CREDIT CARD AGREEMENT  
     United States Senate    
                                                                                    
                                                                   AND DISCLOSURE 
     Federal Credit Union    
                                                                                    
                                                                       Variable Rate 
                                                 
                                            
     MEMBER/BORROWER(S) NAME AND ADDRESS          ACCOUNT/MEMBER NO.    DATE   
     John Sample                   Jane Sample     00000000          0 3 / 25 /1 6      
     123 Main Street  
     Anywhere, USA 00001                         CREDIT LIMIT  
                                                  $ 0  
    Interest Rates and Interest 
                                        ? VISA Smart Rate     ? VISA Smart Rewards  
    Charges  
                              
    ANNUAL PERCENTAGE RATE  
    for Purchases               10.50        %  
                            This APR will vary with the market based on the Prime Rate.  
                              
    ANNUAL PERCENTAGE RATE  
    for Balance Transfers         10.50           %  
                            This APR will vary with the market based on the Prime Rate.  
                              
    ANNUAL PERCENTAGE RATE  
    for Cash Advances             10.50           %  
                            This APR will vary with the market based on the Prime Rate.  
                            None  
    Minimum Interest Charge  
                            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 
    Paying Interest  
                            month. We will begin charging interest on cash advances and balance transfers on the 
                            transaction date.  
    For Credit Card Tips from   To learn more about factors to consider when applying for or using a credit card, visit the 
    The Consumer Financial  website of the Consumer Financial Protection Bureau at: 
    Protection Bureau       http://www.consumerfinance.gov/learnmore  
    FEES                     
    Set-up And Maintenance Fees     
       Annual Fee           None  
       Document Copy Fee    $20.00 for each copy of a merchant draft.  
                              
    Transaction Fees  
                              
       Cash Advance & Balance  
                            None  
    Transfers  
                            1% of the transaction amount.  
       Foreign Transactions  
                              
      
    Penalty Fees Late         
       Payment              Up to $35.00 if your payment is received after the due date. Up 
       Returned Payment     to $35.00 for each returned payment.  
                              
    How We Will Calculate Your Balance: We use a method called �Average Daily Balance (including new purchases)�. See your account 
    agreement for more details.  
    Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Account agreement.  
    Periodic Rate:  
    The Purchase, Cash Advance and Balance Transfer daily periodic rate is       0.02877         % 
    Margin:  
    The Purchase, Cash Advance and Balance Transfer margin is      7.00                %  
      
     
     
     
     
     
     
