1  ERMC -102 
Rev. 3/21/22   
VISA  CLASSIC  CREDIT  CARD  AGREEMENT  AND DISCLOSURE   
1. INTRODUCTION. This Agreement covers your VISA Classic Credit Line of Credit  issued as part of the loan plan under your Loan Contract Agreement with  Rogue 
Credit Union (�Lender�). In this Agreement the words �you�, �yours�, �applicant�, and �Borrowers� mean any person who signs the applicatio n for this  Account, any 
joint obligor, guarantor, authorized user, or the person whose name is embossed on the Card. The words, �we �, �us�, �our�, and �Lender� mean  Rogue  Credit  
Union.  The word  �Card�  means  any one or more  credit  cards  as requested  issued  under  this Account.  If you sign an application  for this account  or sign or use 
any Card  or PIN, or allow  others  to use the Card  or PIN, 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 following  terms  and conditions  which  will govern  this Account.  
2. PURCHASES AND CASH ADVANCES.  You must sign the Card to use it. Once you have signed the Card, you can use it to buy or lease goods, services, or  
insurance  wherever  the Card  is honored,  up to the full amount  of your credit  line. You may use your Account  to get cash  advances  from  us. You may also use 
your Card  to get a cash  advance  from  participating  financial  institutions  and designated  automatic  teller  machines.  You may not use the Card  for any illegal  
or unlawful  transaction,  and we may decline  to authorize  any transaction  that we believe  poses  an undue  risk of illegality  or unlawfulness.  
3. OVERDRAFT PROTECTION. If we  approve  overdraft protection,  you may  access your  line of credit  account by  overdrawing your  checking  account. We will  treat  
any overdraft  item as a request  for a loan advance  on your line of credit.  Overdraft  transfers  will be made  in amounts  sufficient  to cover  the overdrawn  item.  
You understand  that any owner  on your checking  account  may obligate  you to repay  overdraft  advances  by overdrawing  the checking  account.  
4. YOU PROMISE  TO PAY.  You promise  to pay us all such  amounts,  plus any Finance  Charges,  which  arise  from  use of the Card  or Account  by you or any 
other person, and to be jointly and severally  liable with such  a person,  unless such other  person does not have  actual,  implied, or  apparent authority  for such  
use, and  you received  no benefit  from  the use. You promise to pay us either by direct payment  or by automatic transfers from shares or payroll  deduction.  
5. CREDIT LINE.  If your application  is appr oved by  us, this agreement  will constitute a  revolving  line of  credit  for an amount  which will be the credit  line under  
your Account. We will advise you of the amount of  your credit line. That amount will be  the maximum amount you may have outstanding  at any time.  You agree 
not to attempt to obtain more credit than the amount of your credit line. However, if you temporarily exceed your credit line , you agree to repay the  excess  
immediately,  even  if we  have  not yet billed  you. 
Obtaining such credit does not increase your credit line and if you exceed your Credit Limit repeatedly, we may suspend your credit privileg e under this  Agreement.  
We retain  the right  to increase  or decrease  your credit  line at any time for any reason.  Any increase  of reduction  on the limit of your credit  line will be shown  
on your monthly  statement  or by separate  notice  together  with any changes  in the applicable  minimum  monthly  payments.  Your  eligibility  for this credit line 
is determined by our loan policy and may be terminated at our sole discretion, without demand or notice. You may close your credit line at any  time by notifying 
us in writing and returning all Cards cut in half. If you  terminate this Agreement or if we terminate or suspend your cre dit privileges, the  provisions of this Agreement 
and your liability hereunder shall otherwise remain in full force   and effect until you have paid us all sums due under this  Agreement  and returned  all Cards.  
6. MINIMUM MONTHLY PAYMENT. We will mail you a sta tement every month if your account has a balance. You agree that you will pay each month not less  than  
the minimum  monthly  payment  by the payment  due date.  The minimum  monthly  payment  will be 3.0%  for Classic  accounts  or 2% for Platinum  accounts  of your 
outstanding balance (�New Balance�) or $25.00, whichever is greater.  If your outstanding balance is $25.00 or less, you agree to  pay the balance in  full. You 
may pay  in full for all your purchases  and cash advances each month, or you may  repay in monthly installments. We can accept  late payments or  partial payments, 
