� CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved 10424508-MXC30-P-1-072621 (MXC305-E) 
CONSUMER 
CREDIT CARD 
AGREEMENT 
AND 
DISCLOSURE 
VISA 
This Consumer Credit Card Agreement and Disclosure together with the Acco unt Opening Disclosure and any other 
Account opening documents or any subsequent documents provided to You re lated to this Account (hereinafter 
collectively referred to as �Agreement�) govern the terms and conditions of this Account. �We,� �Us,� �Our� and �Ours� and 
�Credit Union� refers to Partners Federal Credit Union with which this Agreement is made. �You,� �Your,� and �Yours�
refers to each applicant and co-applicant for the Account; any person respo nsible for paying the Account; and anyone You 
authorize to use, access or service the Account. "Card" means the Visa �credit card and any other access devices, 
duplicates, renewals, or substitutions, including convenience checks, th e Credit Union issues to You. "Account" means 
the line of credit established by this Agreement and include s Your Card. 
SECURITY INTEREST 
You grant the Credit Union a security interest under the Uni form 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 ha ve been specifically pledged to secure Your Account 
until the Credit Union agrees to release all or part of th e pledged amount. 
You grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us no w 
and in the future to secure Your credit card Account. Sha res and deposits in an IRA or any other account that 
would lose special tax treatment under state or federal la w if given as security are not subject to the security 
interest You have given in Your shares and deposits. Y ou may withdraw these other shares unless You are in 
default. When You are in default, You authorize Us to appl y the balance in these accounts to any amounts due. 
For example, if You have an unpaid credit card balanc e, You agree We may use funds in Your account(s) to pay 
any or all of the unpaid balance. 
Unless otherwise prohibited by federal and/or state law, coll ateral securing other loans You have with the Credit Union 
may also secure this loan, except that a dwelling will never b e considered as security for this Account, notwithstanding 
anything to the contrary in any other Agreement. 
1. USING YOUR ACCOUNT � By using the Account or keeping the Card, You agree to the terms of this A greement. 
You agree to use Your Account in accordance with this Agreement. Your Accou nt must only be used for lawful 
transactions. 
2. CREDIT LIMIT � We may establish a credit limit as part of this Agreement, which You promise n ot to exceed. If You 
exceed the credit limit, You promise to repay immediately the amount which e xceeds the credit limit, including amounts 
due to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method 
acceptable to the Credit Union. We may increase or decrease Your credit limi t, refuse to make an advance and/or 
terminate Your Account at any time for any reason permitted by la w. 
3. CONVENIENCE CHECKS � 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 Accou nt. If You use a convenience 
check, it will be posted to Your Account as a cash advance. We reserve the right t o refuse to pay a convenience check 
drawn on Your Account for any reason and such refusal shall not constitute w rongful dishonor. You may request that We 
stop the payment of a convenience check drawn on Your Account. You agree to p ay any fee as identified in this 
Agreement imposed to stop a payment on a convenience check issued on Your Accoun t. 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 re quest. In addition, Your request must 
accurately describe the check including the exact Account number, the payee, a ny check number that may be applicable, 
and the exact amount of the check. If permitted, You may make a stop payment requ est orally but such a request will 
expire after 14 days unless You confirm Your request in writing within t hat time. Written stop payment orders are effective  Page 2 of 6
10424508-MXC30-P-1-072621 (MXC305-E) only for six months and may be renewed for additional six month period s 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 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 Y our rights against the payee or other holders of 
the check and to assist Us in any legal action. 
You agree to indemnify and hold Us harmless from all costs and expenses, in cluding 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 upo n a stop payment request. Note: A convenience 
check is not a check as that term is defined under the Uniform Commercial C ode. It is an advance from Your credit card 
Account with Us and Your stop payment rights are provided under this Agreement with Us. 
