First  Technology  Federal  Credit  Union  Odyssey  Rewards�  World Elite 
Master Card � Card Agreement  and Federal Truth -in-Lending  Disclosure  
Statement  
Effective:  January 15, 2018
Page 1 of 10 In this Odyssey Rewards World Elite  Master Card Card Agreement and Federal Truth -in-Lending Disclosure Statement (�Agreement and 
Disclosure Statement� ) the words : 
� �I,� �me,� �my� and �mine� mean any and all of those who apply for or use the First Tec hnology Federal Credit Union  Odyssey
Rewards World Elite Master Card  Card. 
� �First Tech,� �you,� �your� and �yours� mean First T echnology Federal Credit Union.
� �Card� me ans the  Odyssey Rewards World Elite  Master Card Card issued to me and any duplicates and/or renewals you  may issue.
� �Account� means my  Odyssey Rewards World Elite  MasterCard Card Account with you.
By requesting and receiving, signing, using or perm itting others to use the Card and/or Account issued  to me by you, I agree to be bound by the 
terms and conditions as set forth herein and any am endments thereto.  
NOTICE: THIS DOCUMENT CONTAINS PROVISIONS FOR A VARIABLE ANNUAL PERCENTAGE RATE .  
AUTHORIZATION AND PAYMENT  
I authorize you to pay and charge my Account for al l Purchases and Cash Advances made or obtained by m e or anyone I authorize  to use my 
Card or Account. I will be obligated to pay all suc h Purchases and Cash Advances charged to my Account whether resulting from:  
1. Actual use of my Card;
2. Mail order or telephone, computer or other electroni c Purchases made without presenting the Card; or
3. Any other circumstance where I authorize a charge, o r authorize someone else to make a charge, to my Ac count (collectively, 
�authorized charges�). I promise to pay you or to y our order in U.S. Dollars with an instrument(s) dra wn on a financial insti tution in 
the United States at your office or at the address set forth on my periodic statement, all authorized char ges on the terms and at the 
rates set forth herein, plus any interest charges a nd finance charges assessed on my Account and any o ther charges and fees which I
may owe you under the terms of this Agreemen t and Disclosure Statement. Payments will continue until I have paid in full the 
unpaid balance, accrued interest charges, and all c ollection -related charges, and any other fees and charges. 
INTEREST CHARGES  
The interest charge for my billing cycle will inclu de three (3) components:  
1. Interest charges for purchases;
2. Interest  charges for cash advances; and  
3. Interest charges for balance transfers.
INTRODUCTORY AND PROMOTIONAL RATES  
At your option, you may  offer me , for a limited time , introductory or promotional rates for all or part o f the new Purchase, Advance or Balance 
Transfers posted to my Account. In the offer materi als, you  will tell me the introductory or promotional rate a nd the time period that rate will 
be in effect and any  offer conditions or requirements. Unless the offer materials state otherwise  or my account is  in default , an introductory or 
promotional rate will remain in effect until the la st day of the billing cycle in which the introducto ry or promotional rate expires. Any 
introductory or promotional rate that applies to ne w or outstanding Account balances will increase to the standard rate that would otherwise 
apply  upon expiration .  
DETERMINATION OF ANNUAL PERCENTAGE RATE  
My ANNUAL PERCENTAGE RATE is determined individually and will be based in par t on my credit history at the time of application. My  Initial 
Monthly Periodic Rate s and corresponding ANNUAL PERCENTAGE RATE S will be set forth in  a separate  Account  Opening Disclosure  Addendum , 
which is fully incorporated and becomes part of this Agreeme nt and Disclosure Statement.   First  Technology  Federal  Credit  Union  Odyssey  Rewards�  World Elite 
Master Card � Card Agreement  and Federal Truth -in-Lending  Disclosure  
Statement  
Effective:  January 15, 2018
Page 2 of 10 HOW YOU DETERMINE MY ANNUAL PERCENTAGE RATE  
My ANNUAL PERCENTAGE RATE may increase or decrease during the term of this Ag reement and Disclosure Statement  Addendum . Any such 
change will be based on an increase or decrease of the �Prime Rate� as publ ished in the Western Edition of the Wall Street Journal  on the 15th 
of each month (or the first business day thereafter  in the event the 15th falls on a non -business day) (herein �Index�). In no  event will the 
ANNUAL PERCENTAGE RATE exceed the maximum rate permitted to be charged by federally -chartered Credit Unions. In the event the Index 
ceases to be published, changes in the ANNUAL PERCENTAGE RATE will be related to a comparable Index  of our choosing .  
