CREDIT LINE ACCOUNT 
AGREEMENT AND DISCLOSURE 
THIS  IS  YOUR  CREDIT  LINE  ACCOUNT  AGREEMENT  AND  IT  INCLUDES  NECESSARY  FEDERAL  TRUTH-IN-LENDING 
DISCLOSURE  STATEMENTS,  MASTERCARD®  SECURED  AND  MASTERCARD  PLATINUM  AGREEMENTS,  AND  ANY 
SPECIAL  INSTRUCTIONS  REGARDING  THE  USE  OF  YOUR  MASTERCARD  SECURED  AND  MASTERCARD  PLATINUM 
CREDIT CARDS, AND/OR ANY OTHER ACCOUNT ACCESS DEVICE. PLEASE BE CERTAIN TO READ THIS AGREEMENT 
CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR. 

P.O. Box 261420 
9305 West Alameda Avenue 
Lakewood, Colorado 80226-9420 

Interest Rate and Interest Charges 

Annual Percentage Rate 
(APR) For Purchases 

MasterCard Secured - __________%  

This APR will vary with the market based on the Prime Rate. 

MasterCard Platinum - __________%  

This APR will vary with the market based on the Prime Rate. 

APR for Balance 
Transfers 

MasterCard Secured - __________% introductory APR until __________________ 

After that, Your APR will be __________%. This APR will vary with the market based on the 
Prime Rate. 

MasterCard Platinum - __________% introductory APR until __________________ 

After that, Your APR will be __________%. This APR will vary with the market based on the 
Prime Rate. 

APR for Cash Advances  MasterCard Secured - __________% 

This APR will vary with the market based on the Prime Rate.  

MasterCard Platinum - __________% 

This APR will vary with the market based on the Prime Rate. 

Overdraft Line of Credit - __________% 

Paying Interest 

For MasterCard, We will not charge You interest on purchases if You pay Your entire balance 
owed each month within 25 days of Your statement closing date. We will begin charging interest 
on cash advances and balance transfers on the transaction date. 

For all other Feature Categories, You will be charged interest from the transaction date. 

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 

Transaction Fees  

  Foreign Transaction 

For MasterCard, 1.00% of each transaction in U.S. dollars. 

Penalty Fees 

  Returned Payment 
Late Payment 
 

For MasterCard, up to $9.00 
For MasterCard, up to $15.00 
Except MasterCard, $15.00 

How We Will Calculate Your Balance: For MasterCard, We use a method called "average daily balance (including new purchases)." 
For all other Feature Categories, We use a method called "daily balance." In all cases see Your Agreement for details. 

Billing Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your Account 
Agreement. 

  Copyright Oak Tree Business Systems, Inc., 2012-2018. All Rights Reserved. 

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In this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean CREDIT UNION OF DENVER. The words "You" and "Your" mean each person accepting this 
Agreement. If this is a joint Account, read singular pronouns in the plural. The words "Card" and "Credit Card" mean any MasterCard Secured or MasterCard Platinum Credit 
Card issued to You by Us and any duplicates or renewals. 

You, as the Borrower, under a Credit Line Account ("Account"), understand that the following Federal Disclosure Statement and the terms and conditions found herein constitute 
Our Agreement with You. You may request advances on Your Account through a variety of means which could include (but may not be limited to) telephonic requests, advance 
request forms, vouchers, checks, charge slips, Check Cards, Credit Cards, wire transfers, direct transfers and/or wire transfers to specific payees  identified by You, direct 
transfers to Your Share/Share Draft or other Credit Union account and the like. Regardless of the means by which any advance is made, You promise to pay Us all amounts 
charged to Your Account by You or by any user who has access to Your Account, with actual, apparent or implied authority for use of Your Account, including Finance Charges 
and other fees or charges described herein. 

FEATURE CATEGORIES. Your Account has Feature Categories which may include Overdraft Line of Credit, MasterCard Secured and MasterCard Platinum. 

