1VISA CREDIT CARD AGREEMENT AND TRUTH-IN LENDING DIS CLOSURE  
WITH FEDCHOICE FEDERAL CREDIT UNION 
 
IF YOU ACTIVATE OR USE YOUR VISA CREDIT CARD, YOU A CKNOWLEDGE THAT YOU HAVE 
RECEIVED AND READ THIS AGREEMENT AND DISCLOSURE STA TEMENT 
In this Agreement and Disclosure Statement (�Agreem ent�) the words, �you� and �your,� mean each and al l of those who 
apply for or otherwise are responsible for the VISA  card account issued by FedChoice Federal Credit Un ion.  �Card� 
means the VISA card issued by FedChoice Federal Cre dit Union and any duplicates, additional cards and renewals we 
issue as well as other access devices, such as conv enience checks and Account numbers, that we give yo u to access 
your Account.  �We�, �us� and �our� mean FedChoice Federal Credit Union.  This Agreement contains the terms and 
disclosures that apply to your VISA Credit Card Acc ount (�Account�) with FedChoice Federal Credit Unio n and will be 
binding on you unless you cancel your Account withi n 30 days after receiving your Card and you have no t used or 
authorized use of your Account.  By applying for or  using the Card, you agree that we may provide your  personal data to 
VISA U.S.A., its members or their agents for the pu rpose of providing emergency cash and emergency cre dit card 
replacement services.   
Interest Rates and Interest Charges  
Annual Percentage Rate 
(APR) for Purchases, 
Balance Transfers and 
Cash Advances  
     
   
     
Paying Interest  Your due date is at least 27 days after the close o f each billing cycle.  We will not charge 
you any i nterest on purchases if you pay your entire balance  by the due date each month.  
We will begin charging interest on cash advances an d balance transfers on the transaction 
date. 
For Credit Card Tips from 
the Consumer Financial 
Protection Bureau To learn more about factors to consider when applyi ng for or using a credit card, visit the 
website of the Federal Reserve Board at http://www. consumerfinance.gov/learnmore. 
Fees 
Transaction Fees  
� Foreign Transactions 
  
1% of each foreign transaction in U.S. dollars . 
 
Penalty Fees  
� Late Payment 
� Returned Payment  
Up to $35 
Up to $33 
 
 
How We Will Calculate Your Balance:  We use a method called �average daily balance (incl uding new transactions).�  See below for 
more details.  
 
Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided below.  
 
Interest:   We will charge and you agree to pay interest calc ulated by multiplying the monthly average daily bal ances for purchases and 
cash advances for your Account by the monthly perio dic rate.  Balance transfers are considered cash ad vances.  To determine the 
monthly periodic rate, we divide the APR by 12.  Th e Prime Rate described below is a pricing index and  is not the lowest or best 
interest rate available.   
 
