VISA VARIABLE RATE AND FIXED RATE 
CLASSIC AND GOLD CARDS AGREEMENT 
AND FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENT 

In this Agreement and Disclosure Statement the words “You,” “Your,” and “Yours” mean each and all of those that apply for, sign or use the VISA Variable 
Rate and/or VISA Fixed Rate Classic and Gold Card(s), or those who authorize another to sign or use the Card(s). “We,” “Us,” and “Our” mean Coast Central 
Credit Union.  

“Card”  means  the  VISA Variable  Rate  and/or  VISA  Fixed  Rate  Classic  and Gold  Card(s)  issued  to  you  and  any duplicate  and/or  renewals  we  may  issue. 
“Account” means your VISA Variable and/or VISA Fixed Rate Classic and Gold Card(s) Account with us. 

You agree to the following terms and conditions and any amendments thereto. By requesting and receiving, signing, using or permitting others to use a card 
issued to you by us, you agree to the following terms: 

THE FOLLOWING TERMS AND CONDITIONS APPLY ONLY TO VISA VARIABLE RATE CLASSIC AND GOLD CARD ACCOUNTS: 

Notice:  This Document Contains Provisions For A VARIABLE ANNUAL PERCENTAGE RATE. 

INTEREST CHARGE:    The INTEREST CHARGE for a Billing Cycle will be the sum of two (2) components: 

(1) 

(2) 

CASH ADVANCE FEE:  One (1) component of the INTEREST CHARGE is the Cash Advance Fee. Cash and other Advance Transactions are 
subject to a Cash Advance Fee equal to 2% of the total amount of Cash Advance Transactions, or $10.00, whichever is greater, which are posted to 
your Account during the Billing Cycle (not to exceed the maximum rate permitted by California Credit Unions during the Billing Cycle). 

MONTHLY PERIODIC INTEREST CHARGE, MONTHLY PERIODIC RATE, and NOMINAL ANNUAL PERCENTAGE RATE:   The second 
(2nd)  component  of  the  INTEREST  CHARGE  is  the  Monthly  Periodic  INTEREST  CHARGE.  The  Initial  Periodic  Rate  used  in  calculating  the 
Monthly Periodic INTEREST CHARGE is the Monthly Periodic Rate indicated on Addendum “A” (attached). The Monthly Periodic INTEREST 
CHARGE for each Billing Cycle will be calculated by applying the Average Daily Balance (see explanation below) for your account during the 
Billing Cycle by the Monthly Periodic Rate. The Monthly Periodic Rate is determined by dividing the ANNUAL PERCENTAGE RATE by 12 and 
will change when the ANNUAL PERCENTAGE RATE changes. 

HOW WE DETERMINE CHANGES IN YOUR NOMINAL ANNUAL PERCENTAGE RATE:   The nominal ANNUAL PERCENTAGE RATE may 
increase or decrease during the term of this Agreement.  Any such change will be based on an increase or decrease, rounded to the nearest 1/8 of 1% point of 
the most recent “Prime Rate” as published by the Wall Street Journal. This "Prime Rate" is available as of March 1, June 1, September 1 and December 1 of 
each year (herein “Index”). If more than one rate is listed under the heading “Prime Rate” in the Wall Street Journal, you agree that the prime rate used by us 
for purposes of calculating the Index shall be the base prime rate as on corporate loans posted by at least 75% of the nation’s 30 largest banks. In the event 
that the Wall Street Journal ceases publishing the “Prime Rate” changes in the ANNUAL PERCENTAGE RATE will be related to a comparable Index. 

The ANNUAL PERCENTAGE RATE is determined by adding a “Margin” to the Index in effect as of each Adjustment Date. The Index and Margin in effect 
as of the date of this Agreement are indicated on Addendum “A” (attached). We may waive an increase in the ANNUAL PERCENTAGE RATE when such 
an increase can be made, but such a waiver shall not be constructed as a waiver of our right to increase the ANNUAL PERCENTAGE RATE at a future date 
when entitled to do so. 

