First Technology Federal Credit Union Choice Rewards World MasterCardﬁ  
Card Agreement and Federal Truth-in-Lending Disclosure Statement 
Effective: March 1, 2022 

In  this  Choice Rewards  World  MasterCard Card  Agreement and Federal Truth -in-Lending Disclosure Statement (<Agreement and 
Disclosure Statement=) the words: 

• 

• 

• 

• 

<I,= <me,= <my= and <mine= mean any and all of those who apply for or use the First Technology Federal Credit Union Choice 
Rewards World MasterCard Card. 

<First  Tech,= <you,= <your= and <yours= mean First Technology Federal Credit  Union. 

<Card= means the Choice Rewards World MasterCard Card issued to me and any duplicates and/or renewals you may issue. 

<Account= means my Choice Rewards World MasterCard Card Account with  you. 

By requesting and receiving, signing, using or permitting others to use the Card and/or Account issued to me by you, I agree to be bound 
by the terms and conditions as set  forth herein and any amend ments thereto. 

NOTICE:  THIS DOCUMENT  CONTAINS  PROVISIONS FOR A VARIABLE  ANNUAL  PERCENTAGE RATE. 

AUTHORIZATION  AND PAYMENT 

I authorize you to pay and charge my Account for all Purchases and Cash Advances made or obtained by me or anyone I authorize  to 
use  my Card or Account. I will be obligated to pay all such Purchases and Cash Advances charged to my Account whether resulting 
from: 

1.  Actual use of my Card; 

2.  Mail order or telephone, computer or other electronic Purchases made without presenting the Card;  or 

3.  Any other circumstance where I authorize a charge, or authorize someone else to make a charge, to my Account 
(collectively, <authorized charges=). I promise to pay you or to your order in U.S. Dollars with an instrument(s) 
drawn on a financial institution in the United States at your office or at the address set  forth on my periodic 
statement, all authorized charges on the terms and at the rates set forth herein, plus any interest charges and 
FINANCE  CHARGES assessed  on my Account and any other charges and fees which I may owe you under 
the terms of this Agreement and Disclosure Statement. Payments will continue until I have paid in full the unpaid 
balance, accrued interest charges, and all collection -related charges, and any other fees and charges. 

INTRODUCTORY  AND  PROMOTIONAL RATES 

At your option, you may offer me, for a limited time, introductory or promotional rates for all or part of the new Purchase,  Advance or 
Balance Transfers posted to my Account. In the offer materials, you will tell me the introdu ctory or promotional rate and the time period 
that rate will be in effect and any offer conditions or requirements. Unless the offer materials state otherwise or my accoun t is in default, 

an introductory or promotional rate will remain in effect until the last day of the billing cycle in which the introductory or promotional rate 
expires. Any introductory or promotional rate that applies to new or outstanding Account balances will increase to the standa rd rate that 
would otherwise apply upon expiration. 

DETERMINATION  OF ANNUAL  PERCENTAGE RATE 

My ANNUAL  PERCENTAGE RATE  is determined individually and will be based in part on my credit history at the time of application. 
My Initial Monthly Periodic Rates and corresponding ANNUAL PERCENTAGE  RATES  will be set forth in a separate Account Opening 
Disclosure Addendum, which is fully incorporated and becomes part of this Agreement and Disclosure Statement.  

Page 1 of 9 

 
 
 
 
 
 
 
 
 
 
First Technology Federal Credit Union Choice Rewards World MasterCardﬁ Card 
Agreement and Federal Truth-in-Lending Disclosure Statement 
Effective: March 1, 2022 

HOW YOU DETERMINE MY ANNUAL  PERCENTAGE RATE 

My ANNUAL  PERCENTAGE RATE may increase or decrease during the term of this Agreement and Disclosure Statement Addendum. 
Any such  change will be based on an increase or decrease of the <Prime Rate= as published in the Western Edition of the Wall Street 
Journal on the 15th of each month (or the first business day thereafter in the event the 15th falls on a non -business day) (herein <Index=). 
In no event will the ANNUAL PERCENTAGE RATE  exceed the maximum rate permitted to be charged by federally-chartered Credit 
Unions. In the event the Index ceases to be published, changes in the ANNUAL PERCENTAGE RATE  will be related to a comparable 
Index of our choosing. 

