CREDIT CARD AGREEMENT 

In this Agreement, "You" and "your" mean any person who accepts this Agreement or uses the Card. The "Card" means any credit card issued to you or  those 
designated by you under the terms of this Agreement. "We", "us", "our" and the "Credit Union" means Commonwealth Credit Union or its successors. By using 
your card, you agree to all of the terms and conditions set forth herein. 

THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR 
THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT. 

YOU    SPECIFICALLY   GRANT    US    A    CONSENSUAL    SECURITY 
INTEREST  IN  ALL  INDIVIDUAL  AND  JOINT  ACCOUNTS  YOU  HAVE 
WITH  US  NOW  AND  IN  THE  FUTURE  TO  SECURE  REPAYMENT OF 
CREDIT  EXTENDED  UNDER  THIS  AGREEMENT. YOU  ALSO  AGREE 
THAT WE  HAVE SIMILAR  STATUTORY LIEN  RIGHTS  UNDER  STATE 
AND/OR  FEDERAL  LAW. IF  YOU  ARE  IN  DEFAULT, WE  CAN  APPLY 
YOUR SHARES TO THE AMOUNT YOU OWE. 

Shares  and  deposits  in  an  Individual  Retirement  Account  or  any  other 
account that would lose special tax treatment under state or federal law if 
given are not subject to this security interest. 

If  you  have  other  loans  with  us,  collateral  securing  such  loans  will  also 
secure your obligations under this Agreement,  unless that  other collateral 
is your principal residence or non-purchase money household goods. 

Using  Your Card. You  can  purchase  or  lease  goods  and  services  from  any 
merchant  who  honors  your  Card,  and  you  may  obtain  cash  advances  from 
financial  institutions  and  ATM  machines  that  accept  the  Card,  up  to  your 
maximum  credit  limit.  You agree  not  to  present  your  Card  or  obtain  a  cash 
advance  for  any  extension  of  credit  in  excess  of  your  available  credit  limit; 
however,  if  you  do  exceed  your  credit  limit,  you  agree  to  make  immediate 
payment sufficient to bring the balance below the credit limit. Certain purchases 
and cash advances require authorization prior to completion of the transaction. 
In some cases, you may be asked to provide identification. If our system  is  not 
working,  we  may  not  be  able  to  authorize  a  transaction,  even though you 
have sufficient credit available. Also, for security reasons, we  may block  the 
use  of  your  Card  in  certain  countries  or  geographic  areas.  We  will have no 
liability to you or others if any of these events occur. 

Personal Identification Number (PIN). We may issue a Personal Identification 
Number  (PIN)  for  use  with  your  Card.  This  PIN  is  confidential and should 
not be disclosed to anyone. You may use your PIN and your  Card to access 
your account, and all sums advanced will be added to your  account balance. 
In  the  event  a  use  of  your  PIN  constitutes  an  Electronic  Funds  Transfer,  the 
terms and conditions of your Electronic Funds  Transfer Agreement may affect 
your rights. 

Promise To Pay. You promise to pay us in U.S. dollars for (a) all  purchases, 
cash  advances,  and  balance  transfers  made  by  you  or  anyone  whom  you 
authorize  to  use  the  Card;  (b)  all  Interest  Charges  and  all  other  charges  or 
fees;  (c)  collection  costs  and  attorney's  fees  as  permitted  by  applicable  law, 
and any costs incurred in the recovery of the Card; and (d) credit in excess  of 
your credit limit that we may extend to you. 

Illegal Transactions. You agree that your Card and account will not be used 
to make or facilitate any illegal transactions as determined by applicable  law; 
and that any such use will constitute an event of default under this Agreement. 
We may decline any transaction that we believe to be illegal under  applicable 
law,  including  but  not  limited  to  any  transaction  involving  or  relating  to  any 
gambling activity. You agree that we will have no liability or responsibility  for 
any  such  use  by  you  or  any  authorized  user(s);  or  for  declining  any  such 
transaction.  You further  agree  to  indemnify  and  hold  us  harmless  from  any 
suits,  liability, damages  or  adverse  action  of  any  kind  that  results  directly  or 
indirectly  from  such  illegal  use.  You promise  to  pay  us  any  and  all  amounts 
owing on your Card for any transactions made by you, even if the transaction 
is determined to be illegal. 

