Credit Card Agreement and Truth-in-Lending 
                                                                      Disclosure 
                                                                     Updated 02.02.10 
          The purpose of this Agreement is to establish the terms and conditions of a Visa/MasterCard Line-of-Credit. You do not have to 
          sign the Agreement, but once you have accepted, signed or used the Card or the Account, you will have agreed to the terms and 
          conditions and the Agreement will be enforced. 
          The following definitions apply to the terminology used in the Agreement and on your monthly statement:  
           
          DEFINITIONS:  
          1. Account: The Visa Card and/or MasterCard credit account(s) approved for your use subject to the Terms and Conditions of 
           this Agreement. Includes Platinum cards.  
           2. Annual Percentage Rate: The cost of your credit at a yearly rate.  
           3. Billing Cycle: The time interval between regular monthly billing statement dates. This interval is considered to be equal if the 
           number of days in the cycle does not vary more than four (4) days from the regular date of the monthly billing statement.  
           4. Cash Advance: Credit extended by us to you in the form of a loan made when you present the Card to us or to any financial 
           institution honoring the Card, or made when you use any other credit instrument, device, �Special Check� (including convenience 
           checks), overdraft coverage plan or automated teller machine (ATM) we make available to you, including those of other financial 
           institutions that may honor the Card. A Service Fee is applied for each Cash Advance transaction that is processed on an 
           account. Please refer to the Credit Union Fee Schedule.  
           5. Card: Any Visa card(s) or Visa Platinum Card(s) and/or MasterCard(s) subject to this Agreement issued to you by us, or other 
           single credit device being used from time to time upon presentation to obtain money, property, labor, or services on credit. 
           �Card� is implied when you obtain credit by using your account number without the Card.  
           6. Cardholder: The person to whom a Card is issued upon the request or application of that person, or a person who has 
           agreed with us to pay obligations arising from the issuance of such a Card to another person.  
           7. Closing Date: The date of the last day of a Billing Cycle.  
           8. Credit Line: The maximum amount of credit available to you as set for the Account by us from time to time. 
           9. Finance Charge: The cost of credit extended to you on the Account resulting from applying a Periodic Rate to the Average 
           Daily Balances of Cash Advances and Purchases.  
           10. New Balance: The Account balance outstanding on the Closing Date. 
           11. Other Charges: Charges to your Account other than Cash Advances, Purchases, or Finance Charges.  
           12. Periodic Rate: The percentage rate of Finance Charges imposed against a balance for a period. In this Agreement a 
           �Monthly� Periodic Rate is used.  
           13. Previous Balance: The balance of the Account at the beginning of the Billing Cycle. (It is the same amount that was shown 
           as �New Balance� on the Closing Date on the statement for the preceding Billing Cycle.) 
           14. Purchases: Extensions of credit by us to you for Purchases through sellers and lessors of goods, labor, insurance and/or 
           services that honor your Card. 
           15. Secured Credit Card: A credit card for which the member has pledged their deposit account as collateral. 
           16. User: The person(s) authorized by a Cardholder to obtain credit under an Account whether named in an application as a 
           User, or otherwise.  
           17. We, Us, and Our(s): Quorum Federal Credit Union or anyone to whom the Credit Union transfers its rights under this 
           Agreement.  
           18. You or Your: Each person who applies for a credit card, signs this Agreement, or who uses the card card or duplicate credit 
           card.  
            