The ANNUAL PERCENTAGE  RATE  initially applicable to all my Account’s Purchases, Balance Transfers and Cash Advances is set 
forth in the Account Opening Disclosure Addendum. If applicable to my account, the Penalty ANNUAL PERCENTAGE RATE is also set 
forth in the Account Opening Disclosure Addendum. 

My ANNUAL  PERCENTAGE RATE  is subject to change every month on the day following my <Statement Closing Date=. These dates 
shall be  known  as  <Adjustment Dates=. The Index in  effect as  of  the 15th of  the  month shall be used  to calculate the  ANNUAL 
PERCENTAGE  RATE  change effective as of the Adjustment Date. For example, the Index in effect on January 15th will be used to 
calculate the ANNUAL PERCENTAGE  RATE  change effective as of the Adjustment Date in February of the same year. You add a 
<margin= to the index value to calculate  my ANNUAL  PERCENTAGE  RATES.  The amount of my margins for purchases,  b alance 
transfers,  and cash advances appears on  the Account Opening Disclosure Addendum. Decreases in the  ANNUAL  PERCENTAGE 
RATE  in accordance with the terms  of  this  Agreement and Disclosure Statement Addendum are mandatory and increases in the 
ANNUAL  PERCENTAGE  RATE  are at your discretion. If the ANNUAL PERCENTAGE  RATE  and Monthly Periodic Rate increases or 
decreases,  the interest charge will increase or decrease. Each change in the  ANNUAL PERCENTAGE RATE  and Monthly Periodic 
Rate will apply to any balance outstanding on the effective date of such change, as well as to future purchases and cash advances to 
the extent permitted by law. Any increase or decrease in the ANNUAL  PERCENTAGE  RATE  may result in changes in the number of 
payments required to repay the unpaid balance and/or an increase in the minimum payment due. 

MONTHLY PERIODIC RATE,  ANNUAL  PERCENTAGE RATE  AND  PENALTY ANNUAL  PERCENTAGE RATE  

The interest charge for each billing cycle will be calculated by applying the monthly periodic rate to the Avera ge Daily Balance (described 
below) for my account. The Monthly Periodic Rate is determined by dividing the ANNUAL PERCENTAGE RATE  by 12 and will change 
when the ANNUAL PERCENTAGE RATE  changes. Any changes to the ANNUAL PERCENTAGE RATE will be reflected on my periodic 
statement. 

CHANGE IN TERMS 

Account and agreement terms are not guaranteed for any period of time. I understand and agree that you may amend, modify, add  to, 
or delete from this Agreement and Disclosure Statement any of its terms and conditions, including financial terms such as  the method 
of application and the amount of any interest charge, Transaction Fee, or other  FINANCE CHARGE, ANNUAL PERCENTAGE RATE, 
monthly periodic rate, and/or fee in accordance with applicable laws. If required by appl icable law, you will mail a notice of the change 
to me at my last known address. I also understand that in the event of a significant change, as defined under the Federal Tru th in Lending 
Act/ Regulation Z, any such notice will be mailed at least forty-five (45) days prior to the effective date of the significant change as 
required by applicable law. If you are required by applicable law to provide me a right to reject significant changes to this Agreement and 
Disclosure Statement prior to the effective date of such changes, you will provide me with an explanation of how to reject the significant 
changes. This does not apply if I fail to make a required minimum payment within sixty (60) days after its due date. You may change the 
terms of this Agreement and Disclosure Statement based on information in my credit report, market conditions, business strategy, or for 
any other reason. You will provide me a notice of a change in terms as required by law.  

HOW INTEREST  CHARGES ARE CALCULATED 

The interest charge for each billing cycle is the sum total of the interest charges calculated for each transaction category (cash, purchase, 
etc.).  Interest charges on a transaction category are calculated by applying the MONTHLY PERIODIC RATE of that transaction category 
to the Average Daily Balance of that transaction category.  The Average Daily Balance for each transaction category is determined by 
adding together the balance at the end of each day in the billing cycle and dividing by the number of da ys in the cycle. 

