  refer  to  the  Educational
Employees  Credit  Union.    The  term  "card"  refers  to  the  VISA
credit  card  received  with  this  agreement  and  any  duplicates
and/or  renewals  we  issue.  The  term  "account"  refers  to  your
VISA credit card line of credit account with us.

You acknowledge receipt of a copy of this Account Agreement
and  Disclosure.  By  using  the  card,  any  access  device,  or  by
authorizing  another  person  to  use  your  Account,  you  agree  to
and accept the terms as stated.

GENERAL TERMS
The terms of this agreement must be read together as part of the
whole agreement. When the singular is used the plural is implied
if there is more than one signer. If any part of this agreement is
found to be invalid the other parts shall remain in effect. 

Any borrower who receives a card issued under this agreement
must be a member of this Credit Union.

YOUR RESPONSIBILITY
If your application is approved, each applicant will receive a Card
and  will  be  able  to  use  the  Account.  The  applicants  may  also
receive VISA Loan Drafts from time to time at the Credit Union's
option. Each applicant is liable to repay the Account under the
terms of this agreement.

You agree to make your payments when due, and in an amount

 1not  smaller  than  the  minimum  monthly  payment  required  as
disclosed  in  the  paragraph  entitled,  "Making  Payments."  On  a
joint  account,  each  party  is  equally  responsible  for  all  charges
under  this  agreement,  even  though  another  person  has  been
directed to pay the debt by agreement of court order such as a
divorce decree. You agree to notify us immediately of any change
in your name, address, or any change in your financial condition
which may affect your ability to repay.

PERSONS USING YOUR ACCOUNT
You are obligated to repay any charges resulting from the use of
the  card  or  a  VISA  loan  draft  by  another  person  with  your
permission whether or not the person stays within the limits set
by  you.  If  you  notify  us  that  a  previously  authorized  user  is  no
longer  authorized  to  use  the  account,  we  will  follow  our  usual
procedures  to  preclude  their  further  use  of  the  account.  If  you
cannot get the card back from the user, you must let us know and
we will treat the card as stolen. Otherwise you must return the
card to us. You will be liable for all use of the card up to the time
you notify us that the authorization is terminated.

Any persons who use the card or loan drafts are also obligated
to repay the Credit Union for all charges incurred because of their
use of the card or loan drafts.

OUR RESPONSIBILITY
If you have available credit and are not otherwise in default, we
will honor all Purchases and Balance Transfers up to your credit
limit and Cash Advances up to your Cash Advance limit. We will
provide  you  with  a  timely  monthly  statement  that  contains  all
information and disclosure required by law. 

LOST/STOLEN OR UNAUTHORIZED USE OF CARD
Unless you have notified us that the card has been lost or stolen,
all transactions, whether made by you or another person, will be
assumed  to  have  been  made  with  your  consent.  You  agree  to
report the loss, theft, or unauthorized use of your card promptly.
Report your lost/stolen card to (800) 556-5678 or (800) VISA-911.
Or you may call us any business day between 7:00 am and 7:00
pm at (559) 437-7700 or (800) 538-EECU. You may also write to
us  at  P.O.  Box  5242,  Fresno  CA  93755-5242.  Calling  us  is  the
best way to keep losses down. Per VISA operating rules, you will
generally  have  no  liability  for  unauthorized  use  of  your  card.
However,  it  benefits  all  Credit  Union  members  if  losses  due  to
unauthorized use claims are kept to a minimum.

The zero liability rule does not apply to certain point-of-sale and
ATM  transactions  as  set  forth  in  VISA  operating  rules.  Your
maximum liability for unauthorized use of a VISA credit card for
these point-of-sale or ATM transactions is $50. Your liability may
increase if you report the loss or theft of your card more than two
business days (48 hours) after the discovery of the loss or theft.
You will have no liability for unauthorized transactions that occur
after you report the loss or theft of your card to us.

You  may  create  a  special  "Verified  by  Visa"  password  to  verify
your  identity  and  provide  added  protection  to  your  online
Purchases.  You  can  create  your  own  password  at
www.visa.com/verified.

HOW TO USE YOUR VISA ACCOUNT
Your VISA account can be accessed in the ways detailed below.
Your  monthly  VISA  statement  will  identify  the  merchant,
electronic terminal, or financial institution at which transactions
were made; but sales, Cash Advances, and credit slips cannot
be returned with the statement. You will retain your copy of such
slips furnished at the time of the transaction in order to verify the
monthly statement.
(a) Cash  Advances:  You  may  obtain  Cash  Advances  on  your
VISA account at any branch of the Credit Union in any amount
from $50 up to 50% of your credit limit. You may obtain Cash
Advances at other financial institutions that honor VISA cards,
subject to those institutions' limitations. Cash Advances are
subject to fees as outlined in the “OTHER CHARGES” section
of this agreement.

(b) Cash Advances at an Automated Teller Machine (ATM): ATMs
located  across  the  nation  will  disburse  Cash  Advances  on
your card; a VISA emblem will be shown on the face of each
machine.  To  receive  a  Cash  Advance  from  a  participating
VISA ATM, you must insert your card and input your Personal
Identification Number (PIN) which you will receive within 5 to
10  days  after  you  receive  your  card.  The  maximum  Cash
Advance may vary between ATMs. The use of your credit card
for ATM access is subject to additional ATM disclosure terms.
Cash Advances are subject to fees as outlined in the “OTHER
CHARGES” section of this agreement.

IMPORTANT: FOR YOUR PROTECTION, DO NOT WRITE
YOUR PIN NUMBER ON YOUR CARD OR KEEP IT NEAR
YOUR CARD.

(c) Purchases:  You  may  use  your  VISA  card  for  Purchases
anywhere the card is honored by presenting the card to the
merchant and signing the sales slip or voucher. You can also
make  Purchases  by  mail,  telephone,  or  via  the  internet  by
providing the merchant with your card number and expiration
date.

(d) VISA  Loan  Drafts:  The  Credit  Union  from  time  to  time  may
send  you  VISA  loan  drafts.  You  can  use  them  to  make
Purchases or to obtain loan advances. You may not use the
loan  drafts  to  pay  any  outstanding  balance  you  owe  under
this  agreement.  VISA  loan  drafts  are  treated  as  a  Cash
Advance for purposes of calculating finance charges, whether
you  use  them  to  make  a  Purchase  or  to  obtain  a  Cash
Advance.    Use  of  VISA  loan  drafts  are  subject  to  fees  as
outlined  in  the  “OTHER  CHARGES”  section  of  this
agreement.
VISA Loan Drafts are subject to the following additional rules:
(i) Merchant dispute rights to which credit cards are subject
do not apply to use of VISA loan drafts. (ii) To stop payment
on a VISA loan draft, you must provide your account number,
the draft number and the exact amount of the draft; otherwise
our computer system will not be able to find the draft and stop
payment  on  it  and  you  will  need  to  resolve  any  disputes
directly with the payee of the draft. (iii) Destroy any VISA loan
drafts you do not wish to use. (iv) We will not be responsible
for unauthorized loan drafts paid on your account unless you
report  them  to  us  within  60  days  after  we  mail  you  the  first
statement on which they appear. (v) Report any lost or stolen
loan  drafts  immediately;  otherwise  you  may  be  liable  if  an
unauthorized loan draft is paid on your account.  

(e) Foreign Transactions: Purchases and Cash Advances made in
foreign countries and foreign currencies will be billed to you in
U.S.  dollars.  The  exchange  rate  between  the  transaction
currency and the billing currency (U.S. dollars) will be (a) a rate
selected  by  VISA  from  the  range  of  rates  available  in  the
wholesale  currency  markets  for  the  applicable  central
processing date, which rate may vary from the rate VISA itself
receives, or (b) the government-mandated rate in effect for the
applicable central processing date, in each instance, plus or
minus  any  adjustment  determined  by  the  Credit  Union.  An
international  transaction  fee  of  up  to  1%  of  the  transaction
amount  will  apply.  If  a  Cash  Advance  is  conducted  an
additional fee of 2% of the transaction amount ($5 minimum)
will also apply. 
Inquiries: Information about your VISA account is available 24
hours a day through VISA PIN POINT service or through the
Home  Banking  section  of  the  Credit  Union  website.  Either
service will provide account information such as your balance,
last payment received and/or your available credit. VISA PIN
POINT  can  be  accessed  with  a  touch-tone  telephone  by
calling (800) 892-9603. The Credit Union website address is
www.myEECU.org.

(f)

(g) Prohibited  Transactions:  You  agree  that  you  will  not  use  or
allow  your  VISA  account  to  be  used  for  illegal  transactions
such  as  illegal  gambling.  If  we  reasonably  believe  a
transaction is unlawful we have the right but not the duty to
decline  it.  Display  of  a  VISA  logo  by  a  merchant  does  not
necessarily mean that the transaction is lawful. Responsibility
for  determining  the  legality  of  your  VISA  transactions  rests
with  you,  not  with  us.  The  actual  or  alleged  illegality  of  an
authorized transaction will not be defense to your obligation
to pay.

(h) We will not be liable for the failure or refusal of any merchant

to accept your VISA Card or VISA loan drafts.

YOUR CREDIT LIMIT
If  your  VISA  application  is  approved,  the  Credit  Union  will
establish a self-replenishing line of credit for you, and notify you
of the amount in writing. This means that you can borrow the full
amount of the credit limit, repay the principal in full or part, and
borrow again up to your maximum amount of credit, as long as
you  remain  a  member  of  the  Credit  Union  and  continue  to  be
creditworthy.  Your  credit  limit  and  the  unused  portion  still
available  to  you  will  show  on  your  monthly  statement.  Your
available  amount  is  reduced  by  the  principal  balance  owing,
accrued finance charges, fees and late charges, if any. You agree
not to let the account balance exceed your approved credit limit.

If you wish to increase your credit limit, you must apply to the
Credit  Union  by  written,  phone,  or  online  application,  which
must be approved. Unless prohibited by law, we may increase
your credit limit at any time at our option and will notify you in
writing  if  we  do  this.  Your  credit  limit  will  be  reviewed
periodically  and  you  may  be  requested  to  provide  current
information.  We  will  notify  you  in  writing  if  we  increase,
decrease, or terminate with good cause your credit limit and/or
account.  Good  cause  includes,  but  is  not  limited  to,  your
failure  to  comply  with  this  agreement  or  our  adverse  re-
evaluation of your creditworthiness.

BALANCE TRANSFERS
You  may  ask  the  Credit  Union  to  transfer  the  balance  of  your
other credit cards to your EECU VISA account by sending us a
written  request  to  do  so  or  by  using  a  VISA  loan  draft.  Your
written  request  must  state  the  name  of  the  company,  the
address,  the  account  number  and  the  amount  of  the  payoff  or
must include a payment stub. Balance Transfers are subject to
fees  as  outlined  in  section  “OTHER  CHARGES”  in  this
agreement.  If you elect to transfer balances to your EECU VISA
account, the following will apply:
(a) Transfer Amount: We will transfer as much as possible without

exceeding your credit line.

(b) Minimum Payments: Allow four (4) weeks for balances to be
transferred.  You  should  continue  paying  the  minimum
monthly  amount  due  on  your  other  accounts  until  the
balances  have  been  transferred.  We  are  not  responsible  for
any  late  payments,  finance  charges,  disputed  amounts  or
errors on your other accounts.

(c) Billing Disputes: If you currently have any amounts in a billing
dispute, we recommend that they not be transferred because
you may lose your billing dispute rights.  

(d) Finance  Charge:  Balance  Transfers  are  treated  as  Cash
Advances  and  are  assessed  finance  charges  from  the
transaction date.  Finance charges continue until payment in
full is received for the balance.

(e) Closing  Accounts:  Transferring  balances  may  not
automatically close your other accounts. To do so, you should
contact each company directly.

MONTHLY PAYMENTS
You agree to pay all amounts borrowed plus interest, fees and
other charges called for by this agreement in U.S. dollars using
lawful  instruments  drawn  on  U.S.  financial  institutions.    You
agree  to  make  at  least  your  required  minimum  monthly
payment on or before the due date on your periodic statement.

MINIMUM PAYMENT SCHEDULE

BALANCE
Under $20
$20 to $1,000
Over $1,000

MINIMUM PAYMENT
Entire Balance
$20
2% of the principal balance

Your minimum payment must also include any past-due or over-
limit amounts. If your balance exceeds $1,000, increased balances
will result in increased minimum payments. 

The minimum payment amount may be applied to the lowest rate
balance. To the extent your payment exceeds the required minimum;
the excess will be applied first to higher rate balances and then to
lower  rate  balances.  Subject  to  the  requirement  that  payments  in
excess  of  the  minimum  be  applied  to  higher-rate  balances  first,
payments  are  applied  in  the  following  order:  (a)  previously  billed
interest, fees and other charges; (b) previously billed Purchases and
Cash  Advances;  and  (c)  interest,  fees  and  other  charges  on
Purchases and Cash Advances during the current billing cycle; and
(d) Purchases and Cash Advances during the current billing cycle. 

If you take advantage of any promotional or introductory APR
offers,  payments  to  your  account  may  be  applied  to  the
balances at the promotional or introductory APR offer first and

not  to  balances  with  higher  APRs  until  the  promotional  or
introductory  APR  balances  have  been  paid  in  full  or  have
expired.  

You  can  pay  all  or  part  of  your  full  balance  due  at  any  time
without  prepayment  penalty.  If  you  make  more  than  your
required minimum payment, you will still be required to make
your next month's required minimum payment by its due date.
Making  more  than  the  required  minimum  payment  will
generally reduce the time it takes to pay off your balance and
the interest you pay.

We may offer “skip payment” promotions from time to time. If
you elect to skip your payment, interest will continue to accrue.
Our  offering  you  a  skip  payment  will  not  waive  our  right  to
require you to make any other payment on its due date.  

MAKING PAYMENTS
Mail  the  top  half  of  your  monthly  VISA  bill  with  your  check  or
other payment instrument to the address shown on your periodic
statement. You may also make your payment at any of our offices
or  through  the  EECU  Home  Banking  site  by  making  a  transfer
from your deposit account.   It is your responsibility to ensure that
your payment arrives at our payment processing center on time.
We are not responsible for mail lost, damaged or misdelivered by
the postal service.

DO  NOT 
OBLIGATIONS WITH YOUR CREDIT CARD PAYMENT 

INCLUDE  PAYMENTS  FOR  OTHER  EECU

FINANCE CHARGES 
You  will  pay  interest  and  other  charges  on  your  VISA
account. Interest and some of the other charges are called
“Finance  Charges.”  Finance  Charges  are  the  amounts  of
money  that  you  pay  for  the  money  that  you  borrow.  In
addition  to  interest,  some  of  the  fees  in  the  “OTHER
CHARGES”  section  of  your  VISA  Account  Agreement  and
Disclosure, shown in bold, are considered Finance Charges.
To  make  VISA  accounts  available  to  as  many  members  as
possible,  we  offer  a  variety  of  rates.  The  actual  rate  of
interest applicable to your account will depend on a number
of factors we may lawfully consider, including but not limited
to  your  credit  history.  When  you  are  approved  for  a  VISA
account, we will disclose the ANNUAL PERCENTAGE RATE
and  any  variable  rate  formula  that  will  apply  to  your
Educational Employees Credit Union VISA account in writing
before you can start using your account.

Finance  Charge  Calculation  Method:  Average  Daily  Balance:
We start by calculating the average daily balance for the billing
period.  For  each  day  of  the  billing  period,  we  determine  the
daily balance by adding up all Cash Advances, Purchases, and
debit  adjustments  plus  any  amount  outstanding  as  of  your
most  recent  payment,  then  subtracting  any  payments  and
credits for that day. We then add all of the daily balances for the
billing  period  and  divide  them  by  the  number  of  days  in  the
billing  period.  We  then  multiply  the  average  daily  balance  by
the monthly periodic rate to determine the finance charge for
that  billing  period.  The  minimum  finance  charge  in  a  billing
cycle is $.50.

Grace  Period:  You  will  have  a  grace  period  of  25  days  on
average  for  repayment  of  Purchases.  Cash  Advances  and
Balance Transfers are subject to finance charges from the day
they post to your account until they are paid in full.  If you do not
pay your entire statement balance in full within the 25-day grace
period, finance charges will accrue on your purchase balance. 

We can change your interest rate and other finance charges
by  giving  you  advance  notice  as  is  required  by  applicable
law.  Unless  you  have  a  variable  rate  account,  changes  will
generally apply to transactions initiated more than 14 days
after provision of the notice. 

OTHER CHARGES
In  addition  to  Finance  Charges,  the  following  fees  may  be
assessed  to  your  Visa    Account.  They  will  be  added  to  the
principal balance and will accrue interest until paid:

•
Late Payment:
• Returned Payment:
• Over-the-Credit Limit:
• Balance Transfer:

• Cash Advance:*

•

•

Foreign Transaction:

Account Research:

Statement Copies:

•
• Replacement Cards:

Up to $15.00
$24.00
None
$5.00 or 2% of the transfer
amount, whichever is greater
$5.00 or 2% of the cash advance
amount, whichever is greater
Up to 1% of the transaction
amount in US dollars
$20.00 per hour, one hour 
minimum
$3.00 per statement
$5.00 per card, plus additional
charge for rush orders

•

•

•

•

Stop Payment on Recurring
VISA Transaction:
Stop Payment  on
VISA Loan Draft:
VISA Loan Draft:

$15.00

Visa Sales Slip Copy:

$15.00
The standard cash advance fee
applies to each VISA Loan Draft
Paid
$12.00 each

For new accounts, fees and charges are also stated in the Truth
in Lending Credit Card Opening Disclosure incorporated into
this  Agreement  by  reference  and  provided  to  you  separately
when your account was opened.

*The  following  are  considered  Cash  Advances:  (a)  obtaining
cash at an ATM using your VISA card; (b) a Cash Advance at a
financial  institution  or  other  entity  that  offer  Visa  Cash
Advances; (c) funds from the use of a Visa Loan Draft.

CREDITS
If a merchant who honors your card gives you credit for returns
or adjustments, he will do so by sending us a credit slip which we
will  post  to  your  account.  You  will  be  liable  for  any  finance
charges that accrue between the end of your grace period and
the  time  the  credit  posts  to  your  account.  If  your  credits  and
payments  exceed  what  you  owe,  the  amount  will  be  applied
against future Purchases and Cash Advances. If the credit is $1

 2not  smaller  than  the  minimum  monthly  payment  required  as
disclosed  in  the  paragraph  entitled,  "Making  Payments."  On  a
joint  account,  each  party  is  equally  responsible  for  all  charges
under  this  agreement,  even  though  another  person  has  been
directed to pay the debt by agreement of court order such as a
divorce decree. You agree to notify us immediately of any change
in your name, address, or any change in your financial condition
which may affect your ability to repay.

PERSONS USING YOUR ACCOUNT
You are obligated to repay any charges resulting from the use of
the  card  or  a  VISA  loan  draft  by  another  person  with  your
permission whether or not the person stays within the limits set
by  you.  If  you  notify  us  that  a  previously  authorized  user  is  no
longer  authorized  to  use  the  account,  we  will  follow  our  usual
procedures  to  preclude  their  further  use  of  the  account.  If  you
cannot get the card back from the user, you must let us know and
we will treat the card as stolen. Otherwise you must return the
card to us. You will be liable for all use of the card up to the time
you notify us that the authorization is terminated.

Any persons who use the card or loan drafts are also obligated
to repay the Credit Union for all charges incurred because of their
use of the card or loan drafts.

OUR RESPONSIBILITY
If you have available credit and are not otherwise in default, we
will honor all Purchases and Balance Transfers up to your credit
limit and Cash Advances up to your Cash Advance limit. We will
provide  you  with  a  timely  monthly  statement  that  contains  all
information and disclosure required by law. 

LOST/STOLEN OR UNAUTHORIZED USE OF CARD
Unless you have notified us that the card has been lost or stolen,
all transactions, whether made by you or another person, will be
assumed  to  have  been  made  with  your  consent.  You  agree  to
report the loss, theft, or unauthorized use of your card promptly.
Report your lost/stolen card to (800) 556-5678 or (800) VISA-911.
Or you may call us any business day between 7:00 am and 7:00
pm at (559) 437-7700 or (800) 538-EECU. You may also write to
us  at  P.O.  Box  5242,  Fresno  CA  93755-5242.  Calling  us  is  the
best way to keep losses down. Per VISA operating rules, you will
generally  have  no  liability  for  unauthorized  use  of  your  card.
However,  it  benefits  all  Credit  Union  members  if  losses  due  to
unauthorized use claims are kept to a minimum.

The zero liability rule does not apply to certain point-of-sale and
ATM  transactions  as  set  forth  in  VISA  operating  rules.  Your
maximum liability for unauthorized use of a VISA credit card for
these point-of-sale or ATM transactions is $50. Your liability may
increase if you report the loss or theft of your card more than two
business days (48 hours) after the discovery of the loss or theft.
You will have no liability for unauthorized transactions that occur
after you report the loss or theft of your card to us.

