PLATINUM ELITE VISA 
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PLATINUM ELITE CASH BACK VISA 
SECURED CLASSIC VISA 
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  prohibit ed  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,  money  orders,  bets,  lottery  tickets,  an d 

©CUNA Mutual Group 1991, 2006, 09, 10, 12, 14 All Rights Reserved 

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casino  gaming  chips,  as  applicable.  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  Agreem ent  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  —  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  bal ance  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  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.  The  exchange  rate  used  on  the  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  charged  to  your  account.  The  fee  may  be 
charged  each  year until your  account is closed and/or  paid  in full. 
b.  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.  

c.  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  stat ement  Payment  Due  Date  set 
forth  on  the Disclosure  accompanying  this Agreement. 

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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. 

e.  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  charged  to  your 
account for  each copy of  a sales draft  or  statement that you request.  

f.  Rush  Fee.  If  your  account  is  subject  to  a  Rush  Fee,  except as limited by applicable law,  a fee may be charged 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. 

g.  Card  Replacement  Fee.  If  your  account  is  subject  to  a  Card  Replacement  Fee,  a  fee  will  be  charged  for  each 
replacement  card  that is issued to you for  any reason. 
h.  Research  Fee.  If  your  account  is  subject  to  the  Research  Fee,  a  fee  will  be  charged  to  your  account  as disclosed on 
the Disclosure  accompanying  this Agreement. 
i.  Sales  Draft  Copy  Fee.  If  your  account  is  subject  to  the  Sales  Draft  Copy  Fee,  a  fee  will  be  charged  to  your  account 
as disclosed on  the Disclosure  accompanying  this Agreement.  

j.  Stop  Payment  Fee.  If  your  account  is  subject  to  the  Stop  Payment  Fee,  a  fee  will  be  charged  to  your  account  as 
disclosed on  the Disclosure  accompanying  this Agreement. 
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  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,   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  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 defaul t 
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  31112,  Tampa,  FL  33631  or  telephone  (800)  449-7728  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  

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unauthorized  use.  You  will  have  no  liability  for  unauthorized  transactions  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.  

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  reques t  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  repa y 
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  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.  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 

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subject  to  applicable  notice  requirements.  Please  refer  to  the  Disclosure  for  additional  information  regarding  the  Penalty 
Rate. 

26.  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. 
27.  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 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.) 

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  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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