CLASSIC MASTERCARD/VISA PLATINUM/ 
VISA CLASSIC/GOLD MASTERCARD 

CONSUMER CREDIT CARD AGREEMENT  

In  this  Agreement,  “Agreement”  means  this  Consumer  Credit  Card  Agreement.  “Disclosure”  means  the  Credit  Card 
Account  Opening  Disclosure.  The  Account  Opening  Disclosure  is  incorporated  into  this  Consumer  Credit  Card 
Agreement and is part of the Agreement. In this Agreement the words "you," “your,” and "yours" 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. 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. Unless disclosed otherwise, the Credit Union 
will not allow advances over the credit limit. If the Credit Union has a program whereby it allows payment of advances 
that exceed  your credit limit, subject to a fee, the Credit Union  will provide you  with notice, either orally, in writing, or 
electronically  (notwithstanding  the  requirements  of  the  paragraph  entitled  “Statements  and  Notices”)  explaining  your 
right to opt in to the Credit Union’s program whereby it will honor advance requests over the credit limit. In the event you 
opt in to such a program, you agree to the terms of such a program. You may request an increase in your credit limit 
only by a method acceptable to the Credit Union. The Credit Union may increase or decrease your credit limit, refuse to 
make an advance and/or terminate your account at any time for any reason not prohibited by law. If you are permitted to 
obtain cash advances on your account, we may, from time to time, issue convenience checks to you that may be drawn 
on  your  account.  Convenience  checks  may  not  be  used  to  make  a  payment  on  your  account  balance.  If  you  use  a 
convenience  check,  it  will  be  posted  to  your  account  as  a  cash  advance.  We  reserve  the  right  to  refuse  to  pay  a 
convenience check drawn on your account for any reason and such refusal shall not constitute wrongful dishonor.   

You may request that we stop the payment of a convenience check drawn on your account. You agree to pay any fee 
imposed to stop a payment on a convenience check issued on your account. You may make a stop payment request 
orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of the 
check for payment to give us a reasonable opportunity to act on your request. In addition, your request must accurately 
describe the check including the exact account number, the payee, any check number that may be applicable, and the 
exact  amount  of  the  check.  If  permitted,  you  may  make  a  stop  payment  request  orally  but  such  a  request  will  expire 
after 14 days unless you confirm your request in writing within that time. Written stop payment orders are effective only 
for six (6) months and may be renewed for additional six month periods by requesting in writing that the stop payment 
order be renewed. We are not required to notify you when a stop payment order expires. If we re-credit your account 
after paying a check or draft over a valid and timely stop payment order, you agree to sign a statement describing the 
dispute with the payee, to assign to us all of your rights against the payee or other holders of the check or draft and to 
assist  us  in  any  legal  action.  You  agree  to  indemnify  and  hold  us  harmless  from  all  costs  and  expenses,  including 
attorney's fees, damages, or claims, related to our honoring your stop payment request or in failing to stop payment of 
an  item  as  a  result  of  incorrect  information  provided  to  us  or  the  giving  of  inadequate  time  to  act  upon  a  stop 
payment request.  

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 and Credit Card Account Opening Disclosure (Disclosure). 
You may use your card to make purchases from merchants and others who accept your card. The credit union is not 
responsible  for  the  refusal  of  any  merchant  or  financial  institution  to  honor  your  card.  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,  from  other  financial 
institutions that accept your card, and from some automated teller machines (ATMs). (Not all ATMs accept your card.) If 
the credit union authorizes ATM transactions with your card, it will issue you a personal identification number (PIN). To 
obtain cash advances from an ATM, you must use the 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.  Even  if  you  use  your 
card  for  an  illegal  transaction,  you  will  be  responsible  for  all  amounts  and  charges  incurred  in  connection  with  the 
transaction.  If  you  are  permitted  to  obtain  cash  advances  on  your  account,  you  may  also  use  your  card  to  purchase 
instruments  and  engage  in  transactions  that  we  consider  the  equivalent  of  cash.  Such  transactions  will  be  posted  to 
your account as cash advances and include, but are not limited to, wire transfers, money orders, bets, lottery tickets, 
and casino gaming chips.  This paragraph shall not be interpreted as permitting or authorizing any transaction that is 
illegal.  

