OREGON COMMUNITY CREDIT UNION VISA 
CREDIT CARD ACCOUNT AGREEMENT 

This Visa® Credit Card Account Agreement (“Agreement”) and the Account Disclosures (“Account Disclosure”) given to you 
when  you  opened  your  Card  account  (“Account”)  will  govern  your  Visa  Credit  Card  and  Account  issued  by  Oregon 
Community  Credit  Union  (“Credit  Union”).  In  this  Agreement,  the  words  “you,”  “your,”  “yours,”  “applicant,”  and  “Borrower” 
mean  any  person  who  signs  the  application  for  this  Account,  any  joint  obligor,  guarantor,  authorized  user,  or  the  person 
whose  name  is  embossed  on  the  Card.  The  words  “we,”  “us,”  “our,”  and  “Credit  Union”  mean  Oregon  Community  Credit 
Union. The word “Card” means any one or more credit cards issued under this Account. If you sign an application for this 
Account or sign or use any Card or PIN, or allow others to use the Card or PIN, you and they will have accepted this 
Agreement just as if you and they signed it, and you and they, jointly and severally, will be bound by the following 
terms and conditions which will govern this Account. 

1. YOU PROMISE TO PAY. You promise to pay us all amounts, plus any Interest Charges, which arise from use of the Card 
or Account by you or any other person, and to be jointly and severally liable with such a person, unless such other person 
does not have actual, implied, or apparent authority for such use, and you received no benefit from the use. You promise to 
pay us either by direct payment or by automatic transfers from shares. 

2. ACCOUNT ACCESS. 

a. Purchases,  Cash  Advances,  and  Balance  Transfers.  You must sign the Card to  use it. Once  you  have  signed the 
Card, you can use it to buy or lease goods, services, or insurance wherever the Card is honored, up to the full amount of 
your Credit Line. You may use your Account to get cash advances from us. You may also use your Card to get a cash 
advance from participating financial institutions and to access your line of credit at automatic teller machines  (“ATMs”) 
within the VISA network or any other ATMs. 

b. VISA  Convenience  Checks.  If we approve,  you may obtain advances under your Account by writing preprinted VISA 
convenience  loan  checks  that  we  supply  to  you.  Your  use  of  loan  checks  will  be  shown  either  as  a  purchase,  cash 
advance, or balance transfer on your monthly statement. We may not honor your loan check if: your check is post-dated; 
payment  of  the  check  would  exceed  your  Credit  Line;  a  check  is  signed  by  a  person  without  authorized  access;  the 
amount of the check is less than the minimum required amount; your Account has been terminated or suspended, or any 
drafts  have  been  reported  lost  or  stolen.  You  may  stop  payment  on  a  loan  check  if  you  provide  us  with  the  exact 
information  describing  the  check.  If  you  give  us  incorrect  information,  we  will  not  be  responsible  for  failing  to  stop 
payment.  You  understand  there  may  be  a  charge  for  each  stop  payment  order  requested.  Our  liability  for  a  wrongful 
dishonor is limited to your actual charges; however, a dishonor for the reasons stated above is not a wrongful dishonor. 
Only the person whose name is printed on a convenience check may sign it. All convenience checks must be written in 
U.S. dollars. We will not certify a convenience check.  You may write these checks for any amount providing  your total 
outstanding balance does not exceed your available Credit Line and your credit card remains in good standing. We are 
entitled to return it unpaid if there is not enough available credit on your Account to pay it, if you are in default under this 
Agreement, if your card or convenience checks have been reported lost or stolen, or if the convenience check is post-
dated. A VISA convenience check may not be used to make a payment on your VISA credit card account or any other 
loan account you have with us. The Credit Union shall have no liability for any convenience check returned in excess of 
your Credit Line. 