or checks,  drafts, or money orders marked �payment  in full� without  prejudice  to our  rights under  this Agreement, which are  hereby  explicitly  reserved. A  credit 
posting  from  a merchant  or reversal of  fees do not  constitute  a minimum payment. The minimum  monthly payment  may be  allocated at the Credit Union�s 
discretion to pay off lower rate balances, such as promotional offers, before higher rate balances, such as cash advances or  purchas es. Payments  in excess of 
the minimum monthly 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, Finance Charges will con tinue to accrue in accordance with this  Agreement. Payments received at: Rogue Credit 
Union, PO Box 4550, Medford, OR 97501 on or before 5:00 PM Pacific Time on any business day will be  credited  to your Account  as of that date;  payments  
received  by mail at that address  after  5:00  PM Pacific  Time  or on a weekend  will be posted  to your Account  as of the  next business day. Payment  crediting  
to your Account may be  delayed up to five  days if your payment  is received by mail at  any other  address  or not accompanied  by the remittance  portion  of your 
Account  statement.  
7. SECURITY INTEREST. To secure your Account, you grant us a purchase money security interest under the Uniform Commercial Code in any goods you  purchase 
through your Account. If you default, we  will have the right to recover any of these goods which have not been paid through application of your  payments in the 
manner described in Section  5. In addition, you agree that all collateral you give (or have given) the Credit Union to secure other loan  obligations (except real 
estate or a dwelling) in the past and in the future, also secures your obligations under this Agreement. You also grant us a security  interest  in all your shares,  
deposits,  and accounts  (except  for Individual  Retirement  Accounts  and Keogh  Plans)  at the Credit  Union.  
8. MONTHLY  STATEMENTS. Each month we will  send you a statement showing  purchases,  cash advances,  payments,  and credits made  to your Account  during 
the billing cycle,  as well as your �New Balance�, any Finance Charge and any late charges. Your statement also will identify the minimum monthly  payment  you 
must  make  for that billing  period  and the date  it is due. You agree  to retain  for statement  verification  copies  of transaction  slips  resulting  from  each  purchase, 
each advance,  and other transactions on  your Account. Unless you notify us of a billing error in accordance with the section entitled �Your  Billing  Rights�,  you 
accept  your monthly  statement  as an accurate  statement  of your Account with  us. 
9. CIRCUMSTANCES  UNDER  WHICH  AN FINANCE  CHARGE  WILL  BE IMPOSED.  The total  outstanding  balance  of purchases  and cash  advances  in the 
Account  on the closing  date  of the billing  cycle,  including  any Finance  Charge  will be shown  on the Periodic  Statement  for that billing  cycle  as the �New  
Balance�.  
(a). Cash  Advances.  An Finance Charge will  be imposed on  cash  advances  from  the date made or  from the first day of  billing cycle  in which the cash  advance  
is posted  to your account,  whichever  is later,  and will continue  to accrue  until the date  of payment.  
(b). Purchases.  An Finance Charge will be  imposed on the portion of purchases included in the  New Balance  that remains unpaid within 25 days of the  closing  
date  of your statement.  This �grace  period�  allows  you to avoid  an Finance  Charge  on purchases  for a billing  cycle.  However,  if you do not pay any of the New 
Balance  for purchases  within  the grace  period,  your Finance  Charge  will accrue  on any unpaid  purchase  transactions  from  the date  of purchase.  
10. METHOD USED TO  DETERMINE  THE BALANCE  ON WHICH THE FINANCE CHARGE MAY BE COMPUTED.  The Finance  Charge for a billing  cycle  is computed  
by applying  the monthly  periodic  Rate  to the average  daily  balance  of cash  advances,  purchases  and balance  transfers.  The �Average  Daily  Balance� is 
determined by dividing the sum of the daily balances during each billing cycle by the number of days in the cycle. Each daily  balance of cash  advances  and credit  
purchases  is determined  by adding  to the outstanding  balance  of cash  advances  and credit  purchases  at the beginning  of the billing  cycle  any new cash  
advances  and credit  purchases  posted  to your account  and subtracting  any payments  as received  and credits  as posted  to your account,  but excluding  any 
unpaid Finance  Charges.  
 VISA  Classic  Credit  Card  Account Agreement  and Disclosure  Rogue  Credit  Union  
2  ERMC -102 
Rev. 3/21/22  
  