4. REPAYMENT � You promise to repay all amounts You owe under this Agreement. Your pro mise to repay includes 
all transactions made to Your Account by You or anyone You authorize to u se Your Account as well as all interest 
charges and fees. 
For each billing period, You must pay at least the Minimum Pa yment Due by the Payment Due Date. 
The Minimum Payment Due is 2.50% of Your total New Balance, or $10.0 0, whichever is greater, plus any amount past 
due and any amount by which You have exceeded Your applicable credit li mit. If Your total New Balance is less than 
$10.00, then Your Minimum Payment Due is the amount of the t otal New Balance. 
You may pay more frequently, pay more than the Minimum Payment Due 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 Due each month Your 
Account has a balance (other than a credit balance). The Credit Union may delay replenishing Your credit limit until the 
date the payment is posted or the Credit Union confirms the p ayment has cleared. 
Your payment of the required Minimum Payment Due may be applied to what Y ou owe the Credit Union in any manner 
the Credit Union chooses, as permitted by applicable law. If You make a p ayment in excess of the required Minimum 
Payment Due, the Credit Union will allocate the excess amount first to th e balance with the highest annual percentage 
rate (�APR�) and any remaining portion to the other balances in descendi ng order based on applicable APR, unless 
otherwise prescribed by applicable law. We may accept checks marked "payment in f ull" or with words of similar effect 
without losing any of Our rights to collect the full balan ce of Your Account with Us. 
5. INTEREST AND FINANCE CHARGES � We will begin charging You interest on purchases on the date the 
transaction is posted to Your Account. We will begin charging You inte rest on cash advances and balance transfers on 
the date of the transaction or the first day of the billing cycle in which the transaction is posted to Your Account, whichever 
is later (transaction date). However, We will not charge You any interest on new purchases if Your Account had a zero or 
credit balance at the beginning of that billing cycle, or You paid th e entire new balance on the previous cycle's billing 
statement by the Payment Due Date of that statement. To avoid an addit ional finance charge on the balance of 
purchases, You must pay the entire new balance on the billi ng statement by the Payment Due Date of that statement. 
How We Calculate Your Balance: 
Interest charges on Your Account are calculated separately for purchases, ba lance transfers and cash advances 
(�Transaction Type�). We figure the interest charge for each Transaction Type by applying the periodic rate to each 
corresponding �average daily balance.� To get the �average daily balance � for a Transaction Type We take the beginning 
balance for that Transaction Type each day, add any new transactions of t hat type, and subtract any unpaid interest or 
other finance charges and any applicable payments or credits. This give s Us the daily balance for each Transaction Type. 
Then, for each Transaction Type, We add up all the daily balances for the billing cycle and divide each total by the 
number of days in the billing cycle. This gives Us the �average d aily balance� for each Transaction Type. 
6. FEES � In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to Your 
Account, the fee amounts and explanations are disclosed on the Account O pening Disclosure accompanying this 
Agreement. 
7. FOREIGN TRANSACTIONS � Purchases and cash advances made in foreign currencies will be debited from Y our 
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 rate s available in wholesale currency markets for the 
applicable transaction date, which rate may vary from the rate Visa itself re ceives, or the rate mandated by the 
government or governing body in effect for the applicable transaction d ate. The exchange rate used on the transaction 
date may differ from the rate that would have been used on the processing 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 transact ion that You complete or a merchant 
completes on Your Card outside of the United States, with the excepti on of U.S. military bases, U.S. territories, U.S. 
embassies, or U.S. consulates. Transactions completed by merchants outside o f the United States are considered foreign 
transactions, regardless of whether You are located inside or outside th e United States at the time of the transaction. The 
Foreign Transaction Fee is set forth on the Account Opening Disclosure accompanying this Agreement. Page 3 of 6
10424508-MXC30-P-1-072621 (MXC305-E) 8. AUTHORIZATIONS � We do not guarantee authorization of a transaction, either by Us or b y a third party, even if 
You have sufficient credit available. You agree that We will not be li able for failing to give an authorization. We also 
reserve the right to limit the number of transactions that may be approved in one day. We reserve the right to deny certain 
transactions for any reason and at Our sole discretion, including for de fault, suspected fraudulent or unlawful activity, 
internet gambling or any indication of increased risk related to the tra nsaction or the Account. You agree that We have no 
requirement to notify You of the specific reason We denied a transaction . If We detect unusual or suspicious activity, We 
may suspend Your credit privileges until We can verify the activity, or We may close the Account.
