� CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved   00901976 -MXC30 -C-1-102617 (MXC303 -E) 
 
  CONSUMER 
CREDIT CARD 
AGREEMENT  
AND 
DISCLOSURE  
 
 MASTERCARD  
 
This Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other 
Account opening documents or any subsequent documents provided to You related 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 Pen Air F ederal Credit Union with which this Agreement is made. �You,� �Your,� and �Yours� refers 
to each applicant and co -applicant for the Account; any person responsible for paying the Account; and anyone You 
authorize to use, access or service the Account. "Car d" means the Mastercard� credit card and any other access 
devices, duplicates, renewals, or substitutions, 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 Uniform 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 signing a separate pledge of shar es, 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 the pledged amount.  
 
You grant Us a security interest in all i ndividual and joint share and/or deposit accounts You have with Us now 
and in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that 
would lose special tax treatment under state or federal law if given as sec urity are not subject to the security 
interest You have given in Your shares and deposits. You may withdraw 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 agree 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 Military Lending Act. For clarity, You will not be deemed a 
covered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when You were 
not a covered borrower; or (ii) You cease to be a covered borrower.  
 
Unless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union 
may also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding 
anything to the contra ry in any other Agreement.  
 
1. USING YOUR ACCOUNT � By using the Account or keeping the Card, You agree to the terms of this Agreement. 
You agree to use Your Account in accordance with this Agreement. Your Account mus t 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 limit increase on Your Account only by a method 
acceptable to the Credit Union. We may increase or decrease Your credit limit,  refuse to make an advance and/or 
terminate Your Account at any time for any reason permitted by law.  
3. REPAYMENT  � You promise to repay all amounts You owe under this Agreement. Your promise to repay includes 
all tra nsactions made to Your Account by You or anyone You authorize to use Your Account as well as all interest 
charges and fees.  
For each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.  
The Minimum Payment Due is 2.00%  of Your total New Balance, or $25.00, whichever is greater, plus any amount past 
due and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than 
$25.00, then Your Minimum Payment Due is the amount of the tota l New Balance.  
You may pay more frequently, pay more than the Minimum Payment Due or pay the total New Balance in full.     
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 If You make extra or larger payments, You are still required to make at least the Minimum Payment Due each month Your 
Account has a bal ance (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 payment has cleared.  
Your payment of the required Minimum Payment Due may be applied to wha t You 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 a nnual 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 "payment in full" or with words of similar effect 
without losing any of Our rights to collect the full balance of Your Account with Us.  
4. INTEREST AND FINANCE CHARGES � We will begin charging You interest on purchases on the date the 
transaction is posted to Your Account. W e will begin charging You interest on cash advances and balance transfers on 
the date of the transaction or the first day of the billing cycle in which the transaction is posted to Your Account, whichev er 
is later (transaction date). However, We will not c harge You any interest on 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  additional 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 pu rchases, balance transfers and cash advances 
(�Transaction Type�). We figure the interest charge for each Transaction Type by applying the periodic rate to each 
corresponding �average daily balance.� To get the �average daily balance� for a Transaction Typ e We take the beginning 
balance for that Transaction Type each day, add any new transactions of that type, and subtract any unpaid interest or 
other finance charges and any applicable payments or credits. This gives Us the daily balance for each Transactio n Type. 
Then, for each Transaction Type, We add up all the daily balances for the billing cycle and divide each total by the 
number of days in the billing cycle. This gives Us the �average daily balance� for each Transaction Type.  
5. 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 Opening Disclosure accompanying thi s 
Agreement.  
6. FOREIGN TRANSACTIONS � Purchases and cash advances made in foreign currencies will be debited from Your 
Account in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing 
international transactions is a rate selected by Mast ercard from a range of rates available in wholesale currency markets 
for the applicable central processing date, which rate may vary from the rate Mastercard itself receives or the government -
mandated rate in effect for the applicable central processing da te. The exchange rate used on the processing date may 
differ from the rate that would have been used on the purchase date or cardholder statement posting date.  
A fee (finance charge), calculated in U.S. dollars, will be imposed on all foreign transactions,  including purchases, cash 
advances and credits to Your Account. A foreign transaction is any transaction that You complete or a merchant 
completes on Your Card outside of the United States, with the exception of U.S. military bases, U.S. territories, U.S.  
embassies or U.S. consulates. The Foreign Transaction Fee is set forth on the Disclosure accompanying this Agreement.  
7. AUTHORIZATIONS � We do not guarantee authorization of a transaction, either by Us or by a third  party, even if 