11. METHOD  OF DETERMINING  THE AMOUNT  OF FINANCE  CHARGE.  Any Finance  Charge  shown  on your monthly  statement  is determined  as follows:  We 
figure  the Finance  Charge  on your Account  by applying  the Periodic  Rate  to the �Average  Daily  Balance�  of your Account.  
12. PERIODIC RATE AND CORRESPONDING ANNUAL PERCENTAGE RATE. The Periodic Rate and corresponding Annual Percentage Rate that is used to  compute  
the Finance  Charge  is variable.  The Annual  Percentage  Rate  is based  on an index  which  is the highest  Wall Street  Prime  Rate  as of the last day of the month 
as published in The Wall  Street Journal (Western Edition) from time  to time.  To determine  the Annual Percentage  Rate,  we add a margin to the  index. The amount 
of the margin depends on the type of account, your credit profile, and other factors we deem appropriate. The margin applicab le to your  account  will be provided  
to you at the time of opening  your card.  The Annual  Percentage  Rate  is divided  by 12 to obtain  the periodic  rate.  The rate can change  monthly  effective 
the first day of the  billing  cycle.  Any increase  or decrease  in the Annual  Percentage Rate will affect  the number of monthly  payments  you may have  to make.  
The initial periodic  rate and Annual  Percentage  Rate will  be provided  to you with your Card.  
13. CONDITIONS  UNDER  WHICH  OTHER  CHARGES  MAY  BE IMPOSED.  
a. Returned Check  Charge.  A $25.00 charge will be  made  when a check  submitted by  you for payment  on an  account  is returned to  us, regardless of the  
reason.  
b. 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.  
c. Late Fee. If any payment  is past due for a period  of 10 days,  a late fee will be added  to your account.  The late fee will equal  $25.00.  
d. Replacement  Card  Fee. A $5.00  charge  per card may be imposed  for each  additional  or replacement  card you request.  
e. Additional  PIN Fee. A $2.00  charge  per personal  identification  number  (PIN)  may be imposed  for each  additional  PIN you request.  
f. Attorney�s  Fee. We may impose  the following  fees and charges  on your Account.  If you default  on any part of this Agreement,  you agree  to pay us all costs  
to collect your Account, including court costs and reasonable attorney fees whether or not there is a lawsuit, and fees on an y appeal and fees for bankruptcy  
proceedings,  appeals  and any post-judgment  collection  services,  if applicable.  
14. CONDITIONS  OF CARD  USE.  The use of your Card  and account  are subject  to the following  conditions:  
a. Ownership  of Cards.  Any Card  or other  credit  instrument  or device  which  we supply  you is our property  and must  be returned  to us or to any person  whom  
we authorize  to act as our agent,  or to any person  who is authorized  to honor  the Card,  immediately  according  to instructions.  The Card  may be repossessed  
at any time in our sole discretion  without  demand  or notice.  You cannot  transfer  your Card  or Account  to another  person.  
b. Honoring the Card.  Neither we  nor merchants  authorized to  honor the  Card will  be responsible  for the failure  or refusal  to honor the Card or  any other  credit 
instrument  or device we  supply  you. If a merchant  agrees to give  you a refund or adjustment, you agree to  accept  a credit  to your Account  in lieu of a  cash  refund.  
c. Currency Conversions/Foreign Transaction Fee. Purchase and cash advances made in foreign countries will be billed to  you in U.S. dollars. The currency  
conversion rate for international transactions  as established by  VISA  International,  Inc. is 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 the government -mandated  rate in effect  
for the applicable  central  processing  date.  In addition,  you will be charged  a Foreign  Transaction  Fee of up to 1% of the transaction  amount  for any card 
transaction made  in a foreign  country.  
d. Notices and Payments. All notices will be sent to your address as shown in the application. You agree to advise us promptly i f you change your mailing  address. 
All payments  should be ma iled to us  at the remittance  address shown on your monthly statements. Payments received at that  address will be  credited  to your 
account  as of the  date  received.  
e. Personal Identification Number. We will issue you a Personal Identification Number (PIN) for use with your Card  at VISA NET automatic teller machines  (ATM�s). 
These numbers are issued to you for your security purposes. These numbers are confidential and should not e disclosed to thir d parties. You are  responsible  for 
safekeeping  your PIN. You agree not to disclose or otherwise make available your PIN to anyone not authorized to sign on your Accounts. To  keep  your Account  
secure,  please  do not write  your PIN on your Card  or keep  it in the same  place  as your Card.  
15. DEFAULT. You will be in default  under this Agreement  if any of the following occur: (a)  Any minimum  monthly payment  is not made when due; (b)  You become  
insolvent,  bankrupt,  or you die; (c) You violate  any part of this Agreement,  or any other  agreement  with us; (d) If we reasonably  deem  ourselves  insecure 
or your credit line; or (e) You make any false or misleading statements on a credit application to the Credit Union. We will notify you in writing of any  such  action  
as soon  as practical  if it occurs.  Upon  default,  we may declare  the entire  unpaid  balance  immediately  due and payable,  and you agree  to pay that amount  
plus any attorney  fees and costs  incurred  by us. We can delay  enforcing  any right  under  this Agreement  without  losing  that right  or any other  right.  
16. GOVERNING  LAW.  This Agreement  will not take effect  until it is approved  by us. This Agreement  shall  be governed  by the laws of the State  of Oregon.  
17. LOSS OR THEFT OF CREDIT CARD. You agree to notify us immediately, orally or in writing, at Rogue Credit Union, PO Box 4550, Medford, OR 97501, or  
telephone  (541)  8587328  (after  hours  you may call 1(800)  682-6075  of the loss,  theft,  or unauthorized  use of your Credit  Card.  If you notify  us of your lost 
or stolen  Credit  Card  you may not be liable  for any losses.  This liability  exclusion  will apply  provided  you were  not grossly  negligent  or fraudulent  in handling  
your credit  card;  otherwise  your liability  for unauthorized  VISA  Credit  Card  transactions  may be up to $50.00.  
18. CREDIT INFORMATION/FINANCIAL STATEMENTS. You authorize us to release information to others (e.g. credit bureaus, merchants, and other financial  
institutions) regarding the status and history of your credit line. You agree to provide us, at any time we deem  necessary, with a current financial statement  and/or  
a new credit  application  upon  request.  We may  investigate  your credit  directly  or through  a credit  reporting  agency.  
19. ACKNOWLEDGMENT AND AMENDMENTS. You understand and agree  to the  terms and conditions in this Agreement,  and the  Fair Credit Billing  Notice  made 
a part hereof.  You also understand and agree that you may be subject to other agreements with us regarding transfer instruments or access de vices  which may 
access your credit lime. We re serve the right to amend the terms of this Agreement at anytime as permitted by and subject to any limitations and  notice  
requirements of  applicable  law.  VISA  Classic  Credit  Card  Account Agreement  and Disclosure  Rogue  Credit  Union  
3  ERMC -102 
Rev. 3/21/22  
  
