~UNION 

Visa®  Credit Card Agreement and Disclosure 

This Agreement and Disclosure Statement contains the terms and 
disclosures which apply to your Visa Credit Card Account ("Account") 
with Seven Seventeen Credit Union, Inc. 

Notice:  See  reverse  side  for  important  information  regarding  your 

rights to dispute billing errors. 

1.  Meaning  of  Words.  The  following  words  have  the  following 
meanings in this Agreement and in the monthly billing statement mailer 
hereunder: 

(a)  "Agreement"  means  the  Visa  Credit  Card  Agreement  and 

Disclosure furnished by us. 

(b)  "We",  "Us"  and  "Ours"  mean  Seven  Seventeen  Credit  Union, 

Inc., (7 17 CU) Warren, Ohio. 

(c) "You" and "Your" means each person who signs this Agreement, 

or Visa Credit Card Application. 

(d)  "Card"  means  any  Visa  credit  card  and  any  duplicates  and 

renewals we issue to you. 

(e) "Account" means your Visa Credit Card Line of Credit Account 
with us that contains a record of all purchases and cash advances made 
by you under this Agreement. 

(f) "Line of Credit" means the total dollar amount we approve for you 

against which you may obtain cash advances under this Agreement. 

(g)  "Advance"  means  any  credit  extended  to  you  under  this 

Agreement for any purchases or cash advances. 

(h) "Cash Advance" means (i) any credit extended to you from us or 
from any other institution that accepts the Card (ii) any withdrawal of 
cash made by using your personal identification number ("PIN") at an 
automated teller machine ("ATM") or other type of electronic terminal 
that provides access to the Visa system, or (iii) the amount of any Visa 
Convenience Check paid by us. 

(i) "Visa Convenience Checks" means any check that may be issued 
by us to you, from time to time, that directly accesses your Visa Credit 
Card  Line  of  Credit  Account.  The  amount  of  any  Visa  Convenience 
Check paid by us is posted as a Cash Advance under your Account. 

2. How to Use This Account: You can purchase or lease goods and 
services ("purchases") from a merchant up to your maximum credit limit 
by presenting your Card and signing a sales slip for the amount of the 
purchase. You may also use your Card: 

(a) To obtain cash advances up to your maximum credit limit from 

financial institutions that accept a Visa credit card; 

(b) By use of pre-printed Visa convenience checks that we may issue 

you from time to time; 

(c) By making withdrawals with your Card at an ATM or other type 

of electronic terminal that provides access to the Visa system; or 

(d) By first selecting your  Account to provide overdraft protection 
for your Checking Account and by issuing checks or drafts, or the accrual 
of  any  charges  against  your  Checking  or  Money  Market  Checking 
Account  with  Seven  Seventeen  Credit  Union,  Inc.  in  excess  of  its 
balance.  Advances  will  be  made  up to  your  maximum  credit  limit  by 
automatic  transfer  of  funds directly into your  predesignated  Checking 
Account(s) in multiples of $100. The fee for each transfer is $7.00. 

3.  Responsibility.  If  we  issue  you  a  Card  you  agree  to  pay  all 
advances  under  the Account plus  FINANCE  CHARGES  arising from 
the authorized use of the Card, a Visa convenience check and the Card 
account. For example, you are responsible for charges made by yourself, 
your  spouse and minor  children. You are also responsible for  charges 
made by anyone else to whom you give the Card, and this responsibility 
continues until the Card is recovered. Your obligation to 
pay the Account balance continues even though an agreement, divorce 
decree, or other court judgment, to which we are not a party, may direct 

you or one of the other persons responsible to pay the Account. If more 
than  one  person  signs  this  Agreement,  you  are  jointly  and  severally 
responsible for all charges on the Account. 