You  may  create  a  special  "Verified  by  Visa"  password  to  verify
your  identity  and  provide  added  protection  to  your  online
Purchases.  You  can  create  your  own  password  at
www.visa.com/verified.

HOW TO USE YOUR VISA ACCOUNT
Your VISA account can be accessed in the ways detailed below.
Your  monthly  VISA  statement  will  identify  the  merchant,
electronic terminal, or financial institution at which transactions
were made; but sales, Cash Advances, and credit slips cannot
be returned with the statement. You will retain your copy of such
slips furnished at the time of the transaction in order to verify the
monthly statement.
(a) Cash  Advances:  You  may  obtain  Cash  Advances  on  your
VISA account at any branch of the Credit Union in any amount
from $50 up to 50% of your credit limit. You may obtain Cash
Advances at other financial institutions that honor VISA cards,
subject to those institutions' limitations. Cash Advances are
subject to fees as outlined in the “OTHER CHARGES” section
of this agreement.

(b) Cash Advances at an Automated Teller Machine (ATM): ATMs
located  across  the  nation  will  disburse  Cash  Advances  on
your card; a VISA emblem will be shown on the face of each
machine.  To  receive  a  Cash  Advance  from  a  participating
VISA ATM, you must insert your card and input your Personal
Identification Number (PIN) which you will receive within 5 to
10  days  after  you  receive  your  card.  The  maximum  Cash
Advance may vary between ATMs. The use of your credit card
for ATM access is subject to additional ATM disclosure terms.
Cash Advances are subject to fees as outlined in the “OTHER
CHARGES” section of this agreement.

IMPORTANT: FOR YOUR PROTECTION, DO NOT WRITE
YOUR PIN NUMBER ON YOUR CARD OR KEEP IT NEAR
YOUR CARD.

(c) Purchases:  You  may  use  your  VISA  card  for  Purchases
anywhere the card is honored by presenting the card to the
merchant and signing the sales slip or voucher. You can also
make  Purchases  by  mail,  telephone,  or  via  the  internet  by
providing the merchant with your card number and expiration
date.

(d) VISA  Loan  Drafts:  The  Credit  Union  from  time  to  time  may
send  you  VISA  loan  drafts.  You  can  use  them  to  make
Purchases or to obtain loan advances. You may not use the
loan  drafts  to  pay  any  outstanding  balance  you  owe  under
this  agreement.  VISA  loan  drafts  are  treated  as  a  Cash
Advance for purposes of calculating finance charges, whether
you  use  them  to  make  a  Purchase  or  to  obtain  a  Cash
Advance.    Use  of  VISA  loan  drafts  are  subject  to  fees  as
outlined  in  the  “OTHER  CHARGES”  section  of  this
agreement.
VISA Loan Drafts are subject to the following additional rules:
(i) Merchant dispute rights to which credit cards are subject
do not apply to use of VISA loan drafts. (ii) To stop payment
on a VISA loan draft, you must provide your account number,
the draft number and the exact amount of the draft; otherwise
our computer system will not be able to find the draft and stop
payment  on  it  and  you  will  need  to  resolve  any  disputes
directly with the payee of the draft. (iii) Destroy any VISA loan
drafts you do not wish to use. (iv) We will not be responsible
for unauthorized loan drafts paid on your account unless you
report  them  to  us  within  60  days  after  we  mail  you  the  first
statement on which they appear. (v) Report any lost or stolen
loan  drafts  immediately;  otherwise  you  may  be  liable  if  an
unauthorized loan draft is paid on your account.  

(e) Foreign Transactions: Purchases and Cash Advances made in
foreign countries and foreign currencies will be billed to you in
U.S.  dollars.  The  exchange  rate  between  the  transaction
currency and the billing currency (U.S. dollars) will be (a) a rate
selected  by  VISA  from  the  range  of  rates  available  in  the
wholesale  currency  markets  for  the  applicable  central
processing date, which rate may vary from the rate VISA itself
receives, or (b) the government-mandated rate in effect for the
applicable central processing date, in each instance, plus or
minus  any  adjustment  determined  by  the  Credit  Union.  An
international  transaction  fee  of  up  to  1%  of  the  transaction
amount  will  apply.  If  a  Cash  Advance  is  conducted  an
additional fee of 2% of the transaction amount ($5 minimum)
will also apply. 
Inquiries: Information about your VISA account is available 24
hours a day through VISA PIN POINT service or through the
Home  Banking  section  of  the  Credit  Union  website.  Either
service will provide account information such as your balance,
last payment received and/or your available credit. VISA PIN
POINT  can  be  accessed  with  a  touch-tone  telephone  by
calling (800) 892-9603. The Credit Union website address is
www.myEECU.org.

(f)

(g) Prohibited  Transactions:  You  agree  that  you  will  not  use  or
allow  your  VISA  account  to  be  used  for  illegal  transactions
such  as  illegal  gambling.  If  we  reasonably  believe  a
transaction is unlawful we have the right but not the duty to
decline  it.  Display  of  a  VISA  logo  by  a  merchant  does  not
necessarily mean that the transaction is lawful. Responsibility
for  determining  the  legality  of  your  VISA  transactions  rests
with  you,  not  with  us.  The  actual  or  alleged  illegality  of  an
authorized transaction will not be defense to your obligation
to pay.

(h) We will not be liable for the failure or refusal of any merchant

to accept your VISA Card or VISA loan drafts.

YOUR CREDIT LIMIT
If  your  VISA  application  is  approved,  the  Credit  Union  will
establish a self-replenishing line of credit for you, and notify you
of the amount in writing. This means that you can borrow the full
amount of the credit limit, repay the principal in full or part, and
borrow again up to your maximum amount of credit, as long as
you  remain  a  member  of  the  Credit  Union  and  continue  to  be
creditworthy.  Your  credit  limit  and  the  unused  portion  still
available  to  you  will  show  on  your  monthly  statement.  Your
available  amount  is  reduced  by  the  principal  balance  owing,
accrued finance charges, fees and late charges, if any. You agree
not to let the account balance exceed your approved credit limit.

If you wish to increase your credit limit, you must apply to the
Credit  Union  by  written,  phone,  or  online  application,  which
must be approved. Unless prohibited by law, we may increase
your credit limit at any time at our option and will notify you in
writing  if  we  do  this.  Your  credit  limit  will  be  reviewed
periodically  and  you  may  be  requested  to  provide  current
information.  We  will  notify  you  in  writing  if  we  increase,
decrease, or terminate with good cause your credit limit and/or
account.  Good  cause  includes,  but  is  not  limited  to,  your
failure  to  comply  with  this  agreement  or  our  adverse  re-
evaluation of your creditworthiness.

BALANCE TRANSFERS
You  may  ask  the  Credit  Union  to  transfer  the  balance  of  your
other credit cards to your EECU VISA account by sending us a
written  request  to  do  so  or  by  using  a  VISA  loan  draft.  Your
written  request  must  state  the  name  of  the  company,  the
address,  the  account  number  and  the  amount  of  the  payoff  or
must include a payment stub. Balance Transfers are subject to
fees  as  outlined  in  section  “OTHER  CHARGES”  in  this
agreement.  If you elect to transfer balances to your EECU VISA
account, the following will apply:
(a) Transfer Amount: We will transfer as much as possible without

exceeding your credit line.

(b) Minimum Payments: Allow four (4) weeks for balances to be
transferred.  You  should  continue  paying  the  minimum
monthly  amount  due  on  your  other  accounts  until  the
balances  have  been  transferred.  We  are  not  responsible  for
any  late  payments,  finance  charges,  disputed  amounts  or
errors on your other accounts.

(c) Billing Disputes: If you currently have any amounts in a billing
dispute, we recommend that they not be transferred because
you may lose your billing dispute rights.  

(d) Finance  Charge:  Balance  Transfers  are  treated  as  Cash
Advances  and  are  assessed  finance  charges  from  the
transaction date.  Finance charges continue until payment in
full is received for the balance.

(e) Closing  Accounts:  Transferring  balances  may  not
automatically close your other accounts. To do so, you should
contact each company directly.

MONTHLY PAYMENTS
You agree to pay all amounts borrowed plus interest, fees and
other charges called for by this agreement in U.S. dollars using
lawful  instruments  drawn  on  U.S.  financial  institutions.    You
agree  to  make  at  least  your  required  minimum  monthly
payment on or before the due date on your periodic statement.

MINIMUM PAYMENT SCHEDULE

BALANCE
Under $20
$20 to $1,000
Over $1,000

MINIMUM PAYMENT
Entire Balance
$20
2% of the principal balance

Your minimum payment must also include any past-due or over-
limit amounts. If your balance exceeds $1,000, increased balances
will result in increased minimum payments. 

The minimum payment amount may be applied to the lowest rate
balance. To the extent your payment exceeds the required minimum;
the excess will be applied first to higher rate balances and then to
lower  rate  balances.  Subject  to  the  requirement  that  payments  in
excess  of  the  minimum  be  applied  to  higher-rate  balances  first,
payments  are  applied  in  the  following  order:  (a)  previously  billed
interest, fees and other charges; (b) previously billed Purchases and
Cash  Advances;  and  (c)  interest,  fees  and  other  charges  on
Purchases and Cash Advances during the current billing cycle; and
(d) Purchases and Cash Advances during the current billing cycle. 

If you take advantage of any promotional or introductory APR
offers,  payments  to  your  account  may  be  applied  to  the
balances at the promotional or introductory APR offer first and

not  to  balances  with  higher  APRs  until  the  promotional  or
introductory  APR  balances  have  been  paid  in  full  or  have
expired.  

You  can  pay  all  or  part  of  your  full  balance  due  at  any  time
without  prepayment  penalty.  If  you  make  more  than  your
required minimum payment, you will still be required to make
your next month's required minimum payment by its due date.
Making  more  than  the  required  minimum  payment  will
generally reduce the time it takes to pay off your balance and
the interest you pay.

We may offer “skip payment” promotions from time to time. If
you elect to skip your payment, interest will continue to accrue.
Our  offering  you  a  skip  payment  will  not  waive  our  right  to
require you to make any other payment on its due date.  

MAKING PAYMENTS
Mail  the  top  half  of  your  monthly  VISA  bill  with  your  check  or
other payment instrument to the address shown on your periodic
statement. You may also make your payment at any of our offices
or  through  the  EECU  Home  Banking  site  by  making  a  transfer
from your deposit account.   It is your responsibility to ensure that
your payment arrives at our payment processing center on time.
We are not responsible for mail lost, damaged or misdelivered by
the postal service.

DO  NOT 
OBLIGATIONS WITH YOUR CREDIT CARD PAYMENT 

INCLUDE  PAYMENTS  FOR  OTHER  EECU

FINANCE CHARGES 
You  will  pay  interest  and  other  charges  on  your  VISA
account. Interest and some of the other charges are called
“Finance  Charges.”  Finance  Charges  are  the  amounts  of
money  that  you  pay  for  the  money  that  you  borrow.  In
addition  to  interest,  some  of  the  fees  in  the  “OTHER
CHARGES”  section  of  your  VISA  Account  Agreement  and
Disclosure, shown in bold, are considered Finance Charges.
To  make  VISA  accounts  available  to  as  many  members  as
possible,  we  offer  a  variety  of  rates.  The  actual  rate  of
interest applicable to your account will depend on a number
of factors we may lawfully consider, including but not limited
to  your  credit  history.  When  you  are  approved  for  a  VISA
account, we will disclose the ANNUAL PERCENTAGE RATE
and  any  variable  rate  formula  that  will  apply  to  your
Educational Employees Credit Union VISA account in writing
before you can start using your account.

Finance  Charge  Calculation  Method:  Average  Daily  Balance:
We start by calculating the average daily balance for the billing
period.  For  each  day  of  the  billing  period,  we  determine  the
daily balance by adding up all Cash Advances, Purchases, and
debit  adjustments  plus  any  amount  outstanding  as  of  your
most  recent  payment,  then  subtracting  any  payments  and
credits for that day. We then add all of the daily balances for the
billing  period  and  divide  them  by  the  number  of  days  in  the
billing  period.  We  then  multiply  the  average  daily  balance  by
the monthly periodic rate to determine the finance charge for
that  billing  period.  The  minimum  finance  charge  in  a  billing
cycle is $.50.

Grace  Period:  You  will  have  a  grace  period  of  25  days  on
average  for  repayment  of  Purchases.  Cash  Advances  and
Balance Transfers are subject to finance charges from the day
they post to your account until they are paid in full.  If you do not
pay your entire statement balance in full within the 25-day grace
period, finance charges will accrue on your purchase balance. 

We can change your interest rate and other finance charges
by  giving  you  advance  notice  as  is  required  by  applicable
law.  Unless  you  have  a  variable  rate  account,  changes  will
generally apply to transactions initiated more than 14 days
after provision of the notice. 

OTHER CHARGES
In  addition  to  Finance  Charges,  the  following  fees  may  be
assessed  to  your  Visa    Account.  They  will  be  added  to  the
principal balance and will accrue interest until paid:

•
Late Payment:
• Returned Payment:
• Over-the-Credit Limit:
• Balance Transfer:

• Cash Advance:*

•

•

Foreign Transaction:

Account Research:

Statement Copies:

•
• Replacement Cards:

Up to $15.00
$24.00
None
$5.00 or 2% of the transfer
amount, whichever is greater
$5.00 or 2% of the cash advance
amount, whichever is greater
Up to 1% of the transaction
amount in US dollars
$20.00 per hour, one hour 
minimum
$3.00 per statement
$5.00 per card, plus additional
charge for rush orders

•

•

•

•

Stop Payment on Recurring
VISA Transaction:
Stop Payment  on
VISA Loan Draft:
VISA Loan Draft:

$15.00

Visa Sales Slip Copy:

$15.00
The standard cash advance fee
applies to each VISA Loan Draft
Paid
$12.00 each

For new accounts, fees and charges are also stated in the Truth
in Lending Credit Card Opening Disclosure incorporated into
this  Agreement  by  reference  and  provided  to  you  separately
when your account was opened.

*The  following  are  considered  Cash  Advances:  (a)  obtaining
cash at an ATM using your VISA card; (b) a Cash Advance at a
financial  institution  or  other  entity  that  offer  Visa  Cash
Advances; (c) funds from the use of a Visa Loan Draft.

CREDITS
If a merchant who honors your card gives you credit for returns
or adjustments, he will do so by sending us a credit slip which we
will  post  to  your  account.  You  will  be  liable  for  any  finance
charges that accrue between the end of your grace period and
the  time  the  credit  posts  to  your  account.  If  your  credits  and
payments  exceed  what  you  owe,  the  amount  will  be  applied
against future Purchases and Cash Advances. If the credit is $1

 3not  smaller  than the  minimum  monthly  payment  required as
disclosed  in the  paragraph  entitled,  "Making  Payments." On a
joint  account,  each party  is equally  responsible  for  all  charges
under  this agreement,  even though another  person has  been
directed to pay the debt by agreement of court order such as a
divorce decree. You agree to notify us immediately of any change
in your name, address, or any change in your financial condition
which may affect your ability to repay.

PERSONS USING YOUR ACCOUNT
You are obligated to repay any charges resulting from the use of
the  card or a  VISA loan draft  by another  person with your
permission whether or not the person stays within the limits set
by you.  If you  notify us that a  previously authorized user is no
longer authorized to use  the  account,  we will  follow our  usual
procedures to preclude their  further  use  of the  account.  If you
cannot get the card back from the user, you must let us know and
we will treat the card as stolen. Otherwise you must return the
card to us. You will be liable for all use of the card up to the time
you notify us that the authorization is terminated.

Any persons who use the card or loan drafts are also obligated
to repay the Credit Union for all charges incurred because of their
use of the card or loan drafts.

OUR RESPONSIBILITY
If you have available credit and are not otherwise in default, we
will honor all Purchases and Balance Transfers up to your credit
limit and Cash Advances up to your Cash Advance limit. We will
provide  you  with a  timely monthly  statement  that contains all
information and disclosure required by law. 

LOST/STOLEN OR UNAUTHORIZED USE OF CARD
Unless you have notified us that the card has been lost or stolen,
all transactions, whether made by you or another person, will be
assumed  to have been made with your consent.  You  agree  to
report the loss, theft, or unauthorized use of your card promptly.
Report your lost/stolen card to (800) 556-5678 or (800) VISA-911.
Or you may call us any business day between 7:00 am and 7:00
pm at (559) 437-7700 or (800) 538-EECU. You may also write to
us at P.O.  Box  5242,  Fresno CA 93755-5242.  Calling  us is the
best way to keep losses down. Per VISA operating rules, you will
generally  have no liability  for  unauthorized use  of your card.
However,  it benefits all  Credit Union  members  if losses due  to
unauthorized use claims are kept to a minimum.

The zero liability rule does not apply to certain point-of-sale and
ATM  transactions as set  forth  in VISA operating  rules.  Your
maximum liability for unauthorized use of a VISA credit card for
these point-of-sale or ATM transactions is $50. Your liability may
increase if you report the loss or theft of your card more than two
business days (48 hours) after the discovery of the loss or theft.
You will have no liability for unauthorized transactions that occur
after you report the loss or theft of your card to us.

You  may  create a  special  "Verified  by Visa"  password to verify
your identity and  provide  added  protection to your online
Purchases.  You  can  create  your  own  password at
www.visa.com/verified.

HOW TO USE YOUR VISA ACCOUNT
Your VISA account can be accessed in the ways detailed below.
Your  monthly  VISA  statement  will  identify  the  merchant,
electronic terminal, or financial institution at which transactions
were made; but sales, Cash Advances, and credit slips cannot
be returned with the statement. You will retain your copy of such
slips furnished at the time of the transaction in order to verify the
monthly statement.
(a) Cash Advances:  You  may  obtain Cash Advances on your
VISA account at any branch of the Credit Union in any amount
from $50 up to 50% of your credit limit. You may obtain Cash
Advances at other financial institutions that honor VISA cards,
subject to those institutions' limitations. Cash Advances are
subject to fees as outlined in the “OTHER CHARGES” section
of this agreement.

(b) Cash Advances at an Automated Teller Machine (ATM): ATMs
located  across the  nation will  disburse Cash Advances on
your card; a VISA emblem will be shown on the face of each
machine.  To receive  a  Cash Advance  from a  participating
VISA ATM, you must insert your card and input your Personal
Identification Number (PIN) which you will receive within 5 to
10 days after  you  receive  your card.  The  maximum  Cash
Advance may vary between ATMs. The use of your credit card
for ATM access is subject to additional ATM disclosure terms.
Cash Advances are subject to fees as outlined in the “OTHER
CHARGES” section of this agreement.

IMPORTANT: FOR YOUR PROTECTION, DO NOT WRITE
YOUR PIN NUMBER ON YOUR CARD OR KEEP IT NEAR
YOUR CARD.

(c) Purchases:  You  may  use  your VISA card for  Purchases
anywhere the card is honored by presenting the card to the
merchant and signing the sales slip or voucher. You can also
make Purchases  by mail,  telephone,  or via  the  internet  by
providing the merchant with your card number and expiration
date.

(d) VISA Loan Drafts:  The  Credit Union  from time to time may
send you  VISA loan drafts.  You  can  use  them to make
Purchases or to obtain loan advances. You may not use the
loan drafts to pay  any  outstanding  balance  you  owe  under
this agreement.  VISA loan drafts are  treated  as a  Cash
Advance for purposes of calculating finance charges, whether
you  use  them to make a  Purchase or to obtain a  Cash
Advance.  Use  of VISA loan drafts are  subject  to fees as
outlined  in  the  “OTHER  CHARGES”  section  of  this
agreement.
VISA Loan Drafts are subject to the following additional rules:
(i) Merchant dispute rights to which credit cards are subject
do not apply to use of VISA loan drafts. (ii) To stop payment
on a VISA loan draft, you must provide your account number,
the draft number and the exact amount of the draft; otherwise
our computer system will not be able to find the draft and stop
payment  on it and  you  will  need to resolve  any  disputes
directly with the payee of the draft. (iii) Destroy any VISA loan
drafts you do not wish to use. (iv) We will not be responsible
for unauthorized loan drafts paid on your account unless you
report them to us within 60 days after  we mail  you  the  first
statement on which they appear. (v) Report any lost or stolen
loan drafts immediately;  otherwise  you  may  be liable if an
unauthorized loan draft is paid on your account. 

(e) Foreign Transactions: Purchases and Cash Advances made in
foreign countries and foreign currencies will be billed to you in
U.S.  dollars.  The  exchange  rate  between  the  transaction
currency and the billing currency (U.S. dollars) will be (a) a rate
selected  by  VISA  from  the  range  of  rates  available  in  the
wholesale  currency  markets  for  the  applicable  central
processing date, which rate may vary from the rate VISA itself
receives, or (b) the government-mandated rate in effect for the
applicable central processing date, in each instance, plus or
minus  any  adjustment  determined  by  the  Credit  Union.  An
international  transaction  fee  of  up  to  1%  of  the  transaction
amount  will  apply.  If  a  Cash  Advance  is  conducted  an
additional fee of 2% of the transaction amount ($5 minimum)
will also apply. 
Inquiries: Information about your VISA account is available 24
hours a day through VISA PIN POINT service or through the
Home  Banking  section  of  the  Credit  Union  website.  Either
service will provide account information such as your balance,
last payment received and/or your available credit. VISA PIN
POINT  can  be  accessed  with  a  touch-tone  telephone  by
calling (800) 892-9603. The Credit Union website address is
www.myEECU.org.

