CREDIT CARD
ACCOUNT
OPENING
DISCLOSURE

This Disclosure is incorporated into and becomes part of Your LOANLINER® Consumer Credit Card Agreement &
Disclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

0.000%

 Introductory APR for a period of six billing cycles.

After that, Your APR will be

13.990

.

APR for Balance Transfers

This APR will vary with the market based on the Prime Rate.
0.000%

 Introductory APR for a period of six billing cycles.

APR for Cash Advances

0.000%

 Introductory APR for a period of six billing cycles.

After that, Your APR will be

13.990

.

This APR will vary with the market based on the Prime Rate.

Paying Interest

For Credit Card Tips from the
Consumer Financial Protection Bureau

After that, Your APR will be

18.990

.

This APR will vary with the market based on the Prime Rate.

Your due date is at least 25 days after the close of each billing cycle. We will
not charge You any interest on purchases if You pay Your entire balance by
the due date each month. We will begin charging interest on cash advances
and balance transfers on the transaction date.

To learn more about factors to consider when applying for or using a
credit card, visit the website of the Consumer Financial Protection
Bureau at http://www.consumerfinance.gov/learnmore.

Fees
Annual Fee
- Annual Fee

Transaction Fees
- Balance Transfer Fee
- Overdraft Transfer Fee
- Foreign Transaction Fee

Penalty Fees
- Late Payment Fee

None

None
$ .00
1.00% of each 

Up to $27.00

How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)." See Your Account Agreement for more
details.

Promotional Period for Introductory APR:
The Introductory APR for purchases, balance transfers and cash advances will apply to transactions posted to Your
Account during the first six months following the opening of Your Account. Any existing balances on Vantage West Credit
Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

10200764-MXC20-C-1-120219 (MXC201-E)

SEE NEXT PAGE for more important information about Your Account.

Billing Rights:
Information on Your rights to dispute transactions and how to exercise those rights is provided in Your Account
Agreement.

Military Lending Act Disclosures:
Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions
of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent
may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or
account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the
credit transaction; any application fee charged (other than certain application fees for specified credit transactions or
accounts); and any participation fee charged (other than certain participation fees for a credit card account).

Please call us at (800) 888-7882 to receive oral disclosures of the Military Lending Act disclosure above and a description
of the payment obligation.

Other Fees & Disclosures:
Late Payment Fee:
$27.00 or the amount of the required minimum payment, whichever is less, if You are 10 or more days late in making a
payment. If Your Account is subject to a Late Payment Fee, the fee will be charged to Your Account when You do not
make the required minimum payment by or within the number of days of the statement Payment Due Date set forth on this
Disclosure.

Overdraft Transfer Fee:
$ .00. If Your Account is subject to an Overdraft Transfer Fee, except as limited by applicable law, a fee may be charged
to Your Account each time, pursuant to any overdraft privilege on a Credit Union Share Draft Account, You overdraft Your
Share Draft Account and funds are advanced to Your Share Draft Account.

Pay-by-Phone Fee:
$15.00. If Your Account is subject to the Pay-by-Phone Fee, except as limited by applicable law, a fee will be charged for
each time You make a payment by telephone as disclosed on this Disclosure.

Rush Fee:
$33.00. If Your Account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to Your
Account for each rush Card that You request, providing that delivery of the Card is also available by standard mail service,
without paying a fee for delivery.

Collection Costs:
You agree to pay all costs of collecting the amount You owe under this Agreement, including court costs and reasonable
attorney's fees.

Periodic Rates:

0.000%

The Introductory Purchase APR is
The Purchase APR is
The Introductory Balance Transfer APR is
The Balance Transfer APR is
The Introductory Cash Advance APR is
The Cash Advance APR is

13.990

13.990

18.990

 which is a daily periodic rate of

 which is a daily periodic rate of

0.0383

0.0000%
.

.

0.000%

 which is a daily periodic rate of

 which is a daily periodic rate of
0.000%

0.0383
 which is a daily periodic rate of

 which is a daily periodic rate of

0.0520

0.0000%
.

.

0.0000%
.

.

Variable Rate:

The ANNUAL PERCENTAGE RATE is subject to change monthly on the first day of the billing cycle to reflect any change
in the Index and will be determined by the Prime Rate as listed in the “Money Rates” section of The Wall Street Journal on
the day following a change in the index of each calendar month, to which we add a margin. The ANNUAL PERCENTAGE
RATE will never be greater than 29.99%. Any increase in the ANNUAL PERCENTAGE RATE will result in an increase in
the amount of the interest You will pay, may increase Your minimum payment, and may increase the number of payments
to pay off Your balance. If the Index is no longer available, the Credit Union will choose a new index which is based upon
comparable information.

Margin:
Purchases will be charged at
10.490
Balance Transfers will be charged at
Cash Advances will be charged at

 above the Index.

10.490

 above the Index.

15.490

 above the Index.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

10200764-MXC20-C-1-120219 (MXC201-E)

CONSUMER
CREDIT CARD
AGREEMENT
AND
DISCLOSURE

VISA SIGNATURE CONNECT REWARDS/CONNECT

This Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other
Account opening documents or any subsequent documents provided to You related to this Account (hereinafter
collectively referred to as “Agreement”) govern the terms and conditions of this Account. “We,” “Us,” “Our” and “Ours” and
“Credit Union” refers to Vantage West Credit Union with which this Agreement is made. “You,” “Your,” and “Yours” refers
to each applicant and co-applicant for the Account; any person responsible for paying the Account; and anyone You
authorize to use, access or service the Account. "Card" means the Visa® credit card and any other access devices,
duplicates, renewals, or substitutions, the Credit Union issues to You. "Account" means the line of credit established by
this Agreement and includes Your Card.
1. USING YOUR ACCOUNT — By using the Account or keeping the Card, You agree to the terms of this Agreement.
in accordance with this Agreement. Your Account must only be used for lawful
You agree to use Your Account
transactions.
2. CREDIT LIMIT — We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You
exceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts
due to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method
acceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or
terminate Your Account at any time for any reason permitted by law.
3. REPAYMENT — Each month You must pay at least the minimum payment shown on Your statement by the date
specified on the statement. 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). For our Visa Signature Connect Rewards card, the
minimum payment is 3.00% of Your total new balance, or $30.00, whichever is greater, plus the amount of any prior
minimum payments that You have not made, all outstanding unpaid fees and charges, and any amount You are over Your
credit limit by the date specified on the statement. For our Connect card, the minimum payment is 2.55% of Your total new
balance, or $30.00, whichever is greater, plus the amount of any prior minimum payments that You have not made, all
outstanding unpaid fees and charges, and any amount You are over Your credit limit by the date specified on the
statement. The Credit Union also has the right to demand immediate payment of any amount by which You are over Your
credit limit. In accordance with applicable law, the Credit Union may not post payments to your account or reflect them in
Your available credit limit on the date they are received. The Credit Union may delay replenishing Your credit limit until the
date the payment is posted or the Credit Union confirms the payment has cleared.
4. CHOICE OF LAW — This Agreement has been made by Us, delivered to Us, and accepted by Us and will be
performed by You and Us in the State of Arizona. Accordingly, to the extent not preempted by federal law, the validity,
interpretation, construction, enforcement, and performance of this Agreement shall be governed by the laws of the State
of Arizona.
5. VENUE AND JURISDICTION — You irrevocably agree with Us that any suit, action, or other legal proceedings
arising under or relating to any provision of this Agreement will be brought and enforced exclusively in either: (1) the
competent courts of Arizona or (2) subject to Our sole and absolute election, the competent courts of any other state
(such as any other state in which any collateral for the loan is located or in which You reside) that affect the enforcement
of Our remedies under this Agreement. You hereby submit to the exclusive jurisdiction of such court(s) and waive any
right You may have to request a change of venue or a removal to another court or to collaterally attack any judgment
obtained or action taken by Us in connection therewith. You further consent and agree to service of any summons,
compliant or other legal process in any such suit, action, or other legal proceeding by registered or certified U.S. mail,
postage prepaid, to You at the appropriate address You have provided to Us and consent and agree that such service
shall constitute in every respect valid and effective service (but nothing herein shall affect the validity or effectiveness of
process served in any other manner permitted by applicable law).
6. JURY TRIAL WAIVER — To the extent permitted by applicable law, You and We each knowingly, voluntarily,
intentionally, and irrevocably waive any right to a trial by jury in any action, suit or other legal proceeding arising under or
relating to any provision of this Agreement.

© CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved

10200764-MXC30-C-1-051721 (MXC304-E)

INTEREST AND FINANCE CHARGES — We will begin charging You interest on purchases on the date the
7.
transaction is posted to Your Account. We will begin charging You interest on cash advances and balance transfers on
the date of the transaction or the first day of the billing cycle in which the transaction is posted to Your Account, whichever
is later (transaction date). However, We will not charge You any interest on new purchases if Your Account had a zero or
credit balance at the beginning of that billing cycle, or You paid the entire new balance on the previous cycle's billing
statement by the Payment Due Date of
finance charge on the balance of
purchases, You must pay the entire new balance on the billing statement by the Payment Due Date of that statement.

that statement. To avoid an additional

How We Calculate Your Balance:
Interest charges on Your Account are calculated separately for purchases, balance transfers and cash advances
(“Transaction Type”). We figure the interest charge for each Transaction Type by applying the periodic rate to each
corresponding “average daily balance.” To get the “average daily balance” for a Transaction Type We take the beginning
balance for that Transaction Type each day, add any new transactions of that type, and subtract any unpaid interest or
other finance charges and any applicable payments or credits. This gives Us the daily balance for each Transaction Type.
Then, for each Transaction Type, We add up all the daily balances for the billing cycle and divide each total by the
number of days in the billing cycle. This gives Us the “average daily balance” for each Transaction Type.
8. FEES — In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to Your
the fee amounts and explanations are disclosed on the Account Opening Disclosure accompanying this
Account,
Agreement.
9. FOREIGN TRANSACTIONS — Purchases and cash advances made in foreign currencies will be debited from Your
Account in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing
international transactions is a rate selected by Visa from a 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. The exchange rate used on the processing date may differ from
the rate that would have been used on the purchase date or cardholder statement posting date.
A fee (finance charge), calculated in U.S. dollars, will be imposed on all foreign transactions, including purchases, cash
advances, and credits to Your Account. A foreign transaction is any transaction that You complete or a merchant
completes on Your Card outside of the United States, with the exception of U.S. military bases, U.S. territories, U.S.
embassies, or U.S. consulates. Transactions completed by merchants outside of the United States are considered foreign
transactions, regardless of whether You are located inside or outside the United States at the time of the transaction. The
Foreign Transaction Fee is set forth on the Account Opening Disclosure accompanying this Agreement.
10. AUTHORIZATIONS — We do not guarantee authorization of a transaction, either by Us or by a third party, even if
You have sufficient credit available. You agree that We will not be liable for failing to give an authorization. We also
reserve the right to limit the number of transactions that may be approved in one day. We reserve the right to deny certain
transactions for any reason and at Our sole discretion, including for default, suspected fraudulent or unlawful activity,
internet gambling or any indication of increased risk related to the transaction or the Account. You agree that We have no
requirement to notify You of the specific reason We denied a transaction. If We detect unusual or suspicious activity, We
may suspend Your credit privileges until We can verify the activity, or We may close the Account.
11. PREAUTHORIZED CHARGES — If You default, if the Card is lost or stolen, or We change the Account for any
reason, We may suspend automatic charges with third party vendors. If preauthorized charges are suspended, You are
responsible for making direct payment for such charges until You contact the third party to reinstate the automatic
charges.
12. DEFAULT — You will be in default under this Agreement if You fail to pay the Minimum Payment Due by its Payment
Due Date; pay by a check or similar instrument that is not honored or that We must return because it cannot be
processed; pay by automatic debit that is returned unpaid; make any false or misleading statements in any credit
application or credit update; file for bankruptcy; or die. You will also be in default if You fail to comply with the terms of this
Agreement or any other Agreement You have with Us.
If You default, We may close Your Account and require You to pay any unpaid balance immediately, subject to applicable
law. In this Agreement and on Your Credit Card Application, You gave Us a security interest in all individual or joint share
and/or deposit accounts with the Credit Union and authorized Us, if You defaulted, to apply the balance in these accounts
to any amounts due. You agree We may rely on Your agreement and authorization to, upon Your default, apply any
balance to any amounts due on Your Account.
13. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION — If You notice the loss or theft of
Your credit card or a possible unauthorized use of Your Card, You should write to Us immediately at PO Box 15115,
Tucson, AZ, 85708-0115 or call Us at (520) 298-7882, Monday through Friday 8:00 a.m. to 5:00 p.m. or (520) 751-7070 or
(800) 269-7070, select option #4, seven days a week 24 hours a day.
You will not be liable for any unauthorized use that occurs after You notify Us. You may, however, be liable for
unauthorized use that occurs before Your notice to Us. You will have no liability for unauthorized use unless You are
found to be fraudulent or negligent in the handling of Your Account or Card. In any case, Your liability for unauthorized
transactions will not exceed $50.

Page 2 of 5

10200764-MXC30-C-1-051721 (MXC304-E)

14. CHANGING OR TERMINATING YOUR ACCOUNT — As permitted by law, the Credit Union may change the terms
of this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with
applicable law. To the extent permitted by law, changes to the Agreement may apply to Your existing account balance as
well as to future transactions.
Arizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents - Either
You, Your spouse or the Credit Union may terminate this Agreement at any time, but termination by You, Your spouse or
the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges You or Your
spouse owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You
owe under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card
or Cards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all
Cards upon request or upon termination of this Agreement whether by You or the Credit Union.
Residents of all other states - Either You or the Credit Union may terminate this Agreement at any time, but termination
by You or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges
You owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You owe
under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card or
Cards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all
Cards upon request or upon termination of this Agreement whether by You or the Credit Union.
15. AUTHORIZED USERS — Upon Your request, We may issue additional Cards for authorized users that You
designate. You must notify Us in writing of any termination of an authorized user's right to access Your Account. Your
notice must include the name of the authorized user and Your Account number and/or any subaccount number issued to
the authorized user along with the authorized user's Card and any convenience or other access checks issued to the
authorized user. If You cannot return the authorized user's Card or access checks and if You request Your Account to be
closed, We will close Your Account and You may apply for a new Account. Alternatively, We may, at Our sole discretion,
issue You a new Account number and a new Card.
16. CREDIT REPORTS — You authorize the Credit Union to obtain credit reports and any other information We may
need to verify Your identity and use of the Account when opening Your Account and for any update, increase, renewal,
extension, collection or review of Your Account. You authorize the Credit Union to disclose information regarding Your
Account to credit bureaus and creditors who inquire about Your credit standing.
17. JOINT ACCOUNTS — If this is a joint Account, each of You will be individually and jointly responsible for paying all
amounts owed under this Agreement. This means that the Credit Union can require any one of You individually to repay
the entire amount owed under this Agreement. Each of You authorizes the other(s) to make transactions on the Account
individually. Any one of You may terminate the Account and the termination will be effective as to all of You.
18. EFFECT OF AGREEMENT — This Agreement is the contract which applies to all transactions on Your Account even
though the sales, cash advances, credit or other slips You sign or receive may contain different terms.
19. SEVERABILITY AND FINAL EXPRESSION — This Agreement is the final expression of the terms and conditions of
Your Account. This written Agreement may not be contradicted by evidence of any alleged oral Agreement. Should any
part of this Agreement be found to be invalid or unenforceable, all other parts of this Agreement shall remain in effect and
fully enforceable to the fullest extent possible under this Agreement. Any term or provision herein that is prohibited by
the Military Lending Act shall not apply to You if You are a covered borrower under the Military Lending Act, in
which case such provisions shall be deemed severed from this Agreement,
limitation
paragraph 7 of this Agreement. For clarity, You will not be deemed a covered borrower, and such terms and
provisions will apply if: (i) You established Your credit card Account when You were not a covered borrower: or
(ii) You cease to be a covered borrower.
20. ILLEGAL TRANSACTIONS PROHIBITED — You agree that You will not use Your Card for any transaction, including
any type of electronic gambling transaction through the Internet, that is illegal under applicable federal, state, or local law.
Even if You use Your Card for an illegal transaction, You will be responsible for all amounts and charges incurred in
connection with the transaction. This paragraph shall not be interpreted as permitting or authorizing any transaction that is
illegal.
21. APPLICABLE LAW — The terms and enforcement of this Agreement shall be governed by federal law and the law of
Arizona.
22. ENFORCING THIS AGREEMENT — We can delay in enforcing or fail to enforce any of Our rights under this
Agreement without losing them.
23. COLLECTION COSTS — If We refer collection of Your Account to a lawyer who is not Our salaried employee, You
are liable for any reasonable attorney’s fees We incur, plus the costs and expenses of any legal action, as further
disclosed on this Agreement, or to the extent allowed by law.
24. ASSIGNMENT — We may assign any or all of Our rights and obligations under this Agreement to a third party.
25. OVERDRAFT PRIVILEGE — You agree that if, pursuant to any overdraft privilege on a Credit Union Share Draft
Account, there is an overdraft of Your Share Draft Account, the amount of overdraft will be added to the outstanding

