. )  OSU Federal 

.... 

'fgy[ Community Crealt Union' 

PO ~.Q~ ~06· (0",.,11", O~ 9~~"9-0.K<> 
$00-73.2-0173· o,,,fed"ral.mm 

CREDIT CARD AGREEMENT 

IN THIS AGREEMENT,  "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS Ti-U$AGREEMENT  OR  USES THE CARD  THE "CARD" MEANS.ANY CREDIT CARD ISSUED TO you OR  THOSE 
DESIGNATED 8YYOU UNDER THE TERMS OF 'HiSft.GREEMENT 'WE", "US", "OUR" AND THe:  "CREDI,  UNiON" ME.~NS OSU FEDERAL. YOUR  COMMUNiTY CREOlT UNION Of, ITS SUCCESSORS 

SECURITY: YOU SPECIFICALLY GRANT US A  CONSENSUAL 
SECURITY INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS 
YOU HAVE WITH US NOW AND IN THE FUTURE TO  SECURE 
REPAYMENT OF CREDIT EXTENDED UNDER THIS AGREEMENT. 
YOU ALSO AGREE THAT WE HAVE SIMILAR STATUTORY LIEN 
RIGHTS UNDER STATE ANDIOR FEDERAL LAW. THE GRANTING OF 
THIS SECURITY INTEREST IS A  CONDITION FOR THE ISSUANCE OF 
CREDIT UNDER THIS AGREEMENT. IF YOU ARE IN DEFAULT, WE 
CAN APPLY YOUR SHARES TO  THE AMOUNT YOU OWE.  Shares and 
deposits in  an  Individual Retirement Account or any other account that 
would lose special tax treatment under state or federal  law if given are not 
subject to this security interest 

If you have  other loans with us, collateral securing such loans may also 
secure your obligations under this Agreement,  unless that other collateral 
is your principal residence or non-purChase money household goods. 

Acceptance of Card. If you sign an application for the OSU Federal Visa 
credit card. or sign or use any card(s) issued. or use or allow others to 
use your Account, you and they will have accepted this Agreement just 
as if you and they signed it and you and they, jointly and severally, will 
be bound by the terms and conditions. 

Using Your Card. You  can  purchase or lease goods and services from  any 
merchant who honors your Card, and you may obtain cash advances from 
financial institutions and ATM machines that accept the CareL  up to  your 
maximum credit limit. You  may withdraw up to 5500 per day.  For purposes of 
determining whether you  have reached your 5500 limit, a day ends at 12:00 
midnight and Saturday and  Sunday together wi!! be deemed one day. You 
agree  nol to present your Card or obtain a cash advance for any extension of 
credit in excess of your available credit limit. Transactions that wou!d exceed 
your credit !imit wi!! not be honored. Certain purchases and  cash advances 
require authorization prior to completion of the transaction.  In  some cases, 
you may be asked to  provide identification. If our system  is not working, we 
may not be ab!e to authorize a transaction, even though you  have sufficient 
credit available. Also, for security reasons, we  may block the use of your Card 
in  certain countries or geographic areas. We wi!!  have no liability to  you  or 
others if any of these events OCCUL 

Personal Identification Number (PIN). We may issue a  Personal 
Identification Number (P!N) for use with your Card. This PIN is confidential 
and  should not be  disclosed to anyone. You  may use your PIN and your Card 
to  access your account, and  aU  sums advanced wi!! be added to your account 
balance.  In the event a  use of your PIN constitutes an  Electronic Funds 
Transfer. the terms and conditions of your Electronic Funds Transfer 
Agreement may affect your rights. 

Promise To Pay. You  promise to pay us in U.S. doBars for (a) an  purchases, 
cash advances, and balance transfers made by you or anyone whom you 
authorize to use the Card; (b) aU  Interest Charges and  all  other charges or 
fees: (c) collection costs and attorney's fees as permitted by applicable law, 
and any costs incurred in the recovery of the Card; and (d) credit in excess of 
your credit limit that we may extend to you. 

