Your terms: 

Your terms: 

Your terms: 

VISA PLATINUM DISCLOSURE

Interest Rates and Interest Charges 

Credit Tier 3 

Credit Tier 2 

Credit Tier 1 

Annual Percentage Rate 
(APR) for purchases and 
balance transfers 

10.99% Variable1 
11.99% Variable1 Rewards 

9.99% Variable1 
10.99% Variable1 Rewards 

 7.99% Variable1 
 8.99% Variable1 Rewards 

Variable Rate Information 

Prime plus 7.74% 
Prime plus 8.74% Rewards 

Prime plus 6.74% 
Prime plus 7.74% Rewards 

Prime plus 4.74% 
Prime plus 5.74% Rewards 

Annual Percentage Rate 
(APR) for cash advances2 

17.9% 

17.9% 

17.9% 

Grace Period: How to avoid 
paying interest on purchases 

Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on new purchases if you pay 
your entire balance by the due date each month.  Grace period does not apply to cash advances or balance transfers. 

Minimum Interest Charge 

None 

None 

None 

How we will calculate your 
balance 

Average daily balance (including new 
purchases) 

Average daily balance (including new 
purchases) 

Average daily balance (including new 
purchases) 

For credit card tips from the 
Federal Reserve Board 

To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at 
http://www.federalreserve.gov/creditcard. 

Fees 

Annual Fee 

Balance Transfer Fee 

None 

None 

None 

None 

Late Fee 

Over Limit Fee 

Card Benefits 

$15 on balances up to, but not including, $1000 
$20 on balances of $1000 up to, but not including, $2000 
$25 on balances of $2000 and over 

None 

None 

None 

None 

None 

Extra Awards Points3 

Earn one (1) award point for every $1 you 
spend 

Earn one (1) award point for every $1 
you spend  

Earn one (1) award point for every $1 you 
spend 

Verified by Visa 

Online purchases are secure when you 
register 

Online purchases are secure when you 
register 

Online purchases are secure when you 
register 

Applications are subject to credit approval. Your rate and credit limit will be determined by individual credit worthiness including income, debt ratio, employment 
and credit history. Must be 18 years of age to qualify. Verification of income may be required. 

1Variable Rate Information: The Annual Percentage Rate may increase or decrease if the Prime Rate Index “PRI” increases or decreases.  The Prime Rate Index 
is the highest prime rate published in the Wall Street Journal on the last business day of each month. If this index is no longer available, the credit union will 
choose a new index which is comparable to the index described herein.   

2Applies to new and existing cash advance balances. 

3Redemption of Extra Awards points is subject to the terms and conditions of awards program. 

Rev 01/2014. Federally insured by NCUA. 

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VISA PLATINUM DISCLOSURE

INITIAL DISCLOSURE AND 
CARDHOLDER AGREEMENT 

This agreement covers your VISA, and/or Swift Cash (if applicable). In this Agreement the words “you” and “your” mean any user of the card or cards 
previously indicated. “We”, “our” and “us” mean Mountain America Federal Credit Union. You agree that if you sign, request, use or permit others to sign 
or  use  any  of  the  cards  issued  by  Mountain  America  Federal  Credit  Union  that  you  have  agreed  to  all  of  the  following  terms.  “APR”  means  Annual 
Percentage  Rate.  “Account”  means  the  relationship  established  between  you  and  Mountain  America  Federal  Credit  Union.  “Card”  means  VISA® 
Platinum Credit Card, or a VISA Debit Card or any other access devices we give you to access your account. “PRI” means Prime Rate Index.  

You may use your account to buy goods and services any place your card is honored. You may also use your account to get a cash advance or if you 
have Swift Cash, an overdraft advance. You agree to all procedures required by us or any merchant which honors your card as well as all terms on your 
card. Any plural term used in this Agreement shall be deemed singular if context and construction so require. Any singular term used in this Agreement 
shall be deemed plural if context and construction so require.  

1.  HSA  (Health  Savings  Accounts)  DEBIT  CARD  TRANSACTIONS.  Subject  to  Visa  card  regulations  as  stated  in  this  disclosure  and  card  holder 
agreement. In addition, all debit card transactions are subject IRS regulations and reporting as stated on your HSA application and 5305-C disclosure 
statement. (Section 11.12.) All distributions are reported to the IRS as normal distributions.  