      2010 ConmarSystems, Inc., Peachtree City, GA  30269 E-FORM 17041-6 Rev 12/12    Page 1 of 3  
                          CREDIT CARD AGREEMENT AND DISCLOSURE (continued)  
     This Agreement will establish the terms and conditions of your credit card agreement with United States Senate Federal Credit Union. In this agreement, the 
     words "you" and "your" mean any person receiving and using the card and that by using the card for the first time "you" agree to all terms and conditions in 
     this agreement. "Card" means the VISA Smart Rate or VISA Smart Rewards credit card and any duplicates and renewals the Credit Union issues. "Account" 
     means your VISA Smart Rate or VISA Smart Rewards credit card account with the Credit Union. "Credit Union," "we," "us," and "our" mean United States 
     Senate Federal Credit Union. You must be a member of the Credit Union to apply for a credit card. Except to the extent that Federal Law is applicable, the 
     laws of the Commonweatlh of Virginia shall govern the validity, construction and enforcement of this Agreement and all matters arising out of the issuance 
     and use of the Card.  
     USING THE ACCOUNT: Upon your approval for an account, the Credit Union  MONTHLY PAYMENTS: Each payment you make on the account will restore 
     will establish a line of credit for you. Notification of your limit will be made when  your credit limit by the amount of the payment that is applied to the principal 
     the card is sent to you. You agree not to let your account balance exceed your  amount of purchases and cash advances. At any time your total new balance 
     approved credit limit.                 exceeds your credit limit, you must immediately pay the amount over your 
     RESPONSIBILITY: You promise to pay any and all charges incurred by you  credit limit.  
     or by any person whom you authorize to use the Credit Card issued to you,  A PAYMENT IS REQUIRED EACH MONTH: You must pay at least the 
     and any fees or charges incurred in the recovery of a credit card, retrieval of  minimum payment shown on your statement by the date specified on your 
     transaction data, or collection of this account in accordance with the terms and  monthly statement. You can repay any outstanding balance prior to maturity 
     conditions issued by VISA International, Inc., and in accordance with the  in whole or in part at your option without penalty. Your monthly payment must 
     policies established by the Credit Union.   be made directly to the address shown on your statement. If available, you 
     Your obligation to pay the amount owed on your account continues until paid  may have your minimum payment automatically deducted from your checking 
     in full even though an agreement, divorce decree or other court judgment to  or savings account. Payments received after 9:00 PM (Eastern Time) each 
     which the Credit Union is not a party may direct someone else to pay the  day will be considered received on the next business day.  
     account balance.                       The minimum periodic payment required for VISA Smart Rate and VISA Smart 
     JOINT ACCOUNT: If more than one person applies for the card each is  Rewards will be either (a) 2.25% of your total new balance, minimum of $15 
     individually responsible for all amounts owed on the account and is jointly and  or (b) your total new balance if it is less than $15, plus (c) any portion of 
     severally responsible for all amounts owed. This means the Credit Union can  minimum payments shown on prior statements which remain unpaid and any 
     enforce the Agreement against any of you individually or all of you together.  other applicable charges. You will also be required to pay any amounts over 
     Each may obtain credit advances without the knowledge of the other and both  your credit limit or past due amounts.  
     are obligated to repay all advances made to the account. You agree to notify  VISA Smart Rate and VISA Smart Rewards payments will be applied first to 
     the Credit Union of any address change.   billed fees, then to any previously billed and unpaid Finance Charges on 
     USING THE CARD: You may use the card issued to you to make purchases  purchases and cash advances, then to the principal balance of purchases in 
     from anyone who accepts VISA Credit Cards. You may also obtain cash  the order they were posted to your account and then to the principal balance 
     advances from the Credit Union, from other financial institutions participating  of cash advances. If two or more purchases were posted on the same day, 
     in the VISA program and from automated teller machines (ATM's) that provide  your payment will be applied to the lowest amount first. However, in every 
     access to the VISA system. Your VISA Personal Identification Number (PIN)  case, in the event you make a payment in excess of the required minimum 
     is needed to obtain cash advance from an ATM. You agree not to use the card  periodic payment, the Credit Union will allocate the excess amount first to the 
     for any illegal transactions such as advances for gambling or wagering where  balance with the highest annual percentage rate and any remaining portion to 
     these practices are in violation of the law.   the other balances in descending order based on applicable annual 
                                            percentage rate. You understand that any payment that delays the repayment 
     VARIABLE RATE: Your account is subject to a Variable Rate which is based 
                                            of Your unpaid balance will increase Your Finance Charge and any payment 
     on the highest Prime Rate as published in the Money Rates Section of The 
                                            that accelerates the reduction of Your unpaid balance will decrease Your 
     Wall Street Journal (�Index�) in effect on the last day of each calendar quarter 
                                            Finance Charges.  
     plus our Margin. The Index plus the Margin equals the Interest Rate. Changes 
     in the Index will cause changes in the Interest Rate on the first day of the next  CREDIT BALANCES: If there is a credit balance due you, you may request in 
     billing cycle following the change. Increases or decreases in the Interest Rate  writing a full refund of this credit balance at our address shown in this 
     will result in like increases or decreases in the Finance Charge and will affect  Agreement.  
     the amount of your regularly scheduled payments that you will be required to  SECURITY: You grant us a security interest under the Uniform Commercial 
     make.                                  Code and under any common law rights the Credit Union may have in any 
     There is no limit on the amount by which the annual percentage rate can  goods you purchase. If you give the Credit Union a specific pledge of shares 
     change during any change date other than the maximum and minimum Annual  by signing a separate pledge of shares, your pledged shares will secure your 
     Percentage Rates. The maximum ANNUAL PERCENTAGE RATE that can  account. You may not withdraw amounts that have been specifically pledged 
                                            to secure your account until the Credit Union agrees to release all or part of 