JIIegal  Transactions. You  agree that your Card and  account wll! not be used 
to make or facilitate any illegal transactions as determined by applicable law: 
and that any such use wi!! constitute an event of default under this 
Agreement. We may decline any transaction that we believe to be megal 
under applicable law,  including  but not limited to any transaction involving or 
relating to any gambling activity. You  agree that we will have no liability or 
responsibility for any such use by you or any authorized user(s}: or for 
declining any such transaction. You  further agree to  indemnify and  hold us 
harmless from  any suits.  liability, damages or adverse action of any kind  that 
results directly or indirectly from such iIlega! use. You  promise to pay us any 
and all  amounts owing on your Card for any transactions made  by  you. even 
if the transaction is determined to  be illegal. 

Joint Accounts. Each of you wi!!  be responsible. jOintly and severally. for the 
repayment of amounts owed,  regardless of who initiated any transaction 
under the account. 

Others Using Your Account.  If you allow anyone else to  use your account, 
you will be  liable for aU  credit extended to  such persons.  You  promise to pay 
for all purchases and advances made by anyone you authorize to  use your 
account. whether or not you  notify us that he or she wi!! be using it.  !f 
someone else is authorized to use your account and you want to  end that 
person's privilege. you must notify us in writing, and  if he  or she has a Card. 
you must return that Card with your written notice for it to be effective. 

Ownership of Card. Your Card remains our property and  may be cancelled 
by  us at any time without notice. You  agree to  surrender your Card and to 
discontinue  use of the account immediately upon our request. 

Interest Charges. Average Daily Balance including new transactions: 
Interest Charges will accrue on  your average daily balance outstanding during 
the month. To  get the average daily balance, we take the beginning balance 
each day, add  any new purchases, cash advances,  balance transfers or  other 
advances. and Sllbtract any payments.  unpaid  interest charges, and unpaid 
late charges. This gives us the daily balance. Then. we add up all  the daily 
balances for the billing cycle and divide that by the number of days in the 
billing cycle.  We then multiply that by the periodiC rate corresponding to the 
Annual  Percentage Rate on your account.  If you have different rates for 
purchases, cash advances or balance transfers, separate average daily 
balances for each wi!!  be calculated and the appropriate  periodic rate  is then 
applied to each. 

Grace Period on Purchases Only: You can avoid  Interest Charges on 
purchases by paying the  full  amount of the new balance for purchases each 
month by the date on which the payment is due.  Otherwise, the new balance 
of your account, and subsequent advances from  the date they are posted to 
the account. wi!!  be subject to  an  Interest Charge, You  cannot avoid  Interest 
Charges on  cash  advances and  balance transfers: even if you pay the entire 
cash advance balance or balance transfer balance by the payment due date. 
you will incur the  Interest Charges accrued from the date the cash advance or 
balance transfer is posted to  your account. 

Fees. In  addition to  the  Interest Charges set forth  above, you  agree to also 
pay any and aU  fees  that you incur as disclosed to you on your Truth-in 
Lending  Statement or similar disclosures (as may be amended from  time to 
time), or as disclosed to  you  during the term of your Card. 

If Your Card is Lost or Stolen or IT an Unauthorized Use Occurs. You 
agree to  notify us immediately jf your Card  is ever lost or stolen or if an 
unauthorized use may have occurred.  "Unauthorized use" means the use of 
the Card by someone other than you who does not have actua!. implied or 
apparent authority for such use,  and from  which you receive no benefit. The 
telephone number to call is (541) 714-4000. You  agree to follow up your call 
with notice in writing to  us at OSU Federal. Your Community Credit Union, 
PO Box 306, Corvallis. OR 97339-0306. You  also agree to assist us in 
detennining the facts,  circumstances and other pertinent information relating 
to any loss, theft or possible unauthorized use of your Card and  comply with 
such procedures as we may require in connection with our investigation. You 
wi!!  be  liable for any unauthorized  use only if we can prove that you were 
grossly negligent in  your use or handling of your Card, or if we can prove that 
you used your Card fraudulently. 

