CAP  COM Financial  Center  
4 Winners Circle  Albany, NY 12205 
  (800) 634-2340fax (518) 458-2261 
www.capcomfcu.org 

CREDIT CARD ACCOUNT AGREEMENT AND FEDERAL DISCLOSURE STATEMENT 

THIS  IS  YOUR  CREDIT  CARD  ACCOUNT  AGREEMENT  AND  IT  INCLUDES  NECESSARY  FEDERAL  TRUTH-IN-LENDING  DISCLOSURE  STATEMENTS,  VISA 
CLASSIC, VISA CLASSIC SECURED, AND VISA PLATINUM AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS  REGARDING THE  USE OF YOUR VISA CLAS SIC, 
VISA CLASSIC  SECURED,  AND  VISA  PLATINUM  CREDIT  CARDS,  AND/OR  ANY  OTHER  ACCOUNT  ACCESS DEVICE. PLEASE BE  CERTAIN  TO  READ  THIS  

AGREEMENT CAREFULLY AND  NOTIFY US AT  ONCE IF ANY PARTS ARE UNCLEAR. 

DEFINITIONS. In this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean CAPITAL COMMUNICATIONS FEDERAL CREDIT UNION. The words "You" 
and "Your" mean each person accepting this Agreement or who uses the VISA Classic, VISA Classic Secured or VISA Platinum Cred it Card. If this is a joint Account, read 
singular pronouns in the plural. The words "Card" and "Cred it Card" mean any VISA Classic, VISA Classic Secured or VISA Platinum Credit Card issued to You by Us  and 
any duplicates or renewals. The word "Account" means the VISA Classic, VISA Classic  Secured or VISA Platinum Credit Card esta blished for You under thi s Agreement. 
"Convenience Checks" mean the special Account access devices that We may provide for Your use from time to time.  

PROMISE  TO  PAY.  You  understand  that  the  following terms  and  conditions 
constitute Our  Agreement with You. Your Account may be accessible through a 
variety  of  means  which  could  include  vouchers,  checks,  charge  slips, 
Convenience  Checks,  Credit  Cards  and  the  like.  Regardless  of  the  access 
means, You promise to pay Us  all amounts charged to Your Account by You or 
by  any user  who has  access  to  Your Account, with actual, apparent or implied 
authority for use  of Your Account, including Finance Charges and other fees or 
charges described herein. 

USE OF YOUR CARD.  You may use Your Card to buy goods and services in any 
place  that  it  is  honored  and  to  get  cash  advances  at  participating  financial 
institutions. You agree not to use Your Card for illegal transactions including, but 
not limited to, advances made for the purpose of gamb ling and/or wagering where 
such practices are in violation of applicable state and/or federal law.  

SECURITY.  Collateral (other  than household goods  or  any dwelling) given as 
security  under this Agreement or for  any other loan You may have with Us  will 
secure  all amounts You owe Us  now and in the future if that status  is  reflected 
in  the  "Truth-in-Lending Disclosure"  in  any  particular  Agreement evidencing 
such  debt. 

CONSENSUAL LIEN ON SHARES. You grant and consent to  a lien on  Your 
shares w ith Us (except for IRA and Keogh accounts) and any div idends due 
or to become due to You from Us to the extent You ow e on any unpaid Credit 
Card balance. 

LINE  OF  CREDIT  LIMITS.  You will be notified of each specific  Credit Limit for 
each Credit  Card  for  which You are  approved.  Unless  You are  in default, any 
Credit  Limits  established  for  You  will  generally  be  self-replenishing  as  You 
make  payments. 

You will keep Your unpaid balance within Your Credit Limit set by Us,  and You will 
pay any amount over Your Credit Limit on Our demand whether or not We authorize 
the advances which caused You to exceed Your Credit Limit. Even if Your unpaid 
balance is less than Your Credit Limit, You will have no credit available during any 
time that any aspect of Your Account is in default. 

JOINT  ACCOUNTS.  Each Borrower will be responsible, jointly and severally, for 
the repayment of any amounts owed. If  any Account access  device, such  as  a 
Personal Identification Number (PIN) is requested and approved, You understand 
that any such Account access device(s) will be mailed only to the primary Borrower 
at the address that We have on file for You. We may refuse to follow any instructions 
which run counter to this provision. 

