This VISA Credit Card Agreement (Agreement) and the Account Disclosures accompanying
this Agreement will govern your Classic VISA, Secured VISA, Choose Local VISA and 
Platinum Rewards VISA Card and account issued by Unitus Community Credit Union. In 
this Agreement the words “you,” “your,” “yours,” “applicant,” and “Borrowers” mean 
any person who signs the application for this Account, any joint obligor, guarantor,
authorized user, or the person whose name is embossed on the Card. The words “we,” 
“us,” “our,” and “Credit Union” mean Unitus Community Credit Union.  The word “Card”
means any one or more credit cards issued under this Account.  If you sign an 
application for this Account or sign or use any Card or PIN, or allow others to use 
the Card or PIN, you and they will have accepted this Agreement just as if you and 
they signed it, and you and they, jointly and severally, will be bound by the 
following terms and conditions which will govern this Account.

1. Payment
You promise to pay us all amounts, plus any Interest Charges, which arise from use 
of the Card or Account by you or any other person, and to be jointly and severally 
liable with such a person, unless such other person does not have actual, implied, 
or apparent authority for such use, and you received no benefit from the use. You 
promise to pay us either by direct payment or by automatic transfers from shares or 
by payroll deduction. If you request closure of your Account and return all of your 
Visa Credit Cards we will restrict your account and decline authorization requests 
for new transactions; however, you cannot disclaim or avoid responsibility for 
payment by requesting that we close your account.
Authorized Users/Designated Agents:  If you give your Card or your Account number to
another person and authorize that person to make charges against your Account, you 
are liable for all purchases and cash advances made by that person, even if you did 
not anticipate or specifically approve of the charges. If you request Unitus to 
provide a Card to another person as an Authorized User/Designated Agent, we will 
authorize charges made on the Authorized User’s Card until you notify us in writing 
that the person is no longer authorized to make charges and we have sufficient time 
to act on your written notice.  
Warning for Classic and Choose Local Visa accounts: If you authorize another person 
to use your Classic Visa account or your Choose Local Visa account by providing them
with a Card and your PIN number, that person will be able to access all of your 
Unitus lines of credit and deposit accounts (i.e. checking, savings, etc.). By 
authorizing persons who are not joint owners on your Unitus accounts to use your 
Classic Visa card or your Choose Local Visa account, you authorize them to conduct 
transactions on all of your Credit Union accounts. Please refer to the Member and 
Account Agreement and Electronic Funds Transfer Agreement and Disclosure for 
additional information on powers of authorized users/designated agents and 
electronic funds transfers using the Classic Visa card to access your Unitus deposit
accounts.
2. Purchases And Cash Advances
You must sign the Card to use it.  Once you have signed the Card, you can use it to 
buy or lease goods, services, or insurance wherever the Card is honored, up to the 
full amount of your Credit Line.  You may use your Account to get cash advances from
us.  Upon your oral or written direction, cash advances may be made against your 
VISA Account and applied to any of your Credit Union Accounts or other accounts in 
the same manner as if the cash advances were paid to you.  You may also use your 
Card to get a cash advance from participating financial institutions and to access 
your line of credit at automatic teller machines (ATM’s) up to the daily limit 
within the VISA network or any other ATM’s we designate. 
3. Balance Transfers (Processed as a cash advance)
Please allow up to 6 weeks before payments to your other accounts are made.  You 
should continue to make all required payments until you confirm that the balance 
transfers were made.  The Credit Union is not responsible for any merchant delays in
processing transactions.  Balance transfers may not be used to pay any Unitus 
Community Credit Union accounts.  Balance transfers do not earn Unitus Reward 
Points.
4. Credit Line
If we approve your application, this Agreement will constitute a revolving line of 
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credit for an amount, which will be the Credit Line under your Account.  We will 
advise you of the amount of your Credit Line.  That amount will be the maximum 
