P.O. Box 261420 
9305 West Alameda Avenue 
Lakewood, Colorado 80226-9420 

Interest Rate and Interest Charges

Annual Percentage Rate
(APR) for Purchases

CREDIT LINE ACCOUNT  
AGREEMENT AND DISCLOSURE 

THIS  IS  YOUR  CREDIT  LINE  ACCOUNT  AGREEMENT  AND  IT  INCLUDES  NECESSARY  FEDERAL  TRUTH-IN-
LENDING  DISCLOSURE  STATEMENTS,  MASTERCARD  SECURED  AND  MASTERCARD  PLATINUM 
AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR MASTERCARD SECURED 
AND MASTERCARD PLATINUM CREDIT CARDS, AND/OR ANY OTHER ACCOUNT ACCESS DEVICE. PLEASE BE 
CERTAIN TO READ THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR. 

MasterCard Secured - _______%

This APR will vary with the market based on the Prime Rate.

MasterCard Platinum - _______%

This APR will vary with the market based on the Prime Rate.

APR For Balance Transfers

MasterCard Secured - __________% introductory APR for one-year

After that, Your APR will be __________%. This APR will vary with the market based 
on the Prime Rate.

MasterCard Platinum - __________% introductory APR for one-year

After that, Your APR will be __________%. This APR will vary with the market based 
on the Prime Rate.

APR For Cash Advances

MasterCard Secured - __________% 

This APR will vary with the market based on the Prime Rate.

MasterCard Platinum - __________% 

This APR will vary with the market based on the Prime Rate.

Overdraft Line of Credit - __________%

Paying Interest

For MasterCard, Your due date is at least 21 days after the close of each billing cycle. 
We will not charge You any interest on purchases if You pay Your entire balance owed 
by  the  due  date  each  month.  We  will  begin  charging  interest  on  cash  advances  and 
balance transfers on the transaction date.

For all other Feature Categories, You will be charged interest from the transaction date.

For Credit Card Tips from 
the Consumer Financial 
Protection Bureau

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 

Transaction Fees



Foreign Transaction

For MasterCard, 1.00% of each transaction in U.S. dollars.

Penalty Fees

 Returned Payment
Late Payment


For MasterCard, up to $9.00
For MasterCard, up to $15.00
Except MasterCard, $15.00

How  We  Will  Calculate  Your  Balance:  For  MasterCard,  We  use  a  method  called  "average  daily  balance  (including  new 
purchases)." For all other Feature Categories, We use a method called "daily balance." In all cases see Your Agreement for details. 

Billing  Rights:  Information  on  Your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in  Your 
Account Agreement. 

In this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean CREDIT UNION OF DENVER. The words "You" and "Your" mean each person accepting this 
Agreement. If this is a joint Account, read singular pronouns in the plural. The words "Card" and "Credit Card" mean any MasterCard Secured or MasterCard Platinum Credit 
Card issued to You by Us and any duplicates or renewals. 

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You, as the Borrower, under a Credit Line Account ("Account"), understand that the following Federal Disclosure Statement and the terms and conditions found herein constitute 
Our Agreement with You. You may request advances on Your Account through a variety of means which could include (but may not be limited to) telephonic requests, advance 
request forms, vouchers, checks, charge slips, Check Cards, Credit Cards, wire transfers, direct transfers and/or wire transfers to specific payees identified by You, direct 
transfers to Your Share/Share Draft or other Credit Union account and the like. Regardless of the means by which any advance is made, You promise to pay Us all amounts 
charged to Your Account by You or by any user who has access to Your Account, with actual, apparent or implied authority for use of Your Account, including Finance Charges 
and other fees or charges described herein. 

FEATURE CATEGORIES. Your Account has Feature Categories which may include Overdraft Line of Credit, MasterCard Secured and MasterCard Platinum. 

Feature Category

Variable Rate

Index

Margin

Monthly
Periodic
Rate

Daily
Periodic
Rate

ANNUAL
PERCENTAGE
RATE

Overdraft Line of Credit 

____________% 

____________% 

MasterCard Secured 

____________ 

____________ 

____________% 

MasterCard Platinum 

____________ 

____________ 

____________% 

____________% 

____________% 

ADVANCES.  Whenever  You  request  a  transaction,  We  may  require  You  to  prove 
Your identity. Advances made on Your Account will be processed according to the 
instructions You give Us (such as by wire transfer, direct transfer to Your Credit Union 
account or by other such means) and You authorize Us to do this, or We may draw a 
draft or check made payable to You and mail it to You. When the amount advanced 
appears on a subsequent statement, that will be conclusive evidence of Your advance 
request unless You notify Us that You disagree with any such item appearing on Your 
periodic  statement  according  to  the  provision  of  this  Agreement  titled  "Your  Billing 
Rights: Keep this Document for Future Use". You understand that whether or not any 
specific  secured  advance  request  is  approved  may  be  determined  by  how  much 
equity You have or will have in the shares and/or certificates offered as security.  

