Paying InterestWe will begin charging interest on the transaction date.Minimum Interest Chargee NoneFor Credit Card Tips from theConsumer FinancialProtection Bure
auTo learn more about factors to consider when applying for or using a credit card, visit the website of the ConsumerFinancial Protection Bureau at http://www.consumerfinance.gov/learnmoreThe following disclosure represents important details concerning your credit card. The information about costs of the card are accurate as of IMPORTANT CREDIT CARD DISCLOSURESif any changes occurred since the effective date.. You can contact us toll free at (800) 424-3334 or 4875 Eisenhower Avenue, Alexandria, VA 22304, Attn: Account Services, to in quireAnnual Percentage Rate (APR)for Purchases, Cash Advances,& Balance Transfers
9009 LASER FPDF FI19257 Rev 7-2017 COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserv ed.
CommonWealth One
4875 Eisenhower AvenueAlexandria, VA 22304703-823-5211FAX: 703-823-9065www.cofcu.org
FEES:Fees to Open or Maintain yourAccount
� Annual Fee:� Application Fee:
Transaction Fees
� Balance Transfer:� Cash Advance:� Foreign Transaction:NoneNoneNoneNone
Visa Signature Rewards: None;  All other cards:
1%of each transaction in U.S. dollars if the transaction involves a currency conversion
1% of each transaction in U.S. dollars if the transaction does not involve a currency conversion
Penalty Fees
Up to  $25.00 if your payment is late1 day or moreNoneUp to 
$25.00 if your payment is returned for any reason� Late Payment:� Over-the-Credit Limit:� Returned Payment:
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases).VISA PLATINUMVISA PLATINUMREWARDSVISA PLATINUMSECUREDVISA SIGNATUREREWARDS
This APR will varywith the marketbased on thePrime Rate.INTEREST RATES and INTEREST CHARGES:
______%______%,______%,______%, or______%,
depending on your credithistory.This APR will vary with themarket based on the PrimeRate.______%,______%,______%, or______%,
depending on your credithistory.This APR will vary with themarket based on the PrimeRate.______%,______%,______%, or______%,
depending on your credithistory.This APR will vary with themarket based on the PrimeRate.6/2/20207.99 9.998.99 10.997.999.99 11.9911.9912.9913.9915.9916.9917.99 THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR
THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT.
YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITYINTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVEWITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OFCREDIT EXTENDED UNDER THIS AGREEMENT. YOU ALSO AGREETHAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATEAND/OR FEDERAL LAW. IF YOU ARE IN DEFAULT, WE CAN APPLYYOUR SHARES TO THE AMOUNT YOU OWE.Shares and deposits in an Individual Retirement Account or any other account that would lose special tax treatment under state or fe deral law if given are not subject to this security interest.If you have other loans with us, collateral securing such loans  will also secure your obligations under this Agreement, unless that other  collateral is your principal residence or non-purchase money household goo ds.CREDIT CARD AGREEMENT
Others Using Your Account. If you allow anyone else to use your account,you will be liable for all credit extended to such persons. You  promise to pay for all purchases and advances made by anyone you authorize to use your account, whether or not you notify us that he or she will be us ing it. If someone else is authorized to use your account and you want to end that person's privilege, you must notify us in writing, and if he or  she has a Card, you must return that Card with your written notice for it to be  effective. Ownership of Card. Your Card remains our property and may be cancelledby us at any time without notice. You agree to surrender your C ard and to discontinue use of the account immediately upon our request.Interest Charges. You agree to pay interest at the rate(s) disclosed to you atthe time you open your account and as may be changed from time to time in accordance with applicable law.Average Daily Balance including newtransactions: Interest Charges will accrue on your average daily balanceoutstanding during the month. To get the average daily balance,  we take the beginning balance each day, add any new purchases, cash advance s, balance transfers or other advances, and subtract any payments,  unpaid interest charges, and unpaid late charges. This gives us the da ily balance. Then, we add up all the daily balances for the billing cycle an d divide that by the number of days in the billing cycle. We then multiply that by the periodic rate corresponding to the Annual Percentage Rate on your accoun t. If you have different rates for purchases, cash advances or balance tr ansfers, separate average daily balances for each will be calculated and  t h e appropriate periodic rate is then applied to each.No Grace Period: There is no time period in which to pay in order to avoidInterest Charges.Fees.In addition to the Interest Charges set forth above, you agree to also pay any and all fees that you incur as disclosed to you on your  Truth-in- Lending Statement or similar disclosures (as may be amended fro m time to time), or as disclosed to you during the term of your Card.If Your Card is Lost