Paying InterestYour due date is at least 21 days after we mail your billing statement. We will notcharge you interest on purchases if you pay your entire new purchase balance by thedue date each month. For cash advances and balance transfers, we will begin charginginterest on the transaction date.Minimum Interest ChargeIf you are charged interest, the charge will be no less than $0.50.For Credit Card Tips from theConsumer Financial ProtectionBureauTo learn more about factors to consider when applying for or using a credit card, visitthe website of the Consumer Financial Protection Bureau athttp://www.consumerfinance.gov/learnmoreFEES:Fees to Open or Maintain yourAccount- Annual Fee:- Application Fee:NoneNoneThe following disclosure represents important details concerning your credit card. The information about costs of the card areIMPORTANT CREDIT CARD DISCLOSURESaccurate as ofOak Ridge, Tennessee 37831-0365 to inquire if any changes occurred since the effective date.. You can contact us toll free at (800) 676-5328 or 221 South Rutgers Avenue, P.O. Box 365,INTEREST RATES and INTEREST CHARGES:Annual Percentage Rate (APR)for Purchases, Cash Advances,& Balance TransfersThe rate you qualify for is dependent on your credit history. This APR will vary with themarket based on the Prime Rate.
9009 LASER FPDF FI14018 Rev 10-2012 COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.Transaction Fees- Balance Transfer:- Cash Advance:- Foreign Transaction:NoneNone1% of each transaction in U.S. dollars if the transaction involves a currency conversion1% of each transaction in U.S. dollars if the transaction does not involve a currencyconversionPenalty Fees
100% of the payment due or $25.00, whichever is less if your payment is more than 10days late.NoneUp to $25.00 if your payment is returned for any reason- Late Payment:- Over-the-Credit Limit:- Returned Payment:How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."Loss of Introductory Rate: We may end your Introductory Rate and apply the Standard APR disclosed above if you make alate payment. orAfter that, your Standard APR will beIntroductory APR if your credit history qualifies, for one year, onpurchases, cash advances, and balance transfers made within the firstsixty days.
221 South Rutgers Avenue, P.O. Box 365Oak Ridge, Tennessee 37831-0365 SECURITY: YOU SPECIFICALLY GRANT US A CONSENSUALSECURITY INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTSYOU HAVE WITH US NOW AND IN THE FUTURE TO SECUREREPAYMENT OF CREDIT EXTENDED UNDER THIS AGREEMENT. YOUALSO AGREE THAT WE HAVE SIMILAR STATUTORY LIEN RIGHTSUNDER STATE AND/OR FEDERAL LAW. THE GRANTING OF THISSECURITY INTEREST IS A CONDITION FOR THE ISSUANCE OFCREDIT UNDER THIS AGREEMENT. IF YOU ARE IN DEFAULT, WECAN APPLY YOUR SHARES TO THE AMOUNT YOU OWE. Shares anddeposits in an Individual Retirement Account or any other account thatwould lose special tax treatment under state or federal law if given are notsubject to this security interest.If you have other loans with us, collateral securing such loans may alsosecure your obligations under this Agreement, unless that other collateralis your real property or non-purchase money household goods.CREDIT CARD AGREEMENT
Joint Accounts. If this is a joint account, each of you must sign thisAgreement by signing the Application. Each of you will be responsible, jointlyand severally, for the repayment of amounts owed, regardless of who initiatedany transaction under the account. This means that we can require any oneof you to repay the entire amount owed. Each of you authorizes the others tomake purchases, cash advances, or balance transfers individually. Any one ofyou may terminate the account, which termination will be effective as to all ofyou.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 payfor all purchases and advances made by anyone you authorize to use youraccount, whether or not you notify us that he or she will be using it. Ifsomeone else is authorized to use your account and you want to end thatperson'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 cancelledby us at any time without notice. You agree to surrender your Card and todiscontinue use of the account immediately upon our request.Interest Charges; Grace Period. New purchases posted to your accountduring a billing cycle will not incur an interest charge for that billing cycle if youhad a zero or credit balance at the beginning of that billing cycle, or you paidthe entire new balance on the previous cycle's billing statement by thepayment due date of that statement; otherwise, an interest charge will accruefrom the date a purchase is posted to your account. To avoid additionalinterest charges on the balance of purchases, you must pay the entire newbalance on the billing statement by the payment due date of that statement.An interest charge begins to accrue on cash advances from the date you getthe cash advance or from the first day of the billing cycle in which the cashadvance is posted to your account, whichever is later. The interest