TruMark Financial Credit Union  
1000 Northbrook Drive  
Trevose, PA 19053  

Platinum Visa Credit Cardholder 
Agreement and Disclosure Statement 

___________________________________________________________________________ 

This is your Platinum VISA Cardholder Agreement and Disclosure Statement. Please read it and keep it 
for your records. You do not have to sign it. It automatically becomes effective once the card is used, or if 
you do not close the account within thirty (30) days after the date of the letter to you indicating that you 
were approved for the Card. It sets out the terms for your use of a TruMark Financial Credit Union 
Platinum Visa Credit Card. 

1.  DEFINITION OF TERMS. 

In this Agreement the words “Applicant” and “Co-Applicant” mean the person(s) who signed the 
application or whose information was provided on the application for the Card; the words “you,” 
“your” and “yours” mean the Applicant and Co-Applicant, if any, and any other person an Applicant 
permits to use a Card issued under the Agreement; the words “we,” “us” and “ours” refer to TruMark 
Financial Credit Union (TruMark Financial), its successors and assigns. The word “Card” means the 
VISA Card or Cards we issue under this Agreement and Disclosure Statement. The word “Account,” 
unless the context clearly indicates otherwise, means the VISA Credit Card revolving line of credit 
account established by this Agreement and Disclosure Statement. 

2.  ACTIVATING CARD, SIGNING CARD, AUTHORIZED USERS, ACCESS. 

a) 

In order to use the Card you must first activate the Card by calling the telephone number 
accompanying the Card. You must sign your name on the signature panel on the Card. You 
should sign the Card as soon as it is received to protect you and us from any unauthorized use. 
Each person who uses a Card with an Applicant’s permission is also bound by this Agreement 
and Disclosure Statement. You should ensure that any other person that you authorize to use the 
Account or a Card has read and understood this Agreement and Disclosure Statement because 
you are liable for their use of any Card and any charges they incur on the Account.  Once you 
(including any permitted user) use the Card, this Agreement and Disclosure Statement will 
automatically become effective. It will also become effective if you do not close your Account 
within thirty (30) days from the date of your approval.  By using or authorizing the use of the 
Account, any Card, or any preprinted loan drafts that we provide to you, or by signing the back of 
the Card or any preprinted loan drafts that we provide to you, you agree to the terms of this 
Agreement and Disclosure Statement.  You also authorize us to obtain credit bureau reports in 
connection with extensions of credit or the review or collection of your Account.  If you ask we 
will tell you the name and address of each credit bureau from which we obtained a report about 
you. 

b)  You acknowledge and agree that by signing up for Internet Teller and/or Touch Tone Teller that 
any person whom you have authorized or will authorize to have rights in and to your Account, 
such as a joint-owner, and/or any person to whom you have allowed access to your password is 
deemed to be an authorized user (each person sometimes being hereinafter referred to as an 
“Authorized User”) with respect to Internet Teller and/or Touch Tone Teller.  An Authorized 
User shall include joint members/owners presently on your membership account and joint 
member/owners added in the future.  Any such Authorized User shall have the full right and 
ability to access your Account, including the ability to request a cash advance or other borrowing 

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transaction through Internet Teller and/or Touch Tone Teller, regardless of whether any such 
Authorized User is a co-borrower or otherwise appears on the Account or applicable loan 
application.  Transactions by any such Authorized User will be considered authorized 
transactions for which you and any co-borrower on will be jointly liable. For full definition of 
Internet Teller, see our Internet Teller Agreement/Disclosure at www.trumarkonline.org 

3.  PURCHASES AND CASH ADVANCES. 

a)  You can use the Card to purchase goods and services wherever the VISA Card is honored. You 

may also make up to four ATM Withdrawals (instant cash loans) totaling not more than $505 per 
day at any financial institution or VISA automated teller machine. 

b)  You may also use the Card to obtain Cash Advances, and you may obtain Cash Advances with 
loan drafts if we make them available, all subject to the terms of this Agreement and Disclosure 
Statement. As used in this Agreement and Disclosure Statement, “Cash Advances” includes loan 
checks drawn on your Account, any overdrafts for your checking or share draft account with us, 
other advances to you by any financial institution including us and balance transfers. FINANCE 
CHARGES will accrue on each Cash Advance from the date it is posted to your account. 

c)  You authorize us to make Cash Advances in order to pay insufficient funds and overdraft fees to 
your share draft/checking account. Advances to pay insufficient funds and overdraft fees will be 
treated as Cash Advances. 

d)  You may not make a purchase or Cash Advance that will increase your Account balance, 

including any accrued FINANCE CHARGE or other fees, above the amount of your approved 
line of credit.  

e)  We are not responsible in any way for refusals by merchants or financial institutions to honor the 
Card for purchases or for Cash Advances, except as provided by applicable law and regulations. 
Cash refunds will not be made to you by merchants honoring the Card. Instead, the merchant will 
issue you a credit, which will appear on your monthly statement. A description of that monthly 
statement appears below. 
If you incur a charge in a foreign currency, the charge will be converted by VISA International 
into a U.S. dollar amount. VISA International will use the procedures set forth in its Operating 
Regulations in effect at the time that the transaction is processed. Currently, those Regulations 
provide that the currency conversion rate to be used is either  

f) 

1.  a wholesale market rate or  
2.  a government-mandated rate in effect one day prior to the processing date, increased by 

an international reimbursement rate of one percent (1%) in each case. 

The currency conversion rate in effect on the processing date may differ from the rate in effect on the 
transaction date or the posting date. 

4.  LOAN DRAFTS 

a)  If we approve, you may obtain advances under your account by writing preprinted loan drafts that 
we supply to you. We do not require that loan drafts be in minimum amounts. Your use of a loan 
draft will be treated as a Cash Advance, with FINANCE CHARGES accruing from the date the 
draft is posted to your account, and will be shown as a Cash Advance on your monthly statement. 
We may refuse to pay your loan draft for any of the following reasons:  

if it is postdated,  
if payment of the draft will exceed your credit limit,  
if it is signed by a person without authorized access,  
if your credit privileges under the Account have been terminated or suspended for any 
reason, or  
if any drafts have been reported lost or stolen. 