4.  Liability  for  Unauthorized  Use.  You,  the  cardholder,  are  not 
liable for any unauthorized transaction that is processed over the Visa 
network. You should notify us immediately in the event your Card is lost 
or stolen or upon your discovery of a transaction which is the result of 
fraudulent  activity  such  as the unauthorized  use  of  the  account  or  the 
Card. We reserve the right to impose liability on You, the cardholder, if 
we determine that You were negligent in the handling of the account or 
card. 

5. Lost Card Notification. To report lost or stolen Visa® credit 
cards 24 hours a day call 800-991-4965.  To report lost or stolen cards 
during normal business hours call 330-372-8100, 330-677-0001, 330-
492-1106, 330-298-0400 or 800-775-7741.  For Visa Platinum Card 
emergency assistance 24 hours a day call 800-VISA-911 
(800-847-2911). 

6. Credit Line: If we approve your application, we will establish a 
self-replenishing  Line  of  Credit  for  you  and  notify  you  of  its  amount 
when we issue the Card. You agree not to let the Account balance exceed 
this approved credit line. Each payment you make on the Account will 
restore your credit line by the amount of the payment which is applied to 
the principal balance owed on the Account. You may request an increase 
in your credit line which must be approved by us. By giving you written 
notice, we may reduce your credit line from time to time, or with good 
cause,  revoke  your  Card  and  terminate  this  Agreement.  Good  cause 
includes  your  failure  to  comply  with  this  Agreement,  or  our  adverse 
reevaluation  of  your  credit  worthiness.  You  may  also  terminate  this 
Agreement at any time, but termination by either of us does not affect 
your  obligation  to  pay  the  Account  balance.  The  Card  remains  our 
property and you must recover and surrender to us all Cards, and any 
issued but unused Visa Convenience Checks, upon our request and upon 
termination of this Agreement. 

7. Credit Information. You authorize us to investigate your credit 
standing when opening, renewing or reviewing your Account, and you 
authorize  us  to  disclose  information regarding  your  Account  to  credit 
bureaus and other creditors who inquire of us about your credit, to the 
extent authorized by our bylaws. 

8. Payments. We will deliver a statement every month showing the 
previous balance comprised of purchases and cash advances, the current 
transactions  on  the  Account,  the  remaining  credit  available  under  the 
credit limit, the new balance of purchases and cash advances, the total 
new balance, the FINANCE CHARGE due to date, and the minimum 
payment  required.  Each  month  you  must  pay  at  least  the  minimum 
payment shown on your statement by the date specified on the statement 
or no later than 25 days from the statement closing date, whichever is 
later. If your statement says the payment is "Now Due," your payment is 
due no later than 25 days from the statement closing date. You may pay 
more frequently, pay more than the minimum payment or pay the Total 
New Balance in full. If you make extra or larger payments, you are still 
required  to  make  at  least  the  minimum  payment  each  month  your 
Account has a balance (other than a credit balance). 

Payment  checks  must  be  drawn  on  a  financial  institution  or  other 
entity  domiciled  in  the  United  States.  Otherwise,  posting  of  your 
payment may be delayed if presentment of a check is drawn on a non-
United States domiciled financial institution or entity. The payment will 
not be credited to your  account until the funds have been  collected  in 
United States dollars. You also agree to allow the Credit Union to debit 
your  account  for  any  collection  of  processing  fees  associated  with 
handling this payment. 

The  minimum  payment  for  the  Visa  Platinum  Rewards  and  Visa 
Platinum card will be either Two percent (2%) of your total New Balance 
or $10, whichever is greater or your total new balance, if it is less than 

Ten Dollars ($10) plus any portion of the minimum payment(s) shown 
on prior statement(s) which remains unpaid. 

costs  and  reasonable  attorneys'  fees.  We  can  also  exercise  any  other 
rights given by law when you are in default. 

We  also  have  the  right  to  demand  immediate  payment  of  any 

amount by which you are over your credit limit. 