including without

Page 3 of 5

10200764-MXC30-C-1-051721 (MXC304-E)

balance on Your Visa Credit Card Account, subject to the finance charge provisions set forth in “INTEREST AND
FINANCE CHARGES” as described for cash advances, and will be subject to all terms and conditions of this Agreement.
The Visa Credit Card Account must be current and not over the credit limit for funds to transfer to the Share Draft
Account. Overdrafts are not allowed for the purpose of making loan payments, including Visa Credit Card payments, at
the Credit Union, ATM or in-branch teller cash withdrawals. The Share Draft Account referred to herein is also subject to a
separate agreement between You and the Credit Union. Where the terms of any other agreement between You and the
Credit Union conflict with the terms of this Agreement, the terms of this Agreement will control.
26. CALIFORNIA RESIDENTS — A married applicant may apply for a separate Account. Applicants: 1) may, after credit
approval, use the credit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to any
joint applicant. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record
may be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.

27. FLORIDA RESIDENTS — You (borrower) agree that, should We obtain a judgment against You, a portion of
Your disposable earnings may be attached or garnished (paid to Us by Your employer), as provided by Florida
and Federal law.
28. MARYLAND RESIDENTS — To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your
Card Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article.

29. MISSOURI RESIDENTS — Oral Agreements or commitments to loan money, extend credit or to forbear from
enforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protect
You (borrower(s)) and Us (creditor) from misunderstanding or disappointment, any Agreements We reach
covering such matters are contained in this writing, which is the complete and exclusive statement of the
Agreement between Us, except as We may later agree in writing to modify it.
30. NEW YORK RESIDENTS — We may obtain a credit report in connection with this Account, including for any review,
modification, renewal or collections associated with this Account. Upon Your request, You will be informed whether such
report was requested and, if so, the name and address of the consumer reporting agency furnishing the report. New York
residents may contact the New York State Department of Financial Services at 800.342.3736 or www.dfs.ny.gov to obtain
a comparative listing of credit card rates, fees and grace periods.
31. OHIO RESIDENTS — The Ohio laws against discrimination require that all creditors make credit equally available to
all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon
request. The Ohio Civil Rights Commission administers compliance with this law.
32. SOUTH DAKOTA RESIDENTS — If You believe there have been any improprieties in making this loan or in the
lender’s loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre,
SD 57501, or by phone at 605.773.3421.
33. WISCONSIN RESIDENTS — If You are married, please contact Us immediately upon receipt of this Agreement at the
address or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are
required to inform Your spouse that We have opened an Account for You.
34. NOTICE TO UTAH BORROWERS — This written Agreement is a final expression of the Agreement between You
and the Credit Union. This written Agreement may not be contradicted by evidence of any oral Agreement. As required by
law, You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit
reporting agency if You fail to fulfill the terms of Your credit obligations.

35. THE FOLLOWING IS REQUIRED BY VERMONT LAW — NOTICE TO CO-SIGNER — YOUR SIGNATURE ON
THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER
DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.

Page 4 of 5

10200764-MXC30-C-1-051721 (MXC304-E)

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 the address listed on Your statement.
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 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:

1. Within 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if We have

already corrected the error.

2. Within 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill is

correct.

While We investigate whether or not there has been an error:

- We cannot try to collect the amount in question, or report You as delinquent on that amount.
- The charge in question may remain on Your statement, and We may continue to charge You interest on that amount.
- While You do not have to pay the amount in question, You are responsible for the remainder of Your balance.
- We can apply any unpaid amount against Your credit limit.
After We finish Our investigation, one of two things will happen:

-

-

If We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that
amount.
If We do not believe there was a mistake: You will have to pay the amount in question, along with applicable
interest and fees. We will send You a statement of the amount You owe and the date payment is due. We may then
report You as delinquent if You do not pay the amount We think You owe.

If You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You
still refuse to pay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Your
bill. We must tell You the name of anyone to whom We reported You as delinquent, and We must let those organizations
know when the matter has been settled between Us.
If We do not follow all of the rules above, You do not have to pay the first $50 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. (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
the address listed on Your statement.
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.

Page 5 of 5

10200764-MXC30-C-1-051721 (MXC304-E)

BORROWER 1 NAME 

BORROWER 2 NAME 

THIS IS NOT A CONTRACT FOR INSURANCE 
Credit Card 

ACCOUNT NUMBER 

DEBTGUARD CONTRACT (Contract) 
PROTECTED LOAN(S)

Platinum 

Life & Disability 

Life Only 

No Protection 

OPTIONS 

CREDIT CARD NUMBER:_ 

YOU ELECT THE 
FOLLOWING 
OPTION: 
(check only one box) 

Program Fee: Rate 
per $100 of the 
Monthly Outstanding 
Loan Balance* 

- Life Plus
- Disability
- Involuntary

Unemployment

- Life Plus
- Disability

- Life Plus

$0.499 

$0.349 

$0.149 

This Contract protects the first two Borrowers listed on the lending agreement. 
ELIGIBILITY QUESTIONS: 
Subject to the terms, conditions and exclusions, You are eligible for protection under this Contract if You are a Borrower on the Loan on the Effective Date of Protection 
and meet the eligibility requirements below. 
If electing an option with Disability or Involuntary Unemployment, You must answer Question 1. 
1. Are You actively working, for wages or profit, for 25 hours or more per week on the date You sign this Contract?
You will be considered actively working if You are absent from work due to sabbatical, strike, or vacation, but will soon return to work. You will not be considered actively
working if You are on an Annual, Regularly Scheduled or Seasonal Layoff, medical or Disability leave.

Borrower 1 
 Yes 

 No 

Borrower 2 
 Yes 

 No 

If at least one Borrower answered Yes to Question 1, both Borrowers are eligible for options that include Disability or Involuntary Unemployment protection. 

Important Notices: Please read this Contract in its entirety. You are bound by the terms and conditions of this Contract. 