Joint Accounts. Each of you will be responsible, jointly and severally, for  the 
repayment of amounts owed, regardless of who initiated any  transaction under 
the account. 

Others Using Your Account. If you allow anyone else to use your  account, 
you will be liable for all credit extended to such persons. You promise to pay for 
all  purchases  and  advances  made  by  anyone  you  authorize  to  use  your 
account, whether or not you notify us that he or she will be using  it.  If someone 
else  is  authorized  to  use  your  account  and  you  want  to  end  that person's 
privilege, you must notify us in writing, and if he or she has a Card, you must 
return that Card with your written notice for it to be effective. 

Ownership  of  Card. Your  Card  remains  our  property  and  may  be  cancelled 
by  us  at  any  time  without  notice.  You agree  to  surrender  your  Card  and  to 
discontinue use of the account immediately upon our request. 

Interest Charges. You agree to pay interest at the rate(s) disclosed to you  at 
the time you open your account and as may be changed from time to time in 
accordance with applicable law. 

Average Daily Balance including new transactions: Interest Charges will accrue 
on  your  average  daily  balance  outstanding  during  the  month.  To  get  the 
average daily balance, we take the beginning balance each day, add any new 
purchases,  cash  advances,  balance  transfers  or  other  advances,  and 
subtract  any  payments,  unpaid  interest  charges,  and  unpaid  late  charges. 
This gives us the daily balance. Then, we add up all the daily balances for  the 
billing cycle and divide that by the number of days in the billing cycle. We  then 
multiply that by the periodic rate corresponding to  the Annual Percentage Rate 
on your account. If you have different rates for purchases,  cash advances or 
balance transfers, separate average daily balances for each  will be calculated 
and the appropriate periodic rate is then applied to each. 

Grace  Period  on  Purchases  Only:  You  can  avoid  Interest  Charges  on 
purchases  by  paying  the  full  amount  of  the  new  balance  for  purchases  each 
month by the date on which the payment is due. Otherwise, the new  balance 
of  your account,  and  subsequent  advances  from  the date they  are  posted  to 
the  account,  will  be  subject  to  an  Interest  Charge. You cannot  avoid  Interest 
Charges on cash advances and balance transfers; even if you pay the  entire 
cash advance balance or balance transfer balance by the payment due  date, 
you will incur the Interest Charges accrued from the date the cash advance  or 
balance transfer is posted to your account. 

Fees. In  addition  to  the  Interest  Charges  set  forth  above,  you  agree  to  also 
pay  any  and  all  fees  that  you  incur  as  disclosed  to  you  on  your  Truth-in- 
Lending  Statement  or  similar  disclosures  (as  may  be  amended  from  time  to 
time), or as disclosed to you during the term of your Card. 

If  Your  Card  is  Lost  or  Stolen  or  if  an  Unauthorized  Use  Occurs. You 
agree  to  notify  us  immediately  if  your  Card  is  ever  lost  or  stolen  or  if  an 
unauthorized  use  may  have  occurred.  "Unauthorized  use"  means  the  use  of 
the  Card  by  someone  other  than  you  who  does  not  have  actual,  implied  or 
apparent  authority  for  such  use,  and  from  which  you  receive  no  benefit. The 
telephone number to call is (502) 564-4775 or (800) 228-6420. You agree  to 
follow up your call with notice in writing to us at: P.O. Box 978, Frankfort,  KY 
40602-0978.  You  also  agree 
facts, 
circumstances  and  other  pertinent  information  relating  to  any  loss,  theft  or 
possible unauthorized use of your Card and comply with such procedures  as 
we may require in connection with our investigation. You will be liable for  any 
unauthorized use only if we can prove that you were grossly negligent in  your 
use  or  handling  of  your  Card,  or  if  we  can  prove  that  you  used  your  Card 
fraudulently. 

in  determining 

to  assist  us 

the 

Minimum Payment Due; Crediting of Payments. Payments are due in  the 
amount and on the date disclosed on your billing statement. If your payment 
is received by us on a business day at the address and by the  time designated 
on  the  billing  statement,  it  will  be  credited  to  your  account  on  the  date  of 
receipt.  If  payment  is  made  at  any  location  other  than  the  address 
designated on the periodic statement, credit for such payment may  be delayed 
up to five (5) days. Payments will be applied in any order  we determine, subject 
to applicable law. 