amount you may have outstanding at any one time. You agree not to attempt to obtain 
more credit than the amount of your credit line.  If you temporarily exceed your 
credit line, you agree to pay any over-limit fees and repay the excess immediately. 
Obtaining such credit does not increase your Credit Line.  We retain the right to 
increase or decrease your Credit Line at any time.  Any increase or reduction in the
amount of your Credit Line will be shown on your monthly statement or by separate 
notice together with any changes in the applicable Minimum Monthly Payments.  Your 
eligibility for this Credit Line is determined by our loan policy and may be 
terminated at our sole discretion, without demand or notice.  You may close your 
Credit Line at any time by notifying us in writing. If you terminate this Agreement 
or if we terminate or suspend your credit privileges, the provisions of this 
Agreement and your liability hereunder shall otherwise remain in full force and 
effect until you have paid us all sums due us under this Agreement and returned all 
Cards.
5. Minimum Monthly Payment
You agree that you will pay each month not less than the minimum monthly payment on 
or before the scheduled monthly due date.  The minimum monthly payment will be 3% of
your outstanding balance (“New Balance”) or $20.00, whichever is greater.  If your 
outstanding balance is $20.00 or less, you agree to pay the balance in full.  The 
total minimum payment due each month is the minimum monthly payment, any amounts 
past due and any over-limit amounts.  You may pay in full for all your purchases and
cash advances each month, or you may repay in monthly installments.  We can accept 
late payments or partial payments, or checks, drafts, or money orders marked 
“payment in full” without prejudice to our rights under this Agreement, which are 
hereby explicitly reserved.  A credit posting from a merchant or reversal of fees do
not constitute a minimum monthly payment.  Your payments may be allocated at the 
Credit Union’s discretion to pay off lower rate balances, such as promotional 
offers, before higher rate balances, such as cash advances or purchases.  Payments 
in excess of the minimum payment will be allocated first to higher rate balances, as
applicable.  From time to time, we may allow you to skip your minimum monthly 
payment due. If you choose to skip that payment, Interest Charges will continue to 
accrue in accordance with this Agreement.  Payments received at: Unitus Community 
Credit Union, P.O. Box 1937, Portland, Oregon 97207, at or before 5:00 PM Pacific 
Time on any business day will be credited to your Account as of that date; payments 
received by mail at that address after 5:00 PM Pacific Time, on a weekend or federal
holiday will be posted to your Account as of the next business day.  Payment 
crediting to your Account may be delayed up to five days if your payment is received
by mail at any other address or not accompanied by the remittance portion of your 
Account statement.
6.       Security Interest 
To secure your Account, you grant us a purchase money security interest under the 
Uniform Commercial Code in any goods you purchase through your Account.  If you 
default, we will have the right to recover any of these goods, which have not been 
paid for through application of your payments in the manner described in Section 5. 
Collateral securing other loans with the Credit Union, in the past and in the 
future, (except loans secured by real property) also secures this Account.  
7. Pledge Of Shares 
By signing the Application, you pledge all of your present and future shares and any
earnings thereon. You understand that if you default on your VISA Account, we may 
apply all that is pledged to your VISA Account (IRA and Keogh accounts are excluded 
from the Pledge of Shares).
8. Periodic Statements
Each month we will send you a statement showing new purchases, cash advances, 
payments, and credits made to your Account during the billing cycle, your Previous 
Balance, your “Total New Balance,” any Interest Charge, and any other charges.  Your
statement also will identify the remaining credit limit available and the Minimum 
Monthly Payment you must make for that billing period and the date it is due.   You 
agree to notify us immediately if you do not receive a monthly statement. You agree 
to retain for statement verification copies of transaction slips resulting from each
purchase, each advance, and other transactions on your Account.  Unless you notify 
us of a billing error as described below, you accept your monthly statement as an 
accurate statement of your Account with us.