9. INFORMATION UPDATING SERVICE AND AUTHORIZATIONS � If You have authorized a merchant to bill charges 
to Your Card on a recurring basis, it is Your responsibility to notify the merchant in the event Your Card is replaced, Your 
Account information (such as Card number or expiration date) changes, or Yo ur Account is closed. However, if Your Card 
is replaced or Your Account information changes, You authorize Us, witho ut obligation on Our part, to provide the updated 
Account information to the merchant in order to permit the merchant to bill re curring charges to Your Card. You authorize 
Us to apply such recurring charges to Your Card until You notify Us that Y ou have revoked authorization for the charges 
to Your Card. 
Your Card is automatically enrolled in an information updating service . Through this service, Your updated Account 
information (such as Card number or expiration date) may be shared with part icipating merchants to facilitate continued 
recurring charges. Updates are not guaranteed before Your next payment to a merchant is due. You are responsible for 
making direct payment until recurring charges resume. To revoke Your authorizatio n allowing Us to provide updated 
Account information to a merchant, please contact Us.
10. PREAUTHORIZED CHARGES � We may suspend preauthorized recurring charges with merchants if, for example,
Your Card is lost or stolen, You default, or We change Your Account fo r any reason. If preauthorized recurring charges 
are suspended, You are responsible for making direct payment for such charges un til You contact the merchant to 
reinstate recurring charges. 
11. DEFAULT � You will be in default under this Agreement if You fail to pay the Minimum Payment Due by its Payment 
Due Date; pay by a check or similar instrument that is not honored or tha t We must return because it cannot be 
processed; pay by automatic debit that is returned unpaid; make any fal se or misleading statements in any credit 
application or credit update; file for bankruptcy; or die. You will a lso be in default if You fail to comply with the terms of this 
Agreement or any other Agreement You have with Us. 
If You default, We may close Your Account and require You to pay any unp aid balance immediately, subject to applicable 
law. In this Agreement and on Your Credit Card Application, You gave Us a security interest in all individual or joint share 
and/or deposit accounts with the Credit Union and authorized Us, if Y ou defaulted, to apply the balance in these accounts 
to any amounts due. You agree We may rely on Your agreement and authori zation to, upon Your default, apply any 
balance to any amounts due on Your Account.
12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFI CATION � If You notice the loss or theft of 
Your credit card or a possible unauthorized use of Your Card, You should w rite to Us immediately at P.O. Box 10000,
Lake Buena Vista, FL, 32830-1000 or call Us at (800) 449-7728, seven da ys a week 24 hours a day or collect at (410) 
581-9994 outside the U.S., seven days a week 24 hours a day .
You will not be liable for any unauthorized use that occurs after You notify Us. You may, however, be liable for 
unauthorized use that occurs before Your notice to Us. You will have no li ability for unauthorized use unless You are 
found to be fraudulent or negligent in the handling of Your Accoun t or Card. In any case, Your liability for unauthorized 
transactions will not exceed $50. 
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. To the extent permitted by law, changes to the Agree ment may apply to Your existing account balance as 
well as to future transactions. 