The ANNUAL PERCENTAGE RATE initially applicable to all my Account�s Purchases, Balance Transfers and Cash Advances is s et forth in the 
Account Opening Disclosure  Addendum . If applicable to my account, the Penalty ANNUAL PERCENTAGE RATE is also set forth in the Account 
Opening Disclosure  Addendum .  
My ANNUAL PERCENTAGE RATE is subject to change every month on the day followi ng my �Statement Closing Date�. These dates shall b e 
known as �Adjustment Dates�. The Index in effect as  of the 15th of the month shall be used to calculat e the ANNUAL PERCENTAGE RATE change 
effective as of the Adjustment Date. For example, t he Index in effect on January 15th will be used to calculate the ANNUAL PERCENTAGE RATE 
change effective as of the Adjustment Date in Febru ary of the same year. You  add a �margin� to the index value to calculate my ANNUAL 
PERCENTAGE RATES. The amount of my margins for purc hases, balance transfers, and cash advances appears  on the Account Opening  
Disclosure Addendum.  Decreases in the ANNUAL PERCENTAGE RATE in accordance with the terms of this Agreement and Disclosure  Statement 
Addendum are mandatory and increases in the ANNUAL PERCENTAGE RATE are at your discretion. If the ANNUAL PERCENTAGE RATE and 
Monthly Periodic Rate increases or decreases, the i nterest charge will increase or decrease. Each chan ge in the ANNUAL P ERCENTAGE RATE and 
Monthly Periodic Rate will apply to any balance out standing on the effective date of such change, as w ell as to future purcha ses and cash 
advances to the extent permitted by law. Any increa se or decrease in the ANNUAL  PERCENTAGE RATE may  result in changes in the number of 
payments required to repay the unpaid balance and/o r an increase in the minimum payment due.   
MONTHLY PERIODIC RATE, ANNUAL PERCENTAGE RATE AND PENALTY ANNUAL PERCENTAGE RATE  
The interest  charge for each  billing  cycle will be calculated  by applying  the month ly periodic rate t o the Average Daily Balance (described 
below) for my account.  The Monthl y Periodic Rate is  determined  by dividing  the ANNUAL  PERCENTAGE RAT E by 12 and will  change  when the  
ANNUAL  PERCENTAGE RAT E changes.  Any changes to  the ANNUAL  PERCENTAGE RAT E will be reflected  on m y periodic statement.   
CHANGE IN TERMS  
Account and agreement terms are not guaranteed for any period of time. I understand and agree that you  may amend, modify, add  to, or 
delete fro m this Agreement and Disclosure Statement any of it s terms and conditions, including financial terms s uch as the method of 
application and the amount of any interest charge, Transaction Fee, or other finance charge, ANNUAL PERCENTAGE RATE , monthly periodic  
rate, and/or fee in accordance with applicable laws . If required by applicable law, you will mail a no tice of the change to m e at my last known 
address. I also understand that in the event of a s ignificant change, as defined under the Federal Tru th in Lending Act/ Regulation Z, any such 
notice will be mailed at least forty -five (45) days prior to the effective date of the s ignificant change as required by applicable law. If  you are 
required by applicable law to provide me a right to  reject significant changes to this Agreement and D isclosure Statement prior to the effective 
date of such changes, you will provide me with an e xplanation of how to reject the significant changes . This does not apply if  I fail to make a 
required minimum payment within sixty (60)  days after its due date. You may change the terms o f this Agreement and Disclosure Statement 
based on information in my credit report, market co nditions, business strategy , or for any other reason. You will provide me a noti ce of a 
change in terms as requ ired by law.  