HOW YOU CALCULATE  MY MINIMUM PAYMENT 

Every month, I must pay at least the Minimum Payment Due by the Payment Due Date shown on my periodic statement. By separate 
agreement, I may authorize you to automatically transfer the Minimum Payment Due from my First Tech share or share draft acco unt. I  
may pay more frequently, pay more or pay the New Balance in full, and I will reduce my interest charges by doing so. The Mini mum 
Payment Due will be either: 

2% of my New  Balance, or $25.00, whichever is greater; or  

 
  My New Balance, if less than $25.00. 
 

In addition, I must pay any amount on my periodic statement listed as past due along with any late charge.  

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First Technology Federal Credit Union Choice Rewards World MasterCardﬁ Card 
Agreement and Federal Truth-in-Lending Disclosure Statement 
Effective: March 1, 2022 

HOW YOU APPLY MY PAYMENT 

Generally, my Minimum Payment will be applied first to interest, fees, and then balances with the highest  ANNUAL  PERCENTAGE 
RATE before balances with lower ANNUAL PERCENTAGE RATES.  Payments made in excess of the Minimum Payment will be applied 
to balances with the highest ANNUAL PERCENTAGE RATE  first, then in order of next highest to lowest.  If my revolving balance s have 
the same ANNUAL  PERCENTAGE RATE,  the Cash Advance balance will be paid first.  If two promotional or protected balances have 
the same ANNUAL PERCENTAGE RATE,  the oldest balance will be paid first.  My payments will be applied to balances as they appear 
on my monthly statement before being applied to new transactions.  New transactions will be paid last once all other balances are paid 
in full and will be paid from highest to lowest ANNUAL PERCENTAGE RATE. In the case that the ANNUAL PERCENTAGE RATES 
are the same the cash advance balance will be paid first. An example of a new transaction is a recent purchase or cash advanc e I made 
that has not yet been included in the New Balance as shown on my statement.  

HOW TO  COMPUTE THE PURCHASE BALANCE  UPON WHICH INTEREST  CHARGES ARE ASSESSED 

To avoid incurring additional interest charges on  the balance of Purchases  reflected on each periodic statement and on any ne w 
Purchases appearing on my next statement, I must pay the New Balance shown on each periodic statement on or before the Payment 
Due Date. The interest charges for a billing cycle are computed by applying the Monthly Periodic Rate to the average daily ba lance of 
Purchases, which is determined by dividing the sum of the daily balances for the billing cycle by the number of cycle days in the cycle. 

Each daily balance is determined by subtracting from the Previous Balance (the outstanding balance on my Account at the beginning of 
the billing cycle) any payments as received and credits as posted to my A ccount, and excluding any unpaid interest charges. You do not 
add in new Purchases. 

HOW TO  COMPUTE THE ADVANCES BALANCE  UPON WHICH PERIODIC INTEREST  CHARGES ARE ASSESSED 
The interest charges on Cash Advances and Balance Transfers begins to accrue on the t ransaction date or the first day of the billing 
cycle in which it is posted to my Account, whichever is later. There is no <free ride= period (grace period). The interest ch arges for a 
billing cycle are computed by applying the Monthly Periodic Rate to the  average daily balance during the billing cycle, which is determined 
by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance is determined 
by adding to the Previous Balance (the outstanding balance on my Account at the beginning of the billing cycle) any new Cash Advances 
or Balance Transfers made on the Account, and subtracting any payments as received or credits as posted to my Account, but ex cluding 
any unpaid interest charges. 

PREPAYMENT OR IRREGULAR PAYMENTS  

Though I need only pay the Minimum Payment Due as shown on my periodic statement, I understand that I have the right to repay  my 
entire Account balance at any time without penalty. I also understand and agree that I will only be cha rged interest charges to the date 
my payment is posted to my entire Account balance. I may make larger payments without penalty, and this may reduce the total amount 
of interest charges that I will pay. If I pay more than the Minimum Payment Due in any mon th and there is still a balance due, I must 
continue to make Minimum Payments in future months. Any partial payment of my loan will not advance my next payment due date( s). 
I understand and agree that any payment that (a) delays or (b) accelerates the repa yment of my unpaid balance will (a) increase or (b) 
decrease my Monthly Periodic interest charges. 