ACCOUNT  RESTRICTIONS.  In  order  to  receive  and maintain a  VISA  Classic 
Secured Credit Card, You agree to give Us a specific pledge of shares which will 
equal Your Credit Limit. In the event that You default on Your VISA Classic Secured 
Credit Card, We may apply these shares toward the repayment of any amount owed 
on such Credit Card. You may cancel Your VISA Classic Secured Credit Card at 
any time by paying any amounts owed on that Credit Card. To be certain that Your 
entire balance and all advances on Your Account are paid, any shares pledged may 
not be available to You for 30 days after You have cancelled and any outstanding 
balance is paid in full. 

MINIMUM MONTHLY PAYMENTS  (PAYMENT  SCHEDULE).  Though You need 
only pay the Minimum Monthly Payments, You understand that You have the right 
to repay  at any time without penalty. You also understand that You will only be 
charged periodic Finance Charges to the date You repay Your entire balance. You 
may make larger payments without penalty. Any partial payment or prepayment will 
not delay Your  next scheduled payment. All payments to Us  must  be  in lawful 
money of the United States. As permitted by law, We may apply payments at Our 
discretion. Any unpaid portion of the Finance Charge will be paid by subsequent 
payments and will not be added to Your principal balance. You understand that any 
delay in the repayment of Your unpaid balance will increase Your periodic Finance 
Charges  and  any  acceleration  in  the  repayment  of  Your  unpaid  balance  will 
decrease Your periodic Finance Charges. 

VISA Classic, VISA Classic Secured and VISA Platinum Minimum Payments will be 
an amount equal to 2.00% of Your new unpaid VISA Classic, VISA Classic Secured 
or VISA Platinum balance at the end of each billing cycle, subject to the lesser of 
$25.00 or Your balance, plus any portion of the M inimum Payments shown on prior 
statement(s) which remains unpaid. 

You may, by separate agreement, authorize Us to charge Your payment directly to 
Your share or share draft account. 

FINANCE  CHARGES.  In the case  of any  transactions under Your Account, the 
balances subject to the periodic Finance Charge are the average daily transactions 
balances outstanding during the month (including new transactions). To get the 
average daily balance, We take  the  beginning balance each day, add any new 
purchases, balance transfers, cash advances, debit adjustments or other charges 
and subtract any payments, credits and unpaid Finance Charges. This gives Us the 
daily balance. Then, We add up all the daily balances for the billing cycle and divide 
them by the number of days in the billing cycle. The Finance Charge for a billing 
cycle is  computed by multiplying the average daily balance subject to a Finance 
Charge by the Monthly Periodic Rate. 

You can avoid Finance Charges on purchases  by paying the full amount  of the 
entire balance owed each month within 25 days of Your statement closing date. 
Otherwise, the new balance of purchases, and subsequent purchases from the date 
they are  posted to  Your Account, will be subject to a Finance Charge. Balance 
transfers and cash advances are always subject to a Finance Charge from the later 
of the date they are posted to Your Account or from the first day of the billing cycle 
in which the cash advance is posted to Your Account. 

For  the  current  Monthly  Periodic  Rate  (and  the  corresponding  Annual  
Percentage  Rate)  for  Your  Account,  refer  to  the  separate  page  titled 
"Additional  Disclosure  -  Federal  Truth-In-Lending  Act"  w hich  has  been 
prov ided in conj unction w ith Your Card. 

LATE  CHARGE. If Your payment is 10 or more days late, You will be charged the 
lesser of: (a) the amount of the minimum payment due; or (b) $25.00.   

RETURNED  PAYMENT  FEE. You will be charged a fee for any check (or  other 
negotiable instrument used for payment) which is return ed unpaid. The amount of 
the fee will equal the lesser of: (a) $10.00; or (b) the required minimum payment 
amount for the returned payment.  

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OTHER  FEES AND CHARGES. You will be charged the following fees associated 
with the use of Your Card: (a) $5.00 for each replacement Card You request; (b) 
$2.00 for each statement copy You request; and (c) each time You request that We 
expedite the delivery of a Card or PIN, We will charge You a fee, which amount will 
be determined at Our sole discretion (ranging from a  minimum $25.00 up to and 
including a maximum of $45.00). 

PERIODIC  STATEMENTS.  On  a  regular  basis,  You  will  receive  a  statement 
showing all transactions on Your Account including amounts paid and borrowed 
since Your last statement. We will provide You a statement each month in which 
there is a debit or credit balance or when a Finance Charge is imposed. We need 
not send You a statement if We feel Your Account is uncollectible or if We have 
started  collection  proceedings  against  You  because  You  defaulted.  E ACH 
STATEMENT IS DEEMED  TO  BE  A  CORRECT  STATEMENT OF  ACCOUNT 
UNLESS YOU ESTABLISH A BILLING ERROR PURSUANT TO THE FEDERAL 
TRUTH-IN-LENDING ACT.  

