Utah Community Federal Credit Union 
VISA CARDHOLDER & CHECKING 
PROTECTION AGREEMENT 

When  used  herein,  the  terms  “UCCU”,  “we”,  and  “us”  each  refer  to  Utah 
Community Federal Credit Union a.k.a. Utah Community Credit Union. “Our” 
shall be deemed the possessory form of “UCCU.” The term “you" refers jointly 
and severally to each and every person and entity having a debit card, credit 
card,  or  Checking  Protection  through  a  UCCU  account  and  each  and  every 
guarantor thereof. The term "your" shall be deemed the possessory form of 
"you." By requesting or using a credit or debit product from us, you covenant 
and agree to be bound by the following provisions: 
1.  Promise  to  Pay.  You  promise  and  agree  to  pay  us  the  amount  of  all 
advances, purchases, interest (at the rate disclosed on the latest Rate and Fee 
Disclosures), fees and finance charges whether incurred by you or any other 
person or entity. 
2. When and How You Must Pay Us. You will be sent a periodic  statement 
that will tell you the amount you owe us from the previous billing cycle, the 
minimum payment you must make, and your payment due date. You agree to 
pay at least the minimum payment on or before each payment due date. If for 
any reason you do not receive a periodic statement at least monthly, you agree 
to immediately contact us and obtain the statement. If any periodic statement 
erroneously  understates  the  amount  owed  by  you,  we  may  correct  the 
statement and you shall pay the higher amount. 
3. Overdraft. We may permit you to overdraft your account. If you overdraft 
your account using a debit/check card or any other means and have Checking 
Protection,  you  agree  to  pay  the  amount  of  the  overdraft  together  with 
interest and fees. In addition to the Checking Protection product, we may also 
offer separate overdraft product(s) to qualifying members and those products 
shall be governed by separate agreements. 
4. Ownership of Cards. All cards and account access methods are our property 
and  you  shall  surrender  them  upon  demand.  We  may  terminate  this 
Agreement and block any means of account access without advance notice at 
any time for any or no reason. You may terminate this Agreement by returning 
all cards to us and paying the outstanding balance on your account in full, 
including interest, fees, and charges. You agree that we may mail cards or 
access devices to any of you and the recipient shall deliver said access devices 
to the person or entity designated on the card. 
5.  Credit  Limit.  We  may  determine  your  credit  limit  for  each  product  or 
service. We may increase, decrease, remove or restrict your credit limit at any 
time without advance notice. We may permit you to exceed the credit limit 
and you agree to also pay the excess together with fees and interest accrued 
on the excess. You may request a change to your credit limit by calling (801) 
223-8188 or writing to us at 360  West 4800  North, Provo,  UT    84604. You 
agree to any  limit increases  granted by  us regardless  of  whether a request 
was made by a co-applicant or guarantor. 
6. Interest Charges.  Cash advances (under Visa products) and overdrafts 
(under Checking Protection) accrue interest immediately from the date each 
advance or overdraft is posted to your account. We figure the interest 
charge on your account by applying the periodic rate to the “average daily 
balance” of your account. To get the “average daily balance” we take the 
beginning balance of your account each day, add any new purchases, 
advances, and fees, and subtract any unpaid interest or other finance 
charges and any payments or credits. This gives us the daily balance. Then, 
we add up all the daily balances for the billing cycle and divide the total by 
the number of days in the billing cycle. This gives us the “average daily 
balance.” 
7. Fees. We may charge you various fees as disclosed in the Rate and Fee 
Disclosure, in the current UCCU Fee Schedule, and by any other method. 

8. Default. You shall be in default if you have made any misrepresentations in 
applying for credit or if you hereafter breach any term hereof, fail to make 
payment  when  due, die,  declare  bankruptcy,  or incur  attachment  or levy 
against  any  portion  of  your  property.  If  you  default,  we  may  at  our  sole 
discretion  declare  the  entire  amount  of  your  outstanding  indebtedness 
immediately due and payable and you agree to pay our attorney's fees and 
costs incurred as the result of your breach. 

9.  Partial  Payments.  We may  accept  late payments  and  partial  payments 
without losing any of our rights. A mark of “payment in full” or any similar 
notation shall not constitute full payment unless the amount of the payment 
is sufficient to pay the full balance. 
10. Changes.  The  interest rate, payment periods, minimum payment, and all 
other terms may be changed by us as permitted by law. Your failure to pay off 
and close  your account  before the change goes  into effect shall  constitute 
your agreement to the change(s). Except as restricted or prohibited by law, 
any change in terms may, at our sole discretion, apply to your existing account 
balance as well as future transactions. 
11. Dishonor of Card. We are not liable or otherwise responsible for refusal 
of  any  person,  machine,  or  system  to  honor  a  card,  disperse  cash,  or 
otherwise perform. 
12.  Chargebacks. We may refuse to submit chargebacks on your behalf for 
any  reason  permitted  by  law  or  applicable  system  rules.  If  a  chargeback 
through Visa or another system is denied or not honored, you agree to pay 
for the item(s) at issue plus finance charges and any applicable fees through 
the date of full payment. 
13. Savings Account Required. If you fail to maintain a UCCU savings account 
with a minimum deposit balance, we may charge your credit card to bring 
your  savings  balance  to  the  minimum  and  you  shall  pay  interest  on  the 
amount charged. 
14.  Change of Address. You shall  provide us with your new address  within 
three (3) business days if you move. 
15. Hold. The amount of any purchase or transfer by you may be placed on 
hold  for  up  to  three  days  or  may  be  deducted  from  your  account 
automatically; therefore, you must be certain you have adequate funds in 
your account to cover each and every purchase. 
16.  Conflicts. If there is any conflict between a receipt or slip you are given 
and this Agreement, this Agreement shall control. 

