VISA DISCLOSURE AND CARDHOLDER AGREEMENT 

Interest Rates and Interest Charges 

Credit Tier 3 

Credit Tier 2 

Credit Tier 1 

Annual Percentage Rate 
(APR) for purchases and 
balance transfers 

10.99% Variable1 
11.99% Variable1 Rewards 
14.49% Variable1 Cash 
Back 
Your APR will be based on your 
creditworthiness. Your APR will vary with 
the marked based on the Prime Rate. 

9.99 % Variable1 
10.99% Variable1 Rewards 
13.49% Variable1 Cash 
Back 
Your APR will be based on your 
creditworthiness. Your APR will vary with 
the marked based on the Prime Rate. 

7.99% Variable1 
8.99% Variable1 Rewards 
12.49% Variable1 Cash 
Back 
Your APR will be based on your 
creditworthiness. Your APR will vary with 
the marked based on the Prime Rate. 

Annual Percentage Rate 

(APR) for cash advances2  17.9% 

How to Avoid Paying Interest on 
Purchases 

Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on new 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 

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 
http://www.consumerfinance.gov/learnmore. 

Fees 

Annual Fee 

Balance Transfer Fee 

None 

None 

Late Fee 

Up to $25.00 

Foreign Transaction Fee 

1% of the transaction amount. 

Over Limit Fee 

None 

How we will calculate your balance: We will use a method called “average daily balance (including new purchases)”.  

Applications are subject to credit approval. Your rate and credit limit will be determined by individual credit worthiness including income, debt ratio, employment and credit history. Must be 
18 years of age to qualify. Verification of income may be required. 

Variable Rate calculations: For Credit Tiers 3, 2, 1 respectively: Variable Visa prime plus 7.74%, 6.74%, or 4.74%; Variable Rewards prime plus 8.74%, 7.74%, or 5.74%; Variable Cash 
Back prime plus 11.24%, 10.24%, or 9.24%. 

Membership account required. Must have an open savings account that carries a $5.00 minimum balance.   

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your cardholder agreement. 

Loan/Card type replacement: At any time if you request we change your loan/card type, your updated interest rate will not apply to your balance until after the six-month promotional rate 
has expired.  Following the expiration of the six-month promotional rate period, your updated interest rate will apply to the full existing balance of any existing balance transfers and any 
purchases not paid in full by the applicable billing cycle. 

Card benefits: All card types receive Verified by Visa. Rewards cards may earn one reward point for every $1 spent. Cash Back cards may earn 1.5% on every purchase. See full program 
rules on https://www.macu.com/loans/credit-cards/visa-credit-cards/program-rules .  

1Variable Rate Information: The Annual Percentage Rate may increase or decrease when the Prime Rate Index “PRI” increases or decreases.  The Prime Rate Index is the highest prime 
rate published in the Wall Street Journal on the last business day of each month. If this index is no longer available, the credit union will choose a new index which is comparable to the 
index described herein.   

2Applies to new and existing cash advance balances. 

Rev 06/23/2021 Federally insured by NCUA. 

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VISA DISCLOSURE AND CARDHOLDER AGREEMENT 

This agreement covers your VISA. In this Agreement the words “you” and “your” mean any user of the card or cards previously indicated. “We”, “our” and 
“us” mean Mountain America Federal Credit Union (MAFCU). You agree that if you sign, request, use or permit others to sign or use any of the cards 
issued by Mountain America Federal Credit Union that you have agreed to all of the following terms. “APR” means Annual Percentage Rate. “Account” 
means the relationship established between you and Mountain America Federal Credit Union. “Card” means VISA® Platinum Credit Card, or a VISA Debit 
Card or any other access devices we give you to access your account. “PRI” means Prime Rate Index.  