Feature Category 

Overdraft Line of Credit 

MasterCard Secured 

MasterCard Platinum 

Variable Rate 

Index 

Margin 

Daily 
Periodic Rate 

ANNUAL 
PERCENTAGE RATE 

___________% 

___________% 

__________   __________ 

___________% 

___________% 

__________   __________ 

___________% 

___________% 

ADVANCES. Whenever You request a transaction, We may require You to prove Your 
identity.  Advances  made  on  Your  Account  will  be  processed  according  to  the 
instructions You give Us (such as by wire transfer, direct transfer to Your Credit Union 
account or by other such means) and You authorize Us to do this, or We may draw a 
draft or check made payable to You and mail it to You. When the amount advanced 
appears on a subsequent statement, that will be conclusive evidence of Your advance 
request unless You notify Us that You disagree with any such item appearing on Your 
periodic  statement  according  to  the  provision  of  this  Agreement  titled  "Your  Billing 
Rights: Keep this Document for Future Use." You understand that whether or not any 
specific secured advance request is approved may be determined by how much equity 
You have or will have in the shares and/or certificates offered as security. 

SECURITY. As permitted by law, to secure all transactions under this Agreement in 
either  joint  or  individual  Accounts,  We  have  the  right  to  impress  and  enforce  a 
statutory  lien  against  Your  shares  on  deposit  with  Us  (other  than  those  deposits 
established  under  a  governmental  approved  tax  deferral  plan  such  as  an  IRA  or 
Keogh account), and any dividends due or to become due to You from Us to the 
extent that You owe on any unpaid balance on Your Account and We may enforce 
Our right to do so without further notice to You. Additionally, You agree that We may 
set-off any mutual indebtedness. 

You acknowledge that You own any certificates, shares and/or Collateral pledged 
as  security  and  that  there  are  no  other  liens  against  them  other  than  Ours.  You 
agree to perform all acts which are necessary to make Our security interest in the 
certificates, shares and/or Collateral being pledged enforceable. 

For  advances  under  any  Feature  Category  that  is  secured  by  certificates,  all 
certificates which are pledged as Collateral must be renewed until Your outstanding 
balance is paid in full. Failure to renew any certificates securing any advance will 
cause Your entire outstanding balance to become immediately due and payable. 

OTHER SECURITY. Collateral (other than household goods or any dwelling) given 
as security under this Agreement or for any other loan You may have with Us will 
secure all amounts You owe Us now and in the future if that status is reflected in 
the "Truth-in-Lending Disclosure" in any particular Agreement evidencing such debt. 

CONSENSUAL  LIEN  ON  SHARES.  If  You  have  been  issued  a  debit  Card  or 
Credit Card, You grant and consent to a lien on Your shares with Us (except 
for IRA and Keogh accounts) and any dividends due or to become due to You 
from  Us  to  the  extent  You  owe  on  any  unpaid  Credit  Card  balance  and/or 
Overdraft Line of Credit balance created through the use of Your debit Card. 

ACCOUNT  RESTRICTIONS.  In  order  to  receive  and  maintain  a  MasterCard 
Secured Feature Category, You agree to give Us a specific pledge of shares which 
will  equal  Your  Credit  Limit.  In  the  event  that  You  default  on  Your  MasterCard 
Secured Feature Category, We may apply these shares toward the repayment of 
any  amount  owed  on  such  Feature  Category.  You  may  cancel  Your  MasterCard 
Secured Feature Category at any time by paying any amounts owed on that Feature 
Category.  To  be  certain  that  Your  entire  balance  and  all  advances  are  paid,  any 
shares pledged may not be available to You for 30 days after You have cancelled 
and any outstanding balance is paid in full. 

LINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for 
each Feature Category for which You are approved. Unless You are in default, 

any Credit Limits established for You will generally be self -replenishing as You 
make payments. 

You will keep Your unpaid balance within Your Credit Limit set by Us, and You will 
pay any amount over Your Credit Limit on Our demand whether or not We authorize 
the advances which caused You to exceed Your Credit Limit. 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. 

JOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for the 
repayment of any amounts owed. If any Account access device, such as a Personal 
Identification  Number  (PIN)  is  requested and  approved, You  understand  that  any 
such Account access device(s) will be mailed only to the primary Borrower at the 
address that We have on file for You. We may refuse to follow any instructions which 
run counter to this provision. 