PAYMENTS BY AUTOMATIC  TRANSFER 

If  I request  payment by automatic transfer, I understand and agree that no payment can or will be made if there are  insufficient or 
uncollected funds in the designated deposit account to make the scheduled loan payment. Should this event occur, I understand  and 
agree that I will not be released from making the payment. Any automatic transfer I have requested will remain in effect until I cancel it 
in writing or the Account balance is paid in full. You may cancel this service at your discretion; however, I understand that  I am still 
responsible for ensuring that timely payment is made to you. 

GRACE PERIOD 

I will not incur additional interest charges if I pay the New Balance by the due date provided that either:  

1.  You received payment in full of the ending balance for the previous billing cycle by the Payment Due Date disclosed in the 

previous billing cycle’s periodic statement; or 
The previous billing cycle’s ending balance was $0. 

2. 

If I have a grace period to pay the New Balance for any billing cycle, and do not pay the New Balance in full during this gra ce period, 
interest charges will be assessed  on any portion of th e New Balance not paid during the grace period using the Average Daily Balance 
method as explained above. The Payment Due Date disclosed on each periodic statement provided to me is the last day of my gra ce 
period for that statement’s billing cycle. For more on how payments are applied to purchases, advances or balance transfers, see : <HOW 
YOU CALCULATE  MY MINIMUM PAYMENT= above. 

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First Technology Federal Credit Union Choice Rewards World MasterCardﬁ Card 
Agreement and Federal Truth-in-Lending Disclosure Statement 
Effective: March 1, 2022 

SKIP PAYMENT OPTION 
At your discretion, you may occasionally offer me an opportunity to skip my obligation to make the Minimum  Payment due. I may not 
skip  payments unless you make this offer to me. I cannot accept a skip payment offer if my Account is delinquent or in Defaul t. When I 
take advantage of a skip payment offer, the interest will continue to accrue on my Account’s entire unpaid balance. 

LATE  PAYMENT FEE 
You may charge my Account a Late Payment Fee in any month in which you do not receive the Minimum Payment Due by the payment 
due date. The late payment fee is provided in the Account Opening Disclosure Addendum.  

RETURNED  PAYMENT FEE 

If a payment you apply to my Account is returned to you unpaid for any reason, you will charge me a Returned Payment Fee. Thi s fee 
will also apply to any payments made by automatic transfer that cannot be posted due to insufficient fun ds in my regular share or 
checking account. The amount of the returned payment fee is provided in the Account Opening Disclosure Addendum.  

ADDITIONAL  FEES 

You may charge additional fees to my account in any month, as applicable. The fee types and amounts are provided in the Account 
Opening Disclosure Addendum. 

DEBT  PROTECTION  COVERAGE 

If you offer credit protection on the Account and I request it, you will calculate the premium monthly by multiplying the pre mium rate by 
the outstanding balance on the Account. You will add the premium amount to the Account balance on the Billing Cycle Closing Date. 

The purchase of this insurance is entirely voluntary and is not required for credit approval. I acknowledge receiving a copy of the credit 
protection documents which contain current rates and other information. I understand and agree that if I have requested this protection 
coverage, I will be obligated to pay the premium(s) indicated on the election form which has been included as part of my paym ent. If I 
decide to cancel such protection, I must do so in writing, and I agree to pay all premiums up to the date you act on my request to  cancel. 

CREDIT  LIMIT 

You will set a maximum credit limit for my Account. You may change the credit limit at any time, with or without notice to me, subject to 
applicable law. I agree not to exceed or attempt to exceed the credit limit. I understand and agree that all purchases, cash advances and 
other transactions requested by me, or anyone I have permitted to use the Card(s) and /or Account, are considered authorized by me 
and are subject to your approval. 

OVERDRAFT  PROTECTION 

This section applies only if I have specifically requested and have obtained Overdraft Protection linking the Account with a designated 
First  Tech checking account. An Overdraft Protection Advance is an advance of funds to my designated checking account from this 
Account that will prevent or cover overdrafts on my checking account. I authorize you to make Overdraft Protection Advances f rom the 
Account as provided in this Agreement and Disclosure Statement. Any Overdraft Protection Advance will post and be disclosed as Cash 
Advance on my periodic statement. An Overdraft Protection Advance will be made only once per day, and you will automatically transfer 
funds sufficient to cover the exact dollar amount of the overdraft. If the amount of available credit on my Card is less than th e amount of 
the overdraft, you will not advance the amount to cover the overdraft.  