2.  CANCELLATION  OF  THIS  AGREEMENT.  You  agree  that  the card(s)  you  have  is  our  property and  that  we  may terminate this  Agreement  if  you 
break any of your promises or you are in default under this Agreement. You agree to return the card to us or we may pick it up at any time after this 
Agreement is terminated. You may end this Agreement by returning the card to us and paying the outstanding balance of your account in full.  

3. CREDIT LIMIT. From time to time we may modify the maximum credit limit established for all extensions on your account. You agree to keep the total 
of purchases made on your account within that limit.  

4. PROMISE TO PAY. You promise to pay us all amounts borrowed under this Agreement, plus any finance charge or other amounts due both before 
and after judgment. You agree to pay us on or before the due date shown on your monthly statement. Each month we will send you a statement showing 
any purchases, advances, or credits made on your account during that billing cycle and your new balance, and the date it is due.  

Visa Credit: You may pay in full for all your purchases and advances each month or you may make the periodic minimum payment of 2.5% of 
the unpaid balance or $15.00 whichever is greater. Balances under $15.00 must be paid in full. The “Minimum Payment” due as shown on 
your statement shall include the minimum payment due on your new balance plus any amounts past due, plus any amount over your credit 
limit. If you exceed your credit limit the excess will be shown on your statement as “Amount Over Credit Limit.” The amount you must pay for 
that statement will be shown as “Minimum Payment Due.”  

Visa Debit Card/Swift Cash: You may pay in full for all your advances each month or you may make the periodic minimum payment of 3.5% 
of the unpaid balance or $25.00 whichever is greater. Balances under $25.00 must be paid in full.  

5.  SECURITY  INTEREST.  You understand that by signing, using this card or line of credit, you agree, individually and collectively, to give MAFCU a 
security interest in all present and future shares you have, or have interest in, in any personal account(s) with us. Under the Federal Credit Union Act, 
we  have  a  statutory  lien  on  your  shares  and  other  deposits.  This  means  we  may  place  a  lien  on  (freeze)  your  present  and  future  shares,  share 
certificates and dividends to the extent of that portion of your card account that is in default. You are also giving a security interest in all present and 
future checking accounts you have with us. You authorize us to take that money and apply it to what you owe if you are in default. You are not giving a 
security interest in any shares or money in an IRA, SEP, KEOGH, or any other account which, if pledged, would result in the loss of special tax treatment 
under the Internal Revenue Code. Additionally, you understand that collateral securing other loans, except real property, will secure this account.  

6. INTERNATIONAL SERVICE ASSESSMENT CURRENCY CONVERSION FEE (ISA FEE)  

Non-US dollar transactions made in foreign countries (a.k.a. multi-currency transactions) 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 
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. The currency conversion fee will appear as a separate line on your statement for each transaction completed in a foreign country. 

US dollar transactions made in foreign countries (a.k.a. single currency transactions) will be billed to you in US dollars and will be collected from you for 
any transaction conducted in US dollars from a foreign country as a separate transaction titled ISA Fee.  

Transactions conducted in a US Territory, on a US military base, or within a US Embassy or Consulate will not incur either a currency conversion fee or 
an ISA fee. Credit Vouchers (also known as returns) and Cash Reversals are not subject to a currency conversion fee or ISA fee.  

7.  COMPUTATION  OF  THE  PRIME  RATE  INDEX  (PRI).  The  Annual  Percentage  Rate  (APR)  for  all  variable  rate  consumer  advances  and  share 
secured advances is tied to the “PRI”. The “PRI” is the highest prime rate published in the Wall Street Journal on the last business day of each month. If 
this index is no longer available, the credit union will choose a new index which is comparable to the index described herein. The APR will be the “PRI” 
plus the percentage shown below. The interest rates may change on the first of every month.  