-
-
-
-
-
-
-
-

-

We reserve the right to refuse Your purchase of the protection.
In this Contract, the term You or Your mean the Borrower(s) and We, Us, or Our mean the Creditor.
Protection is voluntary and not required to obtain credit. We will not consider whether or not You elect protection in making a credit decision.
This Contract contains terms and conditions which may limit or exclude benefits.
You may not qualify for all benefits.
Protection is limited to a maximum of $50,000. You will not be charged a Program Fee on any amount greater than this maximum.
Protection for Life Plus protection will be reduced at the end of the month during which You reach Your 70th birthday.
This Contract contains the conditions upon which We will cancel all or a portion of the Protected Balance and/or cancel the Protected Payment and the Program
Fee. The terms and conditions which explain how We will cancel all or a part of Your Protected Balance are provided in this Contract.
This Contract replaces all credit insurance policies and/or certificates, similar payment protection plans, and program contracts You previously entered into with
respect to the Loan.
Subsequent Election 
If the election above represents a replacement of credit insurance, similar payment protection or a change in the program for an existing Loan, and the cost of the 
newly elected  protection results in  an  increased  Program Fee,  You  agree  to  increase Your monthly payment according to the terms of Your  credit  card account 
agreement. 

Your signature or authentication below means: (a) that You meet the eligibility requirements shown above; (b) that Your election above will remain in effect, according 
to the terms of the Contract, unless subsequently modified; (c) that You agree that You have received and thoroughly read the Contract; (d) that You agree to pay for and, 
where  applicable,  let  Us  add  the  Program  Fee  to  Your  Loan  balance  each  month,  which  would  subject  the  Program  Fee  to  finance  charges  like  the  rest  of  Your 
Outstanding  Balance;  (e)  that the fee  You  are  charged for this  protection is subject  to  change;  and (f)  if  the  No  Protection  checkbox  is  marked  or if  no  checkbox  is 
marked in the Options section, You do not have protection. 

BORROWER 1 SIGNATURE 

DATE

BORROWER 2 SIGNATURE

DATE

X

X

For Creditor Use Only: By phone conversation, I hereby represent that the above referenced Borrower has authorized election of the specified option(s) indicated above. 

SIGNATURE OF CREDITOR EMPLOYEE 

X

© CUNA Mutual Group 2013, 16 All Rights Reserved 

DATE

TIME

DPMAC6 KAZD86 (03/2017) 
102-0076-4

 
 
CONTRACT

DEFINITIONS 

ACCIDENTAL INJURY means bodily harm that is unforeseen, unexpected, involuntary and due to an external cause. 
ACTIVE EMPLOYMENT means that You are employed for wages or profit 25 hours or more per week. 
ADMINISTRATOR means CUNA Mutual Insurance Agency, Inc., 5910 Mineral Point Road, Madison, Wisconsin 53705, one of its affiliates or a contracted third party. 
ADVANCE means each extension of credit We provide to You under a Loan. 
ANNUAL, REGULARLY SCHEDULED OR SEASONAL LAYOFF means unemployment due to expected lack of work during certain times of the year. 
BORROWER means a natural person who is obligated to repay the Advance to Us, either solely, principally or jointly and severally. 
EFFECTIVE DATE OF PROTECTION means the later of: (a) the date You purchased protection under this program option; or (b) the date We reinstate Your protection 
under this Contract if applicable. 
LOAN means a closed-end note or an open-end credit plan as set forth in the protected Loans section on this Contract.  
NON-PROTECTED ADVANCE means any Advance not protected according to the Non-Protected Events & Advances section of this Contract. 
OUTSTANDING BALANCE means the outstanding Loan balance under a protected Loan. 
PROGRAM FEE means the amount You pay monthly for protection under the Contract. The amount You pay is applied in arrears. This means the monthly amount You 
pay is for the previous month of protection. The rate used to determine the Program Fee is subject to change. You will receive notice before any increase goes into effect.  
PROTECTED BALANCE means the principal, interest, the Program Fee and any amounts which the Creditor and the Borrower agreed to finance as part of the Loan. It 
does not include any other fees, or any Non-Protected Advances. Additionally, any Advance taken during any period of Life Plus, Disability or Involuntary Unemployment 
will not be protected and the payment for that Advance will not be cancelled. You are responsible for re-paying any amounts that are not cancelled. 
PROTECTED PAYMENT means the greater of: (a) the minimum payment required on Your Protected Balance; or (b) $200.00.  The amount We cancel will never be 
greater than the amount You owe on the Protected Balance. It does not include the amount of any payment that represents a past-due payment. For interest cancellation 
options, the Protected Payment will be the interest and Program Fee due on the Protected Balance. The Protected Payment will remain equal to the Protected Payment 
as of the first day of the Protected Event. Additionally, any Advance taken during any period of Life Plus, Disability or Involuntary Unemployment will not be protected and 
the payment for that Advance will not be cancelled. You are responsible for re-paying any amounts that are not cancelled. 
PROTECTION ACTIVATION means the cancellation of Your Protected Payment in accordance with the terms and provisions of the Contract. 
SICKNESS means a disease, illness or condition that affects the body and causes bodily malfunction or discomfort.  
TEMPORARY  EMPLOYEE  means  an  employee  of  a  single  employer  working  in  a  limited-term  employment  assignment  or  an  employee  working  in  a  contingent  or 
temporary employment assignment with a different entity than the employees employer and is not paid by the entity where such employee actually performs work. 
WILLFUL OR CRIMINAL MISCONDUCT means an act of willful disregard of the employers interests, a deliberate violation of the employers rules, a disregard of the 
standards of behavior which the employer has a right to expect of an employee, or negligence indicating an intentional disregard of the employers interests or of the 
employees duties and obligations to the employer, or any unlawful behavior as determined by local, state or federal law. 

PROTECTED EVENTS 
We will protect the Loan(s) according to the terms of this Contract if You purchased protection and You pay the applicable Program Fee. Throughout the life of the Loan, 
You must qualify for protection at the time of Protection Activation. It is Your responsibility to notify Us if Your circumstances change.  
LIFE PLUS (Included with Platinum, Life & Disability, and Life Only) 
If Your death occurs:  

-

-

before the end of the month during which You reach Your 70th birthday, We will cancel 100% of Your Protected Balance as of the date of death, up to a maximum
of $50,000.
after the end of the month during which You reach Your 70th birthday, We will cancel 25% of Your Protected Balance as of the date of death, up to a maximum of
$12,500.

If two protected Borrowers die, We will cancel the lesser of the Life Plus amount for each protected Borrower or the Protected Balance. 
Life Plus protection includes the following Protected Events. To qualify for: 

-

-

-
-

-

Accidental Dismemberment: You must have an injury caused only by external, violent and accidental means and results in the total irrecoverable loss of sight
in one or both eyes, the loss of one or  both feet by  actual severance or amputation at  or above the ankle, or the loss of  one  or both entire  hands by actual 
severance or amputation at or above the wrist. Dismemberment must occur within 90 days of the injury which caused it.
Terminal Illness: You must have received a certified diagnosis from a licensed physician, other than You or an immediate family member, of a Terminal Illness
with a life expectancy of 12 months or less. Protection Activation will begin on the date Your Terminal Illness is certified. 
Hospitalization: You must be admitted to a hospital for at least 48 consecutive hours.
Family Medical Leave: You, with Your employer's written approval, take an unpaid leave of absence from Your Active Employment for at least 14 consecutive 
days to attend to the needs of Your newborn, newly adopted or foster child, or to care for Your spouse, child or parent with a serious health condition (as defined
by  the Federal Family  and  Medical  Leave  Act). For purposes of  this protection, a  spouse includes Your spouse,  common law spouse or  a  legally recognized
same-sex  domestic  partner.  This  protection  will  not  protect  You  during a  leave  of  absence  that  occurs  while  You  are  a  Temporary  Employee,  an
independent contractor, self-employed, or employed by a joint Borrower.
Loss of Life of a Non-Protected Dependent: The death of a non-protected dependent, which in the past 2 years was a dependency exemption on Your tax
return. 

