Platinum/Scorecard
VISA CREDIT CARD AGREEMENT

In this Agreement the words "you" and "your" mean each and all of those who agree to be bound by this Agreement; "card"
means  the  Visa  credit  card  and  any  duplicates,  renewals,  or  substitutions  the  Credit  Union  issues  to  you;  "account"  means
your  Visa  credit  card  line  of  credit  account  with  the  Credit  Union,  and  "Credit  Union"  means  the  Credit  Union  whose  name
appears on this Agreement or anyone to whom the Credit Union transfers this Agreement.
1. USING YOUR ACCOUNT — If you are approved for an account, the Credit Union will establish a line of credit for you and
notify  you  of  your  credit  limit.  You  agree  that  your  credit  limit  is  the  maximum  amount  (purchases,  cash  advances,  finance
charges, plus "other charges") which you will have outstanding on your account at any time. If you are over your credit limit,
you must pay the amount you are over before payments will begin to restore your credit limit. You may request an increase in
your credit limit only by a method acceptable to the Credit Union. The Credit Union has the right to reduce your credit limit,
refuse to make an advance and/or terminate your account at any time for any reason not prohibited by law.
2. USING YOUR CARD — You understand that the use of your credit card will constitute acknowledgement of receipt and
agreement to the terms of the Credit Card Agreement. You may use your card to make purchases from merchants and others
who accept Visa cards. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for
goods  or  services  over  the  Internet,  you  may  be  required  to  provide  card  number  security  information  before  you  will  be
permitted  to  complete  the  transaction.  In  addition,  you  may  obtain  cash  advances  from  the  Credit  Union  and  from  other
financial  institutions  that  accept  Visa  cards,  and  from  some  automated  teller  machines  (ATMs).  (Not  all  ATMs  accept  Visa
cards.) To obtain cash advances from an ATM, you must use the personal identification number (PIN) issued to you for use
with your card. You agree that you will not use your card for any transaction that is illegal under applicable federal, state or
local law.
3. RESPONSIBILITY  —  You  agree  to  pay  all  charges  (purchases  and  cash  advances)  made  to  your  account  by  you  or
anyone you authorize to use your account. You also agree to pay all finance charges and other charges added to your account
under the terms of this Agreement or another agreement you made with the Credit Union. If this is a joint account, Section 17
also applies to your account.
4. FINANCE CHARGES — New purchases posted to your account during a billing cycle will not incur a finance charge for
that billing cycle if you had a zero or credit balance at the beginning of that billing cycle, or you paid the entire new balance on
the previous cycle's billing statement by the payment due date of that statement; otherwise a finance charge will accrue from
the date a purchase is posted to your account. To avoid an additional finance charge on the balance of purchases, you must
pay the entire new balance on the billing statement by the payment due date of that statement. A finance charge begins to
accrue on cash advances from the date you get the cash advance or from the first day of the billing cycle in which the cash
advance is posted to your account, whichever is later.
The finance charge is calculated separately for purchases and cash advances. For purchases, the finance charge is computed
by  applying  the  monthly  periodic  rate  to  the  average  daily  balance  of  purchases.  To  get  the  average  daily  balance  of
purchases,  we  take  the  beginning  outstanding  balance  of  purchases  each  day,  add  any  new  purchases,  and  subtract  any
payments and/or credits. This gives us the daily balance of purchases. Then, we add all the daily balances of purchases for
the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the average daily balance
of purchases.
For cash advances, the finance charge is computed by applying the monthly periodic rate to the average daily balance of cash
advances. To get the average daily balance of cash advances, we take the beginning outstanding balance of cash advances
each  day,  add  in  any  new  cash  advances,  and  subtract  any  payments  and/or  credits  that  we  apply  to  the  cash  advance
balance. This gives us the daily balance of cash advances. Then, we add all the daily balances of cash advances for the billing
cycle together and divide the total by the number of days in the billing cycle. This gives us the average daily balance of cash
advances. Balance transfers are calculated in the same manner as cash advances.
The ANNUAL PERCENTAGE RATE is based on certain credit-worthiness criteria.
For  our  Visa  Platinum  card,  the  monthly  periodic  rate  for  purchases,  cash  advances  and  balance  transfers  is  0.7333%  -
1.6500% which is an ANNUAL PERCENTAGE RATE of 8.80% - 19.80%.
Balance transfer ANNUAL PERCENTAGE RATE will continue until the balance is paid off.
For  our  Visa  Platinum  ScoreCard  card,  the  monthly  periodic  rate  for  purchases,  cash  advances  and  balance  transfers  is
0.8167% - 1.7333% which is an ANNUAL PERCENTAGE RATE of 9.80% - 20.80%.
For the ANNUAL PERCENTAGE RATE and monthly periodic rate that applies to your card, please refer to Visa card carrier
information that accompanies this agreement.
5. OTHER CHARGES — The following other charges (fees) will be added to your account, as applicable:
a. Late Payment Fee. A late charge of $25.00 will be added to your account if you are late in making a payment.
b. Cash Advance Fee.  There is a cash advance fee of 2% for each transaction, maximum of $20.00, when you obtain a
cash advance from an automated teller machine (ATM) or other financial institution.