     apply is    18.00          %.   
                                            the pledged amount.  
     FINANCE CHARGES: The monthly periodic rate assessed on your account 
                                             Your Account is secured by all other shares you have in any 
     is based on an annual percentage rate corresponding to a daily periodic rate 
                                             individual or joint account with the Credit Union, except for shares in 
     and the type of account. A Finance Charge will be imposed on Credit 
                                             an Individual Retirement Account or in any other account that would 
     Purchases only if you elect not to pay the entire New Balance shown on your 
                                             lose special tax treatment under state or federal law if given as 
     monthly statement for the previous billing cycle within 25 days from the date  security. These other shares may be withdrawn unless you are in 
     of that statement. If you elect not to pay the entire new balance shown on your  default under this agreement. You authorize the Credit Union to apply 
     previous monthly statement within that 25 day period, a Finance Charge will  the balance in your individual or joint share accounts to pay any 
     be imposed on the unpaid average daily balance of such Credit Purchases  amounts due on your Account if you should default.  
     from the date of posting to your account during the current billing cycle, and 
     will continue to accrue until the date of the billing cycle preceding the date on  CROSS-COLLATERAL: If you have other loans with us, or take out other 
     which the entire New Balance is paid in full or until the date of payment if more  loans with us in the future, collateral securing those loans will also secure your 
     than 25 days from the closing date. Cash Advances are always subject to  obligations under this Agreement. However, unless you expressly agree 
     a Finance Charge from the date they are posted to your account and are  otherwise, no dwelling secures your obligation.  
     not subject to the 25-day grace period.   DEFAULT: You will be in default: (1) if you fail to make any minimum payment 
     Balance Subject to Finance Charges: The balances subject to finance  or other required payment by the date that it is due, (2) if you break any 
     charge are the average daily transaction balances outstanding during the  promise you make under this Agreement, (3) if you die, file for bankruptcy or 
     month (new and previous). The Average Daily Balance is determined by  become insolvent, that is, unable to pay your obligations when they become 
     adding, after subtracting all payments, credits, and cash advances for the  due, (4) if any attachment or garnishment proceedings are initiated against 
     billing period in which they were made, all the outstanding advance balances  you or your property, (5) if you default on any other indebtedness to the Credit 
     and billed but unpaid finance charges for each calendar day of the billing  Union, (6) if you make any false or misleading statement in any credit 
     period and then dividing the total by the number of days in that billing period.  application or credit update, or (7) if something happens that the Credit Union 
     Purchases posted to your Account during the billing period are included only  believes may substantially reduce your ability to repay what you owe.  
     if the �New Balance� on your previously assessed bill was not paid in full by  When you are in default, the Credit Union has the right to demand immediate 
     the grace period.                      payment of your full account balance without notice. If immediate payment is 
     OTHER CHARGES: a) $10 for each replacement Card, b) $20 for each VISA  demanded, you will continue to pay Finance Charges, at the periodic rate 
     merchant draft that you request; and c) Up to $35 for each returned payment.  charged before default, until what you owe has been paid, and any shares that 
     The fees and charges will be handled by the Credit Union as an adjustment to  were given as security will be applied towards what you owe.   
     the account balance and will not be charged a Finance Charge.   If collections efforts are required by the Credit Union, you agree to pay all costs 
     LATE CHARGE: If your payment is received after the payment due date, you  and expenses incurred in the collection of any sum due, and in addition, if the 
     will be charged up to $35.             holder hereof, after default, shall place this note in the hands of an attorney or 
                                            collection agency, for collection, to pay reasonable attorney�s fees, interest 
     and fines due on this note at the time of the employment of such attorney or  or 1 (800) 374-2758, Monday thru Friday, 8:30am to 4:00 pm Eastern Time. 
     collection agency.                     After hours, call 1 (800) 682-6075. If overseas, call collect (206) 352-4950.  
     CREDIT INFORMATION: You understand that the Credit Union will review  MERCHANT DISPUTES: The Credit Union is not responsible for the refusal 
     your accounts periodically, and you hereby give your permission to, and  of any merchant or financial institution to honor the card. The Credit Union is 
     authorize the Credit Union to investigate and reassess your creditworthiness.  subject to claims and defenses (other than tort claim) arising out of goods or 
     You authorize the Credit Union to obtain information concerning your credit  services you purchase with the card if you have made a good faith attempt but 
     history from all available sources now and in the future. You authorize the  have been unable to obtain satisfaction from the merchant or service provider, 
     Credit Union to disclose information regarding your account to credit bureaus  and (a) your purchase was made in response to an advertisement the Credit 
     and creditors who inquire about your credit standing.   Union sent or participated in sending to you; or (b) your purchases cost more 
     LIABILITY FOR UNAUTHORIZED USE: You may be liable for the  than $50.00 and was made in your state or within 100 miles of your home.  
     unauthorized use of the card. You will not be liable for unauthorized use that  CHANGING OR TERMINATING YOUR ACCOUNT: You agree that the Credit 
     occurs after the issuer is notified, orally or in writing at the address shown in  Union may change the terms of this Agreement from time to time after giving 
     this Agreement. If your card is lost or stolen you must report it to us  you any advance notice required by law at your last known address. To the 
     immediately.                           extent the law permits, and indicated in the notice to you, the change will apply 
     LOSS OR THEFT OF CARD: If your Card, PIN or Account Number are lost  to your existing account balance as well as to future transactions. Your use of 
     or stolen, you should immediately call (202) 224-2967 (within DC Metro Area)  the card after receiving notice or a change will also indicate your agreement 
                                            to the change.  
      2010 ConmarSystems, Inc., Peachtree City, GA  30269 E-FORM 17041-6 Rev 12/12    Page 2 of 3  
     
