3600 Brooks St. 
Missoula, MT  59801 
(406)523-3300 
www.missoulafcu.org 

VISA CLASSIC 
CONSUMER CREDIT CARD AGREEMENT 

In  this  Agreement,  “Agreement”  means  this  Consumer  Credit  Card  Agreement.  “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 Agreement. In this 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 the 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. If the Credit Union has a program whereby it allows payment of advances that exceed your credit limit, subject to a fee, 
the  Credit  Union  will  provide  you  with  notice,  either  orally,  in  writing,  or  electronically  (notwithstanding  the  requirements  of  the 
paragraph  entitled  “Statements  and  Notices”)  explaining  your  right  to  opt  in  to  the  Credit  Union’s  program  whereby  it  will  honor 
advance requests over the credit limit. In the event you opt in to such a program, you agree to the terms of such a program. 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 advance 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, from time to time, issue convenience checks to you 
that may be drawn on your account. Convenience checks may not be used to make a payment on your account balance. If you 
use  a  convenience  check,  it  will  be  posted  to  your  account  as  a  cash  advance.  We  reserve  the  right  to  refuse  to  pay  a 
convenience 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 convenience check drawn on your account. You agree to pay any fee imposed to 
stop a payment on a convenience check issued on your account. You may make a stop payment request orally, if permitted, or in 
writing.  Your  request  must  be  made  with  sufficient  time  in  advance  of  the  presentment  of  the  check  for  payment  to  give  us  a 
reasonable opportunity to  act on  your request. In addition,  your request must accurately  describe the check including the exact 
account number, the payee, any check number that may be applicable, 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 request in writing within 
that time. Written stop payment 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 stop 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 result 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 card or credit card account 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 your card to make purchases from merchants and others who accept your card. The credit union is not responsible 
for the refusal of any merchant or financial institution to honor your card. If you wish to pay for goods or services over the Internet, 
you  may  be  required  to  provide  card  number  security  information  before  you  will  be  permitted  to  complete  the  transaction.  In 
addition,  you may obtain cash advances from the Credit Union, from other financial institutions that accept  your card,  and from 
some automated teller machines (ATMs). (Not  all  ATMs accept  your card.) If the credit union authorizes ATM transactions  with 
your card, it will issue you a personal identification number (PIN). To obtain cash advances from an ATM, you must 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 obtain cash advances 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 joint account, the paragraph on JOINT ACCOUNTS also applies to your account. 

©CUNA MUTUAL GROUP, 1991, 2006, 09, 10, ALL RIGHTS RESERVED 

DMTCB0 (MXC500 CCM001)-e July 2010 

 
 
 
 
 
4. PERIODIC RATES — The periodic rates applicable to purchases, cash advances, and balance transfers are disclosed on the 
Disclosure that accompanies this Agreement. Any penalty rate that may be imposed for failing to make a payment by the payment 
due date is also disclosed 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 advances, balance transfers and 
any  penalty  rate  will  vary  periodically  as  disclosed  in  the  Disclosure  accompanying  this  Agreement.  The  initial  rate  on  your 
account for certain types of transactions may be an introductory discounted rate (Introductory Rate) that is lower than the rate that 
would ordinarily apply for that type of transaction. 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  Introductory  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 cycle  if  you had a  zero or credit balance at the beginning of that billing  cycle,  or  you paid the entire new balance  on  the 
previous cycle's billing statement by the payment due date of that statement; otherwise a finance charge will accrue from the date 
a purchase is posted to your account. To avoid an additional finance charge on the balance of purchases, you must pay the entire 
new  balance  on  the  billing  statement  by  the  payment  due  date  of  that  statement.  A  finance  charge  begins  to  accrue  on  cash 
advances from the date you get the cash advance or from the first day of the billing cycle in which the cash advance is posted to 
your account, whichever is later (transaction date). 
The finance charge is calculated separately for purchases and cash advances. For purchases, the finance charge is computed by 
applying the periodic rate to the average daily balance of purchases. To calculate the average daily balance of purchases, we take 
the  beginning  outstanding  balance  of  purchases  each  day,  add  any  new  purchases,  and  subtract  any  payments  and/or  credits. 
This gives us the daily balance of purchases. We then add all of the daily balances of purchases for the billing cycle together and 
divide the total by the number of days in the billing cycle. This gives us the average daily balance of purchases. 
For cash advances, the finance charge is computed by applying the periodic rate to the average daily balance of cash advances. 
To calculate the average daily balance of cash advances, we take the beginning outstanding balance of cash advances each day, 
add in any new cash advances, and subtract any payments and/or credits that we apply to the cash advance balance. This gives 
us the daily balance of cash advances. We then add all of the daily balances of cash advances for the billing cycle together and 
divide the total by the number of days in the billing cycle. This gives us the average daily balance of cash advances. 
6. FOREIGN TRANSACTIONS — Purchases and cash advances made in foreign currencies will be debited from your account in 
U.S.  dollars.  The  exchange  rate  between  the  transaction  currency  and  the  billing  currency  used  for  processing  international 
transactions  is  a  rate  selected  by  Visa  from  a  range  of  rates  available  in  wholesale  currency  markets for  the  applicable  central 
processing  date,  which  rate  may  vary  from  the  rate  Visa  itself  receives  or  the  government-mandated  rate  in  effect  for  the 
applicable central processing date. The exchange rate used on the processing date may differ from the rate that would have been 
used on the purchase date or cardholder statement posting date. 
A fee (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 United  States, with the exception of U.S. military bases, U.S.  territories, 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  amounts  and  explanations  are  disclosed  on  the  Disclosure  accompanying  this  Agreement.  Your  account  may 
also be subject to additional fees as set forth on the Disclosure accompanying this Agreement.  
a. Foreign Transaction Fee (Finance Charge). If your account is subject to a Foreign Transaction Fee (finance charge), a fee 
may be charged to your account for transactions made outside of the United States or in a foreign currency. 
b. Late Payment Fee. If your account is subject to a Late Payment Fee, 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. 
c. 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 for any reason. 
d. Statement Copy Fee. If your account is subject to a Statement Copy Fee, except as limited by applicable law and when the 
request is made in connection with a billing error made by the Credit Union, a fee may be charged to your account for each copy 
of a sales draft or statement that you request. 
e. Document Copy Fee. If your account is subject to a Document Copy Fee, except as limited by applicable law, a fee may be 
charged  to  your  account  for  each  copy  of  a  sales  draft  or  statement  that  you  request  (except  when  the  request  is  made  in 
connection with a billing error made by the Credit Union). 
f. Rush Fee. If your account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to your account 
for each rush card that you request, providing delivery of the card is also available by standard mail service, without paying a fee 
for delivery. 