b. Return Check Fee.  If  a  check  or  share  draft  used  to  make  a  payment  on  your  account  is  returned  unpaid,  you  will  be
charged a fee of $25.00 for each item returned.
c. Collection  Costs.  You  agree  to  pay  all  costs  of  collecting  the  amount  you  owe  under  this  Agreement,  including  court
costs and reasonable attorney's fees.
6. PAYMENTS — Each month you must pay at least the minimum payment shown on your statement by the date specified
on  the  statement  or  no  later  than  25  days  from  the  statement  closing  date  whichever  is  later.  If  your  statement  says  the
payment  is  "Now  Due,"  your  payment  is  due  no  later  than  25  days  from  the  statement  closing  date.  You  may  pay  more
frequently, pay more than the minimum payment or pay the total new balance in full. If you make extra or larger payments, you
are still required to make at least the minimum payment each month your account has a balance (other than a credit balance).
For our Visa Platinum card, the minimum payment is 2.50 percent of your total new balance, or $10.00, whichever is greater,
plus the amount of any prior minimum payments that you have not made, and any amount you are over your credit limit. For
our Visa Platinum ScoreCard card, the minimum payment is 2.50 percent of your total new balance, or $10.00, whichever is
greater, plus the amount of any prior minimum payments that you have not made, and any amount you are over your credit
limit. The Credit Union also has the right to demand immediate payment of any amount by which you are over your credit limit.
7. PAYMENT ALLOCATION — Subject to applicable law, your payments may be applied to what you owe the Credit Union
in any manner the Credit Union chooses.
8. SECURITY INTEREST — If you give the Credit Union a specific pledge of shares by signing a separate pledge of shares,
your pledged shares will secure your account. You may not withdraw amounts that have been specifically pledged to secure
your account until the Credit Union agrees to release all or part of the pledged amount. In addition, your account is secured by
all other shares you have in any individual or joint account with the Credit Union, except for shares in an Individual Retirement
Account  or  in  any  other  account  that  would  lose  special  tax  treatment  under  state  or  federal  law  if  given  as  security.  You
authorize  the  Credit  Union  to  apply  the  balance  in  your  individual  or  joint  share  accounts  to  pay  any  amounts  due  on  your
account if you should default. Collateral securing other loans you have with the Credit Union may also secure this loan, except
that  a  dwelling  will  never  be  considered  as  security  for  this  account,  notwithstanding  anything  to  the  contrary  in  any  other
agreement.
9. DEFAULT — You will be in default if you fail to make any minimum payment or other required payment by the date that it
is due. You will be in default if you break any promise you make under this Agreement. You will be in default if you die, file for
bankruptcy or become insolvent, that is, unable to pay your obligations when they become due. You will be in default if you
make  any  false  or  misleading  statements  in  any  credit  application  or  credit  update.  You  will  also  be  in  default  if  something
happens that the Credit Union believes may substantially reduce your ability to repay what you owe.
When you are in default, the Credit Union has 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  finance  charges  at  the  periodic  rate
charged before default, 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.
10. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION — You  agree  to  notify  us  immediately,
orally or in writing at PO Box 100, Rantoul, IL 61866 or telephone (800) 252-6950 twenty-four (24) hours a day, seven (7) days
a week, of the loss, theft, or unauthorized use of your credit card. You may be liable for the unauthorized use of your credit
card. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft, or possible unauthorized use.
You  will  have  no  liability  for  unauthorized  purchases  made  with  your  credit  card,  unless  you  are  grossly  negligent  in  the
handling of your card. In any case, your liability will not exceed $50.
11. CHANGING OR TERMINATING YOUR ACCOUNT — The Credit Union may change the terms of this Agreement from
time  to  time.  Notice  of  any  change  will  be  given  in  accordance  with  applicable  law.  If  permitted  by  law  and  specified  in  the
notice to you, the change will apply to your existing account balance as well as to future transactions.
Either you or the Credit Union may terminate this Agreement at any time, but termination by you or the Credit Union will not
affect your obligation to pay the account balance plus any finance and other charges you owe under this Agreement. You are
also responsible for all transactions made to your account after termination, unless the transactions were unauthorized.
The card or cards you receive remain the property of the Credit Union and you must recover and surrender to the Credit Union
all cards upon request or upon termination of this Agreement whether by you or the Credit Union. The Credit Union has the
right to require you to pay your full account balance at any time after your account is terminated, whether it is terminated by
you or the Credit Union. If this is a joint account, Section 17 of this Agreement also applies to termination of the account.
12. CREDIT  REVIEW  AND  RELEASE  OF  INFORMATION  —  You  authorize  the  Credit  Union  to  investigate  your  credit
standing  when  opening  or  reviewing  your  account.  You  authorize  the  Credit  Union  to  disclose  information  regarding  your
account to credit bureaus and creditors who inquire about your credit standing. If your account is eligible for emergency cash
and/or  emergency  card  replacement  services,  and  you  request  such  services,  you  agree  that  we  may  provide  personal
information about you and your account that is necessary to provide you with the requested service(s).
13. RETURNS  AND  ADJUSTMENTS  —  Merchants  and  others  who  honor  your  card  may  give  credit  for  returns  or
adjustments, and they will do so by sending the Credit Union a credit slip which will be posted to your account. If your credits
and  payments  exceed  what  you  owe  the  Credit  Union,  the  amount  will  be  applied  against  future  purchases  and  cash
advances. If the credit balance amount is $1.00 or more, it will be refunded upon your written request or automatically after six
(6) months.
14. ADDITIONAL BENEFITS/CARD ENHANCEMENTS — The Credit Union may from time to time offer additional services
to your account, such as travel accident insurance, at no additional cost to you. You understand that the Credit Union is not
obligated to offer such services and may withdraw or change them at any time.

