TruWest Suppl. Visa Agreement S1-2:07AutoRntlCDW.qxd  2/15/10  9:59 AM  

This Agreement and Disclosure supersedes any benefit and description you
may have received earlier.  Please read and retain for your records.

Visa Card

Your 
Supplemental VISA 
Agreement & Disclosure

S1-2
Effective 2/22/10

For questions about your balance, call the customer service number on your Visa statement. 
1.  BALANCES ON WHICH FINANCE CHARGES (INTEREST) 
ARE COMPUTED:
Principal  balances  of  Purchases,  Cash  Advances  and  Balance
Transfers  are  determined each  day  during  the  statement  period,
beginning  with  the  principal portion  of  your  Previous  Balances,
reduced  by  payments  you  make and  credits  we  apply  during  the
statement period, and increased by Purchases, Cash Advances and
Balance Transfers you make, and debit adjustments we make during
the  statement  period.  The  Finance  Charges  for  a  billing cycle  are
computed  by  applying  the  Periodic  Rate  to  the  “average  daily
balance” of purchases (and if applicable, cash advances). To get the
average  daily  balance,  we  take  the  beginning  balance  of  your
account each  day,  add  any  new  purchases,  cash  advances  and
balance transfers, and subtract any payments, credits, non-accruing
fees,  and  unpaid  finance  charges. 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.  All  Automated
Teller  Machine (ATM)  transactions, Credit  Card  Checks,  and  Cash
Advances with the Card(s) are considered Cash Advances.

2.  CASH ADVANCES:
Cash Advances on the account that do not exceed the account’s Cash
Limit may be obtained by the Cardholder. We will advise you of your
cash advance limit in writing and it will become part of this agreement
by reference. FINANCE CHARGES will accrue on all Cash Advances
from the date the advance is made on the Cardholder's account until
the Cash Advance is paid in full.

3.  BALANCE TRANSFERS:
Balance Transfers on the account that do not exceed the account’s
Credit Limit may be obtained by the Cardholder. We will advise you of
your credit limit in writing and it will become part of this agreement by
reference. FINANCE CHARGES will accrue on all Balance Transfers
from the date the transfer is made on the Cardholder's account until
the Transfer is paid in full. 

4.  VARIABLE RATE CALCULATION:
Purchase Rate 

We  calculate  your  variable  purchase  rate  by  adding  5.65%
(“margin”)  to  the  Prime  rate  published  in  the  “Money  Rates”
section of The Wall Street Journal (“Index”) on the first day of
January, April, July and October. If the Journal is not published
on  that  day,  then  see  the  immediately  preceding  edition.  If
Prime changes, your new rate will take effect on the first day of
February, May, August and November.

Cash Advance Rate

We  calculate  your  variable  purchase  rate  by  adding  10.65%
(“margin”)  to  the  Prime  rate  published  in  the  “Money  Rates”
section of The Wall Street Journal (“Index”) on the first day of
January, April, July and October. If the Journal is not published
on  that  day,  then  see  the  immediately  preceding  edition.  If
Prime changes, your new rate will take effect on the first day of
February, May, August and November.

 
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VISA Agreement & Disclosure  (Cont.)

Balance Transfer Rate 

We  calculate  your  variable  purchase  rate  by  adding  10.65%
(“margin”)  to  the  Prime  rate  published  in  the  “Money  Rates”
section of The Wall Street Journal (“Index’) on the first day of
January, April, July and October. If the Journal is not published
on  that  day,  then  see  the  immediately  preceding  edition.  If
Prime changes, your new rate will take effect on the first day of
February, May, August and November.

5.  FINANCE CHARGES:
The FINANCE CHARGE is the amount of money that you pay for the
money  you  borrow.  You  can  avoid  FINANCE  CHARGES  (interest) on
your New Purchases balance by paying the entire account balance
(shown  as  the  Total  New  Balance)  by  the  Account  Statement's
"Payment Due" date. FINANCE CHARGES on New Purchase balances
are  calculated  at  the  periodic  rate  of  0.024384%  per  day, which
corresponds to an ANNUAL PERCENTAGE RATE of 8.90%. FINANCE
CHARGES  on  the  average  daily  balances  of  Cash Advances  and
Balance  Transfers  in  the  account  are  calculated  at  the  periodic 
to  an
0.038082%  per  day,  which  corresponds 
rate  of
ANNUALPERCENTAGE RATE of 13.90%.