We  will  apply  your  minimum  payment  first  to  the  FINANCE 
CHARGE  on  balance  transfers,  cash  advances  and  purchases,  then  to 
fees, then to the principal balance of promotional cash advances, then to 
the  principal  balance  of  promotional  purchases,  then  to  the  principal 
balances of purchases in the order they were posted to your Account, and 
then to the principal balance of cash advances.  Any amount in excess of 
the minimum payment  will be applied to the balance with the  highest 
ANNUAL PERCENTAGE RATE. 

9. FINANCE CHARGES.  You can avoid a  FINANCE CHARGE 
on purchases by paying the full amount of the New Balance of purchases 
each month within 25 days of your statement closing date.  Otherwise, 
any unpaid New Balances of purchases and subsequent purchases from 
the date they are posted to your Account will be subject to FINANCE 
CHARGES.  Cash  advances,  which  include  the  amount  of  any  Visa 
convenience  checks  or  balance  transfers  posted  to  your  account,  are 
always subject to FINANCE CHARGES from the date they are posted 
to your Account. 

In  addition  to  the  ANNUAL  PERCENTAGE  RATE  you  will  be 
charged a transaction fee of 3% of the advance for each cash advance 
with  a  minimum  of  $2.00  and  a  maximum  of  $15.00.  For  additional 
details on fees and other charges, see paragraph 19. 

A.  See Rate Addendum for Rates regarding your account. 
B.  Any increase in  the  ANNUAL PERCENTAGE  RATE  will 
take  the  form  of  additional  payments  shown  as  total  minimum 
payments on the statement. 

11. Money Transfer Services. If you receive any transmittal amount 
from  any  Money  Transfer  Service  (MTS)  provider,  you  agree  not  to 
receive more than $2,500 per day or more than $10,000 per month.  We 
may  increase  or  decrease  these  limits  from  time  to  time  at  our  sole 
discretion.  We reserve the right to accept or reject any MTS request at 
our sole discretion.  Each transmittal amount that is sent  to your Card 
will generally be posted to your Card within two (2) Business Days after 
we receive the Transmittal Amount from the Sender. 

12. Using the Card. You may use the actual Card, Account number 
and/or  PIN  to  make  transactions.  You  will  retain  the  copies  of  the 
transaction  slips  furnished  to  you  in  order  to  verify  your  monthly 
statement. 

13. Returns and Adjustments. Merchants and others who honor the 
Card may give credit or returns or adjustments, and they will do so by 
sending us  a  credit  slip,  which  we  will  post  to  your  Account.  If  your 
credits and payments exceed what you owe us, we will hold and apply 
this credit balance toward future purchases and Cash Advances, or if it 
is one dollar or more, refund it on your written request or automatically 
after three months. 

14.  Using  Visa  Convenience  Checks.  You  may  use  your  Visa 
Convenience Checks, if available, as you would use your Card to obtain 
a  Cash  Advance  or  to  make  a  purchase  or  payment.  Your  Visa 
Convenience  Checks  directly  access  your  Account.  All  purchases, 
payments and Advances made with a Visa Convenience Check and paid 
by us are treated as Cash Advances hereunder and, except as otherwise 
indicated, are subject to all terms of this Agreement pertaining to Cash 
Advances and to the following additional terms: 

C.  The following information is applicable to each of our Visa 

A.  No Visa Convenience Check may be used to make a payment on 

Credit Card Line of Credit Accounts: 
The  principal  balances  of  purchases  and  cash  advances  are 
determined  each  day  during  the  statement  period,  beginning  with  the 
principal portion of your previous balances, reduced by payments made 
and  credits  we  apply,  and  increased  by  purchases  and  cash  advances 
made and debit adjustments we make during the statement period.  The 
daily principal balances are totaled and divided by the number of days in 
the statement period, to produce separate average daily principal balances 
for  purchases  and  cash  advances  to  which  the  periodic  rate  is  then 
applied. 

Any increase in the ANNUAL PERCENTAGE RATE will take the 
form of additional payments shown as total minimum payments on the 
statement. 