The ANNUAL PERCENTAGE RATE is subject to change every three months on the day following my “Statement Closing Date” in March, June, September 
and  December  of  each  year.  These  dates  shall  be  shown  as  “Adjustment  Dates.”  The  Index  in  effect  in  March  shall  be  used  to  calculate  the  ANNUAL 
PERCENTAGE RATE change effective as of the first day of the next Billing Cycle in March of the same year. The Index in effect in June shall be used to 
calculate the ANNUAL PERCENTAGE RATE change effective as of the first day of the next Billing Cycle in June of the same year. The Index in effect in 
September shall be used to calculate the ANNUAL PERCENTAGE RATE change effective as of the first day of the next Billing Cycle in September of the 
same year. The Index in effect in December shall be used to calculate the ANNUAL PERCENTAGE RATE change effective as of the first day of the next 
Billing Cycle in December of the same year. There is no maximum ANNUAL PERCENTAGE RATE during the term of this Note, except that the maximum 
may not exceed the maximum ANNUAL PERCENTAGE RATE permitted by California Credit Unions at the time of each ANNUAL PERCENTAGE RATE 
change.  The  minimum  ANNUAL  PERCENTAGE  RATE  during  the  term  of  this  Agreement  is  indicated  on  Addendum  “A”  (attached).  Decreases  in  the 
ANNUAL  PERCENTAGE  RATE  in  accordance  with  the  terms  of  the  Agreement  are  mandatory.  Increases  in  the  ANNUAL  PERCENATGE  RATE  in 
accordance with the terms of the Agreement are at our discretion. If the ANNUAL PERCENATGE RATE and corresponding monthly Periodic Rate increases 
or  decreases  the  INTEREST  CHARGE  will  increase  or  decrease.  Each  change  in  the  ANNUAL  PERCENATGE  RATE  and  the  corresponding  monthly 
Periodic Rate will apply to any unpaid balance on the effective date of such change as well as to future purchases and advances. 

ANNUAL CARDHOLDER FEE:   We will assess an Annual Cardholder Fee of $15.00 for each year your account is open, whether or not you use your 
account and regardless of the number of cards issued on your account. You can avoid such Annual Cardholder Fee if you terminate your Account within (30) 
days after the date of the Periodic Statement in which the Annual Cardholder Fee is posted. Otherwise, the Annual Cardholder Fee will not be refunded in 
whole or in part and shall be owed to us by you even if your account is subsequently changed, suspended, closed or terminated for any reason. 

THE FOLLOWING TERMS AND CONDITIONS APPLY ONLY TO VISA FIXED RATE CLASSIC AND GOLD CARDS: 

INTEREST CHARGE:   The INTEREST CHARGE for a Billing Cycle will be the sum of two (2) components: 
(1) 

CASH ADVANCE FEE:   One (1) component of the INTEREST CHARGE is the Cash Advance Fee. Cash and other Advance Transactions are 
subject to a Cash Advance Fee equal to 2% of the total amount of Cash Advance Transactions, or $10.00, whichever is greater, which are posted to 
your Account during the Billing Cycle (not to exceed the maximum rate permitted by California Credit Unions during the Billing Cycle). 

(2) 

MONTHLY PERIODIC INTEREST CHARGE, MONTHLY PERIODIC RATE, and NOMINAL ANNUAL PERCENTAGE RATE:   The second 
(2nd)  component  of  the  INTEREST  CHARGE  is  the  Monthly  Periodic  INTEREST  CHARGE.  The  Monthly  Periodic  INTEREST  CHARGE  for 
each Billing Cycle will be calculated by multiplying the Average Daily Balance (see explanation below) for your Account for the Billing Cycle by 
the  Monthly  Periodic  Rate.  The  Monthly  Periodic  Rate  and  corresponding  ANNUAL  PERCENTAGE  RATE  are  indicated  on  Addendum  “A” 
(attached). 

ckc04/12 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
THE FOLLOWING TERMS AND CONDITIONS APPLY TO BOTH VISA VARIABLE RATE AND VISA FIXED RATE CLASSIC AND GOLD 
CARD ACCOUNTS: 

CALCULATION  OF  THE  AVERAGE  DAILY  BALANCE:      We  calculate  the  Average  Daily  Balance  (the  balance  which  is  subject  to  the  Monthly 
Periodic Rate) as follows: The Average Daily Balance for your Account for a Billing Cycle is the average of the daily balances for each day of the Billing 
Cycle. To calculate the daily balance each day, we take the following steps: We take the unpaid balance (all amounts you owe) at the start of the day. Then, in 
the sequence in which the amounts post to your Account, we add the amounts of all debits and subtract the amounts of all payments and credit, which post to 
your Account that day. Payments are applied first to any unpaid INTEREST CHARGE from previous Billing Cycles, then to any late charge, and then to the 
balance of your Account. Credits are applied to the particular type of debit which is being credited, if any, and then to the balance of your Account. After 
applying payments and credits, we subtract any amount of INTEREST CHARGE, and late charge which remains unpaid. Then we also subtract the amount of 
any Cash Advance transaction that posts to your Account on that day or any previous day in the same Billing Cycle. The result is the daily balance for that 
day. We add together all  the daily balances for each day and divide the total by the number of days  in the Billing Cycle. The result is the Average Daily 
Balance for that Billing Cycle. 

