NO WAIVER —  The  Credit  Union  can  delay  enforcing  any  of  its

individually to repay 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.
18.
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.
19.
rights any number of times without losing them.
20.
STATEMENTS AND NOTICES —  Statements  and  notices  will  be
mailed to you at the most recent address you have given the Credit Union. Notice
sent to any one of you will be considered notice to all.
21.
FINAL  EXPRESSION  — This  Agreement  is  the  final  expression  of
the  terms  and  conditions  of  this  Visa  line  of  credit  between  you  and  the  Credit
Union.  This  written  Agreement  may  not  be  contradicted  by  evidence  of  any
alleged oral agreement.
22.
copy of this Agreement.

COPY RECEIVED —  You  acknowledge  that  you  have  received  a

YOUR BILLING RIGHTS
KEEP THIS NOTICE FOR FUTURE USE

report you to that you have a question about your bill. And, we must tell you the
name of anyone we reported you to. We must tell anyone we report you to that
the matter has been settled between us when it finally is.
If  we  don't  follow  these  rules,  we  can't  collect  the  first  $50  of  the  questioned
amount, even if your bill was correct.
SPECIAL RULE FOR CREDIT CARD PURCHASES —

If you have a problem with the quality of property or services that you purchased
with a 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
property or services. There are two (2) limitations on this right:

•

•

You  must  have  made  the  purchase  in  your  home  state  or,  if  not
within  your  home  state,  within  100  miles  of  your  current  mailing
address; and
The purchase price must have been more than $50.

These limitations do not apply if we own or operate the merchant, or if we mailed
you the advertisement for the property or services.

This  notice  contains 
responsibilities under the Fair Credit Billing Act.

important 

information  about  your 

rights  and  our

NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR BILL
If you think your bill is wrong, or if you need more information about a transaction
on your bill, write us on a separate sheet at the address listed on your bill. Write
to us as soon as possible. We must hear from you no later than 60 days after we
sent you the first bill on which the error or problem appeared. You can telephone
us, but doing so will not preserve your rights.
In your letter, give us the following information:
Your name and account num ber.
The dollar amount of the suspected error.
Describe the error and explain, if you can, why you believe there is
an error. If you need more information, describe the item you are not
sure about.

•
•
•

If  you  have  authorized  us  to  pay  your  credit  card  bill  automatically  from  your
savings  or  share  draft  account,  you  can  stop  the  payment  on  any  amount  you
think is wrong. To stop the payment, your letter must reach us three (3) business
days before the automatic payment is scheduled to occur.
YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR
WRITTEN NOTICE —
We must acknowledge your letter within 30 days, unless we have corrected the
error by then. Within 90 days, we must either correct the error or explain why we
believe the bill was correct.

After we receive your letter, we cannot try to collect any amount you question, or
report  you  as  delinquent.  We  can  continue  to  bill  you  for  the  amount  you
question,  including  finance  charges,  and  we  can  apply  any  unpaid  amount
against your credit limit. You do not have to pay any questioned amount while we
are investigating, but you are still obligated to pay the parts of your bill that are
not in question.
If  we  find  that  we  made  a  mistake  on  your  bill,  you  will  not  have  to  pay  any
finance charges related to any questioned amount. If we didn't make a mistake,
you may have to pay finance charges and you will have to make up any missed
payments on the questioned amount. In either case, we will send you a statement
of the amount you owe and the date that it is due.
If  you  fail  to  pay  the  amount  that  we  think  you  owe,  we  may  report  you  as
delinquent. However, if our explanation does not satisfy you and you write to us
within ten (10) days telling us that you still refuse to pay, we must tell anyone we

    © CUNA  MUTUAL GROUP, 1993, 2007,  ALL RIGHTS RESERVED                DDCAT0    29311(2)

 GOLD

VISA  CREDIT CARD AGREEMENT
In  this  Agreement  the  words  "you"  and  "your"  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  and  notify  you  of  your  credit
limit. 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. If you are over your credit limit, you must pay the
amount you are over before payments will begin to restore your credit limit. You
may request an increase in your credit limit only by a method acceptable to the
Credit Union. The Credit Union has the right to reduce your credit limit, refuse to
make  an  advance  and/or  terminate  your  account  at  any  time  for  any  reason  not
prohibited by law.

2.
USING YOUR CARD —  You  understand  that  the  use  of  your  credit
card  will  constitute  acknowledgement  of  receipt  and  agreement  to  the  terms  of
the  Credit  Card  Agreement.  You  may  use  your  card  to  make  purchases  from
merchants  and  others  who  accept  Visa  cards.  However,  you  may  not  use  your
card to initiate any type of gambling transaction. 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  and  from  other  financial
institutions  that  accept  Visa  cards,  and  from  some  automated  teller  machines
(ATMs).  (Not  all  ATMs  accept  Visa  cards.)  To  obtain  cash  advances  from  an
ATM, you must use the personal identification number (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.
RESPONSIBILITY — You agree to pay all charges (purchases and
3.
cash  advances)  made  to  your  account  by  you  or  anyone  you  authorize  to  use
your account. You also agree to pay all finance charges and other charges added
to  your  account  under  the  terms  of  this  Agreement  or  another  agreement  you
made with the Credit Union. If this is a joint account, Section 17 also applies to
your account.
4.
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.
The  finance  charge  is  calculated  separately  for  purchases  and  cash  advances.
For purchases, the finance charge is computed by applying the monthly periodic
rate to the average daily balance of purchases. To get the average daily balance

