CAP COM Financial Center  
4 Winners Circle  Albany, NY 12205 
ph. (518) 458-2195(800) 468-5500fax (518) 458-2261 
www.capcomfcu.org 

Other Branch Locations 
Brunswick  Clifton Park  Cohoes  Colonie  Glenmont 

Latham  Niskayuna  North Greenbush    

CREDIT CARD ACCOUNT AGREEMENT AND FEDERAL DISCLOSURE STATEMENT 
THIS  IS  YOUR  CREDIT  CARD  ACCOUNT  AGREEMENT  AND  IT  INCLUDES  NECESSARY  FEDERAL  TRUTH-IN-LENDING  DISCLOSURE  STATEMENTS,  VISA 
CLASSIC,  VISA  CLASSIC  SECURED,  AND  VISA  PLATINUM  AGREEMENTS,  AND  ANY  SPECIAL  INSTRUCTIONS  REGARDING  THE  USE  OF  YOUR  VISA 
CLASSIC,  VISA  CLASSIC  SECURED,  AND  VISA  PLATINUM  CREDIT  CARDS,  AND/OR  ANY  OTHER  ACCOUNT  ACCESS  DEVICE.  PLEASE  BE  CERTAIN  TO 

READ THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR. 

DEFINITIONS.  In  this  Agreement,  the  reference  to  "We,"  "Us,"  "Our"  and  "Credit  Union"  mean  CAPITAL  COMMUNICATIONS  FEDERAL  CREDIT  UNION.  The  words 
"You" and "Your" mean each person accepting this Agreement or who uses the VISA Classic, VISA Classic Secured or VISA Platinum Credit Card. If this is a joint Account, 
read singular pronouns in the plural. The words "Card" and "Credit Card" mean any VISA Classic, VISA Classic Secured or VISA Platinum Credit Card issued to You by Us 
and  any  duplicates  or  renewals.  The  word  "Account"  means  the  VISA  Classic,  VISA  Classic  Secured  or  VISA  Platinum  Credit  Card  established  for  You  under  this 
Agreement. "Convenience Checks" mean the special Account access devices that We may provide for Your use from time to time. 

PROMISE  TO  PAY.  You  understand  that  the  following  terms  and  conditions 
constitute  Our  Agreement  with  You.  Your  Account  may  be  accessible  through a 
variety  of  means  which  could 
include  vouchers,  checks,  charge  slips, 
Convenience Checks, Credit Cards and the like. Regardless of the access means, 
You  promise  to  pay  Us  all  amounts  charged  to  Your  Account  by  You  or  by  any 
user  who  has  access to Your Account,  with  actual,  apparent or  implied  authority 
for  use  of  Your  Account,  including  Finance  Charges  and  other  fees  or  charges 
described herein. 

USE OF YOUR CARD. You may use Your Card to buy goods and services in any 
place  that  it  is  honored  and  to  get  cash  advances  at  participating  financial 
institutions. You agree not to use Your Card for illegal transactions including, but 
not limited to, advances made for the purpose of gambling and/or wagering where 
such practices are in violation of applicable state and/or federal law. 

SECURITY.  Collateral  (other  than  household  goods  or  any  dwelling)  given  as 
security under this Agreement or for any other loan You may have with Us will 
secure all amounts You owe Us now and in the future if that status is reflected 
in  the  "Truth-in-Lending  Disclosure"  in  any  particular  Agreement  evidencing 
such debt. 

CONSENSUAL LIEN ON SHARES. You grant and consent to a lien on Your 
shares  with  Us  (except  for  IRA  and  Keogh  accounts)  and  any  dividends 
due or to become due to You from Us to the extent You owe on any unpaid 
Credit Card balance. 

LINE  OF  CREDIT  LIMITS.  You  will  be  notified  of  each specific  Credit  Limit for 
each  Credit  Card  for  which  You  are  approved.  Unless  You  are  in  default,  any 
Credit  Limits  established  for  You  will  generally  be  self-replenishing  as  You 
make payments. 

You will keep Your unpaid balance within Your Credit Limit set by Us, and You will 
pay  any  amount  over  Your  Credit  Limit  on  Our  demand  whether  or  not  We 
authorize  the  advances  which  caused  You  to  exceed  Your  Credit  Limit.  Even  if 
Your  unpaid  balance  is  less  than  Your  Credit  Limit,  You  will  have  no  credit 
available during any time that any aspect of Your Account is in default. 