If there is more than one person listed on the checking account (such as joint checking account) that I have linked for Overdraft Protection, 
then:  

1. 

I will be responsible for all Overdraft Protection advances regardless of which person writes the check or engages in any 
other transaction (such as a debit card purchase) that causes the overdraft; and 

2. 

I expressly  consent to you disclosing to any other person on that checking account, that the checking account is linked to 

this credit card account for Overdraft Protection. 

At your discretion, you reserve the right to cancel or suspend the Overdraft Protection service at any time for any reason, and you may 
impose other conditions on the Overdraft Protection service. 

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First Technology Federal Credit Union Choice Rewards World MasterCardﬁ Card 
Agreement and Federal Truth-in-Lending Disclosure Statement 
Effective: March 1, 2022 

USING THE  CARD 

I may use my card to make a purchase or obtain an advance at a p articipating MasterCard merchant or at a financial institution, using 
such means of authentication as may be required. 

My Card and/or Account may not be used directly or indirectly for: 

1.  Any illegal activity or transaction; or 

2.  Any gambling, gaming, betting or similar activity or transaction. 

Further, I may not utilize my Card and/or Account for the purchase of any goods or services on the Internet that involve gambling, gaming, 
betting or any similar transaction or activity. Such transactions include, but  may not be limited to, any quasi -cash or online gambling 
transaction, any electronic commerce transaction conducted over an open network, and any betting transaction including the pu rchase 
of lottery tickets or casino gaming chips/checks or off-track betting or wagering. However, in the event that a charge described in this 

paragraph is approved and processed, I will still be responsible for such charge.  

ELECTRONIC  FUND TRANSFER 

In the event a use  of the Card or the Account number of the Card constitutes an Electronic Fund Transfer, the terms and conditions of 

my  Electronic Fund Transfer Agreement and Disclosure with you shall govern such  transactions to the  extent the Electronic Fun d 
Transfer Agreement and Disclosure expands or amends this Agreement and Disclosure Statement. 

DEFAULT 

I will be in default if: 

1. 

2. 

I do not pay on time or in the proper amount(s); 

I fail to live up to any of the terms of this Agreement and Disclosure Statement  Addendum; 

3.  My creditworthiness is impaired; or 

4. 

I die, become insolvent or am the subject of bankruptcy or receivership proceedings. 

In the event of any action by you to enforce this Agreement and Disclosure Statement Addendum, I agree to pay the costs there of, 
reasonable attorneys’ fees, and other expenses. I understand and ag ree that I will be subject to interest charges (at the applicable 
Monthly Periodic Rate), late charges, collection costs, reasonable attorneys’ fees and court costs  under the terms disclosed  in this 
Agreement and Disclosure Statement Addendum, until I repa y my entire Account balance. 

SUSPENSION/REVOCATION OF CREDIT  PRIVILEGES AND ACCELERATION 

Upon my default, I understand and agree that you have the right to temporarily or permanently suspend or terminate any and al l Account 
and Card privileges, and/or you may demand immediate payment as permitted by law of the unpaid balance, including interest charges, 
late charges, your collection costs, reasonable attorney’s fees and court costs.  You also may increase any applicable promoti onal rate 
to the regular, non-promotional rate. 

RESPONSIBILITY 

I agree to repay you according to the terms of this Agreement and Disclosure Statement Addendum for all purchases, advances, interest 
charges, late charges and any other fees and charges if any, arising from the use of the Account by me or any other person I permit to 

use the Account, even if that person exceeds my permission. I cannot disclaim responsibility by notifying you, although you w ill close the 
Account if I so request and I will return all Cards to you. My obli gation to pay the Account balance continues even though an agreement, 
divorce decree or other court judgment to which you are not a party may direct me or one of the other persons responsible to pay the 
Account. Any person using the Account and/or Card is jointly and severally responsible with me for charges he or she makes, but if that 
person signs the Card he or she becomes a party to this Agreement and Disclosure Statement Addendum and is also responsible f or all 
charges on the Account, including mine. 