or Stolen or if an Unauthorized Use Occurs . You agree to notify us immediately if your Card is ever lost or sto len or if an unauthorized use may have occurred. "Unauthorized use" means th e use of the Card by someone other than you who does not have actual, im plied or apparent authority for such use, and from which you receive no benefit. The telephone number to call is (800) 449-7728. You agree to follow  up your call with notice in writing to us at: PO Box 31281, Tampa FL 33631-3 281. You also agree to assist us in determining the facts, circumstances and other pertinent information relating to any loss, theft or possible unauthorize d use of your Card and comply with such procedures as we may require in conne ction with our investigation. You will be liable for any unauthorized use only if we can prove that you were grossly negligent in your use or handling o f your Card, or if we can prove that you used your Card fraudulently.Minimum Payment Due; Crediting of Payments. Payments are due in the amount and on the date disclosed on your billing statement. If your payment is received by us on a business day at the address and by the t ime designated on the billing statement, it will be credited to you r account on the date of receipt. If payment is made at any location other than the address designated on the periodic statement, credit for such payment m ay be delayed up to five (5) days. Payments will be applied in any or der we determine, subject to applicable law.Default; Acceleration; Credit Suspension; Collection Costs.  You will be in default if: (1) you fail to make any payment on time; (2) if yo
u fail to keep any promises you have made under this Agreement or under other Agre ements you have with us; (3) if you die; (4) if you file a petition in  bankruptcy or have a bankruptcy petition filed against you, or if you become involve d in anyIN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS  THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT C ARD ISSUED TO YOU OR THOSE DESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US" , "OUR" AND THE "CREDIT UNION" MEANS COMMONWEALTH ONE FEDERAL C REDIT UNION OR ITS SUCCESSORS. BY USING YOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS S ET FORTH HEREIN.
page 1 of 3Using Your Card. You can purchase or lease goods and services from anymerchant who honors your Card, and you may obtain cash advances  from financial institutions and ATM machines that accept the Card, u p to your maximum credit limit. You agree not to present your Card or obt ain a cash advance for any extension of credit in excess of your available  credit limit; however, if you do exceed your credit limit, you agree to make immediate payment sufficient to bring the balance below the credit limit.  Certain purchases and cash advances require authorization prior to comp letion of the transaction. In some cases, you may be asked to provide identif ication. If our system is not working, we may not be able to authorize a transa ction, even though you have sufficient credit available. Also, for security  reasons, we may block the use of your Card in certain countries or geographic a reas. We will have no liability to you or others if any of these events occur . Personal Identification Number (PIN).  We may issue a Personal Identification Number (PIN) for use with your Card. This PIN is  confidential and should not be disclosed to anyone. You may use your PIN and  your Card to access your account, and all sums advanced will be added to your account balance. In the event a use of your PIN constitutes an Electron ic Funds Transfer, the terms and conditions of your Electronic Funds Tra nsfer Agreement may affect your rights.Promise To Pay. You promise to pay us in U.S. dollars for (a) all purchases,cash advances, and balance transfers made by you or anyone whom  y o u authorize to use the Card; (b) all Interest Charges and all oth er charges or fees; (c) collection costs and attorney's fees as permitted by applicable law, and any costs incurred in the recovery of the Card; and (d) cre dit in excess of your credit limit that we may extend to you.Illegal Transactions. You agree that your Card and account will not be usedto make or facilitate any illegal transactions as determined by  applicable law; and that any such use will constitute an event of default under this Agreement. We may decline any transaction that we believe to be illegal un der applicable law, including but not limited to any transaction involving or relating to any gambling activity. You agree that we will have no liability or responsibility for any such use by you or any authorized user(s); or for declining  a n y  s u c h transaction. You further agree to indemnify and hold us harmles s from any suits, liability, damages or adverse action of any kind that re sults directly or indirectly from such illegal use. You promise to pay us any and  all amounts owing on your Card for any transactions made by you, even if th e transaction is determined to be illegal.Joint Accounts. Each of you will be responsible, jointly and severally, for th e repayment of amounts owed, regardless of who initiated any tran saction under the account.9011 LASER FPDF FI19259 10-2016 COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserv ed.