You may use your account to buy goods and services any place your card is honored. You may also use your account to get a cash advance. You agree 
to all procedures required by us or any merchant which honors your card as well as all terms on your card. Any plural term used in this Agreement shall 
be deemed singular if context and construction so require. Any singular term used in this Agreement shall be deemed plural if context and construction so 
require.  

1. CREDIT LIMIT. From time to time we may modify the maximum credit limit established for all extensions on your account. You agree to keep the total 
of purchases made on your account within that limit. We reserve the right to determine your credit and/or cash line and may increase, decrease, or restrict 
it at any time without notice. 

2. CARDHOLDER SIGNATURE. Your card is not valid unless it is signed. Sign the back of your card immediately upon its receipt.   

3. PAYMENTS. Payments will be credited the same day as received. In some cases, available credit may be delayed until the payment is verified. We will 
accept late or partial payments without forfeiting any of MAFCU’s rights under this Agreement.  

4. FOREIGN TRANSACTION/INTERNATIONAL SERVICE ASSESSMENT FEE (ISA FEE). Non-U.S. dollar transactions made in foreign countries (a.k.a. 
multi-currency transactions) or with merchants  located, or processing transactions, in foreign countries (including online transactions, even if they are 
initiated in the United States) will be billed to you in U.S. dollars. Conversion to U.S. dollars is determined by a rate selected by Visa from the range of 
rates  available  in  wholesale  currency  markets  for  the  applicable  central  processing  date.  This  rate  may  vary  from  the  rate  Visa  itself  receives  or  the 
government-mandated rate in effect for the applicable central processing date.  

US dollar transactions made in foreign countries (a.k.a. single currency transactions) or with merchants located, or processing transactions, in foreign 
countries (including online transactions, even if they are initiated in the United States) will be billed to you in US dollars.  

You will be charged an ISA fee of 1% of the transaction amount for all card transactions made in or with merchants located, or processing transactions, in 
foreign countries (including online transactions, even if they are initiated in the United States). The ISA fee will appear as a separate line on your statement 
for each applicable transaction. 

Transactions conducted in a U.S. Territory, on a U.S. military base, or within a U.S. Embassy or Consulate will not incur an ISA fee. Credit Vouchers (also 
known as returns) and Cash Reversals are not subject to a foreign transaction fee or ISA fee.  

5. COMPUTATION OF THE PRIME RATE INDEX (PRI). The Annual Percentage Rate (APR) applied on your account is tied to the “PRI”. The “PRI” is 
the highest prime rate published in the Wall Street Journal on the last business day of each month. If this index is no longer available, the credit union will 
choose a new index which is comparable to the index described herein. The interest rates may change on the first of every month.  

6. PROMISE TO PAY. You promise to pay us all amounts borrowed by you, your co-applicant and/or authorized user under this Agreement, using your 
credit card or any other access device provided, plus any finance charge or other amounts due both before and after judgment. You agree to pay us on 
or before the due date shown on your monthly statement. Each month we will send you a statement showing any purchases, balance transfers, advances, 
or credits made on your account during that billing cycle, your new balance, and the date it is due.  

Visa Credit: You may pay in full for all your purchases, balance transfers and advances each month or you may make the periodic minimum 
payment of 2.5% of the unpaid balance or $15.00, whichever is greater. Balances under $15.00 must be paid in full. You must pay the “Minimum 
Payment” due as shown on your statement, which shall include the minimum payment due on your new balance plus any amounts past due, 
plus any amount over your credit limit. If you exceed your credit limit, the excess will be shown on your statement as “Amount Over Credit Limit.” 
When you make a payment, generally, we first apply your minimum payment to all interest owed on your monthly statement. Any payment above 
your minimum payment would generally then be applied to the balance on your monthly statement with the highest APR first. We apply payments 
to balances as they appear on your monthly statement before being applied to new transactions. If you do not pay your balance in full each 
month, you may not be able to avoid interest charges on new purchases. 