Platinum Accounts :        % monthly periodic rate (         % correspond ing ANNUAL PERCENTAGE RATE).  The APR may increase 
and decrease 12 times a year and is determined by a dding a margin of            % to an Index.  The ne w APR will be effective on the 
first day of the billing cycle following any APR ad justment.  An increase in the APR may result in mor e monthly payments and higher 
payment amounts.  The Index is the highest Prime Ra te as published in The Wall Street Journal �money r ates� table on the last 
business day of each calendar month.  In no event w ill the APR be greater than 18.00%.   
Gold Accounts:          % monthly periodic rate for the first 6 billin g cycles (           % corresponding ANNUAL PERCENT AGE RATE) 
and then         % monthly periodic rate (           % ANNUAL PERCENTAGE RATE). 
Share Secured Accounts :        % monthly periodic rate (            %correspo nding ANNUAL PERCENTAGE RATE).  The APR may 
increase and decrease twice a year on the 1 st  of January and July and is determined by adding a margin of 7% to an Index.  The new 
APR will be effective on the first day of the billi ng cycle following any APR adjustment.  An increase  in the APR may result in more   2monthly payments and higher payment amounts.  The I ndex is the highest Prime Rate as published in The Wall Street Journal �money 
rates� table 15 days before the first day of Januar y and the first day of July.  In no event will the APR be greater than 18.00%. 
How the Average Daily Balance is determined :  The average daily balances for purchases and cas h advances, including balance 
transfers, are determined separately.  Balance tran sfers are considered cash advances.  To get the ave rage daily balances for 
purchases and cash advances, we start with the sepa rate balances of purchases and cash advances at the  beginning of the billing 
cycle and then separately add any new purchases (in cluding charges that are treated as purchases) and new cash advances.  We then 
subtract any payments (as of the date received) or credits (as of the date of the transaction unless w e have subtracted them as of a 
later date) applicable to your purchases or cash ad vance balances.  We do the same each day of the bil ling cycle.  We don�t add any 
accrued interest.  This gives us the separate daily  balances for purchases and cash advances.  Then we  add up the separate daily 
balances for purchases and cash advances for each d ay of the billing cycle and divide each total by th e number of days in the billing 
cycle.  This gives us the average daily balances fo r purchases and cash advances.  
Interest Accrual:   Interest will begin on each purchase, cash advance and balance transfer on the transaction date.  Inte rest will be 
charged until you pay off the balance.  For conveni ence checks, the transaction date is the date the c heck is presented to us for 
payment. You will pay interest on each cash advance  from the date you get the cash advance and on each  balance transfer from the 
date it is posted to your Account.  There is no gra ce period on cash advances or balance transfers.  
Grace Period for Purchases:   You can avoid interest charges on new purchases whe n they are first billed on a monthly statement, as 
described below, but not on cash advances or balanc e transfers. If a monthly statement includes new pu rchases, and you make a 
payment that we receive by the  due date for that s tatement, which is at least 27 days after the close  of the billing cycle, we will not 
charge interest on any portion of the new purchases  on that statement to which we allocate such paymen t, provided that your current 
statement also shows that we received payment of th e New Balance for your prior month�s statement by t he payment due date on that 
statement or that the New Balance for your prior mo nth�s statement was zero. 
Foreign Transactions : Purchases and cash advances made in foreign count ries and foreign currencies will be billed to you i n U.S. 
dollars.  The exchange rate for transactions in a f oreign currency will be a rate selected by VISA fro m the range of rates available in 
wholesale currency markets for the applicable centr al processing date, which rate may vary from the ra te VISA itself receives, or the 
government mandated rate in effect for the applicab le central processing date, in either case, plus 1%  of the amount of the foreign 
currency purchase or cash advance after its convers ion into U.S. dollars.  The exchange rate in effect  on the central processing date 
may differ from the rate in effect on either the tr ansaction date or the posting date.  The exchange r ate is subject to change by VISA.  
These foreign transaction fees are finance charges.   These fees will be added to your Account balance as a purchase. 
Late Fees and Other Charges:   Your payment is late if we do not receive it within  10 days after the due date on your monthly stateme nt.  
We will charge and you agree to pay $25 the first t ime a payment is late and $35 for each additional l ate payment during the next 6 
billing cycles, but the late fee will not exceed th e full amount of the Minimum Payment that is late.  The Returned Payment fee is 
charged when any item presented for payment is dish onored for any reason.  We will charge and you agre e to pay up to $33 the first 
time an item is dishonored and $33 for each additio nal dishonored item during the next 6 billing cycle s, but the Returned Payment fee 
will not exceed the amount of the Minimum Payment d ue immediately before the date on which the dishono red item is returned to us.  
The Returned Payment fee is charged only once for e ach dishonored item.  We won�t charge more than a s ingle late payment or 
Returned Payment fee based on the same event.  In a ddition, the following charges will be imposed as a pplicable:  Reissue PIN 
number - $1.00 and Card Replacement - $5.00.  These  fees will be added to your Account balance as a pu rchase . 
 
Debt Protection:   Debt Protection is not required to obtain credit under this agreement.  If you elected to obtain and  qualify for debt 
protection in connection with this agreement, you u nderstand that the fees and other charges for prote ction will be added to your loan 
each month, and collected as part of your periodic payment.  You understand that these fees are not gu aranteed, but you will be 
notified in advance of any change in fees.   
 
Other Fees:  We may charge fees for certain services that you re quest, for example, if you request a copy of a mont hly statement, or 
for special services.  We will not charge fees for copies of documents requested for a billing dispute .  Service fees may change from 
time to time.  We will disclose these fees to you w hen you request the service.  Service fees will be charged to your Account as a 
purchase. 
 
Collection Costs:   You agree to pay the reasonable attorney�s fees, court costs and/or collection agency fees and costs  we incur as a 
result of your default, to the extent allowed by la w.  Any collection costs we incur will be added to your Account as a purchase. 
Security Interest.   This Account is secured by all individual and joi nt share accounts you have with us now and in the f uture.  Collateral 
securing other loans you have with us may also secu re this Account, except that your home, investment securities and household 
goods will never secure this Account.   
 