Minimum Payment Due; Crediting of Payments. Payments are due in the 
amount and on the date disclosed on your billing statement. Payments 
received at:  PO  Box 306. Corvallis, OR 97339-0306 at  or before 5:00 PM 
Pacific Time on the date the payment is due wil! be credited to  your Account 
as of that date; payments received  by  mail at that address after 5:00 PM 
Pacific Time. on a  weekend or federal holiday wil!  be posted to your Account 
as of the next business day.  If payment is  made at any location other than the 
address designated on the periodic statement.  credit for such  payment may 
be delayed up to five (5) days. You  agree that you will pay each month not 

9011  LASER 1'"IS  FI159311'·201' 

page 1 of 3 

COPYRIGHT 2009 SeC!.lI1an  FinanCial Group.lne  Ail r:ghlS reservec 

iN  THIS AGREEMENT. "YOU» AND '"YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD.  THE  "CARD"  MEANS ANY  CREDIT CARD ISSUED ,0 YOU 0.'<  THOSE 

DESIGNATED BY YOU  UNDER THE TERMS OF 'HtS.-'lGREEMENT. ··WE". ··US··.  "OUR"  AND THE  "CREDIT UNION" MEANS OSU  FEDERAL,  YOUR COMMUNIW CREDIT UNION OR  ITS SUCCESSORS 

less than the minimum monthly payment on  or before the scheduled  monthly 
due date. The minimum  payment is disclosed on the Truth-in-Lending 
Statement and may change from  time to  time upon notice to  you in 
accordance with applicable  law. You  may pay in  fun  for all  your purchases and 
cash advances each  month. or you may repay in monthly installments. The 
minimum payment may be allocated  at the Credit Union's discretion to payoff 
lower rate balances. such as promotional offers.  before higher rate balances, 
such as cash advances or purchases.  Payments in  excess of the  minimum 
payment will be allocated first to  higher rate balances, as applicable.  From 
time to time, we may allow you  to  skip your minimum monthly payment due.  If 
you choose to skip that payment Interest Charges will continue to accrue in 
accordance with this Agreement.  If you pay in excess of the  total outstanding 
balance on  your card. the excess wil! be  transferred back to the  source from 
which the funds came from  rather than showing a credit to  your account. 

Default; Acceleration;  Credit Suspension; Collection Costs. You  will be in 
default if: (1) you fail to make any payment on  time:  (2) if you fail to keep any 
promises you have made under this Agreement or under other Agreements 
you have with us:  (3) if you die;  (4) if you  file a petition  in  bankruptcy or have 
a bankruptcy petition filed  against you,  or if you become involved in any 
insolvency, receivership or custodia! proceeding; (5) if anyone attempts to 
take any of your funds held by us via legal process or if you have a judgment 
or tax lien filed  against you; (6) if you make any false, inaccurate, or 
misleading statements in any credit application or credit update:  or  (7)  if we, in 
good faith.  believe that your ability to repay what you  owe is or soon will be 
impaired, or that you are unwilling to make your payments. 

If you  are in  default. we have the right to demand  immediate payment of your 
full  account balance without giving you notice.  If immediate payment is 
demanded, you agree to  continue  paying interest charges and  fees  until what 
you owe has been paid, and  any shares that were given as  security for your 
account may be applied towards what you  owe. You  agree to  pay all 
reasonable costs of coUection,  including  court costs and attorney's fees.  and 
any costs incurred in the recovery of the Card, subject to  applicable law.  Even 
if your unpaid balance is less than your credit limit you wi!! have no credit 
available during any time that any aspect of your account is in  default. 

Additional Benefits/Card Enhancements. We may from time to time offer 
additional services to your Account at no additional cost to you. You 
understand that we are not obligated to offer such services and may withdraw 
or change them  at any time. 