          AGREEMENT 
          1. Credit agreement: Submitting an application establishes your request for the issuance of the Card. Approval by the Credit 
          Union will establish the Credit Line. Approval shall be determined by the Credit Union, and this Credit Line will be drawn upon as 
          you utilize an issued Card.  
          2. Line-of-credit: A line-of-credit which can be used from time to time and which may be replenished by payment of amounts 
          previously drawn. The Credit Line will be repaid as follows: either the full amount billed shall be paid or, at your option, an 
          installment equal to at least the required minimum payment.  
          3. Receipt acknowledgment: Receipt of a copy of this Agreement is acknowledged by submitting an application, acceptance of 
          funds or use of the Card.  
          4. Variable rate APR: Your credit card is a variable rate credit card. The APR is determined by adding a margin to the prevailing 
          U.S. Prime Rate.  Margins are based on credit worthiness.  The APR may change quarterly (January, April, July, and October) 
          based on the Prime Rate. The U.S. Prime Rate is the highest rate appearing in The Wall Street Journal on the last publication 
          date of the calendar month that ends within that billing cycle.  Please refer to Credit Union Rate Sheet for current rates. 
          5. Finance charge/grace period: A finance charge (interest) charged on outstanding balances will be at the periodic rate per 
          month (refer to Credit Union Fee Schedule), on any outstanding balances that are not repaid within the allowable �grace period� 
          established by the Credit Union. Finance charges (interest) are calculated at the periodic rate per month on the average daily 
          principal balances of purchases and cash advances on the Account as disclosed in the Credit Union Rate Sheet. The annual 
          percentage rate is subject to change. The Credit Union will provide prior written notice of any such increase to the extent 
          required by law. Notice is not required, for instance, if the increase is associated with a variable rate feature and caused by a 
          change in the index. In order to avoid a finance charge on purchases made since the last statement date, the Total New Balance 
          shown on the statement must be paid by the due date disclosed on the monthly statement. Otherwise, finance charges on 
          purchases are calculated from the beginning of the next statement period on previously billed but unpaid purchases. Cash 
          advances are always subject to finance charges from the date they are posted to an Account. The Credit Union figures the 
          finance charges separately for purchases and cash advances on an Account by applying the applicable periodic rate set forth in 
                            2 Manhattanville Road | Suite 401 | Purchase | NY 10577 
                         800.874.5544 | 914.641.3700 | Fax: 914.641.3730 | quorumfcu.org 
           