 
 
    3NOTICE TO COSIGNER:   You are being asked to guarantee this debt.  Thin k carefully before you do.  If the borrower does no t pay the 
debt, you will have to.  Be sure you can afford to pay if you have to, and that you want to accept thi s responsibility.  You may have to 
pay up to the full amount of the debt if the borrow er does not pay.  You may also have to pay late fee s or collection costs, which 
increase this amount.  The Credit Union can collect  this debt from you without first trying to collect  from the borrower.  The Credit Union 
can use the same collection methods against you tha t can be used against the borrower, such as suing y ou, garnishing your wages, 
etc.  If this debt is ever in default, that fact ma y become a part of your credit record.  This notice  is not the contract that makes you liable 
for the debt. 
CREDIT LIMIT:   If we approve your application, we will establish  a self-replenishing Credit Limit for you and notif y you of its amount 
when we issue the Card.  You agree not to let the A ccount balance exceed the Credit Limit.  We may, bu t are not required to, extend 
credit in excess of your Credit Limit.  If we do ex tend credit in excess of your Credit Limit, we are not obligated to do so again and you 
immediately will pay us the excess amount with or w ithout notice or demand.  You may request an increa se in your Credit Limit only by 
written application to us, which must be approved b y a loan officer. 
USING THE CARD:   You may use your Account to purchase goods or ser vices or get cash advances, up to the Credit Limit.   We may 
allow you to transfer balances from other credit ca rds.  Your monthly statement will identify the merc hant, electronic terminal or financial 
institution at which transactions were made, but sa les, cash advance, credit and other slips will not be returned.  You agree to retain a 
copy of such slips to verify the monthly statement.    
We also may issue convenience checks to you from ti me to time.  When you sign a convenience check, you  request a cash advance 
from your Account.  We may refuse to pay a convenie nce check for any reason.  At your risk and upon yo ur request, we will accept a 
stop payment request on a convenience check.   You must provide us with any information we may require .  A stop payment request 
becomes effective only after we have had a reasonab le opportunity to act upon it.  Our receipt of your  stop payment request comes too 
late if:  we have indicated in any manner that we w ill pay or honor the convenience check; the conveni ence check is already in our 
processing system; or we do not have a reasonable t ime to act upon it (and you and we agree that the r eceipt of your stop payment 
request on the same day as the convenience check is  presented to us does not give us a reasonable time  to act on the stop payment 
request).  Stop payment requests may be made orally  or in writing.  An oral stop payment request is ef fective for 14 calendar days 
following our receipt unless confirmed by you in wr iting before the end of that time period.  A writte n stop payment request is effective 
for 6 months following our receipt and must be rene wed in writing.  If you fail to renew a stop paymen t request before it expires, you will 
be deemed to have consented to payment of the conve nience check.   
We can increase or decrease your Credit Limit and c an refuse to make a transaction (without prior noti ce unless required by law) at any 
time for any reason not prohibited by law.  We are not responsible for any losses if a transaction is declined for any reason, either by us 
or someone else.  
PROMISE TO PAY:  You promise to pay us for all credit that we exten d on your Account arising from the authorized use o f your Card 
and all other amounts owed to us under the terms of  this Agreement.  You are responsible for charges m ade by anyone to whom you 
give the Card or who is authorized to use the Card.   Your obligation to pay the Account balance contin ues even though an agreement, 
divorce decree or other court judgment to which we are not a party may direct you or one of the other persons responsible to pay the 
Account.  You cannot transfer or assign your Accoun t to any other person. 
MONTHLY PAYMENT:  We will send you a statement every month showing t he Minimum Payment required.  Our statement shall b e 
deemed correct and accepted by you unless you notif y us within 60 days of the date we sent the stateme nt.  Every month you must pay 
at least the Minimum Payment due by the payment due  date on the statement.  You may, of course, pay an y or all of the amounts you 
owe at any time.  The Minimum Payment will be (a) t he greater of 3% of your New Balance on the stateme nt, or $10.00, plus (b) any 
amounts past due and any amounts in excess of your Credit Limit.  If the New Balance is less than $10. 00, it is payable in full.   
Subject to the requirements of applicable law, (a) we may select the method by which payments and cred its are allocated to your 
Account in our sole discretion, and (b) if you pay more than the Minimum Payment required, we will app ly the excess amount to the 