HOW TO COMPUTE THE PURCHASE BALANCE  UPON WHICH INTEREST CHARGES ARE ASSESSED  
To avoid incurring additional interest charges on t he balance of Purchases reflected on each periodic statement and on any ne w Purchase s 
appearing on my next statement , I must pay the New Balance shown on each periodic  statement on or before the Payment Due Date. The 
interest charges for a billing cycle are  computed by applying the Monthly Periodic Rate to t he average daily balance of Purchases, which is 
determ ined by dividing the sum of the daily balances for the billing cycle by the number of cycle days in the cycle. Each daily balance is  First Technology Federal Credit Union  Odyssey Rewards� World Elite  
Master Card � Card Agreement and Federal Truth -in-Lending Disclosure 
Statement 
Page 3 of 10 Effective:  January 15, 2018
determined  by subtracting  from  the Previous  Balance  (the outstanding  balance  on my Account  at the beginning  of the billing  cycle)  any 
payments  as received  and credits  as posted  to my Account,  and excluding  any unpaid  interest  charges.   You do not add in new  Purchases.  
HOW TO COMPUTE THE ADVANCES BALANCE UPON WHICH PERI ODIC INTEREST CHARGES ARE ASSESSED  
The interest charges on Cash Advances and Balance T ransfers begins to accrue on the transaction date o r the first day of the billing cycle in 
which it is posted to my Account, whichever is late r. There is no �free ride� period (grace period). T he interest charges for a billing cycle are 
computed by applying the Monthly Periodic Rate to t he average daily balance during the billing cycle, which is determined by dividing the sum 
of the daily balances during the billing cycle by t he number of days in the cycle . Each daily balance is determined by adding  to the Previous 
Balance (the outstanding balance on my Account at t he beginning of the billing cycle) any new Cash Adv ances or Balance Transfers made on the 
Account, and subtracting any payments as received o r credits as posted to my Account, but excluding any un paid interest charges.  
GRACE PERIOD  
I will not incur additional interest charges if I p ay the New Balance by the due date provided that ei ther:  
1. You received  payment  in full of the ending  balance  for the previous  billing  cycle  by the Payment  Due Date  disclosed  in the previo us
billing  cycle�s  periodic  statement;  or 
2. The previous billing cycle�s ending balance was $0.
If I have a grace period to pay the New Balance for  any billing cycle, and do not pay the New Balance in full during this grace period, interest 
charges  will be assessed on any portion of the New Balance not p aid during the grace period using the Average Daily  Balance method as 
explained a bove. The Payment Due Date disclosed on each period ic statement provided to me is the last day of my g race period for that 
statement�s billing cycle.  For more on how payments are applied to purchases, advances or balance transfers, see �Minimum Payment � below.  
MINIMU M PAYMENT  
Every  month,  I must  pay at least  the Minimum  Payment  Due by the Payment  Due Date  shown  on my periodic  statement.  By separate 
agreement,  I may  authorize  you to automatically  transfer  the Minimum  Payment  Due from  my First  Tech  share  or share  draft  account.  I may 
pay more  frequently,  pay more  or pay the New  Balance  in full, and I will reduce  my interest  charges  by doing  so. The Minimum  Payment  Due 
will be either:  
1. 2% of my New Balance, or $25.00, whichever is great er; or 
2. My New Balance,  if less than $25.00.
In addition,  I must  pay any amount  on my periodic  statement  listed  as past  due with  any late charge.  Payments made in excess of the 
minimum payment will generally be applied to balances with higher APRs first before balances with lower ones.  
SKIP  PAYMENT  OPTION  
At your  discretion,  you may occasionally  offer  me an opportunity  to skip my obligation  to make  the Minimum  Payment  due.  I may  not skip 
payments  unless  you make this offer to me. I cannot  accept  a skip payment  offer  if my Account  is delinquent  or in Default.  When  I take  
advantage  of a skip payment offer,  the interest  will continue  to accrue  on my Account �s entire  unpaid  balance.    First  Technology  Federal  Credit  Union  Odyssey  Rewards�  World Elite 
Master Card � Card Agreement  and Federal Truth -in-Lending  Disclosure  
Statement  
Effective:  January 15, 2018  
Page 4 of 10 LATE PAYMENT FEE  
You may charge my Account a Late Payment Fee in any  month in which you do not receive the Minimum Payment Due by the payment due 
date. The late payment fee is pro vided in the Account Opening Disclosure  Addendum . 