                                           Credit Card Agreement and Truth-in-Lending 
                                                                      Disclosure 
                                                                     Updated 02.02.10 
          the Credit Union Rate Sheet to the �average daily balance� of purchases and to the �average daily balance� of cash advances 
          (including current transactions). To get each �average daily balance,� the Credit Union takes the beginning balance each day, 
          adds any new cash advances (if calculating the �average daily balance� for cash advances), and subtracts any payments or 
          credits. This gives the daily balance. Then, the Credit Union adds up all the daily balances for the billing cycle and divides the 
          total by the number of days in the billing cycle. This gives the �average daily balance.� Convenience checks are treated as cash 
          advances.  
          6. Comparative information: Comparative listings of credit card rates, fees and grace periods can be obtained from the 
          individual state banking offices.  
          7. Miscellaneous charges: The cardholder(s) is (are) responsible for any and all charges incurred. 
          8. Prepayment penalty: The cardholder(s) can repay any outstanding balance prior to maturity in whole or in part without 
          penalty.  
          9. Terms and conditions: The cardholder must comply with all of the terms and conditions established by the Credit Union 
          pertaining to the use of the Card. In the event the cardholder does not wish to comply with the foregoing terms and conditions for 
          any reason, the Card must be returned to the Credit Union, although the cardholder will remain liable for all existing charges.  
          10. Change in terms: The Credit Union must give the creditor 45 days notice of any material change in account terms.  The 
          cardholder may reject these terms, which will result in closure of the cardholder�s account.  The cardholder will remain liable for 
          all existing charges.  Regardless of whether the new terms are accepted or rejected, the Credit Union may apply the new terms 
           to any transactions that take place more than 14 days after the notice of change is given. 
           11. Credit worthiness: Credit worthiness is determined by your credit score and your payment history on your Quorum FCU 
           Credit Card,  
           12. Termination: In addition to any other rights granted in this Agreement or in law, the Credit Union may terminate this 
           Agreement under the following conditions:  
           a. Upon adverse reevaluation of credit worthiness. 
           b. Upon failure to comply with the terms of this Agreement. 
           c. At the Credit Union�s option if it has good cause. 
           If a line-of-credit is to be terminated by the Credit Union, the cardholder will receive written notice of such termination. Any such 
           termination shall not affect the obligation to pay any outstanding balance.  
           13. Changing or terminating an account: The Credit Union may change the terms of this Agreement or an Account from time 
           to time after giving any advance notice required by law and, to the extent required by law, providing the Cardholder with the right 
           to cancel. To the extent the law permits, and indicated in the notice, the change will apply to an existing account balance as well 
           as future transactions. Either the Credit Union or cardholder may terminate this Agreement at any time, but termination by either 
           party will not affect any obligation to pay the account balance plus any finance charges and other amounts owed under this 
           Agreement. The Card remains the property of the Credit Union and must be recovered and surrendered upon request or upon 
           termination of this Agreement. Failure to surrender the Card may result in a recovery fee.  
           14. Authorization for credit review: The Credit Union can obtain information concerning your creditworthiness from consumer 
           reporting agencies both now, and in connection with updates, renewals, and later credit extensions. The Credit Union will inform you 
           upon request whether a consumer report was requested, and if applicable, provide the name and address of the consumer reporting 
          agency that furnished the report. 
          15. Reapplication: A reapplication and approval by a loan officer may be required if:  
          a. The credit limit is increased, or  
          b. The terms of payment are extended beyond the terms of the original Agreement.  
           16. Security interest: To protect the Credit Union in the event of default, a security interest is pledged and granted against all 
           Credit Union account balances on which the cardholder is an account owner except qualified retirement accounts. Consent for 
           the Credit Union to apply funds that have a statutory protection to pay any such indebtedness may be withdrawn by notifying the 
           Credit Union in writing. If consent is withdrawn, the Credit Union may, in its sole discretion, terminate any and all services the 
          member has with the Credit Union. Additionally, the Credit Union is granted a security interest in any collateral, which have been 
          endorsed, delivered, and/or pledged to the Credit Union.  
          17. Late fee: A late fee will be charged as disclosed in the Credit Union Fee Schedule on the fifteenth (15th) day after the 
          payment due date. 
          18. Delinquency: If a loan becomes delinquent or past due, the Card may be revoked, unless the Credit Union determines that 
          extenuating circumstances have contributed to the delinquency. Under such circumstances, the Credit Union may, at its option, 
          approve continued use of the Card.  
          19. Default: The Account will be in default if a payment is not made of the amount required when it is due on any obligation to 
          the Credit Union. The Account will also be in default if the cardholder�s ability to repay is materially reduced by a change in 
          employment, bankruptcy or insolvency proceeding, or if the cardholder fails in any way to abide by this Agreement. The Credit 
          Union has the right to demand immediate payment of the full account balance if the cardholder defaults, subject to giving any 
          notice required by law. To the extent permitted by law, the cardholder will also be required to pay collection expenses, including, 
          but not limited to, court costs and reasonable attorney fees. Default on a Credit Union Account may cause any outstanding 
                            2 Manhattanville Road | Suite 401 | Purchase | NY 10577 
                         800.874.5544 | 914.641.3700 | Fax: 914.641.3730 | quorumfcu.org 
           
                                           Credit Card Agreement and Truth-in-Lending 
                                                                      Disclosure 
                                                                     Updated 02.02.10 
          balance to be treated as an unsecured loan and may be consolidated with an existing or preexisting Signature (Personal) loan.  
           
          20. Surrender of cards: Any and all Cards issued must be returned at the Credit Union�s request upon the happening of any of 
          these events:  
           
          a. Notice of termination of the Agreement as a result of reevaluation of creditworthiness.  
          b. Failure to comply with the terms of this Agreement including timely payments.  
          c. Use of the Card by persons other than those authorized under this application.  
          d. For any other cause for termination of the Agreement as contained herein.  
           