Arizona, California, Idaho, Louisiana, New Mexico, Nevada, Te xas, Washington, and Wisconsin Residents - Either 
You, Your spouse or the Credit Union may terminate this Agreement at an y time, but termination by You, Your spouse or 
the Credit Union will not affect Your obligation to pay the accoun t balance plus any finance and other charges You or Your 
spouse 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 regul ations regarding repayment requirements. The Card 
or Cards You receive remain the property of the Credit Union and You must reco ver and surrender to the Credit Union all 
Cards upon request or upon termination of this Agreement whet her by You or the Credit Union. 
Residents of all other states - Either You or the Credit Union may terminate this Agreement at any ti me, 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 b alance plus any finance and other charges You owe 
under this agreement are subject to all applicable laws and regulati ons regarding repayment requirements. 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 whet her by You or the Credit Union.  Page 4 of 6
10424508-MXC30-P-1-072621 (MXC305-E) 14. AUTHORIZED USERS � Upon Your request, We may issue additional Cards for authorized users th at You 
designate. You must notify Us in writing of any termination of an aut horized user's right to access Your Account. Your 
notice must include the name of the authorized user and Your Account numbe r and/or any subaccount number issued to 
the authorized user along with the authorized user's Card and any conven ience 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. Al ternatively, We may, at Our sole discretion, 
issue You a new Account number and a new Card. 
15. CREDIT REPORTS � You authorize the Credit Union to obtain credit reports and any other information We may 
need to verify Your identity and use of the Account when opening You r Account and for any update, increase, renewal, 
extension, collection, or review of Your Account. You authorize the Cred it Union to disclose information regarding Your 
Account to credit bureaus and creditors who inquire about Your credit standing. 
16. JOINT ACCOUNTS � If this is a joint Account, each of You will be individually and joi ntly responsible for paying all 
amounts owed under this Agreement. This means that the Credit Unio n can require any one of You individually to repay 
the entire amount owed under this Agreement. Each of You authorizes t he other(s) to make transactions on the Account 
individually. Any one of You may terminate the Account and the  termination will be effective as to all of You.
17. EFFECT OF AGREEMENT � This Agreement is the contract which applies to all transactions on You r Account even 
though the sales, cash advances, credit or other slips You sign o r receive may contain different terms. 
18. SEVERABILITY AND FINAL EXPRESSION � This Agreement is the final expression of the terms and conditions of 
Your Account. This written Agreement may not be contradicted by evidence of any alleged oral Agreement. Should any 
part of this Agreement be found to be invalid or unenforceable, all o ther parts of this Agreement shall remain in effect and 
fully enforceable to the fullest extent possible under this Agreement.
19. ILLEGAL TRANSACTIONS PROHIBITED � You agree that You will not use Your Card for any transaction, includi ng 
any type of electronic gambling transaction through the Inte rnet, that is illegal under applicable federal, state, or local law.
Even if You use Your Card for an illegal transaction, You will be respon sible for all amounts and charges incurred in 
connection with the transaction. This paragraph shall not be interpret ed as permitting or authorizing any transaction that is 
illegal. 
20. APPLICABLE LAW � The terms and enforcement of this Agreement shall be governed by federal l aw and the law of 
California.
21. ENFORCING THIS AGREEMENT � We can delay in enforcing or fail to enforce any of Our rights under th is 
Agreement without losing them. 
22. COLLECTION COSTS � If We refer collection of Your Account to a lawyer who is not Our salarie d employee, You 
are liable for any reasonable attorney�s fees We incur, plus the costs a nd expenses of any legal action, as further 
disclosed on this Agreement, or to the extent allowed by law . 
23. ASSIGNMENT � We may assign any or all of Our rights and obligations under t his Agreement to a third party. 
24. CALIFORNIA RESIDENTS � A married applicant may apply for a separate Account. Applicants: 1) may, af ter credit 
approval, use the credit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to any 
joint applicant. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record 
may be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations. 
25. FLORIDA RESIDENTS � You (borrower) agree that, should We obta in a judgment against You, a portion of 
Your disposable earnings may be attached or garnished (paid to Us by Your employer), as provided by Florida 
and Federal law. 
