Interest Rates and Interest Charges

VISA® PLATINUM AND VISA® SECURED PLATINUM 
APPLICATION AND SOLICITATION DISCLOSURE

Annual Percentage Rate
(APR) for Purchases

0.00% Introductory APR for a period of six (6) billing cycles. When the discounted period expires, the APR on existing 

balances will increase to the new non-discount rate on the first day of the billing cycle. 

Visa Platinum

After that, your APR will be 9.99% to 17.99%  based on your creditworthiness.

Visa Secured Platinum 

0.00% Introductory APR for a period of six (6) billing cycles. When the discounted period expires, the APR on existing 

balances will increase to the new non-discount rate on the first day of the billing cycle. 

After that, your APR will be 9.99% to 17.99% based on your creditworthiness.

APR for Cash Advances 

Visa Platinum

0.00% Introductory APR for a period of six (6) billing cycles. When the discounted period expires, the APR on existing 
balances will increase to the new non-discount rate on the first day of the billing cycle. 

After that, your APR will be 9.99% to 17.99% based on your creditworthiness.

Visa Secured Platinum

0.00% Introductory APR for a period of six (6) billing cycles. When the discounted period expires, the APR on existing 
balances will increase to the new non-discount rate on the first day of the billing cycle. 
After that, your APR will be 9.99% to 17.99% based on your creditworthiness.

APR for Balance Transfers 

Visa Platinum

0.00% Introductory APR for a period of six (6) billing cycles. When the discounted period expires, the APR on existing 
balances will increase to the new non-discount rate on the first day of the billing cycle.  
After that, your APR will be 9.99% to 17.99% based on your creditworthiness. 

0.00% Introductory APR for a period of six (6) billing cycles. When the discounted period expires, the APR on existing 
balances will increase to the new non-discount rate on the first day of the billing cycle. 
After that, your APR will be 9.99% to 17.99% based on your creditworthiness.

Visa Secured Platinum  

Penalty APR and When 
It Applies

17.99% 

This APR may be applied to your account if you:
1. Make a late payment two times in a six-month period.

Minimum Interest Charge

None

How long will the Penalty APR apply? If your APRs are increased for this reason, the Penalty APR will apply until you make six (6) 
consecutive minimum payments by the due date as shown in your monthly statement.  

Paying Interest

For Credit Card Tips from 
the Consumer Financial 
Protection Bureau

Fees

Annual Fee

Transaction Fees

• Balance Transfer

• Cash Advance

Your due date is at least 25 days after the close of each billing cycle. We do not charge you any interest on purchases if you pay 
your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the 
transaction date. 

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial 
Protection Bureau at http://www.consumerfinance.gov/learnmore. 

None

$2.00 or 2.00% of the amount of each balance transfer, whichever is greater

$2.00 or 2.00% of the amount of each cash advance, whichever is greater

• Foreign Transaction

1.00% of each transaction in U.S. dollars.

Penalty Fees

• Late Payment

• Returned Payment Fee

$25

$32

How We Will Calculate Your Balance. We use a method called “average daily balance.”

Loss of Introductory APR. We may end your Introductory APR if you make a late payment two times in a six-month period. With the loss of your introductory APR, your APR will 
be the Penalty APR of 17.99%, based on certain creditworthiness criteria. 

Application of Penalty APR. Your APR may be increased to the disclosed Penalty APR if you make a late payment two times in a six-month period.

Effective Date. The information about the costs of the card described in this disclosure are accurate as of June 1, 2017. This information may have changed after that date. To 
find out what may have changed, contact the Credit Union. 