RETURNED PAYMENT FEE  
If a payment you apply  to my Account is returned to you unpaid for any rea son, you  will charge me a Returned Payment Fee. This fee will also 
apply to any payments made by automatic transfer th at cannot be posted due to insufficient funds in my  regular share or check ing account. The 
amount of the returned payment fee is provided in t he Account Opening Disclosure  Addendum . 
ADDITIONAL FEE S 
You may charge additional fees to my account in any  month, as applicable. The fee types and amounts  are provided in the Account Opening 
Disclosure  Addendum . 
DEBT PROTECTION COVERAGE  
If you offer credit protection on the Account and I request it, you will calculate  the premium monthly by multiplying the premium rate  by the 
outstanding balance on the Account. You will add th e premium amount to the Account balance on the Bill ing Cycle Closing Date.  The purchase 
of this insurance is entirely voluntary and is not require d for credit approval. I acknowledge receiving a co py of the credit protection documents 
which contain current rates and other information. I understand and agree that if I have requested thi s protection coverage , I will be obligated 
to pay the premium(s) indicated on the election for m which has been included as part of my payment. If I decide to  cancel such protection , I 
must do so in writing , and I agree to pay all premiums up to the date you act on my request to cancel.  
CREDIT LIMIT  
You will set a maxi mum credit  limit for my Account . You may change the credit limit at any time, with o r without notice to me, subject to 
applicable law. I agree not to exceed or attempt to  exceed  the credit limit. I understand and agree that all purchases, cash adv ances and  other 
transactions requested by me , or anyone I have permitted to use the Card(s) and/o r Account , are considered authorized by me and are subject 
to your approval.  
OVERDRAFT PROTECTION  
This section applies  only if I have specifically requested and have obta ined Overdraft Protection linking the Account with a designated First Tech 
checking account. An Overdraft Protection Advance i s an advance of funds to my designated checking acc ount from this Account that will 
prevent or cover overdrafts on my checking account. I autho rize you to make Overdraft Protection Advances from  the Account as provided in 
this Agreement and Disclosure Statement. Any Overdr aft Protection Advance will post and be disclosed a s Cash Advance on my pe riodic 
statement. An  Overdraft Protection Advance will be made only once  per day , and you will automatically transfer funds sufficien t to cover the 
exact dollar amount of the overdraft. If the amount  of available credit on my Card is less than the am ount of the overdraft, you will not advance 
the amount to cover the overdraft.  
If there is more than one person listed on the chec king account (such as joint checking account) that I have linked for Overdraft Protection, 
then:  
1. I will be responsible for all Overdraft Protection advances regardless of which person writes the chec k or engages in any other 
transaction (such as a debit card purchase) that ca uses the overdraft; and  
2. I expressly consent to you disclosing to any other person on that checking account, that the checking account is linked to this credit 
card account for Overdraft Protection. 
At your discretion, you reserve the right to cancel  or suspend the Overdraft Protection service at any  time for any reason , and you may impose 
other conditions on the Overdraft Protection servic e.   First  Technology  Federal  Credit  Union  Odyssey  Rewards�  World  Elite  
Master Card � Card  Agreement  and Federal  Truth -in-Lending  Disclosure  
Statement  
Effective:  January 15, 2018
Page 5 of 10 USING THE CARD  
I may use my card to make a purchase or obtain an a dvance at a participating MasterCard  merchant or at a  financial institut ion, using such 
means of authentication as may be required.   
My Card and/or Account may not be used directly or indirectly for:  
1. Any illegal activity or transaction; or
2. Any gambling, gaming, betting or similar activity or  transaction.
Further, I may not  utilize my Card and/or Account for the purchase of any goods or services on the Internet that involve gambling, gaming, 
betting or any similar transaction or activity. Suc h transactions include, but may not be limited to, any quasi -cash or online gambling  
transaction, any electronic commerce transaction co nducted over an open network, and any betting trans action including the purchase of 
lottery tickets or casino gaming chips/checks or of f-track betting or wagering. However, in the event th at a charge desc ribed in this paragraph is 
approved and processed, I will still be responsible  for such charge.  
