Credit Card Agreement  

and 
Federal Truth-in-Lending Disclosure Statement  

IMPORTANT DOCUMENT PLEASE KEEP FOR YOUR RECORDS 

220 Donald Lynch Blvd • PO Box 9130   Marlborough, MA 01752-9130   508.263.6700 • 800.328.8797 
dcu.org   dcu@dcu.org    TTY: 800.395.5146 (For Hearing Impaired Only) 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
VISA CREDIT CARD AGREEMENT AND FEDERAL 
TRUTH-IN-LENDING DISCLOSURE STATEMENT 
In the following Visa Credit Card Agreement and Federal 
Truth-in-Lending  Disclosure  Statement  (“Agreement”),  the  words 
“I,”  “me,”  “mine,”  “my,”  “us,”  “they,”  “their,”  and  “our”  mean  each 
and all of those who apply for or use a Digital Federal Credit Union 
(DCU)  Visa  Card(s)  whether  Prime  Owner,  Co-Borrower,  or  other 
authorized user. The words “you,” “your,” and “yours” mean DCU. 
“Card” means any of DCU’s Visa Card products issued to me and 
any  duplicates  you  may  issue.  “Account”  means  my  Visa  Credit 
Card  Account  with  you.  “Statement”  means  my  Visa  Monthly 
Statement of activity and payment information. "Letter" means the 
Visa  Credit  Card  Approval  Letter  that  is  sent  once  a  Visa  Credit 
Card Account has been approved and opened and is incorporated 
herein  by  reference.  This  Account  is  also  subject  to  the  Visa 
Additional Federal Disclosure Table and the Schedule of Fees and 
Service Charges also incorporated herein by reference. I agree to 
those  terms  and  conditions  as  well  as  the  following  terms  and 
conditions  and  any  amendments  thereto,  by  requesting  and 
receiving,  signing,  using,  or  permitting  others  to  use  the  Visa 
Card(s) and/or Account issued to me by DCU. 

PAYMENT 
I promise to repay you in United States dollars at your office, 
or at the address indicated on my Statement, all sums advanced 
to me or any person I permit to use this account as well as any 
applicable FINANCE CHARGE, fee, or service charge in 
accordance with the terms and at the rates set forth herein. 
Payments will be credited to my DCU balance upon receipt. I 
will allow one business day for payments to be reflected in my 
available balance with Visa. 

ANNUAL PERCENTAGE RATE (APR) 
The  APR  used  to  calculate  the  FINANCE  CHARGE  when 
applicable on DCU's Visa Credit Card Accounts is  a variable rate. 
The APR for my Visa Credit Card Account was stated in the 
Letter and was based in part on my personal credit history. 

PERIODIC FINANCE CHARGE 
FINANCE CHARGE begins to accrue from the date the transaction 
is posted to my Account. The FINANCE CHARGE is calculated 
(and stored) each day during the billing cycle by taking the 
beginning day’s balance and multiplying it by the Periodic Rate 
divided by 365. The total FINANCE CHARGE for the Billing 
Cycle is the sum of all stored FINANCE CHARGES for that 
cycle. No FINANCE Charge will be imposed on new purchases 
which appear for the first time during the Billing Cycle if the 
entire Previous Statement Balance (including unpaid FINANCE 
CHARGE) is paid in full by the Payment Due Date and there is no 
new  cash  advance  activity.  Cash  Advances  will  incur  a  daily 
FINANCE  CHARGE  for  each  day  the  Cash  Advance  balance 
remains  on  the  account.  You  define  Cash  Advance  in  this 
disclosure under ACCESSING THE ACCOUNT. 
FINANCE CHARGE is calculated using the balance as of the 
beginning of each day in the Billing Cycle. While transactions 
actually posted to my account on the Billing Cycle Close Date 
will be included in the Balances and other Totals at the bottom of 
each statement, they will not have been used in the calculation of 
that cycle’s FINANCE CHARGE as the beginning balance for 
that day would have already been determined. 
Average Daily Balance: Although the FINANCE CHARGE is 
calculated daily, the Average Daily Balance is provided on my 
statement for reference. The Average Daily Balance is the total 
FINANCE CHARGE for the cycle divided by the number of 
days in the cycle divided by the Periodic Rate times 365. 
I understand there may be minor variations due to rounding. 