8. BALANCE COMPUTATION METHOD.  

a.  Visa Credit Balance Computation Method: Average Daily Balance including New Purchases. The balance subject to finance charge is 
identified  on  your monthly  statement  as  “Cash  Advance Average  Daily  Balance”  and  “Purchases  Average  Daily  Balance.”  To  get  the  Cash 

Rev 01/2014. Federally insured by NCUA. 

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VISA PLATINUM DISCLOSURE

Advance Average Daily Balance, we take the beginning balance each day, add new advances and other debits, and subtract payments and 
credits.  This  gives  us  the  daily  balance.  Then  we  add  up  all  the  daily  balances  in the  billing  cycle  and  divide  by the  number  of  days  in  the 
billing cycle. To get the Purchases Average Daily Balance, we take the beginning balance each day, add new purchases and other debits, and 
subtract payments and credits and divide by the number of days in the billing cycle.  

b.  Visa  Debit  Card/Swift  Cash  Balance  Computation Method. The balance used to compute the finance charge is the unpaid balance each 

day after payments and credits to that balance have been subtracted and any new advances have been added.  

9. FINANCE CHARGES.  

If the entire current Visa balance as shown on your monthly statement is paid in full by the due date, you will not be charged a periodic finance charge 
on the purchases average daily balance for the billing cycle ending on the due date. Cash Advances are always subject to a finance charge from the 
date of posting.  
The total finance  charge shown on your monthly statement consists of the periodic finance charge on purchases and cash advances from the day of 
posting.  

a.  Visa Platinum, credit tier 3 without rewards, Variable Interest Rate (25-day Grace Period). The monthly periodic rate on June 1, 2011, was 
.91583%. This is an APR of 10.99%. The annual percentage rate may vary. The flexible rate is based on the Mountain America Federal Credit 
Union PRI plus 7.74% with a maximum rate of 18.0% APR.  

b.  Visa  Platinum,  credit  tier  3, with  rewards, Variable Interest Rate (25-day Grace Period). The monthly periodic rate on June 1, 2011, was 
.99917%. This is an APR of 11.99%. The annual percentage rate may vary. The flexible rate is based on the Mountain America Federal Credit 
Union PRI plus 8.74% with a maximum rate of 18.0% APR.  

c.  Visa Platinum, credit tier 2, without rewards, Variable Interest Rate (25-day Grace Period). The monthly periodic rate on June 1, 2011, was 
.91583%. This is an APR of 9.99%. The annual percentage rate may vary. The flexible rate is based on the Mountain America Federal Credit 
Union PRI plus 6.74% with a maximum rate of 18.0% APR.  

d.   Visa  Platinum,  credit  tier  2, with  rewards, Variable Interest Rate (25-day Grace Period). The monthly periodic rate on June 1, 2011, was 
.99917%. This is an APR of 10.99%. The annual percentage rate may vary. The flexible rate is based on the Mountain America Federal Credit 
Union PRI plus 7.74% with a maximum rate of 18.0% APR.  

e.  Visa  Platinum,  credit  tier  1,  without  rewards,  Interest  Rate  (25-day  Grace  Period).  The  monthly  periodic  rate  on  June  1,  2011,  was 
.74917%. This is an APR of 7.99%. The annual percentage rate may vary. The flexible rate is based on the Mountain America Federal Credit 
Union PRI plus 4.74% with a maximum rate of 18.0% APR.  

f.   Visa Platinum, credit tier 1, with rewards, Interest Rate (25-day Grace Period). The monthly periodic rate on June 1, 2011, was .83250%. 
This is an APR of 8.99%. The annual percentage rate may vary. The flexible rate is based on the Mountain America Federal Credit Union PRI 
plus 5.74% with a maximum rate of 18.0% APR..  

g.   Cash  Advance  APR.  This  rate  applies  to  all  credit cards. The monthly periodic rate on June 1, 2011, was 1.49167%. This is an APR of 

17.9%. There is no grace period on cash advance balances.  

h.   Balance Transfers. There is no grace period on balance transfers. From time to time we may offer a promotional rate. Rates will be disclosed 

appropriately at the time of the transfer.   

i.   Visa  Debit  Card  and/or  Swift  Cash  (if  applicable),  Variable  Interest  Rate.  The  total  finance  charge  shown  on  your  monthly  statement 
consists of the periodic finance charge on loan advances to cover purchases, checks and cash advances from the day of posting. The daily 
periodic rate on June 1, 2011 was .032877%. That is an APR of 12.0%. The annual percentage rate may vary. The flexible rate is based on 
the Mountain America Federal Credit Union PRI plus 6.0%. The minimum periodic rate is 12.0% APR and the maximum is 18.0% APR. There 
is no time period in which loan advances may be repaid without incurring a periodic finance charge. There is no grace period.  