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9. Circumstances Under Which A Interest Charge Will Be Imposed
Your Account will be subject to an interest charge, which will be calculated based 
upon a variable interest rate.  The total outstanding balance of purchases and cash 
advances in the Account on the closing date of a billing cycle, including any 
Interest Charge will be shown on the Periodic Statement for that billing cycle as 
the “New Balance.” 
a. Cash Advances. Interest will be imposed on cash advances and balance transfers 
from the date each cash advance or balance transfer is made. There is no grace 
period within which to pay to avoid interest on cash advances or balance transfers.
b. Purchases. Interest will be imposed on the portion of purchases included in the 
new balance that remains unpaid after the date that payment is due. This “grace 
period” allows you to avoid interest on purchases for a billing cycle. However, to 
the extent you do not pay your purchase transactions within the grace period, 
interest will accrue from the first day of the billing cycle in which payment was 
due, and on new purchases from the date such purchases are posted to your account. 
10. Method Used To Determine The Balance On Which The Interest Charge May Be 
Computed And Amount Of Interest Charge
We figure the Interest Charge on your Account by applying the Periodic Rate to the 
“Average Daily Balance” of purchases, balance transfers and cash advances for your 
Account (including current transactions) and multiplying the result by the number of
days in the billing cycle.  To get the “Average Daily Balance” we take the beginning
balance of your Account each day, add any new purchases, balance transfers or cash 
advances, and subtract any payments or credits, unpaid Interest Charges and unpaid 
late charges.  This gives us the daily balance.  Then, we add up all the daily 
balances for the billing cycle and divide the total by the number of days in the 
billing cycle.  This gives us the “Average Daily Balance.”  
11. Periodic Rate And Corresponding Annual Percentage Rate
The Daily Periodic Rate and corresponding Annual Percentage Rate is calculated by 
adding or subtracting a margin to the U.S. Prime Rate published in The Wall Street 
Journal (Western Edition) on the third (3rd) Tuesday of March, June, September, and 
December of each calendar year.  If the third (3rd) Tuesday is a holiday, we will 
use the Prime Rate published the next day.  The Annual Percentage Rate may vary each
quarter.  If more than one Prime Rate is published, we may choose the highest rate. 
If The Wall Street Journal (Western edition) ceases publication or ceases to publish
the Prime Rate, we reserve the right to use the   Prime Rate published in any other 
newspaper of general    circulation, or we may substitute a similar reference at our
sole discretion.  Any increase or decrease in a variable Annual Percentage Rate 
takes effect on the first day of the billing period directly following the month in 
which we calculate the rate.  We then add a margin to the Index.  The margin is 
based on your credit profile and other factors we deem appropriate, and will be 
disclosed at the time you open your Account.  The total of the Index plus the margin
amount added is your Annual Percentage Rate.  Divide the Annual Percentage Rate by 
365 to produce your Daily Periodic Rate.  The maximum Annual Percentage Rate is 18%.
Any increase or decrease in the Annual Percentage Rate will affect the number and 
amount of monthly payments.  The Daily Periodic Rate and corresponding Annual 
Percentage Rate will be shown on your monthly statement. 
12. Conditions Under Which Other Charges May Be Imposed 
We may impose fees and charges on your Account as set forth below. Fee amounts not 
provided below are disclosed on the Unitus Fee Schedule, available on our website at
unitusccu.com.  We reserve the right to assess other fees in the future.  You will 
be notified of any new fees as required by law.
a. Annual Fee. For Visa Cards listed on the Unitus Fee Schedule as having Annual 
Fees, an Annual Fee in the amount shown on the Fee Schedule may be assessed on your 
Visa Card on the anniversary of the Account open date. If your Visa Card’s Annual 
Fee is not listed on the Unitus Fee Schedule, there is no Annual Fee.
b. Late Payment Fee. If your minimum monthly payment is more than 5 days late, your 
Account will be assessed a late fee as set forth on the Unitus Fee Schedule.
c. Account Reconciliation/Research fees.  If you request research of any items or 
documents related to your Visa Account we may charge a fee as set forth on the 
Unitus Fee Schedule. 
d. Returned Mail Fee. If your periodic statement is returned to Unitus from the U.S.
Postal Service as undeliverable, you may be charged a fee as set forth on the Unitus
Fee Schedule.
e. Stop Payment Requests. If you ask us to stop payment on a preauthorized recurring
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transaction as described in Section 22 of this Agreement, you may be charged a fee 
as set forth on the Unitus Fee Schedule.
f. Statement Copy. If you ask for a copy of a periodic statement that has previously
been provided to you electronically or via U.S. Mail, you may be charged a fee as 
set forth on the Unitus Fee Schedule.
g. ATM Fees.  ATM service fees charged by Unitus are set forth on the Unitus Fee 
Schedule.  These fees may vary from time to time.  If you use an ATM that is not 
operated by us, the ATM operator or an ATM network utilized for such transaction may
charge you an ATM surcharge.  The ATM surcharge will be debited from your Account if
you elect to complete the transaction.
h. Currency Conversion.  Purchases and cash advances made in foreign countries and 
foreign currencies will be billed to you in U.S. dollars, and you will be charged 
the Visa Foreign Currency Exchange/Conversion fee as set forth on the Unitus Fee 
Schedule.   The exchange rate between the transaction currency and the billing 
currency used for processing International transactions is: (i) A rate selected by 
Visa from the range of rates available In wholesale currency markets for the 
applicable processing date, which rate may vary from the rate Visa Itself receives, 
plus or minus any adjustment determined by Unitus, or (ii) The government-mandated 
rate in effect for the applicable central processing date, plus or minus any 
adjustment determined by Unitus.
i. Attorney’s Fees and Costs.  If you default on any part of this Agreement, you 
agree to pay us all costs to collect your Account, including court costs and 
reasonable attorney fees whether or not there is a lawsuit, and fees on any appeal 
and fees for bankruptcy proceedings, appeals, and any post judgment collection 
services, if applicable.  These fees and costs may be added to your Account balance 
and will bear interest at the Annual Percentage Rate in effect at that time.
13.     Conditions of Card Use
The use of your Card and Account are subject to the following conditions:
a. Ownership of Cards. Any Card or other credit instrument or device which we supply
to you is our property and must be returned to us, or to any person whom we 
authorize to act as our agent, or to any person who is authorized to honor the Card,
immediately according to instructions. The Card may be repossessed at any time in 
our sole discretion without demand or notice. You cannot transfer your Card or 
Account to another person.
b. Honoring the Card. Neither we nor merchants authorized to honor the Card will be 
responsible for the failure or refusal to honor the Card or any other credit 
instrument or device we supply to you. If a merchant agrees to give you a refund or 
adjustment, you agree to accept a credit to your Account in lieu of a cash refund.