MINIMUM PAYMENT 
I must pay at least the “Total Minimum Payment” by the “Payment 
Due Date” shown on my Statement. The "Total Minimum Payment" 
includes the Minimum Payment Due, Past Due Amounts, any 
outstanding fees, and any amount in excess of my Credit Limit, as 
applicable. 
I may pay more than the Minimum Payment Due, pay more 
frequently or pay the Previous Balance which includes any 
FINANCE CHARGE due, and by doing so will reduce my 
FINANCE CHARGE. Information regarding my Minimum Payment 
Due is stated in the Visa Additional Federal Disclosure Table.. 
I understand that any Payment received is applied in the following 
order as applicable: (1) Miscellaneous and Late Fees, (2) all 
unpaid FINANCE CHARGE, (3) principal. Principal is reduced in 
the following order: 

• Purchase balance as of last statement 
• Cash advance balance as of last statement 
• Purchase this cycle 
• Cash advances this cycle 

Payments received that are in excess of the required minimum will 
be applied to balances in descending rate order as applicable. 

LATE CHARGE 
A Late Charge will be assessed on my Account if my “Total 
Minimum Payment Due” is not received by you at the address 
on the front of my Statement by the “Payment Due Date.” The 
“Total Minimum Payment Due” will include the Minimum 
Payment  Due,  Past  Due  Amounts,  any  Fees  and  Late  Charges, 
and any amount in excess of my Credit Limit. 

OTHER FEES 
Additional fees, as stated in your Schedule of Fees and Service 
Charges, may apply. 

CREDIT LIMIT 
You established a Credit Limit for me. This was stated in my 
Letter. I agree not to let the unpaid balance exceed this Credit 
Limit. I agree to advise you of any change in my financial 
condition which may affect my creditworthiness. I agree that I 
will update the credit information I have provided you, from 
time to time, on your request. I may request an increase in my 
Credit Limit with the understanding that Credit Limit increases 
must be approved by you. 

PURCHASES, ADVANCES, AND LIMITATIONS 
I may make purchases and request advances in accordance with 
the current loan policies up to my Credit Limit. I understand 
and agree that all purchases, advances, and other transactions 
requested by me are subject to your authorization and/or 
approval and that, for security reasons you may limit the 
number of these transactions authorized daily. If circumstances 
beyond your reasonable control (such as the electronic 
authorization system being “down”) prevent authorization from 
being obtained, I understand that approval may be based on an 
adjusted creditlLimit not to exceed my actual available Credit Limit. 

ACCESSING THE ACCOUNT 
I may authorize a purchase by presenting my Card or Card 
Number to a participating VISA plan merchant. Authorized 
Cash Advances, for purpose of this disclosure, would be 
transactions by any of the following methods: presenting my 
Card or Card Number to you or another financial institution and 
signing or authorizing a cash advance draft; my properly 
completing a VISA draft; using my Personal Identification 
Number (PIN) in conjunction with my Card at an Automated 
Teller Machine (ATM) or other type of electronic terminal that 
provides access to the VISA system; transferring or withdrawing 
funds directly from my DCU Visa Account through PC 
Branch, your home banking system; or, having previously 
authorized your advancing of funds from this Account to clear 
the amount of any overdraft on my DCU Checking Account up 

 
 
 
 
 
 
 
 
 
 
 
 
 
to my available Credit Limit, in such increments as you may 
determine, and without any advance notice to me. 
My Card and/or Account may not be used for any illegal 
activity or transaction. Further, I may not utilize my Card 
and/or Account for the purchase of any goods or services on the 
Internet that involves gambling of any sort. Such transactions 
include, but may not be limited to, any quasi-cash or online 
gambling transaction, any electronic commerce transaction 
conducted on an open network, and any betting transaction 
including the purchase of lottery tickets or casino gaming chips 
or off-track betting or wagering. However, in the event that a 
charge or transaction described in this paragraph is approved 
and processed, I will still be responsible for such charges. 

ELECTRONIC FUNDS TRANSFER 
In the event that the use of my Card or Account Number 
constitutes an electronic funds transfer, the terms and conditions 
of the “Electronic Services Disclosure and Agreements” I 
received from you will govern such transactions to the extent 
that it expands or amends this Agreement. 