VISA PLATINUM AND VISA SECURED PLATINUM
CONSUMER CREDIT CARD AGREEMENT

In  this Agre ement,  “Agreement”  means  this Co nsumer  Credit  Card Ag reement.  “Disclosure”  means  the Credit Card  
Account Opening Disclosure. The Account Opening Disclosure is incorporated into this Consumer Credit Card Agreement 
and  is  part  of  the Ag reement.  In thi s  Agreement  the  words  "you,"  “your,”  and  "yours"  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. 
You  agree  that your  credit  limit is th e  maximum  amount  (purchases,  cash  advances,  finance  charges,  plus  "other 
charges") which you will have outstanding on your account at any time. Unless disclosed otherwise, the Credit Union will 
not allow advances over the credit limit. You may request an increase in your credit limit only by a method acceptable to 
the  Credit  Union.  The  Credit  Union  may  increase  or  decrease  your credit  limit,  refuse  to  make  an advan ce  and/or 
terminate your account at any time for any reason not prohibited by law. If you are permitted to obtain cash advances on 
your  account,  we may, fr om  time to time, issu e  convenience  checks  to you that may  be  drawn  on  your accou nt. 
Convenience checks may not be use d to make a pa yment on your account balance. If you use a conve nience check, it 
will be posted to your account as a ca sh advance. We reserve the right to ref use to pay a conve nience check drawn on 
your account for any reason and such refusal shall not constitute wrongful dishonor. 
You may request that we  stop the payment of a co nvenience check drawn on your account. You agree to pay any fee 
imposed  to  stop  a payme nt  on a  convenience  check  issued  on  your  account.  You  may m ake  a  stop  payment  request 
orally,  if pe rmitted,  or in  writing.  Your  request  must  be ma de  with  sufficient  time  in a dvance  of th e  presentment  of the  
check for payment to give us a rea sonable opportunity to act on your requ est. In addition, yo ur request must accurately 
describe the check including the exact account number, the  payee, any check number that may be ap plicable, and the 
exact amount of the check. If permitted,  you may make a stop payment request orally  but such a request  will expire after 
14 days unless you confirm your req uest in writing within that time. Written stop pay ment orders are effective only for six 
(6) months and may be renewed for additional six month periods by requesting in writing that the stop payment order be 
renewed. We are not required to notify you when a stop payment order expires. If we re-credit your account after paying a 
check or draft over a valid  and timely st op payment order, you agree to sign a statement describing the dispute with the 
payee, to assign to us all of your rights against the payee or other holders of the check or draft and to assist us in any 
legal  action.  You  agree  to  indemnify  and  hold  us  harmless  from  all  costs  and  expenses,  including  attorney's  fees, 
damages, or claims, related to our honoring your stop payment request or in failing to stop payment of an item as a resul t 
of incorrect information provided to us or the giving of inadequate time to act upon a stop payment request.  
2.  USING YOUR CARD — You understand that the use of your credit ca rd will constitute acknowledgement of receipt 
and agreement to the terms of the Credit Card Agreement and Credit Card Account Opening Disclosure (Disclosure). You 
may  use yo ur  card to m ake  purchases  from  merchants  and  others  who  accept  your  card.  The  credit  union i s  not 
responsible  for the refusal   of any merchant or fina ncial  institution  to hono r  your  card.  If you wi sh  to p ay  for good s  or 
services over the Internet, you may be  required to provide ca rd number security information before you will be permitted 
to  complete  the  transaction.  In  addition,  you  may  obtain  cash  advances  from the   Credit  Union,  from  other  financial 
institutions that accept your card, and from some a utomated teller machines (ATMs). (Not all ATMs accept your card.) If 
the credit union authorizes ATM transactions with your card, it will issue y ou a personal identification number (PIN). To 
obtain cash advances from an ATM, you mu st use the 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. Even if you use your card 
for an illegal transaction, you will be responsible for all amounts and charges incurred in connection with the transaction. If 
you  are  permitted  to obtai n  cash a dvances  on  your  account,  you  may  also  use  your  card  to  purchase  instruments  and 
engage in transactions that we consider the equivalent of cash. Such transactions will be posted to your account as cash 
advances and include, but are not limited to, wire transfers, money orders, bets, lottery tickets, and casino gaming chips, 
as applicable. This paragraph shall not be interpreted as permitting or authorizing any transaction that is illegal. 
3.  PROMISE  TO  PAY  —  You  promise  to  pay  all  charges  (purchases,  cash  advances,  balance  transfers,  use  of 
convenience checks or any other charge) made to your account by you or anyone you authorize to use your account. You 
also promise 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 joi nt account, the paragraph on JOINT ACCOUNTS also 
applies to your account. 