10. LIABILITY. If the card is issued to you and others on a joint application, each use of the card shall be an extension of credit to all and each of you 
shall be jointly and severally liable. If you allow anyone else to use your card, you will be liable for all credit extended to him/her.  

11. Authorized Cardholders.  Mountain America may permit account holders to add Authorized Cardholders to an account upon request. The account 
holder  assumes  any  responsibility  or  liability  for  any  transactions  that  the  Authorized  Cardholder  may  initiate.  Authorized  cardholders  (including 
MyExpress)  will  be  given  a  card  associated  with  the  account  holder’s  account  and  transactions  are  limited  to  signature-based  and  pin-based 
transactions  only.  The  use  of  authorized  cards  may  not  be  for  payroll  purposes.  Authorized  cardholders  shall  not  be  permitted  to  withdrawal  funds 
directly  from  the  teller  line.  It  is  understood  by  the  account  holder  that  funds  may  be  accessed  by  Authorized  Cardholders  through  use  of  the  card; 
however, the funds will remain under the ownership of the share account holder.  

12. LOST/REPLACEMENT CARD. You agree to promptly notify us orally or in writing if your card or card number is lost or stolen. You may notify us of 
the loss by sending a written notice or calling us at the address or telephone number listed on each billing statement. A $10 fee may be assessed for 
each replacement card.  

13. LATE FEE. We may assess a late fee if your “Minimum Payment Due” is not made by the 10th day following your payment due date. This fee will be 
$15.00 on balances up to $1000.00, $20.00 on balances up to $2000.00, and $25.00 on balances over $2000.00.  

14. AUTOMATED TELLER MACHINE (ATM) FEE. A transaction fee may be assessed on your account when you use your card to access information 
or make any transaction on your Credit Union account(s). An empty envelope fee up to $30.00 may be assessed to your account for any deposit made 
through the ATM that does not contain a legitimate deposit. This fee is in addition to any other surcharge or transaction fees initiated by the proprietary 
ATM owner.  

15. ANNUAL CARD FEE. No annual consumer card fee.  

16. OVER LIMIT CHARGE. No over limit charge.  

Rev 01/2014. Federally insured by NCUA. 

Page 3 of 6

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
VISA PLATINUM DISCLOSURE

17. CASH ADVANCE FEE. No cash advance fee.  

18. BALANCE DUE. If you miss a payment or if you break any other promise you have made under this Agreement, we may declare your entire balance 
due and payable at once without notice or demand. We may also do this if you have made any misrepresentation in applying for credit or if anything 
happens that indicates to us that you may be unable or unwilling to repay your loan. 

19.  COLLECTION  COSTS.  If  we  are  forced  to  take  collection  action  you  agree  to  pay  all  court  costs  and  collection  fees,  including  our  reasonable 
attorney’s fees and costs on appeal. If this account is assigned to an outside agency for collections, I/we agree to pay all attorneys’ fees, court cost, and 
a collection charge of 30%, which will be added to the outstanding balance of my account.  

20. YOUR BILLING RIGHTS. The following is important about your rights and responsibilities under the Fair Credit Billing Act.  