©CUNA MUTUAL GROUP, 1991, 2006, 09, ALL RIGHTS RESERVED  

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3.    PROMISE  TO  PAY  —  You  promise  to  pay  all  charges  (purchases,  cash  advances,  balance  transfers,  use  of 
convenience checks or any other charge) made to your account by you or anyone you authorize to use your account. 
You  also  promise  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, the paragraph on JOINT 
ACCOUNTS also applies to your account.  

4.    PERIODIC  RATES  —  The  periodic  rates  applicable  to  purchases,  cash  advances,  and  balance  transfers  are 
disclosed on the Disclosure that accompanies this Agreement. Any penalty rate that may be imposed for failing to make 
a  payment  by  the  payment  due  date  is  also  disclosed  on  the  Disclosure.  Any  rate  change  will  be  made  pursuant  to 
applicable law. If the rate for your account is variable, as indicated on the accompanying Disclosure, the rate charged 
on  purchases,  cash  advances,  balance  transfers  and  any  penalty  rate  will  vary  periodically  as  disclosed  in  the 
Disclosure accompanying this Agreement. The initial rate on your account for certain types of transactions may be an 
introductory  discounted  rate  (Introductory  Rate)  that  is  lower  than  the  rate  that  would  ordinarily  apply  for  that  type  of 
transaction. If an Introductory Rate applies to your account, the rates and the period of time it will be effective is shown 
on  the  Disclosure  accompanying  this  Agreement.  After  the  Introductory  Rate  period  expires,  the  periodic  rate  will 
automatically  increase  to  the  rates  that  would  ordinarily  apply  for  that  type  of  transaction  based  on  the  terms  of  this 
Agreement.   

5.   FINANCE CHARGES —  

VISA  PLATINUM,  VISA  CLASSIC  AND  GOLD  MASTERCARD.    New  purchases  posted  to  your  account  during  a 
billing cycle will not incur a finance charge for that billing cycle. Finance charge begins to accrue on those purchases 
from  the  first  day  of  the  next  billing  cycle,  unless  you  paid  the  entire  new  balance  on  the  previous  cycle’s  billing 
statement  by  the  payment  due  date  of  that  statement.  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  periodic  rate  to  the  average  daily  balance  of  purchases.  To  compute  the  average  daily 
balance of purchases, we take the beginning outstanding balance of purchases each day and subtract any payments 
and/or credits that we apply to the purchase balance. (We do not add in any purchases posted during the billing cycle.) 
This gives us  the daily balance of purchases. We then  add all of 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 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. We then add all of 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.  

CLASSIC MASTERCARD.  A finance charge begins to accrue on purchases from the date a purchase is posted to your 
account.   

The  finance  charge  is  calculated  separately  for  purchases  and  cash  advances.  For  purchases,  the  finance  charge  is 
computed  by  applying  the  periodic  rate  to  the  average  daily  balance  of  purchases.  To  compute  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.  We  then  add  all  of  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 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. We then add all of 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.  

6.  FOREIGN TRANSACTIONS —   

MASTERCARD.  Purchases and cash advances made in foreign currencies will be debited from your account in U.S. 
dollars.  The  exchange  rate  used  to  convert  foreign  currency  transactions  to  U.S.  dollars  is  either  a  government-
mandated exchange rate or a wholesale exchange rate and is selected by MasterCard. The rate MasterCard uses for a 
particular transaction is the rate MasterCard selects for the applicable currency on the day the transaction is processed.  
This rate may differ from the rate applicable on the date the transaction occurred or was posted to your account.  

©CUNA MUTUAL GROUP, 1991, 2006, 09, ALL RIGHTS RESERVED  

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A fee (finance charge) will be charged on all transactions completed in a foreign currency. All fees are calculated based 
on  the  transaction  amount  after  it  is  converted  to  U.S.  dollars.  These  fees  are  charged  except  where  excluded.    The 
Foreign Transaction Fee is set forth on the Disclosure accompanying this Agreement. 
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  may  differ  from  the  rate  that  would  have  been  used  on  the  purchase  date  or 
cardholder statement posting date. 