JOINT ACCOUNTS. Each Borrower  will be responsible, jointly and severally, for 
the  repayment  of  any  amounts  owed.  If  any  Account  access  device,  such  as  a 
Personal Identification Number (PIN) is requested and approved, You understand 
that  any  such  Account  access  device(s)  will  be  mailed  only  to  the  primary 
Borrower at the address that We have on file for You. We may refuse to follow any 
instructions which run counter to this provision. 

ACCOUNT  RESTRICTIONS.  In  order  to  receive  and  maintain  a  VISA  Classic 
Secured Credit Card, You agree to give Us a specific pledge of shares which will 
equal  Your  Credit  Limit.  In  the  event  that  You  default  on  Your  VISA  Classic 
Secured  Credit  Card, We  may  apply  these  shares  toward  the  repayment  of  any 
amount  owed  on such  Credit  Card. You may  cancel Your  VISA  Classic  Secured 
Credit Card at any time by paying any amounts owed on that Credit Card. To be 
certain that Your entire balance and all advances on Your Account are paid, any 
shares pledged may not be available to You for 30 days after You have cancelled 
and any outstanding balance is paid in full. 

MINIMUM  MONTHLY  PAYMENTS  (PAYMENT  SCHEDULE).  Though  You  need 
only pay the Minimum Monthly Payments, You understand that You have the right 
to  repay  at  any  time  without  penalty.  You  also  understand  that  You  will  only  be 
charged periodic Finance Charges to the date You repay Your entire balance. You 
may  make  larger  payments  without  penalty.  Any  partial  payment  or  prepayment 
will  be  applied  toward  future  payments.  All  payments  to  Us  must  be  in  lawful 
money of the United States. As permitted by law, We may apply payments at Our 
discretion. Any unpaid portion of the Finance Charge will be paid by subsequent 
payments  and  will  not  be  added  to  Your  principal  balance.  You  understand  that 
any  delay  in  the  repayment  of  Your  unpaid  balance  will  increase  Your  periodic 
Finance Charges and any acceleration in the repayment of Your unpaid balance 
will decrease Your periodic Finance Charges. 

VISA Classic, VISA Classic Secured and VISA Platinum Minimum Payments  will 
be  an  amount  equal  to  2.00%  of  Your  new  unpaid  VISA  Classic,  VISA  Classic 
Secured or VISA Platinum balance at the end of each billing cycle, subject to the 
lesser  of  $25.00  or  Your  balance,  plus  any  portion  of  the  Minimum  Payments 
shown on prior statement(s) which remains unpaid, plus any amount that exceeds 
Your approved Credit Limit. 

You may, by separate agreement, authorize Us to charge Your payment directly to 
Your share or share draft account. 

FINANCE  CHARGES.  In  the  case  of  any  transactions  under  Your  Account,  the 
balances  subject  to  the  periodic  Finance  Charge  are  the  average  daily 
transactions balances outstanding during the month (including new transactions). 
To get the average daily balance, We take the beginning balance each day, add 
any new purchases, balance transfers, cash advances, insurance premiums, debit 
adjustments  or  other  charges  and  subtract  any  payments,  credits  and  unpaid 
Finance Charges. This gives Us the daily balance. Then, We add up all the daily 
balances for the billing cycle and divide them by the number of days in the billing 
cycle.  The  Finance  Charge  for  a  billing  cycle  is  computed  by  multiplying  the 
average daily balance subject to a Finance Charge by the Monthly Periodic Rate. 

You  can  avoid  Finance  Charges  on  purchases  by  paying  the  full  amount  of  the 
entire  balance  owed  each  month  within  25  days  of  Your  statement  closing  date. 
Otherwise,  the  new  balance  of  purchases,  and  subsequent  purchases  from  the 
date  they  are  posted  to  Your  Account,  will  be  subject  to  a  Finance  Charge. 
Balance  transfers  and  cash  advances  are  always  subject  to  a  Finance  Charge 
from the later of the date they are posted to Your Account or from the first day of 
the billing cycle in which the cash advance is posted to Your Account. 

For  the  current  Monthly  Periodic  Rate  (and  the  corresponding  Annual 
Percentage  Rate)  for  Your  Account,  refer  to  the  separate  page  titled 
"Additional  Disclosure  -  Federal  Truth-In-Lending  Act"  which  has  been 
provided in conjunction with Your Card. 