UNAUTHORIZED  USE 

I may be liable for the unauthorized use of the Card and/or the Account. I will not be liable for unauthorized use that occur s after I provide 
notification by calling 855.855.8805, or when you receive notice in writing at PO Box 2100, Beav erton, OR 97075-2100, of the loss, theft 
or possible unauthorized use. In any case, my liability for unauthorized use will not exceed $50.00. My liability may be lower in cases of 
credit card fraud in accordance with current MasterCard Rules. <Unauthorized  Use= means use of the Card on my Account, by a person 
other than me, who does not have actual, implied or apparent authority for such use, and from which I receive no benefit. Wit hout limiting 
the foregoing, <unauthorized use= does not include any use by a third party as described below under <Authorized User=. 

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First Technology Federal Credit Union Choice Rewards World MasterCardﬁ Card 
Agreement and Federal Truth-in-Lending Disclosure Statement 
Effective: March 1, 2022 

TERMINATION 

You may terminate this Agreement and Disclosure Statement Addendum upon my default. Either you or I may terminate this Agreem ent 
and Disclosure Statement Addendum for other good cause or no cause. In no event shall any termination relieve me of my obligation to 
repay sums already borrowed, interest charges, late charges, and other fees, charges and costs, if any.  

LIEN ON SHARES 

I hav e v oluntarily agreed to a lien on  shares in my MasterCard Application, I understand and agree that if I am in default, you 
may apply all shares (except IRA accounts) then  on deposit needed by  you to  repay my  loan. To  the extent you  hav e pledged 
collateral securing other loans w ith First Tech,  in the e v ent of a default on this Account, w ith the exception of  your  personal 
residence, such collateral w ill also serve as collateral for this Account.  

TRANSACTION  SLIPS 

My periodic statement will identify the merchant, electronic terminal or financial institu tion, at which the transactions were made, but 

sales, cash  advance, credit or other slips cannot be returned with the periodic statement. I will retain copies of such slips  furnished at 
the time of the transaction in order to verify my periodic statement. You may make a reasonable charge for any photocopies or slips I 
request. 

FOREIGN TRANSACTIONS 

Purchases, cash  advances and credits made in foreign currencies will be billed to my Account in U.S. dollars. The conversion to U.S. 
dollars will be made in accordance with the MasterCard Rules for currency conversion. The exchange rate between the transaction 
currency and the billing currency used for processing currency conversions is a rate selected by MasterCard. Rates may vary f rom the 
rate MasterCard itself receives or the government-mandated rate in effect for the applicable central processing date. The conversion 
rate may be different than the rate on the day of the transaction or date of the posting of the Account. When a credit to the Account does 
not fully offset a charge to the Account due to changes in the rate, I am responsible for the differences.  

RETURNS  AND  ADJUSTMENTS 

Merchants and others who honor the Account and/or Card may give credit for returns or adjustments, and they will do so by sen ding you 
a credit slip which you will post to the Account. If my credits and payments exceed what I owe you, you will hold and apply t his credit 
balance against future purchases and cash advances, or if it is $1.00 or more, refund it on my written request or au tomatically after six 
(6) months. You may refund such sums by depositing them in my First Tech membership account.  

SURRENDER OF CARD(S) 

The Card(s) remains your property and, if you request, I must surrender to you all Card(s) you have issued on the Account. 

LOST OR STOLEN  CARD, NOTIFICATION  AND LIABILITY 

I will notify you AT ONCE if I believe that the Card, Account number, PIN or any combination of the three has been lost or st olen by 
immediately calling you at 855.855.8805. Telephoning is the best way of minimizing my possible losses. I understand that my total liability 
to you shall not exceed $50.00 for any Account and/or Card transactions resulting from the loss, theft or other unauthorized use of the 
Account and/or Card that occurs prior to the time I give notice to you. In some cases my liability for unauthorized transactions will be 

zero under applicable MasterCard Rules. 

PAYMENTS MARKED <PAID IN FULL= 

You may accept checks,  money orders, or other types  of payment marked <payment in full= or u sing other language to indicate full 
satisfaction of any indebtedness, without being bound by such language or waiving any rights under this Agreement and Disclosure 
Statement Addendum. Full satisfaction of indebtedness shall be accepted by you only in a written agreement, signed by an authorized 
representative. Communications regarding any disputes must be mailed to the following address: Card Services Department, PO Box 
2100, Beaverton, OR 97075-2100. Any communications sent elsewhere, or acceptance of pa yments marked <payment in full= or the like, 
will be of no legal effect. The foregoing provision does not limit any rights I have to dispute transactions on my Account un der applicable 
federal law. Refer to <My Billing Rights= below in the Agreement and Di sclosure. 