CommonWealth One
4875 Eisenhower AvenueAlexandria, VA 22304703-823-5211FAX: 703-823-9065www.cofcu.org IN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS  THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT C ARD ISSUED TO YOU OR THOSE DESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US" , "OUR" AND THE "CREDIT UNION" MEANS COMMONWEALTH ONE FEDERAL C REDIT UNION OR ITS SUCCESSORS. BY USING YOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS S ET FORTH HEREIN.
insolvency, receivership or custodial proceeding; (5) if anyone  attempts to take any of your funds held by us via legal process or if you h ave a judgment or tax lien filed against you; (6) if you make any false, inacc urate, or misleading statements in any credit application or credit updat e; or (7) if we, in good faith, believe that your ability to repay what you owe is or soon will be impaired, or that you are unwilling to make your payments.If you are in default, we have the right to demand immediate pa yment of your full account balance without giving you notice. If immediate pa yment is demanded, you agree to continue paying interest charges and fee s until what you owe has been paid, and any shares that were given as securi ty for your account may be applied towards what you owe. You agree to pay a ll reasonable costs of collection, including court costs and attor ney's fees, and any costs incurred in the recovery of the Card, subject to appl icable law. 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. Additional Benefits/Card Enhancements . We may from time to time offer additional services to your Account at no additional cost to yo u. You understand that we are not obligated to offer such services and  may withdraw or change them at any time.Convenience Checks. We may, at our discretion, issue checks to you whichmay be used for any purpose other than making a payment for cre dit to your account. By signing such check, you authorize us to pay the ite m for the amount indicated and post such amount as a cash advance to your  account. We do not have to pay any item which would cause the outstandin g balance in your account to exceed your credit limit.Credit Information. We may from time to time request personal informationfrom you or obtain credit reports from the credit reporting age ncies for the purpose of updating your credit status. Your failure to provide  such information when requested by us may result in suspension of credit privile ges under this Agreement, including your ability to obtain any future advances  by any means. You authorize us to investigate your credit standing whe n opening or reviewing your account. You authorize us to disclose informatio n regarding your account to credit bureau and creditors who inquire about y our credit standing.Foreign Transactions; Currency Conversion.  Purchases and cash advances made in foreign currencies will be billed to you in U. S. dollars. The conversion rate in dollars will be a rate selected by the card company from a range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate the card company itself receives, or the government-mandated rate in effect for the applicable central processing date in each instance. All transactions proc essed outside of the United States (which may include internet transactions) will be charged a foreign transaction fee in the amount disclosed on your Truth -in-Lending Statement (as amended from time to time).Termination; Change-in-Terms. We may, by written notice, terminate thisAgreement at any time, subject to applicable law. You may termi nate this Agreement by written notice. Termination by either party shall not affect your obligation to repay any balance on your account resulting from use of the Card as well as Interest Charges and fees incurred. We may chan ge the terms of this Agreement, including the method of calculating th e periodic rate, at any time, by written notice, subject to applicable law. Use of the Card constitutes agreement and acceptance of any change in terms, un less applicable law requires otherwise. Our failure to exercise any of our rights or
to take any action shall not constitute a waiver of those right s, or an amendment or change in any of the terms of this Agreement.Late or Partial Payments. Any payment that delays the reduction of yourbalance will increase your total interest costs. Partial paymen ts or prepayments will not delay your next scheduled payment - you wi ll still need to make the minimum scheduled payment by the next scheduled due  date to keep your account current. We may accept late payments, partial  payments, checks or money orders marked "payment in full" and such action  shall not constitute final settlement of your account or a waiver or forg iveness of any amounts owing under this Agreement.Enforcement. We do not lose our rights under this or any related agreementif we delay enforcing them. If any provision of this or any rel ated agreement is determined to be unenforceable or invalid, all other provisions  remain in full force and effect.Returns and Adjustments. Merchants and others who honor the Card maygive credit for returns or adjustments, and they will do so by submitting a credit slip which will be posted to your