LATE CHARGE. If Your payment is 10 or more days late, You will be charged the 
lesser of: (a) the amount of the minimum payment due; or (b) $25.00.  

RETURNED PAYMENT FEE. You will be charged: (a) the lesser of $10.00 or the 
required  minimum  payment  amount  for  the  returned  payment  for  any  negotiable 
instrument used for payment (other than an ACH item) which is returned unpaid; 

Copyright Oak Tree Business Systems, Inc., 2014. All Rights Reserved. 

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and  (b)  the  lesser  of  $30.00  or  the  required  minimum  payment  amount  for  the 
returned payment for any ACH item used for payment which is returned unpaid. 

OTHER FEES AND CHARGES. You will be charged the following fees associated 
with the use of Your Card: (a) $5.00 for each replacement Card You request; (b) 
$2.00 for each statement copy You request; and (c) $45.00 each time You request 
that We expedite the delivery of a Card or PIN. 

PERIODIC  STATEMENTS.  On  a  regular  basis,  You  will  receive  a  statement 
showing  all  transactions  on  Your  Account  including  amounts  paid  and  borrowed 
since Your last statement. We will provide You a statement each month in which 
there is a debit or credit balance or when a Finance Charge is imposed. We need 
not send You a statement if We feel Your Account is uncollectible or if We have 
started  collection  proceedings  against  You  because  You  defaulted.  EACH 
STATEMENT  IS  DEEMED  TO  BE  A  CORRECT  STATEMENT  OF  ACCOUNT 
UNLESS YOU ESTABLISH A BILLING ERROR PURSUANT TO THE FEDERAL 
TRUTH-IN-LENDING ACT.  

OUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under 
no obligation to honor Your Convenience Checks if: (1) by paying a Convenience 
Check,  You  would  exceed  Your  Credit  Limit;  (2)  Your  Cards  or  Convenience 
Checks have been reported lost or stolen; (3) Your Account has been cancelled or 
has expired. If a postdated Convenience Check is paid and, as a result, any other 
Convenience Check is returned unpaid, We are not responsible for any resulting 
loss or liability. 

DEFAULT. You will be in default if: (a) You do not make any payment or perform 
any obligation under this Agreement, or any other agreement that You may have 
with Us; or (b) You should die, become involved in any insolvency, receivership or 
custodial proceeding brought by or against You; or (c) You have made a false or 
misleading statement in Your credit application and/or in Your representations to 
Us while You owe money on Your Account; or (d) A judgment or tax lien should be 
filed against You or any attachment or garnishment should be issued against any 
of  Your  property  or  rights,  specifically  including  anyone  starting  an  action  or 
proceeding to seize any of Your funds on deposit with Us; and/or (e) We should, in 
good faith, believe  Your ability to repay  Your  indebtedness  hereunder  is  or soon 
will be impaired, time being of the very essence. 

Upon  any  occurrence  of  default, We may,  to the extent  permitted by  law,  cancel 
Your  rights  under  this  Agreement,  require  the  return  of  all  access  devices  and 
declare the entire balance of Your Account immediately due and payable, without 
prior  notice  or  demand.  If  Your  entire  Account  balance  is  not  then  paid 
immediately  upon  default,  and  to  the  extent  permitted  by  law,  the  Credit  Union 
may take possession of the Collateral and assert the defense of a superior right of 
possession as the holder of a security interest to any offense of alleged wrongful 
taking and conversion. 

COLLECTION  COSTS.  In  the  event  collection  efforts  are  required  to  obtain 
payment  on  this  Account,  to  the  extent  permitted  by  law,  You  agree  to  pay  all 
court costs, private process server fees, investigation fees or other costs incurred 
in  collection  and  reasonable  attorneys’  fees  incurred  in  the  course  of  collecting 
any amounts owed under this Agreement or in the recovery of any Collateral. 

ENFORCEMENT. We do not lose Our rights under this or any related agreement 
if We delay enforcing them. We can accept late payments, partial payments or any 
other  payments,  even  if  they  are  marked  "paid  in  full"  without  losing  any  of  Our 
rights  under  this  Agreement.  If  any  provision  of  this  or  any  related  agreement  is 
determined to be unenforceable or invalid, all other provisions remain in full force 
and effect. 

NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move 
or otherwise have a change of address. 