          21. Liability: Total liability to the Credit Union shall not exceed $50.00 for any Card transactions resulting from the loss, theft, or 
          other unauthorized use of the Card that occurs prior to the time notice has been given to the Credit Union. Such liability does not 
          apply when the Card is used to make an electronic fund transfer.  
          22. Loss or theft of card and liability for unauthorized use: If a Card or Personal Identification Number (PIN) is lost or stolen, 
          immediately notify the Security Department at (800) 449-7728. Cardholders may be liable, within legal limits, for the 
          unauthorized use of a Card. The cardholder will not be liable for unauthorized use that occurs after notifying the Credit Union of 
          the loss, theft, or possible unauthorized use. 
          23. Questions: Please let the Credit Union know right away if there are any questions about a statement or Account. If an error 
          is suspected, refer to �Your Billing Rights� included in this disclosure or that accompanies the statement. This explains rights to 
          dispute billing errors.  
          24. Monthly payment: Each month the cardholder must pay at least the monthly payment shown on the statement by the date 
          disclosed on the monthly statement. Payments may be made more frequently, more than the minimum payment, or the total new 
          balance in full. If extra payments or larger payments are made, the cardholder is still required to make at least the minimum 
          payment each month the Account has a balance. The minimum payment is $25.00 or 2% of the unpaid balance, whichever is 
          higher; or total balance if less than $25.00. In addition, at any time the total new balance exceeds the credit limit, the excess 
          must immediately be paid on demand.  
          25. Payment allocation: If different rates apply to different balances on the same credit card account, the portion of the 
          payment made towards the unpaid balance (after the minimum payment) will be allocated to the balance with the highest APR 
          first. 
          26. Responsibility: If the Credit Union issues a Card, the cardholder agrees to repay all debts and the finance charges arising 
          from the use of the Card and the Account. The cardholder is also responsible for charges made by anyone else to whom the 
          Card has been given, and this responsibility continues until the Card is recovered. The cardholder cannot disclaim responsibility 
          by notifying the Credit Union, but the Credit Union will close the Account to new transactions if requested and upon return of all 
          Cards. If either party closes the Account, the Card(s) must be surrendered to the Credit Union.  
          27. Using the Card: The Card issued may be used to make purchases from merchants and others who accept credit cards. In 
          addition, cash advances may be obtained from the Credit Union, from other financial institutions participating in the Visa or 
          MasterCard program, and from automated teller machines (ATMs) that provide access to the Visa or MasterCard system. A PIN 
          is required to obtain a cash advance from an ATM. The Credit Union is not responsible for the refusal of any merchant or 
          financial institution to honor the Card.  
          28. Returns and adjustments: Merchants and others who honor the Card may give credit for returns or adjustments, and they 
          will do so by sending the Credit Union a credit slip which we will post to the Account. If the credits and payments exceed what is 
          owed to the Credit Union, this credit balance will be held and applied against future purchases and cash advances, or if it is 
          $1.00 or more, we will refund it automatically after three (3) months.  
          29. Foreign transactions: Purchases and cash advances made in foreign countries and foreign currencies will be billed in U.S. 
          dollars. The conversion rate to dollars as well as foreign conversion fees, plus an International Service Assessment fee of 1% of 
          the international transaction amount, will be made as of the date the transaction is posted to the Account in accordance with the 
          operating regulations for international transactions established by Visa and MasterCard. 
          30. Effect of agreement/waiver: This Agreement is the contract which applies to all transactions on an Account even though 
          the sales, cash advances, credit or other slips signed may contain different terms. The Credit Union can delay enforcing any of 
          its rights any number of times without losing them.  
          31. Statements and notices: A statement will be sent each month showing transactions on an Account. The cardholder is 
          responsible for the minimum monthly payment even in the event the statement is late or returned to the Credit Union. 
          Statements and notices will be mailed/e-mailed to the most recent mailing/e-mail address given to the Credit Union.  
          32. The Credit Union may enforce its consensual security interest or setoff all or any part of the entire balance due 
          under this Agreement against any obligation the Credit Union may have, now or hereafter to pay money to the 
          cardholder. This includes:  
          a. Any deposit account balance with the Credit Union whether term, savings, checking or money management account; and 
          b. Any money owed on an item presented or in the Credit Union�s possession for collection or exchange; and  
                            2 Manhattanville Road | Suite 401 | Purchase | NY 10577 
                         800.874.5544 | 914.641.3700 | Fax: 914.641.3730 | quorumfcu.org 
           