balance with the highest APR and then to other bala nces in descending order based on APRs. 
Payment checks must be drawn on a financial institu tion or other entity domiciled in the United States .  Payments will be credited to 
your Account as of the date of receipt if you meet the requirements stated on your monthly statement.  Payments that do not conform to 
these requirements may be subject to delay in credi ting, but shall be credited within 5 days of receip t.  Although we post your payments 
in the manner described above, we may delay restori ng your available Credit Limit in the amount of you r payment.  All credits for 
payments to your Account are subject to final payme nt by the institution on which the item of payment was drawn. 
PLEDGE OF SHARE ACCOUNT(S):   You pledge and grant a security interest to us in  all individual and joint share accounts you have 
with us now and in the future to secure your Accoun t.  You authorize us to apply the balance in these share account(s) to pay any 
amounts due under this Agreement if you default.  Y ou are not giving a security interest in any shares  or funds in any IRA, SEP, 
Keogh, or any other share account which, if pledged , would result in the loss of special tax treatment  under the Internal Revenue 
Code. 
If you have a Share Secured VISA Account, you under stand and agree that an amount in your pledged shar e account(s) equal to your 
Credit Limit plus 10% will be frozen.  We may, but do not have to, allow you to withdraw a portion of your shares or other funds without 
affecting our security interest.  Frozen share fund s will not be released until at least 45 days after  the Account is closed.      4CREDIT INFORMATION:   You authorize us to investigate your credit stand ing when opening, renewing or reviewing your Accoun t.  
You authorize us to make all inquiries we deem nece ssary for us to offer or maintain this Account, inc luding contacting references, 
present and former employers, merchants, landlords and creditors. 
LIABILITY FOR UNAUTHORIZED USE:   You may be liable for the unauthorized use of you r Card.  You promise to notify us 
immediately by phone upon discovering that your Car d has been lost or stolen or of unauthorized use of  your Card.  Phone us at 
301.699.6151 or 1.800.969.6151 or after hours at 1. 800.325.3678.  You will not be liable for unauthori zed use that occurs after you 
notify us by writing to FedChoice Federal Credit Un ion, 10001 Willowdale Road, Lanham, MD 20706, or by  phone (to the above 
numbers) of the loss, theft or unauthorized use of your Card.  You agree to tell us what you know abou t the loss or theft, and you agree 
to assist us in discovering the circumstances relat ing to any unauthorized use of the Account.  We res erve the right to impose liability 
on you if we determine that you were negligent in t he handling of the Account or Card.  In any case, y our liability will not exceed $50. 
If you give us notice orally concerning loss or the ft, you agree to confirm it in writing.  You agree that unauthorized use does not include 
use by a person to whom you have given authority to  use the Account or Card and that you will be liabl e for all use by such a person.  
To terminate that authority, you must notify us.  I f your Card is stolen and you give us written notic e, along with a copy of the police 
report, we will process a replacement Card request.   There is no charge for a replacement Card under t hese conditions.  If your Card is 
lost and you give us written notice, we will proces s a replacement Card request and charge you the fee  stated at the top of this 
Agreement. 
ILLEGAL USE OF CARD:   You may use the Card only for transactions permit ted by law.  If you use the Card for illegal transa ctions, 
you waive the right to sue us and agree to indemnif y and hold us harmless from any suits or other lega l action or liability, directly or 
indirectly, resulting from such illegal use.  Illeg al use includes, but is not limited to, gambling in  certain states and any withdrawal of 
funds with the intent to conduct any illegal activi ty. 
NOTICES:   Notice sent to any one of you will be considered notice to all.  Any notices we give you shall be in  writing and deemed given 
when deposited in the U.S. mail, with postage prepa id and addressed to you at your last known address in our records for your Account 
or when sent by e-mail (if you use our Internet ban king services) to your last known Internet address.   Your notices to us must be in 
writing and sent to the address shown in your most recent billing statement or as otherwise specified in this Agreement.  If a specific 
notice period or type of notice is required by appl icable law, the notice will be made and will be bin ding in accordance with such law. 
DEFAULT :  You will be in default if you fail to make at le ast the Minimum Payment by the date it is due.  You  will also be in default if: 
(a) you breach any other term of this Agreement, or  
(b) a bankruptcy or insolvency proceedings has/have  been filed by or against your, or 
(c) we have evidence or a reasonable belief that an  unauthorized use of the Account has been made, or 
(d) you die. 
 