If  You  qualify  for  Protection  Activation  under  Hospitalization,  Family  Medical  Leave,  or  Loss  of  Life  of  a  Non-Protected  Dependent,  We  will  cancel  3  Protected 
Payments or up to $3,000, whichever occurs first, one time per a 12 month period beginning with the Protected Event. 
If You qualify for Protection Activation under Terminal Illness or Accidental Dismemberment: 

-
-

before the end of the month during which You reach Your 70th birthday, We will cancel 100% of Your Protected Balance up to a maximum of $50,000.
after the end of the month during which You reach Your 70th birthday, We will cancel 25% of Your Protected Balance up to a maximum of $12,500. 

NOTE:  Protection  Activation  will  not  be  provided  for  LIFE  PLUS  if  You  no  longer  have  a  Protected  Balance.  If  more  than  one  Protected  Event  occurs  for 
Hospitalization, Family Medical Leave, or Loss of Life of a Non-Protected Dependent within a 12 month period, Protection Activation will only occur once. Additionally, if 
Protection  Activation  is  occurring  for  Disability  or  Involuntary  Unemployment,  We  will  cancel  3  Protected  Payments  or  up  to  $3,000,  whichever  occurs  first,  for 
Hospitalization,  Family  Medical  Leave  or  Loss  of  Life  of  a  Non-Protected  Dependent  after  Protection  Activation  has  stopped  for  Disability  or  Involuntary 
Unemployment. However, if You incur a Terminal Illness or an Accidental Dismemberment, We will cancel according to the terms under If You qualify for Protection 
Activation under Terminal Illness or Accidental Dismemberment provision. 
DISABILITY (Included with Platinum and Life & Disability)  

DPMAC6 KAZD86 (03/2017) 
102-0076-4 

CONTRACT

During the first 12 consecutive months of Disability, Disability means You are unable because of a medically determined Accidental Injury or Sickness, to perform all of 
the essential functions of Your occupation, and You are under the regular care and treatment of a licensed physician, other than You or a family member. After the first 12 
consecutive months of Disability, the definition of Disability changes to mean that You are unable, because of a medically determined Accidental Injury or Sickness, to 
perform the essential functions required of any occupation for which You are reasonably qualified by training, education or experience. You must be under the regular 
care and treatment of a licensed physician, other than You or a family member. If You are not employed when Your Disability begins, Disability always means You are 
unable, because of a medically determined Accidental Injury or Sickness, to perform the essential functions required of any occupation for which You are reasonably 
qualified by training, education or experience. 
To  qualify  for  Disability  protection,  You  must:  (a)  meet  the  definition  of  Disability  for  at  least  30  consecutive  days;  and  (b)  not  be  actively  working  at  any  job  or 
combination of jobs paying You an income equal to or exceeding 80% of the income You were earning from Your Active Employment immediately preceding the date You 
qualified for Disability. 
After  You  have  satisfied  the  waiting  period  and  beginning  with  the  1st  day  of  Your  Disability,  We  will  cancel  a  minimum  of  2  scheduled  monthly  payment(s). 
Thereafter, We will continue to cancel Your scheduled monthly payment for each 30 days, consecutive or non-consecutive, that You are Disabled, up to a maximum of (a) 
24 months or (b) $24,000. We will never cancel more than 12 monthly Protected Payments during a 12 month period. The calculation of the 12 month period begins on 
the date Your benefits begin.  
Cancellation of Your Protected Payment will stop the earliest of: (a) 24 months of Protected Payments have been cancelled; (b) $24,000 maximum per period of 
Disability has been reached; (c) You no longer have a Protected Balance, Your Loan is paid-off or discharged for any reason; (d) the date You return to actively working 
at any job or combination of jobs paying You an income equal to or exceeding 80% of the income You were earning from Your Active Employment immediately preceding 
the date You qualified for Disability; (e) You no longer qualify for Disability protection; or (f) You are deceased. 
INVOLUNTARY UNEMPLOYMENT (Included with Platinum) 
Involuntary Unemployment means that You involuntarily lost Your Active Employment. 
To  qualify  for  Involuntary  Unemployment  protection,  You  must  meet  the  following  requirements  at  the  time  of  Protection  Activation  and  throughout  the 
protected period: (a) You meet the definition of Involuntary Unemployment for at least 30 consecutive days; (b) You are receiving or have received state unemployment 
benefits  for  the  period  of  unemployment  for  which  You  are  requesting  Protection  Activation;  (c)  You  are  seeking  Active  Employment;  and  (d) You  provide  Us  or  Our 
Administrator with proof of qualification for Involuntary Unemployment protection at the time of Protection Activation and throughout the protected period.  
NOTE: An award for unemployment benefits from Your state agency does not guarantee cancellation of Your Protected Payment under this Contract. 
After You have satisfied the waiting period and beginning with  the 1st day of Your Involuntary Unemployment, We will cancel a minimum of 2 scheduled monthly 
payment(s).  Thereafter,  We  will  continue  to  cancel  Your  scheduled  monthly  payment  for  each  30  days,  consecutive  or  non-consecutive,  that  You  are  Involuntary 
Unemployed, up to a maximum of (a) 6 months or (b) $3,000. We will never cancel more than 12 monthly Protected Payments during a 12 month period. The calculation 
of the 12 month period begins on the date Your benefits begin. 
Protection Activation will not be provided for Involuntary Unemployment resulting from: (a) any Annual, Regularly Scheduled or Seasonal Layoff; (b) any period of 
unemployment that occurs while You are a Temporary Employee, independent contractor, self-employed or employed by a joint Borrower; (c) retirement; (d) vacation; 
(e) strike; (f) unionized labor dispute; (g) lockout; (h) termination due to Your Willful or Criminal Misconduct; (i) voluntary unemployment; (j) voluntary loss of wages; or (k)
spousal relocation.

NON-PROTECTED EVENTS & ADVANCES 

An event will not be protected under this Contract if it: 
is the result of a felony committed by You; 
is caused by or results from an atomic explosion or any other release of nuclear energy (except when used solely for medical treatment);
is the result of an elective cosmetic surgery;
is the result of an intentionally self-inflicted injury; 
is the result of an assisted suicide or an attempted assisted suicide; or
occurs prior to the Effective Date of Protection.

-
-
-
-
-
-

A death event (other than death of a non-protected dependent) will not be protected by Life Plus protection if it: 

-

-

occurs  within  the  6  months  immediately  following  the  Effective  Date  of  Protection,  and  is  related  to  a  pre-existing  condition  for  which  You  received  advice,
diagnosis, or treatment (including medication) within the 6 months immediately preceding the Effective Date of Protection; or
is the result of a suicide that occurs within the 12 months immediately following the Effective Date of Protection. 

An event (other than Your death) will not be protected under Life Plus protection if the event: 

- 

occurs within the 3 months immediately following the Effective Date of Protection.

An event will not be protected by Disability protection if it:

-

-

occurs  within  the  6  months  immediately  following  the  Effective  Date  of  Protection,  and  is  related  to  a  pre-existing  condition  for  which  You  received  advice,
diagnosis, or treatment (including medication) within the 6 months immediately preceding the Effective Date of Protection; or
is related to a normal pregnancy; however, complications due to pregnancy or childbirth may be protected if the complications themselves are the cause of the
Disability.

An event will not be protected by Involuntary Unemployment protection if it: 

-

occurs within the 3 months immediately following the Effective Date of Protection.