9011 LASER SYM FPDF FI14712 Rev 9-2015 

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COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
In this Agreement, "You" and "your" mean any person who accepts this Agreement or uses the Card. The "Card" means any credit card issued to you or  those 
designated by you under the terms of this Agreement. "We", "us", "our" and the "Credit Union" means Commonwealth Credit Union or its successors. By using 
your card, you agree to the terms and conditions set forth herein. 

Late  or  Partial  Payments. Any payment  that  delays  the  reduction  of  your 
balance will increase your total interest costs. Partial payments or prepayments 
will  not  delay  your  next  scheduled  payment  -  you  will  still  need to make the 
minimum  scheduled  payment  by  the  next  scheduled  due  date  to  keep  your 
account current. We may accept late payments, partial  payments, checks  or 
money  orders  marked  "payment  in  full"  and  such  action  shall  not constitute 
final  settlement  of  your  account  or  a  waiver  or  forgiveness  of  any amounts 
owing under this Agreement. 

Enforcement. We do not lose our rights under this or any related   agreement 
if we delay enforcing them. If any provision of this or any related agreement  is 
determined  to  be  unenforceable  or  invalid,  all  other  provisions  remain  in  full 
force and effect. 

Returns and Adjustments. Merchants and others who honor the Card  may 
give  credit  for  returns  or  adjustments,  and  they  will  do  so  by  submitting  a 
credit slip which will be posted to your account. If your credits and payments 
exceed what you owe us, the amount will be applied against future  purchases 
and  cash  advances.  If  the  credit  balance  amount  is  $1  or  more,  it  will  be 
refunded upon your written or verbal request. 

Plan Merchant Disputes. We are not responsible for the refusal of any  plan 
merchant  or  financial  institution  to  honor  your  Card.  Also,  we  are  not 
responsible for goods or services that you purchase with the Card unless:  (a) 
your  purchase  was  made  in  response  to  an  advertisement  we  sent  or 
participated in sending you; or (b) your purchase cost more than $50 and  was 
made  from  a  plan  merchant  in  your  state  or  within  100  miles  of  your  home; 
and  only  if  you  have  made  a  good  faith  attempt,  but  have  been  unable  to 
obtain satisfaction from the plan merchant. You must resolve all   other disputes 
directly with the plan merchant. We do not warrant any merchandise or services 
purchased by you with the Card. 

Statements and Notices. Statements and notices will be mailed to you at  the 
most recent postal address or e-mail address (if you have elected to receive 
such documents via electronic means) you have given us. Notice sent to  any 
one of you will be considered notice to all. 

Notification  of  Address  Change.  You  will  notify  us  promptly  if  you  change 
your  address  for  any  reason.  In  order  to  prevent  identity  theft,  your  identity 
may need to be verified before we act upon the notification. 

Copy  Received.  You  acknowledge  that  you  have  received  a  copy  of  this 
Agreement. 

Governing  Law. This  Agreement  shall  be  construed  under  federal  law  and 
state law in the state in which we are primarily located, and the venue shall  be 
located  in  the  county  and  state  in  which  we  are  primarily  located.  Operating 
regulations of Visa may also apply. This Agreement is the contract that applies 
to all transactions even though the sales, cash advance, convenience  check, 
credit or other slips you sign or receive may contain different terms. 

NOTICE  TO  UTAH  BORROWERS:  This  written  agreement  is  a 
final 
expression of the agreement between you and the Credit Union. This  written 
agreement may not be contradicted by evidence of any oral agreement. 

Default; Acceleration; Credit Suspension; Collection Costs. You will be  in 
default if: (1) you fail to make any payment on time; (2) if you fail to keep  any 
promises  you  have  made  under  this Agreement  or  under  other Agreements 
you have with us; (3) if you die; (4) if you file a petition in bankruptcy or have a 
bankruptcy  petition  filed  against  you,  or  if  you  become  involved  in  any 
insolvency, receivership or custodial proceeding; (5) if anyone  attempts to take 
any of your funds held by us via legal process or if you have a judgment or tax 
lien  filed  against  you;  (6)  if  you  make  any  false,  inaccurate,  or  misleading 
statements in any credit application or credit update; or (7) if we, in good  faith, 
believe that your ability to repay what you owe is or soon will be impaired, or 
that you are unwilling to make your payments. 

