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Mazuma Credit Union 
www.mazuma.org CREDIT CARD AGREEMENT 
BORROWER 1 ACCOUNT NUMBER 
BORROWER 2 DATE 
In this Agreement, �You� and �your� mean any person  who accepts this Agreement or uses the Card. The � Card� means any credit card issued to you or 
those designated by you under the terms of this Agr eement. �We�, �us�, �our� and the �Credit Union� me ans Mazuma  Credit Union or its successors. By 
using your card, you agree to all of the terms and c onditions set forth herein. 
SECURITY: YOU SPECIFICALLY GRANT US A CONSENSUAL 
SECURITY INTEREST IN ALL INDIVIDUAL AND JOINT ACCOU NTS 
YOU HAVE WITH US NOW AND IN THE FUTURE TO SECURE 
REPAYMENT OF CREDIT EXTENDED UNDER THIS AGREEMENT. 
THE GRANTING OF THIS SECURITY INTEREST IS A CONDITI ON 
FOR THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT. IF 
YOU ARE IN DEFAULT, WE CAN APPLY YOUR SHARES TO THE  
AMOUNT YOU OWE.  Shares and deposits in an Individual Retirement 
Account or any other account that would lose specia l tax treatment 
under state or federal law if given are not subject  to this security 
interest. 
If you have other loans with us, collateral securin g such loans may also 
secure your obligations under this Agreement, unless  that other collateral 
is your principal residence or non-purchase money ho usehold goods. 
Using Your Card.  You can purchase or lease goods and services from 
any merchant who honors your Card, and you may obta in cash advances 
from financial institutions and ATM machines that a ccept the Card, up to 
your maximum credit limit. You agree not to present  your Card or obtain a 
cash advance for any extension of credit in excess of your available credit 
limit; however, if you do exceed your credit limit, you agree to make 
immediate payment sufficient to bring the balance be low the credit limit. 
Certain purchases and cash advances require authoriz ation prior to 
completion of the transaction. In some cases, you m ay be asked to 
provide identification. If our system is not workin g, we may not be able to 
authorize a transaction, even though you have suffi cient credit available. 
Also, for security reasons, we may block the use of  your Card in certain 
countries or geographic areas. We will have no liab ility to you or others if 
any of these events occur.  
Personal Identification Number (PIN).  We may issue a Personal 
Identification Number (PIN) for use with your Card.  This PIN is confidential 
and should not be disclosed to anyone. You may use your PIN and your 
Card to access your account, and all sums advanced w ill be added to 
your account balance. In the event a use of your PI N constitutes an 
Electronic Funds Transfer, the terms and conditions of your Electronic 
Funds Transfer Agreement may affect your rights.  
Promise To Pay.  You promise to pay us in U.S. dollars for (a) all 
purchases, cash advances, and balance transfers mad e by you or anyone 
whom you authorize to use the Card; (b) all Interes t Charges and all other 
charges or fees; (c) collection costs and attorney' s fees as permitted by 
applicable law, and any costs incurred in the recov ery of the Card; and (d) 
credit in excess of your credit limit that we may ex tend to you.   
Illegal Transactions:  You agree that your Card and account will not be 
used to make or facilitate any illegal transactions  as determined by 
applicable law; and that any such use will constitu te an event of default 
under this Agreement. We may decline any transactio n that we believe to 
be illegal under applicable law, including but not limited to any transaction 
involving or relating to any gambling activity. You  agree that we will have 
no liability or responsibility for any such use by you or any authorized 
user(s); or for declining any such transaction. You  further agree to 
indemnify and hold us harmless from any suits, liab ility, damages or 
adverse action of any kind that results directly or indirectly from such 
illegal use. You promise to pay us any and all amou nts owing on your Card for any transactions made by you, even if the transaction is 
determined to be illegal.  
Joint Accounts.  Each of you will be responsible, jointly and sever ally, for 
the repayment of amounts owed, regardless of who in itiated any 
transaction under the account.  
