2401 E. Pershing Blvd
Cheyenne, WY 82001  PH: 
800-368-9328 
www.bluefcu.com 
� 2019 Farleigh Wada Witt. All Rights Reserve d. This document may not be reproduced without written pe rmissi on from Farleigh Wada Witt. 11-11-19  1
and Account issued b y Blue Federal Credit Union . In th
is Agreement, the words "you," "your," "yours," "applicant," and 
"Borrower" mean an y person who signs the app lication fo r this Ac- c
ount, an y joint ob ligor, gua rantor, autho rized user, or the pe rson 
whose name is embossed on the Card. The words "we," "us," "our," and 
"Credit Union" mean B lue Federal Credit Union. The word 
"Card" means any one o r more credit cards issued unde r this Ac- c
ount. If you sign an application for this Account  or sign or use a
ny Card or PIN, or allow others to use the Card or PIN, you a
nd they will have acce pted this Agreement just as if you and 
they si gned it, and you and they, jointly and severally, will be 
bound  by the following terms a nd conditions which will gov-
ern this Account . Y
ou grant us a sec urity interest in all y our shares a nd deposits, 
present and future, and all acc ount s with the Credit Union (ex-
cept Individual Retireme nt Account s) to secure your Account . 
This sec urity interest is re quired as a c ondition for us to grant y
ou credit under this Agreement. 
You p romise to pa y us all amounts, plus any Interest Charges, which a
rise from use of the Card or Account b y you or any othe r person, and to be 
jointly and severally liable with such a pe rson, un less such othe
r person doe s not ha ve actual, implied, o r appa rent autho rity for 
such use, and you received no benef it from the u se. You p romise to pa
y us either by direct payment o r by auto matic transfers from 
shares or by payroll dedu ction. 
a. Purchases, Cash Advances, a nd Balance Transfers. You
must sign the Card to u se it. Once you ha ve signed the Card, you
can use it to bu y or lease good s, services, or insurance wherever
the Card is hono red, up to the fu ll amount of your Credit Line. You
may use your Account to get cash advances from us. You may also
use your Card to get a cash advance from participating financial i
nstitutions, to initiate a ba lance transfer payment on anothe r
account, and to a ccess your line of credit at auto matic teller
thin the MasterCard net work or any othe r A
TMs that a ccept MasterCard branded cards.  
b.Convenience Checks. If we app rove, you may obta in advances
unde r your Account b y writing preprinted convenience loan checks
that  
we supply to you. You r use of loan checks will be shown either
as a pu rchase, cash advance, or balance transfer on your monthly s
tatement. We may not hono r your loan check if: your check is
post-dated; pa yment of the check would exceed your Credit Line; a 
check is signed b y person without autho rized access; the a mount of the 
check is less than the minimum required amount; your Ac- c
ount ha s been te rminated o r suspended, o r any drafts have been
reported lost or stolen. You may stop pa yment on a loan check if
you provide us with the e xact information de scribing the check. If
you give us incorrect information, we will not be responsible for fail- i
ng to stop pa yment. You unde rstand the re may be a charge fo r
each stop pa yment o rder reque sted. Ou r liability for a wrongfu l dis-
hono r is limited to your actual charges; however, a dishono r for the
reasons stated abo ve is not a wrongfu l dishono r. Only the pe rson
whose name is printed on a convenience check may sign it. All c
onvenience checks must be written in U.S. do llars. We will not
certify a convenience check. You may write the se checks for any
amount p roviding your total outstanding ba lance doe s not e xceed
your available Credit Line and your credit card remains in go odstanding. We are ent itled to return it unpa id if there is not enough a
vailable credit on your Account to pa y it, if you are in defau lt unde r th
is Agreement, if your card or convenience checks have been re-
ported lost or stolen, o r if the convenience check is post-dated. A 
convenience check may not be u sed to make a pa yment on your 
credit card account o r any othe r loan a ccount you ha ve with us. 
The Credit Union shall have no liability for any convenience check 
returned in excess of your Credit Line. 
If we app rove your application, th is Agreement will constitute a re- v
olving line of credit for an amount which will be the Credit Line unde r 
your Account. We will advise you of the a mount of your Credit Line. 