3.  CREDIT LINE. If we approve your application, this Agreement will constitute a revolving line of credit for an amount which 
will be the Credit Line under  your Account. We will advise  you of the amount of  your Credit Line. That amount  will be the 
maximum  amount  you  may  have  outstanding  at  any  one  time.  You  agree  not  to  attempt  to  obtain  more  credit  than  the 
amount  of  your  Credit  Line.  However,  if  you  temporarily  exceed  your  Credit  Line,  you  agree  to  repay  the  excess 
immediately, even if we have not yet billed you. Obtaining such credit does not increase your Credit Line. We retain the right 
to  increase  or  decrease  your  Credit  Line  at  any  time.  Any  increase  or  reduction  in  the  amount  of  your  Credit  Line  will  be 
shown  on  your  monthly  statement  or  by  separate  notice  together  with  any  changes  in  the  applicable  Minimum  Monthly 
Payments. Your eligibility for this Credit Line is determined by our loan policy and may be terminated at our sole discretion, 
without demand or notice. You may close your Credit Line at any time by notifying us in writing and returning all Cards cut in 
half. If you terminate this Agreement or if we terminate or suspend your credit privileges, the provisions of this Agreement 
and your liability hereunder shall otherwise remain in full force and effect until you have paid us all sums due us under this 
Agreement and returned all Cards. 
4.  MINIMUM MONTHLY  PAYMENT. We will mail you a statement every month if your Account has a balance. You agree 
that you will pay each month not less than the minimum monthly payment on or before the payment due date. The minimum 
monthly  payment  will  be  the  largest  of:  (a)  $30,  or  (b)  3.0%  of  your  outstanding  balance  shown  on  your  statement  (“New 
Balance”),  or  (c)  1.0%  of  the  New  Balance  plus  (i)  any  unpaid  Interest  Charges  and  (ii)  any  unpaid  fees  or  other  finance 
charges.  If  your  outstanding  balance  is  less  than  $30,  you  agree  to  pay  the  balance  in  full.  In  addition  to  the  minimum 
monthly payment, you agree to pay any “Over limit Amount” and any amount past due shown on your statement each month 
by the due date shown on your Statement. You may pay in full for all your purchases and cash advances each month, or you 
may  repay  in  monthly  installments. We  can  accept  late  payments  or  partial  payments,  or  checks,  drafts, or money  orders 
marked “payment in full” without prejudice to our rights under this Agreement, which are hereby explicitly reserved. A credit 
posting from a merchant or reversal of fees does not constitute a minimum payment. The minimum monthly payment may be 

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allocated  at  the  Credit  Union’s  discretion  to  pay  off  lower  rate  balances,  such  as  promotional  offers,  before  higher  rate 
balances, such as cash advances or purchases. Payments in excess of the minimum monthly payment will be allocated first 
to higher rate balances, as applicable. From time to time, we may allow you to skip your minimum monthly payment due. If 
you  choose  to  skip  that  payment,  Interest  Charges  will  continue  to  accrue  in  accordance  with  this  Agreement.  Payments 
received  at:  Oregon  Community  Credit  Union,  Attn:  Card  Services,  P.O.  Box  84063,  Columbus,  GA  31908-4063,  on  or 
before 5:00 PM Pacific Time on any business day will be credited to your Account as of that date; payments received by mail 
at that address after 5:00 PM Pacific Time or on a weekend will be posted to your Account as of the next business day. 
5.  SECURITY  INTEREST.  By  signing  your  application,  to  secure  your  Account,  you  grant  us  a  purchase  money  security 
interest under the Oregon Uniform Commercial Code in any goods  you purchase through  your Account. If you default, we 
will  have  the  right  to  recover  any  of  these  goods  that  have  not  been  paid  for  through  application  of  your  payments  in  the 
manner  described  in  Section  4.  In  addition,  you  grant  us  a  security  interest  in  all  your  shares  and  deposits,  present  and 
future, and all accounts (except Individual Retirement Accounts and Keogh Accounts) with the Credit Union to secure your 
Account  and  agree,  upon  default,  the  Credit  Union  may  apply  all  that  is  secured  to  pay  any  amounts  due  under  this 
Agreement, without further notice to you. You further agree that collateral securing other loans with the Credit Union (except 
loans secured by real property) also secures this Account. 
6.  PERIODIC STATEMENTS. Each month, if your outstanding balance exceeds $1, we will send you a statement showing 
new  purchases,  cash  advances,  payments,  and  credits  made  to  your  Account  during  the  billing  period,  your  Previous 
Balance,  your  “Total  New  Balance,”  any  Interest  Charge,  and  any  other  charges.  Your  statement  also  will  identify  the 
remaining Credit Line available and the Minimum Monthly Payment you must make for that billing period and the date it is 
due. For statement verification purposes, you agree to retain copies of transaction slips resulting from each purchase, each 
advance, and other transaction on your Account. Unless you notify us of a billing error as described below, you accept your 
monthly statement as an accurate statement of your Account with us. 
7.  VISA TRANSACTION ALERTS. If you are eligible, you may enroll in the Visa Purchase Alerts service by signing up at a 
Visa website. Your use of the Visa Purchase Alerts service will be governed by any terms and conditions provided by Visa at 
the time of your enrollment. 
8.  CIRCUMSTANCES  UNDER  WHICH  AN  INTEREST  CHARGE  WILL  BE  IMPOSED.  The  total  outstanding  balance  of 
purchases,  balance  transfers,  and  cash  advances  in  the  Account  on  the  closing  date  of  a  billing  period,  including  any 
Interest Charge, will be shown on the Periodic Statement for that billing period as the “New Balance.” 