In  Case  Of  Errors  Or  Questions  About  Your  Transactions.  (Applies to all covered transactions) The Federal Truth in Lending Act requires prompt 
correction  of  billing mistakes. If  you  believe  that  your  card  or  your  PIN  has  been  lost  or  stolen  or that  a transaction involving  your  account  has  been 
made without your permission or if for any reason you wish to contact us about your account, call or write us as follows:  

Mountain America Credit Union  
P.O. Box 9001  
West Jordan, Utah 84084-9001  
Telephone: (801) 325-6228 or 1-800-748-4302 

a.    Do not write on the statement. Call or write us at the address or number given above as soon as you can if you think your statement or receipt 
is wrong or if you need more information about a transaction listed on your statement of receipt. We must hear from you no later then 60 days 
after the statement on which the problem or error first appeared was sent to you. On a separate sheet of paper write the following (you may 
telephone your inquiry but doing so will not preserve your rights under this law):  

1.   Your name and account number;  
2.   A description of the error and an explanation (to the extent you can explain) why you believe it is an error. If you need only more 
information, explain the item you are not sure about, and if you wish, ask for evidence of the charge such as a copy of the charge 
slip. Do not send your copy of a sales charge or other document unless you have a duplicate copy for your records;  

3.   To the extent possible, tell us the type, date and the amount of the suspected error;  
4.   Any other information (such as your address) which you think will help the Credit Union identify you or the reason for your complaint 

or inquiry.  

c.  We will tell you the result of our investigation within 10 Business Days after we hear from you and we  will correct any error promptly. If we 
need more time, however, we may take up to 45 calendar days to investigate your complaint or question. If we decide to do this, we will re-
credit your account within the 10 Business Days for the amount you think is in error, so that you will have the use of the money during the time 
it takes us to complete our investigation.  

d. 

If we determine that there was no error, we will send you a written explanation within 3 Business Days after we have finished our investigation. 
You may ask for copies of the documents that were used in our investigation. If we have re-credited your account during the investigation and 
determine that there was no error we will notify you of the date on which we will re-debit your account and amount debited. You should make 
certain your account contains sufficient funds to cover this debit but we will honor third party payable items or pre-authorize debits using the 
provisionally re-credited funds for five days time after we notify you.  

Your Rights And Our Responsibilities After We Received Your Written Notice. The Credit Union must acknowledge all letters pointing out possible 
errors  within  30  days  of  receipt,  unless  we  have  corrected  the  error  by  then. Within  90  days  after  receiving  your  letter,  the  Credit  Union  must  either 
correct  the  error  or  explain  why  the  Credit  Union  believes the statement  was correct.  Once the  Credit  Union  has  explained  the statement,  the  Credit 
Union has no further obligation to you even though you believe that there is an error, except as provided in paragraph below.  

After the Credit Union has been notified, neither the Credit Union nor any attorney nor a collection agency may send you collection letters or take other 
collection action with respect to the amount in dispute; but periodic statements may be sent to you and the disputed amount can be applied against your 
credit limit. You cannot be threatened with damage to your credit rating or sued for the amount in question, nor can the disputed amount be reported to a 
credit bureau or to other creditors as delinquent until the Credit Union has answered your inquiry. However, you remain obligated to pay the parts of your 
statement not in dispute.  

If it is determined that the Credit Union has made a mistake on your statement, you will not have to pay any finance charges on any disputed amount. If 
it turns out that the Credit Union has not made an error, you may have to pay finance charges on the amount in dispute, and you will have to make up 
any missed minimum or required payments on the disputed amount. Unless you have agreed that your statement was correct, the Credit Union must 
send you a written notification of what you owe; and if it is determined that the Credit Union did make a mistake in billing the disputed amount you must 
be given the time to pay which you normally are given to pay undisputed amounts before any more finance  charges  or late payment charges on the 
disputed amount can be charged to you.  

If the Credit Union’s explanation does not satisfy you and you notify the Credit Union in writing within 10 days after you receive the explanation that you 
still  refuse  to  pay  the  disputed  amount,  the  Credit  Union  may  report  you  to  credit  bureaus  and  other  creditors  and  may  pursue  regular  collection 
procedures. But  the  Credit  Union must  also  report that  you  think  you  do  not  owe  the money,  and the  Credit  Union must  let  you know  to  whom such 

Rev 01/2014. Federally insured by NCUA. 

Page 4 of 6

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
VISA PLATINUM DISCLOSURE

reports were made. Once the matter has been settled between you and the Credit Union, the Credit Union must notify those to whom the Credit Union 
reported you as delinquent of the subsequent resolution.  