Others Using Your Account.  If you allow anyone else to use your 
account, you will be liable for all credit extended  to such persons. You 
promise to pay for all purchases and advances made by anyone you 
authorize to use your account, whether or not you n otify us that he or she 
will be using it. If someone else is authorized to use your account and you 
want to end that person's privilege, you must notif y us in writing, and if he 
or she has a Card, you must return that Card with y our written notice for it 
to be effective.   
Ownership of Card.  Your Card remains our property and may be 
cancelled by us at any time without notice. You agre e to surrender your 
Card and to discontinue use of the account immediate ly upon our request. 
Interest Charges.  You agree to pay interest at the rate(s) disclosed  to 
you at the time you open your account and as may be changed from time 
to time in accordance with applicable law. Average Daily Balance 
excluding new transactions:  Interest Charges will accrue on your average 
daily balance outstanding during the month. To get the average daily 
balance, we take the beginning balance each day (ex cluding new 
purchases), and subtract any payments and credits. This gives us the 
daily balance. Then, we add up all the daily balanc es for the billing cycle 
and divide that by the number of days in the billin g cycle. We then multiply 
that by the periodic rate corresponding to the Annu al Percentage Rate on 
your account. 
Grace Period on Purchases Only:  You can avoid Interest Charges on 
purchases by paying the full amount of the new bala nce for purchases 
each month by the date on which the payment is due.  Otherwise, the new 
balance of your account, and subsequent advances fr om the date they 
are posted to the account, will be subject to an In terest Charge. You 
cannot avoid Interest Charges on cash advances and balance transfers; 
even if you pay the entire cash advance balance or b alance transfer 
balance by the payment due date, you will incur the  Interest Charges 
accrued from the date the cash advance or balance t ransfer is posted to 
your account.  
Fees.  In addition to the Interest Charges set forth abov e, you agree to 
also pay any and all fees that you incur as disclos ed to you on your Truth- 
in-Lending Statement or similar disclosures (as may be  amended from 
time to time), or as disclosed to you during the te rm of your Card.  
If Your Card is Lost or Stolen or if an Unauthorize d Use Occurs.  You 
agree to notify us immediately if your Card is ever lost or stolen or if an 
unauthorized use may have occurred. "Unauthorized u se" means the use 
of the Card by someone other than you who does not have actual, implied 
or apparent authority for such use, and from which you receive no benefit. 
The telephone number to call is (816) 361-4194. You  agree to follow up 
your call with notice in writing to us at: 9300 Tro ost Avenue, Kansas City, 
MO 64131. You also agree to assist us in determinin g the facts, 
circumstances and other pertinent information relatin g to any loss, theft or 
possible unauthorized use of your Card and comply w ith such procedures 
as we may require in connection with our investigati on. You will be liable 
9011 SYM FI17624 12-2014 COPYRIGHT 2009 Securian Financial Group, Inc. All righ ts reserved. 7260 W. 135th Street 
Overland Park, KS 66223 
(913) 574-5000  (888) 361-4194  page 2 of 3 for any unauthorized use only if we can prove that you were grossly 
negligent in your use or handling of your Card, or if we can prove that you 
used your Card fraudulently. 
Minimum Payment Due; Crediting of Payments.  Payments are due in 
the amount and on the date disclosed on your billin g statement. If your 
payment is received by us on a business day at the address and by the 
time designated on the billing statement, it will b e credited to your account 
on the date of receipt. If payment is made at any l ocation other than the 
address designated on the periodic statement, credit  for such payment 
may be delayed up to five (5) days. Payments will b e applied in any order 
we determine, subject to applicable law.  
Default; Acceleration; Credit Suspension; Collectio n Costs.  You will 
be in default if: (1) you fail to make any payment on time; (2) if you fail to 
keep any promises you have made under this Agreemen t or under other 
Agreements you have with us; (3) if you die; (4) if  you file a petition in 
bankruptcy or have a bankruptcy petition filed agai nst you, or if you 
become involved in any insolvency, receivership or custodial proceeding; 
(5) if anyone attempts to take any of your funds he ld by us via legal 
process or if you have a judgment or tax lien filed  against you; (6) if you 
make any false, inaccurate, or misleading statements  in any credit 
application or credit update; or (7) if we, in good  faith, believe that your 
ability to repay what you owe is or soon will be im paired, or that you are 
unwilling to make your payments.  