c. Notices and Payments. All notices will be sent to your address as shown in our 
files. If this is a joint Account, we can send monthly statements and notices to 
either of you. You agree to advise us promptly if you change your mailing address. 
All payments should be mailed to us at the remittance address shown on your monthly 
statements. Payments received at that address would be credited to your Account as 
of the date received.  Written notices and inquiries to us must be sent to:

Unitus Community Credit Union
P.O. Box 1937
Portland, OR  97207
503-227-5571 or 1-800-452-0900
Personal Identification Number.  If we issue you a Personal Identification 

 d.
Number (“PIN”) for use with your Card in accessing your line of credit at automatic 
teller machines (“ATM’s”), these numbers are issued to you for your security 
purposes. These numbers are confidential and should not be disclosed to third 
parties. You are responsible for safekeeping your PIN.  You agree not to disclose or
otherwise make available your PIN to anyone not authorized to sign on your Accounts.
If you authorize anyone to use your PIN that authority shall continue until you 
provide us with express revocation of that authority. If you fail to maintain your 
PIN security and we sustain a loss, we may terminate all services on your Accounts 
immediately. To keep your Account secure, do not write your PIN on your Card or keep
it in the same place as your Card.
 e.
law. Any such use will constitute an
transaction(s) as determined by applicable 
event of default under this Agreement. You agree that we will not be liable for any 
use by you or any authorized user(s). You further agree to indemnify and hold us 

Use of Card. Your Card may not be used to make or facilitate illegal 

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action, liability, damages or adverse action that 