That a mount will be the maximum amount you may have out standing at an
y one t ime. You ag ree not to atte mpt to obta in more credit than the a
mount of your Credit Line. However, if you te mporarily exceed 
your Credit Line, you ag ree to repay the e xcess immediately, even if 
we have not yet billed you. Obta ining such credit doe s not increase 
your Credit Line. We retain the right to increase or decrease your 
Credit Line at an y time. An y increase or reduction in the a mount of 
your Credit Line will be shown on your monthly statement o r by sep-
arate not ice togethe r with an y change s in the app licable Minimum 
Monthly Payments. You r eligibility for this Credit Line is dete rmined b
y our loan po licy and may be te rminated at ou r sole discretion, with-
out de mand o r notice. You may close your Credit Line at an y time by not
ifying us in writing and returning all Cards cut in half. If you te rmi-
nate th is Agreement o r if we terminate o r suspend your credit privi- l
eges, the p rovisions of th is Agreement and your liability hereunde r 
shall othe rwise remain in full force and effe ct until you ha ve paid us a
ll sums due u s unde r this Agreement and returned a ll Cards. 
We will mail you a statement e very month if your Account ha s a ba
lance. You ag ree that you will pay each month not less than the 
minimum monthly payment on o r befo re the closing date. The mini- m
um monthly payment will be the larger of:  (a) 2.0% of your out-
. If 
your outstanding ba lance is less than $20, you ag ree to pa y the ba
lance in full. In add ition to the minimum monthly payment, you 
shown on your statement ea ch month b y the due date shown on your State
ment. You may pay in full for all your purchases and cash ad- v
ances each month, o r you may repay in monthly installments. We 
can accept late pa yments or partial payments, or checks, drafts, or 
unde r this Agreement, which are hereby explicitly reserved. A credit po
sting from a merchant o r reversal of fee s does not constitute a 
minimum payment. The minimum monthly payment may be a llo-
such as promotional offers, befo re higher rate ba lances, such as 
cash advances or purchases. Payments in excess of the minimum 
monthly payment will be a llocated f irst to h igher rate ba lances, as app
licable. From time to t ime, we may allow you to skip your mini- m
um monthly payment due. If you choose to skip that pa yment, In -
terest Charges will continue to a ccrue in accordance with this Agree- m
ent. Pa yments received at:  PO Bo x 37035, Boone, IA  50037 -0035 on o
r befo re 5:00 P M Central Time on an y business day will be cred- i
ted to your Account a s of that date; pa yments received by mail at that add
ress after 5:00 P M Central Time or on a weekend will be po
sted to your Account a s of the ne xt business day. 
By signing your application, to secure your Account, you grant u s a pu
rchase money security interest unde r the Uniform Commercial  � 2019 Farleigh Wada Witt. All Rights Reserve d. This document may not be reproduced without written pe rmissi on from Farleigh Wada Witt. 11-11-19 2 Code of the state in which you reside in any good s you pu rchase th
rough your Account. If you defau lt, we will have the right to recover an
y of the se good s that ha ve not been pa id for through app lication of 
your payments in the manne r described in Section 4. In add ition, 
you grant u s a security interest in all your shares and depo sits, pre- s
ent and futu re, and a ll accounts (except Ind ividual Retirement A c- c
ounts and Keogh A ccounts) with the Credit Union to secure your A
ccount and ag ree, upon defau lt, the Credit Union may apply all that 
is secured to pa y any amounts due unde r this Agreement, without fu
rther notice to you. Y ou further agree that collateral sec uring 
other loans with the Credit Union (exce pt loans sec ured by real 
property) also secures this Account . 
Each month, if you ha ve an out standing ba lance, we will send you a 
statement showing ne w purchases, cash advances, payments, and 
credits made to your Account du ring the b illing pe riod, your Previous Ba
lance, your "Total New Balance," any Interest Charge, and an y othe
r charges. You r statement a lso will identify the remaining Credit L
ine available and the Minimum Monthly Payment you must make fo
r that b illing pe riod and the date it is due. For statement verification pu
rposes, you ag ree to retain copies of transaction slips resulting f
rom each purchase, ea ch advance, and othe r transaction on your A
ccount. Unless you not ify us of a b illing error as described be low, 
you accept your monthly statement a s an accurate statement of your A
ccount with us. 
The tota l outstanding ba lance of pu rchases, balance transfers, and 
cash advances in the A ccount on the closing date of a b illing pe riod, 
including an y Inte rest Charge, will be shown on the Pe riodic State
ment fo r that b illing pe riod as the "New Balance."  a. 