OUR RESPONSIBILITIES TO  HONOR  CONVENIENCE CHECKS.  We are under 
no obligation to honor Your Convenience Checks if: (1) by paying a Convenience 
Check, You would exceed Your Credit Limit; (2) Your Cards or Convenience Checks 
have been reported lost or  stolen; (3)  Your Account has  been cancelled or has 
expired. If a  postdated Convenience Check  is  paid and, as  a  result , any  other 
Convenience Check is returned unpaid, We are not responsible for any resulting 
loss  or liability. 

DEFAULT.  You will be in default if: (a) You do not make any payment or perform 
any obligation under this Agreement, or any other agreement that Y ou may have 
with Us;  or (b) You should die, become involved in any insolvency, receivership or 
custodial proceeding brought by or against You; or (c) You have made a false or 
misleading statement in Your credit application and/or in Your representations to  
Us  while You owe money on Your Account; or (d) A judgment or tax lien should be 
filed against You or any attachment or garnishment should be issued against any 
of  Your  property  or  rights,  specifically  including  anyone  starting  an  action  or 
proceeding to seize any of Your funds on deposit with Us; and/or (e) We should, in 
good faith, believe Your ability to repay Your indebtedness hereunder is or soon will 
be impaired, time being of the very essence. 

Upon any occurrence of default, We may, to the extent pe rmitted by law, cancel 
Your  rights  under this  Agreement, require the return of all access  devices  and 
declare the entire balance of Your Account immediately due and payable, without 
prior  notice  or  demand.  If  Your  entire  Account  balance  is  not  then  paid 
immediately upon default, and to the extent permitted by law, the Credit Union 
may take  possession  of the Collateral and assert  the defense of a superior right 
of  possession  as  the  holder of  a  security  interest  to  any  offense  of  alleged 
wrongful taking and conversion. 

COLLECTION  COSTS.  In  the  event  collection  efforts  are  required  to  obtain 
payment on this Account, to the extent permitted by law, You agree to pay all court 
costs,  private process  server  fees,  investigation fees  or  other costs  incurred in 
collection and reasonable attorneys’ fees incurred in the course of collecting any 
amounts owed under this Agreement or in the recovery of any Collateral.  

ENFORCEMENT. We do not lose Our rights under this or any related agreement if 
We delay enforcing them. We can accept late payments, partial payments or any 
other payments, even if they are marked "paid in full" without losing any of Our rights 
under  this  Agreement.  If  any  provision  of  this  or  any  related  agreement  is 
determined to be unenforceable or invalid, all other provisions remain in full force 
and effect. 

NOTIFICATION  OF ADDRESS CHANGE. You will notify Us promptly if You move 
or otherwise have a change of address. 

CHANGE  IN TERMS. We  may change the terms of this Agreement by mailing or 
delivering to You written notice of the changes as prescribed by the Federal Truth-
In-Lending Act. To the extent permitted by law, the right to change the terms of this 
Agreement includes, but is  not  limited to, the right to  change the periodic rate 
applicable to Your unpaid balance and/or future advances. 

CREDIT  INSURANCE.  Credit  insurance  is  not  required  for  any  extension  of 
credit under this Agreement. However,  You may purchase any credit insurance 
available  through  Us  and  have  the  premiums  added  to  Your  outstanding 
balance. If You elect to do so, You will be given the necessary disclosures and 
documents separately. 

INTEGRATED  DOCUMENTS.  Any separate  sheet of paper labeled "Additional 
Disclosure  - Federal Truth-In-Lending Act," which is delivered together with this 
Agreement  or  at  a  later  date  becomes  an  integrated  part  of  this  Agreement  
and Disclosure. 

CONSENT  TO  AGREEMENT.  You  acknowledge  receipt  of  a  copy  of  this 
Agreement. By signing the application; or by using Your Account or any Account 
access  device; or by authorizing another to use Your Account, You agree to and 
accept its terms. 

UPDATING  AND  DISCLOSING  FINANCIAL  INFORMATION.  You will provide 
facts  to  update  information contained in Your original Account  application or 
other financial information related to You, at Our  request.  You also  agree that 
We  may, from time to time, as  We deem necessary,  make  inquiries pertaining 
to Your employment, credit standing and financial responsibility in accordance 
with  applicable laws  and  regulations.  You  further  agree  that  We  may  give 
information about the status  and payment history of Your Account to consumer 
credit  reporting  agencies,  a  prospective  employer  or  insurer,  or  a  state  or 
federal  licensing  agency  having  any  apparent  legitimate  business  need  for 
such  information.  