MINIMUM  MONTHLY  PAYMENTS  (PAYMENT  SCHEDULE).  Though  You  need 
only pay the Minimum Monthly Payments, You understand that You have the right 
to  repay  at  any  time  without  penalty.  You  also  understand  that  You  will  only  be 
charged periodic Finance Charges to the date You repay Your entire balance. You 
may make larger payments without penalty. Any partial payment or prepayment will 
not delay Your next scheduled payment. All payments to Us must be in lawful money 
of the United States. We may apply each payment to whichever Feature Category 
We wish. For all Feature Categories (except MasterCard), payments will be applied 
first  to  any  Late  Charges  owing,  then  to  the  Finance  Charge  due,  then  to  the 
outstanding principal balance. Except as required by law, We may apply MasterCard 
payments in an order of Our choosing. 

Any unpaid portion of the Finance Charge will be paid by subsequent payments and 
will not be added to Your principal balance. You understand that any delay in the 
repayment of Your unpaid balance will increase Your periodic Finance Charges and 
any  acceleration  in  the  repayment  of  Your  unpaid  balance  will  decrease  Your 
periodic Finance Charges. 

Overdraft  Line  of  Credit  Minimum  Monthly  Payments  will  be  an  amount  equal  to 
5.00% of Your Credit Limit, subject to the lesser of $25.00 or Your balance. 

MasterCard  Secured  and  MasterCard  Platinum  Minimum  Payments  will  be  an 
amount  equal  to  2.00%  of  Your  new  unpaid MasterCard  Secured  or  MasterCard 
Platinum balance at the end of each billing cycle, subject to the lesser of $15.00 or 
Your  balance,  plus  any  portion  of  the  Minimum  Payments  shown  on  prior 
statement(s) which remains unpaid, plus any amount that exceeds Your approved 
Credit Limit. 

You may, by separate agreement, authorize Us to charge Your payment directly to 
Your share or share draft account. 

LATE CHARGE (EXCEPT MASTERCARD). If Your payment is more than 10 days 
past due, You will be charged $15.00. 

FINANCE  CHARGES  (EXCEPT  MASTERCARD).  A  Finance  Charge  will  be 
assessed  on  any  unpaid  principal  balance  for  each  Feature  Category  of  Your 
Account  for  the  period  such  balance  is  outstanding.  Balances  change  each  time 
advances  are  made,  payments  are  made  or  credits  given  under  any  Feature 

Copyright Oak Tree Business Systems, Inc., 2012-2018. All Rights Reserved. 

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Category. The Finance Charge begins to accrue on the date of each advance and 
there is no grace period. 

HOW TO DETERMINE THE FINANCE CHARGE (EXCEPT MASTERCARD). For 
all Feature Categories (except MasterCard), the Finance Charge is determined by 
multiplying Your unpaid balance at the close of each day in the billing cycle being 
accounted  for  by  the  applicable  Daily  Periodic  Rate.  The  unpaid  balance  is  the 
balance  each  day  after  payments,  credits,  and  unpaid  Finance  Charges  to  that 
balance have been subtracted and any new advances, insurance premiums or other 
charges have been added to Your unpaid balance. These daily Finance Charges 
are then added together and the sum is the amount of the Finance Charge owed for 
the Feature Category being accounted for. The total Finance Charge You owe on 
Your Account for each billing cycle is the sum of all the Finance Charges due for all 
applicable Feature Categories. 

MASTERCARD FINANCE CHARGES. In the case of any transactions under Your 
MasterCard Secured and MasterCard Platinum Feature Categories, the balances 
subject to the periodic Finance Charge are the average daily transactions balances 
outstanding during the month (including new transactions). To get the average daily 
balance, We take the beginning balance of Your Account each day, add any new 
purchases,  cash  advances,  balance 
insurance  premiums,  debit 
adjustments  or  other  charges  and  subtract  any  payments,  credits  and  unpaid 
Finance Charges. This gives Us the daily balance. Then, We add up all the daily 
balances for the billing cycle and divide them by the number of days in the billing 
cycle. The Finance Charge for a billing cycle is computed by multiplying the average 
daily  balance  subject  to  a  Finance  Charge  by  the  Daily  Periodic  Rate  times  the 
number of days in the billing cycle. 

transfers, 

You can avoid Finance Charges on purchases by paying the full amount of the entire 
balance owed each month within 25 days of Your statement closing date. Otherwise, 
the new balance of purchases, and subsequent purchases from the date they are 
posted to Your Account, will be subject to a Finance Charge. Cash advances and 
balance transfers are always subject to a Finance Charge from the later of the date 
they are posted to Your Account or from the first day of the billing cycle in which 
such transaction is posted to Your Account. 