If you are in default, we have the right to demand immediate payment of 
your full account balance without giving you notice . If immediate payment 
is demanded, you agree to continue paying interest charges and fees until 
what you owe has been paid, and any shares that wer e given as security 
for your account may be applied towards what you owe . You agree to pay 
all reasonable costs of collection, including court  costs and attorney's 
fees, and any costs incurred in the recovery of the  Card, subject to 
applicable law. Even if your unpaid balance is less  than your credit limit, 
you will have no credit available during any time t hat any aspect of your 
account is in default.   
Additional Benefits/Card Enhancements.  We may from time to time 
offer additional services to your Account at no add itional cost to you. You 
understand that we are not obligated to offer such services and may 
withdraw or change them at any time.   
Convenience Checks.  We may, at our discretion, issue checks to you 
which may be used for any purpose other than making a payment for 
credit to your account. By signing such check, you authorize us to pay the 
item for the amount indicated and post such amount as a cash advance to 
your account. We do not have to pay any item which would cause the 
outstanding balance in your account to exceed your credit limit.   
Credit Information.  We may from time to time request personal 
information from you or obtain credit reports from th e credit reporting 
agencies for the purpose of updating your credit st atus. Your failure to 
provide such information when requested by us may re sult in suspension 
of credit privileges under this Agreement, includin g your ability to obtain 
any future advances by any means. You authorize us to investigate your 
credit standing when opening or reviewing your acco unt. You authorize us 
to disclose information regarding your account to c redit bureau and 
creditors who inquire about your credit standing.  
Foreign Transactions; Currency Conversion.  Purchases and cash 
advances made in foreign currencies will be billed to you in U.S. dollars. 
The conversion rate in dollars will be a rate selec ted by the card company 
from a range of rates available in wholesale curren cy markets for the 
applicable central processing date, which rate may v ary from the rate the 
card company itself receives, or the government-man dated rate in effect 
for the applicable central processing date in each instance. All 
transactions processed outside of the United States  (which may include 
internet transactions) will be charged a foreign tr ansaction fee in the 
amount disclosed on your Truth-in-Lending Statement (as amended from 
time to time).  
Termination; Change-in-Terms.  We may, by written notice, terminate 
this Agreement at any time, subject to applicable l aw. You may terminate 
this Agreement by written notice. Termination by ei ther party shall not 
affect your obligation to repay any balance on your  account resulting from use of the Card as well as Interest Charges and fee s incurred. We may 
change the terms of this Agreement, including the met hod of calculating 
the periodic rate, at any time, by written notice, subject to applicable law. 
Use of the Card constitutes agreement and acceptanc e of any change in 
terms, unless applicable law requires otherwise. Our  failure to exercise 
any of our rights or to take any action shall not c onstitute a waiver of 
those rights, or an amendment or change in any of t he terms of this 
Agreement.   
Late or Partial Payments.  Any payment that delays the reduction of your 
balance will increase your total interest costs. Pa rtial payments or 
prepayments will not delay your next scheduled paym ent - you will still 
need to make the minimum scheduled payment by the nex t scheduled 
due date to keep your account current. We may accep t late payments, 
partial payments, checks or money orders marked "pa yment in full" and 
such action shall not constitute final settlement o f your account or a 
waiver or forgiveness of any amounts owing under thi s Agreement.  
Enforcement.  We do not lose our rights under this or any relate d 
agreement if we delay enforcing them. If any provisi on of this or any 
related agreement is determined to be unenforceable or invalid, all other 
provisions remain in full force and effect.  
Returns and Adjustments.  Merchants and others who honor the Card 
may give credit for returns or adjustments, and the y will do so by 
submitting a credit slip which will be posted to yo ur account. If your credits 
and payments exceed what you owe us, the amount wil l be applied 
against future purchases and cash advances. If the credit balance amount 
is $1 or more, it will be refunded upon your writte n or verbal request.  