15. FOREIGN TRANSACTIONS —
Visa.  Purchases  and  cash  advances  made  in  foreign  currencies  will  be  debited  from  your  account  in  U.S.  dollars.  The
exchange  rate  between  the  transaction  currency  and  the  billing  currency  used  for  processing  international  transactions  is  a
rate selected by Visa from a 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  the  government-mandated  rate  in  effect  for  the  applicable  central
processing date. The exchange rate used on the processing date may differ from the rate that would have been used on the
purchase date or cardholder statement posting date.
A fee of 1.00 percent of the amount of the transaction, calculated in U.S. dollars, will be imposed on all foreign transactions,
including purchases, cash advances and credits to your account. A foreign transaction is any transaction that you complete or
a merchant completes on your card outside of the United States, with the exception of U.S. military bases, U.S. territories, U.S.
embassies or U.S. consulates.
16. MERCHANT DISPUTES — The Credit Union is not responsible for the refusal of any merchant or financial institution to
honor your card. The Credit Union is subject to claims and defenses (other than tort claims) arising out of goods or services
you  purchase  with  the  card  if  you  have  made  a  good  faith  attempt  but  have  been  unable  to  obtain  satisfaction  from  the
merchant  or  service  provider,  and  (a)  your  purchase  was  made  in  response  to  an  advertisement  the  Credit  Union  sent  or
participated in sending to you; or (b) your purchase cost more than $50 and was made in your state or within 100 miles of your
home.
17. JOINT ACCOUNTS — If this is a joint account, each person on the account must sign the Agreement (by signing on the
application). Each of you will be individually and jointly responsible for paying all amounts owed under this Agreement. This
means that the Credit Union can require any one of you individually to repay the entire amount owed under this Agreement.
Each  of  you  authorizes  the  other(s)  to  make  purchases  or  cash  advances  individually.  Any  one  of  you  may  terminate  the
account and the termination will be effective as to all of you.
18. EFFECT  OF  AGREEMENT  —  This  Agreement  is  the  contract  which  applies  to  all  transactions  on  your  account  even
though the sales, cash advances, credit or other slips you sign or receive may contain different terms.
19. NO WAIVER — The Credit Union can delay enforcing any of its rights any number of times without losing them.
20. STATEMENTS  AND  NOTICES  —  Statements  and  notices  will  be  mailed  to  you  at  the  most  recent  address  you  have
given the Credit Union. Notice sent to any one of you will be considered notice to all.
21. FINAL  EXPRESSION  —  This  Agreement  is  the  final  expression  of  the  terms  and  conditions  of  this  Visa  line  of  credit
between  you  and  the  Credit  Union.  This  written  Agreement  may  not  be  contradicted  by  evidence  of  any  alleged  oral
agreement.
22.  COPY RECEIVED — You acknowledge that you have received a copy of this Agreement.