Convenience Checks, We  may, at our discretion,  issue checks to you which 
may be  used for any purpose other than making a payment for credit to  your 
account.  By signing such check, you authorize us to pay the item for the 
amount indicated and  post such amount as a cash advance to  your account. 
We do not have to  pay any item which would cause the outstanding  balance 
in your account to exceed your credit limit. 

Credit Information. We  may from  time to time request persona! information 
from  you  or obtain credit reports from  the credit reporting agencies for the 
purpose of updating your credit status. Your failure  to  provide such 
information when requested  by us may result in suspension of credit 
privileges under this Agreement including  your ability to  obtain  any future 
advances by any means. You  authorize us to investigate your credit standing 
when opening or reviewing  your account. You  authoriZe us to  disclose 
information regarding  your account to  credit bureau and creditors who inquire 
about your credit standing. 

Foreign Transactions; Currency Conversion. Purchases and  cash 
advances made in  foreign  currencies will be billed to you in  U.S. dollars. The 
conversion rate in dollars wi!!  be a rate selected  by the card  company from  a 
range  of rates available in wholesale currency markets for the  applicable 
central processing date, which rate may vary from  the rate the card company 
itself receives, or the  govemment-mandated rate in effect for the applicable 
central processing date in each  instance. All transactions processed outside 
of the  United States (which may include internet transactions) will be charged 
a foreign  transaction fee in the  amount disclosed on  your Truth-in-lending 
Statement (as amended from  time to time). 

Termination;  Change~in-Terms. We  may. by written notice, terminate this 
Agreement at any time. subject to applicab!e law.  You  may terminate this 
Agreement by written  notice. Termination by either party shall not affect your 
obligation to repay any balance on  your account resulting  from  use of the 
Card as well  as Interest Charges and fees incurred. We may change  the 
terms of this Agreement, including the method  of calculating the periodic rate. 
at any time, by written notice, subject to applicable law. Use of the  Card 
constitutes agreement and  acceptance of any change in terms. unless 
applicable law requires otherwise. Our failure to exercise any of our rights or 
to take any  action shall not constitute a waiver of those  rights.  or an 
amendment or change in any of the terms of this Agreement. 

late or Partial Payments. Any payment that delays the reduction of your 
balance will increase your total interest costs. Partial payments or 
prepayments will not delay your next scheduled payment - you will  still need 
to make the minimum scheduled payment by the next scheduled due date to 
keep  your account current. We  may accept late payments. partia! payments. 
checks or money orders marked  "payment in  full" and  such  action shall no! 
constitute final  settlement of your account or a waiver or forgiveness  of any 
amounts owing under this Agreement. 

Enforcement. We do not lose our rights under this or any related  agreement 
if we delay enforcing them.  If any provision of this or any related  agreement is 
determined 10  be unenforceable or invaHd,  all  other provisions remain  in full 
force  and  effect. 

Returns and Adjustments. Merchants and  others who honor the  Card  may 
give credit for returns or adjustments. and they will do so by  submitting a 
credit slip which will be  posted to your account If your credits and  payments 
exceed what you owe us,  the amount will be applied against future  purchases 
and  cash advances.  If the credit balance  amount is $1  or more.  it wi!!  be 
refunded upon your written or verbal request. 

Plan Merchant Disputes. We  are not responsible  for the refusal of any plan 
merchant or financial institution to  honor your Card. Also, we  are not 
responsible  for goods or services that you  purchase with the  Card unless: (a) 
your purchase was made in  response  to  an advertisement we  sent or 
participated  in  sending you;  or (b)  your purchase cost more than S50 and was 
made from  a plan merchant in  your state or within  100 miles of your home: 
and  only jf you have made a good faith  attempt, but have been unable to 
obtain satisfaction from the  plan merchant. You  must resolve all other 
disputes directly with the plan merchant. We do not warrant any merchandise 
or services purchased by you with the  Card. 

Statements and  Notices, Statements and  notices will be mailed to you at the 
most recent postal address or e-mail address Of  you  have elected to  receive 
such documents via electronic means) you have given us. Notice sent to any 
one of you will be considered  notice to all. 