PREPAYMENT OR IRREGULAR PAYMENTS 
Although I must pay the Total Minimum Payment Due, I 
understand that I have the right to make additional payments at 
any time without penalty. I also understand I will only be 
charged a FINANCE CHARGE to the date I repay my entire 
loan. I may make larger payments without penalty and this 
may reduce the total amount of FINANCE CHARGE I will 
repay. Any partial payment that (a) delays or (b) accelerates 
the repayment of my unpaid balance will (a) increase or (b) 
decrease my FINANCE CHARGE. 

DEFAULT 
I may be considered to be in default if (a) I do not pay the Total 
Minimum Payment Due on time, (b) my share account(s) is 
seized or attached by legal process and I have authorized you to 
automatically transfer payments from such account(s) to my 
VISA account, (c) I exceed my Credit Limit, (d) I fail to adhere 
to any of the terms of this Agreement, (e) my creditworthiness is 
impaired,  (f)  I  die,  become  insolvent  or  I  am  the  subject  of 
bankruptcy or receivership proceedings, (g) I am in default on any 
other loan(s) with you, or (h) I have made any misrepresentation 
in connection with the loan application and/or this Agreement. If I 
am in default, you may terminate this Agreement, terminate any 
accumulated  ScoreCard  points  (if  applicable),  and  demand 
immediate payment of my entire loan. I understand that FINANCE 
CHARGES,  Fees,  and  Late  Charges  (if  any)  permitted  under  this 
Agreement  will  continue  to  accrue  until  I  repay  my  entire  loan.  I 
also agree to pay your collection costs, reasonable attorney's fees, 
and court costs should they become necessary. If I am in default at 
the time of reissue of my Card(s), you will not reissue my Card(s). 

TERMINATION 
You may terminate this Agreement upon adverse re-evaluation 
of my creditworthiness or my default. By giving written notice, 
either you or I may terminate this Agreement for other good 
cause. In addition, you may suspend credit privileges or reduce 
my credit limit upon adverse re-evaluation of my creditworthiness. 
Written  requests  to  remove  a  borrower's  right  to  obtain  advances 
or  make  purchases  under  this  Agreement  will  permanently  close 
the account to any further advances or purchases. I must write you 
at:  DCU,  Attn:  Electronic  Services,  220  Donald  Lynch  Blvd.,  PO 
Box  9130,  Marlborough,  MA  01752-9130.  In  no  event  will  any 
termination  relieve  me  of  my  obligation  to  repay  sums  already 
borrowed,  Fees  and  Late  Charges,  collection  costs,  reasonable 
attorney's fees, court costs, and FINANCE CHARGE. 

CHANGE OF NAME, ADDRESS, EMPLOYMENT, 
OR CREDITWORTHINESS 
I agree to notify you of any change in my name, address, 
employment, or creditworthiness. 

LATE PAYMENTS AND INCREASE TO APR 
If  I  fail  to  pay  the  minimum  due  by  the  “Payment  Due  Date”  my 
payment  will  be  considered  late  and  I  may  be  considered  in 
default.  If  my  payment  is  considered  60  days  late  at  any  time,  I 
understand the Annual Percentage Rate (APR) used in calculating 
the  FINANCE  CHARGE,  will  be  changed  to  the  Penalty  APR 
stated in the enclosed Disclosure Table. The adjusted rate will be 
effective as of the date stated in the notice which you will send me 
no later than  45-days prior to implementing the change. If I make 
six  consecutive  payments  (minimum  or  higher)  on  or  before  the 
payment  due  date,  beginning  with  the  payment  due  immediately 
following  the  effective  date  of  the  increase,  the  APR  will  be 
restored  to  that  in  effect  prior  to  the  application  of  the  Penalty 
in  effect 
the  Penalty  Rate  may 
Rate.  Otherwise 
indefinitely..  If  at  anytime  you  consider  my  account  in  default,  I 
understand  you  may  demand  full  payment  and  return  of  my 
Card(s).  I  also  agree  to  pay  outstanding  Fees,  collection  costs, 
reasonable attorney fees, and court costs as applicable. 

remain 

RESPONSIBILITY 
I agree to repay you according to the terms of this Agreement for 
all  purchases,  advances,  FINANCE  CHARGES,  Fees  and  Late 
Charges, and collection costs arising from the use of the Account 
by me or any other person I permit to use my Account even if that 
person  exceeds  my  permission.  Any  person  using  the  Account  is 
jointly and severally responsible with me. 