10. Default. You will be in default if you fail to make any minimum 
payment or other required payment by the date that it is due. You will be 
in default if you break any promise you make under this Agreement. You 
will be in default if you die, file for bankruptcy, or become  insolvent, 
that is, unable to pay your obligations when they become due. You will 
be in default if you make any false or misleading statements in any credit 
application or update of credit information. You will also be in default if 
something  happens  which  we  believe  may  substantially  reduce  your 
ability to repay what you owe. When you are in default we can demand 
immediate payment of the entire amount you owe under this Agreement 
without giving you advance notice. If immediate payment is demanded, 
you will continue to pay interest, at the applicable interest rates in effect 
under this Agreement, until what you owe has been repaid. If demand 
for immediate payment has been made, the shares and deposits given as 
security for payment under this Agreement can be applied towards what 
you owe. We may also take appropriate action as authorized under the 
Uniform Commercial Code to repossess any and all collateral pledged to 
secure repayment under this Agreement. To the extent permitted by law, 
you will also be required to pay our collection expenses, including court 

your Account. 

B.  Only the person whose name appears on a Visa Convenience 

Check may use them. 

C.  Visa Convenience Checks must be written in U.S. Dollars in an 
amount not less than $100. Visa Convenience Checks may not be 
certified. 

D.  We may return a Visa Convenience Check unpaid if there is not 
enough  available  credit  on  your  Account  to  pay  it,  if  your 
Account is in default, or if your Card or any Visa Convenience 
Checks  have  been  reported  lost  or  stolen.  A  $35  fee  will  be 
charged for each returned Visa Convenience Check unless it has 
been reported lost or stolen. 

E.  If  you  are  issued  checks  to  access  your  account  and  you  stop 
payment on a check, your account will be charged $35 for each 
stop payment. 

15. Foreign Transactions. Purchases and Cash Advances made in 
foreign countries and foreign currencies will be billed at a rate selected 
by Visa from the range of rates available in wholesale currency markets 
for the applicable central processing date, which rate may vary from the 
rate Visa itself receives, or the government-mandated rate in effect for 
the applicable central processing date; in each instance, plus or minus 
any adjustment determined by the Issuer.  The adjustment may show as 
a separate entry on your account. You may be blocked from using your 
card in any country with which the US has sanctions and or high fraud 
countries. 

16.  Internet Transactions:  You are blocked from using your card 

on any internet gambling sites. 

17.  Merchant  Disputes.  We are not  responsible for  the refusal  of 
any  merchant  or  financial  institution  to  honor  your  Card  or  Visa 
Convenience Checks. 

18.  Overdrafts.  You  may  use  your  Visa  Account  as  part  of  your 
overdraft protection plan for your  7 17 Checking Account. Overdrafts 
will be handled in accordance with our overdraft procedures as stated in 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
the Membership and Share Account Agreement and Disclosure that you 
received  when  you  opened  your  Account  and/or  by  your  overdraft 
protection options that you signed with us. 

19. Fees and Other Charges. The following fees and other charges 

will be added to your Account, as applicable: 

A.  Annual Fee. None. 
B.  Late Payment Fee. If you fail to pay the minimum payment 
on your Account within ten (10) days of the disclosed due date, 
a late payment fee of up to $35 will be added to your Account. 
C.  Over-Limit  Fee.  If  your  balance  exceeds  your  established 
credit limit at any time during the statement period, an over-
the-credit limit fee of up to $35 will be added to your Account. 
Unless  you  provide  us  your  consent,  we  will  decline  any 
transaction  that  causes  you  to  go  over  your  established 
credit limit.  Only when you have opted-in to over-the-credit 
limit  transactions,  through  any  of  the  options  below,  Seven 
Seventeen  may  allow  you  to  exceed  your  credit  limit  and 
charge an over-the-credit limit fee of up to $35 for doing so. 
Any over-the-limit fee charged to your account will appear on 
your VISA® Statement.  You will only pay one fee per billing 
cycle, even if you go over your limit multiple times in the same 
cycle.  If you remain over your credit limit for the following 
two (2) billing cycles, you will be charged an over-the-credit 
limit fee in each billing cycle.  Even if you request over-the-
credit-limit  coverage,  in  some  cases  we  may  still  decline  a 
transaction that would cause you to go over your limit, such as 
if  you  are  past  due  or  significantly  over  your  credit  limit. 
Important:  You have the right to revoke your over-the-credit-
limit coverage at any time. 
To authorize or rescind over-the-credit-limit transactions 
on your Seven Seventeen VISA, simply: 