     
     
     
                          CREDIT CARD AGREEMENT AND DISCLOSURE (continued)  
                                            other access devices issued to you. If illegal use of your Card occurs, you waive 
     You may request an increase in your credit limit either by written application or  the right to sue Us, and agree to indemnify and hold Us harmless from any 
     by phone. The Credit Union has the right to reduce or terminate your credit limit  suits or other legal action or liability which may be asserted, directly or 
     at any time. You understand and acknowledge that such action shall not affect  indirectly, against Us arising out of, or resulting from, the illegal use of the Card.  
     your obligation to pay any outstanding balance PLUS any finance and other  GOVERNING LAW: Except to the extent that Federal Law is applicable, the 
     charges you owe under this Agreement. Accounts that have been inactive for  laws of the Commonwealth of Virginia shall govern the validity, construction 
     one (1) year may be subject to termination at the renewal date. The card(s)  and enforcement of this Agreement and all matters arising out of the issuance 
     you receive remain the property of the Credit Union and you must recover and  and use of the Card.  
     surrender to the Credit Union ALL cards upon request or upon termination of 
                                              
     this Agreement whether by you or the Credit Union.  
                                                    Your Billing Rights: Keep This Document For 
     FOREIGN TRANSACTIONS: When you use your Card at a merchant that 
                                                  Future Use This notice tells you about your rights 
     settles in currency other than US dollars, the charge will be converted into the 
                                                    and our responsibilities under the Fair Credit 
     US dollar amount. The currency conversion rate used to determine the 
                                                             Billing Act.  
     transaction amount in US dollars is either 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,  What To Do If You Find A Mistake On Your Statement  
     or the government-mandated rate in effect for the applicable central processing  If you think there is an error on your statement, write to us at:  
     date, plus 1 percent of the transaction amount, which may be billed separately    
     on your account or included in the transaction amount. This 1% adjustment is  United States Senate Federal Credit Union   
     made for all international transactions regardless of whether there is a currency 
                                            National Capitol Station   
     conversion associated with the transaction. The conversion rate in effect on 
                                            P.O. Box 77920  
     the processing date may differ from the rate in effect on the transaction date or 
     posting date.                          Washington, DC 20013-8920  
     EFFECT OF AGREEMENT/WAIVER: This Agreement is the contract which    
     applies to all transactions on your account even though the sales, cash  In your letter, give us the following information:  
     advances, credit or other slips you sign or receive may contain different terms.  �  Account information: Your name and account number.  
     The Credit Union can delay enforcing any of its rights any number of times  �  Dollar amount: The dollar amount of the suspected error.  
     without losing them. Each provision of this agreement must be considered as 
                                              �  Description of problem: If you think there is an error on your bill, describe 
     part of the total agreement and cannot in any way be severed from it. However,  what you believe is wrong and why you believe it is a mistake.  
     you also agree that should any part of this agreement be found invalid, it will in 
     no way affect the remainder of the agreement.     
     STATEMENT AND NOTICES: You will receive a statement each month    
     showing transactions on your account. You are responsible for your minimum  You must contact us:  
     monthly payment even in the event your statement is late or returned to the  �  Within 60 days after the error appeared on your statement.  
     Credit Union. Statements and notices will be mailed to you at the most recent  �  At least 3 business days before an automated payment is scheduled, if 
     address you have given the Credit Union. Notice to any one of you will be  you want to stop payment on the amount you think is wrong.  
     considered notice to all.  
                                            You must notify us of any potential errors in writing [or electronically]. You may 
     PERSONAL IDENTIFICATION NUMBER (PIN): We will furnish you with a  call us, but if you do we are not required to investigate any potential errors and 
     Personal Identification Number (PIN). You agree to keep the PIN secret. You  you may have to pay the amount in question.  
     also agree you won't write the PIN on the Card or anything you keep with the 
                                              