©CUNA MUTUAL GROUP, 1991, 2006, 09, ALL RIGHTS RESERVED 

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4.  PERIODIC  RATES  —  The  periodic  rates  applicable  to p urchases,  cash  advances,  and  balance  transfers  are 
disclosed on the Disclosure that accompanies this Agreement. Any penalty rate that may be i mposed for failing to make a 
payment  by  the  payment  due  date  is  also di sclosed  on  the  Disclosure.  Any  rate  change  will  be  made  pursuant  to 
applicable law. If the rate for your account is variable, as indicated on the accompanying Disclosure, the rate charged on 
purchases,  cash adva nces,  balance  transfers  and  any  penalty ra te  will vary perio dically  as disclo sed  in  the Disclo sure 
accompanying this Agreement. The initial rate on your account for certain types of tran sactions may be an introductory 
discounted rate (Introductory Rate) that is lower than the rate that woul d ordinarily apply for that type of tr ansaction. If an 
Introductory Rate applies to your account, the rates  and the period of time it will be effective  is shown on the Disclosure 
accompanying this Agreement. After the Intr oductory Rate period expires, the periodic rate will automatically increase to 
the rates that would ordinarily apply for that type of transaction based on the terms of this Agreement.  
5.  FINANCE CHARGES — New purchases posted to your account during a billing cycle will not incur a finance  charge 
for  that billing cycl e.  Finance  charge  begins to accrue on 
those  purchases  from the first  day  of the next billing cy cle, 
re  new balance  on  the  previous  cycle’s  billing  statement  by  the  payment  due date  of  that 
unless  you paid the enti
statement. To avoid an a dditional finance charge on the balance of purchases, you must pay the entire new  balance on 
the  billing  statement  by the paym ent  due date of   that statem ent.  A finance charge begins  to  accrue on  cash  advances 
from the date you get the  cash advance or from the first day of t he billing cycle in which the cash  advance is posted to 
your account, whichever is later. 
The  finance  charge  is  calculated  separately  for p urchases  and  cash  advances.  For  purchases,  the  finance  charge  is 
computed by applying the periodic rate to the average daily  balance of purchases. To get the average daily balance of 
purchases, we take the  beginning outstanding balance of purchases each day and subtract any payments and/or credits 
that we apply to the purchase balance. (We do not add in any purchases posted during the billing cycle.) 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 applyi ng  the periodic rate  to the a verage daily balance  of cash 
advances.  To get the averag e  daily balan ce  of cash a dvances,  we take the begin ning  outstanding  balance  of ca sh 
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 ca sh  advances.  Then,  we  add  all  the  daily bal ances  of  cash 
advances for the billing cycle togeth er and divide the total by t he number of days in the billing cycl e. This gives u s the 
average daily balance of cash advances. Balance transfers are calculated in the same manner as cash advances. 
6.  FOREIGN TRANSACTIONS — Purchases and cash advances made in foreign currencies will be de bited 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 m ay  vary fro m  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 (finance charge), 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 Un ited States, with the  exception of U.S. military bases, U.S. te rritories, U.S. embassies or 
U.S. consulates. The Foreign Transaction Fee is set forth on the Disclosure accompanying this Agreement. 
7.  FEES — In addition to the periodic rate, the following additional fees may be imposed on your account. If applicable to 
your  account,  the fee am ounts  and  explanations  are  disclosed  on  the Di sclosure  accompanying  this Ag reement.  Your 
account may also be subject to additional fees as set forth on the Disclosure accompanying this Agreement. 
a.  Balance Transfer Fee. If your account  is subject to a Balance Transfer Fee, the fee will be charged to your account 
when you transfer a balance from an account of another creditor to the account subject to this Agreement. 
b.  Cash Advance Fee (Finance Charge). If your a ccount is subject to a  Cash Advance Fee (finance charge), the fee 
will  be ch arged  to your account wh en  you obtain a cash adv ance  from a n  ATM, the Credit Union o r  other financi al 
institution.  
c.  Foreign  Transaction  Fee  (Finance  Charge).  If  your accou nt  is  subject  to  a  Foreign  Transaction  Fee (finan ce 
charge), a fee may be charged to your account for transactions made outside of the United States or in a foreign currency.  
d.  Late Payment Fee. If your account is subject to a Late Payment F ee, the fee will be charged to your account when 
you do not make the required minimum payment by or within the number of days of the statement Payment Due Date set 
forth on the Disclosure accompanying this Agreement. 
e.  Returned  Payment  Fee.  If  your  account  is  subject  to  a  Returned  Payment  Fee,  the  fee  will  be  charged  to your 
account when a payment is returned to you for any reason. 
8.  PAYMENTS  —  Each mo nth  you must pay at least 
the  minimum  payment sh own  on  your  statement b y  the date 
specified  on  the  statement.  You may p ay  more freq uently,  pay  more  than th e  minimum p ayment  or pa y  the total n ew 
balance in full. If you make extra o r 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 3.0 0%  of  your total  new 