ELECTRONIC FUND TRANSFER  
In the event a use of the Card or the Account numbe r of the Card constitutes an Electronic Fund Transf er, the terms and conditions of my 
Electronic Fund Transfer Agreement and Disclosure w ith you shall govern such transactions to the exten t the Electronic Fund Transfer 
Agreement and Disclosure expands or amends this Agr eement and Disclosure Statement.  
PREPAYMENT OR IRREGULAR PAYMENTS  
Though I need only pay the Minimum Payment Due  as shown on my periodic statement , I understand that I have the right to rep ay my entire 
Account balance at any time without penalty. I also  understand and agree that I will only be charged i nterest charges to the date my payment is 
posted to  my entire Account balance. I may make larger paymen ts without penalty , and this may reduc e the total amount of interest charges 
that I will pay. If I pay more than the Minimum Pay ment Due in any month and there is still a balance due, I must continue to  make Minimum 
Payments in future months. Any partial payment of m y loan will not advance my next payment due date(s). I understand and agree th at any 
payment that (a) delays or (b) accelerates the repa yment of my unpaid balance will (a) increase or (b)  decrease my Monthly Periodic interest 
charges.  
PAYMENTS BY AUTOMATIC TRANSFER  
If I request pa yment by automatic transfer, I understand and agree  that no payment can or will be made if there are i nsufficient or uncollec ted 
funds in the designated deposit account to make the  scheduled loan payment. Should this event occur, I  understand and agree tha t I will not be 
released from making the payment. Any automatic tra nsfer I have requested will remain in effect until I cancel it in writing or the Account 
balance is paid in full. You may cancel this servic e at your discretion; however, I understand that I am still responsible for ensuring that timely 
payment is made to you.  
DEFAULT  
I will be in default if:  
1. I do not pay on time or in the proper amount(s);
2. I fail to live up to any of the terms of this Agree ment and Disclosure Statement  Addendum ;
3. My creditworthiness is impaired; or
4. I die, become insolvent or am the subject of bankru ptcy or receivership proceedings. First  Technology  Federal  Credit  Union  Odyssey  Rewards�  World  Elite  
Master Card � Card  Agreement  and Federal  Truth -in-Lending  Disclosure  
Statement  
Effective:  January 15, 2018  
Page 6 of 10 In the event of any action by you to enforce this A greement and Disclosure Statement  Addendum , I agree to pay the costs thereof, reasona ble 
attorneys� fees, and other expenses. I understand a nd agree that I will be subject to interest charges  (at the applicable Monthly Periodic Rate), 
late charges, collection costs, reasonable attorney s� fees and court costs under the terms disclosed i n this Agreement and Disclosure Statement  
Addendum , until I repay my entire Account balance.  
SUSPENSION/REVOCATION OF CREDIT PRIVILEGES AND ACCE LERATION  
Upon my default, I understand and agree that you ha ve the right to temporarily or permanently suspend or terminate any and all Account and 
Card privileges , and/or you may demand immediate payment as permitted by law of the unpaid balance, includin g interest charges, late 
charges, your collection costs, reasonable attorney �s fees and court costs. You  also may increase any applicable promotional rate t o the regular, 
non-promotional rate.  
RESPONSIBILITY  
I agree to repay you according to the terms of this  Agreement and Disclosure Statement Addendum  for all purchases, advances, interest 
charges, late charges and any other fees and charge s if any, arising from the use of the Account by me  or any other person I permit to use the 
Account, even if that person exceeds my permission.  I cannot disclaim responsibility by notifying you,  although you will close the Account i f I so 
request and I will return all Cards to you. My obli gation to pay the Account balance continues even th ough an agreement, divorce decree or 
other court judgment to which you are not a party m ay direct me or one of the other persons responsibl e to pay  the Account. Any person using 
the Account and/or Card is jointly and severally re sponsible with me for charges he or she makes, but if that person signs the Card he or she 
becomes a party to this Agreement and Disclosure Sta tement Addendum and is also responsible for all charges on the Acco unt, including mine.  
