Also,  we  are  not  responsible  for  goods  or  services  that  you
purchase with the Card unless: (a) your purchase was made in
response to an advertisement we sent or participated in sending
you; or (b) your purchase cost more than $50 and was made from
a plan merchant in your state or within 100 miles of your home; and
only if you have made a good faith attempt, but have been unable
to obtain satisfaction from the plan merchant. You must resolve all
other disputes directly with the plan merchant. We do not warrant
any merchandise or services purchased by you with the Card.

Statements and Notices. Statements and notices will be mailed
to you at the most recent postal address or e-mail address (if you
have elected to receive such documents via electronic means)
you  have  given  us.  Notice  sent  to  any  one  of  you  will  be
considered notice to all.

Notification of Address Change. You will notify us promptly if
you  change  your  address  for  any  reason.  In  order  to  prevent
identity theft, your identity may need to be verified before we act
upon the notification.

Copy Received. You acknowledge that you have received a copy
of this Agreement.

Governing Law. This Agreement shall be construed under federal
law and state law in the state in which we are primarily located,
and the venue shall be located in the county and state in which we
are primarily located. Operating regulations of Visa may also apply.
This Agreement is the contract that applies to all transactions even
though  the  sales,  cash  advance,  convenience  check,  credit  or
other slips you sign or receive may contain different terms.

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.

Contact Us. Balance information may be obtained by calling our
automated Express Line at 1-800-829-7676 or via our website at
www.pmcu.com. An  access  code  is  required  for  both  of  these
options. You may also contact our Call Center during business
hours to speak with an agent at 1-800-736-4500. Our business
days and hours are Monday through Friday (7:00 am to 6:00 pm)
and Saturday (9:00 am to 4:00 pm) excluding holidays.

Your Billing Rights: Keep this Document for Future Use
This  notice 
responsibilities under the Fair Credit Billing Act.

tells  you  about  your  rights  and  our

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(es) listed on your statement.
In your letter, give us the following information:

1. Your name and account number.
2. The dollar amount of the suspected error.
3. If you think there is an error on your bill, describe what you

believe is wrong and why you believe it is a mistake.

4. Your signature.

You must contact us:

• Within 60 days after the error appeared on your statement.
• At least 3 business days before an automated payment is
scheduled, if you want to stop payment on the amount you
think is wrong.

You must notify us of any potential errors in writing. You may call
us, but if you do, we are not required to investigate any potential

errors and you may have to pay the amount in question.

What Will Happen After We Receive Your Letter

When we receive your letter, we must do two things:

1. Within 30 days of receiving your letter, we must tell you that
we  received  your  letter.  We  will  also  tell  you  if  we  have
already corrected the error.

2. Within 90 days of receiving your letter, we must either correct
the error or explain to you why we believe the bill is correct.

While we investigate whether or not there has been an error:
• We cannot try to collect the amount in question, or report you

as delinquent on that amount.

• The charge in question may remain on your statement, and
we may continue to charge you interest on that amount.
• While you do not have to pay the amount in question, you

are responsible for the remainder of your balance.

• We can apply any unpaid amount against your credit limit.

•

•

After we finish our investigation, one of two things will happen:
If we made a mistake: You will not have to pay the amount in
question or any interest or other fees related to that amount.
If we do not believe there was a mistake: You will have to
pay the amount in question, along with applicable interest
and fees. We will send you a statement of the amount you
owe and the date payment is due. We may then report you
as delinquent if you do not pay the amount we think you owe.

If you receive our explanation but still believe your bill is wrong,
you must write to us within 10 days telling us that you still refuse
to pay. If you do so, we cannot report you as delinquent without
also reporting that you are questioning your bill. We must tell you
the name of anyone to whom we reported you as delinquent, and
we must let those organizations know when the matter has been
settled between us.

If we do not follow all of the rules above, you do not have to pay
the first $50 of the amount you question even if your bill is correct.

Your  Rights  If You Are  Dissatisfied  With Your  Credit  Card
Purchases
If you are dissatisfied with the goods or services that you have
purchased with your credit card, and you have tried in good faith
to correct the problem with the merchant, you may have the right
not to pay the remaining amount due on the purchase. To use this
right, all of the following must be true:

1. The purchase must have been made in your home state or
within 100 miles of your current mailing address, and the
purchase  price  must  have  been  more  than  $50.  (Note:
Neither of these are necessary if your purchase was based
on  an  advertisement  we  mailed  to  you,  or  if  we  own  the
company that sold you the goods or services.)