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b)  Our liability for a wrongful dishonor is limited to your actual losses; however, a dishonor for the 

reasons stated above is not a wrongful dishonor. 

a.  We will charge you the following fees related to loan drafts: Up to $15 for each stop 

payment request; $20 for a stop payment request on a series of checks; and $29 for each 
loan check, negotiable order of withdrawal, or draft that we must return to the presenter 
for any reason; for example, because it would draw on your Account over your Credit 
Limit or if your Account has been closed.  

c)  You may stop payment on a loan draft by calling us or writing us at the telephone number or 

address shown in the paragraph below titled, “How to Contact Us.” You must provide us with the 
check number, dollar amount, and payee exactly as they appear on the loan draft. If you give us 
incorrect information, we will not be responsible for failing to stop payment. We also will not be 
responsible to honor the stop order unless you give it to us in the manner described in this 
Agreement and Disclosure Statement and at such time as to afford us a reasonable opportunity to 
act on it before we have paid the loan draft. If you contact us by telephone, your stop payment 
order will only be good for 14 calendar days unless before the end of that period you give us the 
stop payment order in writing. A written stop payment request expires six (6) months after the 
date we accept your stop payment order unless you renew it in writing within two weeks prior to 
the end of that period. 

d)  If you post-date a loan draft, we may honor the loan draft immediately upon presentment or 

return it unpaid, at our election, without in either case waiting until the date shown on the loan 
draft. We are not liable to you for any loss or expense incurred by you arising out of the action we 
elect to take. 

5.  GRACE PERIOD 

The grace period on purchases is 28 days meaning that no FINANCE CHARGE will be imposed on 
new purchases if they are paid in full within 28 days after the close of the monthly billing period. 
There is no grace period for Cash Advances. Finance charges begin to accrue on a Cash Advance on 
the date it is posted to your Account, and must be paid even if you pay the entire balance on the 
Account in full by the Payment Due Date. 

6.  REPAYMENT 

a)  You must pay us in United States dollars all amounts charged and borrowed by the use of the 
card together with FINANCE CHARGES and any other charges and fees provided for in 
this Agreement and Disclosure Statement. 

b)  Payments may be made in cash, in person at TruMark Financial’s offices or branches, 

electronic funds transfers or by check or other negotiable instrument payable to TruMark 
Financial if payable at a domestic financial institution or a domestic office of a foreign 
financial institution. Payment made through the mail in the form of cash or third party checks 
or other negotiable instruments may not be accepted. 

c)  You may not use a loan draft or any other Cash Advance to make a payment under this 
Agreement and Disclosure Statement or any other credit account you may have with us. 
d)  In accordance with applicable law, we will apply your payment to your indebtedness to us at 
the time the payment is made. Any payment you make in excess of any required Minimum 
Payment will not affect your obligation to make future Required Minimum Payments 
calculated in accordance with this Agreement and Disclosure Statement, so long as any 
balance is outstanding. 

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e)  Payments received by 5:00pm on any business day will be credited on that day.  If a payment 
is received after 5:00pm or on a non-business day the payment will be credited on the next 
business day. 

f)  We may accept late payments, partial payments, or checks, money orders, other negotiable 

instruments or payments marked “Payment in full” without losing any of our rights under this 
Agreement and Disclosure Statement. 

7.  REQUIRED MINIMUM PAYMENT 

You may pay your Account Balance in full at any time without penalty. If you do not wish to pay the 
total new balance outstanding for both Cash Advances and purchases, you must pay at least the 
Required Minimum Payment by the Payment Due Date to avoid being in default. 
The Required Minimum Payment is based on the total of your outstanding VISA Account balance, 
finance and other applicable charges, and any additional amount past due at the end of each billing 
period. The Required Minimum Payment is the total of: 

  2.25% of your New Balance (as defined below), but not less than a minimum amount of 

$25.  

  PLUS, any amount you owe in excess of your credit limit 

To determine your new balance (“New Balance”), we take the outstanding balance on your Account 
at the beginning of the billing period, add any new purchases and Cash Advances, subtract any new 
payments and credits received, make any required adjustments (for example, corrections of prior 
miscalculations), and add applicable FINANCE CHARGES and fees. 

8.  MONTHLY STATEMENT 

We will send you a statement at the end of each monthly billing period. That statement will set out the 
following information: 

a)  The Account balance at the end of the last prior billing period. 
b)  Any payments received by us during the billing period. 
c)  Any other debits or credits to your account made by or received by us during the billing 

period. 

d)  All of your purchases and Cash Advances received by us during the billing period. 
e)  FINANCE CHARGES and fees, if any. 
f)  Any adjustments. 
g)  The new Account balance. 
h)  The Required Minimum Payment required under this Agreement. 
i)  The date that your payment is due. 
j)  The periodic rate for the billing period. 
k)  The ANNUAL PERCENTAGE RATE. 
l)  Toll-free telephone number, internet address and website to obtain payoff information. 
m)  Examples of length of time to payoff balance when making a minimum payment only. 
n)  Current and year-to-date fee totals. 

9. PERIODIC RATES AND CALCULATION OF FINANCE CHARGES 

(a) Cash Advances (including Balance Transfers).  

Introductory Rate  
For an introductory period of six (6) months after we mail you your credit card (the “Cash Advance 
Introductory Period”), the ANNUAL PERCENTAGE RATE for Cash Advances (including balance 
transfers) will be a lower rate than the permanent ANNUAL PERCENTAGE RATE. After the 

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introductory period, the permanent ANNUAL PERCENTAGE RATE will apply to all Cash 
Advances (including balance transfers), including those posted during the 6 month introductory 
period. A description of the Cash Advance Introductory Period and a disclosure of the introductory 
ANNUAL PERCENTAGE RATE and the permanent ANNUAL PERCENTAGE RATE for Cash 
Advances are contained in the Application and Solicitation Disclosure Table that accompanies this 
Agreement and Disclosure Statement (the “Disclosure Table”). The Disclosure Table is made part of 
this Agreement and Disclosure Statement, and you should keep a copy with this Agreement and 
Disclosure Statement. 

Permanent Rates 
After the Cash Advance Introductory Period, the ANNUAL PERCENTAGE RATE applicable to 
Cash Advances (including balance transfers) will become a variable rate that will be adjusted monthly 
and will be the sum of an “Index” plus a “Margin.” The “Index” will be an annual rate equal to the 
highest “prime rate” published in the money rates section of the Wall Street Journal (Eastern Print 
Edition) on the first day of each calendar month of each year (or if the Wall Street Journal does not 
publish the “prime rate” on the first day of a calendar month, the highest rate most recently published 
as the “prime rate” in the Wall Street Journal (Eastern Print Edition) before that date). If the Index 
increases at the beginning of any month, your ANNUAL PERCENTAGE RATE and monthly 
periodic rate will increase for the monthly billing period that begins on or after that date. The 
ANNUAL PERCENTAGE RATE may not increase above 18.00% (a monthly periodic rate of 
1.50%). If the ANNUAL PERCENTAGE RATE increases, your monthly payments and Minimum 
Payment will increase and it will take you longer to pay what you owe in full. The Margin will be 
4.99% to 11.99% per year, depending on our review of your application and credit history.   

