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LOST OR STOLEN CARDS
If your card is lost or stolen or you believe an unauthorized person is
using your card number, you must notify us immediately. Call 800-
325-0808.

VISA
You will not be liable for the unauthorized use of your card. In event
of the unauthorized use, or if your card is lost or stolen, you must
notify us immediately at 73 Mountainview Boulevard, P.O. Box 621,
Basking Ridge, NJ 08920, Attn: Card Services Division by calling
800-325-0808.

CANCELLATION
You may cancel your account at any time by notifying us in writing
and returning the card cut in half. However, you remain responsible
to pay the amount you owe us according to the terms of this
Agreement. We can cancel or suspend your account at any time with-
out prior notice and reissue a different one at any time. If we ask, you
will destroy the card by cutting it in half and will surrender the pieces
to us or our agent, or mail them to us.

WHAT LAW APPLIES
This Agreement will be governed by the law of the state of New
Jersey.

RETURNED CHECK CHARGE
If you make a payment on your account using a check that is returned
to us unpaid, we will charge you $25 which you agree to pay imme-
diately.

BILLING ERROR 
RIGHTS SUMMARY

YOUR BILLING ERROR RIGHTS 
KEEP THIS NOTICE FOR FUTURE USE

This notice contains important information about your rights and our
responsibilities under the Fair Credit Billing Act.

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 to us on a separate sheet of paper and
send it to: Affinity FCU, P.O. box 621, Basking Ridge, NJ 07920,
Attn: Card Services Division. Write to us as soon as possible. We
must receive written notification 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 and we may
require written notification.

In your letter give the following information:

•  Your name and account number
•  The dollar amount of the suspect 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.

•  You have tried in good faith to correct the problem with the

merchant.

If you have authorized us to pay your credit card account bill auto-
matically from your savings or checking account, you can stop pay-
ment on any amount you think is wrong. To stop payment your letter
must reach us three (3) days before the automatic payment is sched-
uled to occur.

YOUR RIGHTS AND OUR 
RESPONSIBILITIES AFTER WE 
RECEIVE YOUR WRITTEN NOTICE
We must acknowledge your letter within 30 days, unless we have cor-
rected the error by then. Within 90 business days, we must either cor-
rect 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 for that amount. We can contin-
ue to bill you for the amount in question including FINANCE
CHARGE, 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 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 relating to any questioned amount. If
we did not 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 days telling us that you still refuse to
pay, we must tell anyone we report you to that you have a question
about your bill. And, we must tell you the name of anyone we report-
ed you to. We must tell anyone we report you to that the matter has
been settled between us when it finally is resolved.

SPECIAL RULE FOR CREDIT 
CARD PURCHASES
If you have any problem with the quality of property or services that
you 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 property or services. There
are two limitations on this right:

A. 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

B. The purchase price must have been more that $50.

These limitations do not apply if we mailed you the advertisements
for the property or services.

ILLEGAL ACTIVITIES AND CARD USE
I agree not to use my card or account to engage in activities deemed
illegal by federal and/or state laws, including, but not limited to
Internet gambling. If I use my card or account to engage in certain
activities deemed illegal by federal and/or state laws, I understand
that I will nevertheless be liable for any resulting advance made by
the use of my card or account. Should illegal use occur, I agree to
waive any right to sue the Credit Union for such illegal use or any
activity directly or indirectly related to it. I agree to indemnify and
hold the Credit Union harmless from suits or other legal action or lia-
bility, directly or indirectly, resulting from such illegal use.

MULTICURRENCY CONVERSION
Transactions made in foreign countries will be billed to you in US
dollars. Conversion to US dollars is determined by 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 plus 1 percent currency
conversion fee. 

SINGLE-CURRENCY CONVERSTION 
Transactions made in foreign countries processed in US dollars are
known as single-currency transactions. Single-currency transactions
are subject to an .80% International Service Assessment (ISA) fee.
The single-currency ISA fees will appear as a separate item on your
statement for each transaction completed in a foreign country in US
dollars. It is important to note that transactions conducted in US mili-
tary bases, territories, embassies, or consulates; and fund transfers
will not be subject to the .80% ISA fee.

RIGHT TO STOP PAYMENT OF PRE-
AUTHORIZED TRANSFERS 
If you have made arrangements to make recurring or installment pay-
ments from your Visa Credit Card you can stop these payments by
notifying Affinity either (a) orally by calling us at 1-800-325-0808;
(b) in writing by sending a letter to Affinity Federal Credit Union, PO
Box 621, Basking Ridge, NJ 07920-9881, Attention: Card Products
Department at least 3 business days prior to the schedule date of the
electronic transfer. In the event the stop payment request is oral, you
have 14 days of the oral notification to send something in writing. In
the event we do not receive the written notification within 14 days of
the oral request, the stop-payment order ceases to be binding.