                                           Credit Card Agreement and Truth-in-Lending 
                                                                      Disclosure 
                                                                     Updated 02.02.10 
          c. A repurchase agreement or any other non-deposit obligation. If the right to receive money from the Credit Union is also owned 
          by some other person who has not agreed to pay this debt (such as another depositor on a joint account), the Credit Union�s 
           right of setoff will extend to the amount of money which could be withdrawn or paid directly to the cardholder on request or 
           endorsement alone. In addition, where payment may be obtained only with the endorsement or consent of someone who has not 
          agreed to pay this debt, the Credit Union�s right of setoff will extend to the cardholder�s interest in the obligation. The Credit 
          Union�s right of setoff will not apply to an account or other obligation if it clearly appears that the cardholder�s rights in the 
          obligation are solely fiduciary for another, or to an account which, by its nature and applicable law (for example, an IRA or other 
          tax deferred retirement account), must be exempt from the claims of creditors.  
           
          The Credit Union�s right of setoff may be exercised upon default (except when prohibited by law): 
          a. Without prior demand or notice; and 
          b. Without regard to the number or credit worthiness of any persons who have agreed to pay this note. The cardholder will not 
          be liable for wrongful dishonor of a check, draft or other request for payment where there are insufficient funds in the Account (or 
          other obligation) to pay such request arising as a result of the Credit Union�s exercise of this right of setoff. The cardholder 
          agrees to hold the Credit Union harmless from the claims of any person arising as the result of our exercise of this right.  
           
          33. The cardholder also agrees to all of the following:  
          a. Transfer of Account: The Account cannot be transferred to any other person.  
          b. Change of address or other contact information: Advise the Credit Union promptly if there is a change in a mailing 
          address or other contact information. All notices and statements will be sent to the address/e-mail address as it appears on the 
          Credit Union records.  
          c. Credit reports: The Credit Union may make any credit, employment and investigative inquiries as deemed appropriate for the 
          extension of credit or collection of amounts owing on the Account. The information concerning the Account or credit file can be 
          furnished to consumer reporting agencies and others who may properly receive that information. The Credit Union�s Credit 
          Committee may review the loan file periodically, and they may investigate and reassess the cardholder�s credit worthiness.  
          d. Special hecks: If the Account is in good standing, the Credit Union may grant the privilege of using �Special Checks� (or 
          convenience checks) in connection with the Account. If so, the Special Checks may be used either to pay participating 
          merchants for goods and services, or to obtain advances of funds from participating financial institutions. Use of a Special Check 
          results in a cash advance, even when the Special Check is used to purchase goods or services. The terms of this Agreement 
          apply to Cash Advances obtained through the use of a Special Check as if the Cash Advance had been obtained solely through 
          the use of the Card. The Credit Union reserves the right at all times to decide whether to issue Special Checks, and to decide 
          how many Special Checks to issue. Also, the Credit Union may establish limits on the amount for which any Special Check or 
          group of Special Checks may be written. The cardholder agrees not to exceed the Credit Line. If a Special Check exceeds the 
          Credit Line or would cause the Credit Line to be exceeded, the Credit Union may refuse to honor it. The Credit Union may 
          terminate Special Check privileges at any time without notice. Special Checks may not be used to pay amounts owed on the 
          Account.  
        