21. CHANGES IN THE AGREEMENT. (Applies to all covered transactions) By your signature on your card or the signature of any authorized user, you 
agree that we may change, according to law, the terms of this Agreement. These changes will apply to your new purchases and advances and to your 
outstanding balance. These changes may include, but are not limited to, any change in finance  charge. We will mail notice of such change to you at 
your address shown on our records. 

We may make changes in this Agreement, but we will notify you of such changes. Unless you terminate your right to participate in any covered Program 
within 45 days after the date of our notice by writing us at the address given in this disclosure, you agree to abide by this Agreement as changed.  

22. ELECTRONIC FUND TRANSFER DISCLOSURE  

I.  PURPOSE  AND  SCOPE.  The basic rights, liabilities and responsibilities of the member and the Credit Union concerning any covered program are 
explained below. Covered programs and/or transaction include:  

a.  Transactions through an AUTOMATED TELLER MACHINE (hereinafter referred to as ATM)  

b.   Pre-authorized debit and/or credit transactions through and AUTOMATIC CLEARING HOUSE ASSOCIATION (hereinafter referred to as 

ACH)  

c.   Transactions  involving  the  TRANSFER  OF  FUNDS  from  one  account  to  another  account  which  are  (1)  initiated  by  a  TELEPHONE 
REQUEST from a member to the Credit Union, and (2) in which at least one of the accounts involved is NOT OWNED (either individually or 
jointly) by the member requesting the transfer.  

These disclosures are made in accordance with Electronic Fund Transfer Act of 1978 (“EFT ACT”) and other applicable laws and regulations.  

II. AVAILABILITY AND LIMITS ON USE.  

a.  ATM  Program:  In connection with your participation in the ATM Program, we have issued to you your own Personal Identification Number 
(“PIN”). Each time you wish to obtain funds from an automated teller machine (“TERMINAL”) under the Program, you must communicate your 
PIN to the TERMINAL after inserting your CARD. To ensure that no unauthorized charges are made to your Account(s) under the Program 
you  should  take  all  reasonable  precautions  to  prevent  any  other  person  from  learning  your  PIN  or  using  your  CARD.  NEVER  KEEP  ANY 
MATERIAL CONTAINING YOUR PIN ATTACHED TO OR NEAR YOUR CARD. 

You may use your Card and PIN to (1) Withdraw cash from your savings and checking account(s), (2) transfer funds between your savings 
and  checking  account(s),  (3)  receive  a  loan  advance  from  an  approved  account  and  (4)  make  deposits  and/or  loan  payments  to  approved 
account(s) and all other transactions as applicable.  

For security reasons, there are limits on the number and dollar amounts of deposits and withdrawals per business day which can be made 
under the ATM Program.  

b.  ACH Program and Telephone Transfer (upon your request): We may authorize debits (withdrawals) from or credits (deposits) to any of your 
Credit Union accounts or initiate a transfer of funds from your accounts. A maximum of six such transfers may be made from each savings or 
money  market  account  each  calendar  month.  The  dollar  amounts  of  debits  from  accounts  are  limited  only  by  your  available  balances  and 
available credit limits where applicable. A fee of up to $25.00 will be assessed for each individual Debit item presented that takes the account 
into a negative balance.  

III. DOCUMENTATION OF TRANSFERS.  

a.  ATM  Program:  For each ATM transaction, you may receive a descriptive receipt at the time of transaction. In addition, we will send you a 
monthly statement showing the status of your account, the covered EFT transactions made at Terminals, and any charges we have imposed. 
If there are no covered transactions in a particular month, we will send you a statement at least quarterly.  
In addition, if your account is scheduled to be credited by a pre-authorized electronic fund transfer from the same payor at least once every 60 
days and if the payor doesn’t provide notice to you that the transfer has been initiated you may call us at (801) 325-6228 to ascertain whether 
or not the transfer was received.  