Cash Advances a nd Balance Transfers. We beg in charging an Inte
rest Charge on cash advances and ba lance transfers from the date of ea
ch transaction. There is no time period within which to pa y to a
void a pe riodic Interest Charge on cash advances or balance t
ransfers.  
b. Purchases. You r due date is at least 25 da ys after the close of ea
ch billing pe riod. An Inte rest Charge will be imposed on the po r-
tion of pu rchases included in the New Balance that is not pa id by the due date. 
Interest 
Charge on pu rchases for a billing pe riod. However, if you do not pa
y the New Balance for purchases within the g race period, your Inte
rest Charge will accrue on an y unpa id purchase transactions f
rom the f irst day of the b illing pe riod in which the pa yment is due. 
The Credit Union figures the Inte rest Charge on your Account b y 
multiplying the "Average Daily Balance" of pu rchases, balance t
ransfers, and cash advances for your Account (including current t
ransactions) by the Monthly Periodic Rate. To get the "Average 
Daily Balance" we take the beg inning ba lance of your Account ea
ch day, add an y new purchases or cash advances, and subtract an
y payments or credits, unpa id Inte rest Charge and unpa id late 
charges. This gives us the da ily balance. Then, we add up a ll the da
ily balances for the b illing pe riod and d ivide the tota l by the nu m-
ber of da ys in the b illing pe riod. This gives us the "Average Daily Ba
lance
Percentage Rate in effe ct for the b illing pe riod by 12. 
a. Standard Rates. The Pe riodic Rate and correspond ing Annua l Pe
rcentage Rate(s) used to compute the Inte rest Charge are set fo
rth in the A ccount Discl osure that a ccompanies, and is a pa rt of, th
is Agreement. The Annua l Percentage Rate is divided b y 12 to obta
in the Monthly Periodic Rate. If your Account is a Va riable Rate Account, your Annua l Percentage Rate may change ea ch qua rter ba
sed on an index, which is the h ighest Prime Rate pub lished in 
The Wall Street Journal. The Annua l Percentage Rate will change on the f
irst day of the statement cycle that beg ins in Janua ry, April, 
July, and O ctober, based on the index rate a s of the 15th day of the p
revious month. To dete rmine the Annua l Percentage Rate, we add a 
margin to the index. The a mount of the margin for your a
ccount is based on your credit profile and will be d isclosed on the A
ccount Discl osure that a ccompanies, and is a pa rt of, th is Ag
reement. The Annua l Percentage Rate will never be more than 18.00%. 
Change s in the Annua l Percentage Rate will affect the nu
mber of pa yments you make.  
b. Introductory or Promotional Rates. At ou r discretion, we may offe
r you an introductory or promotional Annua l Percentage Rate fo
r your Account. An y introductory or promotional Annua l Pe
rcentage Rate will be subject to the te rms of the offe r and th is Ag
reement. We will provide you with information on the offe r, 
including the t ime pe riod the introductory or promotional Annua l Pe
rcentage Rate is in effe ct in the A ccount Discl osure or in othe r 
materials that we send to you about the offe r after you receive your 
Credit Card. 
You ag ree to pa y the fo llowing fee s and charges on your Account. A
ll fees and charges will be added to your purchase balance and will a
ccrue interest charges at the same rate that app lies to your pur- c
hase balance. a. 
Late Fee. If your payment is not received by the due date, you 
will pay a late fee a s described in the A ccount Discl osures.    
b. Returned Item Fee. If an y check or draft we receive from you as pa
yment fo r any amount you owe to u s is returned to u s unpa id, you ag
ree to pa y a returned item fee a s described in the A ccount 
Discl osures. c. 
Cash Advance Fee. If you initiate a Cash Advance, you will pay a fee a
s described in the A ccount Discl osures.    
d. Balance Transfer Fee. If you transfer a ba lance from debt at anothe
r financial institution to your Blue Federal Credit Union credit 
card, we will charge you a Ba lance Transfer Fee. e. 
