�CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 A ll Rights Reserved 04207126-MXC30-P-1-111417 (MXC303-E)CONSUMER
CREDIT CARD
AGREEMENT
AND
DISCLOSURE
VISA PLATINUM/VISA SECURED PLATINUM
This Consumer Credit Card Agreement and Disclosure together with the Accou nt Opening Disclosure and any other
Account opening documents or any subsequent documents provided to You rel ated to this Account (hereinafter
collectively referred to as �Agreement�) govern the terms and conditions of this Account. �We,� �Us,� �Our� and �Ours� and
�Credit Union� refers to First Community Credit Union with which this Agre ement is made. �You,� �Your,� and �Yours�
refers to each applicant and co-applicant for the Account; any person resp onsible for paying the Account; and anyone You
authorize to use, access or service the Account. "Card" means the Visa �credit card and any other access devices,
duplicates, renewals, or substitutions, including convenience checks, the Credit Union issues to You. "Account" means
the line of credit established by this Agreement and includes Your Card.
SECURITY INTEREST
You grant the Credit Union a security interest under the Unif orm Commercial Code and under any common law rights
the Credit Union may have in any goods You purchase.
If You give the Credit Union a specific pledge of shares by si gning a separate pledge of shares, Your pledged shares
will secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account
until the Credit Union agrees to release all or part of th e pledged amount.
You grant Us a security interest in all individual and j oint share and/or deposit accounts You have with Us now
and in the future to secure Your credit card Account. Share s and deposits in an IRA or any other account that
would lose special tax treatment under state or federal la w if given as security are not subject to the security
interest You have given in Your shares and deposits. You may wi thdraw these other shares unless You are in
default. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due.
For example, if You have an unpaid credit card balance , You agr ee We may use funds in Your account(s) to pay
any or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any
periods when You are a covered borrower under the Mili tary Lend ing Act. For clarity, You will not be deemed a
covered borrower, and Your pledge will apply, if: (i) You  establi shed Your credit card Account when You were
not a covered borrower; or (ii) You cease to be a covered  borrow er.
Unless otherwise prohibited by federal and/or state law, coll ateral securing other loans You have with the Credit Union
may also secure this loan, except that a dwelling will never b e considered as security for this Account, notwithstanding
anything to the contrary in any other Agreement.
1. USING YOUR ACCOUNT � By using the Account or keeping the Card, You agree to the terms of this Agree ment.
You agree to use Your Account in accordance with this Agreement. Your Accou nt must only be used for lawful
transactions.
2. CREDIT LIMIT � We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You
exceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts
due to finance charges, fees or other charges. You may request a credit li mit increase on Your Account only by a method
acceptable to the Credit Union. We may increase or decrease Your credit lim it, refuse to make an advance and/or
terminate Your Account at any time for any reason permitted by law.
3. CONVENIENCE CHECKS � We may, from time to time, issue convenience checks to You that may be drawn o n
Your Account. Convenience checks may not be used to make a payment on Your Ac count. If You use a convenience
check, it will be posted to Your Account as a cash advance. We reserve the rig ht to refuse to pay a convenience check
drawn on Your Account for any reason and such refusal shall not constitute wro ngful dishonor. You may request that We
stop the payment of a convenience check drawn on Your Account. You agree to p ay any fee as identified in this
Agreement imposed to stop a payment on a convenience check issued on Your Ac count. You may make a stop payment
request orally, if permitted, or in writing. Your request must be made wit h sufficient time in advance of the presentment of
the check for payment to give Us a reasonable opportunity to act on Your re quest. In addition, Your request must Page 2 of 6
04207126-MXC30-P-1-111417 (MXC303-E)accurately describe the check including the exact Account number, the payee , any check number that may be applicable,
and the exact amount of the check. If permitted, You may make a stop payment r equest orally but such a request will
expire after 14 days unless You confirm Your request in writing within t hat time. Written stop payment orders are effective
only for six months and may be renewed for additional six month pe riods by requesting in writing that the stop payment
order be renewed. We are not required to notify You when a stop p ayment order expires.
If We re-credit Your Account after paying a check over a valid and timely sto p payment order, You agree to sign a
statement describing the dispute with the payee, to assign to Us all of Y ourrights against the payee or other holders of
the check and to assist Us in any legal action.