DELAY IN ENFORCEMENT 

You can delay enforcing any of your rights under this Agreement and Disclosure Statement Addendum without losing them.  

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First Technology Federal Credit Union Choice Rewards World MasterCardﬁ Card 
Agreement and Federal Truth-in-Lending Disclosure Statement 
Effective: March 1, 2022 

GOVERNING LAW 

I understand and agree that this Agreement and Disclosure Statement is made in California and shall be governed by the laws of the 
State of  California to the extent that  California law is  not inconsistent with controlling federal law or  otherwise preempted . I also 
understand and agree that California’s choice of law rules shall not b e applied if they would result in the application of non -California 
law. 

INTEGRATED  DOCUMENT(S) 

Any separate sheet of paper labeled <Account Opening Disclosure Addendum= which is delivered together with this form is an in tegrated 
part of the Agreement and Disclosure Statement. 

MEMBERSHIP REQUIREMENT 

I understand and agree that I must be, and remain, a member in good standing with you to be eligible for continuing Account a nd/or 
Card  privileges including future purchases and advances. I understand and agre e that you may suspend the Account and/or Card 
privileges during any period in which I do not satisfactorily maintain my membership with you.  

CREDIT  INFORMATION 

I  authorize you to investigate my credit standing when opening, renewing or reviewing the Acco unt, and I authorize you to disclose 
information  regarding the Account  to credit bureaus and other creditors who  inquire of you about my credit standing to the ex tent 
authorized by law. 

CHANGE OF NAME, ADDRESS OR EMPLOYMENT STATUS 

You will send my monthly statements and Account notices to the address shown in your records. I understand and agree that I must 
report to you any change in my name, address or employment status. I must send you this information 21 days before the date a  billing 
cycle closes in order to receive my monthly statement to my new address. 

ACCURACY  OF INFORMATION 

The information provided in my request for credit (application) is accurate, and I will notify you in writing immediately if there is a change 
in my financial condition. You may retain the application. I understand that it is a violation of Section 1014, Title 18, US Code to make 
false statements or over value security for the purpose of influencing the action of any federally -insured credit union. 

AUTHORIZED  USER 

I agree not to allow access to my Card, Account number, or personal identification number (PIN) to anyone else to use my Account, 
except by asking you to issue  a card to grant Account access to another person. If I allow access to my Card or Account infor mation, I 
will be liable for any transactions conducted by that person, unless and except as expressly required by applicable law. I agree to be 

responsible for all Account transactions made by anyone who I have authorized by:  

1.  Asking you to issue a Card to grant Account access to another person, 

2. 

Lending my Card to, or 

3.  Allowing Account access by another person, or any other way in which I would be legally considered to have allowed another 

person to use my Account or to be legally prevented from denying that I did so. 

Once I allow authority to any authorized user, I cannot limit that authority unless my Account is closed to future transactions. I, as a 
primary user, must call or write you with any request to cancel and revoke a person’s authority. Any individual I authorize h as no right to 
make any Account changes. Authorized users of this account may have the same access to information about the account and its users 
as  me. First Tech may send account materials (cards, statements, and notices) to any liable party, and that person will be responsible 
for delivering those materials to the other liable parties and authorized users. Notice to any of us will be considered notice to all of us. If 
any person uses the Card, such use indicates his or her agreement to pay First Tech, and you may, at your discretion, pursue th e person 
for payment of any Outstanding Balance or any other charges they authorize. I agree to notify each authorized person that the y are 

subject to all applicable sections of this Agreement. 

COPY RECEIVED 

I acknowledge receipt of a copy of this Agreement and Disclosure Statement Addendum and agree to accept its terms.  

NOTICE:  See the statement below for important information regarding my right to dispute billing errors.  