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04-1017/Rev. 06/09

Credit 

Card 

Account 

Agreement

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Credit Card Account Agreement
Visa® Business
Visa® Platinum
Visa® Gold
Visa® Classic
Hillsborough Rewards Visa®
Visa® Rewards

In this agreement, the words we, our and us mean the Affinity
Federal Credit Union. The words you and your mean each person
who request for a credit card account has been approved by us or who
has established a credit account with us through use of a card. The
word card means all credit cards we issue to you.

Use of the account by you or a person authorized by you will consti-
tute your acceptance of the terms and conditions of this Agreement
and its application to your credit account with us. If this is a joint
account, each of you are liable for all amounts owed. You are also
liable for any purchases or cash advances made by any other person
you permit to use the account.

You understand that we will not be responsible for anyone’s refusal to
honor your card. And, except as otherwise required by law or regula-
tions, we will not be responsible for merchandise or services pur-
chased through use of your card.

CREDIT CARDS
You can use your card to purchase goods, services, and other things
of value wherever Visa is honored. You can also use your card to get
cash advances at financial institutions. Limits on daily usage of your
card are imposed for security purposes.

PIN NUMBER
You understand that your card may be used to obtain a cash advance
on your Visa account and any ATM (Automated Teller Machine) that
bears the Visa symbol.  By using the card in the ATM or any PIN
activated sales terminal, you acknowledge that the PIN (Personal
Identification Number), which is assigned to you, when used with
your card is your signature, identifies the bearer of the card to Visa
and authenticates and validates the directions given just as your actu-
al signature. You further acknowledge that your PIN is an identifica-
tion code that is personal and confidential and that the use of the PIN
with the card is a security method by which the Credit Union helps
you maintain the security of your account.  Therefore, you agree to
take all reasonable precautions that no one else learns your PIN. You
also understand that reasonable precautions include, but are not limit-
ed to the following:
A. You agree not to tell or disclose your PIN to any other person.
B. You agree not to write your PIN on your card.
C. You agree not to keep a written record of your PIN near your

card. This means that you agree not to keep your PIN in the same
wallet, cardholder, envelope, or place where you keep your card.

REPAYMENT
You promise to pay us all amounts charged and borrowed by the use
of your credit card, plus any FINANCE CHARGES and other charges
or fees provided for this Agreement, all payable in U.S. dollars.

CREDIT LIMIT
You will be notified of your credit limit on your account.  You agree
not to allow what you owe on your account to exceed your credit
limit. You must pay any amount over your credit limit whenever we
ask you to.

If your account balance exceeds your credit limit as shown on your
monthly statement as of the billing date, an overlimit charge of $25
will be due and payable by you immediately. The account balance
used in calculating whether an overlimit charge should apply will
include any and all unpaid charges including but not limited to,
unpaid FINANCE CHARGES, late charges, overlimit charges and
returned check charges.

PERIODIC STATEMENT
If you have a balance, or if a FINANCE CHARGE is imposed during
the billing cycle, we will send you a monthly statement. It will show
for the monthly period covered your currently posted purchases and
cash advances, the FINANCE CHARGE and other fees and charges,
if any, your “New Balance,” the minimum payment due, and the date
the payment is due.

MINIMUM PAYMENT
Your minimum payment will be equal to 2% of the New Balance
shown on your monthly statement plus any amounts past due and/or
over the limit including any fees, but at least $20, or the entire New
Balance if it is less than $20. You may at any time pay more that the
minimum amount due.

PAYMENT APPLIED
Payments are applied in the following order, unpaid FINANCE
CHARGES, previously billed miscellaneous charges are principal
reduction. The principal reduction portion of the payment is first used
to pay purchase advances and then cash advances from the last state-
ment. If these are paid off by the payment, the purchase advances
made during the payment billing cycle are paid.

LATE CHARGE
If you do not make a payment on your account equal to or greater
than the minimum monthly payment due on your current monthly
statement by or before the fifth day following the payment due date,
you agree that a late charge of $25 is payable by you immediately.

FINANCE CHARGE ON 
CARD PURCHASES
No FINANCE CHARGE on purchases is charged if the balance is
paid in full by the due date. We figure the FINANCE CHARGE by
applying a daily periodic rate (see VARIABLE RATE section below)
to the Average Daily Balance of your purchase account including cur-
rent transactions.

To get the Average Daily Balance of your purchase amount, we take
the beginning balance each day (including the billing date of previous
cycle and excluding the billing date of the current cycle), add any
new purchases and subtract any payments, credits, unpaid FINANCE
CHARGES, unpaid late charges and unpaid overlimit charges. This
gives us the Average Daily Balance of purchases.

FINANCE CHARGES ON 
CASH ADVANCES
You will pay a FINANCE CHARGE on your cash advances from the
day we post the advance until it is paid in full. We calculate the
FINANCE CHARGE by applying the daily periodic rate (see VARI-
ABLE RATE section below) to the Average Daily Balance of your
cash advance account.

