Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

PASSPORT PLATINUM/ 
PASSPORT SECURED PLATINUM/ 
CASH BACK PLATINUM/SHARKS PLATINUM 

APPLICATION AND SOLICITATION DISCLOSURE 

Passport Platinum 
10.65% to 23.65%  when you open your account, based on
your creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Passport Secured Platinum 
12.25% 
This APR will vary with the market based on the Prime Rate. 

Cash Back Platinum 
10.65% to 23.65%  when you open your account, based on
your creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Sharks Platinum 
10.65% to 23.65%  when you open your account, based on
your creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
Passport Platinum 
10.65% to 23.65% when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Passport Secured Platinum 
12.25% 
This APR will vary with the market based on the Prime Rate. 

Cash Back Platinum 
10.65% to 23.65% when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Sharks Platinum 
10.65% to 23.65% when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
Passport Platinum 
10.65% to 23.65% when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Passport Secured Platinum 
12.25% 
This APR will vary with the market based on the Prime Rate. 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

DCALD5 (MXC453 CCM003)-e 

SEE NEXT PAGE for more important information about your account. 

Cash Back Platinum 
10.65% to 23.65% when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Sharks Platinum 
10.65% to 23.65% when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

Minimum Interest Charge 
For Credit Card Tips from the Consumer 
Financial Protection Bureau 

We will not charge you any interest on purchases if you pay your entire 
balance by the due date each month. 
None 
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. 

Fees 
Set-up and Maintenance Fees 
- Annual Fee
- Additional Card Fee
- Application Fee
Transaction Fees 
- Balance Transfer Fee

- Cash Advance Fee

- Foreign Transaction Fee

Penalty Fees 
- Late Payment Fee
- Over-the-Credit Limit Fee
- Returned Payment Fee

None 
None 
None 

$10.00  or 3.00%  of the amount of each balance transfer, whichever 
is greater 
$10.00  or 3.00%  of the amount of each cash advance, whichever is 
greater 
1.00%   of each multiple currency transaction in U.S. dollars 
0.80%   of each single currency transaction in U.S. dollars 

Up to $10.00 
None 
Up to $20.00 

How We Will Calculate Your Balance: We use a method called “average daily balance (excluding new purchases).” 

Effective Date: 
The information about the costs of the card described in this application is accurate as of March 20, 2017. 
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

OTHER DISCLOSURES 

Late Payment Fee 

Returned Payment Fee 

Statement Copy Fee 
Emergency Card Replacement Fee 
Card Replacement Fee 
Pay-by-Phone Fee 
Stop Payment Fee 

$10.00 or the amount of the required minimum payment, whichever is 
less, if you are ten or more days late in making a payment. 
$20.00 or the amount of the required minimum payment, whichever is 
less. 
$3.00 
$25.00 
$5.00 
$5.00 
$26.00 

(Checks, ACH, Loan Drafts) 

Passport Secured Platinum Card: Credit extended under this credit card account is secured by various personal 
property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares 
you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in 
any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in 
any  other  account  that  would  lose  special  tax  treatment  under  state  or  federal  law,  and  (d)  collateral  securing 
other loans you have with the Credit Union excluding dwellings. 

DCALD5 (MXC453 CCM003)-e 

PASSPORT PLATINUM
PASSPORT SECURED PLATINUM
CASH BACK PLATINUM
SHARKS PLATINUM
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 
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

©CUNA Mutual Group 1991, 2006, 09, 10, 12, 14 All Rights Reserved 

DCALF4 (MXC503 CCM004)-e

account as cash advances and include, but are not limited to, wire transfers and money orders. 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.  Finance  charge  begins  to  accrue  on  those  purchases  from  the  first  day  of  the  next  billing  cycle,
unless  you  paid  the  entire  new  balance  on  the  previous  cycle’s  billing  statement  by  the  payment  due  date  of  that
statement. 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  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. 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. 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. The fee may be
charged each year until your account is closed and/or paid in full.
b. Additional Card Fee. If your account is subject to an Additional Card Fee, a fee will be charged for each additional
card issued to you at account opening.
c. Application Fee. If your account is subject to an Application Fee, a fee will be charged when you apply for a credit
card account.

DCALF4 (MXC503 CCM004)-e

d. Balance Transfer Fee (Finance Charge). If your account is subject to a Balance Transfer Fee (finance charge), the
fee  as  disclosed  on  the  Disclosure  accompanying  this  Agreement  will  be  charged  to  your  account  when  you  transfer  a
balance from an account of another creditor to the account subject to this Agreement.
e. 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.
f. 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.
g. 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.
h. Over-the-Credit Limit Fee. If you have elected the feature to allow your account to go over your credit limit, we may
charge you a fee as allowed by law. However, in no case will we impose an over-the-limit fee except in the next two billing
cycles unless you have obtained an additional extension of credit in excess of such credit limit during each subsequent
cycle or you have reduced the balance below the credit limit as of the end of each bill cycle.
i. 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.
j. 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.
k. Emergency Card Replacement Fee. If your account is subject to an Emergency Card Replacement Fee, a fee will
be charged to your account for each emergency replacement card that is issued to you.
l. 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.
m. Pay-by-Phone Fee. If your account is subject to the Pay-by-Phone Fee, a fee will be charged for each time you make
a payment by telephone as disclosed on the Disclosure accompanying this Agreement.
n. Stop  Payment  Fee.  If  your  account  is  subject  to  the  Stop  Payment  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,  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. In accordance with applicable law, the Credit Union may not post payments to your account or reflect them in
your available credit limit on the date they are received.  The Credit Union may delay replenishing your credit limit until the
date the payment is posted or the Credit Union confirms the payment has cleared.
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 —
Passport Platinum, Cash Back Platinum and Sharks Platinum. 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. 
The remainder of this section applies to Passport Secured Platinum. 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. 

DCALF4 (MXC503 CCM004)-e

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  5890  Silver  Creek  Valley  Rd.,  San  Jose,  CA  95138  or  telephone  (800)  564-1588
Monday through Friday 8:00 a.m. to 6:00 p.m. Pacific Time, (800) 682-6075 seven (7) days a week, 24 hours a day or
(206) 352-3477 (Outside the U.S.) seven (7) days a week, 24 hours a day, 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
transactions 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 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.

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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  or  delivered  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 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. VOLUNTARY PAYMENT PROTECTION — We may offer Voluntary Payment Protection to you. Voluntary Payment
Protection is not necessary to obtain credit. If you purchase Voluntary Payment Protection from us, you authorize us to
add  the  fees  or  insurance  charges  monthly  to  your  loan  balance  and  charge  you  interest  on  the  entire  balance.  At  our
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.
28. 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.
29. 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.

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 the address listed on your statement. 
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. 

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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 
the address listed on your statement. 
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. 
NOTICE  OF  NEGATIVE  INFORMATION  —  Federal  law  requires  us  to  provide  the  following  notice  to  members  before 
any  “negative  information”  may  be  furnished  to  a  nationwide  consumer  reporting  agency.  We  may  report  information 
about  your  account  to  credit  bureaus.  Late  payments,  missed  payments,  or  other  defaults  on  your  account  may  be 
reflected in your credit report. 

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