Calculating FINANCE CHARGE on Cash Advances  
A FINANCE CHARGE is imposed on a Cash Advance from the date the Cash Advance is made 
until the date it is fully paid. We calculate the FINANCE CHARGE on Cash Advances by applying 
a monthly periodic rate corresponding to the applicable ANNUAL PERCENTAGE RATE to the 
applicable portion of the “Cash Advance Average Daily Balance.” To get the “Cash Advance 
Average Daily Balance,” we take the beginning unpaid balance of Cash Advances each day 
(excluding the billing date of the previous cycle and including the billing date of the current cycle), 
add any new Cash Advances and subtract any payments or credits. When we subtract any payments or 
credits, we apply them first against unpaid FINANCE CHARGES then to your outstanding balances 
of Cash Advances. After paying unpaid FINANCE CHARGES and principal, we apply any 
remaining payments and credits to all charges and fees. This gives us the daily Cash Advance balance. 
Then we add up all of these daily Cash Advance balances for the monthly billing period and divide 
the total by the number of days in the monthly billing period. This gives us the “Cash Advance 
Average Daily Balance.”  The monthly periodic rate for Cash Advances is determined by dividing the 
ANNUAL PERCENTAGE RATE (APR) by 12. 

(b) Purchase 

Introductory Rate 
 For an introductory period of six (6) months after we mail you your credit card (the “Purchases 
Introductory Period”), the ANNUAL PERCENTAGE RATE for Purchases will be a lower rate than 
the permanent ANNUAL PERCENTAGE RATE. After the introductory period, the permanent 
ANNUAL PERCENTAGE RATE will apply to all Purchases, including those posted during the 6 
month introductory period. A description of the Purchases Introductory Period and a disclosure of the 
introductory ANNUAL PERCENTAGE RATE and the permanent ANNUAL PERCENTAGE 
RATE for Purchases are contained in the Disclosure Table. 

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Permanent Rates 
After the Purchases Introductory Period, the ANNUAL  PERCENTAGE RATE applicable to 
purchases will become a variable rate that will be adjusted monthly and will be the sum of an “Index” 
plus a “Margin.” The “Index” will be an annual rate equal to the highest “prime rate” published in the 
money rates section of the Wall Street Journal (Eastern Print Edition) on the first day of each calendar 
month of each year (or if the Wall Street Journal does not publish the “prime rate” on the first day of a 
calendar month, the highest rate most recently published as the “prime rate” in the Wall Street Journal 
(Eastern Print Edition) before that date). If the Index increases at the beginning of any month, your 
ANNUAL PERCENTAGE RATE and monthly periodic rate will increase for the monthly billing 
period that begins on or after that date. The ANNUAL PERCENTAGE RATE may not increase 
above 18.00% (a monthly periodic rate of 1.50%). If the ANNUAL PERCENTAGE RATE 
increases, your monthly payments and Minimum Payment will increase and it will take you longer to 
pay what you owe in full. The Margin will be 4.99% to 11.99% per year, depending on our 
review of your application and credit history.  Calculating FINANCE CHARGE on Purchases. 
No FINANCE CHARGE will be charged on new purchases if you pay your entire “New Balance” 
shown on your monthly statement by the payment due date shown on the statement (28 days after the 
close of the monthly billing period covered by your monthly statement showing the new purchases). If 
you do not pay your entire “New Balance” by the payment due date, a FINANCE CHARGE will be 
imposed on each new purchase from the date of the purchase. FINANCE CHARGES will continue 
to accrue on purchases until we receive payment of the total balance of purchases. We figure the 
FINANCE CHARGE on purchases by applying a monthly periodic rate corresponding to the 
applicable ANNUAL PERCENTAGE RATE to the “Purchase Average Daily Balance.” To get the 
“Purchase Average Daily Balance,” we take the beginning balance of purchases each day (excluding 
the billing date of the previous cycle and including the billing date of the current cycle), add any new 
purchases, and subtract any payments or credits.  When we subtract any payments or credits, we apply 
them first against unpaid FINANCE CHARGES then to your outstanding balances of Purchases. 
After paying unpaid FINANCE CHARGES and principal, we apply any remaining payments and 
credits to all charges and fees.  This gives us the daily balance of purchases. Then we add up all the 
daily balances of purchases for the monthly billing period and divide the total by the number of days 
in the monthly billing period. This gives us the “Purchase Average Daily Balance.”  The monthly 
periodic rate for Purchases is determined by dividing the ANNUAL PERCENTAGE RATE (APR) 
by 12. 

Once we have calculated the FINANCE CHARGES on Cash Advances as described above, and the 
FINANCE CHARGES on Purchases as described above, we total those results to get your total 
FINANCE CHARGES for a monthly billing period. 
The ANNUAL PERCENTAGE RATE will not at any time exceed 18.00% per year, or, if lower, the 
highest allowable rate for this type of agreement as determined by applicable Federal or State Law. 

(c) You may obtain our current periodic rates by calling TruMark Financial at (215) 953-5353 or by  
visiting TruMark Financial’s website at https://www.trumarkonline.org. 

10. JOINT ACCOUNT 

If a VISA card is issued for a joint account, each of you will be jointly and severally liable under the 
terms of this Agreement and Disclosure Statement. 

11. SECURED VISA 

If the terms of the Account application require collateral, you will be required to pledge from a share 
account with TruMark Financial Credit Union 100% of the approved credit limit, as more fully 

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described in the Assignment of Deposit Agreement that you will be required to execute in order to be 
approved for an Account.   

12. RULES AFFECTING YOUNG CONSUMERS 

We will not open a credit card account for any member less than 21 years old unless the member has 
submitted an application with the following: 

a)  Financial information indication he/she has an independent ability to make the required 

minimum periodic payments on the extension of credit in connection with the account, OR 
b)  A signed agreement of a cosigner, guarantor, or joint applicant who is at least 21 years old to 
be either secondary liable for any debt on the account incurred by the member before the 
member has attained the age of 21 or jointly liable with the member for any debt on the 
account, AND 

c)  Financial information indicating such cosigner, guarantor, or joint applicant has the ability to 
make the required minimum periodic payments on such debts, consistent with the agreement 
and disclosure statement of the account. 