For MasterCard Secured balance transfer transactions that occur during the period 
of  __________________  through  _________________  ,  such  transactions  will 
accrue finance charges at an introductory Daily Periodic Rate of _____________% 
(corresponding  to an  ANNUAL  PERCENTAGE  RATE  of  _____________%)  until 
that  occur  after 
transfer 
__________________.  Balance 
____________________  will  be  subject  to  the  non-introductory  variable  rate 
described elsewhere in this Agreement. 

transactions 

For MasterCard Platinum balance transfer transactions that occur during the period 
of _________________ through _________________ such transactions will accrue 
finance  charges  at  an  introductory  Daily  Periodic  Rate  of  _____________% 
(corresponding  to an  ANNUAL  PERCENTAGE  RATE  of  _____________%)  until 
__________________.  Balance 
that  occur  after 
transfer 
____________________  will  be  subject  to  the  non-introductory  variable  rate 
described elsewhere in this Agreement. 

transactions 

MASTERCARD  VARIABLE  RATE.  MasterCard  advances  (other  than  balance 
transfer  transactions  made  during  the  introductory  rate  period)  are  subject  to  a 
Variable Rate which is based on the highest Prime Rate as published in the Money 
Rates  Section  of  The  Wall  Street  Journal  in  effect  on  the  last  day  of  May  and 
November of each year ("Index") plus Our Margin. The Index plus the Margin equals 
the Interest Rate. Changes in the Index will cause changes in the Interest Rate on 
the  1st  day  of  the  billing  cycle  in  January  and  July  of  each  year.  Increases  or 
decreases in the Interest Rate will cause like increases or decreases in the Finance 
Charge  and  will  affect  the  number  of  Your  regularly  scheduled  payments.  Your 
Interest  Rate  will  never  be  greater than 20.99%  and  will  apply to  Your remaining 
principal balance. 

OVERDRAFT PROTECTION. We may transfer funds in multiples of $100.00 (or in 
such  increments  as  We  may  from  time  to  time  determine)  to  Your  share  draft 
account by an advance on Your Overdraft Line of Credit Feature Category, subject 
to this provision, to clear any Overdraft on Your share draft account. Whether or not 
such transfers occur will be controlled by this Agreement. In any event, You hold Us 
harmless for any and all liability which might otherwise arise if the transfer does not 
occur. Overdraft protection automatically ceases if this Agreement is ever cancelled 
or terminated or Your Account is in default. 

PERIODIC  STATEMENTS.  On  a  regular  basis,  You  will  receive  a  statement 
showing  all  transactions  on  Your  Account  including  amounts  paid  and  borrowed 
since Your last statement. We will mail You a statement each month in which there 
is  a  debit  or  credit  balance  or  when  a  Finance  Charge  is  imposed. We  need  not 
send You a statement if We feel Your Account is uncollectible or if We have started  

collection proceedings against You because You defaulted. EACH STATEMENT IS 
DEEMED  TO  BE  A  CORRECT  STATEMENT  OF  ACCOUNT  UNLESS  YOU 
ESTABLISH  A  BILLING  ERROR  PURSUANT  TO  THE  FEDERAL  TRUTH-IN-
LENDING ACT. 

DEFAULT. You will be in default if: (a) You do not make any payment or perform 
any obligation under this Agreement, or any other agreement that You may have 
with Us; or (b) You should die, become involved in any insolvency, receivership or 
custodial proceeding brought by or against You; or (c) You have made a false or 
misleading statement in Your credit application and/or in Your representations to Us 
while You owe money on Your Account; or (d) A judgment or tax lien should be filed 
against You or any attachment or garnishment should be issued against any of Your 
property or rights, specifically including anyone starting an action or proceeding to 
seize  any  of  Your funds  on  deposit with  Us;  and/or  (e) We should,  in good faith, 
believe  Your  ability  to  repay  Your  indebtedness  hereunder  is  or  soon  will  be 
impaired, time being of the very essence. 