17.  SECURITY INTEREST. As an express condition of using any debit card, credit card, or 
other  means  of  accessing  a  credit  product  or  service,  you  hereby  grant  to  UCCU  a 
security interest in all property you own including but not limited to all individual and 
joint share accounts at UCCU held or controlled by you. If you fail to pay when and as 
required,  this  security  interest  may be  enforced  without  further  notice.  This  security 
interest does not apply to shares in an individual retirement account (IRA). 

18.  Protect  the  Card  and  PIN.  You  shall  not  disclose  your  personal 
identification number (PIN) or allow it to be  discovered. If you lose a card or 
disclose your PIN, you shall hold us harmless for any and all transactions from 
the  time  of  loss/disclosure  until  you  notify  us  and  we  have  a  reasonable 
opportunity to act upon your notice. 
19. Investigations. You shall cooperate fully with any and all investigations by 
us or law enforcement, including but not limited to, promptly and accurately 
completing  affidavits  and  forms required  to address  concerns  or attempt 
recovery of funds. If you fail to fully cooperate in investigations, you agree to 
pay any and all amounts fraudulently charged by anyone else as though you 
made the purchase(s). 
20.  Our  Ability  to  Approve  or  Decline.  We  may  decline  a  transaction  or 
otherwise refuse to process a transaction even if you have sufficient funds in 
your account to pay for the transaction. We may limit the number and dollar 
amount of transactions you can complete in a day and in other time frames. 
If we detect unusual or suspicious activity on your account, we may suspend 
your credit privileges until we verify the activity, but we  are not required to 
verify any activity. 
21. Authorization to Pull Credit and Report Credit. You authorize us to pull 
your credit now and at all future  times to assess this Agreement and for the 
purpose of selling you additional products and services. You acknowledge we 
may submit negative credit reports to one or more credit reporting agency if 
you fail to fulfill your obligations to us. 
22.  Assignment.  We  may  assign  our  rights  and  obligations  under  this 
Agreement, but you may not assign  your rights or obligations to any other 
person (natural or otherwise). 
23. Law;  Waiver;  Headings;  Gender.  This  Agreement  shall  be  governed  by 
applicable federal law. Where federal law is silent, this Agreement and all use 
of UCCU products and services shall be governed by Utah law without regard 
to any conflict of law rules  or principles.  You hereby agree  that all  disputes 
between you and us shall be litigated in the federal District of Utah or the Fourth 
is  binding  upon  your  heirs, 
District  Court  of  Utah.  This  Agreement 

 
representatives, and successors. We may delay enforcing any of our rights or 
remedies  under this  Agreement,  law,  or  equity  without  losing  said rights  or 
remedies. Headings are for convenience only and shall not be used to interpret 
or define the provisions herein. Feminine or neuter pronoun 
shall be substituted for those of masculine form or vice versa, and the plural 
shall be substituted for the single number or vice versa in any place or places 
in which the contexts may require such substitution. 
24. Limits on Use. You agree to not use any UCCU account, product, or 
service to initiate any type of electronic gambling transaction or any illegal 
activity; you 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 use. 
25. Rewards Benefits. We reserve the right to make changes to any rebate or 
reward  program(s)  we  may  offer  you.  The  method  for  calculating  current 
benefits or points can be found at www.uccu.com or by calling 801-223-8188. 
However, we also reserve the right to cancel and void any benefits or points 
granted to you without advanced notice. 
26.  Foreign  Transactions.  Purchases  and  cash  advances  completed  by 
merchants  outside  of  the  United  States  are  considered  foreign 
transactions, regardless of whether you are located inside or outside the 
United  States  at  the  time  of  the  transaction.    Foreign  transactions  and 
foreign currencies will be billed  to you in U.S. dollars. The conversion rate 
in  dollars  will  be  a  rate  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. 
27.  Lost  or  Stolen  Cards;  Unauthorized  Transactions.  Unless  expressly 
prohibited  by  law  or  certain  Visa  operating  rules  under  which  UCCU  has 
agreed to abide, you shall be liable to us for all transactions on your account 
whether made by you, another authorized party, or an unauthorized party. If 
you lose a card or one  is stolen or used for an unauthorized transaction, call 
us immediately at 801-223-8188 as some of your rights under federal law or 
Visa rules may be lost or limited due to delays in reporting to us. 
28. Permission to Contact. You expressly consent that we (or our agents and 
assignees) may contact you for any purpose in any manner at any telephone 
number (landline or wireless) or physical or electronic mail address you ever 
provide or have provided to us. You may revoke this consent by contacting us, 
but we may still elect to contact you if we believe contact is permitted under 
applicable law. 
29.  Military Members. 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 and his or her dependent(s) may not exceed an annual 
percentage rate of 36 percent. This rate must include, as applicable to the 
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 application fees 
for specified credit transactions or accounts); and any participation fee 
charged (other than certain participation fees for a credit card account). To 
receive these disclosures orally, please dial 1 -800-453-8188 and select or ask 
for extension 4813. 

Your 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: 

Utah Community Federal Credit Union 
Credit Card Services 
360 West 4800 North 
Provo, UT  84604 

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 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 is 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: 

Utah Community Federal Credit Union 
Credit Card Services 
360 West 4800 North 
Provo, UT  84604 

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.