7. BALANCE DUE. If you miss a payment or if you break any other promise you have made under this Agreement, we may declare your entire balance 
due and payable at once without notice or demand. We may also do this if you have made any misrepresentation in applying for  credit or if anything 
happens that indicates to us that you may be unable or unwilling to repay your loan. 

8. BALANCE COMPUTATION METHOD. Visa Credit Balance Computation Method: Average Daily Balance including New Purchases. The balance 
subject to finance charge is identified on your monthly statement as “Balance Transfer Average Daily Balance,” “Cash Advance Average Daily Balance” 
and “Purchases Average Daily Balance.” We figure the interest charge on your account by applying the periodic rate to the “average daily balance” of your 
account. To get the Balance Transfer Average Daily Balance, we take the beginning balance of your account each day, add new balance transfers and 
other debits, and subtract payments or credits. To get the Cash Advance Average Daily Balance, we take the beginning balance  of your account each 
day, add new advances and other debits, and subtract payments or credits. To get the Purchases Average Daily Balance, we take the beginning balance 
each day, add new purchases and other debits, and subtract payments or credits. This gives us the daily balance. Then we add up all the daily balances 
for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the “Average Daily Balance.” 

Rev 06/23/2021 Federally insured by NCUA. 

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VISA DISCLOSURE AND CARDHOLDER AGREEMENT 

9. LIABILITY. If the card is issued to you and others on a joint application, each use of the card shall be an extension of credit to all and each of you shall 
be jointly and severally liable. If you allow anyone else to use your card, you will be liable for all credit extended to him/her.  

10. USE OF CARD FOR ILLEGAL OR RISKY TRANSACTIONS. It is your responsibility to comply with all laws when using your MAFCU credit card. You 
agree to hold us harmless for any damages or other liability arising from a transaction initiated by you or your authorized user for the purpose of conducting 
an illegal activity. We reserve the right to decline authorization of transactions for activities we believe may violate law or pose significant risk to us or our 
members. 

11. LIABILITY FOR UNAUTHORIZED USE.  If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write 
to us or call us immediately at the address or telephone number included in this agreement. You may also visit macu.com/contact-us. You will not be 
liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us.  In 
any case, your liability will not exceed $50.  

a.  Debit Card Program. Unless you have been grossly negligent or have engaged in fraud or illegal transactions, you will not be liable for any 
unauthorized transactions using your lost or stolen card, when used for point-of-sale transactions. Also, if your statement shows transfers that 
you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may be liable for $50 plus any 
money you lost after the 60 days. 

12. AUTHORIZED CARDHOLDERS.  Mountain America may permit account holders to add Authorized Cardholders to an account upon request. The 
account holder assumes any responsibility or liability for any transactions that the Authorized Cardholder may initiate. Authorized cardholders (including 
MyExpress) will be given a card associated with the account holder’s account. The use of authorized cards may not be for payroll purposes. Authorized 
cardholders shall not be permitted to withdraw funds directly from the teller line. It is understood by the account holder that funds may be accessed by 
Authorized Cardholders through use of the card; however, the funds will remain under the ownership of the share account holder.  

13. LOST/REPLACEMENT CARD. You agree to promptly notify us orally or in writing if your card or card number is lost or stolen. You may notify us of 
the loss by sending a written notice or calling us at the address or telephone number listed on each billing statement. A $10 fee may be assessed for each 
replacement card.  

14. LATE FEE. We may assess a late fee if your “Minimum Payment Due” is not made by the 10th day following your payment due date. This fee will be 
$15 on balances up to $999.99, $20 on balances of $1,000 up to $1,999.99, and $25 on balances of $2,000 and over.  

15. AUTOMATED TELLER MACHINE (ATM) FEE. A transaction fee may be assessed on your account when you use your card to access information or 
make any transaction on your credit union account(s). This fee is in addition to any other surcharge or transaction fees initiated by the proprietary ATM 
owner.  