CHANGE IN TERMS. We may change the terms of this Agreement by mailing or 
delivering to You written notice of the changes as prescribed by the Federal Truth-
In-Lending  Act.  To  the  extent  permitted  by  law,  the  right  to  change  the  terms  of 
this Agreement includes, but is not limited to, the right to change the periodic rate 
applicable to Your unpaid balance and/or future advances. 

CREDIT  INSURANCE.  Credit  insurance  is  not  required  for  any  extension  of 
credit under this Agreement. However, You may purchase any credit insurance 
available  through  Us  and  have  the  premiums  added  to  Your  outstanding 
balance. If You elect to do so, You will be given the necessary disclosures and 
documents separately. 

INTEGRATED  DOCUMENTS.  Any  separate  sheet  of  paper 
labeled 
"Additional  Disclosure  -  Federal  Truth-In-Lending  Act,"  which  is  delivered 
together with this Agreement or at a later date becomes an integrated part of 
this Agreement and Disclosure. 

CONSENT  TO  AGREEMENT.  You  acknowledge  receipt  of  a  copy  of  this 
Agreement. By signing the application; or by using Your Account or any Account 
access device; or by authorizing another to use Your Account, You agree to and 
accept its terms. 

UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide 
facts  to  update  information  contained  in  Your  original  Account  application  or 
other financial information related to You, at Our request. You also agree that 
We may, from time to time, as We deem necessary, make inquiries pertaining 
to  Your  employment,  credit  standing  and 
in 
accordance  with  applicable  laws  and  regulations.  You  further  agree  that  We 
may give information about the status and payment history of Your Account to 
consumer  credit  reporting  agencies,  a  prospective  employer  or  insurer,  or  a 
state  or  federal  licensing  agency  having  any  apparent  legitimate  business 
need for such information.  

responsibility 

financial 

TERMINATION. Either You or We may cancel Your Account at any time, whether 
or  not  You  are  in  default.  You  will,  in  any  case,  remain  liable  to  pay  any  unpaid 
balances according to the terms of Your Account. 

OWNERSHIP.  Your  Card  remains  Our  property  and  may  be  cancelled  by  Us  at 
any time without notice. You agree to surrender Your Card and to discontinue its 
use immediately upon Our request. 

ISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will issue, upon 
Your  request,  a  Personal  Identification  Number  (PIN)  for  use  with  participating 
Automated  Teller  Machines  (ATMs).  This  PIN  is  confidential  and  should  not  be 
disclosed to anyone. You may use Your PIN to access Your Account and all sums 
advanced will be added to Your Account balance. In the event a use of Your PIN 
constitutes  an  Electronic  Fund  Transfer,  the  terms  and  conditions  of  Your 
Electronic Fund Transfer Agreement may also affect Your rights.  

EFFECT  OF  AGREEMENT.  Even  though  the  sales,  cash  advance,  credit  or 
other slips You may sign or receive when using Your Card contain terms, this 
Agreement  is  the  contract  which  solely  applies  to  all  transactions  involving 
the Card. 

UNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card. 
You  will  not  be  liable for  the  unauthorized  use  that  occurs  after  You  notify  Us of 
the loss, theft, or possible unauthorized use by calling Us during regular business 
hours  at  (800)  468-5500,  or  after  hours,  on  weekends  or  holidays  at  (800)  449-
7728  [for  hearing  impaired  callers,  please  call  (800)  221-7728].  You  may  also 
notify Us of the loss, theft, or possible unauthorized use of Your Card by writing to 
Us  at  Customer  Service,  P.O.  Box  3112,  Tampa,  FL  33631-3112.  In  any  case, 
Your liability will not exceed $50.00. 

REFUSAL  TO  HONOR  CARDS  OR  CONVENIENCE  CHECKS.  We  are  not 
liable for the refusal or inability of merchants, financial institutions and others to 
accept  the  Cards  or  Convenience Checks, or  electronic  terminals  to  honor the 
Cards  or  complete  a  Card  withdrawal,  or  for  their  retention  of  the  Cards  or 
Convenience Checks. 

FOREIGN TRANSACTIONS. For transactions initiated in foreign countries and 
foreign currencies, the exchange rate between the transaction currency and the 
billing currency (U.S. dollars) will be: (a) 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  (b) 
the  government-mandated  rate  in  effect  for  the  applicable  central  processing 
date.  For  transactions  that  are  initiated  in  a  foreign  currency,  You  will  be 
charged  1.00%  of  the  final  settlement  amount.    For  transactions  occurring  in 
foreign countries and initiated in U.S. Dollars, You will be charged 1.00% of the 
final settlement amount. 