You agree to indemnify and hold Us harmless from all costs and expenses, inc luding attorney's fees, damages, or claims,
related to Our honoring Your stop payment request or in failing to sto p paym ent of an item as a result of incorrect
information provided to Us or the giving of inadequate time to act upo n a sto p payment request. Note: A convenience
check is not a check as that term is defined under the Uniform Commercial Code. It is an advance from Your credit card
Account with Us and Your stop payment rights are provided under t his Agreement with Us.
4. REPAYMENT � You promise to repay all amounts You owe under this Agreement. Your promise to repay includes
all transactions made to Your Account by You or anyone You authorize to use Y our Account as well as all interest
charges and fees.
For each billing period, You must pay at least the Minimum Payme nt Due by the Payment Due Date.
The Minimum Payment Due is 3.00% of Your total New Balance, or $18.00, whichever is greater, plus any amount past
due and any amount by which You have exceeded Your applicable credit li mit.If Your total New Balance is less than
$18.00, then Your Minimum Payment Due is the amount of the tot al New Balance.
You may pay more frequently, pay more than the Minimum Payment Due o r pay the total New Balance in full.
If You make extra or larger payments, You are still required to make at least the M inimum Payment Due each month Your
Account has a balance (other than a credit balance). The Credit Union may delay replenishing Your credit limit until the
date the payment is posted or the Credit Union confirms the p ayment has cleared.
Your payment of the required Minimum Payment Due may be applied to what Yo u owe the Credit Union in any manner
the Credit Union chooses, as permitted by applicable law. If You make a payment in excess of the required Minimum
Payment Due, the Credit Union will allocate the excess amount first to the balance with the highest annual percentage
rate (�APR�) and any remaining portion to the other balances in descending order based on applicable APR, unless
otherwise prescribed by applicable law. We may accept checks marked "paym ent in full" or with words of similar effect
without losing any of Our rights to collect the full balance  of Your Account with Us.
5. INTEREST AND FINANCE CHARGES � We will begin charging You interest on purchases on the date the
transaction is posted to Your Account. We will begin charging You intere st on cash advances and balance transfers on
the date of the transaction or the first day of the billing cycle in which thetransaction is posted to Your Account, whichever
is later (transaction date). However, We will not charge You any interest o n new purchases if Your Account had a zero or
credit balance at the beginning of that billing cycle, or You paid the entire new balance on the previous cycle's billing
statement by the Payment Due Date of that statement. To avoid an addit ional finance charge on the balance of
purchases, You must pay the entire new balance on the billing  statement by the Payment Due Date of that statement.
How We Calculate Your Balance:
Interest charges on Your Account are calculated separately for purchases , balance transfers and cash advances
(�Transaction Type�). We figure the interest charge for each Transaction Type b y applying the periodic rate to each
corresponding �average daily balance.� To get the �average daily balan ce� for a Transaction Type We take the beginning
balance for that Transaction Type each day, add any new transactions of t hat type, and subtract any unpaid interest or
other finance charges and any applicable payments or credits. This gi ves Us the daily balance for each Transaction Type.
Then, for each Transaction Type, We add up all the daily balances for the bil ling cycle and divide each total by the
number of days in the billing cycle. This gives Us the �average d aily balance� for each Transaction Type.
6. FEES � In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to Your
Account, the fee amounts and explanations are disclosed on the Account Op ening Disclosure accompanying this
Agreement.
7. FOREIGN TRANSACTIONS � Purchases and cash advances made in foreign currencies will be debited fro mY o u r
Account in U.S. dollars. The exchange rate between the transaction curren cy and the billing currency used for processing
international transactions is a rate selected by Visa from a range of rate s available in wholesale currency markets for the
applicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated
rate in effect for the applicable central processing date. The exchange ra te used on the processing date may differ from
the rate that would have been used on the purchase date o r cardholder statement posting date.
A fee (finance charge) will be charged on all transactions completed in a foreign currency. All fees are calculated based
on the transaction amount after it is converted to U.S. dollars. These fe esare charged except where excluded. The
Foreign Transaction Fee is set forth on the Disclosure accompanyin g this Agreement. Page 3 of 6
04207126-MXC30-P-1-111417 (MXC303-E)8. AUTHORIZATIONS � We do not guarantee authorization of a transaction, either by Us or b y a third party, even if
You have sufficient credit available. You agree that We will not be lia ble for failing to give an authorization. We also
reserve the right to limit the number of transactions that may be approved i n one day. We reserve the right to deny certain
transactions for any reason and at Our sole discretion, including for de fault, suspected fraudulent or unlawful activity,
internet gambling or any indication of increased risk related to the tra nsaction or the Account. You agree that We have no
requirement to notify You of the specific reason We denied a transaction. If We detect unusual or suspicious activity, We
may suspend Your credit privileges until We can verify the activi ty, or We may close the Account.