You have sufficient credit available. You agree that We will not be liable for failing to give an authorization. We also 
reserve the right to limit the number of transactions that may be approved in one day. We reserve the right to deny cer tain 
transactions for any reason and at Our sole discretion, including for default, suspected fraudulent or unlawful activity, 
internet gambling or any indication of increased risk related to the transaction or the Account. You agree that We have no 
requir ement 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 activity, or We may close the Account.  
8. 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 Car d number or expiration date) changes, or Your Account is closed. However, if Your Card 
is replaced or Your Account information changes, You authorize Us, without 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 info rmation updating service. Through this service, Your updated Account 
information (such as Card number or expiration date) may be shared with participating merchants to facilitate continued 
recurring charges. Updates are not guaranteed before Your next paym ent to a merchant is due. You are responsible for 
making direct payment until recurring charges resume. To revoke Your authorization allowing Us to provide updated 
Account information to a merchant, please contact Us.  
9. PREAUTHORIZED CHARGES � We may suspend preauthorized recurring charges with merchants if, for example, 
Your Card is lost or stolen, You default, or We change Your Account for any reason. If preauthorized recurring charges    
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 are suspended, You are responsi ble for making direct payment for such charges until You contact the merchant to 
reinstate recurring charges.  
10. DEFAULT � You will be in default under this Agreement if You fail to pay the Minimum Payment Due by its Payment 
Due Date; pay by a check or similar instrument that is not honored or that We must return because it cannot be 
processed; pay by automatic debit that is returned unpaid; make any false or misleading statements in any credit 
application or credit up date; file for bankruptcy; or die. You will also 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 unpaid balance 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 You defaulted, to apply the balance in th ese accounts 
to any amounts due. You agree We may rely on Your agreement and authorization to, upon Your default, apply any 
balance to any amounts due on Your Account.  
In the event that any suit is filed against the Credit Union with respect to this Agreement, or any credit card issued under 
this Agreement, the suit shall only be brought in the courts of the state of Florida.    
11. LIABILITY FOR UNAUTHORIZED USE -LOST/STOLEN CARD NOTIFICATION � If You notice the lo ss or theft of 
Your credit card or a possible unauthorized use of Your Card, You should write to Us immediately at Customer Service, 
PO Box 31112, Tampa, FL, 33631 -3112 or call Us toll -free at (800) 449 -7728, seven days a week 24 hours a day.  
You will not be liable for any unauthorized use that occurs after You notify Us. You may, however, be liable for 
unauthorized use that occurs before Your notice to Us. However, if You exercise reasonable care in safeguarding Your 
Card from risk of loss or theft and, up on discovering the loss or theft promptly report the loss or theft to Us, You will not be 
liable for any unauthorized transactions. In any case, Your liability for unauthorized transactions will not exceed $50.  
12. CHA NGING 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 any change will be given in accordance with 
applicable law. The Credit Union, in its s ole discretion, may close or suspend your account if it feels that the access 
device is insecure for any reason whatsoever, including but not limited to; mismanagement of your account, failing to 
safeguard any access device, creation of any credit balances  by you that may increase the risk of loss or exposure to the 
Credit Union, or failing to cooperate with the Credit Union or others with regard to any claim of unauthorized use or 
payment under applicable law. To the extent permitted by law, changes to the  Agreement may apply to Your existing 
account balance as well as to future transactions. Credit Union may also reissue a different Card or different checks at 
any time.  
Arizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisco nsin Residents - Either 
You, Your spouse or the Credit Union may terminate this Agreement at any time, 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 balance plus any finance and other charges You 
owe under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card 
or Cards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all 
Cards upon request or upon termination of this Agreement whether by You or the Credit Union.  
Residents of all other states - Either You or the Credi t Union may terminate this Agreement at any time, but termination 
by You or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges 
You owe under this Agreement. Your obligation to pay the account bala nce plus any finance and other charges You owe 
under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card or 
Cards You receive remain the property of the Credit Union and You must recover and surrende r to the Credit Union all 
Cards upon request or upon termination of this Agreement whether by You or the Credit Union.  
13. AUTHORIZED USERS � Upon Your request, We may issue additional Cards for authorized users that Y ou 
designate. You must notify Us in writing of any termination of an authorized user's right to access Your Account. Your 
notice must include the name of the authorized user and Your Account number and/or any subaccount number issued to 
the authorized user  along with the authorized user's Card and any convenience or other access checks issued to the 
authorized user. If You cannot return the authorized user's Card or access checks and if You request Your Account to be 
closed, We will close Your Account and Y ou may apply for a new Account. Alternatively, We may, at Our sole discretion, 
issue You a new Account number and a new Card.  