In the event of default, at our option, the entire balance of your Account and all Finance Charges sha ll become due and payable 
immediately.   
 
 
RETURNS AND ADJUSTMENTS:   Merchants and others who honor the Card may give credit for returns or adjustments, and they will 
do so by sending us a credit slip that we will post  to your Account.  If your credits and payments exc eed what you owe us, we will hold 
and apply this credit balance against future purcha ses and cash advances, or if it is $1.00 or more, r efund it on your written request or 
automatically after 6 months. 
MERCHANT DISPUTES:   We are not responsible if any merchant or financi al institution refuses to honor the Card. 
COMMUNICATIONS CONCERNING DISPUTED DEBTS:  IF YOU MAKE A PAYMENT MARKED �PAID IN FULL� OR STA TE THAT 
YOUR CHECK PAYS YOUR OUTSTANDING BALANCE OR IS OTHE RWISE IN FULL SATISFACTION OF THIS AGREEMENT YOU 
MUST SEND THAT PAYMENT TO FEDCHOICE FEDERAL CREDIT UNION, 10001 WILLOWDALE ROAD, LANHAM, MD 20706. 
CHANGING OR TERMINATING YOUR ACCOUNT:   If The Wall Street Journal stops publishing the P rime Rate, we may select a 
similar index rate.  To the extent permitted by law , we may change the terms of this Agreement, includ ing, but not limited to, the APR 
and monthly periodic rate, from time to time after giving you notice. We do not have to notify you in advance if certain changes are 
necessary for security reasons.  Your use of the Ca rd after receiving notice of a change will evidence  your agreement to the change.  
Some changes will apply to your existing Account ba lance as well as to future transactions if indicate d in the notice to you.  Either we or 
you may terminate this Agreement at any time by giv ing the other party notice, but termination will no t affect your obligation to pay the 
Account balance plus any interest and other charges  owed.  Termination by any one of you terminates th e Card for all of you.  
Termination by you is effective upon our acknowledg ement that your notice has been received.  The Card s you receive remain our 
property and you must recover and surrender all Car ds to us upon request or upon termination of this A greement. 
TELEPHONE MONITORING:   To ensure that you received accurate and courteou s customer service, on occasion, your call may be 
monitored by our employees or agents and you agree to any such monitoring.  
 
    5EFFECT OF AGREEMENT:   This Agreement, together with any application you  signed or otherwise submitted in connection with t he 
Account (which is hereby incorporated by reference in this Agreement), constitutes the entire agreemen t between you and us relating to 
your Account and supersedes any other prior or cont emporaneous agreement between you and us relating t o your Account.  This 
Agreement may not be amended except in accordance w ith the provisions of this Agreement.  This Agreeme nt is a contract that applies 
to all transactions on your Account even though the  sales, cash advance, credit or other slips you sig n or receive may contain different 
terms.   
CHANGE OF ADDRESS:   You will notify us promptly if you change your ad dress or email address.  We may send statements and  
other notices to your address or email address in o ur records until we have a reasonable opportunity t o update our records with any 
new address for you.   
MISCELLANEOUS:  This Agreement is governed by the laws of the Stat e of Maryland except to the extent federal laws pre empt 
Maryland law.  We elect to extend credit under Subt itle 9 of Title 12 of the Commercial Law Article of  the Annotated Code of Maryland, 
except to the extent it is preempted by federal law .  We can delay enforcing any of our rights any num ber of times without losing them.   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
    6Your Billing Rights: Keep this Document for Future Use 
 
This notice tells you about your rights and our res ponsibilities 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 you statement, wr ite us at: 
 
FEDCHOICE FEDERAL CREDIT UNION 
10001 Willowdale Road 
Lanham, MD  20706 
 
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, descri be 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 st atement. 
� At least 3 business days before an automated payme nt 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 .  You may call us, but if you do we are not requir ed 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 al so 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 why we believe  the bill was correct.  While we 
investigate whether or not there has been error: 
o We cannot try to collect the amount in question, o r report you as delinquent on that amount. 
o The charge in question may remain on your statemen t, and we may continue to charge you interest on th at amount. 
o While you do not have to pay the amount in questio n, you are responsible for the remainder of your ba lance. 
o We can apply any unpaid amount against your credit  limit.  
 
After we finish our investigation, one of two thing s 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 del inquent if you do not pay the 
amount we think you owe.   
 
If you receive our explanation but still believe yo ur 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 report ing that you are questioning your bill.  We must te ll 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 que stion even if your bill is correct. 
 
Your Rights if You Are Dissatisfied With Your Credi t 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 pa y the remaining amount due on the purchase.   
 
To use this right, all of the following must be tru e: 
 
1. The purchase must have been made in your home St ate or within 100 mile of your current mailing addr ess, and the purchase price 
must have been more than $50.  (Note:  Neither of t hese 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 purc hase.  Purchase made with cash advances form 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 purchas e. 
 
If all of the criteria above are met and you are st ill dissatisfied with the purchase, contact us in writing at:  
 
FEDCHOICE FEDERAL CREDIT UNION 
10001 Willowdale Road 
Lanham, MD  20706 
 
While we investigate, the same rules apply to the d isputed 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 d o not pay, we may report you as delinquent.