9. INFORMATION UPDATING SERVICE AND AUTHORIZATIONS � If You have authorized a merchant to bill charges
to Your Card on a recurring basis, it is Your responsibility to notify the merchant in the event Your Card is replaced, Your
Account information (such as Card number or expiration date) changes, or Y our Account is closed. However, if Your Card
is replaced or Your Account information changes, You authorize Us, withou t obligation on Our part, to provide the updated
Account information to the merchant in order to permit the merchant to bill recurring charges to Your Card. You authorize
Us to apply such recurring charges to Your Card until You notify Us that You have revoked authorization for the charges
to Your Card.
Your Card is automatically enrolled in an information updating service. Through this service, Your updated Account
information (such as Card number or expiration date) may be shared with pa rticipating merchants to facilitate continued
recurring charges. Updates are not guaranteed before Your next payment to a m erchant is due. You are responsible for
making direct payment until recurring charges resume. To revoke Your authorizati on allowing Us to provide updated
Account information to a merchant, please contact Us.
10. PREAUTHORIZED CHARGES � We may suspend preauthorized recurring charges with merchants if, for exa mple,
Your Card is lost or stolen, You default, or We change Your Account for any re ason. If preauthorized recurring charges
are suspended, You are responsible for making direct payment for such charg es until You contact the merchant to
reinstate recurring charges.
11. DEFAULT � You will be in default under this Agreement if You fail to pay the Mini mum Pay ment Due by its Payment
Due Date; pay by a check or similar instrument that is not honored or th at We m ust return because it cannot be
processed; pay by automatic debit that is returned unpaid; make any fa lse or misleading statements in any credit
application or credit update; file for bankruptcy; or die. You will al so be in default if You fail to comply with the terms of this
Agreement or any other Agreement You have with Us.
If You default, We may close Your Account and require You to pay any unp aid ba lance immediately, subject to applicable
law. In this Agreement and on Your Credit Card Application, You gave Us a security interest in all individual or joint share
and/or deposit accounts with the Credit Union and authorized Us, if Y ou def aulted, to apply the balance in these accounts
to any amounts due. You agree We may rely on Your agreement and authoriza tion to, upon Your default, apply any
balance to any amounts due on Your Account.
12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION �If You notice the loss or theft of
Your credit card or a possible unauthorized use of Your Card, You should wri te to Us immediately at PO Box 840129,
Houston, TX, 77284-0129 or call Us at 281-856-5300 or 800-456-3228 , seven days a week 24 hours a day.
You will not be liable for any unauthorized use that occurs after You n otify Us. You may, however, be liable for
unauthorized use that occurs before Your notice to Us. You will have no lia bility for unauthorized use unless You are
found to be fraudulent or negligent in the handling of Your Account or Card. In any case, Your liability for unauthorized
transactions will not exceed $50.
13. CHANGING OR TERMINATING YOUR ACCOUNT � As permitted by law, the Credit Union may change the terms
of this Agreement and any attached Disclosure from time to time. Notice of a ny change will be given in accordance with
applicable law. To the extent permitted by law, changes to the Agree ment ma y apply to Your existing account balance as
well as to future transactions.
Arizona, California, Idaho, Louisiana, New Mexico, Nevada, Te xas, Washi ngton, and Wisconsin Residents - Either
You, Your spouse or the Credit Union may terminate this Agreement at any ti me, but termination by You, Your spouse or
the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges You or Your
spouse owe under this Agreement. Your obligation to pay the account b alance plus any finance and other charges You
owe under this agreement are subject to all applicable laws and regul ations regarding repayment requirements. The Card
or Cards You receive remain the property of the Credit Union and You must re cover and surrender to the Credit Union all
Cards upon request or upon termination of this Agreement wheth er by You or the Credit Union.