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:  If you think  there  is an error  on your statement,  write  to us at: Rogue  Credit  Union,  PO Box 4550,  
Medford,  OR 97501.  
 
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  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 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 Receive  Your  Letter:  When  we receive  your letter,  we must  do two 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 investigate  whether  or 
not there  has been  an error:  
� We cannot  try to collect  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 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 wh om we reported you as  delinquent, 
and we must let those organizations know when the matter h as 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 acce sses 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  at the above  address.  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 po int, if we think you owe an  amount  
and you do not pay, we may report  you as  delinquent.   4  ERMC -102 
Rev. 3/21/22  
 Rogue  Credit  Union  
VISA  Class ic Credit  Card  Account  Disclosures  
VISA  Card  � Rates  and Fees  
 
INTEREST  RATES  AND  FINANCE  CHARGES  
Annual  Percentage  Rate  (APR)  for Purchases,  
Cash  Advances  & Balance  Transfers   
12.50% - 16.00  % 
Based  on your creditworthiness  and other  factors  as determined  at 
the time of account opening.  
This APR will vary with the market  based  on the Prime  Rate.  
How to Avoid  Paying  Interest  on Purchases  Your  due date  is 25 days  after  the close  of each  billing  cycle.  We 
will not charge  any interest  on the portion  of the purchases  
balance  that you pay by the due date  each  month.  
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: www.consumerfinance.gov/learnmore  
FEES  
 
Annual  Fee  
NONE  
Transaction  Fees  
-- Cash  Advance  Fee  
NONE  
Penalty  Fees  
-- Late Payment  Fee 
-- Returned  Check  Charge  
-- Over --Limit  Charge  Fee  
$25 
$25 
NONE  
Other  Fees  
-- Foreign  Transaction  Fee  
Up to 1% of the US dollar  amount  of the foreign  transaction.  
 
How  We Will Calculate  Your  Balance:  We use a method  called  �average  daily  balance�  (including  new purchases).  
 
Billing  Rights:  Information  on your rights  to dispute  transactions  and how to exercise  those  rights  is provided  in your account  agreement.  
 
Your  APR is based  on the following:  
Index:  Prime  Rate  Margin:  9.00% - 12.50%  
Your  Daily Periodic  Rate  is:    0.03425 % - 0.04384 % 
We reserve  the right  to amend  the VISA  Classic  Credit  Card  Agreement  as permitted  by law. 
The above  rates  and fees are current  as of: March  21, 202 2