  After a credit card account has been opened to any member less than 21 years old in accordance with 
the above, no increase in the credit limit will be made on such account before the member attains the 
age of 21 unless the cosigner, guarantor or the joint account holder (who has assumed liability) at the 
account opening, agrees in writing, to assume liability on the increase to the credit limit. 

13. CREDIT LIMIT 

We will set the credit limit on your Account and may change it from time to time. If we change your 
credit limit, we will notify you 45 days prior to any change. We may notify you of credit limit 
changes on your monthly statement. The total amount outstanding on your Account must always 
remain below the credit limit. If your unpaid balance ever exceeds your credit limit, you agree to pay 
the excess on demand. Your initial credit limit is stated on the letter to you indicating that you were 
approved for the Card. 

14. AUTHORIZATIONS 

You agree that any purchase or Cash Advance may be subject to prior authorization by us or by a 
VISA authorization center. Prior authorization may involve limitations on frequency or use of the 
VISA Card or dollar limitations on purchases or Cash Advances that are established for your 
protection. 

15. LOST OR STOLEN CARD; LIABILITY FOR UNAUTHORIZED USE 

Contact us at once if you believe your VISA Card has been lost or stolen or you think someone has or 
may use it without your permission. Do not use the Card once you have notified us, even if you locate 
it. You may be liable for the unauthorized use of your Card. You will not be liable for unauthorized 
use that occurs after you notify TruMark Financial Credit Union at 1000 Northbrook Drive, Trevose 
PA 19053-8496, (215) 953-5353, or 1-877-TRUMARK, during normal business hours, weekdays, 
8:00 a.m. to 8:00 p.m., Saturdays, 9:00 a.m. to 1:00 p.m., or Sundays 11:00 a.m. to 3:00 p.m. 
excluding holidays, or (888) 822-2419 anytime outside normal business hours, orally or in writing, of 
the loss, theft, or possible unauthorized use. In any case, your liability will not exceed $50. 

16. OTHER FEES AND CHARGES 

A $25 late payment fee will be charged for payments on your Visa credit card received more than 5 
days after the due date. We may charge you a $5 fee for copies of any statements or other documents 

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you request.  A Foreign Transaction Fee of 1% of the amount of your transaction in U.S. Dollars will 
be charged. A replacement credit card fee of $5 will be charged to replace a credit card. A 
replacement credit card fee of $7 will be charged to replace a customized card with the same image.  
A replacement credit card fee of $9.95 will be charged to replace a customized card with a new 
image. There is an express delivery fee of $25 for expedited delivery of a replaced card.  If research 
of any kind is completed on your account, there will be a charge of $45 per hour. TruMark Financial 
may from time to time, upon such written notice to you as its Board of Directors or applicable law 
may provide, impose any other charge or fee.  For full explanation of these fees and charges, see our 
Service Fee Disclosure at www.trumarkonline.org. 

17.  DEFAULT 

You will be in default if you fail to make a Required Minimum Payment on time, exceed your credit 
limit, break one of your promises under this Agreement, have made a material misrepresentation to us 
in connection with this Account, you breach any other agreement that you may have with us, or are 
delinquent on any other obligation to us. You will also be in default if you die or become the subject 
of an insolvency, bankruptcy or incompetency proceeding. If you are in default, we can close your 
Account and require immediate payment of your entire Account balance. 

If you have granted us a security interest in any individual and joint share and/or deposit accounts you 
have with us, now and in the future, to secure what you owe under this Agreement and Disclosure 
Statement, as provided in a separate Assignment of Deposit Account, we may exercise certain rights 
after you default as described hereafter.  When you are in default of any of your obligations under this 
Agreement and Disclosure Statement as it is amended or modified, you authorize us to apply the 
balance in these accounts to any amounts due under the Account.  Shares and deposits in an 
Individual Retirement Account, and any other account that would lose special tax treatment under 
state or federal law if given as security, are not subject to the security interest you have given in your 
shares and deposits. 

You will be responsible for paying all overdraft advances obtained by you or a joint holder of the 
share draft account. 

In addition to the loan covered by this Agreement and Disclosure statement, this Agreement and 
Disclosure Statement secures all amounts I owe to Lender, whether owed now or later.  This means 
that every loan I have now or obtain later with Lender is secured by this Agreement and Disclosure 
Statement.  This Agreement and Disclosure Statement also secures all other amounts and obligations 
that I may owe to Lender (such as an Overdraft on a checking account).   

18. COLLECTION COSTS AND ATTORNEY FEES 

If after a default we refer this Account to a collection agency or an attorney, you will have to pay 
reasonable collection or attorney fees plus any actual court or other costs paid to collect the amount 
you owe us. 

19. DELAY IN ENFORCEMENT 

We can delay enforcement of any of our rights under this Agreement and Disclosure Statement 
without losing them. 

20. CLOSING YOUR ACCOUNT OR SUSPENDING ADVANCES 

You may close your Account at any time by notifying us in writing, returning the Card cut in half and 
paying the full Account balance in accordance with the terms of this Agreement and Disclosure 

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Statement. We may suspend your Card, loan draft or any other credit privileges under the Account at 
any time without prior notice, for any reason. If we close your Account, we will mail or deliver a 45 
day advance notice. If we close your Account or suspend your credit privileges, except to the extent 
required by law we will not be liable to you or anyone else for any outstanding Card charges or loan 
drafts we refuse to pay. Even if we close your Account, you must still pay the Account balance and 
any additional FINANCE CHARGES. If we ask, you must return all Cards and all unused loan 
drafts issued under this Agreement and Disclosure Statement, cut in half. We may issue a different 
Card or different loan draft forms at any time without notice, and if we do so you agree to use only the 
new forms. 

21. CHANGING TERMS OF AGREEMENT 

We can change the terms of this Agreement and Disclosure Statement at any time. If we do so 
we will mail or deliver to you a copy of these changes. We may give you written notice of changes 
in terms by printing it on your monthly statement or including it with your monthly statement, or by 
sending you a separate notice. If by a separate agreement you authorize or have authorized notices by 
electronic mail or other electronic means, we may send you notice by those electronic means and such 
notices will be deemed “written notices” for purposes of this Agreement and Disclosure Statement. 
When the change(s) become effective they will apply to the total balance of your Account. If the 
changes involve the circumstances under which the FINANCE CHARGE or any other fees will be 
imposed, any increase in the FINANCE CHARGE or a change in the method of determining the 
FINANCE CHARGE or any other charge, your billing error rights, or an increase in your minimum 
monthly payment, we will give you written notice of the change at least forty-five (45) days before 
the monthly billing period in which the change becomes effective. Any such change which involves 
an increase in the FINANCE CHARGE or the imposition or increase of any other fee or charge will 
not apply to your Account unless you (including any authorized user) use the Card after the effective 
date of such change. If you do not wish to accept the change you may return all Card(s) to us cut in 
half and you can then continue to pay the balance in your Account under the terms of the Agreement 
and Disclosure Statement in effect before the change. 