Residents of all other states - Either You or the Credit Union may terminate this Agreement at any time, b uttermination
by You or the Credit Union will not affect Your obligation to pay th e account balance plus any finance and other charges
You owe under this Agreement. Your obligation to pay the account bal ance pl us any finance and other charges You owe
under this agreement are subject to all applicable laws and regulati ons regarding repayment requirements. The Card or
Cards You receive remain the property of the Credit Union and You must recov er and surrender to the Credit Union all
Cards upon request or upon termination of this Agreement wheth er by You or the Credit Union.
14. AUTHORIZED USERS � Upon Your request, We may issue additional Cards for authorized users th atYou
designate. You must notify Us in writing of any termination of an aut horized user's right to access Your Account. Your Page 4 of 6
04207126-MXC30-P-1-111417 (MXC303-E)notice must include the name of the authorized user and Your Account numb er and/or any subaccount number issued to
the authorized user along with the authorized user's Card and any conve nience or other access checks issued to the
authorized user. If You cannot return the authorized user's Card or access che cks and if You request Your Account to be
closed, We will close Your Account and You may apply for a new Account. Alt ernatively, We may, at Our sole discretion,
issue You a new Account number and a new Card.
15. CREDIT REPORTS AND NOTICE OF NEGATIVE INFORMATION � You authorize the Credit Union to obtain credit
reports and any other information We may need to verify Your identity a nd us e of the Account when opening Your
Account and for any update, increase, renewal, extension, collection or review of Your Account. You authorize the Credit
Union to disclose information regarding Your Account to credit bureaus and cre ditors who inquire about Your credit
standing. We may report information about Your Account to credit bureaus. L ate payments, missed payments, or other
defaults on Your Account may be reflected on Your credit report .
16. JOINT ACCOUNTS � If this is a joint Account, each of You will be individually and join tly responsible for paying all
amounts owed under this Agreement. This means that the Credit Union can require any one of You individually to repay
the entire amount owed under this Agreement. Each of You authorizes th e other(s) to make transactions on the Account
individually. Any one of You may terminate the Account and the t ermination will be effective as to all of You.
17. EFFECT OF AGREEMENT � This Agreement is the contract which applies to all transactions on Your Account even
though the sales, cash advances, credit or other slips You sign o r receive may contain different terms.
18. SEVERABILITY AND FINAL EXPRESSION � This Agreement is the final expression of the terms and conditions of
Your Account. This written Agreement may not be contradicted by evidence o f any alleged oral Agreement. Should any
part of this Agreement be found to be invalid or unenforceable, all ot her parts of this Agreement shall remain in effect and
fully enforceable to the fullest extent possible under this Agre ement.
19. ILLEGAL TRANSACTIONS PROHIBITED � You agree that You will not use Your Card for any transaction, including
any type of electronic gambling transaction through the Inte rnet, that is illegal under applicable federal, state, or local law .
Even if You use Your Card for an illegal transaction, You will be responsibl e for all amounts and charges incurred in
connection with the transaction. This paragraph shall not be interpret ed as permitting or authorizing any transaction that is
illegal.
20. APPLICABLE LAW � The terms and enforcement of this Agreement shall be governed by federal l aw and the law of
Texas.
21. ENFORCING THIS AGREEMENT � We can delay in enforcing or fail to enforce any of Our rights under t his
Agreement without losing them.
22. COLLECTION COSTS � If We refer collection of Your Account to a lawyer who is not Our salarie d emp loyee, You
are liable for any reasonable attorney�s fees We incur, plus the costs a nd expenses of any legal action, as further
disclosed on this Agreement, or to the extent allowed by law.
23. ASSIGNMENT � We may assign any or all of Our rights and obligations under th is Agreement to a third party.
24. CALIFORNIA RESIDENTS � A married applicant may apply for a separate Account. Applicants: 1) ma y, after credit
approval, use the credit card Account up to its credit limit; 2) may be liabl e for amounts extended under the plan to any
joint applicant. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record
may be submitted to a credit reporting agency if You fail to f ulfill the terms of Your credit obligations.
25. FLORIDA RESIDENTS � You (borrower) agree that, should We obtain a judgment against You, a portion of
Your disposable earnings may be attached or garnished (paid to Us by Your employer), as provided by Florida
and Federal law.
26. MARYLAND RESIDENTS � To the extent, if any, that Maryland law applies to Your Accou nt, We elect to offer Your
Card Account pursuant to Title 12, Subtitle 9 of the Maryland  Commercial Law Article.