Plan Merchant Disputes.  We are not responsible for the refusal of any 
plan merchant or financial institution to honor you r Card. Also, we are not 
responsible for goods or services that you purchase  with the Card unless: 
(a) your purchase was made in response to an advert isement we sent or 
participated in sending you; or (b) your purchase c ost more than $50 and 
was made from a plan merchant in your state or with in 100 miles of your 
home; and only if you have made a good faith attemp t, but have been 
unable to obtain satisfaction from the plan merchant.  You must resolve all 
other disputes directly with the plan merchant. We d o not warrant any 
merchandise or services purchased by you with the C ard.  
Statements and Notices.  Statements and notices will be mailed to you at 
the most recent postal address or e-mail address (i f you have elected to 
receive such documents via electronic means) you ha ve given us. Notice 
sent to any one of you will be considered notice to  all.  
Notification of Address Change. You  will notify us promptly if you 
change your address for any reason. In order to pre vent identity theft, 
your identity may need to be verified before we act  upon the notification.  
Copy Received.  You acknowledge that you have received a copy of t his 
Agreement.   
Governing Law.  This Agreement shall be construed under federal la w 
and the laws of the State of Missouri, and the venu e shall be located in 
Jackson County, Missouri. Fees are governed by sect ion 408.140 RSMo. 
Operating regulations of Visa may also apply. This A greement is the 
contract that applies to all transactions even thou gh the sales, cash 
advance, convenience check, credit or other slips y ou sign or receive may 
contain different terms. 
NOTICE TO UTAH BORROWERS:  This written agreement is a final 
expression of the agreement between you and the Cre dit Union. This 
written agreement may not be contradicted by evidenc e of any oral 
agreement.  page 3 of 3 BORROWER NAME 
 ACCOUNT NUMBER 
 
 
BILLING RIGHTS NOTICE 
 
Your Billing Rights: Keep this Document for Future Us e 
This notice tells you about your rights and our res ponsibilities 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, w rite to us at the 
address(es) listed on your statement.  
In your letter, give us the following information:  
1. Your name and account number.  
2. The dollar amount of the suspected error.  
3. If you think there is an error on your bill, des cribe 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 sta tement.  
� At least 3 business days before an automated paymen t is 
scheduled, if you want to stop payment on the amoun t you think is 
wrong.  
You must notify us of any potential errors in writi ng. You may call us, but 
if you do, we are not required to investigate any po tential errors and you 
may have to pay the amount in question.  
What Will Happen After We Receive Your Letter  
When we receive your letter, we must do two things:  
1. Within 30 days of receiving your letter, we must  tell you that we 
received your letter. We will also tell you if we h ave 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 thing s 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 t hat amount.  � If we do not believe there was a mistake: You will h ave 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 yo ur bill is wrong, you must 
write to us within 10 days telling us that you stil l 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 nam e of anyone to whom 
we reported you as delinquent, and we must let thos e organizations 
know when the matter has been settled between us.  
If we do not follow all of the rules above, you do not have to pay the first 
$50 of the amount you question even if your bill is  correct.  
Your Rights If You Are Dissatisfied With Your Credit  Card 
Purchases  
If you are dissatisfied with the goods or services that you have 
purchased with your credit card, and you have tried  in good faith to 
correct the problem with the merchant, you may have  the right not to pay 
the remaining amount due on the purchase. To use th is right, all of the 
following must be true: 
1. The purchase must have been made in your home stat e or within 
100 miles of your current mailing address, and the purchase price 
must have been more than $50. (Note: Neither of the se are 
necessary if your purchase was based on an advertis ement we 
mailed to you, or if we own the company that sold y ou the goods or 
services.)  
2. You must have used your credit card for the purc hase. 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 purchas e.  
If all of the criteria above are met and you are st ill dissatisfied with the 
purchase, contact us in writing at the address(es) listed on your 
statement. 
While we investigate, the same rules apply to the d isputed amount as 
discussed above. After we finish our investigation,  we will tell you our 
decision. At that point, if we think you owe an amo unt and you do not 
pay, we may report you as delinquent.