2. You  must  have  used  your  credit  card  for  the  purchase.
Purchases made with cash advances from an ATM or with a
check that accesses your credit card account do not qualify.

3. You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still dissatisfied with
the purchase, contact us in writing at the address(es) 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.

FI14220 Rev 12-2015
©2009 Securian Financial Group, Inc. All rights reserved.

M-117401

1278 Rocky Point Drive • Oceanside, CA 92056-5867
Toll Free (800) 736-4500 • Fax (877) 789-PMCU

VISA CREDIT CARD AGREEMENT

In this Agreement, “You” and “your” mean any person who accepts
this Agreement or uses the Card. The “Card” means any credit
card issued to you or those designated by you under the terms of
this Agreement. “We”, “us”, “our” and the “Credit Union” means
Pacific Marine Credit Union or its successors. By using your card,
you agree to all of the terms and conditions set forth herein.

THE  GRANTING  OF  THIS  SECURITY  INTEREST  IS  A
CONDITION FOR THE ISSUANCE OF CREDIT UNDER THIS
AGREEMENT.
YOU  SPECIFICALLY  GRANT  US  A  CONSENSUAL
SECURITY  INTEREST  IN  ALL  INDIVIDUAL  AND  JOINT
ACCOUNTS  YOU  HAVE  WITH  US  NOW  AND  IN  THE
FUTURE TO SECURE REPAYMENT OF CREDIT EXTENDED
UNDER THIS AGREEMENT. YOU ALSO AGREE THAT WE
HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE
AND/OR FEDERAL LAW. IF YOU ARE IN DEFAULT, WE CAN
APPLY YOUR SHARES TO THE AMOUNT YOU OWE. 
Shares and deposits in an Individual Retirement Account or any
other account that would lose special tax treatment under state
or federal law if given are not subject to this security interest.
If you have other loans with us, collateral securing such loans
will also secure your obligations under this Agreement, unless
that other collateral is your principal residence or non-purchase
money household goods.

Using Your Card. You can purchase or lease goods and services
from any merchant who honors your Card, and you may obtain
cash advances from financial institutions and ATM machines that
accept the Card, up to your maximum credit limit. You agree not
to present your Card or obtain a cash advance for any extension
of credit in excess of your available credit limit; however, if you do
exceed your credit limit, you agree to make immediate payment
sufficient  to  bring  the  balance  below  the  credit  limit.  Certain
purchases  and  cash  advances  require  authorization  prior  to
completion of the transaction. In some cases, you may be asked
to provide identification. If our system is not working, we may not
be able to authorize a transaction, even though you have sufficient
credit available. Also, for security reasons, we may block the use
of your Card in certain countries or geographic areas. We will have
no liability to you or others if any of these events occur.

Personal Identification Number (PIN). We may issue a Personal
Identification Number (PIN) for use with your Card. This PIN is
confidential and should not be disclosed to anyone. You may use
your PIN and your Card to access your account, and all sums
advanced will be added to your account balance. In the event a
use  of  your  PIN  constitutes  an  Electronic  Funds  Transfer,  the
terms and conditions of your Electronic Funds Transfer Agreement
may affect your rights.

Promise To Pay. You promise to pay us in U.S. dollars for (a) all
purchases, cash advances, and balance transfers made by you or

anyone  whom  you  authorize  to  use  the  Card;  (b)  all  Interest
Charges and all other charges or fees; (c) collection costs and
attorney’s  fees  as  permitted  by  applicable  law,  and  any  costs
incurred in the recovery of the Card; and (d) credit in excess of
your credit limit that we may extend to you.

Illegal Transactions. You agree that your Card and account will
not  be  used  to  make  or  facilitate  any  illegal  transactions  as
determined by applicable law; and that any such use will constitute
an event of default under this Agreement. We may decline any
transaction  that  we  believe  to  be  illegal  under  applicable  law,
including but not limited to any transaction involving or relating to
any gambling activity. You agree that we will have no liability or
responsibility for any such use by you or any authorized user(s);
or  for  declining  any  such  transaction.  You  further  agree  to
indemnify and hold us harmless from any suits, liability, damages
or adverse action of any kind that results directly or indirectly from
such illegal use. You promise to pay us any and all amounts owing
on  your  Card  for  any  transactions  made  by  you,  even  if  the
transaction is determined to be illegal.