SECURITY. As permitted by law, to secure all transactions under this Agreement in 
either  joint  or  individual  Accounts,  We  have  the  right  to  impress  and  enforce  a 
statutory  lien  against  Your  shares  on  deposit  with  Us  (other  than  those  deposits 
established  under  a  governmental  approved  tax  deferral  plan  such  as  an  IRA  or 
Keogh  account),  and  any  dividends  due  or  to  become  due  to  You  from  Us  to  the 
extent that You owe on any unpaid balance on Your Account and We may enforce 
Our right to do so without further notice to You. Additionally, You agree that We may 
set-off any mutual indebtedness. 

You acknowledge that You own any certificates, shares and/or Collateral pledged as 
security and that there are no other liens against them other than Ours. You agree to 
perform all acts which are necessary to make Our security interest in the certificates, 
shares and/or Collateral being pledged enforceable. 

For  advances  under  any  Feature  Category  that  is  secured  by  certificates,  all 
certificates which are pledged as Collateral must be renewed until Your outstanding 
balance  is  paid  in  full.  Failure  to  renew  any  certificates  securing  any  advance  will 
cause Your entire outstanding balance to become immediately due and payable. 

OTHER SECURITY. Collateral (other than household goods or any dwelling) given 
as security  under this Agreement  or  for  any  other  loan  You may  have with  Us  will 
secure all amounts You owe Us now and in the future if that status is reflected in the 
"Truth-in-Lending Disclosure" in any particular Agreement evidencing such debt. 

CONSENSUAL  LIEN  ON  SHARES.  If You  have  been  issued  a  debit Card  or 
Credit Card, You grant and consent to a lien on Your shares with Us (except 
for IRA and Keogh accounts) and any dividends due or to become due to You 
from  Us  to  the  extent  You  owe  on  any  unpaid  Credit  Card  balance  and/or 
Overdraft Line of Credit balance created through the use of Your debit Card. 

ACCOUNT RESTRICTIONS. In order to receive and maintain a MasterCard Secured 
Feature Category, You agree to give Us a specific pledge of shares which will equal 
Your Credit Limit. In the event that You default on Your MasterCard Secured Feature 
Category, We may apply these shares toward the repayment of any amount owed on 
such Feature Category. You may cancel Your MasterCard Secured Feature Category 
at any time by paying any amounts owed on that Feature Category. To be certain that 
Your  entire  balance  and  all  advances  are  paid,  any  shares  pledged  may  not  be 
available to You for 30 days after You have cancelled and any outstanding balance 
is paid in full. 

LINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for each 
Feature Category for which You are approved. Unless You are in default, any Credit 
Limits established for You will generally be self-replenishing as You make payments. 

You will keep Your unpaid balance within Your Credit Limit set by Us, and You will 
pay any amount over Your Credit Limit on Our demand whether or not We authorize 
the  advances  which  caused  You to exceed  Your  Credit Limit.  Even  if Your unpaid 
balance is less than Your Credit Limit, You will have no credit available during any 
time that any aspect of Your Account is in default. 

JOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for the 
repayment of any amounts owed. If any Account access device, such as a Personal 
Identification  Number  (PIN)  is  requested  and  approved,  You  understand  that  any 
such  Account  access  device(s)  will  be  mailed  only  to  the  primary  Borrower  at  the 
address that We have on file for You. We may refuse to follow any instructions which 
run counter to this provision. 

MINIMUM  MONTHLY  PAYMENTS  (PAYMENT  SCHEDULE).  Though  You  need 
only pay the Minimum Monthly Payments, You understand that You have the right 
to  repay  at  any  time  without  penalty.  You  also  understand  that  You  will  only  be 
charged periodic Finance Charges to the date You repay Your entire balance. You 
may  make  larger  payments  without  penalty.  Any  partial  payment  or  prepayment 
will not delay Your next scheduled payment. All payments to Us must be in lawful 
money  of  the  United  States. We  may  apply  each  payment  to  whichever  Feature 
Category We wish. For all Feature Categories (except MasterCard), payments will 
be applied first to any Late Charges owing, then to the Finance Charge due, then 
to  the  outstanding  principal  balance.  Except  as  required  by  law,  We  may  apply 
MasterCard payments in an order of Our choosing. 