22. PROHIBITED USES OF THE CARD AND ACCOUNT 

You must not use the Card or Account (1) for any unlawful purpose, including the purchase of goods 
or services prohibited by the laws of the United States or any other country where the Card is used or 
where goods or services are provided; (2) if the Card has been suspended or cancelled; (3) if the Card 
is found after having been reported as lost or stolen; or (4) if a petition for bankruptcy is filed or if 
you do not honestly expect to be able to make the minimum required repayment in full on receipt of 
your monthly statement. 

23. CHANGE OF ADDRESS 

If you move, you must give us your new address in writing. If you delay in notifying us of a new 
address, any notices and statements we send to your old address before we have had a reasonable time 
to process any address change you give us will still be valid, even if you do not receive them. 

24. UPDATING & DISCLOSING FINANCIAL INFORMATION 

You will provide facts to update information contained in your original Account application or other 
financial information related to you at our request. You also agree that we may, from time to time, as 
we deem necessary, make inquiries pertaining to your employment, credit standing and financial 
responsibility in accordance with applicable laws and regulations. You further agree that we may give 

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information about the status and payment history of your Account to consumer credit reporting 
agencies, and/or others who may properly receive such information. 

25. ARBITRATION OF DISPUTES AND CLAIMS  

EXCEPT AS SPECIFICALLY PROVIDED HEREIN, THIS ARBITRATION PROVISION     
SUBSTANTIALLY LIMITS OR AFFECTS YOUR RIGHTS.  PLEASE READ IT CAREFULLY.  
NEITHER PARTY WILL HAVE THE RIGHT TO HAVE A JURY DECIDE ANY CLAIM OR 
DISPUTE AND THE ABILITY OF EACH PARTY TO APPEAL IS LIMITED IN AN 
ARBITRATED MATTER.  MOREOVER, NEITHER PARTY OR ANYONE ACTING ON THEIR 
BEHALF CAN PURSUE A CLAIM OR DISPUTE IN A CLASS OR REPRESENTATIVE 
ACTION. 

Arbitration is a method of deciding disputes outside the court system.  The parties agree and 
understand that they choose arbitration instead of litigation to resolve all claims and disputes not 
specifically excluded.  This arbitration provision (the “Arbitration Provision”) governs when and 
how any disputes you and we may have will be decided.  All disputes, claims, or controversies 
arising from or relating in any way to the agreements, relationships, accounts, including any 
applications and prior relationships between you and us; the relationships which result or arise as a 
result of this Agreement and Disclosure Statement; any rights, privileges or services you receive 
from us now or in the future; any claims or disputes arising in any bankruptcy or other insolvency 
proceeding specifically involving the parties' rights under their agreements, valuation of any 
collateral, the validity or enforceability of any security interest (including any interest by way of 
cross-collateralization or a pledge of shares) or any ancillary proceedings that are not exclusively 
within the jurisdiction of the United States Bankruptcy Courts; or the validity of this clause 
(collectively, the “Applicable Agreements”), shall be resolved by binding arbitration by a single 
arbitrator chosen with the consent of both parties.  The arbitrator must be an attorney with more than 
ten (10) years experience or a retired judge.  If for any reason the parties do not consent to an 
arbitrator within thirty (30) days from the date that notice of a claim or intent to arbitrate is provided 
to the other party, then an arbitrator will be selected pursuant to the Rules of the American 
Arbitration Association (the "AAA").  This Arbitration Provision is made pursuant to a transaction in 
Interstate Commerce, and shall be governed by the Federal Arbitration Act (the "FAA") at 9 U.S.C. § 
1, et seq., as amended from time to time.  It is understood and agreed that this Agreement and 
Disclosure Statement, your Account, all transactions related to your Account, and any dispute 
defined herein shall involve Interstate Commerce.  If any dispute between us does not involve 
Interstate Commerce, such dispute shall be governed by the Arbitration Act for the State set forth in 
this Agreement and Disclosure Statement, as amended from time to time, in which case all references 
to the FAA herein shall be to said State Act.  If the State has no Arbitration Act, then the parties will 
be governed by the Rules of the American Arbitration Act in any matter not involving Interstate 
Commerce.  The parties agree and understand that the arbitrator shall have all power provided by the 
law and this Arbitration Provision to make and enter findings of fact and determination of judgment 
based on the Applicable Agreements and applicable law, including but not limited to the rights of 
possession, off-set, property rights, money damages, declaratory relief, and injunctive relief.  No 
arbitrator shall have the jurisdiction or authority to add to, take from, nullify or modify any of the 
terms of the Applicable Agreements.  The arbitrator shall be bound by the facts and evidence 
submitted to him or her.  Arbitration will be subject to the rules of procedure and evidence consistent 
with the Rules of the American Arbitration Act, and the Arbitrator will not apply federal or state 
rules.  The decision of the arbitrator shall be final and binding and may be enforced in accordance 
with the terms of either the Federal or applicable State Law, except for any specific appeal right 
regarding a judgment under the FAA or a judgment in excess of $100,000.  For these judgments, any 
party may appeal to a three-arbitrator panel appointed by and under the rules of the AAA.  The 
decision of the panel will be by majority vote and will be final and binding except for any specific 

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appeal right under the FAA.  All of the terms of this Arbitration Provision will apply to such three-
arbitrator panel.  Judgment upon the award rendered may be entered in any court having jurisdiction. 

THE PARTIES AGREE AND UNDERSTAND THAT ALL DISPUTES (INCLUDING ALL 
LEGAL AND EQUITABLE RIGHTS AND REMEDIES) ARISING UNDER CASE LAW, 
STATUTORY LAW, AND ALL OTHER LAWS INCLUDING, BUT NOT LIMITED TO, ALL 
CONTRACT, TORT, REGULATORY, AND PROPERTY DISPUTES WILL BE SUBJECT TO 
BINDING ARBITRATION IN ACCORD WITH THIS ARBITRATION PROVISION. 