(f)

(g) Prohibited  Transactions:  You  agree  that  you  will  not  use  or
allow  your  VISA  account  to  be  used  for  illegal  transactions
such  as  illegal  gambling.  If  we  reasonably  believe  a
transaction is unlawful we have the right but not the duty to
decline  it.  Display  of  a  VISA  logo  by  a  merchant  does  not
necessarily mean that the transaction is lawful. Responsibility
for  determining  the  legality  of  your  VISA  transactions  rests
with  you,  not  with  us.  The  actual  or  alleged  illegality  of  an
authorized transaction will not be defense to your obligation
to pay.

(h) We will not be liable for the failure or refusal of any merchant

to accept your VISA Card or VISA loan drafts.

YOUR CREDIT LIMIT
If  your  VISA  application  is  approved,  the  Credit  Union  will
establish a self-replenishing line of credit for you, and notify you
of the amount in writing. This means that you can borrow the full
amount of the credit limit, repay the principal in full or part, and
borrow again up to your maximum amount of credit, as long as
you  remain  a  member  of  the  Credit  Union  and  continue  to  be
creditworthy.  Your  credit  limit  and  the  unused  portion  still
available  to  you  will  show  on  your  monthly  statement.  Your
available  amount  is  reduced  by  the  principal  balance  owing,
accrued finance charges, fees and late charges, if any. You agree
not to let the account balance exceed your approved credit limit.

If you wish to increase your credit limit, you must apply to the
Credit  Union  by  written,  phone,  or  online  application,  which
must be approved. Unless prohibited by law, we may increase
your credit limit at any time at our option and will notify you in
writing  if  we  do  this.  Your  credit  limit  will  be  reviewed
periodically  and  you  may  be  requested  to  provide  current
information.  We  will  notify  you  in  writing  if  we  increase,
decrease, or terminate with good cause your credit limit and/or
account.  Good  cause  includes,  but  is  not  limited  to,  your
failure  to  comply  with  this  agreement  or  our  adverse  re-
evaluation of your creditworthiness.

BALANCE TRANSFERS
You  may  ask  the  Credit Union  to transfer the  balance  of your
other credit cards to your EECU VISA account by sending us a
written  request  to do so or by using  a  VISA loan draft.  Your
written  request  must state  the  name of the  company,  the
address,  the  account  number and  the  amount of the  payoff  or
must include a payment stub. Balance Transfers are subject to
fees  as  outlined  in  section  “OTHER  CHARGES”  in  this
agreement.  If you elect to transfer balances to your EECU VISA
account, the following will apply:
(a) Transfer Amount: We will transfer as much as possible without

exceeding your credit line.

(b) Minimum Payments: Allow four (4) weeks for balances to be
transferred.  You  should  continue  paying  the  minimum
monthly  amount due  on your other  accounts until  the
balances have been transferred.  We are  not  responsible  for
any  late payments,  finance  charges,  disputed amounts  or
errors on your other accounts.

(c) Billing Disputes: If you currently have any amounts in a billing
dispute, we recommend that they not be transferred because
you may lose your billing dispute rights. 

(d) Finance  Charge:  Balance  Transfers  are  treated  as Cash
Advances and  are  assessed finance  charges  from the
transaction date.  Finance charges continue until payment in
full is received for the balance.

(e) Closing  Accounts:  Transferring  balances  may  not
automatically close your other accounts. To do so, you should
contact each company directly.

MONTHLY PAYMENTS
You agree to pay all amounts borrowed plus interest, fees and
other charges called for by this agreement in U.S. dollars using
lawful  instruments  drawn  on U.S.  financial  institutions.  You
agree  to make at
least  your required minimum  monthly
payment on or before the due date on your periodic statement.

MINIMUM PAYMENT SCHEDULE

BALANCE
Under $20
$20 to $1,000
Over $1,000

MINIMUM PAYMENT
Entire Balance
$20
2% of the principal balance

Your minimum payment must also include any past-due or over-
limit amounts. If your balance exceeds $1,000, increased balances
will result in increased minimum payments. 

The minimum payment amount may be applied to the lowest rate
balance. To the extent your payment exceeds the required minimum;
the excess will be applied first to higher rate balances and then to
lower  rate balances.  Subject  to the  requirement  that  payments in
excess of  the  minimum  be applied  to higher-rate  balances first,
payments are  applied  in the  following  order:  (a)  previously billed
interest, fees and other charges; (b) previously billed Purchases and
Cash Advances;  and  (c)  interest,  fees and  other  charges  on
Purchases and Cash Advances during the current billing cycle; and
(d) Purchases and Cash Advances during the current billing cycle. 

If you take advantage of any promotional or introductory APR
offers,  payments to your account  may  be applied  to the
balances at the promotional or introductory APR offer first and

not  to balances with higher APRs until  the  promotional  or
introductory APR  balances have been paid in full  or have
expired. 

You  can  pay  all  or part of your full  balance  due  at any  time
without  prepayment penalty.  If you  make more than your
required minimum payment, you will still be required to make
your next month's required minimum payment by its due date.
Making  more than  the  required  minimum  payment  will
generally reduce the time it takes to pay off your balance and
the interest you pay.

We may offer “skip payment” promotions from time to time. If
you elect to skip your payment, interest will continue to accrue.
Our  offering you  a  skip payment  will  not  waive  our  right  to
require you to make any other payment on its due date. 

MAKING PAYMENTS
Mail  the  top  half of your monthly  VISA bill  with your check  or
other payment instrument to the address shown on your periodic
statement. You may also make your payment at any of our offices
or through  the  EECU Home Banking  site by making a  transfer
from your deposit account.  It is your responsibility to ensure that
your payment arrives at our payment processing center on time.
We are not responsible for mail lost, damaged or misdelivered by
the postal service.

DO  NOT 
OBLIGATIONS WITH YOUR CREDIT CARD PAYMENT 

INCLUDE  PAYMENTS  FOR  OTHER  EECU

FINANCE CHARGES 
You  will  pay  interest  and  other  charges  on your  VISA
account. Interest and some of the other charges are called
“Finance Charges.” Finance  Charges  are  the  amounts  of
money  that you pay  for  the  money  that you borrow.  In
the  fees in the  “OTHER
addition to interest, some  of
CHARGES” section of your  VISA Account  Agreement  and
Disclosure, shown in bold, are considered Finance Charges.
To make VISA accounts available  to as many members  as
possible,  we offer  a  variety of rates.  The  actual  rate of
interest applicable to your account will depend on a number
of factors we may lawfully consider, including but not limited
to your  credit history.  When you are  approved for  a  VISA
account, we will disclose the ANNUAL PERCENTAGE RATE
and  any  variable  rate  formula  that  will  apply  to  your
Educational Employees Credit Union VISA account in writing
before you can start using your account.

Finance  Charge Calculation  Method:  Average  Daily  Balance:
We start by calculating the average daily balance for the billing
period.  For  each day  of the  billing  period,  we determine  the
daily balance by adding up all Cash Advances, Purchases, and
debit  adjustments  plus any  amount outstanding  as of your
most recent payment,  then subtracting  any  payments and
credits for that day. We then add all of the daily balances for the
billing  period and  divide them by the  number of days in the
billing  period.  We then multiply the  average  daily  balance  by
the monthly periodic rate to determine the finance charge for
that billing  period.  The  minimum  finance  charge in a  billing
cycle is $.50.

Grace  Period:  You  will  have a  grace  period of 25 days on
average  for  repayment  of Purchases.  Cash Advances and
Balance Transfers are subject to finance charges from the day
they post to your account until they are paid in full.  If you do not
pay your entire statement balance in full within the 25-day grace
period, finance charges will accrue on your purchase balance. 

We can change your interest rate and other finance charges
by giving  you advance notice as is required by applicable
law.  Unless  you have  a  variable  rate account, changes  will
generally apply to transactions initiated more than 14 days
after provision of the notice. 

OTHER CHARGES
In addition to Finance  Charges,  the  following  fees may  be
assessed to your Visa Account.  They will  be added  to the
principal balance and will accrue interest until paid:

•
Late Payment:
• Returned Payment:
• Over-the-Credit Limit:
• Balance Transfer:

• Cash Advance:*

•

•

Foreign Transaction:

Account Research:

Statement Copies:

•
• Replacement Cards:

Up to $15.00
$24.00
None
$5.00 or 2% of the transfer
amount, whichever is greater
$5.00 or 2% of the cash advance
amount, whichever is greater
Up to 1% of the transaction
amount in US dollars
$20.00 per hour, one hour
minimum
$3.00 per statement
$5.00 per card, plus additional
charge for rush orders

•

•

•

•

Stop Payment on Recurring
VISA Transaction:
Stop Payment  on
VISA Loan Draft:
VISA Loan Draft:

$15.00

Visa Sales Slip Copy:

$15.00
The standard cash advance fee
applies to each VISA Loan Draft
Paid
$12.00 each

For new accounts, fees and charges are also stated in the Truth
in Lending Credit Card Opening Disclosure incorporated into
this Agreement  by reference  and  provided to you  separately
when your account was opened.

*The following  are  considered Cash Advances:  (a)  obtaining
cash at an ATM using your VISA card; (b) a Cash Advance at a
financial  institution  or other  entity that offer  Visa Cash
Advances; (c) funds from the use of a Visa Loan Draft.

CREDITS
If a merchant who honors your card gives you credit for returns
or adjustments, he will do so by sending us a credit slip which we
will  post to your account.  You  will  be liable for  any  finance
charges that accrue between the end of your grace period and
the  time the  credit posts  to your account.  If your credits  and
payments exceed what you  owe,  the  amount will  be applied
against future Purchases and Cash Advances. If the credit is $1

 4not  smaller  than the  minimum  monthly  payment  required as
disclosed  in the  paragraph  entitled,  "Making  Payments." On a
joint  account,  each party  is equally  responsible  for  all  charges
under  this agreement,  even though another  person has  been
directed to pay the debt by agreement of court order such as a
divorce decree. You agree to notify us immediately of any change
in your name, address, or any change in your financial condition
which may affect your ability to repay.

PERSONS USING YOUR ACCOUNT
You are obligated to repay any charges resulting from the use of
the  card or a  VISA loan draft  by another  person with your
permission whether or not the person stays within the limits set
by you.  If you  notify us that a  previously authorized user is no
longer authorized to use  the  account,  we will  follow our  usual
procedures to preclude their  further  use  of the  account.  If you
cannot get the card back from the user, you must let us know and
we will treat the card as stolen. Otherwise you must return the
card to us. You will be liable for all use of the card up to the time
you notify us that the authorization is terminated.

Any persons who use the card or loan drafts are also obligated
to repay the Credit Union for all charges incurred because of their
use of the card or loan drafts.

OUR RESPONSIBILITY
If you have available credit and are not otherwise in default, we
will honor all Purchases and Balance Transfers up to your credit
limit and Cash Advances up to your Cash Advance limit. We will
provide  you  with a  timely monthly  statement  that contains all
information and disclosure required by law. 

LOST/STOLEN OR UNAUTHORIZED USE OF CARD
Unless you have notified us that the card has been lost or stolen,
all transactions, whether made by you or another person, will be
assumed  to have been made with your consent.  You  agree  to
report the loss, theft, or unauthorized use of your card promptly.
Report your lost/stolen card to (800) 556-5678 or (800) VISA-911.
Or you may call us any business day between 7:00 am and 7:00
pm at (559) 437-7700 or (800) 538-EECU. You may also write to
us at P.O.  Box  5242,  Fresno CA 93755-5242.  Calling  us is the
best way to keep losses down. Per VISA operating rules, you will
generally  have no liability  for  unauthorized use  of your card.
However,  it benefits all  Credit Union  members  if losses due  to
unauthorized use claims are kept to a minimum.

The zero liability rule does not apply to certain point-of-sale and
ATM  transactions as set  forth  in VISA operating  rules.  Your
maximum liability for unauthorized use of a VISA credit card for
these point-of-sale or ATM transactions is $50. Your liability may
increase if you report the loss or theft of your card more than two
business days (48 hours) after the discovery of the loss or theft.
You will have no liability for unauthorized transactions that occur
after you report the loss or theft of your card to us.

You  may  create a  special  "Verified  by Visa"  password to verify
your identity and  provide  added  protection to your online
Purchases.  You  can  create  your  own  password at
www.visa.com/verified.

HOW TO USE YOUR VISA ACCOUNT
Your VISA account can be accessed in the ways detailed below.
Your  monthly  VISA  statement  will  identify  the  merchant,
electronic terminal, or financial institution at which transactions
were made; but sales, Cash Advances, and credit slips cannot
be returned with the statement. You will retain your copy of such
slips furnished at the time of the transaction in order to verify the
monthly statement.
(a) Cash Advances:  You  may  obtain Cash Advances on your
VISA account at any branch of the Credit Union in any amount
from $50 up to 50% of your credit limit. You may obtain Cash
Advances at other financial institutions that honor VISA cards,
subject to those institutions' limitations. Cash Advances are
subject to fees as outlined in the “OTHER CHARGES” section
of this agreement.

(b) Cash Advances at an Automated Teller Machine (ATM): ATMs
located  across the  nation will  disburse Cash Advances on
your card; a VISA emblem will be shown on the face of each
machine.  To receive  a  Cash Advance  from a  participating
VISA ATM, you must insert your card and input your Personal
Identification Number (PIN) which you will receive within 5 to
10 days after  you  receive  your card.  The  maximum  Cash
Advance may vary between ATMs. The use of your credit card
for ATM access is subject to additional ATM disclosure terms.
Cash Advances are subject to fees as outlined in the “OTHER
CHARGES” section of this agreement.

IMPORTANT: FOR YOUR PROTECTION, DO NOT WRITE
YOUR PIN NUMBER ON YOUR CARD OR KEEP IT NEAR
YOUR CARD.

(c) Purchases:  You  may  use  your VISA card for  Purchases
anywhere the card is honored by presenting the card to the
merchant and signing the sales slip or voucher. You can also
make Purchases  by mail,  telephone,  or via  the  internet  by
providing the merchant with your card number and expiration
date.

(d) VISA Loan Drafts:  The  Credit Union  from time to time may
send you  VISA loan drafts.  You  can  use  them to make
Purchases or to obtain loan advances. You may not use the
loan drafts to pay  any  outstanding  balance  you  owe  under
this agreement.  VISA loan drafts are  treated  as a  Cash
Advance for purposes of calculating finance charges, whether
you  use  them to make a  Purchase or to obtain a  Cash
Advance.  Use  of VISA loan drafts are  subject  to fees as
outlined  in  the  “OTHER  CHARGES”  section  of  this
agreement.
VISA Loan Drafts are subject to the following additional rules:
(i) Merchant dispute rights to which credit cards are subject
do not apply to use of VISA loan drafts. (ii) To stop payment
on a VISA loan draft, you must provide your account number,
the draft number and the exact amount of the draft; otherwise
our computer system will not be able to find the draft and stop
payment  on it and  you  will  need to resolve  any  disputes
directly with the payee of the draft. (iii) Destroy any VISA loan
drafts you do not wish to use. (iv) We will not be responsible
for unauthorized loan drafts paid on your account unless you
report them to us within 60 days after  we mail  you  the  first
statement on which they appear. (v) Report any lost or stolen
loan drafts immediately;  otherwise  you  may  be liable if an
unauthorized loan draft is paid on your account. 

(e) Foreign Transactions: Purchases and Cash Advances made in
foreign countries and foreign currencies will be billed to you in
U.S.  dollars.  The  exchange rate between  the  transaction
currency and the billing currency (U.S. dollars) will be (a) a rate
selected by VISA from the  range  of rates  available  in the
wholesale  currency  markets  for  the  applicable  central
processing date, which rate may vary from the rate VISA itself
receives, or (b) the government-mandated rate in effect for the
applicable central processing date, in each instance, plus or
minus  any  adjustment determined by the  Credit Union.  An
international  transaction  fee  of up to 1% of the  transaction
amount will  apply.  If a  Cash Advance  is conducted  an
additional fee of 2% of the transaction amount ($5 minimum)
will also apply. 
Inquiries: Information about your VISA account is available 24
hours a day through VISA PIN POINT service or through the
Home Banking  section  of the  Credit Union  website.  Either
service will provide account information such as your balance,
last payment received and/or your available credit. VISA PIN
POINT  can  be accessed with a  touch-tone telephone  by
calling (800) 892-9603. The Credit Union website address is
www.myEECU.org.

(f)

(g) Prohibited Transactions:  You  agree  that you  will  not  use  or
allow  your VISA account  to be used for  illegal  transactions
such  as  illegal  gambling.  If  we  reasonably  believe  a
transaction is unlawful we have the right but not the duty to
decline  it.  Display  of a  VISA logo by a  merchant does not
necessarily mean that the transaction is lawful. Responsibility
for  determining  the  legality of your VISA transactions rests
with you,  not  with us.  The  actual  or alleged  illegality of an
authorized transaction will not be defense to your obligation
to pay.

(h) We will not be liable for the failure or refusal of any merchant

to accept your VISA Card or VISA loan drafts.

YOUR CREDIT LIMIT
If your VISA application  is approved,  the  Credit Union  will
establish a self-replenishing line of credit for you, and notify you
of the amount in writing. This means that you can borrow the full
amount of the credit limit, repay the principal in full or part, and
borrow again up to your maximum amount of credit, as long as
you  remain a  member of the  Credit Union  and  continue to be
creditworthy.  Your credit
limit  and  the  unused portion  still
available  to you  will  show on your monthly  statement.  Your
available  amount is reduced  by the  principal  balance  owing,
accrued finance charges, fees and late charges, if any. You agree
not to let the account balance exceed your approved credit limit.

If you wish to increase your credit limit, you must apply to the
Credit Union  by written, phone, or online application, which
must be approved. Unless prohibited by law, we may increase
your credit limit at any time at our option and will notify you in
writing  if  we  do  this.  Your  credit  limit  will  be  reviewed
periodically and  you may  be requested  to provide  current
information. We will  notify you in writing  if we increase,
decrease, or terminate with good cause your credit limit and/or
account. Good cause  includes,  but  is not  limited  to,  your
failure  to comply with this agreement  or our  adverse  re-
evaluation of your creditworthiness.

BALANCE TRANSFERS
You  may  ask  the  Credit  Union  to  transfer  the  balance  of  your
other credit cards to your EECU VISA account by sending us a
written  request  to  do  so  or  by  using  a  VISA  loan  draft.  Your
written  request  must  state  the  name  of  the  company,  the
address,  the  account  number  and  the  amount  of  the  payoff  or
must include a payment stub. Balance Transfers are subject to
fees  as  outlined  in  section  “OTHER  CHARGES”  in  this
agreement.  If you elect to transfer balances to your EECU VISA
account, the following will apply:
(a) Transfer Amount: We will transfer as much as possible without

exceeding your credit line.

(b) Minimum Payments: Allow four (4) weeks for balances to be
transferred.  You  should  continue  paying  the  minimum
monthly  amount  due  on  your  other  accounts  until  the
balances  have  been  transferred.  We  are  not  responsible  for
any  late  payments,  finance  charges,  disputed  amounts  or
errors on your other accounts.

(c) Billing Disputes: If you currently have any amounts in a billing
dispute, we recommend that they not be transferred because
you may lose your billing dispute rights.  

(d) Finance  Charge:  Balance  Transfers  are  treated  as  Cash
Advances  and  are  assessed  finance  charges  from  the
transaction date.  Finance charges continue until payment in
full is received for the balance.

(e) Closing  Accounts:  Transferring  balances  may  not
automatically close your other accounts. To do so, you should
contact each company directly.

MONTHLY PAYMENTS
You agree to pay all amounts borrowed plus interest, fees and
other charges called for by this agreement in U.S. dollars using
lawful  instruments  drawn  on  U.S.  financial  institutions.    You
agree  to  make  at  least  your  required  minimum  monthly
payment on or before the due date on your periodic statement.

MINIMUM PAYMENT SCHEDULE

BALANCE
Under $20
$20 to $1,000
Over $1,000

MINIMUM PAYMENT
Entire Balance
$20
2% of the principal balance

Your minimum payment must also include any past-due or over-
limit amounts. If your balance exceeds $1,000, increased balances
will result in increased minimum payments. 

The minimum payment amount may be applied to the lowest rate
balance. To the extent your payment exceeds the required minimum;
the excess will be applied first to higher rate balances and then to
lower  rate  balances.  Subject  to  the  requirement  that  payments  in
excess  of  the  minimum  be  applied  to  higher-rate  balances  first,
payments  are  applied  in  the  following  order:  (a)  previously  billed
interest, fees and other charges; (b) previously billed Purchases and
Cash  Advances;  and  (c)  interest,  fees  and  other  charges  on
Purchases and Cash Advances during the current billing cycle; and
(d) Purchases and Cash Advances during the current billing cycle. 