Note that Cash Advance transactions which are posted to your Account during a Billing Cycle are not included in the Average Daily Balance for that cycle, 
and are therefore not subject to the Monthly Periodic Rate during that cycle. However, they are included in the New Balance shown on the statement for that 
cycle, and are therefore also included in the unpaid balance at the start of the first day of the next Billing Cycle. 

Please also note that if the total of the payments and credits, which are posted to your Account by the Payment Due Date shown on a statement, is equal to or 
exceeds the New Balance shown on the statement, we will not apply the Monthly Periodic Rate to your Account on your next Statement. 

Finally, if any statement shows a Previous Balance that is zero or is a credit balance, we will not apply the Monthly Periodic Rate to your Account on that 
statement. 

Your Total Periodic INTEREST CHARGE for the Billing Cycle is the sum of the Periodic INTEREST CHARGES on the Purchases Balance and the Periodic 
INTEREST  CHARGES  on  the  Advance  Transactions  Balance  for  the  Billing  Cycle.  This  determines  your  Periodic  INTEREST  CHARGE  for  the  Billing 
Cycle. Actual INTEREST CHARGES (Periodic INTEREST CHARGE, and Cash Advance charges) will be shown on your Monthly Statement. 

PAYMENT:   You promise to repay us at our office, or at the address set forth on your monthly statement, all sums advanced to you or any person you 
permit  to  use  this  Account  on  the  terms  and  the  rates  set  forth  herein.  Payments  will  continue  until  you  have  paid  in  full  the  unpaid  balance,  INTEREST 
CHARGE and any other fees or charges. If your ANNUAL PERCENTAGE RATE is changed (as applicable) pursuant to the provisions set forth above, the 
number of payments required to repay the unpaid balance will be affected accordingly. You understand that each payment is applied first to unpaid fees and 
charges then to unpaid INTEREST CHARGES, if any, then to the Purchases Balance, and then to Cash Advances. 

MINIMUM PAYMENT:   Every month, you must pay at least the Current Payment Due by the Payment Due Date shown on your Account Statement. By 
separate agreement, you may authorize us to charge the Current Payment Due automatically to your share or checking account with us. You may, of course, 
pay more frequently, pay more or pay the total New Balance in full, and you will reduce your interest charge by doing so. The Minimum Payment will be 
either (a) 4% of your total New Balance, rounded up to the next even dollar, or $15.00, whichever is greater, or (b) your total New Balance, if it is less than 
$15.00. In addition, you must pay any amount shown on your statement as past due and any late charge. Also, at any time your New Balance exceeds your 
Credit Limit, you must pay the excess. 

Your Minimum Monthly Payment is applied in the following order: (a) unpaid fees and charges, if any, (b) unpaid Periodic INTEREST CHARGE, (c) unpaid 
balance on purchases, and (d) unpaid balance of cash advances. 

LATE CHARGE:   If we do not receive your minimum payment by the due date listed on your statement, you may have to pay a $10.00 late fee. 

CREDIT LIMIT:   We will establish a Credit Limit for you. You agree not to let the unpaid balance exceed this Credit Limit. You agree to advise us of any 
change in your financial condition that may affect your creditworthiness. You agree that you shall update the credit information that you have provided us, 
from time to time, on our demand. You may request an increase in your Credit Limit, but Credit Limit increases must be approved by us. 

BILLING CYCLES AND DUE DATES:  For Visa Gold Cards, billing cycles end on the 10th of each month and payment is due on the 7th of the following 
month.  For Visa Classic Cards, billing cycles end on the 15th of each month and payment is due on the 12th of the following month. 

PURCHASES AND CASH ADVANCES:   You may make purchases and request advances in accordance with current loan policies up to your Credit Limit. 
You understand that all purchases and other transactions requested by you are subject to our approval. 