If you are in default, we have the right to demand immediate payment of  your 
full  account  balance  without  giving  you  notice.  If  immediate  payment  is 
demanded, you agree to continue paying interest charges and fees until  what 
you owe has been paid, and any shares that were given as security for your 
account  may  be  applied  towards  what  you  owe.  You  agree  to  pay  all 
reasonable costs of collection, including court costs and attorney's fees,  and 
any costs incurred in the recovery of the Card, subject to applicable law.  Even 
if  your  unpaid  balance  is  less  than  your  credit  limit,  you  will  have  no  credit 
available during any time that any aspect of your account is in default. 

Additional  Benefits/Card  Enhancements.  We  may  from  time  to  time  offer 
additional services to your Account at no additional cost to you.  You understand 
that we are not obligated to offer such services and may  withdraw or change 
them at any time. 

Convenience Checks. We may, at our discretion, issue checks to you  which 
may be used for any purpose other than making a payment for credit to  your 
account.  By  signing  such  check,  you  authorize  us  to  pay  the  item  for  the 
amount indicated and post such amount as a cash advance to your  account. 
We do not have to pay any item which would cause the outstanding  balance in 
your account to exceed your credit limit. 

Credit Information. We may from time to time request personal  information 
from  you  or  obtain  credit  reports  from  the  credit  reporting  agencies  for  the 
purpose of updating your credit status. Your failure to provide such information 
when requested by us may result in suspension of credit privileges under  this 
Agreement, including your ability to obtain any future advances by  any means. 
You authorize us to investigate your credit standing when opening or reviewing 
your  account.  You  authorize  us  to  disclose  information  regarding  your 
account  to  credit  bureau  and  creditors  who  inquire  about  your  credit 
standing. 

Foreign  Transactions;  Currency  Conversion.  Purchases  and  cash 
advances made in foreign currencies will be billed to you in U.S. dollars.  The 
conversion rate in dollars will be a rate selected by the card company from a 
range of rates available in wholesale currency markets for the applicable central 
processing  date,  which  rate  may  vary  from  the  rate  the  card  company  itself 
receives, or the government-mandated rate in effect for the applicable central 
processing  date  in  each  instance.  All  transactions  processed    outside  of  the 
United  States  (which  may  include  internet  transactions)  will  be  charged  a 
foreign  transaction  fee  in  the  amount  disclosed  on  your  Truth-in-Lending 
Statement (as amended from time to time). 

Termination;  Change-in-Terms.  We  may,  by  written  notice,  terminate  this 
Agreement  at  any  time,  subject  to  applicable  law.  You  may  terminate  this 
Agreement by written notice. Termination by either party shall not affect  your 
obligation to repay any payments made for your account resulting from use  of 
the Card as well as Interest Charges and fees incurred. We may change  the 
terms of this Agreement, including the method of calculating the periodic  rate, 
at  any  time,  by  written  notice,  subject  to  applicable  law.  Use  of  the  Card 
constitutes  agreement  and  acceptance  of  any  change  in  terms,  unless 
applicable law requires otherwise. Our failure to exercise any of our rights  or 
to take any action shall not constitute a waiver of those rights, or an amendment 
or change in any of the terms of this Agreement. 

PO Box 978  •  Frankfort, KY 40602-0978 

Phone 502.564.4775  •  800.228.6420 

Fax 502.564.5740  •  502.564.1001 

www.ccuky.org 

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YOUR BILLING RIGHTS - KEEP THIS NOTICE 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 the address(es) 
listed on your statement. 

In your letter, give us the following information: 

1.  Your name and account number. 

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. 

2. The dollar amount of the suspected error. 
3. 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. 

If you receive our explanation but still believe your bill is wrong, you must write 
to  us  within  10  days  telling  us  that  you  still  refuse  to  pay. If  you  do  so,  we 
cannot report you as delinquent without also reporting that  you  are questioning 
your bill. We must tell you the name of anyone to whom we reported  you  as 
delinquent,  and  we  must  let  those  organizations  know  when the matter has 
been settled between us. 