Any unpaid portion of the Finance Charge will be paid by subsequent payments and 
will  not  be  added  to  Your  principal  balance.  You  understand  that  any  delay  in  the 
repayment of Your unpaid balance will increase Your periodic Finance Charges and 
any acceleration in the repayment of Your unpaid balance will decrease Your periodic 
Finance Charges. 

Overdraft  Line  of  Credit  Minimum  Monthly  Payments  will  be  an  amount  equal  to 
5.00% of Your Credit Limit, subject to the lesser of $25.00 or Your balance. 

MasterCard  Secured,  and  MasterCard  Platinum  Minimum  Payments  will  be  an 
amount  equal  to  2.00%  of  Your  new  unpaid  MasterCard  Secured,  or  MasterCard 
Platinum balance at the end of each billing cycle, subject to the lesser of $15.00 or 
Your balance, plus any portion of the Minimum Payments shown on prior statement(s) 
which remains unpaid, plus any amount that exceeds Your approved Credit Limit. 

You may, by separate agreement, authorize Us to charge Your payment directly to 
Your share or share draft account. 

LATE CHARGE (EXCEPT MASTERCARD). If Your payment is more than 10 days 
past due, You will be charged $15.00. 

FINANCE  CHARGES  (EXCEPT  MASTERCARD).  A  Finance  Charge  will  be 
assessed on any unpaid principal balance for each Feature Category of Your Account 
for the period such balance is outstanding. Balances change each time advances are 
made, payments are made or credits given under any Feature Category. The Finance 
Charge begins to accrue on the date of each advance and there is no grace period. 

HOW TO DETERMINE THE  FINANCE  CHARGE  (EXCEPT MASTERCARD).  For all 
Feature  Categories  (except  MasterCard),  the  Finance  Charge  is  determined  by 
multiplying  Your  unpaid  balance  at  the  close  of  each  day  in  the  billing  cycle  being 
accounted for by the applicable Daily Periodic Rate. The unpaid balance is the balance 
each day after payments, credits, and unpaid Finance Charges to that balance have been 
subtracted  and  any  new  advances,  insurance  premiums  or  other  charges  have  been 
added to Your unpaid balance. These daily Finance Charges are then added together 
and the sum is the amount of the Finance Charge owed for the Feature Category being 
accounted for. The total Finance Charge You owe on Your Account for each billing cycle 
is the sum of all the Finance Charges due for all applicable Feature Categories. 

MASTERCARD FINANCE CHARGES. In the case of any transactions under Your 
MasterCard  Secured  and  MasterCard  Platinum  Feature  Categories,  the  balances 
subject to the periodic Finance Charge are the average daily transactions balances  
outstanding during the month (including new transactions). To get the average daily 

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balance, We  take  the  beginning  balance  of  Your  Account  each  day,  add  any  new 
insurance  premiums,  debit 
purchases,  cash  advances,  balance 
adjustments or other charges and subtract any payments, credits and unpaid Finance 
Charges. This gives Us the daily balance. Then, We add up all the daily balances for 
the  billing  cycle  and  divide  them  by  the  number  of  days  in  the  billing  cycle.  The 
Finance  Charge  for  a  billing  cycle  is  computed  by  multiplying  the  average  daily 
balance subject to a Finance Charge by the Monthly Periodic Rate. 

transfers, 

Your due date is at least 21 days after the close of each billing cycle. You can avoid 
Finance Charges on purchases by paying the entire balance owed by the due date 
each month. Otherwise, the new balance of purchases, and subsequent purchases 
from the date they are posted to Your Account, will be subject to a Finance Charge. 
Cash advances and balance transfers are always subject to a Finance Charge from 
the later of the date they are posted to Your Account or from the first day of the billing 
cycle in which such transaction is posted to Your Account. 