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First Technology Federal Credit Union Choice Rewards World MasterCardﬁ Card 
Agreement and Federal Truth-in-Lending Disclosure Statement 
Effective: March 1, 2022 

My Billing Rights: Keep This Document for Future Use  

This notice tells me about my rights and your responsibilities under the Fair Credit Billing Act. 

What To  Do If I Find A Mistake On My Statement 

If I think there is an error on my statement, I must send you a secure message through online banking or write to you at:  

First Technology Federal Credit Union 
Attn: Card Services 
PO Box 2100 
Beaverton, OR 97075-2100 

In my letter online-banking message, I must give you the following information: 

• 
• 
• 

Account information: My name and account number 
Dollar amount: The dollar amount of the suspected error 

Description of problem: If I think there is an error on my bill, describe what I believe is wrong and why I believe it is a mistake. 

I must contact you: 

•  Within 60 days after the error appeared on my statement. 
• 

At least 3 business days before an automated payment is scheduled, if I want to stop payment on the amount I think is wrong. 

I must notify you of any potential errors in writing. I may call you, but if I do, you are not required to investigate any po tential errors and I 
may have to pay the amount in question. 

What Will Happen After You Receiv e My Letter 

When you  receive my letter, you must do tw o things: 

1.  Within 30 days of receiving my letter, you must tell me that you received my letter. You will also tell me if you   

have already corrected the error. 

2.  Within 90 days of receiving my letter, you must either correct the error or explain to me why you believe the bill 

is correct. 

While you  inv estigate w hether or not there has been an error: 

 

You cannot try to collect the amount in question or report me as delinquent on that amount. 

The charge in question may remain on my statement, and you may continue to charge me interest  on that amount. 

 
  While I do not have to pay the amount in question, I am responsible for the remainder of my  balance. 

 

You can apply any unpaid amount against my credit limit. 

After you  finish your  inv estigation, one of tw o things w ill happen: 

1. 
2. 

If you made a mistake: I will not have to pay the amount in question or any interest or other fees related to that amount. 
If you do not believe there was a mistake: I will have to pay the amount in question, along with applicable interest and      
fees. You will send me a statement of the amount I owe and the date payment is due. You may then report me as delinquent 
if I do not pay the amount you think I owe. 

If I receive your explanation but still believe my bill is wrong, I must write to you within 10 days telling you that I still  refuse to pay. If I do 
so,  you cannot report me as delinquent without also reporting that I am  questioning my bill. You must tell me the name of anyone to 
whom you reported me as delinquent, and you must let those organizations know when the matter has been settled between us. If  you 
do not follow all of the rules above, I do not have to pay the fi rst $50 of the amount I question even if my bill is correct. 

My Rights If I Am Dissatisfied With My Credit Card Purchases  

If I am dissatisfied with the goods or services that I have purchased with my credit card, and I have tried in good faith to  correct the 
problem with the merchant, I 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 my home state or within 100 miles of my current mailing address, and 
the purchase price must have been more than $50. (Note: Neither of these are necessary if my purchase was 

based on an advertisement you mailed to me, or if you own the company that sold me the goods or services.) 

I must have used my credit card for the purchase. Purchases made with cash advances from an ATM or with a 
check that accesses  my credit card account do not qualify. 

I must not yet have fully paid for the purchase. 

2. 

3. 

Page 8 of 9 

 
 
 
 
 
 
 
 
 
 
First Technology Federal Credit Union Choice Rewards World MasterCardﬁ Card 
Agreement and Federal Truth-in-Lending Disclosure Statement 
Effective: March 1, 2022 

If all of the criteria above are met and I am still dissatisfied with the  purchase, I may contact you in writing at:  

First Technology Federal Credit Union 
Attn: Card Services 
PO Box 2100 
Beaverton, OR 97075-2100 

While you investigate, the same rules apply to the disputed amount as discussed above. After you finish your investigation, you will tell 

me your decision. At that point, if you think I owe an amount and I do not pay, you may report me as delinquent.  

Questions concerning my MasterCard Card Account w ith First Technology  Federal Credit Union  can be directed to  th e  Card 
Serv ices Department, PO Box 2100, Beaverton, OR 97075 - 2100 or by calling 855.855.8805, Monday - Friday, 5am to 7pm and 
Saturday 7:30am 4pm Pacific Time. 

Page 9 of 9