Joint  Accounts. Each  of  you  will  be  responsible,  jointly  and
severally, for the repayment of amounts owed, regardless of who
initiated any transaction under the account.

Others Using Your Account. If you allow anyone else to use your
account, you will be liable for all credit extended to such persons.
You  promise  to  pay  for  all  purchases  and  advances  made  by
anyone you authorize to use your account, whether or not you
notify us that he or she will be using it. If someone else is authorized
to use your account and you want to end that person’s privilege,
you must notify us in writing, and if he or she has a Card, you must
return that Card with your written notice for it to be effective. 

Ownership of Card. Your Card remains our property and may be
cancelled by us at any time without notice. You agree to surrender
your Card and to discontinue use of the account immediately upon
our request.

Interest  Charges. You  agree  to  pay  interest  at  the  rate(s)
disclosed to you at the time you open your account and as may be
changed  from  time  to  time  in  accordance  with  applicable  law.
Average  Daily  Balance  including  new  transactions:
Interest
Charges will accrue on your average daily balance outstanding
during the month. To get the average daily balance, we take the
beginning  balance  each  day,  add  any  new  purchases,  cash
advances,  balance  transfers  or  other  advances,  and  debit
adjustments and subtract any unpaid late charges. This gives us
the daily balance. Then, we add up all the daily balances for the
billing cycle and divide that by the number of days in the billing
cycle. We then multiply that by the periodic rate corresponding to
the Annual Percentage Rate on your account.

Grace Period on Purchases Only: You can avoid Interest Charges
on purchases by paying the full amount of the new balance for
purchases each month by the date on which the payment is due.
Otherwise,  the  new  balance  of  your  account,  and  subsequent
advances from the date they are posted to the account, will be
subject to an Interest Charge. You cannot avoid Interest Charges
on cash advances and balance transfers; even if you pay the entire
cash advance balance or balance transfer balance by the payment
due date, you will incur the Interest Charges accrued from the date
the cash advance or balance transfer is posted to your account.

Fees. In  addition  to  the  Interest  Charges  set  forth  above,  you
agree to also pay any and all fees that you incur as disclosed to
you on your Truth-in-Lending Statement or similar disclosures (as

may be amended from time to time), or as disclosed to you during
the term of your Card.

If  Your  Card  is  Lost  or  Stolen  or  if  an  Unauthorized  Use
Occurs. You agree to notify us immediately if your Card is ever
lost  or  stolen  or  if  an  unauthorized  use  may  have  occurred.
“Unauthorized use” means the use of the Card by someone other
than you who does not have actual, implied or apparent authority
for such use, and from which you receive no benefit. The telephone
number to call is (800) 736-4500, during standard business hours,
or (800) 682-6075, after hours, holidays and weekends. You agree
to follow up your call with notice in writing to us at: Card Services
Department, PACIFIC MARINE CREDIT UNION, 1278 ROCKY
POINT DRIVE, OCEANSIDE, CA 92056-5867. You also agree to
assist  us  in  determining  the  facts,  circumstances  and  other
pertinent  information  relating  to  any  loss,  theft  or  possible
unauthorized use of your Card and comply with such procedures
as we may require in connection with our investigation. You will be
liable for any unauthorized use only if we can prove that you were
grossly negligent in your use or handling of your Card, or if we can
prove that you used your Card fraudulently.

Minimum Payment Due; Crediting of Payments. Payments are
due  in  the  amount  and  on  the  date  disclosed  on  your  billing
statement. If your payment is received by us on a business day at
the address and by the time designated on the billing statement,
it will be credited to your account on the date of receipt. If payment
is made at any location other than the address designated on the
periodic statement, credit for such payment may be delayed up
to  five  (5)  days.  Payments  will  be  applied  in  any  order  we
determine, subject to applicable law.