ATM  Fee. If you use an A TM to obta in a cash advance and the A
TM is not ope rated b y us, you may be charged an A TM surcharge b
y the A TM ope rator or an A TM network utilized fo r such a t
ransaction. The ATM surcharge may be charged to your Account if 
you complete the t ransaction. 
f. International Transaction Fee. You will be charged an Inte
rnational Transaction Fee of up to 1.0% of the t ransaction a
mount fo r any card transaction in which the merchant o r othe r pa
rty to the t ransaction is in a fo reign country.  
g. Card Replaceme nt Fee. For each replacement card you reque st, 
you will pay a fee a s described in the A ccount Discl osures. If you 
reque st special rush de livery, you will pay an add itional fee a s de
scribed in the A ccount Discl osures.  
h. Attorney's Fees a nd Costs. If you defau lt on an y part of th is Ag
reement, you ag ree to pa y us all costs to collect your Account, 
including court costs and reasonab le atto rney fees whethe r or not the
re is a lawsuit, and fee s on an y appea l and fee s for bankruptcy p
roceedings, appea ls, and an y post-judgment collection services, if app
licable. These fee s and costs may be added to your Account ba l-
ance and will bear interest at the Annua l Percentage Rate in effe ct at that t
ime. 
a. Use. You r Card and A ccount may be used on ly for valid and lawful pu
rposes. You may not u se your Card (i) to make Pu rchases or obta
in Cash Ad vances for any illegal transaction, o r (ii) for any 
internet o r online ga mbling transactions. If you use your Card for any 
illegal or prohibited transaction, th is Agreement a lso app lies to such t
ransaction and you ag ree to pa y any and a ll amounts related to such  � 2019 Farleigh Wada Witt. All Rights Reserve d. This document may not be reproduced without written pe rmissi on from Farleigh Wada Witt. 11-11-19 3 transaction pu rsuant to the te rms of th is Agreement. We may, at ou r 
sole discretion and without warning, restrict the u se of o r terminate 
your Card if we not ice excessive use of your Card or othe r suspicious a
ctivities or if we reasonab ly believe the Card is or has been u sed fo
r one o r more illegal or prohibited transactions. 
b. Ow nership of Cards. An y Card or othe r credit instrument o r de
vice which we supply to you is our property and must be returned to u
s, or to an y person whom we autho rize to a ct as our agent, o r to an
y person who is autho rized to hono r the Card, immediately a
ccording to instructions. The Card may be repossessed at an y time 
in our sole discretion without de mand o r notice. You cannot t ransfer 
your Card or Account to anothe r person. c. 
Hono ring the Card. We may decline to hono r any transaction fo r an
y reason. Neither we nor merchants autho rized to hono r the Card 
will be responsible for the fa ilure or refusal to hono r the Card or any othe
r credit instrument o r device we supply to you. If a merchant ag
rees to g ive you a refund o r adjustment, you ag ree to a ccept a 
credit to your Account in lieu of a cash refund. 
d. Currency Conversi on/International Transaction Fee. Pu
rchases and cash advances made in foreign countries will be b
illed to you in U.S. do llars. The currency conversion rate fo r 
international transactions is a rate selected b y MasterCard from the 
range of rates available in wholesale currency markets for the app
licable central processing date (which rate may vary from the rate 
MasterCard itself receives), or the go vernment-mandated rate in effe
ct for the app licable central processing date. In add ition, you will be 
charged an Inte rnational Transaction Fee of 1% of the t ransaction a
mount fo r any card transaction made in a fo reign country. e. 
Notices a nd Payme nts. All notices will be sent to your address a
s shown in the app lication. You ag ree to ad vise us promptly in 
writing if you change your mailing add ress. All payments should be 
mailed to u s at the remittance add ress shown on your monthly 
statements. Payments received at that add ress will be credited to 
your Account a s of the date received. Written not ices and inquiries to u
s must be sent to:  B
lue Federal Credit Union   P.O. Bo
x 3200  
Cheyenne, WY 82003 -3200 
f. Pers onal Identification Number. If we issue you a Pe rsonal Iden -
tification Number ("PIN") for use with your Card in accessing your 
line of credit at A TMs, these numbers are issued to you fo r your se- c
urity purposes. These numbers are confidential and should not be d
isclosed to th ird parties. You a re responsible for safekeeping your PI
N. You ag ree not to d isclose or othe rwise make available your PIN to an
yone not autho rized to sign on your Account. To keep your Ac- c
ount secure, please do not write your PIN on your Card or keep it 
in the same place as your Card. 
Loan P rotection coverage is not required fo r any extension of credit unde
r this Agreement. However, you may purchase any loan p rotec-
tion available through u s and ha ve the monthly fee added to your out
standing ba lance as purchases. If you elect to do so, we will give 
you the ne cessary disclosures and do cuments separately. 