PREPAYMENTS OR IRREGULAR PAYMENTS:   Though you need only pay the Minimum Payment in accordance with the terms and conditions set 
forth herein, you understand that you have the right to repay your loan at any time without penalty. You also understand you will only be charged Periodic 
INTEREST  CHARGES  to  the  date  you  repay  our  entire  loan.  You  may  make  larger  payments  without  penalty  and  this  may  reduce  the  total  amount  of 
INTEREST  CHARGES  that  you  will  repay.  Any  partial  payment  of  your  loan  will  not  advance  your  next  payment  due  date(s).  You  understand  that  any 
payment that (a) delays or (b) accelerates the repayment of your unpaid balance will (a) increase or (b) decrease your INTEREST CHARGES. 

DEFAULT:   You will be in default (1) if you do not pay on time or in the proper amount; (2) you fail to abide by the terms of this Agreement; (3) your 
creditworthiness is impaired; or (4) you become insolvent, die or are the subject of bankruptcy or receivership proceedings. In the event of any action by us to 
enforce this Agreement, you agree to pay the costs thereof, reasonable attorney’s fees, and other expenses. You understand that INTEREST CHARGES at the 
Periodic ANNUAL PERCENTAGE RATE as permitted under this Agreement will continue to accrue until you repay your entire loan. 

ACCELERATION  AND  COLLECTION  COSTS:      If  you  are  in  default,  we  may  demand  immediate  payment  of  the  unpaid  balance,  INTEREST 
CHARGES,  late  charges,  annual  fees  and  collection  costs.  You  understand  that  you  will  be  subject  to  INTEREST  CHARGES  (at  the  applicable  Periodic 
Rate), late charges, annual fees and collection costs under the terms disclosed in this Agreement, until you repay your entire loan. You also agree to pay your 
reasonable attorney’s fees and court costs. 

RESPONSIBILITY:   You agree to repay us according to the terms of this Agreement for all purchases, advances, INTEREST CHARGES, late charges, and 
annual  fees,  if  any,  arising  from  the  use  of  this  Account  by  you  or  any  other  person  you  permit  to  use  your  Account,  even  if  that  person  exceeds  your 
permission. Any person using the Account is jointly and severally responsible with you. 

CHANGE OF TERMS:   This Agreement is the contract which applies to all transactions on your Account, even through the sales, credit or other slips you 
sign  or  receive  may  contain  different  terms.  You  understand  that  we  may  amend,  modify,  add  to,  or  delete  from  this  Agreement  any  of  its  terms  and 
conditions, including the method of application and the amount of INTEREST CHARGES, effective as to any unpaid balance and any subsequent advance, by 
mailing a notice of the change to your last known address. You also understand that any such notice will be mailed at least forty five (45) days prior to the 

ckc04/12 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
effective date of the change as required by Federal or other law. Notice of a change of terms is required, but may be sent as late as the effective date of the 
change where the change has been agreed to, in writing, by you. 

TERMINATION:   We may terminate this Agreement upon your default. Either we or you may terminate this Agreement for other good cause. In no event 
shall any termination relieve you of your obligation to repay sums already borrowed, INTEREST CHARGES, late charges and fees, if any. 

TRANSACTION SLIPS:   Your statement will identify the merchant, electronic terminal or financial institution at which transactions are made, but sales, 
advance, credit or other slips cannot be returned with your statement. You will retain the copy of such slips furnished at the time of the transaction in order to 
verify your monthly statement. We may make a reasonable charge for any photostatic copies of slips you request. 

CREDIT INFORMATION:   You authorize us to investigate your credit standing when opening, renewing or reviewing your Account, and you authorize us 
to disclose information regarding your Account to credit bureaus and other creditors who inquire of us about your credit standing to the extent authorized by 
law. 

SURRENDER OF CARD(S):   The Card(s) remains our property and, if we request, you must surrender to us all cards we have issued on your Account. 

LOST OR STOLEN CARDS:   To report lost or stolen card(s), the Account Number, PIN or any combination of the three, please call us at (707) 445-8801 
or (800) 974-9727, Monday through Friday, between the hours of 8:30 AM to 5:30 PM. After hours, weekends or holidays call (800) 682-6075. (If the lost or 
stolen card(s) is reported to the 800 number, you must still notify us the next working day at (707) 445-8801 or (800) 974-9727). 