GENERAL PROVISIONS 
CHANGING YOUR OPTIONS. You must provide Us written notice of any request to change Your options. If You add a Protected Event, the Effective Date of Protection 
for the additional Protected Event is the date You purchased protection for that Protected Event. This will not change the Effective Date of Protection for any previously 
elected Protected Event(s). If You remove a Protected Event, the termination date is the date You removed protection for that Protected Event, which can never precede 
the date of Your written notice. 
CHANGING THE TERMS OF THIS CONTRACT. We reserve the right to change the terms of this Contract and apply those changes to the protection You purchased 
under  this  Contract.  You  will  receive  notice  before  any  change  goes  into  effect.  Your  continued  payment  of  the  Program  Fee  will  constitute  Your  acceptance  of  the 
change in terms.  
CONCURRENT PROTECTED EVENTS. For each protected Borrower, the amount cancelled will be applied to the dollar and term limitations for each Protected Event. 
We will never cancel more than the Protected Payment. If You qualify for Disability (original Protected Event) and sustain an additional Sickness or Accidental Injury, 
which would be in and of itself disabling, the additional Sickness or Accidental Injury will not be considered a new Disability Protected Event, but rather will be considered 

DPMAC6 KAZD86 (03/2017) 
102-0076-4 

CONTRACT

the same Protected Event. This means that You will receive benefits only if You did not exhaust Your maximum Protected Event benefits in connection with the original 
Protected Event. In the event a Life Plus, Disability or Involuntary Unemployment event occurs while Protection Activation is occurring for Life Plus, We will 
not provide Protection Activation for these events until Protection Activation has stopped for Life Plus. 
CONTINUED EFFECTIVENESS. If any part of this Contract is determined to be unenforceable, it does not affect the validity of the rest of the Contract. 
ERRORS  AND  ADJUSTMENTS.  If  We  have  inadvertently  deviated  from  the  terms  of  this  Contract,  We  will  make  the  necessary  adjustments  when  the  error  is 
discovered. If We cancel more benefits than You are entitled to under this Contract, You will remain obligated to pay these amounts to Us within 30 days of receipt of 
written notification from Us as if no cancellation occurred. 
LOAN OBLIGATION. Protection under this Contract does not affect, alter, or otherwise relieve Your obligations under Your Loan with Us. Whether or not You have made 
a request for Protection Activation, You remain obligated to make payments to Us and to comply with the terms of Your Loan.  
LOAN OBLIGATION AFTER A PROTECTED EVENT. During the time it takes to process Your Protection Activation, You remain responsible for making at least the 
minimum required Loan payment due on the Loan by the payment due date. If the minimum required Loan payment due is greater than the Protected Payment, You are 
responsible for paying the difference to Us. Upon approval of Your Protection Activation, We will refund to You or credit to Your account any Loan payments You made 
during the processing period that were eligible for cancellation.  
MISSTATEMENT OF MATERIAL FACT. If We find that You provided false or inaccurate information We reserve the right to terminate Your protection. If a Protection 
Activation has been filed, the Protection Activation will be denied. 
PAST EVENTS. This Contract does not protect You from events that occurred before You purchased protection.  
PROOF  OF  A  PROTECTED  EVENT.  You  must  notify  Us  or  Our  Administrator  of  a  Protected  Event  as  soon  as  possible.  You  are  responsible  for  providing,  and 
continuing to provide, all the information required by Us to determine qualification for Protection Activation for the Protected Event. If You fail to provide all the information 
required  by  Us  to  verify  Your  continued  qualification  for  Protection  Activation  We  will  not  cancel  all  or  a  portion  of  the  interest,  Protected  Payment,  Program  Fee,  or 
Protected Balance. All information must verify the Protected Event to Our satisfaction. We will only make cancellations if You have a Protected Balance at the time of the 
Protected Event. 
RECURRENCE OF SAME OR RELATED PROTECTED EVENTS. If the same type of Protected Event occurs again within 1 year after You have recovered or returned 
to Active Employment, We will treat this as one Protected Event subject to the initial Protected Events terms and conditions, including, but not limited to the maximum 
number of cancellations for the initial Protected Event. No additional benefits will be activated once You have reached any of the initial Protected Events maximums. For 
Disability, this only applies if You suffer a Disability due to the same condition.  
If the same type of Protected Event (for Disability the same condition) occurs again more than 1 year after You have recovered or returned to Active Employment, We will 
consider it a new Protected Event and You will need to satisfy all requirements to qualify for Protection Activation. This provision applies whether You return to Active 
Employment with the same or a different employer. 
TAX  IMPLICATIONS.  You  may  be  subject  to  federal,  state,  and  local  taxes  on  the  amount  of  Your  cancelled  Protected  Payment  or  Protected  Balance.  You  should 
consult Your tax advisor. We or Our Administrator will not provide You with guidance on the tax implications, if any, of a cancelled debt. 
TERMINATION OF PROTECTION. You may terminate protection on Your account(s) at any time by providing Us with written notice at least 5 business days prior to the 
requested termination date. If You do so within 30 days of purchasing protection, We will credit You for any Program Fees charged for the protected account(s). We will 
credit You for any Program Fees You paid for the period after Your protection terminates. Termination will not affect benefits for a Protected Event that occurred prior to 
the termination date as long as an Outstanding Balance remains on the protected account(s). 
Your protection will automatically terminate: 

-

-
-

on the last day of the month during which Your Loan and/or Program Fee is 3 months delinquent or past due. If You bring Your protected account current, Your
protection will not be reinstated automatically. You must re-purchase protection and meet all requirements to qualify for protection; 
if Your Loan is paid-off, refinanced with a Creditor other than Us, or discharged for any reason; or
if We give You written notice at least 30 days in advance of the termination (or as required by law). 

Contact Us with any questions on this Contract. 

DPMAC6 KAZD86 (03/2017) 
102-0076-4 

Vantage West Rewards Terms and Conditions 

Vantage West Rewards is a promotional rewards program ("Program") sponsored by Vantage West 
Credit Union ("Vantage West,” “credit union,” "we," "us" or "our") and administered by BreakAway 
Loyalty LLC ("BAL"). In this Program, "you" or "your" means everyone that may be a consumer 
accountholder (joint, authorized signer or otherwise) on a Vantage West Credit Card or Debit Card.  By 
using your Vantage West Credit Card or Debit Card you agree to these Vantage West Rewards Program 
Terms and Conditions. BAL uses Montrose travel service to book all travel reservations under the 
program, including airline tickets, cruises, and travel packages. The Program awards Vantage West 
Rewards points ("Points") on each Qualifying Purchase made on your Vantage West Rewards Account(s). 
Once you have been awarded enough Points, you can use them for Rewards such as cash back, 
merchandise, gift cards, cash rewards, travel, and charitable donations, or as a gift to another member 
enrolled in the Program. Vantage West reserves the right to disqualify any individual or joint account 
holders who violate these Terms and Conditions or violate any Program rules, terms, or conditions 
posted on the Website listed below or otherwise disclosed by Vantage West. The rules of the Program 
are outlined below. 

Contact Information 
Members may contact 866-247-7939 between the hours of 8:00am-10pm EST Monday-Friday and 
9:00am-10:00pm EST on weekends, except holidays, or go to rewards.vantagewest.org to make 
redemptions, or for specific questions related to Vantage West Rewards. Online Banking users may also 
access the Website through the Vantage West Rewards section of our Online Banking service. 

Enrollment
Vantage West Consumer Credit Cards and Debit Cards will be auto-enrolled in Vantage West Rewards, 
with the exception of any debit cards tied to an Essential Checking account which is not eligible, and you 
agree to be bound by the terms of the program.  There is no charge for participating in the Program.  
Business credit and debit cards are excluded from the program and not eligible to earn points.  

Earning Points
Vantage West Debit Card Reward Points accrue at a rate of one (1) point for every $5.00 in qualifying 
Net Purchases made with your Vantage West Debit Card. Essential Checking does not qualify for rewards 
therefore any debit card tied to Essential Checking will not accrue any points.  