If we do not follow all of the rules above, you do not have to pay the first $50 
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. 

•  While you do not have to pay the amount in question, you are responsible 

3. You must not yet have fully paid for the purchase. 

for the remainder of your balance. 

•  We can apply any unpaid amount against your credit limit. 

If all of the criteria above are met and you are still dissatisfied with the purchase, 
contact us in writing at the address(es) listed on your statement. 

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. 

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The  following  disclosure  represents  important  details  concerning  your  credit  card.  The  information  about  costs  of  the  card  is  accurate  as  of 
1/1/2016  . You can contact us toll free at (800) 228-6420 if any changes occurred since the effective date. 

IMPORTANT CREDIT CARD DISCLOSURES 

INTEREST RATES and INTEREST CHARGES: 

Annual Percentage Rate 
(APR) for Purchases 

APR for Balance Transfers 

APR for Cash Advances 

VISA CLASSIC 

VISA PLATINUM 

VISA MY CARD 

10.20% to 24.00% 
depending on your credit 
history. This APR will vary 
with the market based on 
the Prime Rate. 

0% Introductory APR for six months. After that, your Standard APR will be 
 11.40% to 24.00% 
depending on your credit 
history. This APR will vary 
with the market based on 
the Prime Rate. 

10.90 % to 24.00% 
depending on your credit 
history. This APR will vary with 
the market based on  the 
Prime Rate. 

VISA PLATINUM 
SECURED 

7.99% 

0% Promotional APR for one year after the date of the transfer. After that, your Standard APR will be 

 10.20 % to 24.00% 
depending on your credit 
history. This APR will vary 
with the market based on 
the Prime Rate. 

 12.20% to 24.00% 
depending on your credit 
history. This APR will vary 
with the market based on 
the Prime Rate. 

   10.90% to 24.00% 
depending on your credit 
history. This APR will vary with 
the market based on  the 
Prime Rate. 

     11.40% to 24.00% 
depending on your credit 
history. This APR will vary 
with the market based on 
the Prime Rate. 

     12.90% to 24.00% 
depending on your credit 
history. This APR will vary with 
the market based on  the 
Prime Rate. 

      13.40% to 24.00% 
depending on your credit 
history. This APR will vary with 
the market based on  the 
Prime Rate. 

7.99% 

9.99% 

Paying Interest 

Your due date is at least 21 days after we mail your billing statement. We will not charge you interest on purchases if 
you pay your entire new purchase balance by the due date each month. However, we will begin charging interest on 
cash advances and balance transfers on the date the cash advance or balance transfer is posted to your account. 

For Credit Card Tips from the 
Consumer Financial 
Protection Bureau 

FEES: 

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer 
Financial Protection Bureau at http://www.consumerfinance.gov/learnmore 

Fees to Open or Maintain your 
Account 

• Annual Fee: 

None 

Transaction Fees 

• Balance Transfer: 
• Cash Advance: 
• Foreign Transaction: 

Penalty Fees 

• Late Payment: 

• Returned Payment: 

4% of the amount of each transfer 
None 
1% of each transaction in U.S. dollars if the transaction involves a currency conversion 
1% of each transaction in U.S. dollars if the transaction does not involve a currency conversion 

VISA PLATINUM/VISA PLATINUM SECURED/VISA MY CARD: 
10% of the payment due or $25.00, whichever is less, if your payment is late 3 days or more. 
VISA CLASSIC: 
5% of the payment due or $25.00, whichever is less, if your payment is late 3 days or more. 
Up to $25.00 if your payment is returned for any reason. 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." 
Loss of Introductory/Promotional Rate: We may end your Introductory or Promotional Rate and apply the Standard APR disclosed above if you make a 
late payment. 
You may receive a 1% discount off the Standard Rate disclosed above if you agree to make payments via automatic payments. 

Other Fees: 
Declined Access Check: Up to $25.00 if a convenience check is declined for any reason. 
Convenience Check Stop Payment Request: Up to $20.00 if you stop payment of a Convenience Check for any reason. 

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