TRANSACTION  SLIPS.  Your  monthly  statement  will  identify  that  merchant, 
electronic  terminal  or  financial  institution  at  which  transactions  were  made,  but 
sales, cash advances, credit or other slips cannot be returned with the statement. 

LOST  CARDS  OR  CONVENIENCE  CHECKS.  To  report  lost  or  stolen  Credit 
Cards  or  Convenience  Checks,  You  will  immediately  call  Us  during  regular 
business  hours  at  (800)  468-5500,  or  after  hours,  on  weekends  or  holidays  at 
(800) 449-7728 [for hearing impaired callers, please call (800) 221-7728], or write 
to Us at Customer Service, P.O. Box 3112, Tampa, FL 33631-3112.  

CREDITS.  If  a  merchant  who  honors  Your  Card  gives  You  credit  for  returns  or 
adjustments,  they  will  do  so  by  sending  Us  a  slip  which  will  be  posted  to  Your 
Account. If Your credits and payments exceed what You owe Us, We will hold and 
apply  this  credit  against future  purchases and cash  advances, or  if  it  is  $1.00  or 
more  refund  it  on  Your  written  request  or  automatically  deposit  it  to  Your  Share 
Account after six months.   

Copyright Oak Tree Business Systems, Inc., 2014. All Rights Reserved. 

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GOVERNING LAW. This Agreement is controlled and governed by the laws of the 
State  of  New  York  except  to  the  extent  that  such  laws  are  inconsistent  with 
controlling federal law. 

•  We can apply any unpaid amount against Your Credit Limit. 

After We finish Our investigation, one of two things will happen: 

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 Our address shown 
in this Agreement. In Your letter, give us the following information: 
•  Account information: Your name and Account number. 
•  Dollar amount: The dollar amount of the suspected error. 
•  Description of problem: If You think there is an error on Your bill, describe what 
  You believe is wrong and why You believe it is a mistake. 

You must contact Us: 

•  Within 60 days after the error appeared on Your statement. 
•  At least three business days before an automated payment is scheduled, if You 
  want to stop payment on the amount You think is wrong. 

You must notify Us of any potential errors in writing. You may call Us, but if You 
do We are  not  required  to  investigate  any  potential  errors  and  You may  have to 
pay the amount in question. 

What Will Happen After We Receive Your Letter 

When We receive Your letter, We must do two things: 

1) Within 30 days of receiving Your letter, We must tell You that We received Your 

letter. We will also tell You if We have already corrected the error. 

2) Within  90  days  of  receiving  Your  letter,  We  must  either  correct  the  error  or 
  explain to You why We believe the bill is correct. 

While We investigate whether or not there has been an error: 

•  We cannot try to collect the amount in question, or report You as delinquent on 

that amount. 

• 

If We made a mistake: You will not have to pay the amount in question or any 
interest or other fees related to that amount. 
• 
If We do not believe there  was a  mistake: You will have to pay the amount in 
  question, along with applicable interest and fees. We will send You a statement 
  of the amount You owe and the date payment is due. We may then report You 
  as delinquent if You do not pay the amount We think You owe. 

If You receive Our explanation but still believe Your bill is wrong, You must write 
to  Us  within  10  days  telling  Us  that  You  still  refuse  to  pay.  If  You  do  so,  We 
cannot report You as delinquent without also reporting that You are questioning 
Your  bill. We  must  tell  You  the  name  of  anyone  to  whom  we  reported  You  as 
delinquent,  and  We  must  let  those  organizations  know  when  the  matter  has 
been settled between Us. If We do not follow all of the rules above, You do not 
have  to  pay  the  first  $50.00  of  the  amount  You  question  even  if  Your  bill  
is correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases 

If  You  are  dissatisfied  with  the  goods  or  services  that  You  have  purchased  with 
Your Credit Card, and You have tried in good faith to correct the problem with the 
merchant,  You  may  have  the  right  not  to  pay  the  remaining  amount  due  on  the 
purchase. To use this right, all of the following must be true: 

1) The purchase must have been made in Your home state or within 100 miles of 
  Your  current  mailing  address,  and  the  purchase  price  must  have  been  more 
than $50.00. (Note: Neither of these are necessary if Your purchase was based 
  on  an  advertisement  We  mailed  to  You,  or  if  We  own  the  company  that  sold 
  You the goods or services.) 