account. If your credi ts and payments exceed what you owe us, the amount will be applied against futu re purchases and cash advances. If the credit balance amount is $1 or more, it will be refunded upon your written or verbal request.Plan Merchant Disputes. We are not responsible for the refusal of any planmerchant or financial institution to honor your Card. Also, we are not responsible for goods or services that you purchase with the Ca rd unless: (a) your purchase was made in response to an advertisement we sent or participated in sending you; or (b) your purchase cost more tha n $50 and was made from a plan merchant in your state or within 100 miles of your home; and only if you have made a good faith attempt, but have been u nable to obtain satisfaction from the plan merchant. You must resolve al l other disputes directly with the plan merchant. We do not warrant any  merchandise or services purchased by you with the Card.Statements and Notices. Statements and notices will be mailed to you at themost recent postal address or e-mail address (if you have elect ed to receive such documents via electronic means) you have given us. Notice sent to any one of you will be considered notice to all.Notification of Address Change. You will notify us promptly if you changeyour address for any reason. In order to prevent identity theft , your identity may need to be verified before we act upon the notification.Copy Received. You acknowledge that you have received a copy of thisAgreement.Governing Law. This Agreement shall be construed under federal law andstate law in the state in which we are primarily located, and t he venue shall be located in the county and state in which we are primarily locat ed. Operating regulations of Visa may also apply. This Agreement is the contr act that applies to all transactions even though the sales, cash advance, conven ience check, credit or other slips you sign or receive may contain different  terms. NOTICE TO UTAH BORROWERS:  This written agreement is a final expression of the agreement between you and the Credit Union. T his written agreement may not be contradicted by evidence of any oral agree ment.
page 2 of 3 YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE
page 3 of 31.2.3.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 StatementIf you think there is an error on your statement, write to us a t the address(es) listed on your statement.In your letter, give us the following information:
Within 60 days after the error appeared on your statement.At least 3 business days before an automated payment is schedul ed, if you want to stop payment on the amount you think is wrong.��You must contact us: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 LetterWhen we receive your letter, we must do two things: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. Within 90 days of receiving your letter, we must either correct  the error or explain to you why we believe the bill is correct.1.2.����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 maycontinue to charge you interest on that amount.While you do not have to pay the amount in question, you are re sponsible for the remainder of your balance.We can apply any unpaid amount against your credit limit. If all of the criteria above are met and you are still dissatis fied with the purchase, contact us in writing at the address(es) listed on yo ur statement. While we investigate, the same rules apply to the disputed amou nt as discussed above. After we finish our investigation, we will tel l you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.If you receive our explanation but still believe your bill is w rong, you must write to us within 10 days telling us that you still refuse to pay. I f you do so, we cannot report you as delinquent without also reporting that you  a r e questioning your bill. We must tell you the name of anyone to w hom 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 of the amount you question even if your bill is correct.Your Rights If You Are Dissatisfied With Your Credit Card Purch ases If you are dissatisfied with the goods or services that you hav e purchased with your credit card, and you have tried in good faith to correct t he problem with the merchant, you may have the right not to pay the remaining a mount due on the purchase.To use this right, all of the following must be true:If we made a mistake: You will not have to pay the amount in qu estion 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 s end 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 t hink you owe.��After we finish our investigation, one of two things will happe n:
The purchase must have been made in your home state or within 1 00 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if yo ur purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)You must have used your credit card for the purchase. Purchases  made with cash advances from an ATM or with a check that accesses yo ur credit card account do not qualify.You must not yet have fully paid for the purchase.1.2.3.While we investigate whether or not there has been an error:Your name and account number.The dollar amount of the suspected error.If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.