a. Cash  Advances  and  Balance  Transfers.  We  begin  charging  an  Interest  Charge  on  cash  advances  and  balance 
transfers  from  the  date  of  each  transaction.  There  is  no  time  period  within  which  to  pay  to  avoid  a  periodic  Interest 
Charge on cash advances or balance transfers. 

b. Purchases. Your due date is at least 25 days after the close of each billing period. An Interest Charge will be imposed   
on the portion of purchases included in the New Balance that is not paid by the due date. This “grace period” allows you 
to avoid an Interest Charge on purchases for a billing period. However, if you do not pay the New Balance for purchases 
within the grace period,  your Interest Charge will accrue on any unpaid purchase transactions from the first day of the 
billing period in which the payment is due. 

9.  METHOD USED TO DETERMINE THE BALANCE ON WHICH THE INTEREST CHARGE MAY BE COMPUTED AND 
AMOUNT  OF  INTEREST  CHARGE.  The  Credit  Union  figures  the  Interest  Charge  on  your  Account  by  multiplying  the 
“Average  Daily  Balance”  of  purchases,  balance  transfers,  and  cash  advances  for  your  Account  (including  current 
transactions) by the Daily Periodic Rate, and then we multiply the result by the number of days in the billing period. To get 
the  “Average  Daily  Balance”  we  take  the  beginning  balance  of  your  Account  each  day,  add  any  new  purchases  or  cash 
advances, and subtract any payments or credits, unpaid Interest Charge and unpaid fees. This gives us the daily balance. Then, we add up all the 
daily balances for the billing period and divide the total by the number of days in the billing period. This gives us the “Average Daily Balance.” To get the “Daily 
Periodic Rate,” we divide the Annual Percentage Rate in effect for the billing period by 365. 

10. PERIODIC RATE AND CORRESPONDING ANNUAL PERCENTAGE RATE. 

a.  Standard Rates. The Periodic Rate and corresponding Annual  Percentage Rate(s) used to compute the Interest Charge are variable and based on 
the value of an index. The index in effect for each billing period shall be the highest “Prime Rate” of interest appearing in The Wall Street Journal 
published on the last business day of the month preceding the first day of such billing period or, if The Wall Street Journal is not published on 
such date, the next day on with such Prime Rate is published. To determine the Annual Percentage Rate, we add a margin to the index. The amount 
of the margin depends on the type of account, your credit profile, and other factors we deem appropriate. The margin applicable to your account is 
provided to you in your Account Disclosure. The Annual Percentage Rate is divided by 365 to obtain the Periodic Rate. The rate can change 
monthly effective the first day of the billing cycle. Any increase or  decrease in  the  Annual  Percentage  Rate  will affect the number of  monthly 
payments you may have to make. If the Wall Street Journal ceases publication or ceases to publish the Prime Rate, we reserve the right to use the 
Prime Rate published in any other newspaper of general circulation, or we may substitute a similar reference at our sole discretion. 