A fee (finance charge), 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.  The  Foreign  Transaction  Fee  is  set  forth  on  the  Disclosure  accompanying  this 
Agreement.  

7.   FEES — In addition to the periodic rate, the following additional fees may be imposed on your account. If applicable 
to your account, the fee amounts and explanations are disclosed on the Disclosure accompanying this Agreement. Your 
account may also be subject to additional fees as set forth on the Disclosure accompanying this Agreement. 

a.   Annual Fee. If your account is subject to an Annual Fee, the fee will be added to your account upon the issuance of 
your card. Each year following, the annual fee will be added to your account during the same month that you were first 
charged the fee. The fee will be charged each year until your account is closed and paid in full.  

b.    Card  Replacement  Fee.  If  your  account  is  subject  to  the  Card  Replacement  Fee,  a  fee  will  be  added  to  your 
account for each replacement card that is issued to you for any reason.  

c.    PIN  Replacement  Fee.  If  your  account  is  subject  to  a  PIN  Replacement  Fee,  a  fee  will  be  added  your  account 
whenever you request a new pin number for your account.  

d.  Balance Transfer Fee. If your account is subject to a Balance Transfer Fee, the fee will be added to your account 
when you transfer a balance from an account of another creditor to the account subject to this Agreement.  

e.  Cash Advance Fee (Finance Charge).  If your account is subject to a Cash Advance Fee (finance charge) the fee 
will  be  added  to  your  account  when  you  obtain  a  cash  advance  from  an  ATM,  the  Credit  Union  or  other  financial 
institution.   

f.    Foreign  Transaction  Fee  (Finance  Charge).  If  your  account  is  subject  to  a  Foreign  Transaction  Fee  (finance 
charge),  a  fee  may  be  added  to  your  account  for  transactions  made  outside  of  the  United  States  or  in  a  foreign 
currency.  Transactions made in a foreign currency using a Visa branded card or processed by a network operated or 
affiliated with Visa will be subject to a fee as set forth on the Disclosure accompanying this Agreement.   

g.  Transaction Fee for Purchases. If your account is subject to a Transaction Fee for Purchases, a fee will be added 
to your account for purchases as disclosed on the Disclosure accompanying this Agreement. 

h.  Late Payment Fee. If your account is subject to a Late Payment Fee, the fee will be added to your account when 
you do not make the required minimum payment by or within the number of days of the statement Payment Due Date 
set forth on the Disclosure accompanying this Agreement. 

i.  Over-the-Credit-Limit Fee. If you have elected the feature to allow your account to go over your credit limit, we may 
charge you a fee as allowed by law. However, in no case  will  we  impose an over-the-limit fee except  in the next two 
billing  cycles  unless  you  have  obtained  an  additional  extension  of  credit  in  excess  of  such  credit  limit  during  each 
subsequent cycle or you have reduced the balance below the credit limit as of the end of each bill cycle.  

j.  Returned Payment Fee. If your account is subject to a Returned Payment Fee, the fee will be added to your account 
when a payment is returned to you for any reason.  

k.  Statement Copy Fee. If your account is subject to a Statement Copy Fee, except as limited by applicable law and 
when  the  request  is  made  in  connection  with  a  billing  error  made  by  the  credit  union,  a  fee  may  be  added  to  your 
account for each copy of a sales draft or statement that you request. 

l.  Document Copy Fee. If your account is subject to a Document Copy Fee, except as limited by applicable law, a fee 
may be added to your account for each copy of a sales draft or statement that you request (except when the request is 
made in connection with a billing error made by the Credit Union).  

m.  Rush Fee. If your account is subject to a Rush Fee, except as limited by applicable law, a fee may be added to your  
account for each rush card that you request, providing delivery of the card is also available by standard mail service, 
without paying a fee for delivery. 