CHANGE IN TERMS 
This agreement is the contract which applies to all transactions 
on my Account even though the sales, cash advance, credit, or 
other slips I sign or receive may contain different terms. I 
understand that you may amend, modify, add to, or delete from 
this Agreement any of the terms and conditions including the 
method of application and the amount of FINANCE CHARGE, 
effective as to any subsequent advance, by mailing a notice of the 
change  to  me  at  my  last  known  address.  I  also  understand  that 
any  notice  of  a  material  change,  will  be  mailed  at  least  forty-five 
(45)  days  prior  to  the  effective  date  of  the  change  as  required  by 
Federal or other law. Notice of the change in terms is required, but 
may be sent as late as the effective date of the change where the 
change is not considered material or has otherwise been agreed to 
in writing by me. 

SURRENDER OF CARD(S) 
The Card(s) remains your property and I agree to surrender the 
Card to you upon request. You may cancel, modify, or restrict 
the use of the Card and/or Account with or without notice: if 
my Account is in default, if you are aware that I have violated 
any term of this or any other DCU Disclosure or Account 
Agreement whether or not you suffer a loss, or when necessary 
to maintain or restore the security of my Account(s) which you 
may choose to do, for example, if my Card remains inactive in 
excess of twelve months and there is no outstanding balance. 

LOST OR STOLEN CARD(S) AND 
UNAUTHORIZED USE 
I agree to notify you within 48 hours if I believe my Card(s) has 
been lost or stolen. To report a lost or stolen Card(s), or the 
unauthorized use of my Card(s), Account Number, Personal 
Identification Number (PIN), or any combination of the three, I 
must call you at: 503.263.6700 or 800.328.8797, or write you at: 
DCU, Attn: Electronic Services, 220 Donald Lynch Blvd., PO 
Box 9130, Marlborough, MA 01752-9130. I may be liable for 
the unauthorized use of my Account. I will not be liable for 
unauthorized use that occurs after I notify you by phone or when 
you receive my written notification at the above address. In any 
case, my liability for unauthorized use will not exceed $50.00. 
However, in accordance with Visa International, Inc. Operating 
Rules and Regulations, my liability for fraudulent transactions 
resulting from the use of a lost/stolen Card will be $0. 

 
 
 
 
 
 
 
 
 
 
ADDITIONAL TERMS APPLICABLE TO VISA 
CHECKS 
Check Uses: I can use my Visa Checks (“Checks”) to purchase 
goods and services or to obtain cash up to the amount of my 
Credit Limit. Use of my Checks is a cash advance on my Visa 
Account. 

Limitations:You are not required to honor a Check that will 
cause me to exceed my Credit Limit. You will not pay a 
Check if at the time the Check is presented, I am in default or 
you have suspended, terminated, or canceled my Account. 
Each Check must be in the form you have issued to me. 
Checks may be used only by the person(s) whose name(s) is 
printed on the Checks. I am responsible for all authorized use 
of my Checks. I may not use my Checks to pay any amount 
which I owe you under my Account. 

Periodic Statements: My Statement will show me an itemization 
of the Checks posted to my Account during the billing cycle. 
Checks paid by you will not be returned to me with my 
Statement. 

Returned Check Fee: You will charge a fee per returned 
Check which will be billed to my Account, if my Check(s) 
cannot be paid. 

Stop Payment: Provided such request is timely, so that you 
shall have a reasonable opportunity to act upon it under your 
rules, I may order a Stop Payment on a Check drawn on my 
Account, other than one that has been guaranteed. You may, 
but shall not be obligated to, receive such order orally. In such 
event, the order shall be valid for only fourteen (14) days 
thereafter unless confirmed in writing. Written stop payment 
orders will remain in effect only six (6) months unless 
renewed in writing. I have the burden of establishing the fact 
and amount of loss resulting from payment contrary to a binding 
stop payment. You will charge a fee when I place a Stop 
Payment on my check(s) which will be billed to my Account. 
Surrender of Visa Checks: Checks are your property. You 
reserve the right to revoke them at any time. I agree to return 
them at your request. 