b.  Introductory Rates. At our discretion, we may offer you an introductory or promotional Annual Percentage Rate for your Account. Any 
introductory or promotional Annual Percentage Rate will be subject to the terms of the offer and this Agreement. We will provide you with information 
on the offer, including the  time period  the introductory or promotional Annual Percentage Rate is in effect  in the Account Disclosure or in other 
materials that we send to you about the offer after you receive your Credit Card. 

c.  Military  Lending  Act.  Federal  law  provides  important  protections  to  members  of  the  armed  forces  and  their  dependents  relating  to 
extensions of consumer credit. In general, the cost of consumer credit to a member of the armed forces or their dependents may not exceed an 
annual percentage rate of 36%. This rate must include, as applicable to the particular credit transaction or account, the costs associated with credit 
insurance  premiums,  fees  for  ancillary  products  sold  in  connection  with  the  credit  transaction,  any application fee charged (other than certain 

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application fees for specified credit transactions or accounts), and any participation fee charged (other than certain participation fees for a credit card 
account). If you would like to hear more about your rights under the Military Lending Act, please contact us at 844.333.6247. 

11. CONDITIONS UNDER WHICH OTHER CHARGES MAY BE IMPOSED. 
You agree to pay the following fees and charges on your Account. 

a. Late Fee. If we do not receive your minimum payment on the due date, you agree to pay a late fee up to $25. 
b. Copying Fee. We may charge you $10 for each VISA draft copy you request for your Account. If the request relates to a billing error and we 
determine that a billing error was made, any photocopying charges will be refunded. 
c. Returned Item Fee. If any check or draft we receive from you as payment for any amount you owe to us is returned to us unpaid, you agree 
to pay a returned item fee of up to $25. 
d.  ATM Fee. If you use an ATM to obtain a cash advance and the ATM is not operated by us, you may be charged an ATM surcharge by 
the ATM operator or an ATM network utilized for such  a transaction. The ATM surcharge may be charged to your Account  if  you  complete  the 
transaction. 
e. Cash Advance Fee. When you obtain a cash advance, you agree to pay a cash advance fee of either $10 or 3% of the amount of each cash 
advance, whichever is greater, for each cash advance obtained. This cash advance fee is in addition to any ATM Fees that may apply. 
f.  Balance Transfer Fee. When you obtain a balance transfer, you agree to pay a balance transfer fee of either $10 or 3% of the amount of 
each balance transfer amount, whichever is greater. 
g.  Rush Card Fee. When you request that we send you a new or replacement Card on an expedited basis, you agree to pay a rush card fee of 
$30. 
h. Attorney’s Fees and Costs. If you default on any part of this Agreement, you agree to pay us all costs to collect your Account, including 
court costs and reasonable attorney fees whether or not there is a lawsuit, and fees on any appeal and fees for bankruptcy proceedings, appeals, and 
any post-judgment collection services, if applicable. These fees and costs may be added to your Account balance and will bear interest at the Annual 
Percentage Rate in effect at that time. 