          PLATINUM VISA POINTS PROGRAM (CURewards) 
          1. Every dollar in qualifying purchases, net of returns, you charge to your credit card account eligible in this Rewards Program 
          (�Program�) earns you one Point (�Point�) as provided for in these Rules. No points are earned for finance charges, fees, cash 
          advances, convenience checks, foreign transaction currency conversion charges, or insurance charges posted to the account. 
          Charges or transactions may be added to, or removed from, the above lists of eligible charges and transactions from time to time 
          at the sole discretion of the Program. Any questions as to what constitutes an eligible charge shall be resolved at the sole 
          discretion of the Program. Points for this Program begin to accumulate with purchases you make beginning on the first day of 
          the billing cycle in which your Program begins and ending on the last day of the last billing cycle of the announced duration of 
          your Program. Points earned from net purchases and point adjustments made between billing cycles will be deemed as earned 
          after being posted to your next monthly card statement. 
          2. Points will expire three years from the end of the calendar year in which they are earned, and will expire on a first-in, first-out 
          basis annually (i.e., points earned in calendar year one will expire on the last business day of calendar year four).  
          3. Points can be used to order the merchandise/travel awards described in the current brochure or the Program website, which 
          may be updated from time to time. You may select merchandise/travel awards from any level, subject to availability, as long as 
          you have the necessary number of Points posted to your account as of your previous month�s account statement. Point 
          requirements assigned to any award are subject to change from time to time without notice, and merchandise/travel awards may 
          be discontinued or substituted at any time. Award suppliers have agreed that, to the best of their ability, merchandise featured in 
          this Program will be available in sufficient quantities to meet expected demand. However, there may be instances in which 
          product demand exceeds supply, in which case the Program reserves the right to substitute a similar item of equal value or 
          withdraw the offer for that product. If it is not replaced you will be advised to make an alternate selection.  
          4. Accounts must be open and in good standing (not canceled or terminated by either party, not delinquent, over limit, or 
          otherwise not available to use for charges) at time of redemption. Awards are not available if you are in default under the Card 
          Agreement. The Credit Union reserves the right to suspend your participation in the Program until the account is in good 
          standing.  
                            2 Manhattanville Road | Suite 401 | Purchase | NY 10577 
                         800.874.5544 | 914.641.3700 | Fax: 914.641.3730 | quorumfcu.org 
           