Default; Acceleration; Credit Suspension; Collection Costs.
You will be in default if: (1) you fail to make any payment on time;
(2) if you fail to keep any promises you have made under this
Agreement or under other Agreements you have with us; (3) if you
die; (4) if you file a petition in bankruptcy or have a bankruptcy
petition  filed  against  you,  or  if  you  become  involved  in  any
insolvency, receivership or custodial proceeding; (5) if anyone
attempts to take any of your funds held by us via legal process or
if you have a judgment or tax lien filed against you; (6) if you make
any  false,  inaccurate,  or  misleading  statements  in  any  credit
application or credit update; or (7) if we, in good faith, believe that
your ability to repay what you owe is or soon will be impaired, or
that you are unwilling to make your payments.

If  you  are  in  default,  we  have  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
interest charges and fees 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. You agree to pay all reasonable
costs of collection, including court costs and attorney’s fees, and
any  costs  incurred  in  the  recovery  of  the  Card,  subject  to
applicable law. Even if your unpaid balance is less than your credit
limit, you will have no credit available during any time that any
aspect of your account is in default.

Additional Benefits/Card Enhancements. We may from time to
time offer additional services to your Account at no additional cost
to you. You understand that we are not obligated to offer such
services and may withdraw or change them at any time.

Convenience Checks. We may, at our discretion, issue checks to
you  which  may  be  used  for  any  purpose  other  than  making  a
payment for credit to your account. By signing such check, you
authorize us to pay the item for the amount indicated and post

such amount as a cash advance to your account. We do not have
to pay any item which would cause the outstanding balance in
your account to exceed your credit limit.

Credit Information. We may from time to time request personal
information  from  you  or  obtain  credit  reports  from  the  credit
reporting agencies for the purpose of updating your credit status.
Your failure to provide such information when requested by us
may result in suspension of credit privileges under this Agreement,
including your ability to obtain any future advances by any means.
You authorize us to investigate your credit standing when opening
or  reviewing  your  account.  You  authorize  us  to  disclose
information regarding your account to credit bureau and creditors
who inquire about your credit standing.

Foreign Transactions; Currency Conversion. Purchases and
cash advances made in foreign currencies will be billed to you in
U.S. dollars. The conversion rate in dollars will be a rate selected
by the card company from a range of rates available in wholesale
currency  markets  for  the  applicable  central  processing  date,
which  rate  may  vary  from  the  rate  the  card  company  itself
receives,  or  the  government-mandated  rate  in  effect  for  the
applicable  central  processing  date  in  each  instance.  All
transactions processed outside of the United States (which may
include internet transactions) will be charged a foreign transaction
fee in the amount disclosed on your Truth-in-Lending Statement
(as amended from time to time).

Termination;  Change-in-Terms. We  may,  by  written  notice,
terminate this Agreement at any time, subject to applicable law.
You may terminate this Agreement by written notice. Termination
by  either  party  shall  not  affect  your  obligation  to  repay  any
payments made for your account resulting from use of the Card as
well as Interest Charges and fees incurred. We may change the
terms of this Agreement, including the method of calculating the
periodic rate, at any time, by written notice, subject to applicable
law. Use of the Card constitutes agreement and acceptance of
any change in terms, unless applicable law requires otherwise.
Our failure to exercise any of our rights or to take any action shall
not  constitute  a  waiver  of  those  rights,  or  an  amendment  or
change in any of the terms of this Agreement.

Late or Partial Payments. Any payment that delays the reduction
of  your  balance  will  increase  your  total  interest  costs.  Partial
payments  or  prepayments  will  not  delay  your  next  scheduled
payment – you will still need to make the minimum scheduled
payment by the next scheduled due date to keep your account
current. We may accept late payments, partial payments, checks
or money orders marked “payment in full” and such action shall
not  constitute  final  settlement  of  your  account  or  a  waiver  or
forgiveness of any amounts owing under this Agreement.

Enforcement. We do not lose our rights under this or any related
agreement if we delay enforcing them. If any provision of this or
any  related  agreement  is  determined  to  be  unenforceable  or
invalid, all other provisions remain in full force and effect.

Returns and Adjustments. Merchants and others who honor the
Card may give credit for returns or adjustments, and they will do
so by submitting a credit slip which will be posted to your account.
If your credits and payments exceed what you owe us, the amount
will be applied against future purchases and cash advances. If the
credit balance amount is $1 or more, it will be refunded upon your
written or verbal request.

Plan Merchant Disputes. We are not responsible for the refusal
of any plan merchant or financial institution to honor your Card.