For MasterCard Secured balance transfer transactions that occur during the period 
of _______________ through _______________, each such transaction will accrue 
finance  charges  at  an  introductory  Monthly  Periodic  Rate  of  __________% 
(corresponding to an ANNUAL PERCENTAGE RATE of ____________%) for one-
year from the date of each such advance. Upon the expiration of each introductory rate 
period for balance transfers said balance for balance transfers existing at that time and 
in  the  future  will  accrue  finance  charges  at  the  non-introductory  variable  rate  as 
described  in  this  Agreement.  Balance  transfer  transactions  that  occur  after 
_____________________  will  be  subject  to  the  non-introductory  variable  rate 
described elsewhere in this Agreement. 

For MasterCard Platinum balance transfer transactions that occur during the period 
of _______________ through _______________, each such transaction will accrue 
finance  charges  at  an  introductory  Monthly  Periodic  Rate  of  __________% 
(corresponding to an ANNUAL PERCENTAGE RATE of ____________%) for one-
year from the date of each such advance. Upon the expiration of each introductory rate 
period for balance transfers said balance for balance transfers existing at that time and 
in  the  future  will  accrue  finance  charges  at  the  non-introductory  variable  rate  as 
described  in  this  Agreement.  Balance  transfer  transactions  that  occur  after 
_____________________  will  be  subject  to  the  non-introductory  variable  rate 
described elsewhere in this Agreement. 

MASTERCARD VARIABLE RATE. MasterCard advances are subject to a Variable 
Rate  which  is  based  on  the  highest  Prime  Rate  as  published  in  the  Money  Rates 
Section of The Wall Street Journal in effect on the last day of May and November of 
each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest 
Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of 
the  billing  cycle  in  January  and  July  of  each  year.  Increases  or  decreases  in  the 
Interest Rate will cause like increases or decreases in the Finance Charge and will 
affect the number of Your regularly scheduled payments. Your Interest Rate will never 
be greater than 20.99% and will apply to Your remaining principal balance. 

OVERDRAFT PROTECTION. We may transfer funds in multiples of $100.00 (or in 
such increments as We may from time to time determine) to Your share draft account 
by  an  advance  on  Your  Overdraft  Line  of  Credit  Feature  Category,  subject  to  this 
provision, to clear any Overdraft on Your share draft account. Whether or not such 
transfers  occur  will  be  controlled  by  this  Agreement.  In  any  event,  You  hold  Us 
harmless for any and all liability which might otherwise arise if the transfer does not 
occur. Overdraft protection automatically ceases if this Agreement is ever cancelled 
or terminated or Your Account is in default. 

PERIODIC STATEMENTS. On a regular basis, You will receive a statement showing 
all  transactions  on Your Account including amounts  paid and borrowed since  Your 
last statement. We will mail You a statement each month in which there is a debit or 
credit  balance  or  when  a  Finance  Charge  is  imposed.  We  need  not  send  You  a 
statement  if We  feel  Your  Account  is  uncollectible  or  if We  have  started  collection 
proceedings against You because You defaulted. EACH STATEMENT IS DEEMED 
TO  BE  A  CORRECT  STATEMENT  OF  ACCOUNT  UNLESS  YOU  ESTABLISH  A 
BILLING ERROR PURSUANT TO THE FEDERAL TRUTH-IN-LENDING ACT.  

DEFAULT. You will be in default if: (a) You do not make any payment or perform any 
obligation under this Agreement, or any other agreement that You may have with Us; or 
(b)  You  should  die,  become  involved  in  any  insolvency,  receivership  or  custodial 
proceeding  brought  by  or  against  You;  or  (c)  You  have  made  a  false  or  misleading 
statement in Your credit application and/or in Your representations to Us while You owe 
money on Your Account; or (d) A judgment or tax lien should be filed against You or any 
attachment  or  garnishment  should  be  issued  against  any  of  Your  property  or  rights, 
specifically including anyone starting an action or proceeding to seize any of Your funds 
on deposit with Us; and/or (e) We should, in good faith, believe Your ability to repay Your 
indebtedness hereunder is or soon will be impaired, time being of the very essence. 

Upon any occurrence of default, We may, to the extent permitted by law, cancel Your 
rights under this Agreement, require the return of all access devices and declare the 
entire  balance  of  every  Feature  Category  of  Your  Account  immediately  due  and 
payable, without prior notice or demand. 

COLLECTION COSTS. In the event collection efforts are required to obtain payment 
on  this  Account,  to  the  extent  permitted  by  law,  You  agree  to  pay  all  court  costs, 
private  process  server  fees,  investigation  fees  or  other  costs  incurred  in  collection 
and reasonable attorneys' fees incurred in the course of collecting any amounts owed 
under this Agreement or in the recovery of any Collateral. 