You will be in defau lt unde r this Agreement if any of the fo llowing o
ccur:  (a) Any Minimum Monthly Payment is not made when due; 
(b) You be come insolvent, ban krupt, o r you die; (c) You violate an y pa
rt of th is Agreement, o r any othe r agreement with us; or (d) If we 
reasonab ly deem ourselves insecure with respect to your Account. 
Upon defau lt, we may declare the ent ire unpa id balance immediately due and pa
yable, and you ag ree to pa y that a mount p lus any attor-
ney's fees and costs as set forth in Section 10 abo ve, including fee s and 
costs in any appea l or bankruptcy proceeding. We can de lay enfo
rcing an y right unde r this Agreement without losing that right o r an
y othe r right. We will notify you in writing of an y such action as 
soon a s practical if it occurs. This Agreement will not ta ke effe ct until it is approved by us. This Ag
reement shall be go verned b y the laws of the state of Wyoming. 
If any provision of th is Agreement is held invalid, the remaining pro- visi
ons that a re severable shall remain in effe ct. 
You ag ree to not ify us immediately of the loss, or the theft, o r the u se 
without your permissi on, of an y Card or othe r credit instrument o r de
vice which we supply to you. You may be liable for the unautho r- iz
ed use of your card. You will not be liable for unautho rized use 
which occurs after you not ify:  Blue Federal Credit Union, P.O. Bo x 3200, 
Cheyenne, WY 82003 -3200, Telephone: (800) 368 -9328, o
rally or in writing of loss, theft, o r possible unautho rized use. In an y 
case, your liability shall not e xceed $50. 
You autho rize us to release information to othe rs (e.g., credit bu- r
eaus, merchants, and othe r financial institutions) regarding the sta-
tus and h istory of your Credit Line. You ag ree to p rovide us, at an y t
ime we dee m necessary, with a current financial statement and/o r updated 
credit information upon reque st. We may investigate your 
credit directly or through a credit reporting agen cy. 
We reserve the right to change an y terms or conditions of th is Ag
reement at an y time, to the e xtent pe rmitted b y applicable law. 
We will notify you of the change s to th is Agreement a s required by 
law. 
Keep th is document fo r future use. This notice tells you about your 
rights and ou r responsibilities unde r the Fair Credit Billing Act. 
What To Do If You Find A Mistake On You r State ment. If you th ink the
re is an e rror on your statement, write to u s at:  B lue Federal 
Credit Union, P.O. Bo x 3200, Cheyenne, WY 82003 -3200. In your 
letter, give us the fo llowing information: 
 Account information: You r name and a ccount nu mber. 
 Dollar amount: The do llar amount of the suspected e rror. 
 Description of p roblem: If you th ink there is an e rror on your b
ill, describe what you be lieve is wrong and why you be lieve it 
is a mistake. You 
must contact us: 
 Within 60 da ys after the e rror appea red on your statement. 
 At least 3 bu siness days befo re an auto mated pa yment is 
schedu led, if you want to stop pa yment on the a mount you th
ink is wrong. You 
must notify us of an y potent ial errors in writing. You may call u
s, but if you do, we are not required to investigate an y potent ial e
rrors and you may have to pa y the a mount in que stion. 
What Will Happen Afte r We Receive You r Lette r. When we receive 
your letter, we must do t wo things: 1. 
Within 30 da ys of receiving your letter, we must tell you that 
we received your letter. We will also tell you if we have al- r
eady corrected the e rror. 2. 
Within 90 da ys of receiving your letter, we must either correct the e
rror or explain to you why we believe the b ill is correct. 
While we investigate whethe r or not the re has been an e rror: 
 We cannot t ry to collect the a mount in que stion or report you a
s delinquent on that a mount. 
 The charge in que stion may remain on your statement, and we 
may continue to charge you interest on that a mount.  � 2019 Farleigh Wada Witt. All Rights Reserve d. This document may not be reproduced without written pe rmissi on from Farleigh Wada Witt. 11-11-19 4  While you do not ha ve to pa y the a mount in que stion, you are 
responsible for the remainder of your balance. 
 We can app ly any unpa id amount aga inst your credit limit. Afte
r we finish our investigation, one of t wo things will happen: 
 If we made a mistake: You will not ha ve to pa y the a mount in que
stion or any interest or othe r fees related to that a mount. 