COPY RECEIVED 
I acknowledge receipt of this copy of your “Visa Credit Card 
Agreement and Federal Truth-in-Lending Disclosure 
Statement” and accept and agree to its terms and conditions. 

TRANSACTION SLIPS 
My Statement will identify the 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. I will retain the slips furnished at the time of transaction 
in order to verify my Statement activity. You may charge a 
Duplicate Copy fee for any photo static copies of slips I request. 

CREDIT INFORMATION 
I authorize you to investigate my credit standing when opening, 
renewing, or reviewing my Account and I authorize you to disclose 
information regarding my Account to others who inquire of 
you about my credit standing to the extent authorized by law. 

PLAN MERCHANT DISPUTES 
You are not responsible for the refusal of any plan merchant or 
financial institution to honor my Card. You are subject to claims 
and defenses (other than tort claims) arising out of goods or 
services I purchase with the Card, only if I have made a good 
faith attempt but have been unable to obtain satisfaction from 
the plan merchant, and (a) my purchase was made in response 
to an advertisement you sent or participated in sending me; or 
(b) my purchase cost more than $50 and was made from a 
plan merchant in my state or within 100 miles of my current 
mailing address. I must resolve any other dispute directly with 
the plan merchant. 

FOREIGN TRANSACTIONS 
Purchase and Cash Advances I make in foreign countries and 
in foreign currencies will be billed to me in U.S. dollars. The 
exchange rate between transaction currency and the billing 
currency used for processing international transactions is a 
rate selected by Visa from the 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. 

PAYMENTS MARKED “PAID IN FULL” 
You may accept checks or other types of payment which are 
marked “payment in full” or use other language to indicate 
full satisfaction of any indebtedness, without being bound by 
such language or waiving any rights under this Agreement. 
Full satisfaction of indebtedness shall be accepted by you only 
in a written agreement, signed by an authorized representative. 

RETURNS AND ADJUSTMENTS 
Merchants and others who honor my Card may give credit for 
returns or adjustments, and they will do so by transmitting a 
credit to my Account. If this credit exceeds my outstanding 
balance, any residual will be transferred to my share account. 

DELAY IN ENFORCEMENT 
You can delay enforcing any of your rights under this 
Agreement without losing them. 

GOVERNING LAW 
I understand and agree that this Agreement is made in 
Massachusetts and shall be governed by the Laws of the 
Commonwealth of Massachusetts to the extent that 
Massachusetts law is not inconsistent with controlling federal 
law. I also understand that Massachusetts' choice of law rules 
shall not be applied if they would result in the application of 
non-Massachusetts law. 

INTEGRATED DOCUMENT(S) 
Any separate sheet of paper labeled “Additional Federal 
Disclosure” which is delivered with or separate from this document 
is an integrated part of this Agreement and is incorporated 
by this reference. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
See the statement below for important information regarding 
my right to dispute billing errors. 

NOTICE 

MY BILLING RIGHTS 
(KEEP THIS NOTICE FOR FUTURE REFERENCE) 

This notice contains important information about my rights 
and your responsibilities under the Fair Credit Billing Act. 

NOTIFICATION IN CASE OF ERRORS OR 
QUESTIONS 

ABOUT MY STATEMENT 
If I think my Statement is wrong, or if I need more information 
about a transaction on my Statement, I must write you on a 
separate sheet at: DCU, Attn: Electronic Services, 220 Donald 
Lynch Blvd., PO Box 9130, Marlborough, MA 01752-9130. I must 
write as soon as possible. You must receive notification from me 
no later than sixty (60) days after you send me the FIRST 
Statement on which the problem or error appeared. I may 
telephone you but doing so WILL NOT preserve my 
rights. In my letter, I must: 
1. Tell you my name and account number; 
2. Reference the dollar amount of the suspected 
error; and, 
3. Describe the error or the transaction and explain as 
clearly as I can why I believe it is an error or why I 
need more information. 
If I have authorized you to make my Credit Card payment 
automatically from my Savings or Checking Account, I can 
stop the payment on any amount I think is wrong. To stop the 
payment, I must write you at: Digital Federal Credit Union, 
Attn: Account Services, 220 Donald Lynch Blvd., PO Box 
9130, Marlborough, MA 01752-9130. You must RECEIVE 
my letter no later than three (3) business days before the 
automatic payment is scheduled to occur. 