To get the Average Daily Balance of your cash advance amount, we
take the beginning balance each day (including the billing date of the
previous cycle and excluding the billing date of the current cycle),
add any new cash advances and subtract any payments, credits,
unpaid FINANCE CHARGES, unpaid late charges and unpaid over-
limit charges. This gives us the daily balance. Then we add up the
daily balances for the billing cycle and divide the total by the number
of days in the billing cycle. This gives the Average Daily Balance for
cash advances.

VARIABLE RATE
You agree to the monthly rate used in calculating your FINANCE
CHARGE (see FINANCE CHARGE section above) will be a VARI-
ABLE RATE. This means that the rate may change every month and
such a change will occur on the first day of your next monthly billing
cycle.

VISA Business Account
Your periodic monthly rate will be the higher of either:
A. .688% per month (ANNUAL PERCENTAGE RATE 8.25%), or
B. .25% above the Prime Lending rate as published in the “Money

Rates” section of the Wall Street Journal newspaper on the twen-
tieth day of the previous month, divided by twelve (12).

VISA Platinum Account
Your periodic monthly rate will be the higher of either:
A. .716% per month (ANNUAL PERCENTAGE RATE 8.6%), or
B. .70% above the Prime Lending rate as published in the “Money

Rates” section of the Wall Street Journal newspaper on the twen-
tieth day of the previous month, divided by twelve (12).

Visa Gold Account
Your periodic monthly rate will be the higher of either:
A. .800% per month (ANNUAL PERCENTAGE RATE 9.6%), or
B. 1.7% above the Prime Lending rate as published in the “Money

Rates” section of the Wall Street Journal newspaper on the twen-
tieth day of the previous month, divided by twelve (12).

Visa Classic Account
Your periodic monthly rate will be the higher of either:
A. .883% per month (ANNUAL PERCENTAGE RATE 10.6%), or
B. 2.7% above the Prime Lending rate as published in the “Money

Rates” section of the Wall Street Journal newspaper on the twen-
tieth day of the previous month, divided by twelve (12).

Hillsborough Rewards Visa
Your periodic monthly rate will be the higher of either:
A. .883% per month (ANNUAL PERCENTAGE RATE 10.6%), or
B. 2.7% above the Prime Lending rate as published in the “Money

Rates” section of the Wall Street Journal newspaper on the twen-
tieth day of the previous month, divided by twelve (12).

Visa Rewards
Your periodic monthly rate will be the higher of either:
A. 1% per month (ANNUAL PERCENTAGE RATE 12%), or
B. 5.3% above the Prime Lending rate as published in the “Money

Rates” section of the Wall Street Journal newspaper on the twen-
tieth day of the previous month, divided by twelve (12).

We reserve the right, at any time, to charge you a lower rate than this
formula might indicate without losing any of our rights. Any increase
in the interest rate will be effective as to future advances and your
outstanding loan balance regardless of whether you use the card after

the effective date of a change in the interest rate.

ANNUAL FEES
VISA Business
VISA Platinum
VISA Classic and Gold
Hillsborough Rewards VISA
VISA Rewards

None
None
None
None
None

DEFAULT
You will be in default if you miss a payment, file for bankruptcy or
break one of your promises under this Agreement, or under any other
Agreement you have with us. Default means we can require immedi-
ate payment of entire account balance. No notice is required. We can
also do this if you die or if any other creditor tries to seize your prop-
erty.

COLLECTION COSTS AND 
ATTORNEY FEES
If you are in default and we have to refer your account to an attorney,
you promise to pay a reasonable attorney’s fee and all court and col-
lection costs actually incurred by us.

CHANGE IN TERMS
We can change the terms of this Agreement at any time. The new
terms will apply to both new purchases and advances, and to the out-
standing balance in your account. We will let you know (at your
address shown on our credit card records) about any increased
charges, at least fifteen (15) days before the start of the billing period
when the change takes place, except an increase in the ANNUAL
PERCENTAGE RATE and FINANCE CHARGE, which index and
formula are already set forth in this Agreement.

PREPAYMENT
I understand that I can repay any outstanding balance prior to maturi-
ty in whole or in part at my option without penalty.

IRREGULAR PAYMENT/DELAY 
IN ENFORCEMENT
We can accept late payments or partial payments, or checks and
money orders marked “Payment in Full,” without losing any of our
rights under this Agreement. We can delay enforcing our rights under
this Agreement without losing them.

QUESTIONS AND BILLING ERRORS
Please let us know right away if you have any questions about your
statement. You can write to us at: Affinity FCU, P.O. Box 621,
Basking Ridge, NJ 08920, Attn: Card Services Division.

NOTICE: See the Billing Rights Summary on the back of this form
for important information regarding your rights to dispute billing
errors.

CHANGE OF ADDRESS
If you move, you must give us your new address. Please write it on
the payment stub of your statement so we can change our records.

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