IV. YOUR LIABILITY FOR UNAUTHORIZED TRANSACTIONS.  

a.  ATM Program: TELL US AT ONCE if you believe your card or your PIN has been lost or stolen or if your statement shows transactions you 
did not make. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account(s) plus your 
maximum line(s) of credit.  

b.  Debit  Card  Program  (effective  September  1,  2000):  Additional  Limits  on  Liability  for  debit  card,  when  used  for  point-of-sale  transactions. 
Unless  you  have  been  grossly  negligent  or  have  engaged  in  fraud  or  illegal  transactions,  you  will  not  be  liable  for  any  unauthorized 
transactions using your lost or stolen card, when used for point-of-sale transactions. Also, if your statement shows transfers that you did not 
make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may be liable for $50.00 plus any money 
you lost after the 60 days, if we can prove that we could have stopped someone from taking the money if you had told us in time.  If a good 
reason (such a long trip or a hospital stay) kept you from telling us, we will extend the time periods.  

Rev 01/2014. Federally insured by NCUA. 

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VISA PLATINUM DISCLOSURE

c.  ACH  Program: If your statement shows transactions that you did not make, tell us at once. If you tell us within 60 days after the statement 
was mailed to you, your maximum liability will be the actual amount of the transaction or $50.00 whichever is less. If you do not tell us within 
60 days after the statement was mailed to you, you may additionally be liable for any future unauthorized transactions that occur until such 
time as you notify us.  

If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.  

V. OUR LIABILITY FOR IMPROPER TRANSACTIONS OR PAYMENTS (applies to all covered transactions). If a covered transaction is not completed 
as you have directed or we do not properly complete a transfer to/from your Account(s) according to our agreement with you, we will be liable for your 
losses or damages. We will not be liable to you in the following instances:  

• If, through no fault of ours, your account does not contain enough money to complete the transaction; or 
• If the transaction would exceed the credit limit on your overdraft lien; or  
• If the Terminal where you are making the transaction does not have enough money; or  
• If a Terminal is not working properly and you know this at the time you started the transaction; or  
•  If,  due to circumstances  beyond  our control  (such  as  fire  or flood), the transaction  was  not completed  despite  reasonable  precautions  we 
may have taken.  

VI. STOP PAYMENTS. Stop Payments apply only to pre-authorized debit/credits through the ACH Program. You may initiate a stop payment of a pre-
authorized electronic transfer from your account by notifying us in writing at any time, up to 3 business days before the scheduled business day of the 
transfer. A fee of $18.00 per item will be assessed for each postdated written stop notice.  

To be valid, a stop payment order must be accurately submitted for the exact amount of the ACH request.  

VII. NOTICE OF TRANSFER VARYING IN  AMOUNTS. If pre-authorized transfers from your account vary in amount, the person you are going to pay 
will  tell  you,  10  days  before  each  payment,  when  it  will  be made  and  how much  it  will  be.  (You may  choose  instead to  get  this  notice  only  when  the 
payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.)  

VIII. BUSINESS DAY (applies to all covered transactions). For the purpose of this Agreement, our Business Days are Monday through Friday. Holidays 
are not included.  

IX.  DISCLOSURE  OF  ACCOUNT  INFORMATION  TO  THIRD  PARTIES.  (Applies  to  all covered  transactions) We  will  not  disclose  information  about 
your Account, or the transactions you make, except as follows:  

a. As necessary to complete transactions.  
b. To comply with government agencies or court orders.  
c. If you give us your written permission.  

X.  TERMINATION.  (Applies  to  all  covered  transactions)  We  may  add,  remove,  extend  or  limit  the  covered  services  provided  without  notifying  you 
beforehand. In addition, we may discontinue any covered Program or your right to participate in any covered Program, at any time, but if we do so, we 
will give you written notice of such revocation within 30 days after it occurs. You may terminate your participation in any covered Program but you must 
do so by writing to us at the address we have given you in this disclosure.  

Your participation in any covered transaction shall be terminated not later than one Business Day after we receive your written notification. Your right to 
participate in the ATM Program may also be canceled if your Card account is terminated for any reason. Your right to participate in the ACH Program will 
immediately  be  canceled  if  you  cancel  the  authorization  you  have  given  to  M.A.C.U.  to  directly  debit  or  credit  your  account  or  if  the  account  you 
authorize us to debit or credit is closed. 

Rev 01/2014. Federally insured by NCUA. 

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