UNAUTHORIZED USE:   You may be liable for the unauthorized use of your card. You will not be liable for unauthorized use that occurs after you notify 
us of the loss, theft or possible unauthorized use in writing at: Coast Central Credit Union, 2650 Harrison Avenue, Eureka, California 95501 or by telephone 
at the numbers listed above. 

USING THE CARD:   To make a purchase or obtain an advance, there are two alternative procedures to be followed. One is for you to present the card or 
card number to a participating VISA plan merchant, to us or to another financial institution, and sign or authorize a sales or cash advance draft. The order is to 
complete the transaction by using your Personal Identification Number (PIN) in conjunction with the card in an Automated Teller Machine (ATM) or other 
type of electronic terminal that provides access to the VISA system. 

Your VISA card and/or account may not be used for any illegal activity or transaction.  Further, you may not utilize your VISA card and/or account for the 
purchase of any goods or services on the Internet that involves gambling of any sort.  Such transactions include, but may not be limited to, a quasi-cash or 
online  gambling  transaction,  any  electronic  commerce  transaction  conducted  over  an  open  network,  and  any  betting  transaction  including  the  purchase  of 
lottery  tickets  or  casino  gaming  chips  or  off-track  betting  or  wagering.    However,  in  the  event  that  a  charge  or  transaction  described  in  this  paragraph  is 
approved and processed, you will still be responsible for such charges. 

ELECTRONIC FUNDS TRANSFERS:   In the event a use of your card, or the account number of the card, constitutes an Electronic Funds Transfer, the 
terms and conditions of your Electronic Funds Transfer Agreement and Disclosure with us shall govern such transactions to the extent the Electronic Fund 
Transfer Agreement and Disclosure expands or amends this Agreement. 

MERCHANT DISPUTES:   In order for a transaction to be eligible for dispute, you must first attempt to resolve the issue with the merchant.  Your right to 
dispute will depend upon their stated terms, conditions, and return policy.  If goods were received, you must return them to the merchant and provide us with 
supporting documentation, including a tracking number and proof of insurance.  You may file a dispute if no credit is received after 15 days from the return 
shipment date.  For international purchases, if you do not or cannot return the item(s) for any reason, a dispute cannot be processed. 

We are not responsible for the refusal of any merchant or financial institution to honor your card. We are subject to claim and defenses (other than tort claims) 
arising out of goods or services you purchase with the card only if you have made a good faith attempt but have been unable to obtain satisfaction from the 
merchant, and (a) your purchase was made in response to an advertisement we sent or participated in sending you, or (b) your purchase cost more than $50.00 
and  was  made  from  a  merchant  in  your  state  or  within  100  miles  of  your  current  mailing  address.  Any  other  dispute  must  be  resolved  directly  with  the 
merchant. 

QUASI-CASH TRANSACTIONS:  There is a $1,000.00 per day limit on “Quasi-Cash” transactions.  A Quasi-Cash transaction is defined as the sale of an 
item that converts to cash, such as transactions performed at a casino cash cage, casino gaming chips, money orders, deposits, wire transfer money orders, 
travelers’ cheques and Visa Travel/Money cards. 

FOREIGN  TRANSACTIONS:      Purchases  and  Advances  made  in  foreign  countries  and  foreign  currencies  will  be  billed  to  you  in  U.S.  Dollars.  The 
conversion rate to dollars, in accordance with VISA operating regulations for international transactions, will be at a rate selected by VISA from the 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.  For each instance, any third-party currency conversion fees will be added.   

EXCHANGE RATES:  VISA USA charges us a 0.8% International Service Assessment on all international transactions, regardless of whether there is a 
currency conversion.  If there is a currency conversion, the International Service Assessment is 1% of the transaction.  In either case, we pass this international 
transaction fee on to you.  An international transaction is a transaction where the country of the merchant is located outside of the USA. 

Transactions made in foreign countries and foreign currencies will be billed to you in U.S. dollars.  The conversion rate to dollars, in accordance with VISA 
operating regulations for international transactions, will be:  (1) a rate selected by VISA from the 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  (2)    the  government-mandated  rate  in  effect  for  the 
applicable central processing date. 

PAYMENTS MARKED “PAID IN FULL”:   We may accept checks, money orders, or other types of payment marked “Payment In Full” or use other 
language to indicate full satisfaction of any indebtedness, without being bound by such language or waiving any rights under this Agreement. We shall accept 
full satisfaction of indebtedness only in a written agreement, signed by an authorized representative of Coast Central Credit Union. 