26. MARYLAND RESIDENTS � To the extent, if any, that Maryland law applies to Your A ccount, We elect to offer Your 
Card Account pursuant to Title 12, Subtitle 9 of the Maryla nd Commercial Law Article.
27. MISSOURI RESIDENTS � Oral Agreements or commitments to loan mo ney, extend credit or to forbear from 
enforcing repayment of a debt including promises to extend or re new such debt are not enforceable. To protect 
You (borrower(s)) and Us (creditor) from misunderstanding or disap pointment, any Agreements We reach 
covering such matters are contained in this writing, which is the co mplete and exclusive statement of the 
Agreement between Us, except as We may later agree in w riting to modify it. 
28. NEW YORK RESIDENTS � We may obtain a credit report in connection with this Account, including for any review, 
modification, renewal or collections associated with this Account. Up on Your request, You will be informed whether such 
report was requested and, if so, the name and address of the consumer reporti ng agency furnishing the report. New York 
residents may contact the New York State Department of Financial Services at 800.342.3736 or www.dfs.ny.gov to obtain 
a comparative listing of credit card rates, fees and grace periods.
29. OHIO RESIDENTS � The Ohio laws against discrimination require that all creditors make credit equally available to 
all creditworthy customers and that credit reporting agencies maintain sep arate credit histories on each individual upon 
request. The Ohio Civil Rights Commission administers compliance w ith this law.  Page 5 of 6
10424508-MXC30-P-1-072621 (MXC305-E) 30. SOUTH DAKOTA RESIDENTS � If You believe there have been any improprieties in making this loan or in the 
lender�s loan practices, You may contact the South Dakota Division of Ban king at 1601 N. Harrison Ave, Suite 1, Pierre, 
SD 57501, or by phone at 605.773.3421. 
31. WISCONSIN RESIDENTS � If You are married, please contact Us immediately upon receipt of this Agre ement at the 
address or phone number listed on this Agreement and provide Us with th e name and address of Your spouse. We are 
required to inform Your spouse that We have opened an Account  for You. 
32. NOTICE TO UTAH BORROWERS � This written Agreement is a final expression of the Agreement between Y ou 
and the Credit Union. This written Agreement may not be contradicted b y evidence of any oral Agreement. As required by 
law, You are hereby notified that a negative credit report reflecting o n Your credit record may be submitted to a credit 
reporting agency if You fail to fulfill the terms of Your cre dit obligations. 
33. THE FOLLOWING IS REQUIRED BY VERMONT LAW � NOTICE TO CO-SIGN ER � YOUR SIGNATURE ON 
THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THI S LOAN. IF THE BORROWER 
DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLE CT FROM YOU.  Page 6 of 6
10424508-MXC30-P-1-072621 (MXC305-E) Your Billing Rights: Keep this Document for Future Use 
This notice tells You about Your rights and Our responsibilities u nder 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 th e 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 w rong and why You 
believe it is a mistake. 
You must contact Us: 
- Within 60 days after the error appeared on Your statement.
- At least three business days before an automated payment is scheduled, i f 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 co ntinue to charge You interest on that amount. 
- While You do not have to pay the amount in question, You a re 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 oth er 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 t he date payment is due. We may then 
report You as delinquent if You do not pay the amount We thin k You owe. 
If You receive Our explanation but still believe Your bill is wrong, You mu st write to Us within 10 days telling Us that You 
still refuse to pay. If You do so, We cannot report You as delinquent witho ut also reporting that You are questioning Your 
bill. We must tell You the name of anyone to whom We reported You as delin quent, 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 f irst $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 wit h Your credit card, and You have tried in 
good faith to correct the problem with the merchant, You may have the right n ot 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 necessa ry 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 ad vances 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 p urchase, 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 d iscussed above. After We finish Our investigation, 
We will tell You Our decision. At that point, if We think You owe an a mount and You do not pay, We may report You as 
delinquent.