If you take advantage of any promotional or introductory APR
offers,  payments  to  your  account  may  be  applied  to  the
balances at the promotional or introductory APR offer first and

not  to balances with higher APRs until  the  promotional  or
introductory APR  balances have been paid in full  or have
expired. 

You  can  pay  all  or part of your full  balance  due  at any  time
without  prepayment penalty.  If you  make more than your
required minimum payment, you will still be required to make
your next month's required minimum payment by its due date.
Making  more than  the  required  minimum  payment  will
generally reduce the time it takes to pay off your balance and
the interest you pay.

We may offer “skip payment” promotions from time to time. If
you elect to skip your payment, interest will continue to accrue.
Our  offering you  a  skip payment  will  not  waive  our  right  to
require you to make any other payment on its due date. 

MAKING PAYMENTS
Mail  the  top  half of your monthly  VISA bill  with your check  or
other payment instrument to the address shown on your periodic
statement. You may also make your payment at any of our offices
or through  the  EECU Home Banking  site by making a  transfer
from your deposit account.  It is your responsibility to ensure that
your payment arrives at our payment processing center on time.
We are not responsible for mail lost, damaged or misdelivered by
the postal service.

DO  NOT 
OBLIGATIONS WITH YOUR CREDIT CARD PAYMENT 

INCLUDE  PAYMENTS  FOR  OTHER  EECU

FINANCE CHARGES 
You  will  pay  interest  and  other  charges  on your  VISA
account. Interest and some of the other charges are called
“Finance Charges.” Finance  Charges  are  the  amounts  of
money  that you pay  for  the  money  that you borrow.  In
the  fees in the  “OTHER
addition to interest, some  of
CHARGES” section of your  VISA Account  Agreement  and
Disclosure, shown in bold, are considered Finance Charges.
To make VISA accounts available  to as many members  as
possible,  we offer  a  variety of rates.  The  actual  rate of
interest applicable to your account will depend on a number
of factors we may lawfully consider, including but not limited
to your  credit history.  When you are  approved for  a  VISA
account, we will disclose the ANNUAL PERCENTAGE RATE
and  any  variable  rate  formula  that  will  apply  to  your
Educational Employees Credit Union VISA account in writing
before you can start using your account.

Finance  Charge Calculation  Method:  Average  Daily  Balance:
We start by calculating the average daily balance for the billing
period.  For  each day  of the  billing  period,  we determine  the
daily balance by adding up all Cash Advances, Purchases, and
debit  adjustments  plus any  amount outstanding  as of your
most recent payment,  then subtracting  any  payments and
credits for that day. We then add all of the daily balances for the
billing  period and  divide them by the  number of days in the
billing  period.  We then multiply the  average  daily  balance  by
the monthly periodic rate to determine the finance charge for
that billing  period.  The  minimum  finance  charge in a  billing
cycle is $.50.

Grace  Period:  You  will  have a  grace  period of 25 days on
average  for  repayment  of Purchases.  Cash Advances and
Balance Transfers are subject to finance charges from the day
they post to your account until they are paid in full.  If you do not
pay your entire statement balance in full within the 25-day grace
period, finance charges will accrue on your purchase balance. 

We can change your interest rate and other finance charges
by giving  you advance notice as is required by applicable
law.  Unless  you have  a  variable  rate account, changes  will
generally apply to transactions initiated more than 14 days
after provision of the notice. 

OTHER CHARGES
In addition to Finance  Charges,  the  following  fees may  be
assessed to your Visa Account.  They will  be added  to the
principal balance and will accrue interest until paid:

•
Late Payment:
• Returned Payment:
• Over-the-Credit Limit:
• Balance Transfer:

• Cash Advance:*

•

•

Foreign Transaction:

Account Research:

Statement Copies:

•
• Replacement Cards:

Up to $15.00
$24.00
None
$5.00 or 2% of the transfer
amount, whichever is greater
$5.00 or 2% of the cash advance
amount, whichever is greater
Up to 1% of the transaction
amount in US dollars
$20.00 per hour, one hour
minimum
$3.00 per statement
$5.00 per card, plus additional
charge for rush orders

•

•

•

•

Stop Payment on Recurring
VISA Transaction:
Stop Payment  on
VISA Loan Draft:
VISA Loan Draft:

$15.00

Visa Sales Slip Copy:

$15.00
The standard cash advance fee
applies to each VISA Loan Draft
Paid
$12.00 each

For new accounts, fees and charges are also stated in the Truth
in Lending Credit Card Opening Disclosure incorporated into
this Agreement  by reference  and  provided to you  separately
when your account was opened.

*The following  are  considered Cash Advances:  (a)  obtaining
cash at an ATM using your VISA card; (b) a Cash Advance at a
financial  institution  or other  entity that offer  Visa Cash
Advances; (c) funds from the use of a Visa Loan Draft.

CREDITS
If a merchant who honors your card gives you credit for returns
or adjustments, he will do so by sending us a credit slip which we
will  post to your account.  You  will  be liable for  any  finance
charges that accrue between the end of your grace period and
the  time the  credit posts  to your account.  If your credits  and
payments exceed what you  owe,  the  amount will  be applied
against future Purchases and Cash Advances. If the credit is $1

 5not  smaller  than the  minimum  monthly  payment  required as
disclosed  in the  paragraph  entitled,  "Making  Payments." On a
joint  account,  each party  is equally  responsible  for  all  charges
under  this agreement,  even though another  person has  been
directed to pay the debt by agreement of court order such as a
divorce decree. You agree to notify us immediately of any change
in your name, address, or any change in your financial condition
which may affect your ability to repay.

PERSONS USING YOUR ACCOUNT
You are obligated to repay any charges resulting from the use of
the  card or a  VISA loan draft  by another  person with your
permission whether or not the person stays within the limits set
by you.  If you  notify us that a  previously authorized user is no
longer authorized to use  the  account,  we will  follow our  usual
procedures to preclude their  further  use  of the  account.  If you
cannot get the card back from the user, you must let us know and
we will treat the card as stolen. Otherwise you must return the
card to us. You will be liable for all use of the card up to the time
you notify us that the authorization is terminated.

Any persons who use the card or loan drafts are also obligated
to repay the Credit Union for all charges incurred because of their
use of the card or loan drafts.

OUR RESPONSIBILITY
If you have available credit and are not otherwise in default, we
will honor all Purchases and Balance Transfers up to your credit
limit and Cash Advances up to your Cash Advance limit. We will
provide  you  with a  timely monthly  statement  that contains all
information and disclosure required by law. 

LOST/STOLEN OR UNAUTHORIZED USE OF CARD
Unless you have notified us that the card has been lost or stolen,
all transactions, whether made by you or another person, will be
assumed  to have been made with your consent.  You  agree  to
report the loss, theft, or unauthorized use of your card promptly.
Report your lost/stolen card to (800) 556-5678 or (800) VISA-911.
Or you may call us any business day between 7:00 am and 7:00
pm at (559) 437-7700 or (800) 538-EECU. You may also write to
us at P.O.  Box  5242,  Fresno CA 93755-5242.  Calling  us is the
best way to keep losses down. Per VISA operating rules, you will
generally  have no liability  for  unauthorized use  of your card.
However,  it benefits all  Credit Union  members  if losses due  to
unauthorized use claims are kept to a minimum.

The zero liability rule does not apply to certain point-of-sale and
ATM  transactions as set  forth  in VISA operating  rules.  Your
maximum liability for unauthorized use of a VISA credit card for
these point-of-sale or ATM transactions is $50. Your liability may
increase if you report the loss or theft of your card more than two
business days (48 hours) after the discovery of the loss or theft.
You will have no liability for unauthorized transactions that occur
after you report the loss or theft of your card to us.

You  may  create a  special  "Verified  by Visa"  password to verify
your identity and  provide  added  protection to your online
Purchases.  You  can  create  your  own  password at
www.visa.com/verified.

HOW TO USE YOUR VISA ACCOUNT
Your VISA account can be accessed in the ways detailed below.
Your  monthly  VISA  statement  will  identify  the  merchant,
electronic terminal, or financial institution at which transactions
were made; but sales, Cash Advances, and credit slips cannot
be returned with the statement. You will retain your copy of such
slips furnished at the time of the transaction in order to verify the
monthly statement.
(a) Cash Advances:  You  may  obtain Cash Advances on your
VISA account at any branch of the Credit Union in any amount
from $50 up to 50% of your credit limit. You may obtain Cash
Advances at other financial institutions that honor VISA cards,
subject to those institutions' limitations. Cash Advances are
subject to fees as outlined in the “OTHER CHARGES” section
of this agreement.

(b) Cash Advances at an Automated Teller Machine (ATM): ATMs
located  across the  nation will  disburse Cash Advances on
your card; a VISA emblem will be shown on the face of each
machine.  To receive  a  Cash Advance  from a  participating
VISA ATM, you must insert your card and input your Personal
Identification Number (PIN) which you will receive within 5 to
10 days after  you  receive  your card.  The  maximum  Cash
Advance may vary between ATMs. The use of your credit card
for ATM access is subject to additional ATM disclosure terms.
Cash Advances are subject to fees as outlined in the “OTHER
CHARGES” section of this agreement.

IMPORTANT: FOR YOUR PROTECTION, DO NOT WRITE
YOUR PIN NUMBER ON YOUR CARD OR KEEP IT NEAR
YOUR CARD.

(c) Purchases:  You  may  use  your VISA card for  Purchases
anywhere the card is honored by presenting the card to the
merchant and signing the sales slip or voucher. You can also
make Purchases  by mail,  telephone,  or via  the  internet  by
providing the merchant with your card number and expiration
date.

(d) VISA Loan Drafts:  The  Credit Union  from time to time may
send you  VISA loan drafts.  You  can  use  them to make
Purchases or to obtain loan advances. You may not use the
loan drafts to pay  any  outstanding  balance  you  owe  under
this agreement.  VISA loan drafts are  treated  as a  Cash
Advance for purposes of calculating finance charges, whether
you  use  them to make a  Purchase or to obtain a  Cash
Advance.  Use  of VISA loan drafts are  subject  to fees as
outlined  in  the  “OTHER  CHARGES”  section  of  this
agreement.
VISA Loan Drafts are subject to the following additional rules:
(i) Merchant dispute rights to which credit cards are subject
do not apply to use of VISA loan drafts. (ii) To stop payment
on a VISA loan draft, you must provide your account number,
the draft number and the exact amount of the draft; otherwise
our computer system will not be able to find the draft and stop
payment  on it and  you  will  need to resolve  any  disputes
directly with the payee of the draft. (iii) Destroy any VISA loan
drafts you do not wish to use. (iv) We will not be responsible
for unauthorized loan drafts paid on your account unless you
report them to us within 60 days after  we mail  you  the  first
statement on which they appear. (v) Report any lost or stolen
loan drafts immediately;  otherwise  you  may  be liable if an
unauthorized loan draft is paid on your account. 

(e) Foreign Transactions: Purchases and Cash Advances made in
foreign countries and foreign currencies will be billed to you in
U.S.  dollars.  The  exchange rate between  the  transaction
currency and the billing currency (U.S. dollars) will be (a) a rate
selected by VISA from the  range  of rates  available  in the
wholesale  currency  markets  for  the  applicable  central
processing date, which rate may vary from the rate VISA itself
receives, or (b) the government-mandated rate in effect for the
applicable central processing date, in each instance, plus or
minus  any  adjustment determined by the  Credit Union.  An
international  transaction  fee  of up to 1% of the  transaction
amount will  apply.  If a  Cash Advance  is conducted  an
additional fee of 2% of the transaction amount ($5 minimum)
will also apply. 
Inquiries: Information about your VISA account is available 24
hours a day through VISA PIN POINT service or through the
Home Banking  section  of the  Credit Union  website.  Either
service will provide account information such as your balance,
last payment received and/or your available credit. VISA PIN
POINT  can  be accessed with a  touch-tone telephone  by
calling (800) 892-9603. The Credit Union website address is
www.myEECU.org.

(f)

(g) Prohibited Transactions:  You  agree  that you  will  not  use  or
allow  your VISA account  to be used for  illegal  transactions
such  as  illegal  gambling.  If  we  reasonably  believe  a
transaction is unlawful we have the right but not the duty to
decline  it.  Display  of a  VISA logo by a  merchant does not
necessarily mean that the transaction is lawful. Responsibility
for  determining  the  legality of your VISA transactions rests
with you,  not  with us.  The  actual  or alleged  illegality of an
authorized transaction will not be defense to your obligation
to pay.

(h) We will not be liable for the failure or refusal of any merchant

to accept your VISA Card or VISA loan drafts.

YOUR CREDIT LIMIT
If your VISA application  is approved,  the  Credit Union  will
establish a self-replenishing line of credit for you, and notify you
of the amount in writing. This means that you can borrow the full
amount of the credit limit, repay the principal in full or part, and
borrow again up to your maximum amount of credit, as long as
you  remain a  member of the  Credit Union  and  continue to be
creditworthy.  Your credit
limit  and  the  unused portion  still
available  to you  will  show on your monthly  statement.  Your
available  amount is reduced  by the  principal  balance  owing,
accrued finance charges, fees and late charges, if any. You agree
not to let the account balance exceed your approved credit limit.

If you wish to increase your credit limit, you must apply to the
Credit Union  by written, phone, or online application, which
must be approved. Unless prohibited by law, we may increase
your credit limit at any time at our option and will notify you in
writing  if  we  do  this.  Your  credit  limit  will  be  reviewed
periodically and  you may  be requested  to provide  current
information. We will  notify you in writing  if we increase,
decrease, or terminate with good cause your credit limit and/or
account. Good cause  includes,  but  is not  limited  to,  your
failure  to comply with this agreement  or our  adverse  re-
evaluation of your creditworthiness.

BALANCE TRANSFERS
You  may  ask  the  Credit Union  to transfer the  balance  of your
other credit cards to your EECU VISA account by sending us a
written  request  to do so or by using  a  VISA loan draft.  Your
written  request  must state  the  name of the  company,  the
address,  the  account  number and  the  amount of the  payoff  or
must include a payment stub. Balance Transfers are subject to
fees  as  outlined  in  section  “OTHER  CHARGES”  in  this
agreement.  If you elect to transfer balances to your EECU VISA
account, the following will apply:
(a) Transfer Amount: We will transfer as much as possible without

exceeding your credit line.

(b) Minimum Payments: Allow four (4) weeks for balances to be
transferred.  You  should  continue  paying  the  minimum
monthly  amount due  on your other  accounts until  the
balances have been transferred.  We are  not  responsible  for
any  late payments,  finance  charges,  disputed amounts  or
errors on your other accounts.

(c) Billing Disputes: If you currently have any amounts in a billing
dispute, we recommend that they not be transferred because
you may lose your billing dispute rights. 

(d) Finance  Charge:  Balance  Transfers  are  treated  as Cash
Advances and  are  assessed finance  charges  from the
transaction date.  Finance charges continue until payment in
full is received for the balance.

(e) Closing  Accounts:  Transferring  balances  may  not
automatically close your other accounts. To do so, you should
contact each company directly.

MONTHLY PAYMENTS
You agree to pay all amounts borrowed plus interest, fees and
other charges called for by this agreement in U.S. dollars using
lawful  instruments  drawn  on U.S.  financial  institutions.  You
agree  to make at
least  your required minimum  monthly
payment on or before the due date on your periodic statement.

MINIMUM PAYMENT SCHEDULE

BALANCE
Under $20
$20 to $1,000
Over $1,000

MINIMUM PAYMENT
Entire Balance
$20
2% of the principal balance

Your minimum payment must also include any past-due or over-
limit amounts. If your balance exceeds $1,000, increased balances
will result in increased minimum payments. 

The minimum payment amount may be applied to the lowest rate
balance. To the extent your payment exceeds the required minimum;
the excess will be applied first to higher rate balances and then to
lower  rate balances.  Subject  to the  requirement  that  payments in
excess of  the  minimum  be applied  to higher-rate  balances first,
payments are  applied  in the  following  order:  (a)  previously billed
interest, fees and other charges; (b) previously billed Purchases and
Cash Advances;  and  (c)  interest,  fees and  other  charges  on
Purchases and Cash Advances during the current billing cycle; and
(d) Purchases and Cash Advances during the current billing cycle. 

If you take advantage of any promotional or introductory APR
offers,  payments to your account  may  be applied  to the
balances at the promotional or introductory APR offer first and

not  to  balances  with  higher  APRs  until  the  promotional  or
introductory  APR  balances  have  been  paid  in  full  or  have
expired.  

You  can  pay  all  or  part  of  your  full  balance  due  at  any  time
without  prepayment  penalty.  If  you  make  more  than  your
required minimum payment, you will still be required to make
your next month's required minimum payment by its due date.
Making  more  than  the  required  minimum  payment  will
generally reduce the time it takes to pay off your balance and
the interest you pay.

We may offer “skip payment” promotions from time to time. If
you elect to skip your payment, interest will continue to accrue.
Our  offering  you  a  skip  payment  will  not  waive  our  right  to
require you to make any other payment on its due date.  

MAKING PAYMENTS
Mail  the  top  half  of  your  monthly  VISA  bill  with  your  check  or
other payment instrument to the address shown on your periodic
statement. You may also make your payment at any of our offices
or  through  the  EECU  Home  Banking  site  by  making  a  transfer
from your deposit account.   It is your responsibility to ensure that
your payment arrives at our payment processing center on time.
We are not responsible for mail lost, damaged or misdelivered by
the postal service.

DO  NOT 
OBLIGATIONS WITH YOUR CREDIT CARD PAYMENT 

INCLUDE  PAYMENTS  FOR  OTHER  EECU

FINANCE CHARGES 
You  will  pay  interest  and  other  charges  on  your  VISA
account. Interest and some of the other charges are called
“Finance  Charges.”  Finance  Charges  are  the  amounts  of
money  that  you  pay  for  the  money  that  you  borrow.  In
addition  to  interest,  some  of  the  fees  in  the  “OTHER
CHARGES”  section  of  your  VISA  Account  Agreement  and
Disclosure, shown in bold, are considered Finance Charges.
To  make  VISA  accounts  available  to  as  many  members  as
possible,  we  offer  a  variety  of  rates.  The  actual  rate  of
interest applicable to your account will depend on a number
of factors we may lawfully consider, including but not limited
to  your  credit  history.  When  you  are  approved  for  a  VISA
account, we will disclose the ANNUAL PERCENTAGE RATE
and  any  variable  rate  formula  that  will  apply  to  your
Educational Employees Credit Union VISA account in writing
before you can start using your account.

Finance  Charge  Calculation  Method:  Average  Daily  Balance:
We start by calculating the average daily balance for the billing
period.  For  each  day  of  the  billing  period,  we  determine  the
daily balance by adding up all Cash Advances, Purchases, and
debit  adjustments  plus  any  amount  outstanding  as  of  your
most  recent  payment,  then  subtracting  any  payments  and
credits for that day. We then add all of the daily balances for the
billing  period  and  divide  them  by  the  number  of  days  in  the
billing  period.  We  then  multiply  the  average  daily  balance  by
the monthly periodic rate to determine the finance charge for
that  billing  period.  The  minimum  finance  charge  in  a  billing
cycle is $.50.

Grace  Period:  You  will  have a  grace  period of 25 days on
average  for  repayment  of Purchases.  Cash Advances and
Balance Transfers are subject to finance charges from the day
they post to your account until they are paid in full.  If you do not
pay your entire statement balance in full within the 25-day grace
period, finance charges will accrue on your purchase balance. 

We can change your interest rate and other finance charges
by giving  you advance notice as is required by applicable
law.  Unless  you have  a  variable  rate account, changes  will
generally apply to transactions initiated more than 14 days
after provision of the notice. 

OTHER CHARGES
In addition to Finance  Charges,  the  following  fees may  be
assessed to your Visa Account.  They will  be added  to the
principal balance and will accrue interest until paid:

•
Late Payment:
• Returned Payment:
• Over-the-Credit Limit:
• Balance Transfer:

• Cash Advance:*

•

•

Foreign Transaction:

Account Research:

Statement Copies:

•
• Replacement Cards:

Up to $15.00
$24.00
None
$5.00 or 2% of the transfer
amount, whichever is greater
$5.00 or 2% of the cash advance
amount, whichever is greater
Up to 1% of the transaction
amount in US dollars
$20.00 per hour, one hour
minimum
$3.00 per statement
$5.00 per card, plus additional
charge for rush orders

•

•

•

•

Stop Payment on Recurring
VISA Transaction:
Stop Payment  on
VISA Loan Draft:
VISA Loan Draft:

$15.00

Visa Sales Slip Copy:

$15.00
The standard cash advance fee
applies to each VISA Loan Draft
Paid
$12.00 each

For new accounts, fees and charges are also stated in the Truth
in Lending Credit Card Opening Disclosure incorporated into
this Agreement  by reference  and  provided to you  separately
when your account was opened.