TERMINATION.  Either You or We may cancel Your Account at any time, whether 
or  not You are in default. You will, in any case, remain liable to pay any unpaid 
balances according to the terms of Your Account. 

OWNERSHIP. 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 its use 
immediately upon Our request. 

ISSUANCE OF  A  PERSONAL IDENTIFICATION  NUMBER. We will issue, upon 
Your  request,  a  Personal  Identification Number (PIN)  for  use  with  participating 
Automated Teller Machines (ATMs). This  PIN  is  confidential and should not be 
disclosed to anyone. You may use Your PIN to access  Your Account and all sums 
advanced will be added to Your Account balance. In the event a use of Your PIN 
constitutes an Electronic Fund Transfer, the terms and conditions of Your Electronic 
Fund Transfer Agreement may also affect Your rights.  

EFFECT  OF  AGREEMENT.  Even  though the  sales,  cash  advance,  credit  or 
other slips  You may sign or receive  when using  Your Card  contain terms,  this 
Agreement  is  the  contract  which  solely  applies  to  all transactions  involving 
the Card. 

UNAUTHORIZED  USE. You may be liable for the unauthorized use of Your Card. 
You will not be liable for the unauthorized use that occurs after You notify Us of the 
loss, theft, or possible unauthorized use by calling Us at (844) 228 -8853. You may 
also notify Us of the loss, theft, or possible unauthorized use of Your Card by writing 
to Us  at CAP COM Federal Credit Union, 4 Winners Circle, Albany, NY 12205. In 
any case, Your liability will not exceed $50.00. 

REFUSAL  TO  HONOR  CARDS  OR  CONVENIENCE  CHECKS.  We  are  not 
liable for the  refusal  or  inability of merchants,  financial institutions  and others 
to accept  the  Cards  or  Convenience Checks,  or  electronic terminals  to honor 
the Cards  or complete a Card  withdrawal, or  for their retention of the Cards  or 
Convenience Checks. 

FOREIGN  TRANSACTIONS.  For  transactions  initiated in foreign countries and 
foreign currencies, the exchange rate between the transaction currency and the 
billing currency (U.S. dollars) will be: (a) a rate selected by VISA from the range 
of  rates  available  in  wholesale  currency  markets  for  the  applicable  central 
processing date, which rate may vary from the rate VISA itself receives; or (b) the 
government-mandated rate in effect for the applicable central processing date. 
For transactions that are initiated in a foreign currency, You will be charged 1.00% 
of the final settlement amount. For transactions occurring in foreign countries and 
initiated in U.S. Dollars, You will be charged 1.00% of the final settlement amount. 

TRANSACTION  SLIPS.  Your  monthly  statement  will  identify  that  merchant, 
electronic terminal or  financial institution at which transactions  were  made, but 
sales, cash advances, credit or other slips cannot be returned with the statement.  

LOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit Cards 
or Convenience Checks, You will immediately call Us at (844) 228-8853, or write to 
Us  at CAP COM Federal Credit Union, 4 Winners Circle, Albany, NY 12205.   

CREDITS.  If  a  merchant who honors Your  Card  gives  You credit for  returns  or 
adjustments, they will do so  by  sending Us  a  slip which will be posted to   Your 
Account. If Your credits and payments exceed what You owe Us, We will hold and 
apply this credit against future purchases and cash advances, or if it is $1.00 or 
more refund it on Your written request or  automatically deposit it to Your Share 
Account after six months.   

GOVERNING LAW. This Agreement is controlled and governed by the laws of the 
State  of  New  York  except  to  the  extent  that  such  laws  are  inconsistent  with 
controlling federal law. 

Copyright Oak Tree Business Systems, Inc., 2014 - 2018. All Rights Reserved. 

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Your Billing Rights: Keep this Document for Future Use  

After We finish Our inv estigation, one of tw o things w ill happen: 

This notice tells You about Your rights and Our responsibilities under the Fair 
Credit Billing Act. 

•  If We made a mistake: You will not have to pay the amount in question or any 

interest or other fees related to that amount. 

What To  Do If You Find A Mistake On Your Statement 

If You think there is an error on Your statement, write to Us at Our address shown 
in this Agreement. In Your letter, give us the following information: 

•  Account information: Your name and Account number. 
•  Dollar amount: The dollar amount of the suspected error. 
•  Description of problem: If 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 three 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 potential errors in writing. You may call 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 Receiv e Your Letter 

When We receiv e Your letter, We must do tw o things: 

1) Within 30 days of receiving Your letter, We must tell You that We received Your 

letter. We will also tell 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 bill is correct. 