DMTCB0 (MXC500 CCM001)-e July 2010 

8. PAYMENTS — Each month you must pay at least the minimum payment shown on your statement by the date specified on the 
statement. You may pay more frequently, pay more than the minimum payment or pay the total new balance in full. If you make 
extra or larger payments,  you are still required to make at least the minimum payment each  month your account has a balance 
(other than a credit balance). The minimum payment is 3.00% of your total new balance, or $25.00, whichever is greater, plus the 
amount of any prior minimum payments that you have not made, all outstanding unpaid fees and charges, and any amount you 
are  over  your  credit  limit  by  the  date  specified  on  the  statement.  The  Credit  Union  also  has  the  right  to  demand  immediate 
payment of any amount by which you are over your credit limit. 
9. PAYMENT ALLOCATION — Subject to applicable law, your payments may be applied to what you owe the Credit Union in any 
manner the Credit Union chooses. 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 the  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 grant the Credit Union a security interest under the Uniform Commercial Code and under any 
common law rights the Credit Union may have in any goods you purchase. If you give the Credit Union a specific pledge of shares 
by signing a separate pledge of shares, your pledged shares will secure your account. You may not withdraw amounts that have 
been specifically pledged to secure your account until the Credit Union agrees to release all or part of the pledged amount. 

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 minimum payment or other required payment by the date that it is 
due.  You  will  be  in  default  if  you  break  any  promise  you  make  under  this  Agreement.  You  will  be  in  default  if  you  die,  file  for 
bankruptcy or become insolvent, that is, unable to pay your obligations when they become due. You will be in default if you make 
any false or misleading statements in any credit application or credit update. You will also be in default if something happens that 
the Credit Union believes may substantially reduce your ability to repay what you owe. 
When you are in default, the Credit Union has the right to demand immediate payment of your full account balance without giving 
you notice. If immediate payment is demanded, you agree to continue paying finance charges at the periodic rate charged before 
default, until what you owe has been paid, and any shares that were given as security for your account may be applied towards 
what you owe. 
12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION — You agree to notify us immediately, orally 
or in writing, at 3600 Brooks St., Missoula, MT 59801 or telephone (406) 523-3300 Monday through Friday 8:00 a.m. to 6:00 p.m., 
Saturday  9:00  a.m.  to  1:00  p.m.  or  (800)  991-4965  Monday  through  Friday  6:00  p.m.  to  8:00  a.m.,  Saturday  1:00  p.m.  to  8:00 
a.m., Sunday 24 hours, of the loss, theft, or unauthorized use of your credit card. You may be liable for the unauthorized use of 
your  credit  card.  You  will  not  be  liable  for  unauthorized  use  that  occurs  after  you  notify  us  of  the  loss,  theft,  or  possible 
unauthorized  use.  You  will  have  no  liability  for  unauthorized  purchases  made  with  your  credit  card,  unless  you  are  grossly 
negligent in the handling of your card. In any case, your liability will not exceed $50.00. 
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 time. Notice of any change will be given in accordance with applicable law. If 
permitted  by  law  and  specified  in  the  notice  to  you,  the  change  will  apply  to  your  existing  account  balance  as  well  as  to  future 
transactions. 
Either you or the Credit Union may terminate this Agreement at any time, but termination by you or the Credit Union will not affect 
your obligation to pay the account balance plus any finance and other charges you owe under this Agreement. Your obligation to 
pay the account balance plus any finance and other charges you owe under this agreement are subject to all applicable laws and 
regulations  regarding  repayment  requirements.  You  are  also  responsible  for  all  transactions  made  to  your  account  after 
termination, unless the transactions were unauthorized. 
The card or cards you receive remain the property of the Credit Union and you must recover and surrender to the Credit Union all 
cards  upon  request  or  upon  termination  of  this  Agreement  whether  by  you  or  the  Credit  Union.  If  this  is  a  joint  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 may issue additional 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 must include the name of the authorized user and your account number and/or any subaccount number issued to the 
authorized user along with the authorized user's card and any convenience 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. 