©CUNA MUTUAL GROUP, 1991, 2006, 09, ALL RIGHTS RESERVED  

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8.    PAYMENTS  —  Each  month  you  must  pay  at  least  the  minimum  payment  shown  on  your  statement  by  the  date 
specified on the statement. 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 Classic MasterCard, the minimum payment is 
2.00% of your total new balance, or $25.00, 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,  the  minimum  payment  is 
2.00% of your total new balance, or $50.00, 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  Classic,  the  minimum  payment  is 
3.00% of your total new balance, or $25.00, 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 Gold MasterCard, the minimum payment is 
2.00% of your total new balance, or $50.00, 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.  In addition to the minimum payment, you must also 
pay, by the date specified above, the amount of any prior minimum payment(s) that you have not made, all outstanding 
unpaid fees and charges, 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.   

9.  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.  However, in every case, in the event you make a payment in excess of 
the required minimum periodic payment, the Credit Union will allocate the excess amount first to the balance with the 
highest  annual  percentage  rate  and  any  remaining  portion  to  the  other  balances  in  descending  order  based  on 
applicable annual percentage rate.   

10. SECURITY INTEREST — You grant the Credit Union a security interest under the Uniform Commercial Code and 
under any common law rights the Credit Union may have in any goods you purchase.  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.   

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. These other shares may be withdrawn 
unless you are in default under this agreement. 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.   

11. 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 payment  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.  

12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION —   

MASTERCARD.  You agree to notify us immediately, orally or in writing, at 24 McKinley Ave., Endicott, NY 13760 or 
telephone (607) 754-7900 Monday through Friday 8:00 a.m. to 5:00 p.m. or (800) 453-4270 seven (7) days a week, 24 
hours a day, 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.  However, if you exercise reasonable care in safeguarding your card from risk of loss or left, if you 
have not reported two (2) or more incidents of unauthorized use in the last 12 months, and if your account is in good 
standing,  you  will  not  be  liable  for  any  unauthorized  purchase  transactions.  In  any  case,  your  liability  will  not  exceed 
$50.00. 

VISA.  You agree to notify us immediately, orally or in writing, at 24 McKinley Ave., Endicott, NY 13760 or telephone 
(607) 754-7900 Monday through Friday 8:00 a.m. to 5:00 p.m. or (800) 453-4270 seven (7) days a week, 24 hours a 
day, 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 $50.00.  

©CUNA MUTUAL GROUP, 1991, 2006, 09, ALL RIGHTS RESERVED  

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13. CHANGING OR TERMINATING YOUR ACCOUNT — As permitted by law, the Credit Union may change the terms 
of this Agreement and any attached Disclosure 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.  Your  obligation  to  pay  the  account  balance  plus  any  finance  and  other  charges  you  owe  under  this 
agreement  are  subject  to  all  applicable  laws  and  regulations  regarding  repayment  requirements.  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. If this is a joint 
account, the paragraph on JOINT ACCOUNTS of this Agreement also applies to termination of the account.   

14. CHANGING OR TERMINATING AUTHORIZED USERS — Upon your request, we may issue additional cards for 
authorized  users  that  you  designate.  You  must  notify  us  in  writing  of  any  termination  of  an  authorized  user’s  right  to 
access  your  account.  Your  letter  must  include  the  name  of  the  authorized  user  and  your  account  number  and/or  any 
subaccount number issued to the authorized user along with the authorized user's card and any convenience or other 
access checks issued to the authorized  user. If you cannot return the authorized user's card or access checks and if 
you request your account to be closed, we will close your account and you may apply for a new account.  

15. 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).  

16.  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.  

17.  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.  

18.  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 $50.00 and was made in 
your state or within 100 miles of your home.  

19. JOINT ACCOUNTS — If this is a joint account, 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.  

20.  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.  

21. NO WAIVER — The Credit Union can delay enforcing any of its rights any number of times without losing them. 

22.  STATEMENTS  AND  NOTICES  —  Statements  and  notices  will  be  mailed  to  you  at  the  appropriate  address  you 
have given the Credit Union.  Notice sent to any one of you will be considered notice to all.  