Notification  of Address Change_ You  will notify us promptly if you change 
your address for any reason.  In  order to prevent identity theft.  your identity 
may need to be  verified before we act upon the notification. 

Copy Received. You  acknowledge that you have received  a copy of this 
Agreement. 

Governing law. This Agreement shaH  be  construed  under federal  Jaw and 
state law in the state jn  which we  are primarily located.  and the venue shall be 
located in  the  county and  state in which we  are  primarily located. Operating 
regulations of Visa  may also apply.  This Agreement is  the  contract that 
applies to all transactions even though the sales. cash advance, convenience 
check.  credit or other slips you sign or receive may contain different terms. 

page 2 of 3 

YOUR BILLING RIGHTS· KEEP  THIS NOTICE FOR FUTURE  USE 

This notice tells you about your rights and our responsibilities under the 
Fair Credit Billing Act. 

What To  Do If You Find A Mistake On Your Statement 

!f you  think there  is an error on your statement. write to  us at the  address(es) 
listed on your statement. 

!n your letter. give us the following information: 

1.  Your name and  account number. 
2.  The dollar amount of the suspected error. 
3.  !f you think there is an error on your bill, describe what you believe is 

wrong and why you believe it is  a mistake. 

You  must contact us: 

Within 60 days after the error appeared on your statement. 

•  At least 3 business days before an automated payment is  scheduled,  if 

you want to  stop payment on the amount you think is wrong. 

You  must notify us of any potentia! errors in writing. You  may cal!  us, but if you 
do, we are not required to investigate any potential errors and you may have 
to pay the amount in  question. 

What Will Happen After We Receive Your Letter 

When we receive your letter, we must do two things: 

1.  Within 30 days of receiving your letter, we must teU  you that we received 
your retter.  We wi!! also tel! you if we have already corrected the error. 
2.  Within 90 days of receiving your letter, we must either correct the error or 

explain  to you why we believe the bi!!  is correct. 

While we investigate whether or not there has been an error: 

We cannot try to  coHect the amount in  question.  or  report you as 
delinquent on that amount. 
The charge in question may remain on your statement and  we may 
continue to charge you interest on that amount. 
While you do not have to pay the amount in  question, you are responsible 
for the remainder of your balance. 
We can  appry any unpaid amount against your credit limit. 

After we finish our investigation, one of two things will  happen: 

If we made a mistake: You will not have to pay the  amount in questlon or 
any interest or other fees related to that amount. 
If we do not believe there was a mistake: Vou  will have to  pay the amount 
in question. along with applicable interest and fees.  We will send  you  a 
statement of the amount you owe and the date  payment is due. We may 
then  report you as delinquent if you do not pay the amount we think you 
owe. 

If you receive our explanation but still believe your bill is wrong. you  must 
write to  us within  10 days telHng  us that you  still refuse to pay.  If you  do so, 
we cannot report you as delinquent without also reporting that you  are 
questioning your bill. We must leU you the name of anyone to whom we 
reported you as delinquent,  and we must let those organizations know when 
the matter has been settred  bet\Neen  us . 

If we do not follow aU  of the rures above. you do not have to  pay the first $50 
of the amount you question even if your bi!!  is  correct. 

Your Rights If You Are Dissatisfied With  Your Credit Card  Purchases 

rf you are dissatisfied with the goods or services that you have  purchased with 
your credit card, and you have tried in  good faith to correct the  probrem with 
the merchant, you may have the right not to  pay the remaining amount due on 
the  purchase. 

To  use this right all of the  following must be true: 

1. The purchase must have been  made in your home state or within  100 

miles of your current mailing address. and the purchase price  must have 
been more than $50.  (Note:  Neither of these are necessary jf your 
purchase was based on an advertisement we mailed to you,  or if we own 
the company that sold  you the goods or services.) 

2. You  must have used  your credit card  for the  purchase. Purchases made 
with cash advances from  an ATM  or with a check that accesses your 
credit card account do not qualify. 