ENFORCEMENT. We do not lose Our rights under this or any related agreement if 
We  delay  enforcing  them.  We  can  accept  late  payments,  partial  payments  or  any 
other payments, even if they are marked "paid in full" without losing any of Our rights 
under this Agreement. If any provision of this or any related agreement is determined 
to be unenforceable or invalid, all other provisions remain in full force and effect. 

NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move or 
otherwise have a change of address. 

CHANGE  IN  TERMS.  We  may  change  the  terms  of  this  Agreement  by  mailing  or 
delivering to You written notice of the changes as prescribed by the Federal Truth-In-
Lending  Act.  To  the  extent  permitted  by  law,  the  right  to  change  the  terms  of  this 
Agreement  includes,  but  is  not  limited  to,  the  right  to  change  the  periodic  rate 
applicable to Your unpaid balance and/or future advances. 

CREDIT  INSURANCE.  Credit  insurance  is  not  required  for  any  extension  of  credit 
under this Agreement. However, You may purchase any credit insurance available 
through Us and have the premiums added to Your outstanding balance. If You elect 
to do so, You will be given the necessary disclosures and documents separately. 

INTEGRATED  DOCUMENTS.  Any  separate  sheet  of  paper  labeled  "Additional 
Disclosure  -  Federal  Truth-In-Lending  Act,"  and/or  "Credit  Line  Account  Advance 
Request and Security Agreement" which is delivered together with this Agreement or 
at a later date becomes an integrated part of this Agreement and Disclosure. 

CONSENT TO AGREEMENT. You acknowledge receipt of a copy of this Agreement. 
By signing the application; or by using Your Account or any Account access device; 
or by authorizing another to use Your Account, You agree to and accept its terms. 

UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts 
to update information contained in Your original Account application or other financial 
information related to You, at Our request. You also agree that We may, from time to 
time, as We deem necessary, make inquiries pertaining to Your employment, credit 
standing  and  financial  responsibility  in  accordance  with  applicable  laws  and 
regulations.  You  further  agree  that  We  may  give  information  about  the  status  and 
payment history of Your Account to consumer credit reporting agencies, a prospective 
employer  or  insurer,  or  a  state  or  federal  licensing  agency  having  any  apparent 
legitimate business need for such information.  

TERMINATION. Either You or We may cancel Your Account or any particular Feature 
Category of Your Account, at any time, whether or not You are in default. You will, in 
any  case,  remain  liable  to  pay  any  unpaid  balances  according  to  the  terms  of  
Your Account. 

GOVERNING LAW. This Agreement is controlled and governed by the laws of the 
State of Colorado except to the extent that such laws are inconsistent with controlling 
federal law. 

SPECIFIC TERMS APPLICABLE TO YOUR MASTERCARD 
SECURED AND MASTERCARD PLATINUM CREDIT CARDS 

USE OF YOUR CARD. You may use Your Card to buy goods and services in any 
place that it is honored and to get cash advances at participating financial institutions. 
You agree not to use Your Card for illegal transactions including, but not limited to, 
advances made for the purpose of gambling and/or wagering where such practices 
are in violation of applicable state and/or federal law. 

OWNERSHIP. Your Card remains Our property and may be cancelled by Us at any 
time  without  notice.  You  agree  to  surrender  Your  Card  and  to  discontinue  its  use 
immediately upon Our request. 

ISSUANCE  OF  A  PERSONAL  IDENTIFICATION  NUMBER.  We  will  issue,  upon 
Your  request,  a  Personal  Identification  Number  (PIN)  for  use  with  participating 
Automated  Teller  Machines  (ATMs).  This  PIN  is  confidential  and  should  not  be 
disclosed to anyone. You may use Your PIN to access Your Account and all sums 
advanced  will  be  added  to  Your  Account  balance.  In  the  event  a  use  of  Your  PIN 
constitutes an Electronic Fund Transfer, the terms and conditions of Your Electronic 
Fund Transfer Agreement may also affect Your rights.  

EFFECT  OF  AGREEMENT.  Even  though  the  sales,  cash  advance,  credit  or  other 
slips You may sign or receive when using Your Card contain terms, this Agreement 
is the contract which solely applies to all transactions involving the Card. 