Notwithstanding anything herein to the contrary, TruMark Financial Credit Union retains an option 
to use judicial or non-judicial relief to enforce a security agreement relating to any collateral pledged 
to secure the Applicable Agreements between the parties, to enforce all monetary obligations by you 
to TruMark Financial Credit Union so long as there is no dispute, or to foreclose on any collateral 
securing your obligations to us by way of replevin, claim and delivery, or otherwise.  The initiation 
and maintenance of an action for judicial relief in a court on the foregoing terms shall not constitute a 
waiver of the right of any party to compel arbitration regarding any other dispute or remedy subject 
to arbitration in this Arbitration Provision, including the filing of a counterclaim in a suit brought by 
TruMark Financial Credit Union pursuant to this provision.  

Any arbitration proceeding will take place in the federal judicial circuit where you live.  If you 
cannot afford to pay the fees charged by the Arbitrator or any panel for an appeal as provided herein, 
we will consider in our sole discretion any reasonable written request by you for us to pay the fees.  
We will pay any fees or costs specifically required by applicable law.  However, each party must 
bear the expense of that party's attorneys, experts, and witnesses, regardless of who wins the 
arbitration, except to the extent that applicable law specifically requires otherwise.  The rules of the 
AAA will be applied to any arbitration between the parties, except in the event of any inconsistency 
between this Arbitration Provision and the rules of the AAA, in which case this Arbitration Provision 
shall govern.  Any costs we pay in order for you to bring a proceeding hereunder are subject to being 
awarded to us upon a ruling or award by the arbitrator that is favorable to TruMark Financial Credit 
Union.  The AAA and other legal assistance services may be able to refer you to legal assistance 
from government or non-profit organizations that provide assistance to those who can show a 
financial need for such assistance. 

26. SEVERABILITY 

If any provision of this Agreement and Disclosure Statement is held invalid or unenforceable by any 
court of competent jurisdiction, the other provisions hereof shall remain in full force and effect.  Any 
provision of this Agreement or Disclosure Statement held invalid or unenforceable only in part or 
degree will remain in full force and effect to the extent not held invalid or unenforceable. 

27. WHAT LAW APPLIES 

This Agreement and Disclosure Statement is made in Pennsylvania and will be governed by 
Pennsylvania law except in those instances where Federal Law controls. 

28. HOW TO CONTACT US 

You may contact us at the following address and phone number:  

TruMark Financial Credit Union 
1000 Northbrook Drive 
Trevose, PA 19053-8496 
(215) 953-5353. 

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29.  YOUR BILLING RIGHTS 

YOUR BILLING RIGHTS. KEEP THIS NOTICE FOR FUTURE USE. 
This notice contains important information 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: 

TruMark Financial Credit Union 
1000 Northbrook Drive 
Trevose, PA  19053 

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 3 business days before an automated payment is scheduled, if you want to stop payment 

on the amount you think is wrong. 

You must notify us of any potential errors in writing.  You may call us, but if you do we are not required to 
investigate any potential errors and you may have to pay the amount in question. 

What Will Happen After We Received Your Letter 

When we received 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 questions, 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. 

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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 for 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 prices 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 at: 

TruMark Financial Credit Union 
1000 Northbrook Drive 
Trevose, PA  19053 

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. 

LOST OR STOLEN CARD 

If your TruMark Financial VISA Card has been lost or stolen or an unauthorized transfer from your 
account has occurred or may occur, please contact one of the following phone numbers: (215) 953-
5353 or 1-877-TRUMARK during normal business hours, weekdays, 8:00 a.m. to 8:00 p.m., 
Saturdays, 9:00 a.m. to 1:00 p.m., excluding holidays., or (888) 822-2419 outside normal business 
hours. 
You may also confirm such information about your lost or stolen VISA Card by writing to:  

TruMark Financial Credit Union 
1000 Northbrook Drive 
Trevose, PA 19053-8496 

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Interest Rates and Interest Charge 
Annual Percentage Rate* 
(APR) for Purchases 

Disclosure Table 

1.99% (introductory) until 6 months after we mail you your initial 
credit card.  After that your APR will be 8.24%, 9.24%, 
12.24% or 15.24% depending on our review of your 
application and credit worthiness. Additionally, after the introductory 
period, the APR will vary based on the Prime Rate. 
1.99% (introductory) until 6 months after we mail you your initial 
credit card.  After that your APR will be 8.24%, 9.24%, 
12.24% or 15.24% depending on our review of your 
application and credit worthiness. Additionally, after the introductory 
period, the APR will vary based on the Prime Rate. 
None 

Your due date is 28 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. 
None 
To learn more about the factors to consider when applying for our using 
a credit card, visit the website of the Consumer Financial Protection 
Bureau at http://www.consumerfinance.gov/learnmore 

None 

None 
None 
1% of the amount of your transaction is U.S. Dollars 

$25  Charged 5 days after the due date 
N/A 
$29 

$5     Customized Card: same image, $7.  New image, $9.95            
Express delivery of credit card: $25 
$5 

Up to $15 per request or $20 for a series of checks 
$45 per hour 

APR for Balance Transfers 
and Cash Advances 

Penalty APR and When it 
Applies 
Paying interest  

Minimum Interest Charge 
For Credit Card Tips from 
the Consumer Financial 
Protection Bureau 

Fees 
Annual Fee 
Transaction Fees 

  Balance Transfer 
  Cash Advance 
  Foreign Transaction 

Penalty Fees 

  Late Payment 
  Over-the-Credit Limit 
  Returned Payment 

Other Fees 

  Replacement Credit 

Card 

  Copies of Statements 
  Stop Payment 
  Research Fee 

How We Will Calculate your Balance: We us 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 and Disclosure Statement. 

*For more details on how the ANNUAL PERCENTAGE RATE, “Index” and “Margin” are determined and the impact 
of any increase, see the section of this Agreement titled, “Periodic Rates and Calculations of Finance Charges.” 

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This Guide to Benefit describes the benefit in effect as of 3/1/08. This benefit and description supersedes any 
prior benefit and description you may have received earlier.  Please read and retain for your records. Your 
eligibility is determined by the date your financial institution enrolled your account in the benefit. 

