6061 W Interstate 10 
San Antonio, TX 78201 
210-258-1234 
CreditHuman.com 

SPURS REWARDS MASTERCARD LEVEL I  
SPURS REWARDS MASTERCARD LEVEL II  
SPURS REWARDS MASTERCARD LEVEL III  
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 Mastercard credit card and any duplicates, renewals, or substitutions the Credit Union 
issues to you; 'account” means your Mastercard 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 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  or  credit  card  account  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  and  money  orders.  This  paragraph  shall  not  be  interpreted  as  permitting  or  authorizing  any 
transaction that is illegal. 
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 

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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 — New purchases posted to your account during a billing cycle will not incur a finance charge for that 
billing cycle if you had a zero or credit balance at the beginning of that billing cycle, or you paid the entire new balance on the 
previous cycle’s billing statement by the payment due date of that statement; otherwise a finance charge will accrue from the date 
a purchase is posted to your account. To avoid an additional finance charge on the balance of purchases, you must pay the entire 
new  balance  on  the  billing  statement  by  the  payment  due  date  of  that  statement.  A  finance  charge  begins  to  accrue  on  cash 
advances from the date you get the cash advance or from the first day of the billing cycle in which the cash advance is posted to 
your account, whichever is later (transaction date). 
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 calculate 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 calculate 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  —  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. 
A fee (finance charge) will be charged on all transactions completed outside of the United States, where the cardholder’s country 
code differs from the merchant’s country code. 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. 
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.  Foreign  Transaction  Fee  (Finance  Charge).  If  your  account  is  subject  to  a  Foreign  Transaction  Fee 
(finance charge), a fee may be charged to your account for transactions made outside of the United States or in a foreign 
currency. 
b.  Late Payment Fee. If your account is subject to a Late Payment Fee, the fee will be charged 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. 
c.  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. 
d.  Returned Payment Fee. If your account is subject to a Returned Payment Fee, the fee will be charged to your 
account when a payment is returned for any reason. 

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).  The  minimum  payment  is  3.00%  of  your  total  new  balance,  or  $10.00,  whichever  is 
greater, plus the amount of any prior minimum payments that you have not made, all outstanding unpaid fees and charges, and 
any amount you are over your credit limit by the date specified on the statement. The Credit Union also has the right to demand 
immediate payment of any amount by which you are over your credit limit. In accordance with applicable law, the Credit Union 
may not post payments to your account or reflect them in your available credit limit on the date they are received. The Credit 
Union may delay replenishing your credit limit until the date the payment is posted or the Credit Union confirms the payment 
has cleared. 
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 

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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. 
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 paying finance charges at the periodic rate charged before 
default, until what you owe has been paid, and any shares that were given as security for your account may be applied towards 
what you owe. 
12. LIABILITY  FOR  UNAUTHORIZED  USE-LOST/STOLEN  CARD  NOTIFICATION  —  You  agree  to  notify  us  immediately, 
orally or in writing, at PO Box 1356, San Antonio, TX 78295-1356 or telephone (866) 839-3485 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 theft and, upon discovering the loss or 
theft promptly report the loss or theft to us, you will not be liable for any unauthorized transactions. In any case, your liability will 
not exceed $50.00. 
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 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. 

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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 or delivered 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. GAMBLING TRANSACTIONS PROHIBITED — You may not use your card to initiate any type of gambling transaction. 
26.  PENALTY  RATE  DISCLOSURES  —  If  applicable  to  your  account,  all  rates  for  your  account,  including  the  rates  for 
purchases,  cash  advances,  and  balance  transfers,  will  increase  to  the  Penalty  Rate  when  you  meet  one  or  more  of  the 
conditions as set forth in the Disclosure accompanying this Agreement. 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. 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. 
28.  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. 

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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 listed on your statement. 
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  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 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 the 
address listed on your statement. 
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. 

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