UNAUTHORIZED  USE. You may  be  liable for the  unauthorized  use  of Your  Card. 
You will not be liable for the unauthorized use that occurs after You notify Us of the 

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loss, theft, or possible unauthorized use by calling Us at (866) 820-5890 or by writing 
to  Us  at  the  address  shown  in  this  Agreement.  In  any  case,  Your  liability  will  not 
exceed $50.00. 

You must notify Us of any potential errors in writing. 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. 

REFUSAL  TO  HONOR  CARDS.  We  are  not  liable  for  the  refusal  or  inability  of 
merchants,  financial  institutions  and  others  to  accept  the  Cards,  or  electronic 
terminals to honor the Cards or complete a Card withdrawal, or for their retention of 
the Cards. 

FOREIGN  TRANSACTIONS.  For  transactions  initiated  in  foreign  currencies,  the 
exchange  rate  between  the  transaction  currency  and  the  billing  currency  (U.S. 
dollars) will be: (a) a rate selected by MasterCard from the range of rates available 
in  wholesale  currency  markets  for  the  applicable  central  processing  date,  which 
rate  may  vary  from  the  rate  MasterCard  itself  receives;  or  (b)  the  government-
mandated  rate  in  effect  for  the  applicable  central  processing  date.  For  all 
transactions initiated in foreign countries, You will be charged 1.00% calculated on 
the final settlement amount. 

TRANSACTION SLIPS. Your monthly statement will identify that merchant, electronic 
terminal  or  financial  institution  at  which  transactions  were  made,  but  sales,  cash 
advances, credit or other slips cannot be returned with the statement. 

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. 

LATE CHARGE. If Your payment is more than 10 days past due, You will be charged 
the lesser of: (a) the amount of the minimum payment due; or (b) $15.00. 

After We finish Our investigation, one of two things will happen: 

OTHER FEES AND CHARGES. You will be charged the following fees associated 
with the use of Your Card: (a) the lesser of $9.00 or the required minimum payment 
amount for the returned payment for any check (or other negotiable instrument used 
for  payment)  which  is  returned  unpaid;  (b)  $5.00  for  each  replacement  PIN  You 
request; (c) $10.00 for each replacement Card You request; (d) $45.00 each time that 
You request expedited delivery of Your Card; (e) $85.00 each time that You request 
expedited (24-hour) delivery of a replacement Card; (f) $5.00 each time You request 
a copy of a billing statement or sales draft; and (g) $25.00 per hour each time You 
request that We research Your Account.  

LOST CARDS. To report lost or stolen Credit Cards, You will immediately call Us at 
(800) 449-7728 or write to Us at the address shown in this Agreement.   

CREDITS.  If  a  merchant  who  honors  Your  Card  gives  You  credit  for  returns  or 
adjustments, they will do so by sending Us a slip which will be posted to Your Account. 
If Your credits  and payments  exceed  what  You  owe  Us, We  will  hold  and  apply  this 
credit against future purchases and cash advances, or if it is $1.00 or more refund it on 
Your written request or automatically deposit it to Your share account after six months.   

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 Our address shown in 
this Agreement. 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: 

 

 

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 $50.00 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 
$50.00. (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 at Our address shown in this Agreement. 

  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. 

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.

Copyright Oak Tree Business Systems, Inc., 2014-2021. All Rights Reserved.                           Page 4 of 4                                                                                      OTBS 016 Promo-3 FRB CUDE (12/21) 
Rev. (12/21) 

        
 
 
PRICING INFORMATION ADDENDUM CREDIT 
LINE ACCOUNT AGREEMENT AND DISCLOSURE 

THIS  IS  YOUR  ADDENDUM  THAT  CONTAINS  PRICING  INFORMATION  FOR  YOUR  MASTERCARD  SECURED  AND 
MASTERCARD PLATINUM CREDIT CARDS. PLEASE BE CERTAIN TO READ THIS ADDENDUM CAREFULLY AND NOTIFY 
US AT ONCE IF ANY PARTS ARE UNCLEAR. 

P.O. Box 261420 
9305 West Alameda Avenue 
Lakewood, Colorado 80226-9420 

Interest Rate and Interest Charges

Annual Percentage Rate 
(APR) for Purchases 

MasterCard Secured – 14.24% 

This APR will vary with the market based on the Prime Rate. 

MasterCard Platinum – 7.24%-14.24% based on Your credit worthiness at the time You 
establish Your Account. This APR will vary with the market based on the Prime Rate. 