UNAUTHORIZED USE  
I may be liable for the unauthorized use of the Car d and/or the Account. I will not be liable for unau thorized use that occurs after I provide 
notification by calling 855.855.8805,  or when you receive notice in writing at PO Box 210 0, Beaverton, OR 97075 -2100, of the loss, theft or 
possible unauthorized use. In any case, my liabilit y for unauthorized use will not exceed $50.00. My l iability may be lower in cases of credit card 
fraud  in accordance with current MasterCard Rules . �Unauthorized Use� means use of the Card on my Acco unt, by a person other than me, 
who does not have actual, implied or apparent autho rity for such use, and from which I receive no benefit. Without l imiting the  foregoing, 
�unauthorized use� does not include any use by a th ird party as described below under �Authorized User �. 
TERMINATION  
You may terminate this Agreement and Disclosure Sta tement Addendum upon my default. Either you or I may terminate this  Agreeme nt and 
Disclosure Statement Addendum  for other good cause  or no cause. In no event shall any termination reli eve me of my obligation to repay sums 
already borrowed, interest charges, late charges, a nd other fees, charges and costs, if any.  
LIEN ON SHARES  
I have voluntarily agreed to a lien on shares in my  MasterCard  Application, I understand and agree that if I am in  default, you may apply all 
shares (except IRA accounts) then on deposit needed  by you to repay my loan. To the extent you have pledged collateral securing other 
loans with First Tech , in the event of a default on this Account, with t he exception of your personal residence , such  collateral will also serve 
as collateral for this Account.   First  Technology  Federal  Credit  Union  Odyssey  Rewards�  World  Elite  
Master Card � Card  Agreement  and Federal  Truth -in-Lending  Disclosure  
Statement  
Effective:  January 15, 2018  
Page 7 of 10 TRANSACTION SLIPS  
My periodic statement will identify the merchant, e lectronic terminal or financial institution,  at which the transactions were made, but sales, 
cash advance, credit or other slips cannot be retur ned with the periodic statement. I will retain copi es of such slips furnished at the time of the 
transaction in order to verify my periodic statemen t. You may make a reasonable charge for any photoco pies or slips I request .  
FOREIGN TRANSACTIONS  
Purchases, cash advances and credits made in foreig n currencies will be billed to my Account in U.S. d ollars. The conversion to U.S. dollars will 
be made in accordan ce with the  MasterCard Rules  for currency conversion. The exchange rate between the transaction currency and the billing 
currency used for processing currency conversions  is a rate selected by MasterCard . Rates may vary from the rate MasterCard  itself receives  or 
the government -mandated rate in effect for the applicable central processing date . The conversion rate may be different than the rate on the 
day of the transaction or date of the posting of the  Account. When a credit to the Account does not ful ly offset a charge to the Account due to 
changes in the rate, I am responsible for the diffe rences.  
RETURNS AND ADJUSTMENTS  
Merchants and others who hon or the Account and/or Card may give credit for retu rns or adjustments, and they will do so by sending you a 
credit slip which you will post to the Account. If my credits and payments exceed what I owe you, you will hold and apply this credit balance 
agains t future purchases and cash advances, or if it is $ 1.00 or more, refund it on my written request or au tomatically after six ( 6) months. You 
may refund such sums by depositing them in my First Tech membership account.  
SURRENDER OF CARD(S)  
The Card(s) remains your property and, if you reque st, I must surrender to you all Card(s) you have is sued on the Account.  
LOST OR STOLEN CARD, NOTIFICATION AND LIABILITY  
I will notify you AT ONCE if I believe that the Car d, Account number, PIN or any combination of the th ree has been lost or stolen by immediately 
calling you at 855.855.8805. Telephoning is the bes t way of minimizing my possible losses. I understan d that my total liabili ty to you shall not 
exceed $50.00 for any Account and/or Card transacti ons resulting from the loss, theft or other unautho rized use of the Account and/or Card 
that occurs prior to the time I give notice to you.  In some cases my liability for unauthorized transa ctions will be zero under applicable 
Master Card  Rules.   
PAYMENTS MARKED �PAID IN FULL�  
You may accept checks, money orders, or other types  of payment marked �payment in full� or using other  language to indicate f ull satisfaction 
of any indebtedness, without being bound by such la nguage or waiving any rights under this Agreement a nd Dis closure Statement  Addendum . 