Upon  any  occurrence  of  default, We  may,  to  the  extent  permitted  by  law,  cancel 
Your  rights  under  this  Agreement,  require  the  return  of  all  access  devices  and 
declare the entire balance of every Feature Category of Your Account immediately 
due and payable, without prior notice or demand. 

COLLECTION  COSTS.  In  the  event  collection  efforts  are  required  to  obtain 
payment on this Account, to the extent permitted by law, You agree to pay all court 
costs,  private  process  server  fees,  investigation  fees  or  other  costs  incurred  in 
collection  and  reasonable  attorneys'  fees  incurred  in  the  course  of  collecting  any 
amounts owed under this Agreement or in the recovery of any Collateral. 

ENFORCEMENT. We do not lose Our rights under this or any related agreement if 
We delay enforcing them. We can accept late payments, partial payments or any 
other payments, even if they are marked "paid in full" without losing any of Our rights 
under  this  Agreement.  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. 

NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move 
or otherwise have a change of address. 

CHANGE IN TERMS. We may change the terms of this Agreement by mailing or 
delivering to You written notice of the changes as prescribed by the Federal Truth-
In-Lending Act. To the extent permitted by law, the right to change the terms of this 
Agreement  includes,  but  is  not  limited  to,  the  right  to  change  the  periodic  rate 
applicable to Your unpaid balance and/or future advances. 

CREDIT INSURANCE. Credit insurance is not required for any extension of credit 
under this Agreement. However, You may purchase any credit insurance available 
through Us and have the premiums added to Your outstanding balance. If You elect 
to do so, You will be given the necessary disclosures and documents separately. 

INTEGRATED  DOCUMENTS.  Any  separate  sheet  of  paper 
labeled 
"Additional  Disclosure  -  Federal  Truth-In-Lending  Act,"  and/or  "Credit  Line 
Account Advance Request and Security Agreement" which is delivered together 
with  this  Agreement  or  at  a  later  date  becomes  an  integrated  part  of  this 
Agreement and Disclosure. 

CONSENT  TO  AGREEMENT.  You  acknowledge  receipt  of  a  copy  of  this 
Agreement.  By signing the  application;  or  by  using  Your Account or any  Account 
access device;  or by authorizing another to  use Your  Account,  You agree to  and 
accept its terms. 

UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts 
to  update  information  contained  in  Your  original  Account  application  or  other 
financial information related to You, at Our request. You also agree that We may, 
from  time  to  time,  as  We  deem  necessary,  make  inquiries  pertaining  to  Your 
employment,  credit  standing  and  financial  responsibility  in  accordance  with 
applicable  laws  and  regulations.  You  further  agree that We may  give  information 
about the status and payment history of Your Account to consumer credit reporting 
agencies, a prospective employer or insurer, or a state or federal licensing agency 
having any apparent legitimate business need for such information. 

TERMINATION.  Either  You  or  We  may  cancel  Your  Account  or  any  particular 
Feature Category of Your Account, at any time, whether or not You are in default. 
You  will,  in  any  case,  remain  liable  to  pay  any  unpaid  balances  according  to  the 
terms of Your Account. 

GOVERNING LAW. This Agreement is controlled and governed by the laws of the 
State  of  Colorado  except  to  the  extent  that  such  laws  are  inconsistent  with 
controlling federal law. 

Copyright Oak Tree Business Systems, Inc., 2012-2018. All Rights Reserved. 

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SPECIFIC TERMS APPLICABLE TO YOUR MASTERCARD 
SECURED AND MASTERCARD PLATINUM CREDIT CARDS 

What To Do If You Find A Mistake On Your Statement 

USE OF YOUR CARD. You may use Your Card to buy goods and services in any 
place  that  it  is  honored  and  to  get  cash  advances  at  participating  financial 
institutions. You agree not to use Your Card for illegal transactions including, but not 
limited to, advances made for the purpose of gambling and/or wagering where such 
practices are in violation of applicable state and/or federal law. 

If You think there is an error on Your statement, write to Us at Our address shown 
in this Agreement. 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. 