Call us at any of these numbers: 330-372-8100, 330-
726-0344,  330-793-2495,  330-677-0001,  330-534-
9002, 330-492-1106, 330-298-0400, 800-775-7741 
Visit any branch office (call or visit www.717cu.com 
for locations) 
Go to www.717cu.com to Opt in online. 

You  may  not  opt-in  to  over-limit  transactions  on  Share 
Secured VISA® cards.  Based on your account status, we may 
choose to not permit you to opt-in or we may opt you out of 
the program. 

D.  Returned  Payment  Fee.  If  a  payment  is  returned  for  any 
reason,  you  will be assessed  a $35.00  returned payment  fee. 
This fee may be added to your loan balance. 

E.  Card  Replacement  Fee.  You  will  be  charged  $5  for  each 

replacement Card that is issued to you for any reason. 

F.  Application Fee. If, as a condition for opening your Account, 
we require your Visa Account to be share-secured, you may be 
charged an application fee of $25. 

G.  Cash Advance Fee. You will be charged a transaction fee of 
3% of the Advance Amount for each Cash Advance (minimum 
$2,  maximum  $15).  You  will  be  charged  a  transaction  fee 
(minimum $2, maximum $15) equal to 3% of the amount of 
each Visa Convenience Check paid by us and posted to your 
Account as a Cash Advance 

H.  Balance Transfer Fee.  For each Balance Transfer completed 
during  the  promotional  introductory  period,  you  will  be 
charged a transaction fee of 3% of the transfer amount, or $5, 
whichever is greater.  No Balance Transfer Fee will apply after 
the promotional introductory period. 

research in connection with your Account, we will charge you 
a fee of $12.50 per half hour for our research time and $.15 for 
each page of copied material (except when the request is made 
in connection with a billing error made by us). 

J.  Returned  Statement  Fee.  You  will  be  charged  $3  for  each 

statement that is returned to us as undeliverable. 

K.  Copies of Visa Slips. You will be charged $10 for each copy 

of a Visa slip that you request. 

L.  Stop Payment on Check. You will be charged $35 for each 
stop payment made on your Visa Convenience Checks. If the 
check  is  presented  for  payment  you  will  be  charged  an 
additional $5. 

M.  Transaction Fee for Purchase and Cash Advance Made in 
Foreign Currency. You will be charged 3% of the amount of 
foreign currency transaction after conversion to US dollars. 
N.  Transaction Fee for Purchase and Cash Advance Made in 
a Foreign Country in US Currency. You will be charged 3% 
of the amount of the transaction. 

O.  Priority Card Fee.  $15.00 

20. Skip Payment Option. We may allow you, from time to time, to 
omit a monthly payment. We will notify you as to any month in which 
the option is available.  If you omit a payment, FINANCE CHARGES 
and  insurance  premiums,  if  any,  will  accrue  on  your  balance  in 
accordance with this Agreement.  A skip payment does  not extend the 
period  within  which  you  must pay the New Balance Total in  order  to 
completely  avoid  FINANCE  CHARGES  on  purchases.  A  minimum 
payment will be due in the month following the month in which you skip 
your payment. 