MY RIGHTS AND YOUR RESPONSIBILITIES 
AFTER YOU RECEIVE MY WRITTEN NOTICE 
You must acknowledge my letter within thirty (30) days, unless 
you have corrected the error within that time. Within ninety 
(90) days, you must either correct the error or explain why you 
believe the Statement was correct. 
After you receive my letter and during your investigation, you 
cannot try to collect any amount I question or report me as 
delinquent for my failure to pay this amount. You can continue 
to send me a Statement for the amount I question, including 
any FINANCE CHARGES and you can apply any unpaid 
amount against my credit limit. I do not have to pay the amount 
in question while you are investigating but am still obligated to 
pay the portion(s) of my Statement that are not in question. 
If you find that you made an error, I will not have to pay any 
FINANCE CHARGE related to any questioned amount. If 
you did not make an error, I may have to pay applicable 
FINANCE CHARGES and I will have to make up any missed 
payments on the questioned amount. In either case, you will 
send me a Statement showing the amount I owe and the date 
that it is due. If I then fail to pay the amount that you think I 
owe, you may report me as delinquent. However, if your 
explanation does not satisfy me and I write to you within ten 
(10) days telling you that I refuse to pay, you must make 
everyone that you report to aware that I have questioned your 
Statement and you must tell me the name of anyone you 
report to. Further, you must notify anyone that you report to 
upon resolution of this matter. 
If you do not follow these rules, you cannot collect the first $50 
of the questioned amount, even if my Statement was correct. 

SPECIAL RULES FOR CARD PURCHASES 
If I have a problem with the quality of property or services 
purchased with my Credit Card, and I have tried in good faith 
to correct the problem with the merchant, I may have the right 
to not pay the remaining amount due on that property or service 
provided (a) I made the purchase in my home state or within 100 
miles of my current mailing address; and (b) the purchase was for 
more than $50. These limitations do not apply if you own or 
operate the merchant, or if you mailed the advertisement for the 
property or services. 

Effective August 2010 

(M718) 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
                                           
 
– Additional Federal Disclosure Table -  

Annual Percentage Rate (APR) for 
Purchases, Balance Transfers, and Cash 
Advances 

DCU Visa 

8.50% to 18.00% when you open your account, based on your creditworthiness. After that, your APR will 
vary with the market based on the Prime Rate.* 

DCU Rewards Visa 

11.25% to 18.00% when you open your account, based on your creditworthiness. After that, your APR will 
vary with the market based on the Prime Rate.* 

Penalty APR (Delinquency) and When it 
Applies 

18.00%  
This APR may be applied to your account if you make a late payment. 

How Long Will the Penalty APR Apply? 

If your APR is increased for this reason, the Penalty APR will apply until you make six consecutive payments (minimum or 
higher) when due, beginning with the first payment due following the effective date of the change. 

How to Avoid Paying Interest on Purchases  Your due date is approximately 25 days after the close of each billing cycle. We will not charge you interest on purchases 

if you pay your entire balance by the due date each month. 

Minimum Interest Charge 

None 

For Credit Card Tips from the Federal 
Reserve Board 

To learn more about factors to consider when applying for or using a credit card, visit the web site of the Federal Reserve 
Board at http://www.federalreserve.gov/creditcard. 

Fees 

Annual Fee 

Minimum Finance Charge 
  •  Balance Transfer 
  •  Cash Advance 
  •  Foreign Currency Transaction 

Penalty Fees 
  •  Late Payment 
  •  Overlimit 

None 

None 
None 
Conversion Fee: 2%. Conveyance in US Funds Fee (no conversion necessary) 0.80%. 

Up to $35.00 per occurrence 
None 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)". 

* The Prime Rate used to determine your APR is the Prime Rate as published in the Wall Street Journal at the end of the month immediately preceding the start of each 
billing cycle.The above information is current as of June 2011, and is subject to change after that date. Please contact us at any branch, by emailing us at 
dcu@dcu.org or by calling 508.263.6700 or 800.328.8797 if you wish to ascertain what changes, if any, have been made to the Credit Union's Visa credit card 
program since that date. (See also DCU’s Visa Credit Card Agreement and Federal Truth in Savings Disclosure Statement ). 

(M718a)  08/2011