23. SEVERABILITY AND FINAL EXPRESSION — This Agreement and the Disclosure are the final expression of the 
terms and conditions of your account.  This written Agreement and Disclosure may not be contradicted by evidence of 
any  alleged  oral  agreement.  Should  any  part  of  this  Agreement  or  the  Disclosure  be  found  to  be  invalid  or 
unenforceable, all other parts of this Agreement and Disclosure shall remain in effect and fully enforceable to the fullest 
extent possible under this Agreement.  

24. COPY RECEIVED — You acknowledge that you have received a copy of this Agreement and Disclosure.  

25.  INTERNET  GAMBLING  TRANSACTIONS  PROHIBITED  —  You  may  not  use  your  card  to  initiate  any  type  of 
electronic gambling transaction through the Internet.  

©CUNA MUTUAL GROUP, 1991, 2006, 09, ALL RIGHTS RESERVED  

 000000 (MXC500 CCM000) 

              
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
26. PENALTY RATE DISCLOSURES — If applicable to your account, all rates for your account, including the rates for 
purchases,  cash  purchases,  cash  advances,  and  balance  transfers,  will  increase  to  the  Penalty  Rate  shown  on  the 
Disclosure accompanying this Agreement when you meet one or more of the conditions as set forth in the Disclosure. 
Any rate increases applied to your account are subject to applicable notice requirements. Please refer to the Disclosure 
for additional information regarding the Penalty Rate.  

27. VOLUNTARY PAYMENT PROTECTION — We may offer Voluntary Payment Protection to you. Voluntary Payment 
Protection is not necessary to obtain credit.  If you purchase Voluntary Payment Protection from us, you authorize us to 
add the fees or insurance charges monthly to your loan balance and charge you interest on the entire balance. At our 
option  we  will  change  your  payment  or  the  period  of  time  necessary  to  repay  the  loan  balance.  The  rate  used  to 
determine  the  fees  or  insurance  charges  may  change  in  the  future.    If  the  rate  changes,  we  will  provide  any  notices 
required by applicable law.   

28. NOTICE TO UTAH BORROWERS — This written agreement is a final expression of the agreement between you 
and the Credit Union. This written agreement may not be contradicted by evidence of any oral agreement.  

29. THE FOLLOWING IS  REQUIRED BY VERMONT LAW — NOTICE TO CO-SIGNER —  YOUR SIGNATURE ON 
THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN.  IF THE BORROWER 
DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.  

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: 

Visions Federal Credit Union  
24 McKinley Ave.  
Endicott, NY 13760  

You may also contact us on the Web: www.vfcu.org  

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  [or  electronically].    You  must  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.  

©CUNA MUTUAL GROUP, 1991, 2006, 09, ALL RIGHTS RESERVED  

 000000 (MXC500 CCM000) 

              
 
 
 
 
 
  
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
-  

If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable 
interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may 
then report you as delinquent if you do not pay the amount we think you owe.  

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you 
still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your 
bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations 
know when the matter has been settled between us.  

If we do not follow all of the rules above, you do not have to pay the first $50 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:  

Visions Federal Credit Union 
24 McKinley Ave.  
Endicott, NY 13760  

www.vfcu.org 

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.  

VISIONS FCU 

CREDIT CARD ACCOUNT OPENING DISCLOSURE 
This Addendum is incorporated into and becomes part of your LOANLINER® Consumer Credit Card Agreement.   

Please keep this attached to your LOANLINER® Consumer Credit Card Agreement. 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for Purchases – This APR will vary with the market based on the 5-Year U.S. Treasury 
Note.  
APR for Cash Advances – This APR will vary with the market based on the 5-Year U.S. Treasury Note. 
APR for Balance Transfers – This APR will vary with the market based on the 5-Year U.S. Treasury Note.   
Paying Interest – Your due date is at least 28 days after the close of each billing cycle.  We do not charge you interest 
on  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.  
For Credit Card Tips from the Federal Reserve Board – To learn more about factors to consider when applying for or 
using a credit card, visit the Web site of the Federal Reserve Boart at  
http://www.federalreserve.gov/creditcard. 