to  your  Visa  Gold  card 

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. Then, we add all 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  monthly
periodic rate to the average daily balance of cash advances. To get the average
daily  balance  of  cash  advances,  we  take  the  beginning  outstanding  balance  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.  Then,  we  add  all  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.
The  ANNUAL  PERCENTAGE  RATE  is  based  on  certain  credit-worthiness
criteria.
The  monthly  periodic  rate 
is
that  will  apply 
______________________%  which  is  an  ANNUAL  PERCENTAGE  RATE  of
______________________%.
The ANNUAL PERCENTAGE RATE is subject to change on the 1st day of each
quarter (January, April, July, October) to reflect any change in the Index and will
be determined by the Prime Rate on the third Tuesday of February, May, August
and  November  of  each  year  as  published  in  The  Wall  Street  Journal  "Money
Rates"  table.  Any  increase  in  the  ANNUAL  PERCENTAGE  RATE  will  take  the
form  of  additional  payments  shown  as  Total  Minimum  Payments  on  the
statement.  Purchases,  cash  advances,  and  balance  transfers  will  be  charged  4
percentage  point(s)  above  the  variable  rate.  If  the  Index  is  no  longer  available,
the  Credit  Union  will  choose  a  new  index  which  is  based  upon  comparable
information.
An  introductory  offer  is  available  for  our  Visa  Gold  program  on  purchases  and
cash  advances  to  new  cardholders  for  12  months  from  date  of  issuance.  The
monthly  periodic  rate 
is  an  ANNUAL
PERCENTAGE RATE of 3.9%. Thereafter, the monthly periodic rate will change
to  ___________________%  which  is  an  ANNUAL  PERCENTAGE  RATE  of
________________%.  This  offer  may  be  withdrawn  at  the  credit  union’s
discretion at any time.
When  you  are  30  days  delinquent  in  making  a  payment,  the  ANNUAL
PERCENTAGE RATE on your account will increase to whatever the Prime Rate
is at the time plus 7%.  Your account must be current for 12 consecutive months
in  order  for  your  ANNUAL  PERCENTAGE  RATE  o  be  converted  to  the  rate  in
effect for non-delinquent accounts.
5.
added to your account, as applicable:
Over-the-Credit-Limit Fee. You may be charged a fee of $25.00 on
a.
a statement date if your new balance on that date, less any fees imposed during
the cycle, is over your credit limit. You will be charged the fee each subsequent
month  until  your  new  balance  on  the  statement  date,  less  any  fees  imposed
during the cycle, is BELOW your credit limit.
b.
account if you are late in making a payment.
c.
Return  Check  Fee.  If  a  check  or  share  draft  used  to  make  a
payment on your account is returned unpaid, you will be charged a fee of $25.00
for each item returned.
Collection  Costs.   You  agree  to  pay  all  costs  of  collecting  the
d.
amount you owe under this Agreement, including reasonable attorney's fees not
in excess of 15 percent of the unpaid debt and all court costs.

Late  Payment  Fee.  A  late  charge  of  $25.00  will  be  added  to  your

OTHER CHARGES —  The  following  other  charges  (fees)  will  be

is  0.325%  which 

this  offer 

for 

6.
PAYMENTS —  Each  month  you  must  pay  at  least  the  minimum
payment shown on your statement by the date specified on the statement or no
later  than  25  days  from  the  statement  closing  date  whichever  is  later.  If  your
statement says the payment is "Now Due," your payment is due no later than 25
days  from  the  statement  closing  date.  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 percent of your total new balance, or $25.00, whichever is
greater, plus the amount of any prior minimum payments that you have not made,
and any amount you are over your credit limit. The Credit Union also has the right
to demand immediate payment of any amount by which you are over your credit
limit.
7.
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.
8.
SECURITY  INTEREST —  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. In addition, 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.
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.
9.
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  default  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.

10.
LIABILITY  FOR  UNAUTHORIZED  USE-LOST/STOLEN  CARD
NOTIFICATION — You agree to notify us immediately, orally or in writing at PO
Box  27755,  Washington,  DC  20038-7755  or  telephone  (800)  654-7728  twenty-
four (24) hours a day, seven (7) days a week, 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  unauthorized  use.  You  will  have  no  liability  for
unauthorized  purchases  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.
11.
CHANGING  OR  TERMINATING  YOUR  ACCOUNT  —  The  Credit
Union may change the terms of this Agreement 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.  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.  The  Credit
Union  has  the  right  to  require  you  to  pay  your  full  account  balance  at  any  time
after  your  account  is  terminated,  whether  it  is  terminated  by  you  or  the  Credit
Union.  If  this  is  a  joint  account,  Section  17  of  this  Agreement  also  applies  to
termination of the account.

12.
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).

13.
RETURNS  AND  ADJU STMENTS  —  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  request  or
automatically after six (6) months.
14.
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.
15.

FOREIGN TRANSACTIONS —

Visa.  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 of 1 percent of the amount of the transaction, 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.
16.
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 and was made in your state or within 100 miles of your home.
17.
JOINT ACCOUNTS —  If  this  is  a  joint  account,  each  person  on  the
account must sign the Agreement (by signing on the application). 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