27. MISSOURI RESIDENTS � Oral Agreements or commitments to loan money, extend credit or to forbear from
enforcing repayment of a debt including promises to extend or re new such de bt are not enforceable. To protect
You (borrower(s)) and Us (creditor) from misunderstanding or disa ppoint ment, any Agreements We reach
covering such matters are contained in this writing, which is the complete and exclusive statement of the
Agreement between Us, except as We may later agree in w riting to modify it.
28. NEW YORK RESIDENTS � We may obtain a credit report in connection with this Account, includin g for any review,
modification, renewal or collections associated with this Account. Upo nYour request, You will be informed whether such
report was requested and, if so, the name and address of the consumer report ing agency furnishing the report. New York
residents may contact the New York State Banking Department at 800.342. 3736 or www.dfs.ny.gov to obtain a
comparative listing of credit card rates, fees and grace period s.
29. OHIO RESIDENTS � The Ohio laws against discrimination require that all creditors make credi t equally available to
all creditworthy customers and that credit reporting agencies maintain se parate credit histories on each individual upon
request. The Ohio Civil Rights Commission administers compliance with this law. Page 5 of 6
04207126-MXC30-P-1-111417 (MXC303-E)30. SOUTH DAKOTA RESIDENTS � If You believe there have been any improprieties in making this loan or i n the
lender�s loan practices, You may contact the South Dakota Division of Bank ing at 1601 N. Harrison Ave, Suite 1, Pierre,
SD 57501, or by phone at 605.773.3421.
31. WISCONSIN RESIDENTS � If You are married, please contact Us immediately upon receipt of this Agre ement at the
address or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are
required to inform Your spouse that We have opened an Account f or You.
32. NOTICE TO UTAH BORROWERS � This written Agreement is a final expression of the Agreement between Yo u
and the Credit Union. This written Agreement may not be contradicted b y evidence of any oral Agreement. As required by
law, You are hereby notified that a negative credit report reflecting o n Yo ur credit record may be submitted to a credit
reporting agency if You fail to fulfill the terms of Your credi t obligations.
33. THE FOLLOWING IS REQUIRED BY VERMONT LAW � NOTICE TO CO-SIGNER � YOU R SIG NATURE ON
THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. I F THE BORROWER
DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. Page 6 of 6
04207126-MXC30-P-1-111417 (MXC303-E)Your Billing Rights: Keep this Document for Future Use
This notice tells You about Your rights and Our responsibilities u nder 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 th e address listed on Your statement.
In Your letter, give Us the following information:
-Account information:  Your name and Account number.
-Dollar amount:  The dollar amount of the suspected error.
-Description of problem: If You think there is an error on Your bill, describe what You believe is w rong and why You
believe it is a mistake.
You must contact Us:
- Within 60 days after the error appeared on Your statement.
- At least three business days before an automated payment is scheduled, i f You want to stop payment on the amount
You think is wrong.
You must notify Us of any potential errors in writing or electronically. You may call Us, but if You do We are not required
to investigate any potential errors and You may have to pay the  amount in question.
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 recei ved 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 co ntinue 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 h appen:
-If We made a mistake: You will not have to pay the amount in question or any interest or othe r 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 th ink You owe.
If You receive Our explanation but still believe Your bill is wrong, Yo u mus t write to Us within 10 days telling Us that You
still refuse to pay. If You do so, We cannot report You as delinquent wi thout also reporting that You are questioning Your
bill. We must tell You the name of anyone to whom We reported You as deli nquent, 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 Pur chases
If You are dissatisfied with the goods or services that You have purchased wi th 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 mile s of Your current mailing address, and the
purchase price must have been more than $50. (Note: Neither of these are nec essary if Your purchase was based on
an advertisement We mailed to You, or if We own the company that  sold You the goods or services.)
2. You must have used Your credit card for the purchase. Purchases made with cash advances from an ATM or with a
check that accesses Your credit card Account do not qualify.
3. You must not yet have fully paid for the purchase.
If all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing or electronically at
the address listed on Your statement.
While We investigate, the same rules apply to the disputed amount a s discus sed above. After We finish Our investigation,
We will tell You Our decision. At that point, if We think You owe an amo unt and You do not pay, We may report You as
delinquent.