14. 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 and use 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 creditors who inquire about Your credit 
standing. We may report information about Your Account to credit bureaus. Late payments, missed payments, or other 
defaults on Your Account may be reflected on Your credit report.  
15. JOINT ACCOUNTS � If this is a joint Account, each of You will be individually and jointly responsible for paying all 
amounts owed under this Agreement . This means that the Credit Union can require any one of You individually to repay    
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 the entire amount owed under this Agreement. Each of You authorizes the other(s) to make transactions on the Account 
individually. Any one of You may terminate the Account and the termination will be effective as to all of You.  
16. 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 s lips You sign or receive may contain different terms.  
17. SEVERABILITY AND FINAL EXPRESSION � This Agreement is the final expression of the terms and conditions of 
Your Account. This written Agreement may not be contra dicted by evidence of any alleged oral Agreement. Should any 
part of this Agreement be found to be invalid or unenforceable, all other parts of this Agreement shall remain in effect and 
fully enforceable to the fullest extent possible under this Agreement.  
18. ILLEGAL TRANSACTIONS PROHIBITED � You agree that You will not use Your Card for any transaction, including 
any type of electronic gambling transaction through the Internet, that is illegal under applicable federal , state, or local law.  
Even if You use Your Card for an illegal transaction, You will be responsible for all amounts and charges incurred in 
connection with the transaction. This paragraph shall not be interpreted as permitting or authorizing any transact ion that is 
illegal.  
19. APPLICABLE LAW � The terms and enforcement of this Agreement shall be governed by federal law and the law of 
Florida.  
20. ENFORCING THIS AGREEMENT � We can  delay in enforcing or fail to enforce any of Our rights under this 
Agreement without losing them.  
21. COLLECTION COSTS � If We refer collection of Your Account to a lawyer who is not Our salaried employee, You 
are liable for any reasonable attorney�s fees We incur, plus the costs and expenses of any legal action, as further 
disclosed on this Agreement, or to the extent allowed by law.  
22. ASSIGNMENT � We may assign any or all of Our rights and obligations under this Agreement to a third party.  
23. CALIFORNIA RESIDENTS � A married applicant may apply for a separate Account. Applicants: 1) may, after credit 
approval, use the credit card Account up to its credit limit; 2) may be liable 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 fulfill the terms of Your credit obligations.  
24. 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.  
25. MARYLAND RESIDENTS � To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your 
Card  Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article . 
26. MISSOURI RESIDENTS � Oral Agreements or commitments to loan money, extend credit or to forbear from 
enforcing repayment of a debt in cluding promises to extend or renew such debt are not enforceable. To protect 
You (borrower(s)) and Us (creditor) from misunderstanding or disappointment, any Agreements We reach 
covering such matters are contained in this writing, which is the complete an d exclusive statement of the 
Agreement between Us, except as We may later agree in writing to modify it.  
27. NEW YORK RESIDENTS � We may obtain a credit report in connection with this Account, including for any review , 
modification, renewal or collections associated with this Account. Upon Your request, You will be informed whether such 
report was requested and, if so, the name and address of the consumer reporting agency furnishing the report. New York 
residents may c ontact 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 periods.  
28. OHIO RESIDENTS � The Ohio laws against discrimination re quire that all creditors make credit equally available to 
all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon 
request. The Ohio Civil Rights Commission administers compliance with this la w. 
29. SOUTH DAKOTA RESIDENTS � If You believe there have been any improprieties in making this loan or in the 
lender�s loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre, 
SD 57501, or by phone at 605.773.3421.  
30. WISCONSIN RESIDENTS � If You are married, please contact Us immediately upon receipt of this Agreement 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 for You.  
31. 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. 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 fulfill the terms of Your credit obligations.     
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 32. THE FOLLOWING IS REQ UIRED BY VERMONT LAW  � NOTICE TO CO -SIGNER � YOUR SIGNATURE ON 
THIS NOTE MEANS THAT  YOU ARE EQUALLY LIAB LE FO R REPAYMENT OF THIS LOAN. IF THE BORROWE R 
DOES NOT PAY, THE LE NDER HAS A LEGAL RIG HT TO COLLECT FROM Y OU. 
MASTERCARD IS A REGI STERED TRADEMARK, AN D THE CIRCLES DESIGN  IS A TRADEMARK OF  
MASTERCARD INTERNATI ONAL INCORPORATED.     
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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 the 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 err or. 
- 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 three business d ays 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  or electronically. You may call Us, but if You do We are not required 
to investigate any poten tial 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 finis h 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 stil l 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 wh om 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 ma y 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 m ust 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. Purc hases 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, co ntact Us in writing  or electronically at 
the address 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 thin k You owe an amount and You do not pay, We may report You as 
delinquent.