Your Visa Card Guide to Benefit 

Auto Rental Collision Damage Waiver 

For questions about your balance, call the customer service number on your Visa statement.  
______________________________________________________________________________________ 

What is this benefit? 
When certain terms and conditions are met, the Visa Auto Rental Collision Damage Waiver benefit 
(“Auto Rental CDW”) provides—at no additional charge—reimbursement for damage due to collision or 
theft up to the actual cash value of most rental vehicles. In your country of residence, this benefit is 
supplemental to, and excess of, any valid and collectible insurance from any other source. We will 
reimburse only for that damage or theft not payable by any other party. Here are answers to some 
commonly asked questions about the benefit. 

Who is eligible? 
You are eligible only if you are a valid cardholder whose name is embossed on an eligible U.S.-issued 
Visa card. Only you as the primary renter of the vehicle and any additional drivers permitted by the auto 
rental agreement are covered. 

What is covered? 
Subject to the terms and conditions in this Guide to Benefit, Visa Auto Rental CDW reimburses you for 
the deductible portion of your personal automobile insurance, valid administrative and loss-of use charges 
imposed by the rental car company, as well as reasonable towing charges resulting from covered damage 
or theft of the rental vehicle while it is your responsibility. If you do not have personal automobile 
insurance or any other insurance covering this loss, this benefit reimburses you for the covered damage or 
theft as well as valid administrative and loss-of-use charges imposed by the auto rental company and 
reasonable towing charges. Only vehicle rental periods that neither exceed nor are intended to exceed 
fifteen (15) consecutive days within your country of residence or thirty-one (31) consecutive days outside 
your country of residence are covered. 
The benefit provides reimbursement up to the actual cash value of the vehicle as it was originally 
manufactured. Most private passenger automobiles, minivans, and sport utility vehicles are eligible, but 
some restrictions may apply. Please contact the Benefit Administrator to inquire about a specific vehicle. 
Within your country of residence, this benefit supplements, and applies excess of, any valid and 
collectible insurance or reimbursement from any source. This means that, subject to the terms and 
conditions of this Guide to Benefit, Visa Auto Rental CDW applies to losses or expenses that are not 
covered by insurance or reimbursement. 

Covered losses are: 

  Physical damage and/or theft of the covered rental vehicle 
  Valid loss-of-use charges imposed and substantiated by the auto rental company through a fleet 

utilization log. 

  Reasonable and customary towing charges, due to a covered loss, to the nearest qualified repair 

facility. 

How do I activate this benefit? 
For the benefit to be in effect, you must: 

Initiate and complete the entire rental transaction with your eligible Visa card, and 

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  Decline the auto rental company’s collision damage waiver (CDW/LDW) option, or similar 

provision, if offered by the auto rental company. 

Helpful hints: 

  Check the rental vehicle for prior damage before leaving the rental lot. 
  Review the auto rental agreement carefully to make sure you are declining CDW/LDW and also 

to familiarize yourself with the terms and conditions of the auto rental agreement. 

What do I do if I have an accident or the rental vehicle is stolen? 
Immediately call the Benefit Administrator at 1-800-VISA-911 to report the theft or damage 
regardless of whether your liability has been established. If you are outside the United States, call 
collect at 0-410-581-9994. The Benefit Administrator will answer any questions you or the rental agency 
may have and will then send you a claim form. 

All incidents must be reported immediately following the theft or damage, but in no event later 
than forty-five (45) days* following the date of the theft or damage. Furthermore, we reserve the right 
to deny any claim that contains charges that would not have been included had the Benefit Administrator 
been notified before those expenses were incurred. We therefore advise you to notify us immediately after 
any loss. You must make every reasonable effort to protect the rental vehicle from damage or theft. 

What is not covered? 
Any obligation you assume under any agreement (other than the deductible under your personal auto 
policy). 

  Any violation of the auto rental agreement or this benefit. 

Injury of anyone or damage to anything inside or outside the rental vehicle. 

  Loss or theft of personal belongings. 
  Personal liability. 
  Expenses assumed, waived, or paid by the rental agency or its insurer. 
  Cost of any insurance or collision damage waiver offered by or purchased through the auto rental 

company. 

  Depreciation of the rental vehicle caused by loss or damage including, but not limited to 

“diminished value.” 

  Expenses reimbursable by your insurer, employer, or employer’s insurance. 
  Loss due to intentional acts, or due to the driver(s) being under the influence of alcohol, 

intoxicants, or drugs, or due to contraband or illegal activities. 
  Wear and tear, gradual deterioration, or mechanical breakdown. 

Items not installed by the original manufacturer. 
  Loss due to off-road operation of the rental vehicle. 
  Loss due to hostility of any kind (including, but not limited to, war, invasion, rebellion, or 

insurrection). 

  Confiscation by authorities. 
  Vehicles that do not meet the definition of covered vehicles. 
  Rental periods that either exceed or are intended to exceed fifteen (15) consecutive days within 
your country of residence or thirty-one (31) consecutive days outside your country of residence. 

  Leases and mini leases. 
  Loss or damage as a result of the cardholder’s lack of reasonable care in protecting the rental 

vehicle before and after damage occurs (for example, leaving the vehicle running and 
unattended). 

  Losses reported more than forty-five (45) days* from the date of loss. 

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  Losses for which a claim form has not been received within ninety (90) days* from the date of 

loss. 

  Losses for which all required documentation has not been received within 365 days from the date 

of loss. 

  Losses from rental transactions which originated in Israel, Jamaica, the Republic of Ireland, or 

Northern Ireland. 

What if the auto rental company insists that I purchase the auto rental company’s auto insurance 
or collision damage waiver? 
Call the Benefit Administrator at 1-800-VISA-911 for help. If you are outside the United States, call 
collect at 0-410-581-9994. 

When and where do I have this benefit? 
This benefit is available in the United States and most foreign countries. No benefit is provided for 
motor vehicles rented in Israel, Jamaica, the Republic of Ireland, or Northern Ireland. Additionally, 
this benefit is not available where precluded by law or in violation of the territory terms of the auto rental 
agreement or prohibited by individual merchants. Because regulations vary outside the United States, 
we recommend you check with your auto rental company and the Benefit Administrator before you 
travel to make sure Visa Auto Rental CDW will apply. 
This benefit is in effect while the rental vehicle remains in your control or in the control of a person 
permitted to operate the rental vehicle in accordance with the rental agreement between you and the auto 
rental company. This benefit terminates when the auto rental company re-assumes control of the rental 
vehicle. 