3.  You  must not yet have fuUy  paid for the purchase. 

rf all  of the criteria  above are met and you  are still dissatisfied with  the 
purchase,  contact us in writing  at the address(es) listed on your statement. 

While we investigate, the same rules  apply to the disputed amount as 
discussed above. After we finish our investigation. we will lell you  our 
decision. At thaI point,  if we think you  owe an amount and you do not pay. we 
may report you as delinquent. 

page 3 of 3. 

-(e') OSU Federal 

..... 

Your Community Credit Union' 

PO &!~ JQf;. COrY3!HS. OR ?7339-03lY.5 
SOO·732-0173· osufederaL.::om 

IMPORTANT CREDIT CARD DISCLOSURES 

The following disclosure represents important details concerning your credit card.  The information about costs of the card are 
accurate as of 
occurred since the effective date. 

. You can contact us toll free at the number or address above to inquire if any changes 

0110912013 

INTEREST RATES and INTEREST CHARGES: 

VISA Rewards 

VISA Value 

Annual Percentage Rate (APR) 
for Purchases, Cash Advances, 
&  Balance Transfers 

Paying Interest 

9.25%  - 14.25% 
depending on your credit history. After that,  depending on your credit history. After that, 
this APR will  vary with the market based 
on the Prime Rate. 

this APR will  vary with the market based 
on the Prime Rate. 

6.75%  - 16.75% 

Your due date is approximately 30  days after the close of each  billing cycle.  We will  not 
charge you interest on  purchases if you  pay your entire new purchase balance by the 
due date each  month. We will  begin charging interest on  cash advances and balance 
transfers on the transaction date. 

For Credit Card Tips from the 
Consumer Financial 
Protection Bureau 

To learn more about factors to consider when applying for or using a credit card.  visit 
the website of the Consumer Financial Protection  Bureau at 
htlp:llwww,consumeriinance,govllearnmore 

FEES: 

Fees to Open or Maintain your 
Account 

- Annual  Fee: 
- Application  Fee: 

$25,00 for Visa Rewards*;  None for Visa Value 
None 

Transaction Fees 

- Transfer Fee: 
- Foreign Transaction: 

Penalty Fees 

- Late Payment: 

$4,00 if an  overdraft on  your checking account is transferred to this Line of Credit**. 
Up to 1% of each transaction  in  U.S. dollars if the transaction involves a currency 
conversion 
Up to 1% of each transaction  in  U.S.  dollars if the transaction does not involve a 
currency conversion 

$25,00 or your minimum payment required,  whichever is less.  Balances of $25,00 or 
less must be paid in full 

How We Will Calculate Your Balance: We use a method called "average daily balance (including  new purchases)." 
*May be reduced or waived depending on your Member Merits category. See Service Fees for criteria  for each category. 
**May be waived or reduced for members in the Enhanced and Premier Member Merits categories.  See Service Fees for 
criteria for each category. 
QU,-e...r  F~es: In  addition to the fees disclosed above, the following fees may be imposed: 
Research and Copying: If you ask us to  examine your account or provide copies of documents, except in resolution of a 
billing error. we may charge you $5.00 for each copy of your statement, $5.00 for each copy for any other document you may 
request and $25.00 per hour for the research. 
Replacement Card Fee: AS5.00 charge  per card will be imposed on each replacement card you request,  regardless of 
reason. 
ATM Withdrawal Fee: There is a $1.50 fee for withdrawals at ATMs not owned by the Credit Union. 
A TM Fees: If you use an A TM to obtain a cash advance and the ATM is not operated by us,  you may be charged an A TM 
surcharge by the ATM operator or ATM Network utilized for such transaction. The ATM surcharge may be charged to  your 
account if you elect to complete the transaction. 
The Credit Union reserves the right to impose additional service charges in  the future after giving you  notice of such service 
charges. 

90C9LPSER FIS F115929 Rev  10-2012 

COPYRIGHT 2CGS Secunan FinanCial GrouP.  Inc. All  rights reserved