Vantage West Connect Credit Card Reward Points accrue at a rate of one (1) point for every $2.00 in 
qualifying Net Purchases made with your Vantage West Connect Credit Card.  

Visa Signature Connect Rewards Credit Card Points accrue at a rate of one (1) point for every $1.00 in 
qualifying Net Purchases; two (2) points for every $1.00 on all qualifying grocery purchases; three (3) 
points for every $1.00 in qualifying Gas purchases; and five (5) points for every $1.00 in qualifying Net 
Purchases on member selected category. 

Visa Signature Connect Rewards Credit Card 5X Category Options  
You earn 5X the regular earned rate on all purchases made within the 5X point’s category chosen for 
each quarter. In order to earn 5X points you must select a category, prior to the first day of the quarter, 

10/2021 

for which you want to earn 5X points. Category selections are done through rewards website. You may 
change your 5X point’s category quarterly. If you do not select a category by the first day of the quarter, 
the category for the previous quarter will roll over.  You must select an initial 5X category in order to 
earn the 5X points. If you do not select an initial category, you will not earn 5X points until you do. 5X 
times point’s category is capped at $1500 in qualifying purchases per quarter. Only the Visa Signature 
Connect Rewards Credit Card will earn the 5-3-2X points.   

Cash Back and Points:  Cash Back Rewards are tracked as points and each $1.00 in Cash Back Rewards 
earned is equal to 100 points. You may see “Cash Back” in marketing materials when referring to the 
rewards you earn. You can use your points to redeem for any available reward options, including cash, 
gift cards, travel, and products or services made available through the program or directly from third 
party merchants. 

Rewards are paid based on merchant codes associated with each card transaction. Vantage West Credit 
Union is not responsible for the merchant code used by a retailer. Retailers are assigned a merchant 
code based on their category (what each merchant primarily sells) and that merchant code is 
transmitted to the credit union with each purchase transaction. Rewards points awarded are final. 
Vantage West cannot change a transaction’s assigned merchant code, even if it does not correspond to 
the retailer’s category.  

Merchant Categories for the 5x Options 

Travel-Airlines, Hotel, Car 

Hardware Stores & Home Improvement 

  Restaurants 
  Utilities 
  Electronic & Department Stores 
  Wholesale (In store purchases 
only. Online not eligible.) 

  Charitable Organizations 
  Drug Stores & Pharmacies 
  Amazon.com 

General Terms  
"Net Purchases" mean the total Qualifying Purchases made with Vantage West Rewards Credit or Debit 
Card, less any returns, credits or adjustments that are not payments.  A "Qualifying Purchase" is a non-
PIN merchant transaction. We reserve the right to determine at our sole discretion whether a particular 
transaction is a Qualifying Purchase or to include or exclude other charges from the definition of 
Qualifying Purchases. “Earned Points” are those Points awarded based on Net Purchases made with 
your Vantage West Card. “Bonus Points” are those Points awarded to you by us for promotional or other 
purposes and are not considered Earned Points. 

Points only accumulate on Qualifying Purchases. Outside of special promotions, points do not 
accumulate on cash advances, balance transfers, or convenience check transactions. When merchandise 
purchased with your Vantage West Credit or Debit Card is returned, the account credit will result in a 
reduction of Vantage West Reward points.  

Points from Net Purchases are typically awarded within two (2) to three (3) business days after your 
Qualifying Purchases post to your Vantage West Credit or Debit account.  However, the actual period of 
time it will take to receive points for any single eligible transaction may vary, and neither Vantage West 

 
 
 
 
 
nor Breakaway Loyalty shall be liable for any fees incurred by you or any other loss you may sustain as a 
result of your reliance on point redemptions. We reserve the right to verify and adjust Points at any 
time. 

If you return an item to a retailer, and as a result, receive either cash or credit after you have already 
earned points from a participating merchant, Vantage West reserves the right to deduct from your point 
balance the points which you received as a result of the original purchase of the item. Returns are 
subject to the return policy of the merchant from whom you purchased. If you return or cancel an item, 
we reserve the right to reverse any points earned from that sale without notice.  

Points cannot be transferred between the Program and any other rewards program. Points are not your 
property and have no cash value until redeemed for Rewards. Any Points balance remains the property 
of Vantage West until redeemed, and the Points balance will remain the property of Vantage West 
should you fail to exercise your redemption rights. 

Merchant Funded Rewards
Points and rewards may be earned at specific merchants. Rewards offered on Vantage West Credit and 
Debit Cards will earn points through specified participating merchants. These specified card products 
will earn points at specified participating merchants in addition to the one (1) point for every $5.00 in 
qualifying Net Purchases made with your Vantage West Debit Card; and one (1) point for every $2.00 in 
qualifying Net Purchases made with your Vantage West Connect Credit Card; and one (1) point for every 
$1.00 in qualifying Net Purchases; two (2) points on all qualifying grocery purchases; three (3) points for 
every $1.00 in qualifying Gas purchases; and five (5) points for every $1.00 in qualifying Net Purchases 
on member selected category made with your Visa Signature Connect Rewards Card. 

Offers extended by participating merchants will allow you to earn points and rewards based upon the 
amount of your qualifying purchase. Offers extended by some participating merchants will allow you to 
earn points on online qualifying purchases only. Online offers at participating merchants must be 
accessed by clicking on the link for the specific offer on the Program Website.  

You earn points based on the dollars you spend at participating merchants using your Vantage West 
Credit and Debit Cards. Details of the Program, including a list of participating merchants, specific point 
offers and eligibility rules for such offers, are included on the Program Website. 

Linking Accounts  
All eligible Vantage West Credit and Debit Cards under a single membership number will be linked into 
one Vantage West Rewards account where the various points accrued will be aggregated for 
redemption.     

Expiration
Earned Points and Bonus Points, unless otherwise disclosed in the terms of the promotion or Bonus 
Points offer, will not expire as long as a Qualifying Purchase is made with your Vantage West Card at 
least once every two (2) years. To facilitate this policy, Earned Points and Bonus Points will be assigned 
an expiration date two (2) years in the future and the expiration date for Earned Points and Bonus Points 
will automatically update every time a Qualifying Purchase is made with your Vantage West Card. 

 
 
 
If you receive gifted points, the gifted points will expire twelve (12) months from the date the points are 
gifted or purchased. See Point Gifting below. 

Periodic Statement
Your Rewards information will be summarized on your regular monthly statement to include: Starting 
Balance, Points Earned, Points Redeemed, Points Expired, Adjusted Points, Ending Balance, and Points 
Expiring the next billing cycle.  

Redemption
You or any joint account holder on your Vantage West Account can redeem your Points online at 
rewards.vantagewest.org anytime or by calling the Rewards Service Center at 866-247-7939 between 
the hours of 8:00am-10pm EST Monday-Friday and 9:00am-10:00pm EST on weekends, except holidays.  

We reserve the right to refuse to redeem Points if any of your Vantage West Accounts are closed by us, 
suspended, delinquent, over limit, or in default, or if your enrollment in the Program is terminated or 
suspended. Points are not awarded on a Vantage West Account after it is closed. Additionally, all Points 
will be forfeited and no additional Points will be awarded on any of your Vantage West Accounts if one 
or more of them are closed by us, suspended, delinquent, over limit, or otherwise in default as defined 
in your Credit Card and/or Member Agreement. Your qualified rewards will be forfeited if you close your 
membership at Vantage West.  

Except for designated travel rewards, payment may not be supplemented with Points to redeem 
Rewards. Determination and payment of any tax liability is your sole responsibility, consult your tax 
advisor. 

Point Gifting
You may gift points to other Vantage West accounts and/or participants. Gifting points is free. Points may be 
gifted in any denomination and can only be gifted to accounts that are open and in good standing.  