 If we do not be lieve the re was a mistake: You will have to pa y the a
mount in que stion, a long with app licable interest and fee s. 
We will send you a statement of the a mount you owe and the date pa
yment is due. We may then report you as delinquent if 
you do not pa y the a mount we think you owe. If 
you receive our explanation but still believe your bill is wrong, you 
must write to u s within 10 da ys telling us that you still refuse to pa y. If 
you do so, we cannot report you as delinquent without a lso re-
porting that you a re que stioning your bill. We must tell you the na
me of an yone to whom we reported you as delinquent, and we 
must let tho se organizations know when the matter has been set-
tled bet ween u s. If we do not fo llow all of the rules above, you do not ha
ve to pa y the f irst $50 of the a mount you que stion even if 
your bill is correct. 
Your Rights If You A re Dissatisfied with You r Credit Card Purchases. If 
you are dissatisfied with the good s or services that you ha ve pur- c
hased with your credit card, and you ha ve tried in good fa ith to cor- r
ect the p roblem with the merchant, you may have the right not to pa
y the remaining amount due on the pu rchase. To use this right, a ll of the fo
llowing must be t rue: 1. 
The pu rchase must have been made in your home state o r 
within 100 miles of your current mailing add ress, and the pu r- c
hase price must have been more than $50. (Note: Neither of the
se are necessary if your purchase was based on an ad
vertisement we mailed to you, o r if we own the company that 
sold you the good s or services.) 2. You 
must have used your credit card for the pu rchase. Pu r- c
hases made with cash advances from an A TM or with a 
check that a ccesses your credit card account do not qua lify. 3. You 
must not yet ha ve fully paid for the pu rchase. If a
ll of the criteria abo ve are met and you are still dissatisfied with the pu
rchase, contact us in writing at the abo ve add ress. While we 
investigate, the same rules apply to the d isputed a mount a s dis- c
ussed abo ve. Afte r we finish our investigation, we will tell you ou r de
cision. At that po int, if we think you owe an a mount and you do not pa
y, we may report you as delinquent. This notice app lies to an y borrower who is either:  (i) a member of the A
rmed Forces who is currently serving on a ctive dut y (unde r a 
call or order not less than 30 da ys), Active Gua rd or Reserve dut y 
f the Covered Member. 
Military Annu al Perce ntage Rate. Federal law provides important p
rotections to members of the A rmed Forces and the ir dependent s 
relating to e xtensions of consumer credit. In gene ral, the cost of 
consumer credit to a member of the A rmed Forces and h is or her dependent 
may not e xceed an annua l percentage rate of 36%. This 
rate must include, a s app licable to the credit transaction o r a
ccount:  the costs associated with credit insurance premiums; fee
s for ancillary products sold in conne ction with the credit t
ransaction; an y app lication fee charged (other than certain app
lication fee s for a credit card account); and an y participation fee 
charged (other than certain pa rticipation fee s for a credit card a
ccount). The Credit Union may adjust interest or fee s as ne
cessary in an y month in order to en sure that the annua l pe
rcentage rate doe s not e xceed 36%.  Payme
nt Obligation. You r payment ob ligation unde r your Credit 
Card Account is set fo rth in the Minimum Monthly Payment p
rovision (Section 4) of the Credit Card Agreement. Sec
urity Interest. 
Credit Union shares or depo sits pursuant to the Credit Card Ag
reement will not app ly your Credit Card Account. A security 
interest in shares or depo sits granted in conne ction with an y othe r 
credit card account, loan o r line of credit doe s not secure the Credit 
Card Account identified abo ve, in spite of an y provision that 
collateral securing one loan secures all of your othe r Credit Union ob
ligations. However, if you establish a depo sit or share account 
specifically in conne ction with your Credit Card Account, fund s depo
sited in that a ccount afte r you e stablish the Credit Card A
ccount a re subject to ou r security interest as set forth abo ve in the 
Credit Card Agreement. 
Credit Union Toll-Free Telephon e Number. Call (800) 368-9328 fo
r verbal information about the Military Annua l Percentage Rate and 
your payment ob ligation. 
You unde rstand and ag ree to the te rms and conditions in this Agree- m
ent and the Fair Credit Billing Notice. You a cknowledge that you ha
ve received a copy of this Agreement, the A ccount Discl osure, and the 
Fair Credit Billing Notice. This Agreement is a final expression of the ag
reement bet ween you and the Credit Union.