charge iscalculated separately for purchases and cash advances. For purchases, theinterest charge is computed by applying the daily periodic rate to the averagedaily balance of purchases. The daily periodic rate is equal to the ANNUALPERCENTAGE RATE in effect at anytime divided by 365. To get the averagedaily balance of purchases, we take the beginning outstanding balance ofpurchases each day, add any new purchases, and subtract any paymentsand/or credits. This gives us the daily balance of purchases. Then, we add allthe daily balances of purchases for the billing cycle together and divide thetotal by the number of days in the billing cycle. This gives us the average dailybalance of purchases. Balance transfers are calculated in the same manneras purchases. For cash advances, the interest charge is computed byapplying the daily periodic rate to the average daily balance of cashadvances. To get the average daily balance of cash advances, we take thebeginning outstanding balance of cash advances each day, add in any newcash advances, and subtract any payments and/or credits that we apply to thecash advance balance. This gives us the daily balance of cash advances.Then, we add all the daily balances of cash advances for the billing cycletogether and divide the total by the number of days in the billing cycle. Thisgives us the average daily balance of cash advances. The ANNUALPERCENTAGE RATE is based on certain credit-worthiness criteria.Fees. In addition to the Interest Charges set forth above, you agree to alsopay 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 totime), or as disclosed to you during the term of your Card.Review of Account Standing. Every two years or at such other time as weshall deem appropriate, we may review your account standing and/or creditstanding and, if we determine that either has deteriorated, we may close yourcard to new transactions. You will be given notice of any such change(s) inaccordance with applicable law. If we close your account, you will still be liableto repay your outstanding balance according to the terms of your Credit CardAgreement.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 THOSEDESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS ORNL FEDERAL CREDIT UNION OR ITS SUCCESSORS.
page 1 of 3Using Your Card. You can purchase or lease goods and services from anymerchant who honors your Card, and you may obtain cash advances fromfinancial institutions and ATM machines that accept the Card, up to yourmaximum credit limit. You agree not to present your Card or obtain a cashadvance for any extension of credit in excess of your available credit limit ;such transactions will be declined. However, if for any reason you do exceedyour credit limit, you shall be liable for all such transactions and you agree tomake immediate payment sufficient to bring the balance below the credit limit.Certain purchases and cash advances require authorization prior tocompletion of the transaction. In some cases, you may be asked to provideidentification. If our system is not working, we may not be able to authorize atransaction, even though you have sufficient credit available. Also, for securityreasons, we may block the use of your Card in certain countries or geographicareas. We will have no liability to you or others if any of these events occur.Personal Identification Number (PIN). We may issue a PersonalIdentification Number (PIN) for use with your Card. This PIN is confidentialand should not be disclosed to anyone. You may use your PIN and your Cardto access your account, and all sums advanced will be added to your accountbalance. In the event a use of your PIN constitutes an Electronic FundsTransfer, the terms and conditions of your Electronic Funds TransferAgreement 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 youauthorize to use the Card; (b) all Interest Charges and all other charges orfees; (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 ofyour credit limit that we may extend to you.Illegal Transactions. You agree that your Card and account will not be usedto 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 applicablelaw, including but not limited to any transaction involving or relating to anygambling activity. You agree that we will have no liability or responsibility forany such use by you or any authorized user(s); or for declining any suchtransaction. You further agree to indemnify and hold us harmless from anysuits, liability, damages or adverse action of any kind that results directly orindirectly from such illegal use. You promise to pay us any and all amountsowing on your Card for any transactions made by you, even if the transactionis determined to be illegal.
9011 LASER FPDF FI14017 9-2011 COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.
221 South Rutgers Avenue, P.O. Box 365Oak Ridge, Tennessee 37831-0365 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 THOSEDESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS ORNL FEDERAL CREDIT UNION OR ITS SUCCESSORS.