     card. Your use of the PIN and Card in getting a cash advance or making a 
     purchase is agreed to constitute your signature for purposes of such  What Will Happen After We Receive Your 
     transaction.                           Letter When we receive your letter, we must 
     USE OF CARD. You may use your Card to conduct any transaction or obtain  do two things:  
     any Credit Union service permitted by law. You agree that the use of the Card  1. Within 30 days of receiving your letter, we must tell you that we received 
     to obtain a service or effect a transaction that is illegal under the law of any  your letter. We will also tell you if we have already corrected the error.  
     jurisdiction where originated, affected or accomplished will be a default and  2. Within 90 days of receiving your letter, we must either correct the error or 
     breach of this agreement. We may terminate the access to the service or  explain why we believe the bill was correct.  
     withdraw the right to use the Card and/or demand the return of all Cards or  While we investigate whether or not there has been an error:  
      � We cannot try to collect the amount in question, or report you as  If you are dissatisfied with the goods or services that you have purchased with 
       delinquent on that amount.           your credit card, and you have tried in good faith to correct the problem with 
      � The charge in question may remain on your statement, and we may  the merchant, you may have the right not to pay the remaining amount due on 
       continue to charge you interest on that amount.   the purchase. To use this right, all of the following must be true:  
      �  While you do not have to pay the amount in question, you are responsible  1. The purchase must have been made in your home state or within 100 miles 
       for the remainder of your balance.    of your current mailing address, and the purchase price must have been 
      �  We can apply any unpaid amount against your credit limit.   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 
     After we finish our investigation, one of two things will happen:  
                                             sold you the goods or services.)  
      �  If we made a mistake: You will not have to pay the amount in question or 
                                            2. You must have used your credit card for the purchase. Purchases made with 
       any interest or other fees related to that amount.  
                                             cash advances from an ATM or with a check that accesses your credit card 
      �  If we do not believe there was a mistake: You will have to pay the amount 
                                             account do not qualify.  
       in question, along with applicable interest and fees. We will send you a 
                                            3. You must not yet have fully paid for the purchase.  
       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  If all of the criteria above are met and you are still dissatisfied with the purchase, 
                                            contact us in writing at:  
       owe.  
     If you receive our explanation but still believe your bill is wrong, you must write  United States Senate Federal Credit Union   
     to us within 10 days telling us that you still refuse to pay. If you do so, we cannot  National Capitol Station   
     report you as delinquent without also reporting that you are questioning your  P.O. Box 77920  
     bill.                                  Washington, DC 20013-8920  
     We must tell you the name of anyone to whom we reported you as delinquent,  While we investigate, the same rules apply to the disputed amount as 
     and we must let those organizations know when the matter has been settled  discussed above. After we finish our investigation, we will tell you our 
     between us.                            decision. At that point, if we think you owe an amount and you do not pay, 
     If we do not follow all of the rules above, you do not have to pay the first $50 of  we may report you as delinquent.  
     the amount you question even if your bill is correct.     
     Your Rights if You Are Dissatisfied With Your Credit Card Purchases  
                                       SIGNATURES  
     By signing below you agree to be bound by the Terms and Conditions of this Agreement. You acknowledge receiving a copy and reading the 
     Credit Card Agreement and Disclosure. You understand that this Agreement grants the Credit Union a Security Interest in all individual and 
     joint accounts you have with the Credit Union, now and in the future with the exception of those accounts that would have an adverse tax 
     consequence if pledged as collateral.  
     X                                       X     
                                                                                    
     BORROWER SIGNATURE         DATE   CO-BORROWER SIGNATURE            DATE  
     X                                        X    
                                                                                    
     WITNESS                    DATE         WITNESS                    DATE  
      2010 ConmarSystems, Inc., Peachtree City, GA  30269 E-FORM 17041-6 Rev 12/12    Page 3 of 3