harmless from any legal 
results directly or indirectly from such illegal use.
f.       Choose Local Card. To receive the Choose Local discount you must present 
your Choose Local discount card at participating merchants.
14. Default
You will be in default under this Agreement if any of the following occur:  (a) if 
your payments are not made when due; (b) you become insolvent, bankrupt, or you die;
(c) you violate any part of this Agreement, or any other agreement with us; (d) your
payment ability is materially impaired including but not limited to changed 
employment status or increased financial obligations; or (e) if we reasonably deem 
ourselves insecure with respect to your Account.  Upon default, we may declare the 
entire unpaid balance immediately due and payable, and you agree to pay that amount 
plus any attorney’s fees and costs incurred by us.  We can delay enforcing any right
under this Agreement without losing that right or any other right.  We will notify 
you in writing of any such action as soon as practical if it occurs.  
15. Visa Account Obligations
We are not obligated to authorize a transaction involving your Card or Account if:
* You exceeded your Credit Line limit, or your Credit Line limit would be exceeded 
by the transaction;
* You failed to pay an amount owed to us when due;
* You failed to follow any term or condition of this Agreement;
* You notified us or we determined your Card may be lost or stolen, or there may be 
unauthorized access to your account;
* We have revoked your rights under this Agreement because you are in default.
16. Governing Law 
This Agreement will not take effect until it is approved by us.  The laws of the 
State of Oregon shall govern this Agreement.
17. Severability  
If any provision of this Agreement is held invalid, the remaining provisions that 
are severable shall remain in effect.
18. Loss, Theft Or Unauthorized Use Of Card
You agree to notify us immediately of the loss, theft or unauthorized use of your 
Card.  Contact us at:

Unitus Community Credit Union
Attn: Contact Center
P.O. Box 1937, Portland, OR 97207
503-227-5571 or 800-452-0900
TDD 503-795-9898 

You will not be liable for any losses provided you were not grossly negligent or 
fraudulent in handling your Card. In any event, your liability for unauthorized VISA
credit card transactions shall not exceed $50.00.
19. Business Days
Our business days are Monday through Friday, except holidays.
20. Preauthorized Recurring Electronic Transactions 
If you have arranged in advance to use your credit card to make recurring electronic
payment transactions out of your Account(s) for money you owe others, you may stop 
payment of these pre-authorized transactions from your Account.  You must notify us 
orally or in writing at any time up to three (3) business days before the scheduled 
date of the transfer.  We may require written confirmation of the stop payment order
to be made within fourteen (14) days of an oral notification.  If a written 
confirmation is required, we will disclose this requirement together with the 
address to which the confirmation should be sent at the time of the oral 
notification.  If we require written confirmation, the oral stop payment order shall
cease to be binding fourteen (14) days after it has been made.  If you order us to 
stop one of these payments three (3) business days or more before the transfer is 
scheduled, and we do not do so, we will be liable to you for your losses or damages.
21. Acknowledgment And Amendments
We reserve the right to amend the terms of this Agreement at anytime as permitted by
and subject to any limitations and notice requirements of applicable law.

Your Credit Card Billing Rights
Keep this document for future use. This notice tells you about your rights and our 
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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: Unitus Community Credit Union, Attn: Contact 
Center P.O. Box 1937, Portland, OR 97207. 

. In your letter, give us the following information:

• Account information: Your name and account number.
• Dollar amount: The dollar amount of the suspected error.
• Description of problem: If you think there is an error on your bill, describe what
you believe is wrong and why you believe it is a mistake.

You must contact us:

• Within 60 days after the error appeared on your statement.
• At least 3 business days before an automated payment is scheduled, if you want to 
stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing. You may call us, but if you 
do, we are not required to investigate any potential errors and you may have to pay 
the amount in question.

What Will Happen After We Receive Your Letter? When we receive your letter, we must 
do two things:
1. Within 30 days of receiving your letter, we must tell you that we received your 
letter. We will also tell you if we have already corrected the error.
2. Within 90 days of receiving your letter, we must either correct the error or 
explain to you why we believe the bill is correct.
While we investigate whether or not there has been an error:

• We cannot try to collect the amount in question or report you as delinquent on 
that amount.
• The charge in question may remain on your statement, and we may continue to charge
you interest on that amount.
• While you do not have to pay the amount in question, you are responsible for the 
remainder of your balance.
• We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen:

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

If you receive our explanation but still believe your bill is wrong, you must write 
to us within 10 days telling us that you still refuse to pay. If you do so, we 
cannot report you as delinquent without also reporting that you are questioning your
bill. We must tell you the name of anyone to 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:
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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 at the above address. While we investigate, the same
rules apply to the disputed amount as discussed above. After we finish our 
investigation, we will tell you our decision. At that point, if we think you owe an 
amount and you do not pay, we may report you as delinquent.

Revised 02/22/2012

Credit Card Agreement & Disclosure 1

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