OWNERSHIP. 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 its use 
immediately upon Our request. 

You must contact Us: 

ISSUANCE  OF  A  PERSONAL IDENTIFICATION  NUMBER. We  will  issue, upon 
Your  request,  a  Personal  Identification  Number  (PIN)  for  use  with  participating 
Automated  Teller  Machines  (ATMs).  This  PIN  is  confidential  and  should  not  be 
disclosed to anyone. You may use Your PIN 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 Fund Transfer, the terms and conditions of Your Electronic 
Fund Transfer Agreement may also affect Your rights. 

EFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other 
slips You may sign or receive when using Your Card contain terms, this Agreement 
is the contract which solely applies to all transactions involving the Card. 

UNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card. 
You will not be liable for the unauthorized use that occurs after You notify Us of the 
loss, theft, or possible unauthorized use by calling Us at (866) 820-5890 or by writing 
to  Us at  the address shown  in  this Agreement. In  any case, Your  liability  will  not 
exceed $50.00. 

REFUSAL  TO  HONOR  CARDS.  We  are  not  liable  for  the  refusal  or  inability  of 
merchants,  financial  institutions  and  others  to  accept  the  Cards,  or  electronic 
terminals to honor the Cards or complete a Card withdrawal, or for their retention of 
the Cards. 

FOREIGN TRANSACTIONS. For transactions initiated in foreign currencies, the 
exchange  rate  between  the  transaction  currency  and  the  billing  currency  (U.S. 
dollars) will be: (a) a rate selected by MasterCard from the 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  (b)  the  government-
mandated  rate  in  effect  for  the  applicable  central  processing  date.  For  all 
transactions initiated in foreign countries, You will be charged 1.00% calculated 
on the final settlement amount. 

TRANSACTION  SLIPS.  Your  monthly  statement  will  identify  that  merchant, 
electronic  terminal  or  financial  institution  at  which  transactions  were  made,  but 
sales, cash advances, credit or other slips cannot be returned with the statement. 

LATE  CHARGE.  If  Your  payment  is  more  than  10  days  past  due,  You  will  be 
charged the lesser of: (a) the amount of the minimum payment due; or (b) $15.00. 

OTHER FEES AND CHARGES. You will be charged the following fees associated 
with the use of Your Card: (a) the lesser of $9.00 or the required minimum payment 
amount for the returned payment for any check (or other negotiable instrument used 
for  payment)  which  is  returned  unpaid;  (b)  $5.00  for  each  replacement  PIN  You 
request; (c) $10.00 for each replacement Card You request; (d) $45.00 each time 
that You  request  expedited delivery  of  Your  Card; (e)  $85.00  each time  that  You 
request expedited (24-hour) delivery of a replacement Card; (f) $5.00 each time You 
request a copy of a billing statement or sales draft; and (g) $25.00 per hour each 
time You request that We research Your Account. 

LOST CARDS. To report lost or stolen Credit Cards, You will immediately call Us at 
(800) 449-7728 or write to Us at the address shown in this Agreement. 

CREDITS.  If  a  merchant  who  honors  Your  Card  gives  You  credit  for  returns  or 
adjustments,  they  will  do  so  by  sending  Us  a  slip  which  will  be  posted  to  Your 
Account. If Your credits and payments exceed what You owe Us, We will hold and 
apply  this  credit  against  future  purchases  and  cash  advances,  or  if  it  is  $1.00  or 
more  refund  it  on  Your  written  request  or  automatically  deposit  it  to  Your  share 
account after six months. 

  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 

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 $50.00 
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 
$50.00. (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. 

Your Billing Rights: Keep this Document for Future Use 

If all of the criteria above are met and You are still dissatisfied with the purchase, 
contact Us in writing at Our address shown in this Agreement. 

This notice tells You about Your rights and Our responsibilities under the Fair 
Credit Billing Act. 

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. 

Copyright Oak Tree Business Systems, Inc., 2012-2018. All Rights Reserved. 

