page 1 of 4 IMPORTANT CREDIT CARD DISCLOSURES  
The following disclosure represents important details concerning your credit card. The information about costs of the card are 
accurate as of  March 1, 2019 . You can contact us toll free at (800) 448-4096 or P.O. Drawer 8, Daleville, AL 36322 to inquire if 
any changes occurred since the effective date.  
INTEREST RATES and INTEREST CHARGES:  
Annual Percentage Rate (APR) 
for Purchases & Cash 
Advances  Platinum MasterCard and  
Platinum EMV MasterCard  Platinum CU Rewards MasterCard  
9.99% to 18.00%  
depending on your credit history. 11.99% to 18.00%  
dependi ng on your credit history. 
APR for Balance Transfers  9.99% to 18.00%  depending on 
your credit history. 11.99% to 18.00% 
depending  on your credit history. 
Penalty APR and When it  
Applies  None 
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. 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. 
Minimum Interest Charge  None 
For Credit Card Tips from the 
Consumer Financial 
Protection Bureau  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:  
Fees to Open or Maintain your  
Account  
-Annual Fee:
-Application Fee:None 
None 
Transaction Fees  
-Balance Transfer:
-Cash Advance:
-Foreign Transaction:None 
3% of each advance transaction
1.10% of each trans
action in U.S. doll ars if the transacti on involv es a currency 
conversion 
1.10% of each transaction in U.S. doll ars if the transacti on does no t involve a currency 
conversion 
Penalty Fees  
-Late Payment:
-Over- the-Credit Limit:
-Returned Payment:10% of amount past due, $15 minimum
None
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 Rate : We may end your Introductory Rate and apply the standard APR disclosed above if you make a late 
payment.  page 2 of 4 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 A LL IN CREDIT UNION OR ITS SUCCESSORS. BY USING YOUR CARD, YOU 
AGREE T O ALL O F THE TERMS AND CONDITIONS SET FORTH HEREIN. 
SECURITY: 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. THE GRANTING OF THIS 
SECURITY INTEREST IS A CONDITION FOR THE ISSUANCE OF 
CREDIT UNDER THIS AGREEMENT. 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 may 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, f or 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 1-800-449-7728.  You agree  to follow up your call 
with notice in writing to us at: PO Box 31281, Tampa, FL 33631- 3281.  You 
also agree to assist us in determining the 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 have no liability for MasterCard transactions 
not authorized by you, provided that you have exercised reasonable care in 
safeguarding the Card from risk of loss or theft, and upon becoming aware of 
such loss of theft, you promtly report the loss or theft to us.  page 3 of 4 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 A LL IN CREDIT UNION OR ITS SUCCESSORS. BY USING YOUR CARD, YOU 
AGREE T O ALL O F THE TERMS AND CONDITIONS SET FORTH HEREIN. 
Minimum Payment Due; Crediting of Payments. Payments are due in the 
amount and on the date disclosed on your billing statement. The minimum 
payment is 3.00% of your total balance or $25.00, whichever is greater. 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.
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-i n-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 balance on 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. 
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 MasterCard 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.  page 4 of 4 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.
�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.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.
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 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.