21.  Effective  Agreement.  This  Agreement  is  a  contract  which 
applies to all transactions on your Account, even though the sales, Cash 
Advances,  credits  or  other  slips  you  sign  or  receive,  may  contain 
different  terms.  We may amend  this Agreement  from  time to time by 
sending you advance written notice as required by law. Your use of the 
Card,  or  Visa  Convenience  Check,  thereafter  will  indicate  your 
agreement to any such amendment. To the extent the law permits, and as 
we indicate in our notice to you, amendments will apply to your existing 
Account balance as well as to future transactions. This Agreement shall 
be  construed  in  accordance  with  the  laws  of  the  State  of  Ohio  and 
relevant Federal Laws. 

22. Security Interest. You agree that the Credit Union has a security 
interest  in  the  account  as  identified  in  the  Credit  Card  Application. 
Further, you agree that future funds deposited in that account are also 
subject to the Credit Union's security interest. In no event shall the Credit 
Union take a security interest in Individual Retirement Accounts or other 
accounts,  which  it  is  forbidden  to  attach  by  law.  Collateral  securing 
other loans with us may also secure this loan. 

23. Illegal use of Card. Any financial service provided by the Credit 
Union may only be used for any transaction permitted by law. You agree 
that  illegal  use  of  any  financial  service  will  be  deemed  an  action  of 
default and/or breach of contract and such service and/or other related 
services may be terminated at the discretion of the Credit Union. You 
further agree, should illegal use occur, to waive the right to sue the Credit 
Union for such illegal activity directly or indirectly related to it. You also 
agree to indemnify and hold the Credit Union harmless from any suits or 
other legal action or liability, directly or indirectly, resulting from such 
illegal use. Such illegal use includes but is not limited to gambling and 
any withdrawal of funds with the intent to conduct illegal activity.  You 
agree not to use your card or allow your card to be used for any illegal 
transaction. 

24. Transfer of Account. You cannot transfer or assign your account 

to any other person. 

I.  Additional Charges.  Whenever  we are requested by you  or 
any other person not connected with us, to conduct any type of 

25.  ScoreCard  Rewards. 

If  you  have  our  Platinum  Rewards 
Card;  for  every  purchase  you  make  you  earn  Bonus  Points  with  the 

ScoreCard Rewards program.  Bonus Points are redeemable toward the 
best in brand-name merchandise, cash, gift cards and travel awards.  See 
www.scorecardrewards.com for full details.  Purchases made by or for a 
business  or  for  business  purposes  and  unauthorized/fraudulent 
transactions  do  not  earn  points.  We  may  discontinue  the  Score  Card 
Rewards service at any time. 

YOUR BILLING RIGHTS 
KEEP THIS DOCUMENT FOR FUTURE USE 

This notice tells you about your rights and our responsibilities under 

the Fair Credit Billing Act. 

WHAT TO DO IF YOU FIND A MISTAKE ON YOUR 
STATEMENT 

If you think there is an error on your statement, write to us at: 

Seven Seventeen Credit Union, Inc. 
ATTN: VISA 
3181 Larchmont Ave. NE 
Warren, OH  44483-2498 

You may also contact us on the Web: www.717cu.com 
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. 

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  (or 
electronically).  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: 
 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. 

 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 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 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 (or electronically) at: 
Seven Seventeen Credit Union, Inc. 
ATTN: VISA 
3181 Larchmont Ave. NE 
Warren, OH  44483-2498 
www.717cu.com 
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. 

The  Federal Equal Credit  Opportunity Act  prohibits creditors from discriminating  against 
any aspect of a credit transaction on the basis of race, color, religion, national origin, sex, marital 
status or age (provided the applicant has the capacity to contract); or because all or part of the 
applicants’ income derives from any public assistance program; or because the applicant has in 
good faith exercised any right under the Consumer Credit Protection Act. 

3181 Larchmont Ave NE 

Warren, Ohio 44483 330-372-8100 

www.717cu.com 

T:Visa Disclosure 09-19 
Rev: 09/27/19