CONSUMER CREDIT CARD AGREEMENT

For questions, call the customer service number on your VISA statement.

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 whereb      equests 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 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.

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.

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 get 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. 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 applying the periodic rate to the average daily balance of cash advances. To get 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. Then, we add all 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.  Balance  transfers  are 
calculated in the same manner as 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 multiple currency foreign transactions, including purchases, cash advances and credits to your 
account. A fee (finance charge), calculated in U.S. dollars, will be imposed on all single currency 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.  Annual Fee. If your account is subject to an Annual Fee, the fee will be charged to your account upon the issuance of your card. Each year following, the annual 
fee will be charged to your account during the same month that you were first charged the fee. The fee will be charged each year until your account is closed and paid 
in full.

b.  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.

c.  Cash Advance Fee (Finance Charge). If your account is subject to a Cash Advance Fee (finance charge), the fee will be charged to your account when you obtain 
a cash advance from an ATM, the Credit Union or other financial institution. 

d.  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. 

e. Transaction Fee for Purchases. If your account is subject to a Transaction Fee for Purchases, a fee will be charged to your account for purchases as disclosed 
on the Disclosure accompanying this Agreement.

f.  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.

g.  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.

h.  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.

i.  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 tatement that you request (except when the request is made in connection with a billing error made by the Credit Union).

j.  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.

k. Card Replacement Fee. If your account is subject to a Card Replacement Fee, a fee will be charged for each replacement card that is issued to you for any reason.

l.  Returned Visa Convenience Check Fee. If your account is subject to the Returned Visa Convenience Check Fee, a fee will be charged to your account as 
disclosed on the Disclosure accompanying this Agreement.

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 2.00% of your total new balance, or $25.00, 
whichever is greater, plus the amount of any prior minimum payments that you have not made, and any amount you are over your credit limit. In addition to the 
minimum payment, you must also pay, by the date specified above, the amount of any prior minimum payment(s) that you have not made, all outstanding unpaid fees 
and charges, and any amount you are over your credit limit. 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. We may accept checks marked "payment in full" or with words of similar effect without losing any of our rights to collect the full balance of your account with us. 

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 P.O. Box 14864, 
Reading, PA 19612 or telephone us at (610) 927-4000 or (800) 288-6423 Monday, Tuesday, Thursday, Friday 8:00 a.m. to 5:00 p.m., and Wednesday 8:00 a.m. to 
3:30 p.m. or (800) 543-5073 after business hours and weekends, 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.

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.  GAMBLING TRANSACTIONS PROHIBITED — You may not use your card to initiate any type of gambling transaction.

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 shown on the Disclosure accompanying this Agreement when you meet one or more of the conditions as set forth in the 
Disclosure. 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.

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:

Utilities Employees Credit Union
PO Box 14864
Reading, PA 19612-4864

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:

Utilities Employees Credit Union
PO Box 14864
Reading, PA 19612-4864

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.

This Addendum is incorporated into and becomes part of your LOANLINER® Consumer Credit Card Agreement. 
Please keep this attached to your LOANLINER® Consumer Credit Card Agreement. 

VISA SHARE SECURED POWER CARD 
CREDIT CARD ACCOUNT OPENING DISCLOSURE 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Cash Advances 

APR for Balance Transfers 

Penalty APR and When it Applies 
Minimum Interest Charge 
Paying Interest 

For Credit Card Tips from the Federal 
Reserve Board 

Fees 
Annual Fee 

•  Annual Fee 
Transaction Fees 

•  Balance Transfer Fee 
•  Cash Advance Fee 
•  Foreign Transaction Fee 

•  Transaction Fee for Purchases 

Penalty Fees 

•  Late Payment Fee 
•  Returned Payment Fee 

3.25% 
This APR will vary with the market based on the Prime Rate. 
3.25% 
This APR will vary with the market based on the Prime Rate. 
3.25% 
This APR will vary with the market based on the Prime Rate. 
None 
None 
Your due date is 25 days after the close of each billing cycle. We do not 
charge you 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 Web site of the Federal Reserve Board at 
http://www.federalreserve.gov/creditcard. 

None 

None 
None 
1.00% of each multiple currency transaction in U.S. dollars 
0.80% of each single currency transaction in U.S. dollars 
None 

$20.00 
$20.00 

How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).” See 
your account Agreement for more details. 

Billing  Rights.  Information  on  your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in  your 
account Agreement.  

OTHER DISCLOSURES 

Late Payment Fee 
Statement Copy Fee 
Document Copy Fee 
Rush Fee 
Card Replacement Fee 
Returned Visa Convenience Check Fee 

$20.00 if you are ten (10) or more days late 
$5.00 
$12.00 
$30.00 
$5.00 
$25.00 

Collection  Costs.  You  agree  to  pay  all  costs  of  collecting  the  amount  you  owe  under  this  Agreement,  including  court 
costs and reasonable attorney's fees.  

©CUNA MUTUAL GROUP, 2009, ALL RIGHTS RESERVED 

DPAJJ0 (MXC450 CCM000)-e 

SEE BACK OF PAGE for more important information about your account. 

 
 
 
 
 
 
 
 
 
Periodic Rates. 

The Purchase APR is 3.25% which is a monthly periodic rate of 0.2708%. 
The Cash Advance APR is 3.25% which is a monthly periodic rate of 0.2708%. 
The Balance Transfer APR is 3.25% which is a monthly periodic rate of 0.2708%. 

Variable Rate. 

The ANNUAL PERCENTAGE RATE is subject to change on the first day of the billing cycle ending in January, April, July 
and  October  to  reflect  any  change  in  the  Index  and  will  be  determined  by  the  Prime  Rate  on  the  first  business  day  of 
March, June, September and December as published in The Wall Street Journal "Money Rates" table to which we add a 
margin.  The  ANNUAL  PERCENTAGE  RATE  will  never  be  greater  than  18.00%.  Any  increase  in  the  ANNUAL 
PERCENTAGE RATE will take the form of additional payments shown as Total Minimum Payments on the statement. If 
the Index is no longer available, the Credit Union will choose a new index which is based upon comparable information. 

Margin. 

Purchases will be charged at 0.00% above the Index. 
Cash advances will be charged at 0.00% above the Index. 
Balance transfers will be charged at 0.00% above the Index. 

DPAJJ0 (MXC450)-e