*The following  are  considered Cash Advances:  (a)  obtaining
cash at an ATM using your VISA card; (b) a Cash Advance at a
financial  institution  or other  entity that offer  Visa Cash
Advances; (c) funds from the use of a Visa Loan Draft.

CREDITS
If a merchant who honors your card gives you credit for returns
or adjustments, he will do so by sending us a credit slip which we
will  post to your account.  You  will  be liable for  any  finance
charges that accrue between the end of your grace period and
the  time the  credit posts  to your account.  If your credits  and
payments exceed what you  owe,  the  amount will  be applied
against future Purchases and Cash Advances. If the credit is $1

 6not  smaller  than the  minimum  monthly  payment  required as
disclosed  in the  paragraph  entitled,  "Making  Payments." On a
joint  account,  each party  is equally  responsible  for  all  charges
under  this agreement,  even though another  person has  been
directed to pay the debt by agreement of court order such as a
divorce decree. You agree to notify us immediately of any change
in your name, address, or any change in your financial condition
which may affect your ability to repay.

PERSONS USING YOUR ACCOUNT
You are obligated to repay any charges resulting from the use of
the  card or a  VISA loan draft  by another  person with your
permission whether or not the person stays within the limits set
by you.  If you  notify us that a  previously authorized user is no
longer authorized to use  the  account,  we will  follow our  usual
procedures to preclude their  further  use  of the  account.  If you
cannot get the card back from the user, you must let us know and
we will treat the card as stolen. Otherwise you must return the
card to us. You will be liable for all use of the card up to the time
you notify us that the authorization is terminated.

Any persons who use the card or loan drafts are also obligated
to repay the Credit Union for all charges incurred because of their
use of the card or loan drafts.

OUR RESPONSIBILITY
If you have available credit and are not otherwise in default, we
will honor all Purchases and Balance Transfers up to your credit
limit and Cash Advances up to your Cash Advance limit. We will
provide  you  with a  timely monthly  statement  that contains all
information and disclosure required by law. 

LOST/STOLEN OR UNAUTHORIZED USE OF CARD
Unless you have notified us that the card has been lost or stolen,
all transactions, whether made by you or another person, will be
assumed  to have been made with your consent.  You  agree  to
report the loss, theft, or unauthorized use of your card promptly.
Report your lost/stolen card to (800) 556-5678 or (800) VISA-911.
Or you may call us any business day between 7:00 am and 7:00
pm at (559) 437-7700 or (800) 538-EECU. You may also write to
us at P.O.  Box  5242,  Fresno CA 93755-5242.  Calling  us is the
best way to keep losses down. Per VISA operating rules, you will
generally  have no liability  for  unauthorized use  of your card.
However,  it benefits all  Credit Union  members  if losses due  to
unauthorized use claims are kept to a minimum.

The zero liability rule does not apply to certain point-of-sale and
ATM  transactions as set  forth  in VISA operating  rules.  Your
maximum liability for unauthorized use of a VISA credit card for
these point-of-sale or ATM transactions is $50. Your liability may
increase if you report the loss or theft of your card more than two
business days (48 hours) after the discovery of the loss or theft.
You will have no liability for unauthorized transactions that occur
after you report the loss or theft of your card to us.

You  may  create a  special  "Verified  by Visa"  password to verify
your identity and  provide  added  protection to your online
Purchases.  You  can  create  your  own  password at
www.visa.com/verified.

HOW TO USE YOUR VISA ACCOUNT
Your VISA account can be accessed in the ways detailed below.
Your  monthly  VISA  statement  will  identify  the  merchant,
electronic terminal, or financial institution at which transactions
were made; but sales, Cash Advances, and credit slips cannot
be returned with the statement. You will retain your copy of such
slips furnished at the time of the transaction in order to verify the
monthly statement.
(a) Cash Advances:  You  may  obtain Cash Advances on your
VISA account at any branch of the Credit Union in any amount
from $50 up to 50% of your credit limit. You may obtain Cash
Advances at other financial institutions that honor VISA cards,
subject to those institutions' limitations. Cash Advances are
subject to fees as outlined in the “OTHER CHARGES” section
of this agreement.

(b) Cash Advances at an Automated Teller Machine (ATM): ATMs
located  across the  nation will  disburse Cash Advances on
your card; a VISA emblem will be shown on the face of each
machine.  To receive  a  Cash Advance  from a  participating
VISA ATM, you must insert your card and input your Personal
Identification Number (PIN) which you will receive within 5 to
10 days after  you  receive  your card.  The  maximum  Cash
Advance may vary between ATMs. The use of your credit card
for ATM access is subject to additional ATM disclosure terms.
Cash Advances are subject to fees as outlined in the “OTHER
CHARGES” section of this agreement.

IMPORTANT: FOR YOUR PROTECTION, DO NOT WRITE
YOUR PIN NUMBER ON YOUR CARD OR KEEP IT NEAR
YOUR CARD.

(c) Purchases:  You  may  use  your VISA card for  Purchases
anywhere the card is honored by presenting the card to the
merchant and signing the sales slip or voucher. You can also
make Purchases  by mail,  telephone,  or via  the  internet  by
providing the merchant with your card number and expiration
date.

(d) VISA Loan Drafts:  The  Credit Union  from time to time may
send you  VISA loan drafts.  You  can  use  them to make
Purchases or to obtain loan advances. You may not use the
loan drafts to pay  any  outstanding  balance  you  owe  under
this agreement.  VISA loan drafts are  treated  as a  Cash
Advance for purposes of calculating finance charges, whether
you  use  them to make a  Purchase or to obtain a  Cash
Advance.  Use  of VISA loan drafts are  subject  to fees as
outlined  in  the  “OTHER  CHARGES”  section  of  this
agreement.
VISA Loan Drafts are subject to the following additional rules:
(i) Merchant dispute rights to which credit cards are subject
do not apply to use of VISA loan drafts. (ii) To stop payment
on a VISA loan draft, you must provide your account number,
the draft number and the exact amount of the draft; otherwise
our computer system will not be able to find the draft and stop
payment  on it and  you  will  need to resolve  any  disputes
directly with the payee of the draft. (iii) Destroy any VISA loan
drafts you do not wish to use. (iv) We will not be responsible
for unauthorized loan drafts paid on your account unless you
report them to us within 60 days after  we mail  you  the  first
statement on which they appear. (v) Report any lost or stolen
loan drafts immediately;  otherwise  you  may  be liable if an
unauthorized loan draft is paid on your account. 

(e) Foreign Transactions: Purchases and Cash Advances made in
foreign countries and foreign currencies will be billed to you in
U.S.  dollars.  The  exchange rate between  the  transaction
currency and the billing currency (U.S. dollars) will be (a) a rate
selected by VISA from the  range  of rates  available  in the
wholesale  currency  markets  for  the  applicable  central
processing date, which rate may vary from the rate VISA itself
receives, or (b) the government-mandated rate in effect for the
applicable central processing date, in each instance, plus or
minus  any  adjustment determined by the  Credit Union.  An
international  transaction  fee  of up to 1% of the  transaction
amount will  apply.  If a  Cash Advance  is conducted  an
additional fee of 2% of the transaction amount ($5 minimum)
will also apply. 
Inquiries: Information about your VISA account is available 24
hours a day through VISA PIN POINT service or through the
Home Banking  section  of the  Credit Union  website.  Either
service will provide account information such as your balance,
last payment received and/or your available credit. VISA PIN
POINT  can  be accessed with a  touch-tone telephone  by
calling (800) 892-9603. The Credit Union website address is
www.myEECU.org.

(f)

(g) Prohibited Transactions:  You  agree  that you  will  not  use  or
allow  your VISA account  to be used for  illegal  transactions
such  as  illegal  gambling.  If  we  reasonably  believe  a
transaction is unlawful we have the right but not the duty to
decline  it.  Display  of a  VISA logo by a  merchant does not
necessarily mean that the transaction is lawful. Responsibility
for  determining  the  legality of your VISA transactions rests
with you,  not  with us.  The  actual  or alleged  illegality of an
authorized transaction will not be defense to your obligation
to pay.

(h) We will not be liable for the failure or refusal of any merchant

to accept your VISA Card or VISA loan drafts.

YOUR CREDIT LIMIT
If your VISA application  is approved,  the  Credit Union  will
establish a self-replenishing line of credit for you, and notify you
of the amount in writing. This means that you can borrow the full
amount of the credit limit, repay the principal in full or part, and
borrow again up to your maximum amount of credit, as long as
you  remain a  member of the  Credit Union  and  continue to be
creditworthy.  Your credit
limit  and  the  unused portion  still
available  to you  will  show on your monthly  statement.  Your
available  amount is reduced  by the  principal  balance  owing,
accrued finance charges, fees and late charges, if any. You agree
not to let the account balance exceed your approved credit limit.

If you wish to increase your credit limit, you must apply to the
Credit Union  by written, phone, or online application, which
must be approved. Unless prohibited by law, we may increase
your credit limit at any time at our option and will notify you in
writing  if  we  do  this.  Your  credit  limit  will  be  reviewed
periodically and  you may  be requested  to provide  current
information. We will  notify you in writing  if we increase,
decrease, or terminate with good cause your credit limit and/or
account. Good cause  includes,  but  is not  limited  to,  your
failure  to comply with this agreement  or our  adverse  re-
evaluation of your creditworthiness.

BALANCE TRANSFERS
You  may  ask  the  Credit Union  to transfer the  balance  of your
other credit cards to your EECU VISA account by sending us a
written  request  to do so or by using  a  VISA loan draft.  Your
written  request  must state  the  name of the  company,  the
address,  the  account  number and  the  amount of the  payoff  or
must include a payment stub. Balance Transfers are subject to
fees  as  outlined  in  section  “OTHER  CHARGES”  in  this
agreement.  If you elect to transfer balances to your EECU VISA
account, the following will apply:
(a) Transfer Amount: We will transfer as much as possible without

exceeding your credit line.

(b) Minimum Payments: Allow four (4) weeks for balances to be
transferred.  You  should  continue  paying  the  minimum
monthly  amount due  on your other  accounts until  the
balances have been transferred.  We are  not  responsible  for
any  late payments,  finance  charges,  disputed amounts  or
errors on your other accounts.

(c) Billing Disputes: If you currently have any amounts in a billing
dispute, we recommend that they not be transferred because
you may lose your billing dispute rights. 

(d) Finance  Charge:  Balance  Transfers  are  treated  as Cash
Advances and  are  assessed finance  charges  from the
transaction date.  Finance charges continue until payment in
full is received for the balance.

(e) Closing  Accounts:  Transferring  balances  may  not
automatically close your other accounts. To do so, you should
contact each company directly.

MONTHLY PAYMENTS
You agree to pay all amounts borrowed plus interest, fees and
other charges called for by this agreement in U.S. dollars using
lawful  instruments  drawn  on U.S.  financial  institutions.  You
agree  to make at
least  your required minimum  monthly
payment on or before the due date on your periodic statement.

MINIMUM PAYMENT SCHEDULE

BALANCE
Under $20
$20 to $1,000
Over $1,000

MINIMUM PAYMENT
Entire Balance
$20
2% of the principal balance

Your minimum payment must also include any past-due or over-
limit amounts. If your balance exceeds $1,000, increased balances
will result in increased minimum payments. 

The minimum payment amount may be applied to the lowest rate
balance. To the extent your payment exceeds the required minimum;
the excess will be applied first to higher rate balances and then to
lower  rate balances.  Subject  to the  requirement  that  payments in
excess of  the  minimum  be applied  to higher-rate  balances first,
payments are  applied  in the  following  order:  (a)  previously billed
interest, fees and other charges; (b) previously billed Purchases and
Cash Advances;  and  (c)  interest,  fees and  other  charges  on
Purchases and Cash Advances during the current billing cycle; and
(d) Purchases and Cash Advances during the current billing cycle. 

If you take advantage of any promotional or introductory APR
offers,  payments to your account  may  be applied  to the
balances at the promotional or introductory APR offer first and

not  to balances with higher APRs until  the  promotional  or
introductory APR  balances have been paid in full  or have
expired. 

You  can  pay  all  or part of your full  balance  due  at any  time
without  prepayment penalty.  If you  make more than your
required minimum payment, you will still be required to make
your next month's required minimum payment by its due date.
Making  more than  the  required  minimum  payment  will
generally reduce the time it takes to pay off your balance and
the interest you pay.

We may offer “skip payment” promotions from time to time. If
you elect to skip your payment, interest will continue to accrue.
Our  offering you  a  skip payment  will  not  waive  our  right  to
require you to make any other payment on its due date. 

MAKING PAYMENTS
Mail  the  top  half of your monthly  VISA bill  with your check  or
other payment instrument to the address shown on your periodic
statement. You may also make your payment at any of our offices
or through  the  EECU Home Banking  site by making a  transfer
from your deposit account.  It is your responsibility to ensure that
your payment arrives at our payment processing center on time.
We are not responsible for mail lost, damaged or misdelivered by
the postal service.

DO  NOT 
OBLIGATIONS WITH YOUR CREDIT CARD PAYMENT 

INCLUDE  PAYMENTS  FOR  OTHER  EECU

FINANCE CHARGES 
You  will  pay  interest  and  other  charges  on your  VISA
account. Interest and some of the other charges are called
“Finance Charges.” Finance  Charges  are  the  amounts  of
money  that you pay  for  the  money  that you borrow.  In
the  fees in the  “OTHER
addition to interest, some  of
CHARGES” section of your  VISA Account  Agreement  and
Disclosure, shown in bold, are considered Finance Charges.
To make VISA accounts available  to as many members  as
possible,  we offer  a  variety of rates.  The  actual  rate of
interest applicable to your account will depend on a number
of factors we may lawfully consider, including but not limited
to your  credit history.  When you are  approved for  a  VISA
account, we will disclose the ANNUAL PERCENTAGE RATE
and  any  variable  rate  formula  that  will  apply  to  your
Educational Employees Credit Union VISA account in writing
before you can start using your account.

Finance  Charge Calculation  Method:  Average  Daily  Balance:
We start by calculating the average daily balance for the billing
period.  For  each day  of the  billing  period,  we determine  the
daily balance by adding up all Cash Advances, Purchases, and
debit  adjustments  plus any  amount outstanding  as of your
most recent payment,  then subtracting  any  payments and
credits for that day. We then add all of the daily balances for the
billing  period and  divide them by the  number of days in the
billing  period.  We then multiply the  average  daily  balance  by
the monthly periodic rate to determine the finance charge for
that billing  period.  The  minimum  finance  charge in a  billing
cycle is $.50.

Grace  Period:  You  will  have  a  grace  period  of  25  days  on
average  for  repayment  of  Purchases.  Cash  Advances  and
Balance Transfers are subject to finance charges from the day
they post to your account until they are paid in full.  If you do not
pay your entire statement balance in full within the 25-day grace
period, finance charges will accrue on your purchase balance. 

We can change your interest rate and other finance charges
by  giving  you  advance  notice  as  is  required  by  applicable
law.  Unless  you  have  a  variable  rate  account,  changes  will
generally apply to transactions initiated more than 14 days
after provision of the notice. 

OTHER CHARGES
In  addition  to  Finance  Charges,  the  following  fees  may  be
assessed  to  your  Visa    Account.  They  will  be  added  to  the
principal balance and will accrue interest until paid:

•
Late Payment:
• Returned Payment:
• Over-the-Credit Limit:
• Balance Transfer:

• Cash Advance:*

•

•

Foreign Transaction:

Account Research:

Statement Copies:

•
• Replacement Cards:

Up to $15.00
$24.00
None
$5.00 or 2% of the transfer
amount, whichever is greater
$5.00 or 2% of the cash advance
amount, whichever is greater
Up to 1% of the transaction
amount in US dollars
$20.00 per hour, one hour 
minimum
$3.00 per statement
$5.00 per card, plus additional
charge for rush orders

•

•

•

•

Stop Payment on Recurring
VISA Transaction:
Stop Payment  on
VISA Loan Draft:
VISA Loan Draft:

$15.00

Visa Sales Slip Copy:

$15.00
The standard cash advance fee
applies to each VISA Loan Draft
Paid
$12.00 each

For new accounts, fees and charges are also stated in the Truth
in Lending Credit Card Opening Disclosure incorporated into
this  Agreement  by  reference  and  provided  to  you  separately
when your account was opened.

*The  following  are  considered  Cash  Advances:  (a)  obtaining
cash at an ATM using your VISA card; (b) a Cash Advance at a
financial  institution  or  other  entity  that  offer  Visa  Cash
Advances; (c) funds from the use of a Visa Loan Draft.

CREDITS
If a merchant who honors your card gives you credit for returns
or adjustments, he will do so by sending us a credit slip which we
will  post  to  your  account.  You  will  be  liable  for  any  finance
charges that accrue between the end of your grace period and
the  time  the  credit  posts  to  your  account.  If  your  credits  and
payments  exceed  what  you  owe,  the  amount  will  be  applied
against future Purchases and Cash Advances. If the credit is $1

 7or more, we will refund it to you on your written request. If we do
not receive a refund request, we will automatically post the credit
to  your  EECU  share  savings  account.  We  reserve  the  right  to
delay  increasing  your  credit  limit  or  delay  disbursing  credit
balance  refunds  until  final  collection  of  non-cash  payments  on
your account for the maximum period allowed by law.  

DEFAULT
You will be in default if you fail to make any Minimum Payment
when due in the proper amount, or if you fail to live up to the
terms  of  this  agreement.  You  will  also  be  in  default  if  your
creditworthiness  materially  declines,  you  become  insolvent,
you  file  for  bankruptcy  relief,  you  die,  or  you  cease  to  be  a
member of the Credit Union. In addition, you will be in default
if  you  have  made  misleading  or  incorrect  statements  or
material omissions of information in your credit application, or
you  fail  to  notify  the  Credit  Union  of  a  change  of  your
employment,  your  name,  or  your  address.  Even  if  the  Credit
Union accepts a late payment or a partial payment, we are not
waiving  our  right  to  accelerate  payment  of  the  account  and
declare  the  entire  unpaid  balance  due.  We  have  the  right  to
demand immediate payment of your full account balance if you
default, subject to our giving you any notice required by law.
You  agree  to  pay  our  reasonable  collection  costs  before  we
take  legal  action.  If  we  take  legal  action  to  collect  what  you
owe, you agree to pay our reasonable attorney's fees and court
costs, whether the action we take is a collection suit, an action
to enforce a judgment against you, or an action to protect our
interests if you become a bankruptcy debtor. Collection costs
and attorney's fees will post to your VISA account balance as
Cash Advances and bear interest at the rate applicable to your
VISA account until paid in full.

CONSENT  TO  RECOVERY  OF  DELINQUENT  PAYMENTS
FROM SHARES

In consideration for and as a condition of EECU issuing a
credit  card  to  you,  you  agree  that  if  you  default  on  your
credit  card  payments,  we  can  take  any  EECU  shares  in
which  you  have  an  interest  to  recover  all  or  part  of  your
delinquent  obligation  without  notice  to  you.  This  consent
does  not  apply  to  funds  generally  exempt  from  creditor's
remedies or accounts that would lose special tax treatment,
such as IRAs, if given as pledged as security for a loan. 

This consent is in addition to any right we have to impose
a lien on shares under the California Financial Code, is not
a pledge of specific shares as security for the VISA credit
card account, will not affect the dividend rates you earn on
your  shares,  and  will  not  impair  your  ability  to  withdraw
funds prior to our exercise of our rights under this consent.

CHANGES IN AGREEMENT TERMS
Your  EECU  VISA  Account  Agreement  and  Disclosure  is  your
agreement  with  EECU  governing  your  credit  card  transactions,
even though sales and Cash Advance slips and other documents
you  sign  related  to  your  transactions  may  have  different  terms
printed  on  them.  This  Agreement  can  only  be  modified  by  a
writing signed by an authorized EECU representative, an official

EECU change in terms notice, or the order of a court to whose
jurisdiction we are subject, such as a bankruptcy court. No oral
statements by EECU employees  can  alter  the  terms  of this
Agreement. 

Changes in terms, unless favorable to you, will generally apply
only to transactions made after the effective date of the change,
as specified by applicable state and federal laws and regulations.
If required by law,  we will  permit you  to reject certain  types  of
changes,  by providing  the  Credit Union  with an opt-out  notice
and closing your account.  You would then be permitted to repay
any balance on the account under the terms in effect prior to the
changes or as permitted by law. 

CANCELLATION/TERMINATION OF AGREEMENT
You or any jointly obligated party may cancel this agreement at
any time by notifying us in writing. If we have given you a written
notice of cancellation and  you  wish to have your account  re-
evaluated  for  a  new  line of credit,  you  must reapply  and  be
approved.

We may reduce your credit line from time to time, or with good
cause, revoke your card and terminate this agreement. We will
give you thirty days' notice before we reduce or terminate your
account  without  cause.  But  as indicated,  if you  breach this
agreement  we can  terminate  it without  prior  notice to you.
Termination by either of us does not affect your obligation to pay
the account balance, including finance charges. Cards and loan
drafts remain our property and you must recover and surrender
to us all  cards  and  loan drafts upon our  request  and  upon
termination of this agreement.