If Your Card is Lost or Stolen or if an Unauthorized Use Occurs. Youagree to notify us immediately if your Card is ever lost or stolen or if anunauthorized use may have occurred. "Unauthorized use" means the use ofthe Card by someone other than you who does not have actual, implied orapparent authority for such use, and from which you receive no benefit. Thetelephone number to call is 1-800-449-7728, twenty-four hours a day, sevendays a week. You agree to follow up your call with notice in writing to us at:P.O. Box 31112, Tampa, FL 33631-3112. You also agree to assist us indetermining the facts, circumstances and other pertinent information relatingto any loss, theft or possible unauthorized use of your Card and comply withsuch procedures as we may require in connection with our investigation. Youwill be liable for any unauthorized use only if we can prove that you weregrossly negligent in your use or handling of your Card, or if we can prove thatyou used your Card fraudulently.Minimum Payment Due; Crediting of Payments.  Payments are due in the amount and on the date disclosed on your billing statement. If your paymentis received by us on a business day at the address and by the timedesignated on the billing statement, it will be credited to your account on thedate of receipt. If payment is made at any location other than the addressdesignated on the periodic statement, credit for such payment may bedelayed up to five (5) days. Payments will be applied in any order wedetermine, subject to applicable law.Default; Acceleration; Credit Suspension; Collection Costs. You will be indefault if: (1) you fail to make any payment on time; (2) if you fail to keep anypromises you have made under this Agreement or under other Agreementsyou have with us; (3) if you die; (4) if you file a petition in bankruptcy or have abankruptcy petition filed against you, or if you become involved in anyinsolvency, receivership or custodial proceeding; (5) if anyone attempts totake any of your funds held by us via legal process or if you have a judgmentor tax lien filed against you; (6) if you make any false, inaccurate, ormisleading statements in any credit application or credit update; or (7) if we, ingood faith, believe that your ability to repay what you owe is or soon will beimpaired, or that you are unwilling to make your payments.If you are in default, we have the right to demand immediate payment of yourfull account balance without giving you notice. If immediate payment isdemanded, you agree to continue paying interest charges and fees until whatyou owe has been paid, and any shares that were given as security for youraccount may be applied towards what you owe. You agree to pay allreasonable costs of collection, including court costs and attorney's fees, andany costs incurred in the recovery of the Card, subject to applicable law. Evenif your unpaid balance is less than your credit limit, you will have no creditavailable during any time that any aspect of your account is in default.Additional Benefits/Card Enhancements. We may from time to time offeradditional services to your Account at no additional cost to you. Youunderstand that we are not obligated to offer such services and may withdrawor change them at any time.Convenience Checks. We may, at our discretion, issue checks to you whichmay be used for any purpose other than making a payment for credit to youraccount. By signing such check, you authorize us to pay the item for theamount indicated and post such amount as a cash advance to your account.We will not pay any item which would cause the outstanding balance in youraccount to exceed your credit limit.Credit Information. We may from time to time request personal informationfrom you or obtain credit reports from the credit reporting agencies for thepurpose of updating your credit status. Your failure to provide such informationwhen requested by us may result in suspension of credit privileges under thisAgreement, including your ability to obtain any future advances by anymeans. You authorize us to investigate your credit standing when opening orreviewing your account. You authorize us to disclose information regardingyour account to credit bureau and creditors who inquire about your creditstanding.Foreign Transactions; Currency Conversion. Purchases and cashadvances made in foreign currencies will be billed to you in U.S. dollars. Theconversion rate in dollars will be a rate selected by the card company from arange of rates available in wholesale currency markets for the applicablecentral processing date, which rate may vary from the rate the card companyitself receives, or the government-mandated rate in effect for the applicablecentral processing date in each instance. All transactions processed outsideof the United States (which may include internet transactions) will be chargeda foreign transaction fee in the amount disclosed on your Truth-in-LendingStatement (as amended from time to time). A foreign transaction is anytransaction that you complete or a merchant completes on your card outsideof the United States, with the exception of U.S. Military bases, U.S. territories,U.S. embassies or U.S. consulates.Termination; Change-in-Terms. We may, by written notice, terminate thisAgreement at any time, subject to applicable law. You may terminate thisAgreement by written notice. Termination by either party shall not affect yourobligation to repay any payments made for your account resulting from use ofthe Card as well as Interest Charges and fees incurred. We may change theterms of this Agreement, including the method of calculating the periodic rate,at any time, by written notice, subject to applicable law. Use of the Cardconstitutes agreement and acceptance of any change in terms, unlessapplicable law requires otherwise. Our failure to exercise any of our right or totake any action shall not constitute a waiver or those rights, or an amendmentor change in any of the terms of this Agreement.Late or Partial Payments. Any payment