APR for Balance Transfers 

MasterCard Secured – 3.99% introductory APR for one-year 

 After  that,  Your  APR  will  be  14.24%.  This  APR  will  vary  with  the  market  based  on  the 
Prime Rate. 

MasterCard Platinum – 3.99% introductory APR for one-year 

 After that, Your APR will be 7.24%-14.24% based on Your creditworthiness at the time You 
establish Your Account. This APR will vary with the market based on the Prime Rate. 

APR for Cash Advances 

MasterCard Secured – 14.24% 

This APR will vary with the market based on the Prime Rate.  

MasterCard Platinum – 7.24%-14.24% based on Your creditworthiness at the time You establish 

Your Account. This APR will vary with the market based on the Prime Rate. 

Your due date is at least 21 days after the close of each billing cycle. We will not charge 
You any interest on purchases if You pay Your entire  balance owed by the due date each 
month.  We  will  begin  charging  interest  on  cash  advances  and  balance  transfers  on  the 
transaction date. 

Paying Interest 

Fees

Transaction Fees  

  Foreign Transaction 

1.00% of each transaction in U.S. dollars. 

Penalty Fees 

  Returned Payment 
Late Payment 
 

Up to $9.00 
Up to $15.00 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See Your 
Account Agreement for details. 

Billing  Rights:  Information  on  Your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in  Your 
Account Agreement. 

MASTERCARD FINANCE CHARGES. In the case of any transactions under Your MasterCard Secured and MasterCard Platinum Feature Categories, the balances subject 
to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including new transactions). To get the average daily balance, We 
take the beginning balance of Your Account each day, add any new purchases, cash advances, balance transfers, insurance premiums, debit adjustments or other charges 
and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for the billing cycle and divide them 
by the number of days in the billing cycle. The Finance Charge for a billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the 
Monthly Periodic Rate. 

Your due date is at least 21 days after the close of each billing cycle. You can avoid Finance Charges on purchases by paying the entire balance owed by the due date each 
month. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. Cash 
advances and balance transfers are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in 
which such transaction is posted to Your Account. 

 Copyright Oak Tree Business Systems, Inc., 2012-2021. All Rights Reserved.  

Page 1 of 2  

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       Rev. (12/21) 

 
 
 
   
 
 
 
 
 
 
 
 
For  MasterCard  Secured  balance  transfer  transactions  that  occur  during  the  period  of  _______________  through  _______________,  each  such  transaction  will  accrue 
finance charges at an introductory Monthly Periodic Rate of 0.3325% (corresponding to an ANNUAL PERCENTAGE RATE of 3.99%) for one-year from the date of each 
such advance. Upon the expiration of each introductory rate period for balance transfers said balance for balance transfers existing at that time and in the future will accrue finance 
charges at the non-introductory variable rate as described in this Agreement. Balance transfer transactions that occur after _____________________ will be subject to the non-
introductory variable rate described elsewhere in this Agreement. 

For  MasterCard  Platinum  balance  transfer  transactions  that  occur  during  the  period  of  _______________  through  _______________,  each  such  transaction  will  accrue 
finance charges at an introductory Monthly Periodic Rate of 0.3325% (corresponding to an ANNUAL PERCENTAGE RATE of 3.99%) for one-year from the date of each 
such advance. Upon the expiration of each introductory rate period for balance transfers said balance for balance transfers existing at that time and in the future will accrue finance 
charges at the non-introductory variable rate as described in this Agreement. Balance transfer transactions that occur after _____________________ will be subject to the non-
introductory variable rate described elsewhere in this Agreement. 

MASTERCARD VARIABLE RATE. MasterCard advances (other than balance transfer transactions made during the introductory rate period) are subject to a Variable Rate 
which is based on the highest Prime Rate as published in the Money Rates Section of The Wall Street Journal in effect on the last day of May and November of each year 
("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle 
in January and July of each year. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect the number of Your 
regularly scheduled payments. Your Interest Rate will never be greater than 20.99% and will apply to Your remaining principal balance. 

For MasterCard Secured, Your Margin will be 10.99%. 

For MasterCard Platinum, Your Margin will be determined by Your creditworthiness and will be 3.99% - 10.99%. 

 Copyright Oak Tree Business Systems, Inc., 2012-2021. All Rights Reserved.  

Page 2 of 2  

          OTBS 016A Promo_3 FRB_Web CUDE (12/21)  
       Rev. (12/21)