©CUNA MUTUAL GROUP, 1991, 2006, 09, ALL RIGHTS RESERVED 

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balance, or $18.00, 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. In addition  to the minimum payment, you must also pay, by the d ate specified 
above, the amount of any prior minimum payment(s) that you h ave not made, all outstanding unpaid fees and charges, 
and any amount you are over your credit limit. The Credit Un ion also has the right to demand immediate payment of any 
amount by which you are over your credit limit.  
9.  PAYMENT ALLOCATION — Subject to appli cable law, your p ayments may be applied to what you o we the Credit 
Union in any  manner the Credit Union chooses. However, in every case, in the event you  make a payment in excess of 
the  required  minimum  periodic  payment,  the Credit  Union  will  allocate  the  excess  amount  first to th e  balance  with  the 
highest annual percentage rate and any remaining portion to the other balances in descending order based on applicable 
annual percentage rate.  
10.  SECURITY  INTEREST  —  You gra nt  the Credit Uni on  a se curity  interest  under  the Unifo rm  Commercial  Code  and 
under  any co mmon  law  rights  the  Credit  Union m ay  have in  any  goods you  purchase.  If you give the Cre dit  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.  

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. These other shares may be withdrawn unless you are 
in default under this agreement. 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.  
11.  DEFAULT — You will be in default if you fail to make any mini mum payment or other requ ired 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 i n 
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. 
s  the  right to dem and  immediate  payment o f  your full accou nt  balance 
When  you are in default, the Credit Union ha
without  giving  you notice.   If immediat e  payment is deman ded,  you agree to c ontinue  paying  finance  charges  at th e 
periodic rate charged before default, until what you owe ha s been paid, and an y shares that were given  as security for 
your account may be applied towards what you owe. 
12.  LIABILITY  FOR  UNAUTHORIZED  USE-LOST/STOLEN  CARD  NOTIFICATION  —  You ag ree  to notify us 
immediately,  orally  or  in  writing,  at PO  Box  840129,  Houston,  TX  77284-0129  or telep hone  281-856-5300  or 8 00-456-
FCCU  seven  (7)  days  a  week,  24 hours  a  day,  of  the loss, theft, or unauthorized  use  of  your  credit card. You m ay  be 
liable for the  unauthorized use of your credit card. Yo u will not be liable for unauthorized use that occurs  after you notify 
us of the loss, theft, or po ssible unauthorized use. Y ou will have no liab ility 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 $50.00. 
13.  CHANGING OR TERMINATING YOUR ACCOUNT — As permitted by law, the Credit Union may change the terms 
of this Agreement and any attached Disclosure from time to ti me. Notice of any change will be given in  accordance with 
applicable  law.  If permitted by law an d  specified  in  the notic e  to you, the chang e  will a pply  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 te rmination by you or the  Credit Union will 
not affect your obligation to pay the acco unt balance plus any finance and other charges you owe under this Agreement. 
Your obligation to pay the account balance plus any finance and other charges you owe under this agreement are subject 
to  all appli cable  laws a nd  regulations  regarding  repayment  requirements.  You  are al so  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. If this is a j oint 
account, the paragraph on JOINT ACCOUNTS of this Agreement also applies to termination of the account.  
14.  CHANGING  OR  TERMINATING  AUTHORIZED  USERS  —  Upon  your  request,  we m ay  issue a dditional  cards  for 
authorized  users  that you   designate.  You  must  notify  us in   writing  of  any  termination  of  an  authorized  user's  right  to 
access  your  account.  Your letter mu st  include  the n ame  of  the a uthorized  user  and yo ur  account  number  and/or  any 
subaccount  number  issued  to the autho rized  user  along  with  the  authorized  user's  card  and  any co nvenience  or  other 
access checks issued to the authorized user. If you cannot return the authorized user's card or access checks and if you 
request your account to be closed, we will close your account and you may apply for a new account. 
15.  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 bu reaus and creditors who inquire about your credit standing. If your acco unt is eligible for emergency 
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©CUNA MUTUAL GROUP, 1991, 2006, 09, ALL RIGHTS RESERVED 