2) You must have used Your Credit Card for the purchase. Purchases made with 
  cash  advances from  an  ATM  or  with  a  check  that  accesses  Your  Credit  Card 
  account do not qualify.  

3) You must not yet have fully paid for the purchase.  

If all of the criteria above are met and You are still dissatisfied with the purchase, 
contact Us in writing at Our address shown in this Agreement. 

•  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. 

While  We  investigate,  the  same  rules  apply  to  the  disputed  amount  as 
discussed  above.  After  We  finish  Our  investigation,  We  will  tell  You  Our 
decision. At that point, if We think You owe an amount and You do not pay, We 
may report You as delinquent. 

Copyright Oak Tree Business Systems, Inc., 2014. All Rights Reserved. 

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CAP COM Financial Center  
4 Winners Circle  Albany, NY 12205 
ph. (518) 458-2195(800) 468-5500fax (518) 458-2261 
www.capcomfcu.org 

Other Branch Locations 
Brunswick  Clifton Park  Cohoes  Colonie  Glenmont 

Latham  Niskayuna  North Greenbush    

PRICING INFORMATION ADDENDUM – CREDIT CARD ACCOUNT 
AGREEMENT AND FEDERAL DISCLOSURE STATEMENT 
THIS IS YOUR ADDENDUM THAT CONTAINS PRICING INFORMATION FOR THE VISA CLASSIC, VISA CLASSIC SECURED, AND VISA PLATINUM CREDIT  CARD. 
PLEASE BE SURE TO READ THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR. 

Interest Rate and Interest Charges 

Annual Percentage Rate (APR) 
For Purchases 

VISA Classic: 13.90%  

VISA Platinum: 9.90% 

VISA Classic Secured: 13.90% 

Annual Percentage Rate (APR) 
For Balance Transfers 

VISA Classic: 13.90%    

VISA Platinum: 9.90% 

VISA Classic Secured: 13.90% 

Annual Percentage Rate (APR) 
For Cash Advances 

VISA Classic: 13.90%    

VISA Platinum: 9.90% 

VISA Classic Secured: 13.90% 

Paying Interest 

We will  not charge  You  interest on purchases  if  You  pay  Your entire balance owed  each 
month  within  25  days  of  Your  statement  closing  date. We  will  begin  charging  interest  on 
cash advances and balance transfers on the transaction date. 

Fees 

Transaction Fees 

  Foreign Transaction 

Penalty Fees 

1.00% of each foreign currency transaction in U.S. dollars. 
1.00% of each U.S. Dollar transaction that occurs in a foreign country. 

  Late Payment 
  Returned Payment 

Up to $25.00 
Up to $30.00 

How  We  Will  Calculate  Your  Balance: We  use  a  method  called  "average  daily  balance  (including  new  purchases).”  See 
Your Account Agreement for details. 

Billing  Rights:  Information  on  your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in  Your 
Account Agreement.  

FINANCE  CHARGES. In the case of  any transactions  under Your Account,  the  balances subject to  the  periodic  Finance  Charge  are the average  daily  transactions 
balances  outstanding  during  the  month  (including  new  transactions).  To  get  the  average  daily  balance,  We  take  the  beginning  balance  each  day,  add  any  new 
purchases,  balance  transfers,  cash  advances,  insurance  premiums,  debit  adjustments  or  other  charges  and  subtract  any  payments,  credits  and  unpaid  Finance 
Charges. This gives Us the daily balance. Then, We add up all the daily balances for the billing cycle and divide them by the number of days in the billing cycle. The 
Finance Charge for a billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. 

You  can  avoid  Finance  Charges  on  purchases  by  paying  the  full  amount  of  the  entire  balance  owed  each  month  within  25  days  of  Your  statement  closing  date. 
Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your Account,  will be subject to a Finance Charge. Balance 
transfers and cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle 
in which the cash advance is posted to Your Account. 

VISA Classic is subject to a Monthly Periodic Rate of 1.1583% (corresponding to an ANNUAL PERCENTAGE RATE of 13.90%). 

VISA Classic Secured is subject to a Monthly Periodic Rate of 1.1583% (corresponding to an ANNUAL PERCENTAGE RATE of 13.90%). 

VISA Platinum is subject to a Monthly Periodic Rate of 0.8250% (corresponding to an ANNUAL PERCENTAGE RATE of 9.90%). 

Copyright Oak Tree Business Systems, Inc., 2014. All Rights Reserved. 

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