While We inv estigate w hether or not there has been an error: 

•  If  We  do not believe there was  a  mistake:  You 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  telling 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  tell  You  the  name  of  anyone  to  whom  we 
reported  You as  delinquent, and We  must  let those  organizations know  when 
the  matter  has  been settled  between  Us.  If  We  do not  follow all of  the  rules 
above,  You  do not  have  to  pay  the  first  $50.00 of  the  amount  You  question 
even if Your bill is correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases  

If 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 problem 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 $50.00. (Note: Neither of these are necessary if 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 fully paid for the purchase.  

•  We cannot try to collect the amount in question, or report You as delinquent on 

that amount. 

If all of the criteria above are met and You are still dissatisfied with the purchase, 
contact Us in writing at Our address shown in this Agreement.  

•  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 apply any unpaid amount against Your Credit Limit. 

While We investigate, the same rules apply to the disputed amount as discussed 
above. After We  finish Our  investigation, We will tell You Our decision. At that 
point, if We think You owe an amount and You do not pay, We may report You 
as  delinquent. 

Copyright Oak Tree Business Systems, Inc., 2014 - 2018. All Rights Reserved. 

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CAP  COM Financial  Center  
4 Winners Circle  Albany, NY 12205 
 (800) 634-2340fax (518) 458-2261 
www.capcomfcu.org 

PRICING INFORMATION ADDENDUM – CREDIT CARD ACCOUNT 
AGREEMENT AND FEDERAL DISCLOSURE STATEMENT 
THIS  IS YOUR ADDENDUM THAT  CONTAINS  PRICING INFORMATION FOR THE VISA CLASSIC, VISA CLASSIC SECURED, AND VISA PLATINUM CREDIT CARD. 
PLEASE BE SURE TO READ THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.  

Interest Rate and Interest Charges 

Annual Percentage Rate (APR) 
For Purchases 

VISA Classic: 13.90%   

VISA Platinum: 9.90% 

VISA Classic Secured: 13.90% 

Annual Percentage Rate (APR) 
For Balance Transfers 

VISA Classic: 13.90%   

VISA Platinum: 9.90% 

VISA Classic Secured:  13.90% 

Annual Percentage Rate (APR) 
For Cash Advances 

VISA Classic: 13.90%   

VISA Platinum: 9.90% 

VISA Classic Secured:  13.90% 

Paying Interest 

We  will  not  charge  You  interest  on  purchases  if  You  pay  Your  entire  balance  owed  each 
month  within  25  days  of  Your  statement  closing  date.  We  will  begin  charging  interest  on 
cash advances  and  balance  transfers  on the transaction  date. 

Fees 

Transaction Fees 

  Foreign Transaction 

Penalty Fees 

1.00%  of each foreign currency transaction in U.S. Dollars. 
1.00%  of each U.S. Dollar transaction that occurs in a foreign country. 

  Late Payment 
  Returned Payment 

Up to $25.00 
Up to $10.00 

How  We Will Calculate  Your  Balance: We  use  a  method  called  "average  daily  balance  (including  new  purchases).”  See 
Your  Account Agreement  for  details. 

Billing Rights:  Information  on Your rights to dispute transactions and how  to exercise those rights is provided  in Your Account 
Agreement.   

FINANCE  CHARGES. In the case of any transactions under Your Account, the balances subject to the periodic Finance Charge are the averag e daily transactions 
balances outstanding during the month (including new transactions). To get the average daily balance, We take the beginning b alance each day, add any new purchases, 
balance transfers, cash advances, debit adjustments or other charges a nd subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. 
Then, We add up all the daily balances for the billing cycle and divide them by the number of days in the billing cycle. The Finance Charge for a billing cycle is computed 
by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate.  

You can avoid Finance Charges on purchases  by paying the full amount of the entire balance owed each month within 25 days of  Your statement closi ng date. 
Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subj ect to a Finance Charge. Balance 
transfers  and cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle 
in which the cash advance is posted to Your Account. 

VISA Classic is subject to a Monthly Periodic Rate of 1.1583% (corresponding to an  ANNUAL PERCENTAGE RATE of 13.90%). 

VISA Classic Secured is subject to a Monthly Periodic Rate of 1.1583% (corresponding to an  ANNUAL PERCENTAGE RATE of 13.90%). 

VISA Platinum is subject to a Monthly Periodic Rate of 0.8250% (corresponding to an  ANNUAL PERCENTAGE RATE of 9.90%). 

Copyright Oak Tree Business Systems, Inc., 2014 - 2018. All Rights Reserved. 

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