DMTCB0 (MXC500 CCM001)-e July 2010 

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 
bureaus  and  creditors  who  inquire  about  your  credit  standing.  If  your  account  is  eligible  for  emergency  cash  and/or  emergency 
card replacement services, and  you request such services,  you  agree  that  we  may  provide personal  information about  you and 
your account that is necessary to provide you with the requested service(s). 
16. RETURNS AND ADJUSTMENTS — Merchants and others who honor your card may give credit for returns or adjustments, 
and they will do so by sending the Credit Union a credit slip which will be posted to your account. If your credits and payments 
exceed  what  you  owe  the  Credit  Union,  the  amount  will  be  applied  against  future  purchases  and  cash  advances.  If  the  credit 
balance amount is $1.00 or more, it will be refunded upon your written request or automatically after six (6) months. 
17.  ADDITIONAL  BENEFITS/CARD  ENHANCEMENTS  —  The  Credit  Union  may  from  time  to  time  offer  additional  services  to 
your account, such as travel accident insurance, at no additional cost to you. You understand that the Credit Union is not obligated 
to offer such services and may withdraw or change them at any time. 
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  is  subject  to  claims  and  defenses  (other  than  tort  claims)  arising  out  of  goods  or  services  you 
purchase with the card if you have made a good faith attempt but have been unable to obtain satisfaction from the merchant or 
service  provider,  and  (a)  your  purchase  was  made  in  response  to  an  advertisement  the  Credit  Union  sent  or  participated  in 
sending to you; or (b) your purchase cost more than $50.00 and was made in your state or within 100 miles of your home. 
19. JOINT ACCOUNTS — If this is a joint account, each of you will be individually and jointly responsible for paying all amounts 
owed under this Agreement. This means that the Credit Union can require any one of you individually to repay the entire amount 
owed under this Agreement. Each of you authorizes the other(s) to make purchases or cash advances individually. Any one of you 
may terminate the account and the termination will be effective as to all of you. 
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 Agreement and the Disclosure are the 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  Agreement  or  the  Disclosure  be  found  to  be  invalid  or  unenforceable,  all  other  parts  of  this 
Agreement and Disclosure shall remain in effect and fully enforceable to the fullest extent possible under this Agreement. 
24. COPY RECEIVED — You acknowledge that you have received a copy of this Agreement and Disclosure. 
25.  INTERNET  GAMBLING  TRANSACTIONS  PROHIBITED  —  You  may  not  use  your  card  to  initiate  any  type  of  electronic 
gambling transaction through the Internet. 
26.  PENALTY  RATE  DISCLOSURES  —  If  applicable  to  your  account,  all  rates  for  your  account,  including  the  rates  for 
purchases, cash advances, and balance transfers, will increase to the Penalty Rate when you meet one or more of the conditions 
as set forth in the Disclosure accompanying this Agreement. 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. 
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. 

DMTCB0 (MXC500 CCM001)-e July 2010 

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: 

Missoula Federal Credit Union 
3600 Brooks St 
Missoula, MT 59801 

You may also contact us on the Web: www.missoulafcu.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  errors  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 as delinquent without also reporting that you are questioning your bill. 
We must tell you the name of anyone to whom we reported 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 dissatisfied with the goods or services that you have 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 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 above are met and you are still dissatisfied with the purchase, contact us in writing [or electronically] at: 

Missoula Federal Credit Union 
3600 Brooks St. 
Missoula, MT 59801 
www.missoulafcu.org 

While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will 
tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 

DMTCB0 (MXC500 CCM001)-e July 2010