CREDIT INFORMATION  RETAINED AND  PROVIDED TO
OTHERS
You  authorize  us to investigate  your credit standing when
opening, renewing, or reviewing your account, and you authorize
us to disclose information  regarding  your account  to credit
bureaus and other creditors who inquire of us about your credit
standing, to the extent authorized by law.

As required by law, you are hereby notified that a negative credit
report reflecting on your credit record may  be submitted  to a
credit reporting agency, if you fail to fulfill the terms of your credit
obligation.

YOUR BILLING RIGHTS
KEEP THIS NOTICE FOR FUTURE USE 

STATE  AND  LOCAL  LAW: The  following  summary  of your
rights under federal law does not cover all rights you may have
under State and Local law. If, under State or local law, you have
a longer period of time in which to send an inquiry to the Credit
Union concerning your statement, reliance on any such longer
time period may  result in your losing important  rights which
could be preserved by acting more promptly under federal law.
State or local provisions, if any, only become operative upon
the  expiration  of  the  time  period  provided  by  Federal
Regulation Z for submitting a proper written notification of an
error.  This notice contains important  information  about  your
rights and responsibilities under the Fair Credit Billing Act.

Notify Us in Case of Errors or Questions  About  Your
Statement or Electronic Transfers

If you think your statement or other documentation is wrong or
if you  need more information  about  a  transaction  on your
statement,  write  us on a  separate sheet  at:  Educational
Employees  Credit Union,  VISA Processing,  P.O.  Box  5242,
Fresno CA 93755-5242.  Write  to us as soon as possible.  We
must hear from you  no later  than 60 days after  the  error
appeared on the first statement. You can telephone us at (559)
437-7700 or toll free at (800) 538-EECU, but doing so will not
preserve your rights.

In your letter, give us the following information:
• Your name and account number. 
• The dollar amount of the suspected error. 
• A description of the error and explanation of why you believe
there is an error. If you need more information, describe the
item you are not sure about. 

How  to Stop Payment  of a  Pre-authorized Electronic
Fund Transfer
If you  have authorized us to make your VISA payment
automatically from your share draft account, you can stop the
payment on any amount you think is wrong. To stop payment
you must contact us in writing within 3 business days before
the automatic payment is scheduled to occur. If you telephone
your request, we will require you to confirm your verbal request
in writing.  If you  order  us to stop one  of these  payments 3
business days or more before the  transfer is scheduled,  and
we do not do so, we will be liable for your losses or damages
up to the amount of the transfer.

Your Rights and  Our  Responsibilities After  We Receive
Your Written Notice of Error
We must acknowledge your letter within 30 days, unless we have
corrected the error by then. Within 90 days, we must either correct
the error or explain why we believe the statement is correct.

After  we receive  your letter and  if you  have not  yet  paid the
disputed amount,  we cannot try  to collect  any  amount you
question, or report you as delinquent. We can continue to bill
you  for  the  amount you  question,  including  finance  charges,
and we can apply any unpaid amount against your credit limit.
You do not have to pay the questioned amount while we are
investigating, but you are still obligated to pay the parts of your
statement that are not in question.

If we find that we made a mistake on your statement, you will not
have to pay  any  finance  charges  related  to any  questioned
amount. If we did not make a mistake, you may have to pay the
finance  charge,  and  you  will  have to make up any  missed
payments on the questioned amount. In either case, we will send
you a statement of the amount you owe and the date that it is due. 

If you fail to pay the amount that we think you owe, we may
report you as delinquent. However, if our explanation does not
satisfy you and you write to us within 10 days telling us that you
still refuse to pay, we must tell anyone we report you to that you
have a  question about  your statement.  We must tell  you  the
name of anyone we reported you  to and  we must let  them
know when the matter has been settled.

Special Rule for Credit Card Purchases
If you have a problem with the quality of property or services
that you purchase with a 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 property
or services. There are two limitations on this right:
a) You must have made the purchase in your home state, or if
not within your home state within 100 miles of your current
mailing address; and

(b) The purchase price must have been more than $50. These
limitations do not apply if we own or operate the merchant,
or if we mailed you the  advertisement  for  the  property or
services.

Under  California  law  our  right  to recover outstanding  credit
extended to you for Purchases is subject to any defenses that
you have against the seller, if:

1. The purchase price of the item in question exceeded $50;
2. The purchase was made in California;
3. You  made a  written  demand on the  retailer and  made a
good faith  attempt  to get  satisfaction  of your  complaint;
and 

4. You notify us, in writing, of the name of the seller, the date
of  purchase,  the  price  paid,  the  goods  or  services
purchased, the nature of your defense and the acts which
you took to obtain satisfaction from the seller. 

The  amount  to  which  the  defense  applies  is  limited  to  the
amount outstanding on the purchase as well as late charges
and  finance  charges  at  the  time  the  written  demand  is
received by us. This remedy is the only one you have against
us. Your rights are limited to those circumstances outlined in
California Civil Code § 1747.90. Purchases with cash or check
are not  included  in  this  section,  even  though  you  used  your
credit card to validate your credit. We cannot penalize you by
either giving out unfavorable credit information about you or
canceling or refusing to renew your credit card solely because
you obtained relief under the remedies you have for correcting
billing errors. 

TERMS  APPLICABLE TO VISA PLATINUM CURewards
PROGRAM
VISA Platinum cardholders may participate in the CURewards
program which is governed by the Program Rules outlined in
the CURewards brochure. The following additional rules apply
to the CURewards program:
a. No points are earned for a balance transfer from an existing

EECU VISA account or from another credit card. 

b. Points will accrue over four calendar years and will expire
on  a  first-in-first-out  basis  annually;  points  earned  in
calendar year one will expire as of the last day of calendar
year  four.  (For example, points earned  in 2012 will  expire
December 31,  2015;  points earned  in 2013 will  expire
December 31, 2016, etc.).

c. If your  account  is closed or becomes  inactive  for  18
consecutive  months or if you fail  to make the  minimum
payment due by the payment due date for two consecutive
billing periods, your points may be forfeited.

ATM DISCLOSURE
You may use your card to obtain cash through Automated Teller
Machines that are part of a nationwide network of VISA ATMs.
These special provisions apply.

AVAILABLE SERVICES
1. The amount of cash you can obtain may vary depending on

the ATM you use. 

2. ATM  service  is generally  available  seven  days a  week,  24

hours a day. 

DOCUMENTATION OF TRANSACTIONS
Cash Advances using your VISA ATM card will be shown on a
transaction receipt dispensed by the ATM and on your periodic
statement.

CREDIT UNION LIABILITY
If we do not  properly complete a  transaction  according  to our
agreement  with you,  we will  be liable for  your direct losses or
damages. However, there are some exceptions. We will not be
liable, if:
a. through no fault of ours, you do not have sufficient available

credit to make the transaction; 

b. the  ATM  system was  not  working  properly and  you  knew
about the breakdown when you started the transaction; 
c. the money in your account is subject to legal process or other

claim; 

d. your PIN (Personal Identification Number) has been reported

missing and we have blocked its use; 

e. circumstances  beyond our  control, such as fire,  flood,
electrical failure, or malfunction of the central data processing
facility prevent the completion of the transaction despite our
reasonable precautions; or
there are other lawful exceptions established by us and you
are given proper advance notice of them. 

f.

In no event  will  the  Credit Union  be liable for  consequential
indirect costs or damages.

FEES
If you perform a Cash Advance at an ATM not owned by us, the
owner of the ATM may charge an ATM transaction fee.

SECURITY
Do not use an ATM unless it appears safe to do so. Do not key
in your PIN if someone is looking. Be sure you take your card and
receipt  when you  are  done.  Put  your money  away quickly  and
leave the site.

Federally Insured by NCUA

©EECU
(V.2.22.2010)

M-109194

DISC 2 25M (10/13)

Experience the difference.

www.eecufresno.org

VISA ACCOUNT AGREEMENT 
and
DISCLOSURE

EDUCATIONAL EMPLOYEES CREDIT UNION
Shaded Paragraphs Meet Truth in Lending Requirements.
This agreement  outlines the  terms  and  conditions of your
Educational Employees Credit Union VISA account and provides
required  by  government
certain  disclosure information 
regulations.  Keep  this  disclosure with  your  permanent
documents.

In this brochure,  the  words  "you," "your,"  and  "yours," refer  to
each and all of those who apply for a VISA credit card, sign the
agreement, or all parties who use the card. The words "we," "us,"
"our," “Credit  Union,”  and  “EECU” refer  to the  Educational
Employees  Credit Union.  The  term "card" refers to the  VISA
credit card received with this agreement  and  any  duplicates
and/or renewals we issue.  The  term "account"  refers to your
VISA credit card line of credit account with us.

You acknowledge receipt of a copy of this Account Agreement
and  Disclosure.  By using  the  card,  any  access device,  or by
authorizing  another  person to use  your Account,  you  agree  to
and accept the terms as stated.

GENERAL TERMS
The terms of this agreement must be read together as part of the
whole agreement. When the singular is used the plural is implied
if there is more than one signer. If any part of this agreement is
found to be invalid the other parts shall remain in effect. 

Any borrower who receives a card issued under this agreement
must be a member of this Credit Union.

YOUR RESPONSIBILITY
If your application is approved, each applicant will receive a Card
and  will  be able to use  the  Account.  The  applicants may  also
receive VISA Loan Drafts from time to time at the Credit Union's
option. Each applicant is liable to repay the Account under the
terms of this agreement.

You agree to make your payments when due, and in an amount

 8or more, we will refund it to you on your written request. If we do
not receive a refund request, we will automatically post the credit
to your EECU share  savings  account.  We reserve  the  right  to
delay  increasing your credit limit  or delay  disbursing credit
balance  refunds  until  final  collection of non-cash payments on
your account for the maximum period allowed by law. 

DEFAULT
You will be in default if you fail to make any Minimum Payment
when due in the proper amount, or if you fail to live up to the
terms  of this agreement.  You  will  also be in default  if your
creditworthiness materially declines,  you  become insolvent,
you  file for  bankruptcy relief,  you  die,  or you  cease  to be a
member of the Credit Union. In addition, you will be in default
if you  have made misleading or incorrect  statements or
material omissions of information in your credit application, or
you  fail  to notify the  Credit Union  of a  change of your
employment,  your name,  or your address.  Even if the  Credit
Union accepts a late payment or a partial payment, we are not
waiving  our  right  to accelerate payment  of the  account  and
declare  the  entire unpaid balance  due.  We have the  right  to
demand immediate payment of your full account balance if you
default, subject to our giving you any notice required by law.
You  agree  to pay  our  reasonable collection costs  before we
take legal  action.  If we take legal  action to collect  what you
owe, you agree to pay our reasonable attorney's fees and court
costs, whether the action we take is a collection suit, an action
to enforce a judgment against you, or an action to protect our
interests if you become a bankruptcy debtor. Collection costs
and attorney's fees will post to your VISA account balance as
Cash Advances and bear interest at the rate applicable to your
VISA account until paid in full.

CONSENT  TO RECOVERY OF DELINQUENT PAYMENTS
FROM SHARES

In consideration for and as a condition of EECU issuing a
credit card to you,  you  agree  that if you  default  on your
credit card payments,  we can  take any  EECU shares in
which  you  have an interest to recover  all  or part of your
delinquent obligation without  notice to you.  This consent
does not  apply  to funds  generally  exempt from creditor's
remedies or accounts that would lose special tax treatment,
such as IRAs, if given as pledged as security for a loan. 

This consent is in addition to any right we have to impose
a lien on shares under the California Financial Code, is not
a pledge of specific shares as security for the VISA credit
card account, will not affect the dividend rates you earn on
your shares,  and  will  not  impair your ability  to withdraw
funds prior to our exercise of our rights under this consent.

CHANGES IN AGREEMENT TERMS
Your EECU VISA Account  Agreement  and  Disclosure is your
agreement  with EECU governing your credit card transactions,
even though sales and Cash Advance slips and other documents
you  sign related  to your transactions may  have different  terms
printed  on them.  This Agreement  can  only be modified by a
writing signed by an authorized EECU representative, an official

EECU change in terms notice, or the order of a court to whose
jurisdiction we are subject, such as a bankruptcy court. No oral
statements  by  EECU  employees  can  alter  the  terms  of  this
Agreement. 

Changes in terms, unless favorable to you, will generally apply
only to transactions made after the effective date of the change,
as specified by applicable state and federal laws and regulations.
If  required  by  law,  we  will  permit  you  to  reject  certain  types  of
changes,  by  providing  the  Credit  Union  with  an  opt-out  notice
and closing your account.  You would then be permitted to repay
any balance on the account under the terms in effect prior to the
changes or as permitted by law.  

CANCELLATION/TERMINATION OF AGREEMENT
You or any jointly obligated party may cancel this agreement at
any time by notifying us in writing. If we have given you a written
notice  of  cancellation  and  you  wish  to  have  your  account  re-
evaluated  for  a  new  line  of  credit,  you  must  reapply  and  be
approved.

We may reduce your credit line from time to time, or with good
cause, revoke your card and terminate this agreement. We will
give you thirty days' notice before we reduce or terminate your
account  without  cause.  But  as  indicated,  if  you  breach  this
agreement  we  can  terminate  it  without  prior  notice  to  you.
Termination by either of us does not affect your obligation to pay
the account balance, including finance charges. Cards and loan
drafts remain our property and you must recover and surrender
to  us  all  cards  and  loan  drafts  upon  our  request  and  upon
termination of this agreement.

CREDIT  INFORMATION  RETAINED  AND  PROVIDED  TO
OTHERS
You  authorize  us  to  investigate  your  credit  standing  when
opening, renewing, or reviewing your account, and you authorize
us  to  disclose  information  regarding  your  account  to  credit
bureaus and other creditors who inquire of us about your credit
standing, to the extent authorized by law.

As required by law, you are hereby notified that a negative credit
report  reflecting  on  your  credit  record  may  be  submitted  to  a
credit reporting agency, if you fail to fulfill the terms of your credit
obligation.

YOUR BILLING RIGHTS
KEEP THIS NOTICE FOR FUTURE USE 

STATE  AND  LOCAL  LAW: The  following  summary  of  your
rights under federal law does not cover all rights you may have
under State and Local law. If, under State or local law, you have
a longer period of time in which to send an inquiry to the Credit
Union concerning your statement, reliance on any such longer
time  period  may  result  in  your  losing  important  rights  which
could be preserved by acting more promptly under federal law.
State or local provisions, if any, only become operative upon
the  expiration  of  the  time  period  provided  by  Federal
Regulation Z for submitting a proper written notification of an
error.  This  notice  contains  important  information  about  your
rights and responsibilities under the Fair Credit Billing Act.

Notify Us in Case of Errors or Questions  About  Your
Statement or Electronic Transfers

If you think your statement or other documentation is wrong or
if you  need more information  about  a  transaction  on your
statement,  write  us on a  separate sheet  at:  Educational
Employees  Credit Union,  VISA Processing,  P.O.  Box  5242,
Fresno CA 93755-5242.  Write  to us as soon as possible.  We
must hear from you  no later  than 60 days after  the  error
appeared on the first statement. You can telephone us at (559)
437-7700 or toll free at (800) 538-EECU, but doing so will not
preserve your rights.

In your letter, give us the following information:
• Your name and account number. 
• The dollar amount of the suspected error. 
• A description of the error and explanation of why you believe
there is an error. If you need more information, describe the
item you are not sure about. 

How  to Stop Payment  of a  Pre-authorized Electronic
Fund Transfer
If you  have authorized us to make your VISA payment
automatically from your share draft account, you can stop the
payment on any amount you think is wrong. To stop payment
you must contact us in writing within 3 business days before
the automatic payment is scheduled to occur. If you telephone
your request, we will require you to confirm your verbal request
in writing.  If you  order  us to stop one  of these  payments 3
business days or more before the  transfer is scheduled,  and
we do not do so, we will be liable for your losses or damages
up to the amount of the transfer.

Your Rights and  Our  Responsibilities After  We Receive
Your Written Notice of Error
We must acknowledge your letter within 30 days, unless we have
corrected the error by then. Within 90 days, we must either correct
the error or explain why we believe the statement is correct.

After  we receive  your letter and  if you  have not  yet  paid the
disputed amount,  we cannot try  to collect  any  amount you
question, or report you as delinquent. We can continue to bill
you  for  the  amount you  question,  including  finance  charges,
and we can apply any unpaid amount against your credit limit.
You do not have to pay the questioned amount while we are
investigating, but you are still obligated to pay the parts of your
statement that are not in question.

If we find that we made a mistake on your statement, you will not
have to pay  any  finance  charges  related  to any  questioned
amount. If we did not make a mistake, you may have to pay the
finance  charge,  and  you  will  have to make up any  missed
payments on the questioned amount. In either case, we will send
you a statement of the amount you owe and the date that it is due. 

If you fail to pay the amount that we think you owe, we may
report you as delinquent. However, if our explanation does not
satisfy you and you write to us within 10 days telling us that you
still refuse to pay, we must tell anyone we report you to that you
have a  question about  your statement.  We must tell  you  the
name of anyone we reported you  to and  we must let  them
know when the matter has been settled.

Special Rule for Credit Card Purchases
If you have a problem with the quality of property or services
that you purchase with a 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 property
or services. There are two limitations on this right:
a) You must have made the purchase in your home state, or if
not within your home state within 100 miles of your current
mailing address; and

(b) The purchase price must have been more than $50. These
limitations do not apply if we own or operate the merchant,
or if we mailed you the  advertisement  for  the  property or
services.

Under  California  law  our  right  to recover outstanding  credit
extended to you for Purchases is subject to any defenses that
you have against the seller, if:

1. The purchase price of the item in question exceeded $50;
2. The purchase was made in California;
3. You  made a  written  demand on the  retailer and  made a
good faith  attempt  to get  satisfaction  of your  complaint;
and 

4. You notify us, in writing, of the name of the seller, the date
of  purchase,  the  price  paid,  the  goods  or  services
purchased, the nature of your defense and the acts which
you took to obtain satisfaction from the seller. 

The  amount  to  which  the  defense  applies  is  limited  to  the
amount outstanding on the purchase as well as late charges
and  finance  charges  at  the  time  the  written  demand  is
received by us. This remedy is the only one you have against
us. Your rights are limited to those circumstances outlined in
California Civil Code § 1747.90. Purchases with cash or check
are not  included  in  this  section,  even  though  you  used  your
credit card to validate your credit. We cannot penalize you by
either giving out unfavorable credit information about you or
canceling or refusing to renew your credit card solely because
you obtained relief under the remedies you have for correcting
billing errors. 

TERMS  APPLICABLE TO VISA PLATINUM CURewards
PROGRAM
VISA Platinum cardholders may participate in the CURewards
program which is governed by the Program Rules outlined in
the CURewards brochure. The following additional rules apply
to the CURewards program:
a. No points are earned for a balance transfer from an existing

EECU VISA account or from another credit card. 

b. Points will accrue over four calendar years and will expire
on  a  first-in-first-out  basis  annually;  points  earned  in
calendar year one will expire as of the last day of calendar
year  four.  (For example, points earned  in 2012 will  expire
December 31,  2015;  points earned  in 2013 will  expire
December 31, 2016, etc.).

c. If your  account  is closed or becomes  inactive  for  18
consecutive  months or if you fail  to make the  minimum
payment due by the payment due date for two consecutive
billing periods, your points may be forfeited.

ATM DISCLOSURE
You may use your card to obtain cash through Automated Teller
Machines that are part of a nationwide network of VISA ATMs.
These special provisions apply.

AVAILABLE SERVICES
1. The amount of cash you can obtain may vary depending on

the ATM you use. 

2. ATM  service  is generally  available  seven  days a  week,  24

hours a day. 

DOCUMENTATION OF TRANSACTIONS
Cash Advances using your VISA ATM card will be shown on a
transaction receipt dispensed by the ATM and on your periodic
statement.

CREDIT UNION LIABILITY
If we do not  properly complete a  transaction  according  to our
agreement  with you,  we will  be liable for  your direct losses or
damages. However, there are some exceptions. We will not be
liable, if:
a. through no fault of ours, you do not have sufficient available

credit to make the transaction; 

b. the  ATM  system was  not  working  properly and  you  knew
about the breakdown when you started the transaction; 
c. the money in your account is subject to legal process or other

claim; 

d. your PIN (Personal Identification Number) has been reported

missing and we have blocked its use; 

e. circumstances  beyond our  control, such as fire,  flood,
electrical failure, or malfunction of the central data processing
facility prevent the completion of the transaction despite our
reasonable precautions; or
there are other lawful exceptions established by us and you
are given proper advance notice of them. 

f.

In no event  will  the  Credit Union  be liable for  consequential
indirect costs or damages.

FEES
If you perform a Cash Advance at an ATM not owned by us, the
owner of the ATM may charge an ATM transaction fee.

SECURITY
Do not use an ATM unless it appears safe to do so. Do not key
in your PIN if someone is looking. Be sure you take your card and
receipt  when you  are  done.  Put  your money  away quickly  and
leave the site.