12. CONDITIONS OF CARD USE. The use of your Card and Account are subject to the following conditions: 

a. Use. Your Card and Account may be used only for valid and lawful purposes. You may not use your Card (i) to make Purchases or obtain Cash 
Advances for any illegal transaction, or (ii) for any internet or online gambling transactions. If you use your Card for any illegal or prohibited transaction, 
this Agreement also applies to such transaction and you agree to pay any and all amounts related to such transaction pursuant to the terms of this 
Agreement. We may, at our sole discretion and without warning, restrict the use of or terminate your Card if we notice excessive use of your Card or 
other suspicious activities or if we reasonably believe the Card is or has been used for one or more illegal or prohibited transactions. 
b. Ownership of Cards. Any Card or other credit instrument or device which we supply to you is our property and must be returned to us, or to 
any person whom we authorize to act as our agent, or to any person who is authorized to honor the Card, immediately according to instructions. The 
Card may be repossessed at any time in our sole discretion without demand or notice.  You cannot transfer your Card or Account to another 
person. 
c. Honoring the Card. We may decline to honor any transaction for any reason. Neither we nor merchants authorized to honor the Card will be 
responsible for the failure or refusal to honor the Card or any other credit instrument or device we supply to you. If a merchant agrees to give you a 
refund or adjustment, you agree to accept a credit to your Account in lieu of a cash refund. 
d. Currency Conversion/International Transaction Fee. Purchases and cash advances made in foreign countries will be billed to you. 
in U.S. dollars. The currency conversion rate for international transactions as established by VISA International, Inc. 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. 
e. Notices  and  Payments.  All notices will be sent  to your address as shown in the application. You  agree to advise us 
promptly if you change your  mailing  address.  All payments  should be  mailed to  us at the  remittance  address shown on 
your  monthly  statements.  Payments  received  at  that  address  will  be  credited  to  your  Account  as  of  the  date  received. 
Written notices and inquiries to us must be sent to: 

Oregon Community Credit Union Attn: Card Services 
P.O. Box 84063 
Columbus, GA 31908-4063 
855-755-6423 

f. Personal  Identification  Number.  If  we  issue  you  a  Personal  Identification  Number  (“PIN”)  for  use  with  your  Card  in 
accessing your line of credit at ATMs, these numbers are issued to you for your security purposes. These numbers are 
confidential and should not be disclosed to third parties. You are responsible for safekeeping your PIN. You agree not to 
disclose or otherwise  make available your PIN to anyone not authorized to sign on your Account. To keep your Account 
secure, please do not write your PIN on your Card or keep it in the same place as your Card. 

13.  LOAN PROTECTION. Loan Protection coverage is not required for any extension of credit under this Agreement. 
However,  you  may  purchase  any  loan  protection  available  through  us  and  have  the  monthly  fee  added  to  your  outstanding 
balance as purchases. If you elect to do so, we will give you the necessary disclosures and documents separately. 
14. DEFAULT. You will be in default under this Agreement if any of the following occur: (a) Any Minimum Monthly Payment is 
not made when due; (b) You become insolvent, bankrupt, or you die; (c) You violate any part of this Agreement, or any other 
agreement  with  us;  or  (d)  If  we  reasonably  deem  ourselves  insecure  with  respect  to  your  Account.  Upon  default,  we  may 
declare the entire unpaid balance immediately due and payable, and you agree to pay that amount plus any attorney’s fees 
and costs we incur, including fees and costs in any appeal or bankruptcy proceeding. We can delay enforcing any right under 

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this Agreement without losing that right or any other right. We will notify you in writing of any such action as soon as practical 
if it occurs. 
15. SUSPENSION  OF  EFT  ACCESS  OR  SERVICE.  If  you  are  in  breach  of  this  Agreement  or  any  other  loan,  account,  or 
service agreement with the Credit Union or we suspect fraudulent activity on your account, the Credit Union may without prior 
notice restrict access to your accounts or suspend your electronic services or access devices, including  ATM  or debit cards 
and  online  or  mobile  banking  services.  Such  restrictions  may  continue  until  you  cure  any  breach  condition  or  any  fraud 
condition is resolved. 
16. GOVERNING  LAW.  This Agreement will not take effect until it is approved by us. This Agreement shall be governed by 
the laws of the State of Oregon. 
17. SEVERABILITY.  If  any  provision  of  this  Agreement  is  held  invalid,  the  remaining  provisions  that  are  severable  shall 
remain in effect. 
18. LOSS  OR  THEFT  OF  CARD.  You  agree  to  notify  us  immediately  of  the  loss,  or  the  theft,  or  the  use  without  your 
permission, of any Card or other credit instrument or device which we supply to you. You may be liable for the unauthorized 
use of your card. You will not be liable for unauthorized use which occurs after you notify: Oregon Community Credit Union, 
Attn:  Card  Services,  P.O.  Box  84032,  Columbus,  GA  31908-4032,  Telephone:  855-755-6423,  orally  or  in  writing  of  loss, 
theft, or possible unauthorized use. In any case, your liability shall not exceed $50. 
19. CREDIT  INFORMATION/FINANCIAL  STATEMENTS.  You  authorize  us  to  release  information  to  others  (e.g.,  credit 
bureaus,  merchants,  and  other  financial  institutions)  regarding  the  status  and  history  of  your  Credit  Line.  You  agree  to 
provide  us,  at  any  time  we  deem  necessary,  with  a  current  financial  statement  and/or  updated  credit  information  upon 
request. We may investigate your credit directly or through a credit reporting agency. 
20. AMENDMENTS.  We reserve the right to change any terms or  conditions of this Agreement at any  time, to the extent 
permitted by applicable law. We will notify you of the changes to this Agreement as required by law. 
21. BILLING ERRORS NOTICE, YOUR CREDIT CARD 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: Oregon 
Community  Credit  Union,  Attn:  Card  Services,  P.O.  Box  84032,  Columbus,  GA  31908-  4032.  In  your  letter,  give  us  the 
following information: 

