VISA Account Agreement and Disclosure 

Shaded Paragraphs Meet Truth in Lending Requirements. 

This  agreement  outlines  the  terms  and  conditions  of  your  Educational  Employees  Credit  Union  VISA  account  and  provides 
certain disclosure information required by government 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  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.  

(f) 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. 

(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.  

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 INCLUDE PAYMENTS FOR OTHER EECU OBLIGATIONS WITH YOU CREDIT CARD PAYMENT  

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  FEES  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,  the 

 
 
 
 
 
 
 
 
 
 
 
 
 
corresponding Monthly Periodic 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  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 

Late Charge: If your payment is received 15 or more days late, you will pay a late fee of 3% of the payment due ($3 minimum; 
$15 maximum). 

Cash Advances: You will pay a Cash Advance fee of 2% of the amount advanced ($5.00 minimum) for each Cash Advance. The 
following are considered Cash Advances: (a) using your VISA card to obtain cash from an ATM: (b) obtaining a Cash Advance 
with your VISA card from a financial institution or other entity that offers VISA Cash Advances. 

Balance  Transfers:    You  will  pay  a  balance  transfer  fee  of  2%  of  the  amount  advanced  ($5.00  minimum)  for  each  balance 
transfer. 

VISA Loan Drafts:  You will pay a Cash Advance fee of 2% of the amount advanced ($5.00 minimum) for each Visa loan draft 
paid. 

Account Research: $20.00 per hour, one hour minimum. 

Card Replacements: $5.00 per card, plus additional charge for rush orders. 

Foreign Transaction Fee: Up to 1% of transaction amount. 

Returned Items- VISA Card Payment Returned Unpaid: $24.00. 

Statement Copies: $3.00 per statement. 

Stop Payment on Recurring VISA Transaction: $15.00. 

Stop Payment on VISA Loan Drafts: $15.00. 

VISA Sales Slip Copies: $12.00 per copy. 

Other fees as outlined in separate Schedule of Fees. 

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 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 Truth in Lending 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.  
• 
•  A description of the error and explanation of why you believe there is an error. If you need more information, describe 

The dollar amount of the suspected error.  

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 2007 will expire 
December 31, 2010; points earned in 2008 will expire December 31, 2011, etc.).  
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.   

c. 

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: 

through no fault of ours, you do not have sufficient available credit to make the transaction;  
the ATM system was not working properly and you knew about the breakdown when you started the transaction;  
the money in your account is subject to legal process or other claim;  

a. 
b. 
c. 
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. 

DISC 2  25M  (5/10) 

M#97170

(V.2.22.2010) 

 
 
 
 
Visa Credit Cards  From               To 

Platinum  

10.99% 

12.99% 

Gold 

Classic  

12.99% 

15.99% 

13.99% 

17.99% 

Golden Owl 

12.99% 

15.99% 

Starter/Student  

13.99% 

17.99%