Customer Service  
If you have a problem or question regarding whether you earned points from a particular transaction, 
whether your points were properly redeemed or the status of your redemption order, or any other 
question regarding the Program, you can go to the rewards.vantagewest.org, call 866-247-7939, or mail 
to P.O. Box 15115 Tucson AZ 85712. If you choose to contact us by e-mail, send your full name and 
address and the issue to vantagewestrewards@breakawayloyalty.com. Do not send your card number 
or other personal financial information by e-mail.  

If you contact us regarding an error or mistake with respect to your Vantage West account, we will use 
reasonable efforts to investigate and correct the error or mistake, subject to the limitations set forth in 
these terms and conditions. In any event, you must notify us within 60 days of the posting date or the 
date of the alleged error or mistake in order for us to undertake an investigation of the matter. We may 
require you to provide written confirmation of the alleged error or mistake. If we do not receive the 
requested written confirmation at the address and within the time frame requested by us, we may in 
our sole discretion determine not to correct the alleged error or mistake. If we complete our 
investigation of the alleged error or mistake and notify you of our determination, we have no further 
responsibilities should you later reassert the same alleged error or mistake. All questions or disputes 

 
 
 
regarding the Program, including eligibility, earning points, or redemption of points for Vantage West, 
will be resolved by us in our sole discretion. 

Disclaimers/Limitations  
Any and all taxes on points, accommodations, or services in connection with the Vantage West Rewards 
Program are the responsibility of the cardholder. Please consult with a tax advisor concerning any 
income or other tax consequences that may be related to Vantage West Rewards.  

Neither Vantage West, BreakAway Loyalty, nor any of our agents shall be liable for any bodily harm 
and/or property damage that may result from your participation in the Program, redemption of Points, 
or for the performance by any airline for transportation services or any other type of goods or services 
whatsoever provided or to be provided through the Program. We do not endorse, guaranty, or warrant 
the goods and services offered by any airline, cruise provider, lodging establishment, or any other travel 
vendor, retailer, or other type of service or product suppliers participating in the Program. To the fullest 
extent permitted by law, we and BreakAway Loyalty hereby specifically disclaim any representations or 
warranties, express or implied, regarding the Program, Points, travel rewards, and any products or 
services, including any WARRANTY OF MERCHANTABILITY or FITNESS FOR A PARTICULAR PURPOSE or 
implied warranties arising from course of dealing or course of performance. 

Termination or Changes to the Program  
We reserve the right to terminate the Program or to change the Program rules, benefits, or points 
levels, in whole or in part, at any time with or without notice, even though changes may affect your 
ability to use accumulated points. Your continued participation in the Program after any change shall be 
deemed to be your acceptance of any such change. If you do not agree to any change of this Agreement, 
you must immediately cease participation in the Program. The accumulated Points do not entitle you to 
any vested rights with respect to points, credits, rewards, or benefits. We will attempt to give advance 
notice to you before terminating or making changes to the Program, unless immediate changes are 
required by law or by other circumstances beyond our control. For updates on Program Changes, please 
visit rewards.vantagewest.org or call us at 1-800-888-7882.  

This Vantage West Rewards Program is void where prohibited by federal, state, or local law.  

Returns

All merchandise and nonmerchandise Rewards, such as gift cards, e-gift cards, and certificates, cannot 
be returned. Except in connection with merchandise damaged in transit or not received, at the 
discretion of Vantage West or BAL. Redeemed Rewards are not refundable, exchangeable, replaceable, 
redeemable, or transferable for cash, credit, other Rewards or points under any circumstances; we, the 
Program Administrator, and participating merchants are not responsible for replacing lost, stolen, 
damaged or mutilated Rewards, including retail or travel certificates, gift certificates, gift cards, e-gift 
cards, or other merchandise. 

Members may contact 866-247-7939 between the hours of 8:00am-10pm EST Monday-Friday and 
9:00am-10:00pm EST on weekends, except holidays.  

Privacy  

 
 
 
 
 
 
All information collected in connection with the Program is subject to our privacy policy, a copy of which 
was given to you with your account and which you can get from us online at rewards.vantagewest.org. 

Travel Program  

  The list of airline, hotel, rental car, cruise, vacation package or experience companies and any 
other listed award available in the Program is subject to change and may be discontinued in 
whole or in part without notice. All travel awards are subject to the specific terms and 
conditions and rules and restrictions imposed by the individual travel companies, airlines, 
hotels, rental car, cruise line, vacation package or experience provider companies. Compliance 
with these terms and conditions and rules and restrictions is the responsibility of the 
Participant. All reservations are made subject to the conditions of carriage, supply or business of 
the party providing the service, including any exclusions and limitations of liability. 

  Geographic restrictions may apply. The information and descriptions given about the travel 
rewards are based on the inquiries made and are believed to be accurate, but We offer no 
warranty or representation on the information provided. 

  You are responsible for ensuring that the name(s) on the reservation exactly match the 

identification required. 

  You or the reward recipient are responsible for any federal, state or local income or other taxes 

or other fees or gratuities, if applicable. 

  Special requests can be made but are not guaranteed. Fees, taxes and charges may apply, 

depending on the request. 

  Government issued photo identification is required for all domestic travel. Additional 

identification such as a Passport, Visa and certain health requirements may be required for 
travel outside the United States. It is Your or the reward recipient’s responsibility to obtain 
proper travel identification, documentation, and/or inoculations for the destination. It is Your or 
the reward recipients responsibility to consult with your Doctor for up-to-date medical travel 
information well before travel. You or the reward recipient is responsible for paying the cost of 
any items required for travel. 

  Certain restrictions may apply to travel certificates, tickets and documents. Travel certificates, 
tickets and documents are not exchangeable, refundable, transferable or redeemable for cash, 
and cannot be combined with any other discounts, coupons or rewards. If an electronic method 
of distribution is not applicable, all travel certificates, tickets and documents will be delivered 
via a traceable method and will not be replaceable in the event of loss, destruction or theft. You 
may request travel certificates, tickets and documents to be delivered by overnight carrier and 
You agree to pay the associated additional delivery fees. 

  To cancel or change travel reservations, if applicable and allowed by the specific Supplier, please 
call a travel representative at 866-247-7939. Cancellations or changes may result in Supplier 
imposed penalties and/or additional program fees which will be disclosed to You at that time. 
If Your travel reward is affected by involuntary cancellation due to weather, war, terrorism, 
epidemic outbreak, acts of civil unrest, natural disasters, or other force majeure events, 
cancellation fees may be waived at the discretion of the Supplier. 

  The Supplier will collect and remit taxes to the applicable taxing authorities. Taxability, the 

appropriate tax rate and the type of applicable taxes vary greatly by Supplier.  
If a Supplier is located within a certain jurisdiction, the charge to Your payment card for taxes 
and fees includes a tax that Montrose Travel is required to collect and send to the jurisdiction 
owed on amounts retained as compensation for services.  

 
 
 
Montrose Travel is not able to facilitate a rebate for applicable Goods and Services Tax ("GST") 
or Value Added Tax (“VAT”) if You are using Services to book international accommodations.  
Government imposed departure or entry taxes may not be included in ticket taxes. You or the 
reward recipient should be prepared to pay these taxes in cash at the travel location. 
If a travel award redemption results in a cardholder payment card charge, the card may be 
charged by either the Travel Supplier (e.g. Airline, Cruiseline) or by the Program Travel Rewards 
Provider, Montrose Travel, and appear on your statement as applicable (e.g. MT*BREAKAWAY 
AIR or MONTROSE TRAVEL). Depending on the award and how many rewards you redeemed, 
the total cost charged to your payment card may appear as more than one charge on your 
payment card statement. When combined, these separate card charges will equal the total cost 
to be charged to your payment card for this award redemption, as authorized during the 
booking process for the award.  
These travel program rules, combined with the general program terms and conditions, and any 
other rules established by Breakaway Loyalty, constitute the full set of program rules.