16. ANNUAL CARD FEE. No annual consumer card fee.  

17. OVER LIMIT CHARGE. No over limit charge.  

18. CASH ADVANCE FEE. No cash advance fee.  

19. COLLECTION COSTS. If we are forced to take collection action, you agree to pay all court costs and collection fees, including our reasonable attorney’s 
fees and costs on appeal. If this account is assigned to an outside agency for collections, you agree to pay all attorneys’ fees, court cost, and a collection 
charge of 30% of the outstanding balance at the time it is sent to collections, which will be added to the outstanding balance of your account.  

20. CANCELLATION OF THIS AGREEMENT. You agree that the card(s) you have is our property and that we may terminate this Agreement if you break 
any of your promises or you are in default under this Agreement. The card(s) must be surrendered upon MAFCU’s request or termination of this account. 

21. YOUR BILLING RIGHTS: KEEP THIS DOCUMENT 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 

If you think there is an error on your statement, write to us at the address in this agreement or visit macu.com/contact-us.  
In your letter/correspondence, 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 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is in error. 

You must notify us of any potential errors in writing or electronically. 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. Notification must be submitted by either the member or a MAFCU service representative to further 
investigate a claim.  

What Will Happen After We Receive Your Letter/Correspondence 

When we receive your letter, we must do two things:  

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VISA DISCLOSURE AND CARDHOLDER AGREEMENT 

1.  Within 30 days of receiving your letter/correspondence, we must tell you that we received your letter/correspondence. We will also tell you if we 

have already corrected the error. 

2.  Within 90 days of receiving your letter/correspondence, we must either correct the error or explain to you why we believe the bill is correct. 

While we investigate whether or not there has been an error: 

The charge in question may remain on your statement, and we may continue to charge you interest on that amount. 

  We cannot try to collect the amount in question, or report you as delinquent 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. 

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 question or any interest or other fees related to that amount. 
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, as 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 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. (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. 

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing or electronically at the address in this agreement or 
at macu.com/contact-us.  

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. 

22. CHANGES IN THE AGREEMENT. By your signature on your card or the signature of any authorized user, you agree that we may change, according 
to law, the terms of this Agreement. These changes will apply to your new purchases, balance transfers and advances and to your outstanding balance. 
These changes may include, but are not limited to, any change in finance charge. We will mail notice of such change to you at your address shown on 
our records. 

We may make changes in this Agreement, but we will notify you of such changes. Unless you terminate your right to participate within 45 days after the 
date of our notice by writing us at the address given in this disclosure, you agree to abide by this Agreement as changed.  

23. MOBILE CARD USE.  

PLEASE READ BELOW BEFORE ACTIVATING OR USING YOUR MOBILE CARD.  BY ACTIVATING AND/OR USING YOUR MOBILE CARD, YOU 
ACCEPT AND AGREE TO THE TERMS BELOW AND ARE BOUND TO THE TERMS OF USE.  

a. 

b. 

c. 

If  you  choose  to  use  your  card  in  conjunction  with  a  mobile  card  application  (“Mobile  Card  Application”),  including  but  not  limited  to,  Apple  Pay 
application, Google Wallet application, or any other similar or competitive applications or mobile feature, you are solely responsible for the safety and 
protection of all log-ins, passwords, or any other required element related to the use of  such Mobile Card Applications. It is your responsibility to 
contact MAFCU and notify us of any potential compromise. Any fee for creating or using your Mobile Card will be your responsibility, including fees 
for data usage or text messaging imposed by your wireless carrier) and will be subject to any Third Party Agreement between the parties. 

In addition to the terms herein, you may have entered into an agreement with the Mobile Card Application provider (such as Apple or Google), your 
wireless carrier, and/or other third parties, with their own terms and conditions and privacy policies (“Third Party Agreements”). Those Third Party 
Agreements are between you and the third party and do not concern your relationship with MAFCU. We strongly encourage you to read all such Third 
Party Agreements. 