How  We  Will  Calculate  Your  Balance.    We  use  a  method  called  “average  daily  balance  (including  new  purchases).”  
See your account Agreement for more details.  

Billing  Rights.  Information  on  your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in  your 
account Agreement.  

©CUNA MUTUAL GROUP, 1991, 2006, 09, ALL RIGHTS RESERVED  

 000000 (MXC500 CCM000) 

              
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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. 

Periodic Rates * (see Pricing Addendum) 
The Purchase APR is  *   which is a daily periodic rate of   *   . 
The Cash Advance APR is  *   which is a daily periodic rate of   *   . 
The Balance Transfer APR is  *   which is a daily periodic rate of   *   . 

Variable Rate. 
The ANNUAL PERCENTAGE RATE is subject to change on the first day of the billing cycle to reflect any change in the 
Index and will be determined by the 5-Year U.S. Treasury Note on the 15th day of the previous calendar month or the 
preceding  business  day  as  published  in  the  Wall  Street  Journal  “Money  Rates”  table.    The  ANNUAL  PERCENTAGE 
RATE  will  never  be  greater  than  18.00%.    Any  increase  in  the  ANNUAL  PERCENTAGE  RATE  will  take  the  form  of 
additional payments shown as Total Minimum Payments on the statement. 

If  the  Index  is  no  longer  available,  the  Credit  Union  will  choose  a  new  index  which  is  based  upon  comparable 
information.  

Margin * (see Pricing Addendum) 
Purchases will be charged at  *   above the Index. 
Cash advances will be charged at  *  above the Index. 
Balance transfers will be charged at  *  above the Index. 

LOANLINER 
©CUNA MUTUAL GROUP, 2009, ALL RIGHTS RESERVED      DNYHU2 (MXC400 CCM000) 

Pricing Addendum 
VISA Classic, VISA Platinum, MasterCard Gold 

Grace Period 
28 days 

Late Payment Fee 
VISA Classic - $20.00 or the amount of the minimum required payment, whichever is less 

VISA Platinum - $20.00 or the amount of the minimum required payment, whichever is less 

MasterCard Gold - $20.00 or the amount of the minimum required payment, whichever is less  

Purchase APR’s – Variable Rate 
VISA Classic - the 5 year US Treasury Note plus between 9.00 to 12.00 percentage points 

VISA Platinum – the 5 year US Treasury Note plus between 7.00 to 11.50 percentage points  

MasterCard Gold – the 5 year US Treasury Note plus 8.00 percentage points 

Maximum APR is 18% corresponding maximum daily periodic rate is .04932% 

Cash Advance APR – Variable Rate 
VISA Classic – the 5 year US Treasury Note plus between 9.00 to 12.00 percentage points 

VISA Platinum – the 5 year US Treasury Note plus between 7.00 to 11.50 percentage points 

MasterCard Gold – the 5 year US Treasury Note plus 8.00 percentage points 

Maximum APR is 18% corresponding maximum daily periodic rate of .04932% 

Penalty APR 
None 

Minimum Finance Charge 
None 

©CUNA MUTUAL GROUP, 1991, 2006, 09, ALL RIGHTS RESERVED  

 000000 (MXC500 CCM000) 

              
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Cash Advance Fee 
None 

Balance Transfer Fee  
None 

Returned Payment Fee 
$20.00 or the amount of the required minimum payment, whichever is less 

Over Limit Fee 
$20.00 or the amount of the transaction exceeding your credit limit, whichever is less 

- 
- 
- 

None 
$14.00 per year 
$40.00 per year 

Annual Fee 
VISA Classic 
VISA Platinum 
MasterCard Gold 

Statement copy Fee 
$3.00 

Document Copy Fee 
$12.00 

Rush Fee 
$15.85 

Card Replacement Fee 
$5.00 

Pin Replacement Fee 
$5.00 

Foreign Transaction Fee 
Up to 1.00% of each transaction in US dollars 

©CUNA MUTUAL GROUP, 1991, 2006, 09, ALL RIGHTS RESERVED  

 000000 (MXC500 CCM000)