How does this benefit apply? 
Within your country of residence, Visa Auto Rental CDW supplements, and applies excess of, any valid 
and collectible insurance or reimbursement from any source. It does not duplicate insurance provided by 
or purchased through the auto rental company; it will not pay for losses reimbursed by your own insurer, 
employer, employer’s insurance, or any other valid and collectible insurance; however, it will pay for the 
outstanding deductible portion or other charges, including valid administration and loss-of-use charges 
not covered by your applicable automobile insurance policy. Outside your country of residence or if you 
do not have automobile insurance, this benefit is primary in those countries where it is available, and in 
that case, you do not have to claim payment from any other source of insurance before receiving the 
benefits. 

What types of rental vehicles are not covered? 
Excluded worldwide are: expensive, exotic, and antique automobiles; certain vans; vehicles that have an 
open cargo bed; trucks; motorcycles, mopeds, and motorbikes; limousines; and recreational vehicles.  
Examples of excluded expensive or exotic automobiles are the Aston Martin, Bentley, Bricklin, Daimler, 
DeLorean, Excalibur, Ferrari, Jensen, Lamborghini, Lotus, Maserati, Porsche, and Rolls Royce. However, 
selected models of BMW, Mercedes-Benz, Cadillac, and Lincoln are covered. 
An antique automobile is defined as any vehicle over twenty (20) years old or any vehicle that has not 
been manufactured for ten (10) years or more. 
This benefit is provided for only those vans manufactured and designed to transport a maximum of eight 
(8) people and which is used exclusively to transport people. 
If you have any questions regarding a specific vehicle, call the Benefit Administrator at 1-800-VISA-911. 
If you are outside the United States, call collect at 0-410-581-9994. 

What do I need from the auto rental company in order to file a Visa Auto Rental CDW claim? 
At the time of the damage or theft, or when you return the rental vehicle, immediately ask the auto rental 
company for: 

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A copy of the Accident Report Form and claim document, which should indicate the costs you are 
responsible for and any amounts that have been paid toward the claim. 
  A copy of the initial and final auto rental agreement(s). 
  A copy of the repair estimate or itemized repair bill. 
  Two (2) photographs of the damaged vehicle, if available. 
  A police report, if obtainable. 

How do I file a claim? 
You, the cardholder, are responsible for reporting your claim to the Benefit Administrator 
immediately, but in no event later than forty-five (45) days* from the date of theft or damage, or 
your claim may be denied. Notice to any other party will not suffice. Furthermore, we reserve the 
right to deny any claim that contains charges that would not have been included had the Benefit 
Administrator been notified before those expenses were incurred. We therefore advise you to notify us 
immediately after any theft or damage. 

  Mail the following documentation to the Benefit Administrator: 

The completed and signed Visa Auto Rental CDW Claim Form. Your completed claim form 
must be postmarked within ninety (90) days* of the date of the damage or theft, even if all 
other required documentation is not yet available, or your claim may be denied. 
A copy of your receipt or monthly billing statement as proof that the entire vehicle rental was 
charged and paid for with your eligible Visa card. 

  A statement from your insurance carrier (and/or your employer or employer’s insurance carrier, if 
applicable) or other reimbursement showing the costs for which you are responsible and any 
amounts that have been paid toward the claim. Or, if you have no applicable insurance or 
reimbursement, please provide a notarized statement to that effect. 
  A copy of the declaration page from your automobile insurance carrier. 
  Enclose all the documents you received from the auto rental company: 
  A copy of the Accident Report Form. 
  A copy of the entire auto rental agreement(s). 
  A copy of the repair estimate or itemized repair bill. 
  Two (2) photographs of the damaged vehicle, if available. 
  A police report, if obtainable. 
  Any other documentation deemed necessary by the Benefit Administrator to substantiate the 

claim. 

For faster filing, submit your claim online. It’s easy, convenient, and available at no extra cost to eligible 
Visa cardholders. To submit your claim and learn more about Visa Auto Rental CDW go to the Visa Auto 
Rental CDW Claim Center at www.visa.com/eclaims.  

If you experience difficulty in obtaining all the required documents within ninety (90) days* of the 
date of theft or damage, just submit the claim form and any documentation you already have 
available. NOTE: All remaining documents must be postmarked within 365 days of the date of theft 
or damage. 

* Not applicable to residents of certain states. 

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Do I have to do anything else? 
Usually not. Under normal circumstances, the claim will be paid within fifteen (15) days after the Visa 
Auto Rental CDW Benefit Administrator has received all documentation necessary to fully substantiate 
your claim. 
However, after the Benefit Administrator has paid your claim, all your rights and remedies against any 
party in respect of this theft or damage will be transferred to the Benefit Administrator to the extent of the 
cost of payment made to you. 
You must give the Benefit Administrator all assistance as may reasonably be required to secure all rights 
and remedies. 

Additional Provisions for Auto Rental CDW: You must make every effort that would be made by a 
reasonable and prudent person to protect the Rental Vehicle from damage or theft. This provision will not 
be unreasonably applied to avoid claims. 

If you make any claim knowing it to be false or fraudulent in any respect including, but not limited to, the 
cost of repair services, no coverage shall exist for such claim and your benefits may be canceled. Each 
cardholder agrees that representations regarding claims will be accurate and complete. Any and all 
relevant provisions shall be void in any case of fraud, intentional concealment, or misrepresentation of 
material fact by the cardholder. 

Once you report an occurrence, a claim file will be opened and shall remain open for six (6) months from 
the date of the damage or theft. No payment will be made on a claim that is not completely substantiated 
in the manner required by the Benefit Administrator within twelve (12) months of the date of damage or 
theft. 

No legal action for a claim may be brought against us until sixty (60) days after we receive Proof of Loss. 
After the expiration of three (3) years from the time written Proof of Loss was to be provided, no action 
shall be brought to recover on this benefit. Further, no legal action may be brought against us unless all 
the terms of this Guide to Benefit have been complied with fully. 

This benefit is provided to eligible Visa cardholders at no additional cost. The terms and conditions 
contained in this Guide to Benefit may be modified by subsequent endorsements. Modifications to the 
terms and conditions may be provided via additional Guide to Benefit mailings, statement inserts, or 
statement messages. The benefit described in this Guide to Benefit will not apply to Visa cardholders 
whose accounts have been suspended or canceled. 

Termination dates may vary by financial institutions. Visa and/or your financial institution can cancel or 
non-renew the benefit, and if we do, we will notify you at least thirty (30) days in advance. This 
information is a description of the benefit provided to you as a Visa cardholder. It is insured by Indemnity 
Insurance Company of North America. 

For general questions regarding this benefit, call the Benefit Administrator at 1-800-VISA-911. If you are 
outside the United States, call collect at 0-410-581-9994. 

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