6. MONTHLY PAYMENT:
We  will  mail  you  a  statement  each  month  when  transactions  or  an
owing balance appear on your account. The statement will show your
Previous  Balances  of  Purchases,  the  current  transactions  on  your
account,  the  remaining  credit  available under  your  Credit  Line,  the
New  Balance  of  purchases,  the  Total  New  Balance,  the  FINANCE
CHARGES  due  to date,  any  other  billed  fees,  and  the  Minimum
Payment  required.  If  you signed  up  to  receive  your  statements
electronically  (e-statement),  we will  send  you  an  electronic
notification when your statement is ready for you to view. You must
pay at least the Minimum Payment required by the Payment Due Date
noted  on  your  statement.  The  Minimum Payment  will  be  either  (a)
2.5% of your Total New Balance, or $25, whichever is greater, or (b)
your Total New Balance, if it is less than $25 plus (c) any portion of the
Minimum  Payment(s)  shown  on  prior statement(s)  which  remains
unpaid.  At  any  time  your  Total  New Balance  exceeds  your  Credit
Limit,  you  must  immediately  pay  the excess  upon  our  demand.  You
may pay more frequently, pay more than the Minimum Payment or pay
the Total New Balance in full before the “Payment Due” date. You will
avoid FINANCE CHARGES on New Purchases if you pay the Total New
Balance in full before the “Payment Due” date. All mailed payments
must be made by check or money order. You agree that any payment
you make may be returned to you without applying it to your Account
and without presentment or protest, for any reason, including if the
check  or  money  order  is  (1)  not  drawn  on  the  U.S.  Post Office  or  a
financial  institution  located  in  the  United  States;  (2) missing  a
signature; (3) restrictively endorsed; (4) post dated; (5) not payable to
TruWest Credit Union; (6) not drawn in U.S. dollars on funds on deposit
in  the  U.S.;  or  (7)  not  paid  upon  presentment.  You agree  to  pay  any
bank  or  financial  institution  collection  fees  we  incur for  any  check
payments  made  in  U.S.  Dollars  drawn  on  a  financial institution  not
located in the United States. All payments under this Agreement must
be  received  at  the  address  specified  on  your  billing statement.
Disputed  payments,  including  those  marked  "Payment  in Full"  or
otherwise 
to 
TruWest Credit Union, P.O. Box 30495, Tampa, FL 33630-3495.

endorsed  must 

be  mailed 

restrictively 

 
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VISA Agreement & Disclosure  (Cont.)

7. HOW WE ALLOCATE YOUR PAYMENTS:
We will allocate your payments to balances (including transactions
made after your latest statement) with higher APRs before balances
with lower APRs. This will result in balances with higher APRs (such
as cash advances) being paid before any other existing balances.

8. FEES:
ANNUAL FEES: NONE
CREDIT CARD CHECKS: NONE
TRANSACTION FEE: NONE
OVER LIMIT FEE: NONE
CASH ADVANCE FEE: 4% of the amount of each cash advance. 

9. OTHER CHARGES:

Late Payment charge: When the account balance is less than or
equal  to  $100.00,  the  Credit  Union  will  charge  your  Visa
account a late charge fee of $15.00 each billing cycle that the
minimum  payment  is  received after  the  "Payment  Due  Date."
When the account balance exceeds $100.00, but is less than or
equal  to  $250.00,  the  Credit  Union  will  charge  your  Visa
account a late charge fee of $25.00 each billing cycle that the
minimum payment is received after the “Payment Due Date.”
When the account balance exceeds $250.00, the Credit Union
will charge your Visa account a late charge fee of $35.00 each
billing  cycle  that  the  minimum  payment  is received  after  the
“Payment Due Date.”

Statement  copy  charge:  The  Credit  Union  will  charge  your 
Visa account  $1.00  per  page  for  each  Visa  statement  copy 
you request.

Transaction  Draft  copy  charge:  The  Credit  Union  will  charge 
your Visa  account  $0.50  for  each  original  transaction  draft 
you request.

Returned  Item  charge:  The  Credit  Union  will  charge  your  Visa
account  $25.00  for  each  dishonored  check  or  other  transfer
processed by  the  Credit  Union  as  payment  on  your  Visa
account. This charge may be in addition to any late charge or
additional  FINANCE CHARGES,  the  Credit  Union  may  impose
because of delinquent payments.

Replacement  card(s)  charge:  You  will  receive 

first
replacement card at no charge. The Credit Union will charge
your Visa account $5.00 for each additional card requested.
Overnight mail charge: If you request your replacement card be
delivered by overnight mail, the Credit Union will charge your
Visa account $25.00.

the 

Priority  mail  charge:  If  you  request  your  replacement  card  be
delivered  by  priority  mail,  the  Credit  Union  will  charge  your
Visa account $15.00. 

10. SCORECARD BONUS POINT PROGRAM:
Every  dollar  of  your  net  purchases  on  your  account  will  earn  one
ScoreCard  Bonus  Point.  Bonus  points  begin  to  accumulate  with
purchases made on the first day of use. Credit card checks and cash
advances  are  not  part  of  the  ScoreCard  rewards  program.
Bonus points  can  be  used  to  order  gift/travel  awards  in  the 
current ScoreCard  brochure.  To  obtain  a  ScoreCard  brochure 
or  check  on availability,  please  call  (800)  854-0790  or  visit
www.scorecardrewards.com. Bonus point requirements are subject
to change  from  time  to  time  and  gift/travel  awards  may  be

 
TruWest Suppl. Visa Agreement S1-2:07AutoRntlCDW.qxd  2/15/10  9:59 AM  

VISA Agreement & Disclosure  (Cont.)

substituted at any time. Unused bonus points, older than 48 months
from  the date  they  were  issued,  will  expire  annually  on  May  31.
Accounts must be open and current at the time of any bonus point
reward redemption. Bonus points cannot be transferred to another
credit card  at  TruWest,  unless  such  card  has  been  lost  or  stolen.
Refer to the current ScoreCard Rewards catalog for a full listing of
the ScoreCard Bonus Point Program Rules. 

TruWest Credit Union
P.O. Box 30495
Tampa, Florida 33630-3495
Phone: (866) 839-3409

Your savings federally insured to at least $250,000
and backed by the full faith and credit of the United States Government

NCUA

National Credit Union Administration, a U.S. Government Agency

A Printed on 100% post-consumer, chlorine-free recycled paper.