YOUR BILLING RIGHTS
KEEP THIS NOTICE FOR FUTURE USE

This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.
NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR BILL —
If you think your bill is wrong, or if you need more information about a transaction on your bill, write us on a separate sheet at
the address listed on your bill. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you
the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights.
In your letter, give us the following information:
•  Your name and account number.
• 
•  Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the

The dollar amount of the suspected error.

item you are not sure about.

If you have authorized us to pay your credit card bill automatically from your savings or share draft account, you can stop the
payment on any amount you think is wrong. To stop the payment, your letter must reach us three (3) business days before the
automatic payment is scheduled to occur.
YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE —
We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either
correct the error or explain why we believe the bill was correct.
After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to
bill you for the amount you question, including finance charges, and we can apply any unpaid amount against your credit limit.
You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your
bill that are not in question.
If we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount.
If we didn't make a mistake, you may have to pay finance charges and you will have to make up any missed payments on the
questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due.
If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not
satisfy you and you write to us within ten (10) days telling us that you still refuse to pay, we must tell anyone we report you to
that you have a question about your bill. And, we must tell you the name of anyone we reported you to. We must tell anyone
we report you to that the matter has been settled between us when it finally is.
If we don't follow these rules, we can't collect the first $50 of the questioned amount, even if your bill was correct.

SPECIAL RULE FOR CREDIT CARD PURCHASES —
If you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good
faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or
services. There are two (2) limitations on this right:
•  You must have made the purchase in your home state or, if not within your home state, within 100 miles of your current

mailing address; and
The purchase price must have been more than $50.

• 
These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or
services.

© CUNA Mutual Group 1993, 2007, 2009 ALL RIGHTS RESERVED

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