Federally Insured by NCUA

©EECU
(V.2.22.2010)

M-109194

DISC 2 25M (10/13)

Experience the difference.

www.eecufresno.org

VISA ACCOUNT AGREEMENT 
and
DISCLOSURE

EDUCATIONAL EMPLOYEES CREDIT UNION
Shaded Paragraphs Meet Truth in Lending Requirements.
This agreement  outlines the  terms  and  conditions of your
Educational Employees Credit Union VISA account and provides
required  by  government
certain  disclosure information 
regulations.  Keep  this  disclosure with  your  permanent
documents.

In this brochure,  the  words  "you," "your,"  and  "yours," refer  to
each and all of those who apply for a VISA credit card, sign the
agreement, or all parties who use the card. The words "we," "us,"
"our," “Credit  Union,”  and  “EECU” refer  to the  Educational
Employees  Credit Union.  The  term "card" refers to the  VISA
credit card received with this agreement  and  any  duplicates
and/or renewals we issue.  The  term "account"  refers to your
VISA credit card line of credit account with us.

You acknowledge receipt of a copy of this Account Agreement
and  Disclosure.  By using  the  card,  any  access device,  or by
authorizing  another  person to use  your Account,  you  agree  to
and accept the terms as stated.

GENERAL TERMS
The terms of this agreement must be read together as part of the
whole agreement. When the singular is used the plural is implied
if there is more than one signer. If any part of this agreement is
found to be invalid the other parts shall remain in effect. 

Any borrower who receives a card issued under this agreement
must be a member of this Credit Union.

YOUR RESPONSIBILITY
If your application is approved, each applicant will receive a Card
and  will  be able to use  the  Account.  The  applicants may  also
receive VISA Loan Drafts from time to time at the Credit Union's
option. Each applicant is liable to repay the Account under the
terms of this agreement.

You agree to make your payments when due, and in an amount

 9or more, we will refund it to you on your written request. If we do
not receive a refund request, we will automatically post the credit
to your EECU share  savings  account.  We reserve  the  right  to
delay  increasing your credit limit  or delay  disbursing credit
balance  refunds  until  final  collection of non-cash payments on
your account for the maximum period allowed by law. 

DEFAULT
You will be in default if you fail to make any Minimum Payment
when due in the proper amount, or if you fail to live up to the
terms  of this agreement.  You  will  also be in default  if your
creditworthiness materially declines,  you  become insolvent,
you  file for  bankruptcy relief,  you  die,  or you  cease  to be a
member of the Credit Union. In addition, you will be in default
if you  have made misleading or incorrect  statements or
material omissions of information in your credit application, or
you  fail  to notify the  Credit Union  of a  change of your
employment,  your name,  or your address.  Even if the  Credit
Union accepts a late payment or a partial payment, we are not
waiving  our  right  to accelerate payment  of the  account  and
declare  the  entire unpaid balance  due.  We have the  right  to
demand immediate payment of your full account balance if you
default, subject to our giving you any notice required by law.
You  agree  to pay  our  reasonable collection costs  before we
take legal  action.  If we take legal  action to collect  what you
owe, you agree to pay our reasonable attorney's fees and court
costs, whether the action we take is a collection suit, an action
to enforce a judgment against you, or an action to protect our
interests if you become a bankruptcy debtor. Collection costs
and attorney's fees will post to your VISA account balance as
Cash Advances and bear interest at the rate applicable to your
VISA account until paid in full.

CONSENT  TO RECOVERY OF DELINQUENT PAYMENTS
FROM SHARES

In consideration for and as a condition of EECU issuing a
credit card to you,  you  agree  that if you  default  on your
credit card payments,  we can  take any  EECU shares in
which  you  have an interest to recover  all  or part of your
delinquent obligation without  notice to you.  This consent
does not  apply  to funds  generally  exempt from creditor's
remedies or accounts that would lose special tax treatment,
such as IRAs, if given as pledged as security for a loan. 

This consent is in addition to any right we have to impose
a lien on shares under the California Financial Code, is not
a pledge of specific shares as security for the VISA credit
card account, will not affect the dividend rates you earn on
your shares,  and  will  not  impair your ability  to withdraw
funds prior to our exercise of our rights under this consent.

CHANGES IN AGREEMENT TERMS
Your EECU VISA Account  Agreement  and  Disclosure is your
agreement  with EECU governing your credit card transactions,
even though sales and Cash Advance slips and other documents
you  sign related  to your transactions may  have different  terms
printed  on them.  This Agreement  can  only be modified by a
writing signed by an authorized EECU representative, an official

EECU change in terms notice, or the order of a court to whose
jurisdiction we are subject, such as a bankruptcy court. No oral
statements by EECU employees  can  alter  the  terms  of this
Agreement. 

Changes in terms, unless favorable to you, will generally apply
only to transactions made after the effective date of the change,
as specified by applicable state and federal laws and regulations.
If required by law,  we will  permit you  to reject certain  types  of
changes,  by providing  the  Credit Union  with an opt-out  notice
and closing your account.  You would then be permitted to repay
any balance on the account under the terms in effect prior to the
changes or as permitted by law. 

CANCELLATION/TERMINATION OF AGREEMENT
You or any jointly obligated party may cancel this agreement at
any time by notifying us in writing. If we have given you a written
notice of cancellation and  you  wish to have your account  re-
evaluated  for  a  new  line of credit,  you  must reapply  and  be
approved.

We may reduce your credit line from time to time, or with good
cause, revoke your card and terminate this agreement. We will
give you thirty days' notice before we reduce or terminate your
account  without  cause.  But  as indicated,  if you  breach this
agreement  we can  terminate  it without  prior  notice to you.
Termination by either of us does not affect your obligation to pay
the account balance, including finance charges. Cards and loan
drafts remain our property and you must recover and surrender
to us all  cards  and  loan drafts upon our  request  and  upon
termination of this agreement.

CREDIT INFORMATION  RETAINED AND  PROVIDED TO
OTHERS
You  authorize  us to investigate  your credit standing when
opening, renewing, or reviewing your account, and you authorize
us to disclose information  regarding  your account  to credit
bureaus and other creditors who inquire of us about your credit
standing, to the extent authorized by law.

As required by law, you are hereby notified that a negative credit
report reflecting on your credit record may  be submitted  to a
credit reporting agency, if you fail to fulfill the terms of your credit
obligation.

YOUR BILLING RIGHTS
KEEP THIS NOTICE FOR FUTURE USE 

STATE  AND  LOCAL  LAW: The  following  summary  of your
rights under federal law does not cover all rights you may have
under State and Local law. If, under State or local law, you have
a longer period of time in which to send an inquiry to the Credit
Union concerning your statement, reliance on any such longer
time period may  result in your losing important  rights which
could be preserved by acting more promptly under federal law.
State or local provisions, if any, only become operative upon
the  expiration  of  the  time  period  provided  by  Federal
Regulation Z for submitting a proper written notification of an
error.  This notice contains important  information  about  your
rights and responsibilities under the Fair Credit Billing Act.

Notify  Us  in  Case  of  Errors  or  Questions  About  Your
Statement or Electronic Transfers

If you think your statement or other documentation is wrong or
if  you  need  more  information  about  a  transaction  on  your
statement,  write  us  on  a  separate  sheet  at:  Educational
Employees  Credit  Union,  VISA  Processing,  P.O.  Box  5242,
Fresno  CA  93755-5242.  Write  to  us  as  soon  as  possible.  We
must  hear  from  you  no  later  than  60  days  after  the  error
appeared on the first statement. You can telephone us at (559)
437-7700 or toll free at (800) 538-EECU, but doing so will not
preserve your rights.

In your letter, give us the following information:
• Your name and account number.
• The dollar amount of the suspected error.
• A description of the error and explanation of why you believe
there is an error. If you need more information, describe the
item you are not sure about.

How  to  Stop  Payment  of  a  Pre-authorized  Electronic
Fund Transfer
If  you  have  authorized  us  to  make  your  VISA  payment
automatically from your share draft account, you can stop the
payment on any amount you think is wrong. To stop payment
you must contact us in writing within 3 business days before
the automatic payment is scheduled to occur. If you telephone
your request, we will require you to confirm your verbal request
in  writing.  If  you  order  us  to  stop  one  of  these  payments  3
business  days  or  more  before  the  transfer  is  scheduled,  and
we do not do so, we will be liable for your losses or damages
up to the amount of the transfer.

Your  Rights  and  Our  Responsibilities  After  We  Receive
Your Written Notice of Error
We must acknowledge your letter within 30 days, unless we have
corrected the error by then. Within 90 days, we must either correct
the error or explain why we believe the statement is correct.

After  we  receive  your  letter  and  if  you  have  not  yet  paid  the
disputed  amount,  we  cannot  try  to  collect  any  amount  you
question, or report you as delinquent. We can continue to bill
you  for  the  amount  you  question,  including  finance  charges,
and we can apply any unpaid amount against your credit limit.
You do not have to pay the questioned amount while we are
investigating, but you are still obligated to pay the parts of your
statement that are not in question.

If we find that we made a mistake on your statement, you will not
have  to  pay  any  finance  charges  related  to  any  questioned
amount. If we did not make a mistake, you may have to pay the
finance  charge,  and  you  will  have  to  make  up  any  missed
payments on the questioned amount. In either case, we will send
you a statement of the amount you owe and the date that it is due.  

If you fail to pay the amount that we think you owe, we may
report you as delinquent. However, if our explanation does not
satisfy you and you write to us within 10 days telling us that you
still refuse to pay, we must tell anyone we report you to that you
have  a  question  about  your  statement.  We  must  tell  you  the
name  of  anyone  we  reported  you  to  and  we  must  let  them
know when the matter has been settled.

Special Rule for Credit Card Purchases
If you have a problem with the quality of property or services
that you purchase with a 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 property
or services. There are two limitations on this right:
a) You must have made the purchase in your home state, or if
not within your home state within 100 miles of your current
mailing address; and

(b) The purchase price must have been more than $50. These
limitations do not apply if we own or operate the merchant,
or if we mailed you the  advertisement  for  the  property or
services.

Under  California  law  our  right  to recover outstanding  credit
extended to you for Purchases is subject to any defenses that
you have against the seller, if:

1. The purchase price of the item in question exceeded $50;
2. The purchase was made in California;
3. You  made a  written  demand on the  retailer and  made a
good faith  attempt  to get  satisfaction  of your  complaint;
and 

4. You notify us, in writing, of the name of the seller, the date
of  purchase,  the  price  paid,  the  goods  or  services
purchased, the nature of your defense and the acts which
you took to obtain satisfaction from the seller. 

The  amount  to  which  the  defense  applies  is  limited  to  the
amount outstanding on the purchase as well as late charges
and  finance  charges  at  the  time  the  written  demand  is
received by us. This remedy is the only one you have against
us. Your rights are limited to those circumstances outlined in
California Civil Code § 1747.90. Purchases with cash or check
are not  included  in  this  section,  even  though  you  used  your
credit card to validate your credit. We cannot penalize you by
either giving out unfavorable credit information about you or
canceling or refusing to renew your credit card solely because
you obtained relief under the remedies you have for correcting
billing errors. 

TERMS  APPLICABLE TO VISA PLATINUM CURewards
PROGRAM
VISA Platinum cardholders may participate in the CURewards
program which is governed by the Program Rules outlined in
the CURewards brochure. The following additional rules apply
to the CURewards program:
a. No points are earned for a balance transfer from an existing

EECU VISA account or from another credit card. 

b. Points will accrue over four calendar years and will expire
on  a  first-in-first-out  basis  annually;  points  earned  in
calendar year one will expire as of the last day of calendar
year  four.  (For example, points earned  in 2012 will  expire
December 31,  2015;  points earned  in 2013 will  expire
December 31, 2016, etc.).

c. If your  account  is closed or becomes  inactive  for  18
consecutive  months or if you fail  to make the  minimum
payment due by the payment due date for two consecutive
billing periods, your points may be forfeited.

ATM DISCLOSURE
You may use your card to obtain cash through Automated Teller
Machines that are part of a nationwide network of VISA ATMs.
These special provisions apply.

AVAILABLE SERVICES
1. The amount of cash you can obtain may vary depending on

the ATM you use. 

2. ATM  service  is generally  available  seven  days a  week,  24

hours a day. 

DOCUMENTATION OF TRANSACTIONS
Cash Advances using your VISA ATM card will be shown on a
transaction receipt dispensed by the ATM and on your periodic
statement.

CREDIT UNION LIABILITY
If we do not  properly complete a  transaction  according  to our
agreement  with you,  we will  be liable for  your direct losses or
damages. However, there are some exceptions. We will not be
liable, if:
a. through no fault of ours, you do not have sufficient available

credit to make the transaction; 

b. the  ATM  system was  not  working  properly and  you  knew
about the breakdown when you started the transaction; 
c. the money in your account is subject to legal process or other

claim; 

d. your PIN (Personal Identification Number) has been reported

missing and we have blocked its use; 

e. circumstances  beyond our  control, such as fire,  flood,
electrical failure, or malfunction of the central data processing
facility prevent the completion of the transaction despite our
reasonable precautions; or
there are other lawful exceptions established by us and you
are given proper advance notice of them. 

f.

In no event  will  the  Credit Union  be liable for  consequential
indirect costs or damages.

FEES
If you perform a Cash Advance at an ATM not owned by us, the
owner of the ATM may charge an ATM transaction fee.

SECURITY
Do not use an ATM unless it appears safe to do so. Do not key
in your PIN if someone is looking. Be sure you take your card and
receipt  when you  are  done.  Put  your money  away quickly  and
leave the site.

Federally Insured by NCUA

©EECU
(V.2.22.2010)

M-109194

DISC 2 25M (10/13)

Experience the difference.

www.eecufresno.org

VISA ACCOUNT AGREEMENT 
and
DISCLOSURE

EDUCATIONAL EMPLOYEES CREDIT UNION
Shaded Paragraphs Meet Truth in Lending Requirements.
This agreement  outlines the  terms  and  conditions of your
Educational Employees Credit Union VISA account and provides
required  by  government
certain  disclosure information 
regulations.  Keep  this  disclosure with  your  permanent
documents.

In this brochure,  the  words  "you," "your,"  and  "yours," refer  to
each and all of those who apply for a VISA credit card, sign the
agreement, or all parties who use the card. The words "we," "us,"
"our," “Credit  Union,”  and  “EECU” refer  to the  Educational
Employees  Credit Union.  The  term "card" refers to the  VISA
credit card received with this agreement  and  any  duplicates
and/or renewals we issue.  The  term "account"  refers to your
VISA credit card line of credit account with us.

You acknowledge receipt of a copy of this Account Agreement
and  Disclosure.  By using  the  card,  any  access device,  or by
authorizing  another  person to use  your Account,  you  agree  to
and accept the terms as stated.

GENERAL TERMS
The terms of this agreement must be read together as part of the
whole agreement. When the singular is used the plural is implied
if there is more than one signer. If any part of this agreement is
found to be invalid the other parts shall remain in effect. 

Any borrower who receives a card issued under this agreement
must be a member of this Credit Union.

YOUR RESPONSIBILITY
If your application is approved, each applicant will receive a Card
and  will  be able to use  the  Account.  The  applicants may  also
receive VISA Loan Drafts from time to time at the Credit Union's
option. Each applicant is liable to repay the Account under the
terms of this agreement.

You agree to make your payments when due, and in an amount

 10or more, we will refund it to you on your written request. If we do
not receive a refund request, we will automatically post the credit
to your EECU share  savings  account.  We reserve  the  right  to
delay  increasing your credit limit  or delay  disbursing credit
balance  refunds  until  final  collection of non-cash payments on
your account for the maximum period allowed by law. 

DEFAULT
You will be in default if you fail to make any Minimum Payment
when due in the proper amount, or if you fail to live up to the
terms  of this agreement.  You  will  also be in default  if your
creditworthiness materially declines,  you  become insolvent,
you  file for  bankruptcy relief,  you  die,  or you  cease  to be a
member of the Credit Union. In addition, you will be in default
if you  have made misleading or incorrect  statements or
material omissions of information in your credit application, or
you  fail  to notify the  Credit Union  of a  change of your
employment,  your name,  or your address.  Even if the  Credit
Union accepts a late payment or a partial payment, we are not
waiving  our  right  to accelerate payment  of the  account  and
declare  the  entire unpaid balance  due.  We have the  right  to
demand immediate payment of your full account balance if you
default, subject to our giving you any notice required by law.
You  agree  to pay  our  reasonable collection costs  before we
take legal  action.  If we take legal  action to collect  what you
owe, you agree to pay our reasonable attorney's fees and court
costs, whether the action we take is a collection suit, an action
to enforce a judgment against you, or an action to protect our
interests if you become a bankruptcy debtor. Collection costs
and attorney's fees will post to your VISA account balance as
Cash Advances and bear interest at the rate applicable to your
VISA account until paid in full.

CONSENT  TO RECOVERY OF DELINQUENT PAYMENTS
FROM SHARES

In consideration for and as a condition of EECU issuing a
credit card to you,  you  agree  that if you  default  on your
credit card payments,  we can  take any  EECU shares in
which  you  have an interest to recover  all  or part of your
delinquent obligation without  notice to you.  This consent
does not  apply  to funds  generally  exempt from creditor's
remedies or accounts that would lose special tax treatment,
such as IRAs, if given as pledged as security for a loan. 

This consent is in addition to any right we have to impose
a lien on shares under the California Financial Code, is not
a pledge of specific shares as security for the VISA credit
card account, will not affect the dividend rates you earn on
your shares,  and  will  not  impair your ability  to withdraw
funds prior to our exercise of our rights under this consent.

CHANGES IN AGREEMENT TERMS
Your EECU VISA Account  Agreement  and  Disclosure is your
agreement  with EECU governing your credit card transactions,
even though sales and Cash Advance slips and other documents
you  sign related  to your transactions may  have different  terms
printed  on them.  This Agreement  can  only be modified by a
writing signed by an authorized EECU representative, an official

EECU change in terms notice, or the order of a court to whose
jurisdiction we are subject, such as a bankruptcy court. No oral
statements by EECU employees  can  alter  the  terms  of this
Agreement. 

Changes in terms, unless favorable to you, will generally apply
only to transactions made after the effective date of the change,
as specified by applicable state and federal laws and regulations.
If required by law,  we will  permit you  to reject certain  types  of
changes,  by providing  the  Credit Union  with an opt-out  notice
and closing your account.  You would then be permitted to repay
any balance on the account under the terms in effect prior to the
changes or as permitted by law. 

CANCELLATION/TERMINATION OF AGREEMENT
You or any jointly obligated party may cancel this agreement at
any time by notifying us in writing. If we have given you a written
notice of cancellation and  you  wish to have your account  re-
evaluated  for  a  new  line of credit,  you  must reapply  and  be
approved.

We may reduce your credit line from time to time, or with good
cause, revoke your card and terminate this agreement. We will
give you thirty days' notice before we reduce or terminate your
account  without  cause.  But  as indicated,  if you  breach this
agreement  we can  terminate  it without  prior  notice to you.
Termination by either of us does not affect your obligation to pay
the account balance, including finance charges. Cards and loan
drafts remain our property and you must recover and surrender
to us all  cards  and  loan drafts upon our  request  and  upon
termination of this agreement.

CREDIT INFORMATION  RETAINED AND  PROVIDED TO
OTHERS
You  authorize  us to investigate  your credit standing when
opening, renewing, or reviewing your account, and you authorize
us to disclose information  regarding  your account  to credit
bureaus and other creditors who inquire of us about your credit
standing, to the extent authorized by law.

As required by law, you are hereby notified that a negative credit
report reflecting on your credit record may  be submitted  to a
credit reporting agency, if you fail to fulfill the terms of your credit
obligation.

YOUR BILLING RIGHTS
KEEP THIS NOTICE FOR FUTURE USE 

STATE  AND  LOCAL  LAW: The  following  summary  of your
rights under federal law does not cover all rights you may have
under State and Local law. If, under State or local law, you have
a longer period of time in which to send an inquiry to the Credit
Union concerning your statement, reliance on any such longer
time period may  result in your losing important  rights which
could be preserved by acting more promptly under federal law.
State or local provisions, if any, only become operative upon
the  expiration  of  the  time  period  provided  by  Federal
Regulation Z for submitting a proper written notification of an
error.  This notice contains important  information  about  your
rights and responsibilities under the Fair Credit Billing Act.

Notify Us in Case of Errors or Questions  About  Your
Statement or Electronic Transfers

If you think your statement or other documentation is wrong or
if you  need more information  about  a  transaction  on your
statement,  write  us on a  separate sheet  at:  Educational
Employees  Credit Union,  VISA Processing,  P.O.  Box  5242,
Fresno CA 93755-5242.  Write  to us as soon as possible.  We
must hear from you  no later  than 60 days after  the  error
appeared on the first statement. You can telephone us at (559)
437-7700 or toll free at (800) 538-EECU, but doing so will not
preserve your rights.