•  Account information: Your name and account number. 
•  Dollar amount: The dollar amount of the suspected error. 
•  Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe 

it is a mistake. 

You must contact us: 

•  Within 60 days after the error appeared on your statement. 
•  At least 3 business days before an automated payment is scheduled, if  you  want to stop payment on the amount  you 

think is wrong. 

You must notify us of any potential errors in writing. You may call us, but if you do, we are not required to investigate any 
potential errors and you may have to pay the amount in question. 

What Will Happen After We Receive Your Letter. When we receive your letter, we must do two things: 

1.  Within  30  days  of  receiving  your  letter,  we  must  tell  you  that  we  received  your  letter. We  will  also  tell  you  if  we  have 

already corrected the error. 

2.  Within  90  days  of  receiving  your  letter,  we  must  either  correct  the  error  or  explain  to  you  why  we  believe  the  bill  is 

correct. 

While we investigate whether or not there has been an error: 

•  We cannot try to collect the amount in question or report you as delinquent on that amount. 
•  The charge in question may remain on your statement, and we may continue to charge you interest on that amount. 
•  While you do not have to pay the amount in question, you are responsible for the remainder of your balance. 
•  We can apply any unpaid amount against your credit limit.  

After we finish our investigation, one of two things will happen: 

•  If  we  made  a  mistake:  You  will  not  have  to  pay  the  amount  in  question  or  any  interest  or  other  fees  related  to  that 

amount. 

•  If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and 
fees. We will send  you  a statement of the amount  you owe and the date payment is due. We may then report  you as 
delinquent if you do not pay the amount we think you owe. 

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still 
refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We 

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must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when 
the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the 
amount you question even if your bill is correct. 

Your Rights If You Are Dissatisfied with Your Credit Card Purchases. If you are dissatisfied with the goods or services that 
you have  purchased  with  your credit card, and  you have tried in good faith to correct the  problem with the merchant,  you 
may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 
1.  The  purchase must  have  been  made  in  your  home  state  or  within  100  miles  of your  current  mailing  address,  and  the 
purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an 
advertisement we mailed to you, or if we own the company that sold you the goods or services.) 

2.  You  must  have  used  your  credit  card  for  the  purchase.  Purchases  made  with  cash  advances  from  an  ATM  or  with  a 

check that accesses your credit card account do not qualify. 

3.  You must not yet have fully paid for the purchase. 

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the above address. 
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. 
22.  ACKNOWLEDGMENT.  You  understand  and  agree  to  the  terms  and  conditions  in  this  Agreement  and  the  Fair  Credit 
Billing  Notice.  You  acknowledge  that  you  have  received  a  copy  of  this  Agreement,  the  Account  Disclosure,  and  the  Fair 
Credit Billing Notice. This Agreement is a final expression of the agreement between you and the Credit Union. 

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