                                           Credit Card Agreement and Truth-in-Lending 
                                                                      Disclosure 
                                                                     Updated 02.02.10 
          5. Merchandise will be shipped via a parcel delivery service or by the U.S. Postal Service and should arrive in four to six (4-6) 
          weeks after the order is received; otherwise, you will receive an acknowledgement stating the anticipated alternative delivery 
          date, except as noted on items shipped directly from the manufacturer. There will be no charge for Standard Delivery. Additional 
          shipping cost may apply to deliveries to Puerto Rico, Alaska and Hawaii. You will be notified of the additional cost. Shipments 
          cannot be made to a post office box or outside the United States. For more details on merchandise shipment limitations, please 
          refer to the merchandise section on the CURewards website. No international shipments are permitted. A street address and 
          home phone number are required to accept an order.  
          6. A product, which is received damaged or defective, may be returned to the shipper within ten (10) days of receipt for 
          replacement. All parts, instructions, warranty cards and original packaging materials must be returned with the product. 
          Instructions on how to return such damaged merchandise will be included with each shipment. Be sure to note any exceptions, 
          damages or shortages on the delivery receipt before signing to accept freight shipment delivery from the carrier. 
          7. The merchandise offered in this Program may be subject to standard manufacturers� warranties. Any warranty information will 
          accompany the merchandise shipment. The Program makes no warranty, express or implied, concerning the merchantability or 
          fitness for a particular purpose of products and/or services provided through this Program. Warranty claims must be directed to 
          the manufacturer.  
          8. Points have no cash value.  
          9. Points in this Program cannot be exchanged for cash or credit, may not be used with any other offer, promotion or discount, 
          cannot be combined with cash to obtain merchandise/travel awards, cannot be earned from or transferred to or combined with 
          any other credit card account�s points for redemption and cannot be used to pay off any obligation on your account.  
          10. The Participant�s periodic statement will normally include the number of points earned, subject to adjustment as provided for 
          in these Rules. Points will be deducted from the total points available for redemptions and for any returns or credits reflected on 
          the credit card account billing statement. Points deducted for credits to the account will be at the same rate at which the original 
          charges earned those points. Your credit card account may be charged for the actual cash difference between the cost of the 
          award redeemed and the net value of the actual points available for redemption in the event you should redeem unearned 
          Points. 
          11. Points may be forfeited due to Rules violations.  
          12. This Program is void where prohibited or restricted by law.  
          13. You are responsible for any federal, state or local income or other taxes or gratuities, if applicable.  
           14. You agree to hold the Credit Union, PSCU Financial Services, Inc. (PSCUFS), and any vendors associated with the 
          Program, as well as any credit card association that the Credit Union is a member of, totally harmless if the Credit Union fails to 
          meet its contractual and other obligations with PSCUFS which results in the Program being interrupted or terminated prior to 
          giving you the opportunity to redeem the Points or receive the merchandise/travel awards. Also, you agree to hold the Credit 
           Union and/or PSCU harmless if a vendor files for bankruptcy or otherwise goes out of business, after Points are redeemed for a 
           merchandise/travel award from the vendor but before you were able to receive the award.  
           15. Certain restrictions may apply to travel certificates, tickets and documents. Travel certificates, tickets and documents are not 
           exchangeable, refundable, transferable or redeemable for cash. All travel certificates, tickets and documents will be mailed first 
           class U.S. Mail and will not be replaceable in the event of loss, destruction or theft. You may request travel certificates, tickets 
           and documents to be delivered by overnight carrier and you agree to pay the associated additional delivery fees by credit card. 
           You are responsible for any applicable fees and taxes associated with travel redemptions.  
           16. This Program is available to credit card account holders (�you�) when the Credit Union: (i) has enrolled as a sponsoring 
           member of PSCUFS; and (ii) has contracted with PSCUFS for this Program for you. All Program Rule determinations by 
           PSCUFS are final. Your use of the credit cards following receipt of these Rules will indicate your agreement to comply with and 
           abide by these Rules.  
           17. The Program reserves the right to terminate the Program or portions thereof at any time without restriction or penalty. This 
           means that regardless of your level of activity in the program, the ability to accumulate points or claim awards can be terminated 
           with or without prior notice. The redemption value of Points already accumulated may be changed at any time without notice and 
           without restriction or penalty.  
           18. The list of airlines, hotels, rental car, cruise or tour companies and any other listed award available in the Program is subject 
           to change and may be discontinued in whole or in part without notice.  
           19. All travel awards are subject to specific terms and conditions. Unless otherwise noted, airline reservations must originate 
          from the contiguous forty-eight (48) United States. Airline reservations must be made twenty-one (21) days in advance of travel, 
          require a Saturday night stay and may have restrictions, blackout dates, and exclusions. The Program reserves the right to book 
          all airline tickets on the carrier with the lowest available fare for the round trip between the cities requested. Certificates have no 
          value except when used under the terms and conditions accompanying them. The terms and conditions of any travel offer may 
          be amended by the Program at any time. Certificates and tickets issued for airline travel must be issued in the name of the 
          redeeming credit card account holder (excluding authorized users). A complete list of terms and conditions is available on the 
          Program website or from the Credit Union. The Program is not responsible for the performance of the airlines of the ticketed 
          transportation associated with the Program. All reservations are made subject to the conditions of carriage, supply or business of 
          the party providing the service, which include exclusions and limitations of liability.  
                            2 Manhattanville Road | Suite 401 | Purchase | NY 10577 
                         800.874.5544 | 914.641.3700 | Fax: 914.641.3730 | quorumfcu.org 
           