In your letter, give us the following information:
• Your name and account number. 
• The dollar amount of the suspected error. 
• A description of the error and explanation of why you believe
there is an error. If you need more information, describe the
item you are not sure about. 

How  to Stop Payment  of a  Pre-authorized Electronic
Fund Transfer
If you  have authorized us to make your VISA payment
automatically from your share draft account, you can stop the
payment on any amount you think is wrong. To stop payment
you must contact us in writing within 3 business days before
the automatic payment is scheduled to occur. If you telephone
your request, we will require you to confirm your verbal request
in writing.  If you  order  us to stop one  of these  payments 3
business days or more before the  transfer is scheduled,  and
we do not do so, we will be liable for your losses or damages
up to the amount of the transfer.

Your Rights and  Our  Responsibilities After  We Receive
Your Written Notice of Error
We must acknowledge your letter within 30 days, unless we have
corrected the error by then. Within 90 days, we must either correct
the error or explain why we believe the statement is correct.

After  we receive  your letter and  if you  have not  yet  paid the
disputed amount,  we cannot try  to collect  any  amount you
question, or report you as delinquent. We can continue to bill
you  for  the  amount you  question,  including  finance  charges,
and we can apply any unpaid amount against your credit limit.
You do not have to pay the questioned amount while we are
investigating, but you are still obligated to pay the parts of your
statement that are not in question.

If we find that we made a mistake on your statement, you will not
have to pay  any  finance  charges  related  to any  questioned
amount. If we did not make a mistake, you may have to pay the
finance  charge,  and  you  will  have to make up any  missed
payments on the questioned amount. In either case, we will send
you a statement of the amount you owe and the date that it is due. 

If you fail to pay the amount that we think you owe, we may
report you as delinquent. However, if our explanation does not
satisfy you and you write to us within 10 days telling us that you
still refuse to pay, we must tell anyone we report you to that you
have a  question about  your statement.  We must tell  you  the
name of anyone we reported you  to and  we must let  them
know when the matter has been settled.

Special Rule for Credit Card Purchases
If you have a problem with the quality of property or services
that you purchase with a 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 property
or services. There are two limitations on this right:
a) You must have made the purchase in your home state, or if
not within your home state within 100 miles of your current
mailing address; and

(b) The purchase price must have been more than $50. These
limitations do not apply if we own or operate the merchant,
or  if  we  mailed  you  the  advertisement  for  the  property  or
services.

Under  California  law  our  right  to  recover  outstanding  credit
extended to you for Purchases is subject to any defenses that
you have against the seller, if:

1. The purchase price of the item in question exceeded $50;
2. The purchase was made in California;
3. You  made  a  written  demand  on  the  retailer  and  made  a
good  faith  attempt  to  get  satisfaction  of  your  complaint;
and

4. You notify us, in writing, of the name of the seller, the date
of  purchase,  the  price  paid,  the  goods  or  services
purchased, the nature of your defense and the acts which
you took to obtain satisfaction from the seller.

The  amount  to  which  the  defense  applies  is  limited  to  the
amount outstanding on the purchase as well as late charges
and  finance  charges  at  the  time  the  written  demand  is
received by us. This remedy is the only one you have against
us. Your rights are limited to those circumstances outlined in
California Civil Code § 1747.90. Purchases with cash or check
are  not  included  in  this  section,  even  though  you  used  your
credit card to validate your credit. We cannot penalize you by
either giving out unfavorable credit information about you or
canceling or refusing to renew your credit card solely because
you obtained relief under the remedies you have for correcting
billing errors. 

TERMS  APPLICABLE  TO  VISA  PLATINUM  CURewards
PROGRAM
VISA Platinum cardholders may participate in the CURewards
program which is governed by the Program Rules outlined in
the CURewards brochure. The following additional rules apply
to the CURewards program: 
a. No points are earned for a balance transfer from an existing

EECU VISA account or from another credit card. 

b. Points will accrue over four calendar years and will expire
on  a  first-in-first-out  basis  annually;  points  earned  in
calendar year one will expire as of the last day of calendar
year  four.  (For  example,  points  earned  in  2012  will  expire
December  31,  2015;  points  earned  in  2013  will  expire
December 31, 2016, etc.). 

c. If  your  account  is  closed  or  becomes  inactive  for  18
consecutive  months  or  if  you  fail  to  make  the  minimum
payment due by the payment due date for two consecutive
billing periods, your points may be forfeited.  

ATM DISCLOSURE
You may use your card to obtain cash through Automated Teller
Machines that are part of a nationwide network of VISA ATMs.
These special provisions apply.

AVAILABLE SERVICES
1. The amount of cash you can obtain may vary depending on

the ATM you use. 

2. ATM  service  is generally  available  seven  days a  week,  24

hours a day. 

DOCUMENTATION OF TRANSACTIONS
Cash Advances using your VISA ATM card will be shown on a
transaction receipt dispensed by the ATM and on your periodic
statement.

CREDIT UNION LIABILITY
If we do not  properly complete a  transaction  according  to our
agreement  with you,  we will  be liable for  your direct losses or
damages. However, there are some exceptions. We will not be
liable, if:
a. through no fault of ours, you do not have sufficient available

credit to make the transaction; 

b. the  ATM  system was  not  working  properly and  you  knew
about the breakdown when you started the transaction; 
c. the money in your account is subject to legal process or other

claim; 

d. your PIN (Personal Identification Number) has been reported

missing and we have blocked its use; 

e. circumstances  beyond our  control, such as fire,  flood,
electrical failure, or malfunction of the central data processing
facility prevent the completion of the transaction despite our
reasonable precautions; or
there are other lawful exceptions established by us and you
are given proper advance notice of them. 

f.

In no event  will  the  Credit Union  be liable for  consequential
indirect costs or damages.

FEES
If you perform a Cash Advance at an ATM not owned by us, the
owner of the ATM may charge an ATM transaction fee.

SECURITY
Do not use an ATM unless it appears safe to do so. Do not key
in your PIN if someone is looking. Be sure you take your card and
receipt  when you  are  done.  Put  your money  away quickly  and
leave the site.

Federally Insured by NCUA

©EECU
(V.2.22.2010)

M-109194

DISC 2 25M (10/13)

Experience the difference.

www.eecufresno.org

VISA ACCOUNT AGREEMENT 
and
DISCLOSURE

EDUCATIONAL EMPLOYEES CREDIT UNION
Shaded Paragraphs Meet Truth in Lending Requirements.
This agreement  outlines the  terms  and  conditions of your
Educational Employees Credit Union VISA account and provides
required  by  government
certain  disclosure information 
regulations.  Keep  this  disclosure with  your  permanent
documents.

In this brochure,  the  words  "you," "your,"  and  "yours," refer  to
each and all of those who apply for a VISA credit card, sign the
agreement, or all parties who use the card. The words "we," "us,"
"our," “Credit  Union,”  and  “EECU” refer  to the  Educational
Employees  Credit Union.  The  term "card" refers to the  VISA
credit card received with this agreement  and  any  duplicates
and/or renewals we issue.  The  term "account"  refers to your
VISA credit card line of credit account with us.

You acknowledge receipt of a copy of this Account Agreement
and  Disclosure.  By using  the  card,  any  access device,  or by
authorizing  another  person to use  your Account,  you  agree  to
and accept the terms as stated.

GENERAL TERMS
The terms of this agreement must be read together as part of the
whole agreement. When the singular is used the plural is implied
if there is more than one signer. If any part of this agreement is
found to be invalid the other parts shall remain in effect. 

Any borrower who receives a card issued under this agreement
must be a member of this Credit Union.

YOUR RESPONSIBILITY
If your application is approved, each applicant will receive a Card
and  will  be able to use  the  Account.  The  applicants may  also
receive VISA Loan Drafts from time to time at the Credit Union's
option. Each applicant is liable to repay the Account under the
terms of this agreement.

You agree to make your payments when due, and in an amount

 11or more, we will refund it to you on your written request. If we do
not receive a refund request, we will automatically post the credit
to your EECU share  savings  account.  We reserve  the  right  to
delay  increasing your credit limit  or delay  disbursing credit
balance  refunds  until  final  collection of non-cash payments on
your account for the maximum period allowed by law. 

DEFAULT
You will be in default if you fail to make any Minimum Payment
when due in the proper amount, or if you fail to live up to the
terms  of this agreement.  You  will  also be in default  if your
creditworthiness materially declines,  you  become insolvent,
you  file for  bankruptcy relief,  you  die,  or you  cease  to be a
member of the Credit Union. In addition, you will be in default
if you  have made misleading or incorrect  statements or
material omissions of information in your credit application, or
you  fail  to notify the  Credit Union  of a  change of your
employment,  your name,  or your address.  Even if the  Credit
Union accepts a late payment or a partial payment, we are not
waiving  our  right  to accelerate payment  of the  account  and
declare  the  entire unpaid balance  due.  We have the  right  to
demand immediate payment of your full account balance if you
default, subject to our giving you any notice required by law.
You  agree  to pay  our  reasonable collection costs  before we
take legal  action.  If we take legal  action to collect  what you
owe, you agree to pay our reasonable attorney's fees and court
costs, whether the action we take is a collection suit, an action
to enforce a judgment against you, or an action to protect our
interests if you become a bankruptcy debtor. Collection costs
and attorney's fees will post to your VISA account balance as
Cash Advances and bear interest at the rate applicable to your
VISA account until paid in full.

CONSENT  TO RECOVERY OF DELINQUENT PAYMENTS
FROM SHARES

In consideration for and as a condition of EECU issuing a
credit card to you,  you  agree  that if you  default  on your
credit card payments,  we can  take any  EECU shares in
which  you  have an interest to recover  all  or part of your
delinquent obligation without  notice to you.  This consent
does not  apply  to funds  generally  exempt from creditor's
remedies or accounts that would lose special tax treatment,
such as IRAs, if given as pledged as security for a loan. 

This consent is in addition to any right we have to impose
a lien on shares under the California Financial Code, is not
a pledge of specific shares as security for the VISA credit
card account, will not affect the dividend rates you earn on
your shares,  and  will  not  impair your ability  to withdraw
funds prior to our exercise of our rights under this consent.

CHANGES IN AGREEMENT TERMS
Your EECU VISA Account  Agreement  and  Disclosure is your
agreement  with EECU governing your credit card transactions,
even though sales and Cash Advance slips and other documents
you  sign related  to your transactions may  have different  terms
printed  on them.  This Agreement  can  only be modified by a
writing signed by an authorized EECU representative, an official

EECU change in terms notice, or the order of a court to whose
jurisdiction we are subject, such as a bankruptcy court. No oral
statements by EECU employees  can  alter  the  terms  of this
Agreement. 

Changes in terms, unless favorable to you, will generally apply
only to transactions made after the effective date of the change,
as specified by applicable state and federal laws and regulations.
If required by law,  we will  permit you  to reject certain  types  of
changes,  by providing  the  Credit Union  with an opt-out  notice
and closing your account.  You would then be permitted to repay
any balance on the account under the terms in effect prior to the
changes or as permitted by law. 

CANCELLATION/TERMINATION OF AGREEMENT
You or any jointly obligated party may cancel this agreement at
any time by notifying us in writing. If we have given you a written
notice of cancellation and  you  wish to have your account  re-
evaluated  for  a  new  line of credit,  you  must reapply  and  be
approved.

We may reduce your credit line from time to time, or with good
cause, revoke your card and terminate this agreement. We will
give you thirty days' notice before we reduce or terminate your
account  without  cause.  But  as indicated,  if you  breach this
agreement  we can  terminate  it without  prior  notice to you.
Termination by either of us does not affect your obligation to pay
the account balance, including finance charges. Cards and loan
drafts remain our property and you must recover and surrender
to us all  cards  and  loan drafts upon our  request  and  upon
termination of this agreement.

CREDIT INFORMATION  RETAINED AND  PROVIDED TO
OTHERS
You  authorize  us to investigate  your credit standing when
opening, renewing, or reviewing your account, and you authorize
us to disclose information  regarding  your account  to credit
bureaus and other creditors who inquire of us about your credit
standing, to the extent authorized by law.

As required by law, you are hereby notified that a negative credit
report reflecting on your credit record may  be submitted  to a
credit reporting agency, if you fail to fulfill the terms of your credit
obligation.

YOUR BILLING RIGHTS
KEEP THIS NOTICE FOR FUTURE USE 

STATE  AND  LOCAL  LAW: The  following  summary  of your
rights under federal law does not cover all rights you may have
under State and Local law. If, under State or local law, you have
a longer period of time in which to send an inquiry to the Credit
Union concerning your statement, reliance on any such longer
time period may  result in your losing important  rights which
could be preserved by acting more promptly under federal law.
State or local provisions, if any, only become operative upon
the  expiration  of  the  time  period  provided  by  Federal
Regulation Z for submitting a proper written notification of an
error.  This notice contains important  information  about  your
rights and responsibilities under the Fair Credit Billing Act.

Notify Us in Case of Errors or Questions  About  Your
Statement or Electronic Transfers

If you think your statement or other documentation is wrong or
if you  need more information  about  a  transaction  on your
statement,  write  us on a  separate sheet  at:  Educational
Employees  Credit Union,  VISA Processing,  P.O.  Box  5242,
Fresno CA 93755-5242.  Write  to us as soon as possible.  We
must hear from you  no later  than 60 days after  the  error
appeared on the first statement. You can telephone us at (559)
437-7700 or toll free at (800) 538-EECU, but doing so will not
preserve your rights.

In your letter, give us the following information:
• Your name and account number. 
• The dollar amount of the suspected error. 
• A description of the error and explanation of why you believe
there is an error. If you need more information, describe the
item you are not sure about. 

How  to Stop Payment  of a  Pre-authorized Electronic
Fund Transfer
If you  have authorized us to make your VISA payment
automatically from your share draft account, you can stop the
payment on any amount you think is wrong. To stop payment
you must contact us in writing within 3 business days before
the automatic payment is scheduled to occur. If you telephone
your request, we will require you to confirm your verbal request
in writing.  If you  order  us to stop one  of these  payments 3
business days or more before the  transfer is scheduled,  and
we do not do so, we will be liable for your losses or damages
up to the amount of the transfer.

Your Rights and  Our  Responsibilities After  We Receive
Your Written Notice of Error
We must acknowledge your letter within 30 days, unless we have
corrected the error by then. Within 90 days, we must either correct
the error or explain why we believe the statement is correct.

After  we receive  your letter and  if you  have not  yet  paid the
disputed amount,  we cannot try  to collect  any  amount you
question, or report you as delinquent. We can continue to bill
you  for  the  amount you  question,  including  finance  charges,
and we can apply any unpaid amount against your credit limit.
You do not have to pay the questioned amount while we are
investigating, but you are still obligated to pay the parts of your
statement that are not in question.

If we find that we made a mistake on your statement, you will not
have to pay  any  finance  charges  related  to any  questioned
amount. If we did not make a mistake, you may have to pay the
finance  charge,  and  you  will  have to make up any  missed
payments on the questioned amount. In either case, we will send
you a statement of the amount you owe and the date that it is due. 

If you fail to pay the amount that we think you owe, we may
report you as delinquent. However, if our explanation does not
satisfy you and you write to us within 10 days telling us that you
still refuse to pay, we must tell anyone we report you to that you
have a  question about  your statement.  We must tell  you  the
name of anyone we reported you  to and  we must let  them
know when the matter has been settled.

Special Rule for Credit Card Purchases
If you have a problem with the quality of property or services
that you purchase with a 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 property
or services. There are two limitations on this right:
a) You must have made the purchase in your home state, or if
not within your home state within 100 miles of your current
mailing address; and

(b) The purchase price must have been more than $50. These
limitations do not apply if we own or operate the merchant,
or if we mailed you the  advertisement  for  the  property or
services.

Under  California  law  our  right  to recover outstanding  credit
extended to you for Purchases is subject to any defenses that
you have against the seller, if:

1. The purchase price of the item in question exceeded $50;
2. The purchase was made in California;
3. You  made a  written  demand on the  retailer and  made a
good faith  attempt  to get  satisfaction  of your  complaint;
and 

4. You notify us, in writing, of the name of the seller, the date
of  purchase,  the  price  paid,  the  goods  or  services
purchased, the nature of your defense and the acts which
you took to obtain satisfaction from the seller. 

The  amount  to  which  the  defense  applies  is  limited  to  the
amount outstanding on the purchase as well as late charges
and  finance  charges  at  the  time  the  written  demand  is
received by us. This remedy is the only one you have against
us. Your rights are limited to those circumstances outlined in
California Civil Code § 1747.90. Purchases with cash or check
are not  included  in  this  section,  even  though  you  used  your
credit card to validate your credit. We cannot penalize you by
either giving out unfavorable credit information about you or
canceling or refusing to renew your credit card solely because
you obtained relief under the remedies you have for correcting
billing errors. 

TERMS  APPLICABLE TO VISA PLATINUM CURewards
PROGRAM
VISA Platinum cardholders may participate in the CURewards
program which is governed by the Program Rules outlined in
the CURewards brochure. The following additional rules apply
to the CURewards program:
a. No points are earned for a balance transfer from an existing

EECU VISA account or from another credit card. 

b. Points will accrue over four calendar years and will expire
on  a  first-in-first-out  basis  annually;  points  earned  in
calendar year one will expire as of the last day of calendar
year  four.  (For example, points earned  in 2012 will  expire
December 31,  2015;  points earned  in 2013 will  expire
December 31, 2016, etc.).

c. If your  account  is closed or becomes  inactive  for  18
consecutive  months or if you fail  to make the  minimum
payment due by the payment due date for two consecutive
billing periods, your points may be forfeited.

ATM DISCLOSURE
You may use your card to obtain cash through Automated Teller
Machines that are part of a nationwide network of VISA ATMs.
These special provisions apply.

AVAILABLE SERVICES 
1. The amount of cash you can obtain may vary depending on

the ATM you use. 

2. ATM  service  is  generally  available  seven  days  a  week,  24

hours a day. 

DOCUMENTATION OF TRANSACTIONS
Cash Advances using your VISA ATM card will be shown on a
transaction receipt dispensed by the ATM and on your periodic
statement.

CREDIT UNION LIABILITY
If  we  do  not  properly  complete  a  transaction  according  to  our
agreement  with  you,  we  will  be  liable  for  your  direct  losses  or
damages. However, there are some exceptions. We will not be
liable, if:
a. through no fault of ours, you do not have sufficient available

credit to make the transaction; 

b. the  ATM  system  was  not  working  properly  and  you  knew
about the breakdown when you started the transaction; 
c. the money in your account is subject to legal process or other

claim; 

d. your PIN (Personal Identification Number) has been reported

missing and we have blocked its use; 

e. circumstances  beyond  our  control,  such  as  fire,  flood,
electrical failure, or malfunction of the central data processing
facility prevent the completion of the transaction despite our
reasonable precautions; or 
there are other lawful exceptions established by us and you
are given proper advance notice of them. 

f.

In  no  event  will  the  Credit  Union  be  liable  for  consequential
indirect costs or damages.

FEES
If you perform a Cash Advance at an ATM not owned by us, the
owner of the ATM may charge an ATM transaction fee.

SECURITY 
Do not use an ATM unless it appears safe to do so. Do not key
in your PIN if someone is looking. Be sure you take your card and
receipt  when  you  are  done.  Put  your  money  away  quickly  and
leave the site.

Federally Insured by NCUA

©EECU
(V.2.22.2010)

M-109194

DISC 2 25M (10/13)

Experience the difference.

www.eecufresno.org

VISA ACCOUNT AGREEMENT 
and
DISCLOSURE

EDUCATIONAL EMPLOYEES CREDIT UNION
Shaded Paragraphs Meet Truth in Lending Requirements.
This agreement  outlines the  terms  and  conditions of your
Educational Employees Credit Union VISA account and provides
required  by  government
certain  disclosure information 
regulations.  Keep  this  disclosure with  your  permanent
documents.

In this brochure,  the  words  "you," "your,"  and  "yours," refer  to
each and all of those who apply for a VISA credit card, sign the
agreement, or all parties who use the card. The words "we," "us,"
"our," “Credit  Union,”  and  “EECU” refer  to the  Educational
Employees  Credit Union.  The  term "card" refers to the  VISA
credit card received with this agreement  and  any  duplicates
and/or renewals we issue.  The  term "account"  refers to your
VISA credit card line of credit account with us.

You acknowledge receipt of a copy of this Account Agreement
and  Disclosure.  By using  the  card,  any  access device,  or by
authorizing  another  person to use  your Account,  you  agree  to
and accept the terms as stated.

GENERAL TERMS
The terms of this agreement must be read together as part of the
whole agreement. When the singular is used the plural is implied
if there is more than one signer. If any part of this agreement is
found to be invalid the other parts shall remain in effect. 

Any borrower who receives a card issued under this agreement
must be a member of this Credit Union.

YOUR RESPONSIBILITY
If your application is approved, each applicant will receive a Card
and  will  be able to use  the  Account.  The  applicants may  also
receive VISA Loan Drafts from time to time at the Credit Union's
option. Each applicant is liable to repay the Account under the
terms of this agreement.

You agree to make your payments when due, and in an amount

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