Full satisfaction of indebtedness shall be accepted  by you only in a written agreement, signed by an a uthorized representativ e. Communications 
regarding any disputes must be mailed to the follow ing address: Card Services Departm ent, PO Box 2100, B eaverton, OR 97075 -2100 . Any 
communications sent elsewhere, or acceptance of pay ments marked �payment in full� or the like, will be  of no legal effect. The foregoing 
provision does not limit any rights I have to dispu te transactions on m y Account under applicable federal law. Refer to �M y Billing Rights� below 
in the Agreement and Disclosure.  
DELAY IN ENFORCEMENT  
You can delay enforcing any of your rights under th is Agreement and Disclosure Statement Addendum without losing them.   First  Technology  Federal  Credit  Union  Odyssey  Rewards�  World  Elite  
Master Card � Card  Agreement  and Federal  Truth -in-Lending  Disclosure  
Statement  
Effective:  January 15, 2018
Page 8 of 10 GOV ERNING LAW  
I understand and agree that this Agreement and Disc losure Statement is made in California and shall be  governed by the laws o f the State of 
California to the extent that California law is not  inconsistent with controlling federal law  or otherwise preempted . I also understand and agree 
that California�s choice of law rules shall not be applied if they would result in the application of non-California law.  
INTEGRATED DOCUMENT(S)  
Any separate sheet of paper labeled �Account Openin g Disclosure  Addendum � which is delivered together with this form is an integrated part 
of the Agreement and Disclosure Statement.  
MEMBERSHIP REQUIREMENT  
I understand and agree that I must be , and remain , a member in good standing with you to be eligible f or continuing Account and/or Card 
privileges including future purchases and advances.  I understand and agree that you may suspend the Ac count and/or Card privileges during 
any period in which I do not satisfactorily maintai n my membership with you.  
CREDI T INFORMATION  
I authorize you to investigate my credit standing w hen opening, renewing or reviewing the Account, and  I authorize you to dis close information 
regarding the Account to credit bureaus and other c reditors who inquire of you about my credit standin g to the extent authorized by law.  
CHANGE OF NAME, ADDRESS  OR EMPLOYMENT STATUS  
You will send my monthly statements and Account not ices to the address shown in your records.  I understand and agree that I must report to 
you any change in my name, addre ss or employment status. I must send you this infor mation 21 days before the date a billing cycle clos es in 
order to receive my monthly statement to my new add ress.  
ACCURACY OF INFORMATION  
The information provided in my request for credit ( application) is accurate , and I will notify you in writing immediately if the re is a change in my 
financial condition. You may retain the application . I understand that it is a violation of Section 10 14, Title 18, US Code t o make false statements 
or over value security for the purpose of influenci ng the action of any federally -insured credit union.  
AUTHORIZED USER  
I agree not to allow access to my Card, Account num ber, or personal identification number (PIN) to any one else to use my Account, except by 
asking you to issue a card to grant Account access to another person. If I allow access to my Card or Account information, I will be liable for any 
transactions conducted by that person, unless and e xcept as expressly required by applicable law. I ag ree to be responsible f or all Account 
transactions made by anyone who I have authorized b y:  
1. Asking you to issue a Card to grant Account access t o another person,
2. Lending my Card to or  
3. Allowing Account access by another person, or any ot her way in which I would be legally considered to h ave allowed another per son 
to use my Account or to be legally prevented from d enying that I did so. 
Once I allow authority to any authorized user I can not limit that authority unless my Account is close d to future transactions. I, as a primary 
user, must call or write you with any request to ca ncel and revoke a person�s authority. Any individual I authorize has no right to make any 
Account changes .  Author ized users of this account may have the same access  to information about the account and its users as me. First Tech  
may send account materials (cards, statements and n otices) to any liable party, and that person will b e responsible for delivering those  First Technology Federal Credit Union  Odyssey Rewards� World Elite  
Master Card � Card Agreement and Federal Truth -in-Lending Disclosure 
Statement 
Effective:  Janua ry 15, 2018  
Page 9 of 10 materials to the other liable parties and authorized users. Notice to any of us will be considered notice to all of us. If any person uses the Card,
such use indicates his or her agreement to pay Firs t Tech , and you may, at your discretion, pursue the person for payment of an y Outstanding 
Balance or any other charges they authorize. I agree to notify each authorized person that they ar e subject to all applicable sections of this 
Agreement.  
COPY RECEIVED  
I acknowledge receipt of a copy of this Agreement a nd Disclosure Statement Addendum  and agree to accept its terms.  