                                           Credit Card Agreement and Truth-in-Lending 
                                                                      Disclosure 
                                                                     Updated 02.02.10 
          20. All travel awards are subject to the rules and restrictions imposed by the individual travel companies, airlines, hotels, rental 
           car, and cruise line and tour companies. Compliance with these rules is your responsibility. Airline ticket travel awards are not 
           refundable nor may they be returned to the Program for a credit of points to the original account. They are non-changeable 
           unless permitted by the airline issuing the ticket. Fees that apply due to permitted changes by the airline are the responsibility of 
           the traveler. En-route stopovers are not permitted unless they are to make direct connections within the carrier�s rules. Air travel 
           must be all on the same airline. Minimum or maximum stays required by the carrier may apply.  
           21. Issuance of some travel certificates does not constitute a reservation. In such cases the certificate holder is responsible for 
           making all reservations with the company that issues the certificate.  
           22. Every effort has been made to ensure that the information in the Program communications is accurate. The Program is not 
           responsible for errors or omissions and reserves the right to correct such errors at any time, even if it affects a pending award 
           redemption order.  
           23. The Credit Union may choose to add local additional rules and program opportunities at any time.  
           24. To see additional rules regarding certificate redemptions for airline tickets, cruises, car and hotel awards, please see the 
           travel section of the CURewards website or contact the Credit Union. These terms and conditions, combined with the General 
          Program Rules and Conditions (available at the CURewards website), and any local rules published by the Credit Union, 
          constitute the full set of Program Rules.  
          25. Final merchandise/travel award orders must be postmarked within the timeframe specified should the Program have a final 
           date in order to be valid for merchandise redemption. You should contact the Credit Union (�Sponsor�) for full details on eligibility 
           dates.   
           
           
                            2 Manhattanville Road | Suite 401 | Purchase | NY 10577 
                         800.874.5544 | 914.641.3700 | Fax: 914.641.3730 | quorumfcu.org 
           
                                           Credit Card Agreement and Truth-in-Lending 
                                                                      Disclosure 
                                                                     Updated 02.02.10 
          All Quorum Credit Cards (Platinum Visa, Ratewise Mastercard or Visa) 
           Interest Rates and Interest Charges 
           Annual Percentage Rate (APR) for  10.25% or 12.25% or 15.25% or 18% based on credit worthiness 
           Purchases, Balance Transfers and   
           Cash Advances 
           Variable Rate      Your APRs may vary. Your APR is determined by adding a margin to the prevailing U.S. 
                              Prime Rate*.  The margin for the variable APR for Purchases, Balance Transfers and Cash 
                              Advances is 7, 9, 12 or 15% based on your credit worthiness**.  The APR may change 
                              quarterly (Jan, April, July, Oct) based on the prime rate.  At no time will your rate be higher 
                              than 18%, the �ceiling rate.� 
           Paying Interest    Your due date is at least 25 days after the close of each billing cycle.  We will not charge you 
                              any interest on purchases if you pay your entire balance by the due date each month.  We 
                              will begin charging interest on cash advances and balance transfers on the transaction date. 
           Minimum interest charge  None 
           Method of computing the balance for  Average daily balance including new purchases 
           purchases 
           For Credit Card Tips from the  To learn more about factors to consider when applying for or using a credit card, visit the 
           Federal Reserve Board  website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.   
           Fees 
           Set-up and          
           Maintenance Fees    
           �  Account Set-up fee  $0 
           �  Annual fee      $0 
           �  Additional card fee  $0 
           �  Convenience Checks (3)  $0 
                                           rd
           �  Card Replacement Fee  $10 special instructions or 3  replacement 
           Transaction Fees    
            
           �  Purchases       $0 
           �  Balance Transfers  $0 
           �  Cash Advances   2% ($5 min/$25 max) 
           �  Foreign Transactions  Exchange rate plus 1% 
           Penalty Fees        
           �  Late payment fee  $25 
           �  Fee for returned payment  $25 
             (check or ACH) 
           �  Over-the-credit-limit fee  $0 
          How we will calculate your balance:  We use a method called �average daily balance (including new purchases).�  See your account 
          agreement for more details. 
          Billing rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your account 
          agreement. 
                                                                    th
          *The U.S. Prime Rate used to determine your APRs is the highest rate appearing in The Wall Street Journal on the 25  of the prior 
          calendar month that ends within that billing cycle.  
          **Your creditworthiness is determined by your credit score for new cards.    
           
        
                            2 Manhattanville Road | Suite 401 | Purchase | NY 10577 
                         800.874.5544 | 914.641.3700 | Fax: 914.641.3730 | quorumfcu.org