cash  and/or  emergency  card  replacement  services,  and yo u  request  such service s,  you  agree  that  we  may p rovide 
personal information about you and your account that is necessary to provide you with the requested service(s). 
16.  RETURNS  AND  ADJUSTMENTS  —  Merchants  and  others  who ho nor  your  card  may  give credit f or  returns  or 
adjustments, and they will do so by sen ding the Credit Union a credit slip  which will be p osted 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. 
17.  ADDITIONAL  BENEFITS/CARD  ENHANCEMENTS  —  The  Credit Uni on  may  from time   to time offe r  additional 
services to your a ccount, such as travel accident insurance, at no additional cost to you.  You understand that the Cre dit 
Union is not obligated to offer such services and may withdraw or change them at any time. 
18.  MERCHANT DISPUTES — The Credit Union is not responsible for the refusal of any merchant or financial institution 
to  honor  your card. The  Credit  Union i s  subject  to cl aims  and  defenses  (other  than  tort cl aims)  arising  out  of good s  or 
services you purchase with the card  if you have ma de a good faith attempt but  have been  unable to obtain sati sfaction 
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 $50.00 and was made in your state or within 
100 miles of your home. 
19.  JOINT ACCOUNTS — If this is a joint accou nt, each of you will be individuall y and jointly resp onsible for paying all 
amounts owed under this Agreement. This means that the Credit Union can require any one of you i ndividually 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. 
20.  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. 
21.  NO WAIVER — The Credit Union can delay enforcing any of its rights any number of times without losing them. 
22.  STATEMENTS AND NOTICES — Statements and notices will be mailed to you at the appropriate address you have 
given the Credit Union. Notice sent to any one of you will be considered notice to all.  
23.  SEVERABILITY  AND  FINAL  EXPRESSION  —  This Agree ment  and the Disclo sure  are t he  final expression of the 
terms and conditions of your account. This written Agreement and Disclosure may not be contradicted by evidence of any 
alleged oral agreement. Should any part of this A greement or the Disclosure be found to be invalid or unenforceable, all 
other  parts  of  this Ag reement  and  Disclosure  shall  remain  in  effect  and  fully enforcea ble  to the full est  extent p ossible 
under this Agreement. 
24.  COPY RECEIVED — You acknowledge that you have received a copy of this Agreement and Disclosure. 
25.  PENALTY RATE DISCLOSURES — If applicable to your account, all rates for your account, including the rates for 
purchases,  cash a dvances,  and bal ance  transfers,  will incr ease  to the  Penalty  Rate  shown  on  the  Disclosure 
accompanying  this Agre ement  when  you meet one   or more of   the co nditions  as set forth   in the Discl osure.  Any rate  
increases  applied  to  your  account  are  subject  to  applicable  notice  requirements.  Please  refer to   the  Disclosure  for 
additional information regarding the Penalty Rate. 
26.  VOLUNTARY PAYMENT PROTECTION — We may offer Voluntary Payment Protection to you. Voluntary Payment 
Protection is not nece ssary to obtain credit. If you purcha se Voluntary Payment Protection  from us, you authori ze us to 
add  the fe es  or  insurance  charges  monthly  to your loan b alance  and  charge  you  interest o n  the entire  balance.  At o ur 
option we will change your payment or the period of time necessary to repay the loan balance. The rate used to determine 
the  fees  or  insurance  charges  may  change  in  the  future. If  the  rate  changes,  we  will  provide  any  notices  required  by 
applicable law.  
27.  NOTICE TO UTAH BORROWERS — This written agreement is a final expression of the agreement between you and 
the Credit Union. This written agreement may not be contradicted by evidence of any oral agreement. 