RETURNS AND ADJUSTMENTS:   Merchants and others who honor the Card may give credit for returns or adjustments, and they will do so by sending 
you a credit slip which we will post to your Account.  If your credits and payments exceed what you owe us, we will hold and apply this credit balance against 
future purchases and cash advances, or if it is $1.00 or more, refund it upon your written request or automatically after six (6) months. 

SIGNATURES AND RECEIPTS:   Some merchants are not required to provide a receipt for purchases under $25.00 unless the cardholder requests one, and 
may not require a signature for these amounts.  If you do not receive a receipt for one of these purchases, you should request one from the merchant. 

DELAY IN ENFORCEMENT:   We can delay enforcing any of our rights under this Agreement without losing them. 

ckc04/12 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
GOVERNING LAW:   You understand and agree that this Agreement is made in California and shall be governed by the laws of the State of California to 
the extent that California law is not inconsistent with Federal law. You also understand 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 sheet of paper labeled “Additional Disclosure-Federal Truth-In-Lending Act” which is delivered together with this 
form is and integrated part of this Agreement. 

CHANGE OF NAME, ADDRESS, EMPLOYMENT STATUS:   You understand and agree that you must report to us any change of name, address or 
employment status. 

NOTICE:   See the statement below for important information regarding your right to dispute billing errors. 

COPY RECEIVED:   You acknowledge receipt of a copy of this VISA Variable Rate and/or VISA Fixed Rate Classic and Gold Card(s) Agreement and 
Federal Truth-In-Lending Disclosure Statement and agree to and accept its terms. 

The words “You,” “Your,” and “Yours” mean each and all of those who are subject to the VISA VARIABLE RATE and/or VISA FIXED RATE CLASSIC 
AND GOLD CARD(S) Card Agreement. The words “We,” “Us,” and “Ours” mean Coast Central Credit Union.  This notice contains important information 
about your rights and responsibilities under the Fair Credit Billing Act. 

YOUR BILLING RIGHTS  (Keep this Notice for future use): 

NOTIFICATION IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR STATEMENT 
If you think your statement is wrong, or if you need more information about a transaction on your account, you must write to us on a separate sheet at the 
address listed on your statement. You should write to us as soon as possible. We must hear from you no later than sixty (60) days after we sent you the first 
statement on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. 

In your letter, you should provide us with the following information: 
 
 
 

Your full name and account number. 
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 information, you will describe the item you are not sure about. 

If you have authorized us to pay your credit card statement automatically from your account, you can stop the payment on any amount that 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 RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE 
We  must  acknowledge  your  letter  within  thirty  (30)  days,  unless  we  have  corrected  the  error  by  then.  Within  ninety  (90)  days,  we  must  either  correct  the  error  or 
explain why we believe the statement 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 in question, 
including  INTEREST  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 the statement that are not in question. 

If we find that we have made a mistake on your statement,  you will not have to pay any INTEREST CHARGES related to any questioned amount.  If we did not make 
a mistake, you may have to pay INTEREST 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 us within ten (10) 
days  telling  us  that  you  still  refuse  to  pay,  we  must  tell  anyone  we  report  you  to  that  you have  questions about  your  statement.  And,  we  must  tell  you  the name  of 
anyone we reported you to. We must also tell anyone we report you to that the matter has been settled between us when it finally is. 

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 limitations on this right: 
A) 
B) 
These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. 

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 must have been more than $50.00. 

Annual Percentage 
Rate for 
Purchases 

Grace Period for 
Repayment of the 
Balance for Purchases

Method of 
Computing the 
Balance for Purchases 

Minimum 
Interest 
Charge 

Fixed Rate- See Addendum “A” 
Variable Rate- See Addendum “A” 

25-28 days 

Average Daily Balance 
(including current 
transactions) 

None 

Annual 
Fee 

Transaction Fee 
For Purchases 

Transaction Fee For 
Cash Advances 

Balance 
Transfer Fee 

Late 
Payment Fee 

Fixed Rate- None 
Variable Rate- $15.00 

None 

2% of 
Cash Advance or 
$10.00, whichever is 
greater. 

2% of 
balance transferred or 
$10.00, whichever is 
greater. 

$10.00 

ckc04/12