If additional verification is required to add your card to a digital wallet, we may need to ask for additional verification using text message or email. If 
you choose text messages as your verification method, you consent to receive text messages at the mobile phone number you have on file with us 
for this card. Text messages may be transmitted using auto-dialer technology. Your usual wireless carrier fees may apply. One message per user.  
Message and Data Rates May Apply. HELP instructions: Text HELP to 91098. STOP instructions: Text STOP to 91098 to cancel.   

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VISA DISCLOSURE AND CARDHOLDER AGREEMENT 

d.  Purchases or other transactions you make with any of your Mobile Cards are governed by the Visa Disclosure and Cardholder Agreement for the 
card you used to create your Mobile Card. If a problem arises with the product or service you purchased through use of the Mobile Card, you first 
should try to resolve the problem directly with the merchant, but you may also have rights under your Cardholder Agreement referenced above, or 
otherwise under applicable law. 

e.  MAFCU is not responsible for technical support or assistance for any third party hardware, software or other products or services (including any Apple 
Payment Service or your device). If you have any questions or issues with a third party product or service, including issues pertaining to the operation 
of your device, please contact the appropriate third party in accordance with that third party's procedures for customer support and assistance.  

f.  We reserve the right for any reason to discontinue offering or supporting any Mobile Card. Except as otherwise required by applicable law, we may 
block, restrict, suspend or terminate your use of any Mobile Card at any time without notice and for any reason, including if you violate these Terms 
of Use or any of your MAFCU agreements, if we suspect fraudulent activity or as a result of the cancellation or suspension of your Mobile Card 
account. You agree that we will not be liable to you or any third party for any block, suspension, cancellation or termination of your use of any Mobile 
Card. 

g.  As a condition to activating and using Mobile Cards, you consent to receive messages (i.e., SMS, MMS) from us. You also agree to receive 

communications from us by e-mail to the e-mail address on file for the relevant card account. 

h.  A MOBILE CARD IS LICENSED, NOT SOLD, TO YOU FOR USE ONLY UNDER THE TERMS AND CONDITIONS OF THESE TERMS OF USE. 

MAFCU RESERVES ALL RIGHTS NOT EXPRESSLY GRANTED TO YOU. You are granted a non-exclusive, non-sublicensable, non-transferable, 
personal, limited license to install and use the Mobile Card on your device solely in accordance with these Terms of Use. You agree that a Mobile 
Card may be automatically updated or upgraded without notice to you, at any time, at our sole discretion and without prior notice. 

i. 

j. 

DISCLAIMER OF WARRANTIES. USE OF A MOBILE CARD IS AT YOUR RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, ANY MOBILE 
CARD IS PROVIDED TO YOU "AS IS", AND MAFCU HEREBY DISCLAIMS ALL WARRANTIES AND CONDITIONS WITH RESPECT TO ANY 
MOBILE  CARD,  EITHER  EXPRESS,  IMPLIED  OR  STATUTORY.  WE  ALSO  DO  NOT  WARRANT  AGAINST  INTERFERENCE  WITH  YOUR 
ENJOYMENT OF ANY MOBILE CARD. USE OF A MOBILE CARD INVOLVES THE TRANSMISSION OF PERSONAL INFORMATION THROUGH 
THIRD PARTY  CONNECTIONS. WE  DO  NOT  CONTROL  THESE CONNECTIONS, WE  CANNOT GUARANTEE  PRIVACY  OR SECURITY  OF 
THESE TRANSMISSIONS. YOUR DEVICE'S BROWSER IS PRE-CONFIGURED BY YOUR WIRELESS CARRIER. CHECK WITH APPLICABLE 
THIRD  PARTIES  FOR  INFORMATION  ABOUT  THEIR  PRIVACY  AND  SECURITY  PRACTICES.  THIS  SECTION  23(I)  SHALL  SURVIVE  ANY 
TERMINATION OF THESE TERMS OF USE. 