28.  THE  FOLLOWING  IS  REQUIRED  BY  VERMONT  LAW  —  NOTICE  TO  CO-SIGNER  —  YOUR  SIGNATURE  ON 
THIS  NOTE  MEANS  THAT  YOU  ARE  EQUALLY  LIABLE  FOR  REPAYMENT  OF  THIS  LOAN.  IF  THE  BORROWER 
DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. 
29.  NOTICE TO ALABAMA BORROWERS — CAUTION: IT IS IMPORTANT THAT YOU THOROUGHLY READ THIS 
AGREEMENT BEFORE YOU SIGN IT. 

Your Billing Rights: Keep this Document for Future Use 
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 

What To Do If You Find A Mistake On Your Statement 
If you think there is an error on your statement, write to us at: 

First Community Credit Union of Houston 
PO Box 840129 
Houston, TX 77284-0129 
©CUNA MUTUAL GROUP, 1991, 2006, 09, ALL RIGHTS RESERVED 

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You may also contact us on the Web: FCCU.org 
In your letter, give us the following information: 

•  Account information: Your name and account number. 
•  Dollar amount: The dollar amount of the suspected error. 
•  Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why 

you believe it is a mistake. 

You must contact us: 

•  Within 60 days after the error appeared on your statement. 
•  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount 

you think is wrong. 

You must notify us of any potential e rrors in writing [or electronically]. You may call us, but  if you do we are not required 
to investigate any potential errors and you may have to pay the amount in question. 

What Will Happen After We Receive Your Letter 
When we receive your letter, we must do two things: 

1.  Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we 

have already corrected the error. 

2.  Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is 

correct.  

While we investigate whether or not there has been an error: 

•  We cannot try to collect the amount in question, or report you as delinquent on that amount. 
•  The charge in question may remain on your statement, and we may continue to charge you interest on that 

amount. 

•  While you do not have to pay the amount in question, you are responsible for the remainder of your balance. 
•  We can apply any unpaid amount against your credit limit.  

After we finish our investigation, one of two things will happen: 

• 

• 

If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to 
that amount. 
If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable 
interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may 
then report you as delinquent if you do not pay the amount we think you owe.  

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still 
refuse to pay. If you do so, we cannot report you a s delinquent without also reporting that you are questioning your bill. 
We must tell you the name of anyone to whom we re ported you as delinquent, and we must let those organizations know 
when the matter has been settled between us. 
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is 
correct. 

Your Rights if You Are Dissatisfied With Your Credit Card Purchases 
If  you are di ssatisfied  with  the goo ds  or  services th at  you  have  purchased  with  your  credit  card,  and  you  have tri ed  in 
good faith to correct the problem with the merchant, you may have the right not to pay the remainin g amount due on the 
purchase. 
To use this right, all of the following must be true: 

1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and 

the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was 
based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 
2.  You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with 

a check that accesses your credit card account do not qualify. 

3.  You must not yet have fully paid for the purchase. 

If all of the criteria a bove are met and you are still dissatisfied with the purchase, contact us in writing [or electronically] 
at: 

First Community Credit Union of Houston 
PO Box 840129 
Houston, TX 77284-0129 
FCCU.org 

©CUNA MUTUAL GROUP, 1991, 2006, 09, ALL RIGHTS RESERVED 

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While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, 
we  will tell you our decisi on.  At  that p oint,  if we think you owe  an  amount  and you do not pay, we may report you as 
delinquent. 

©CUNA MUTUAL GROUP, 1991, 2006, 09, ALL RIGHTS RESERVED 

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