that delays the reduction of yourbalance will increase your total interest costs. Partial payments orprepayments will not delay your next scheduled payment - you will still needto make the minimum scheduled payment by the next scheduled due date tokeep your account current. We may accept late payments, partial payments,checks or money orders marked "payment in full" and such action shall notconstitute final settlement of your account or a waiver or forgiveness of anyamounts owing under this Agreement.Enforcement. We do not lose our rights under this or any related agreementif we delay enforcing them. If any provision of this or any related agreement isdetermined to be unenforceable or invalid, all other provisions remain in fullforce and effect.Returns and Adjustments. Merchants and others who honor the Card maygive credit for returns or adjustments, and they will do so by submitting acredit slip which will be posted to your account. If your credits and paymentsexceed what you owe us, the amount will be applied against future purchasesand cash advances. If the credit balance amount is $1 or more, it will berefunded upon your written or verbal request or automatically after six (6)months.Plan Merchant Disputes. We are not responsible for the refusal of any planmerchant or financial institution to honor your Card. Also, we are notresponsible for goods or services that you purchase with the Card unless: (a)your purchase was made in response to an advertisement we sent orparticipated in sending you; or (b) your purchase cost more than $50 and wasmade 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 toobtain satisfaction from the plan merchant. You must resolve all otherdisputes directly with the plan merchant. We do not warrant any merchandiseor services purchased by you with the Card.Statements and Notices. Statements and notices will be mailed to you at themost recent postal address or e-mail address (if you have elected to receivesuch documents via electronic means) you have given us. Notice sent to anyone of you will be considered notice to all.Notification of Address Change. You will notify us promptly if you changeyour address for any reason. In order to prevent identity theft, your identitymay need to be verified before we act upon the notification.Copy Received. You acknowledge that you have received a copy of thisAgreement.Governing Law. This Agreement shall be construed under federal law andstate law in the state in which we are primarily located, and the venue shall belocated in the county and state in which we are primarily located. Operatingregulations of Visa or MasterCard, as applicable, may also apply. ThisAgreement is the contract that applies to all transactions even though thesales, cash advance, convenience check, credit or other slips you sign orreceive may contain different terms.page 2 of 3 YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE This notice tells you about your rights and our responsibilities under theFair Credit Billing Act.What To Do If You Find A Mistake On Your StatementIf 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.2. The dollar amount of the suspected error.3. If you think there is an error on your bill, describe what you believe is wrongand 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 youwant 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 youdo, we are not required to investigate any potential errors and you may haveto pay the amount in question.What Will Happen After We Receive Your LetterWhen we receive your letter, we must do two things:1. Within 30 days of receiving your letter, we must tell you that we receivedyour 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 orexplain 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 delinquenton that amount.� The charge in question may remain on your statement, and we may continueto charge you interest on that amount.� While you do not have to pay the amount in question, you are responsiblefor 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 anyinterest or other fees related to that amount.� If we do not believe there was a mistake: You will have to pay the amount inquestion, along with applicable interest and fees. We will send you astatement of the amount you owe and the date payment is due. We may thenreport 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 writeto us within 10 days telling us that you still refuse to pay. If you do so, wecannot report you as delinquent without also reporting that you arequestioning your bill. We must tell you the name of anyone to whom wereported you as delinquent, and we must let those organizations know whenthe matter has been settled between us.If we do not follow all of the rules above, you do not have to pay the first $50of the amount you question even if your bill is correct.Your Rights If You Are Dissatisfied With Your Credit Card PurchasesIf you are dissatisfied with the goods or services that you have purchased withyour credit card, and you have tried in good faith to correct the problem withthe merchant, you may have the right not to pay the remaining amount due onthe 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 milesof your current mailing address, and the purchase price must have been morethan $50. (Note: Neither of these are necessary if your purchase was basedon an advertisement we mailed to you, or if we own the company that soldyou the goods or services.)2. You must have used your credit card for the purchase. Purchases madewith cash advances from an ATM or with a check that accesses your creditcard 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 thepurchase, contact us in writing at the address(es) listed on your statement.While we investigate, the same rules apply to the disputed amount asdiscussed above. After we finish our investigation, we will tell you ourdecision. At that point, if we think you owe an amount and you do not pay, wemay report you as delinquent.
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