RELEASE  OF  LIABILITY.  ALERTS  SENT  VIA  SMS  MAY  NOT  BE  DELIVERED  TO  YOU  IF  YOUR  PHONE  IS  NOT  IN  THE  RANGE  OF  A 
TRANSMISSION SITE, OR IF SUFFICENT NETWORK CAPACITY IS NOT AVAILABLE AT A PARTICULAR TIME. EVEN WITHIN COVERAGE, 
FACTORS BEYOND THE CONTROL OF THE CARRIER MAY INTERFERE WITH MESSAGE DELIVERY FOR WHICH THE CARRIER IS NOT 
RESPONSIBLE. 

K.  LIMITATION  OF  LIABILITY.  EXCEPT  AS  OTHERWISE  PROVIDED  BY  LAW,  IN  NO  EVENT  SHALL  MAFCU,  ITS  AFFILIATES,  AGENTS, 
EMPLOYEES OR REPRESENTATIVES BE LIABLE FOR DEATH, PERSONAL INJURY, PROPERTY DAMAGE, OR ANY INCIDENTAL, SPECIAL, 
INDIRECT, PUNITIVE, EXEMPLARY OR CONSEQUENTIAL DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR 
LOSS OF PROFITS, LOSS OF OR DAMAGE TO DATA, BUSINESS INTERRUPTION OR ANY OTHER COMMERCIAL OR FINANCIAL DAMAGES, 
LOST REVENUES, OR OTHER LOSSES OF ANY KIND, ARISING OUT OF THESE TERMS OF USE OR IN ANY WAY RELATED TO YOUR USE 
OR INABILITY TO USE ANY MOBILE CARD, HOWEVER CAUSED, REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT OR 
OTHERWISE) AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE FOREGOING LIMITATIONS WILL 
APPLY  EVEN  IF  THE  ABOVE  STATED  REMEDY  FAILS  OF  ITS  ESSENTIAL  PURPOSE.  THIS  SECTION  23(K)  SHALL  SURVIVE  ANY 
TERMINATION OF THESE TERMS OF USE. 

Rev 06/23/2021 Federally insured by NCUA. 

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VISA DISCLOSURE AND CARDHOLDER AGREEMENT 

24. GRANT OF SECURITY INTEREST IN FUNDS ON DEPOSIT 
By using the Visa Credit Card (the “credit card”) and/or maintaining a balance on the credit card, which is governed by the Visa Disclosure and 
Cardholder Agreement, of which this Addendum is a part, you understand and agree to the terms herein. Except as described below, you voluntarily and 
intentionally grant Mountain America Federal Credit Union (“we” or “us”) a security interest in all individual or joint share or other deposit account(s) 
(“your deposit account(s)”) you have now, or will have in the future, with us. If your credit card payment obligations are in default, you authorize us to 
apply up to the full balance in your deposit account(s) to pay any and all amounts due. For example, if you have a delinquent credit card payment, you 
agree that we may apply funds in your deposit account(s) to pay the delinquent payment. By using the credit card and/or maintaining a balance on the 
credit card, you affirmatively agree and acknowledge that you are aware that granting a security interest is a condition for the credit card and you intend 
to grant a security interest. Notwithstanding anything herein to the contrary, shares and deposits in an IRA or any other account that would lose special 
tax treatment under state or federal law if given as security, or which for which it is otherwise unlawful to grant a security interest, are not subject to the 
security interest you have given in your shares and deposits. This security interest does not apply for any period of time during which you are a “Covered 
Borrower” under the Military Lending Act. You will not be deemed a Covered Borrower, and your pledge will apply, if: (i) you become obligated on a 
credit transaction or establish an account for credit when you are not a Covered Borrower; or (ii) you cease to be a Covered Borrower. Unless otherwise 
prohibited by federal and/or state law, collateral securing other loans you have with us 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. 

Rev 06/23/2021 Federally insured by NCUA. 

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