NOTICE:  See the statement below for important information r egarding my right to dispute billing errors.  
My Billing Rights: Keep This Docum ent for Future Use  
This notice tells me about my rights and your respo nsibilities under the Fair Credit Billing Act.  
What To Do If I Find A Mistake On My Statement  
If I think there is an error on my statement, I mus t send you a secure message through online banking  or write to you at:  
Member Services  
PO Box 2100  
Beaverton, OR 97075 -2100  
In my letter  online -banking message , I must give you the following information:
� Account information : My name and account number
� Dollar amount: The dollar amount of  the suspected error
� Description of problem: If I think there is an erro r on my bill, describe what I believe is wrong and why I believe it is a m istake.
I must contact you:  
� Within 60 days after the error appeared on my state ment.
� At least 3 business days before an automated paymen t is scheduled, if I want to stop payment on the am ount I think is wrong.
I must notify you of any potential errors in writin g. I may call you, but if I do , you are not required to investigate any potential e rrors and I may 
have to pay the amount in question.  
What Will Happen After You Receive My Letter  
When you receive my letter, you must do two things:   
1. Within 30 days of receiving my letter, you must tel l me that you received my letter. You will also tel l me if you have already 
corrected the error. 
2. Within 90 days of receiving my letter, you must eit her correct the error or explain to me why you beli eve the bill is correct .
While you investigate whether or not there has been  an error:  
� You cannot try to collect the amount in question or report me as d elinquent on that amount.
� The charge in question may remain on my statement, and you may continue to charge me interest on that amount.
� While I do not have to pay the amount in question, I am responsible  for the remainder of my balance.
� You can apply any unpaid amount against my credit l imit.
After you finish your investigation, one of two thi ngs will happen:  
1. If you made a mistake: I will not have to pay the a mount in question or any interest or other fees related to that amount. First  Technology  Federal  Credit  Union  Odyssey  Rewards�  World  Elite  
Master Card � Card  Agreement  and Federal  Truth -in-Lending  Disclosure  
Statement  
Effective:  January 15, 2018  
Page 10 of 10 2. If you do not believe there was a mistake: I will h ave to pay the amount in question, along with appli cable interest and fees . You will 
send me a statement of the amount I owe and the dat e payment is due. You may then report me as delinqu ent if I do not pay the 
amount you think I owe. 
If I receive your explanation but still believe my bill is wrong, I must write to you within 10 days t elling you that I still  refuse to pay. If I do so, 
you cannot report me as delinquent without also rep orting that I am questioning my bill. You must tell  me the name of anyone to whom you 
reported me as delinquent, and you must let those o rganizations know when the matter has been settled between us. If you do n ot follow all of 
the rules above, I do not have to pay the first $50  of the amount I question even if my bill is correc t.  
My Rights If I Am Dissatisfied With My Credit Card P urchases  
If I am dissatisfied with the goods or services tha t I have purchased with my credit card, and I have tried in good faith to correct the problem 
with the merchant, I may have the right not to pay the remaining amount due on the purchase.  
To use this righ t, all of the following must be true:  
1. The purchase must have been made in my home state o r within 100 miles of my current mailing address, a nd the purchase price 
must have been more than $50. (Note: Neither of the se are necessary if my purchase was based on an adv ertisement you mailed to 
me, or if you own the company that sold me the good s or services.) 
2. I must have used my credit card for the purchase. P urchases made with cash advances from an ATM or with  a check that accesses  
my credit card account do no t qualify. 
3. I must not yet have fully paid for the purchase.
If all of the criteria above are met and I am still  dissatisfied with the purchase, I may contact you in writing at:  
Member Services  
PO Box 2100  
Beaverton, OR 97075 -2100  
While you investigat e, the same rules apply to the disputed amount as d iscussed above. After you finish your investigation , you will tell me your  
decision. At that point, if you think I owe an amou nt and I do not pay, you may report me as delinquen t.  
Questions concerning my MasterCard  Card Account with First Technology Federal Credit Union can be directed to the Card Services 
Department, PO Box 2100, Beaverton, OR 97075 - 2100 or by calling 855.855.8805, Monday - Friday, 6am to 6pm, Pacific Time.