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PRICING INFORMATION ADDENDUM CREDIT 
LINE ACCOUNT AGREEMENT AND DISCLOSURE 

THIS  IS  YOUR  ADDENDUM  THAT  CONTAINS  PRICING  INFORMATION  FOR  YOUR  MASTERCARD  SECURED  AND 
MASTERCARD PLATINUM CREDIT CARDS. PLEASE BE CERTAIN TO READ THIS ADDENDUM CAREFULLY AND NOTIFY 
US AT ONCE IF ANY PARTS ARE UNCLEAR. 

P.O. Box 261420 
9305 West Alameda Avenue 
Lakewood, Colorado 80226-9420 

Interest Rate and Interest Charges 

Annual Percentage Rate 
(APR) For Purchases 

MasterCard Secured - _________% 

This APR will vary with the market based on the Prime Rate. 

MasterCard Platinum - __________%  

This APR will vary with the market based on the Prime Rate. 

APR for Balance 
Transfers 

MasterCard Secured - __________% introductory APR until ________________  

 After that, Your APR will be __________%. This APR will vary with the market based on the  
 Prime Rate. 

MasterCard Platinum - ___________% introductory APR until ________________ 

 After that, Your APR will be ___________%. This APR will vary with the market based on the 
 Prime Rate. 

APR for Cash Advances  MasterCard Secured - __________%  

This APR will vary with the market based on the Prime Rate. 

MasterCard Platinum - ___________% 

This APR will vary with the market based on the Prime Rate. 

Paying Interest 

We  will  not  charge  You  interest  on  purchases  if  You  pay  Your  entire  balance  owed  each  month 
within 25 days of Your statement closing date. We will begin charging interest on cash advances 
and balance transfers on the transaction date. 

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 

Transaction Fees  

  Foreign Transaction 

1.00% of each transaction in U.S. dollars. 

Penalty Fees 

  Returned Payment 
Late Payment 
 

Up to $9.00 
Up to $15.00 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See Your 
Account Agreement for details. 

Billing Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your Account 
Agreement. 

MASTERCARD FINANCE CHARGES. In the case of any transactions under Your MasterCard Secured and MasterCard Platinum Feature Categories, the balances subject 
to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including new transactions). To get the average daily balance, We 
take the beginning balance of Your Account each day, add any new purchases, cash advances, balance transfers, insurance premiums, debit adjustments or other charges 
and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for the billing cycle and divide them 
by the number of days in the billing cycle. The Finance Charge for a billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the 
Daily Periodic Rate times the number of days in the billing cycle. 

 Copyright Oak Tree Business Systems, Inc., 2012-2018. All Rights Reserved.  

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You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month within 25 days of Your statement closing date. Otherwise, 
the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. Cash advances and balance 
transfers are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which such transaction 
is posted to Your Account. 

For MasterCard Secured balance transfer transactions that occur during the period of __________________ through _________________ , such transactions will accrue 
finance  charges  at  an  introductory  Daily  Periodic  Rate  of  _____________%  (corresponding  to  an  ANNUAL  PERCENTAGE  RATE  of  _____________%)  until 
__________________. Balance transfer transactions that occur after ____________________ will be subject to the non-introductory variable rate described elsewhere in 
this Agreement. 

For  MasterCard  Platinum  balance  transfer  transactions  that  occur  during  the  period  of  __________________  through  ________________  such  transactions  will  accrue 
finance  charges  at  an  introductory  Daily  Periodic  Rate  of  _____________%  (corresponding  to  an  ANNUAL  PERCENTAGE  RATE  of  _____________%)  until 
__________________. Balance transfer transactions that occur after ____________________ will be subject to the non-introductory variable rate described elsewhere in 
this Agreement. 

MASTERCARD VARIABLE RATE. MasterCard advances (other than balance transfer transactions made during the introductory rate period) are subject to a Variable Rate 
which is based on the highest Prime Rate as published in the Money Rates Section of The Wall Street Journal in effect on the last day of May and November of each year 
("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle 
in January and July of each year. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect the number of Your 
regularly scheduled payments. Your Interest Rate will never be greater than 20.99% and will apply to Your remaining principal balance. 

For MasterCard Secured, Your Margin will be __________%. 

For MasterCard Platinum, Your Margin will be determined by Your creditworthiness and will be ___________% - ___________%. 

 Copyright Oak Tree Business Systems, Inc., 2012-2018. All Rights Reserved.  

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