OMNI Community Credit Union 
P.O. Box 1537 
Battle Creek, MI 49016 
(269) 441-1400 ▲ (866) OMNI-WOW

CREDIT LINE ACCOUNT AGREEMENT  
AND FEDERAL DISCLOSURE STATEMENT 

THIS  IS  YOUR  CREDIT  LINE  ACCOUNT  AGREEMENT  AND  IT  INCLUDES  NECESSARY  FEDERAL 
TRUTH-IN-LENDING  DISCLOSURE  STATEMENTS, CASHBACK VISA PLATINUM AND CASHBACK VISA 
PLATINUM  REWARDS  AGREEMENTS,  AND  ANY  SPECIAL  INSTRUCTIONS  REGARDING  THE  USE  OF 
YOUR  CASHBACK  VISA  PLATINUM  AND  CASHBACK  VISA  PLATINUM  REWARDS  CREDIT  CARDS, 
AND/OR ANY OTHER ACCOUNT ACCESS DEVICE. PLEASE BE CERTAIN TO READ THIS AGREEMENT 
CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR. 

Interest Rate and Interest Charges 

Annual Percentage Rate (APR) 
For Purchases 

Cashback VISA Platinum:  _______% 

8.99 - 17.99

Cashback VISA Platinum Rewards:  _______%

9.99 - 15.99

Annual Percentage Rate (APR) 
For Balance Transfers 

Cashback VISA Platinum:  _______% 

8.99 - 17.99

Cashback VISA Platinum Rewards:  _______% 

9.99 - 15.99

Annual Percentage Rate (APR) 
For Cash Advances 

Cashback VISA Platinum:  _______% 

8.99 - 17.99

Penalty APR And When it 
Applies 

Cashback VISA Platinum Rewards:  _______% 

9.99 - 15.99

Cash Reserve Line of Credit:  _______% 

18.00% 

This APR may be applied to Your VISA Feature Category if: 
1) You make a late payment.

How  Long  Will  The  Penalty  APR  Apply?  If  Your  APRs  are  increased  for this reason, 
the Penalty APR may be applied indefinitely unless 6 consecutive payments are received 
on or before the due date during the six-month period following such increase. 

Paying Interest 

For VISA, We will not charge You interest on purchases if You pay Your entire balance owed 
each  month  within  25  days  of  Your  statement  closing  date.  For  all  Feature  Categories,  We 
will begin charging interest on cash advances and balance transfers on the transaction date. 

For Credit Card Tips from 
the Consumer Financial 
Protection Bureau 

To learn more about factors to consider when applying for or using a Credit Card, 
visit the website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore. 

Fees 

Transaction Fees 



Foreign Transaction

Penalty Fees 

 Over-the-Credit Limit


Late Payment

For VISA, 1.00% of each foreign currency transaction in U.S. dollars. 
For VISA, 1.00% of each U.S. Dollar transaction that occurs in a foreign country. 

For VISA, up to $25.00 
For VISA, up to $25.00  
Except for VISA, the greater of 5.00% of the payment due or $15.00 

How We Will Calculate Your Balance: For all Feature Categories (except VISA), We use a method called "daily balance.” For 
VISA, We use a method called "average daily balance (including new purchases).” See Your Account Agreement for details. 

Billing  Rights:  Information  on  your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in  Your  Account 
Agreement.  

In  this  Agreement,  the  reference  to  "We,"  "Us,"  "Our"  and  "Credit  Union"  mean  OMNI  COMMUNITY  CREDIT  UNION.  The  words  "You"  and  "Your"  mean  each  person 
accepting  this  Agreement.  If  this  is  a  joint  Account,  read  singular  pronouns  in  the  plural.  The  words  "Card"  and  "Credit  Card"  mean  any  Cashback  VISA  Platinum  or 
Cashback VISA Platinum Rewards Credit Card issued to You by Us and any duplicates or renewals. “Convenience Checks” mean the special Account access devices that 
We may provide for Your use from time to time. 
Copyright Oak Tree Business Systems, Inc., 2006-2015. All Rights Reserved. 

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You,  as  the  Borrower,  under  a  Credit  Line  Account  ("Account"),  understand  that  the  following  Federal  Disclosure  Statement  and  the  terms  and  conditions  found herein 
constitute  Our  Agreement  with  You.  You  may  request  advances  on  Your Account through a variety of means which could include (but may not be limited to) telephonic 
requests,  advance  request  forms,  vouchers,  checks,  charge  slips,  Convenience  Checks,  Check  Cards,  ATM  Cards,  Credit  Cards,  wire  transfers,  direct  transfers  and/or 
wire transfers to specific payees identified by You, direct transfers to Your Share/Share Draft or other Credit Union account and the like. Regardless of the means by which 
any  advance  is  made,  You  promise  to  pay  Us  all  amounts  charged  to  Your  Account  by  You  or  by  any  user  who  has  access  to  Your  Account,  with  actual,  apparent  or 
implied authority for use of Your Account, including Finance Charges and other fees or charges described herein. 

FEATURE  CATEGORIES.  Your  Account  has  Feature  Categories  which  may  include  Cash  Reserve  Line  of  Credit  (including  Overdraft  Protection),  Cashback  VISA 
Platinum and Cashback VISA Platinum Rewards. 

         Account 
Feature Categories 

Daily 
Periodic 
Rate 

Monthly 
Periodic 
Rate 

Cash Reserve Line of Credit 

_________ 

ANNUAL 
PERCENTAGE 
RATE 

_________ 

Cashback VISA Platinum 

0.749% - 1.499%
_________ 

_________ 
8.99% - 17.99%

Cashback VISA Platinum Rewards 

_________ 
0.833% - 1.333%

_________ 
9.99% - 15.99%

ADVANCES. Whenever You request a transaction, We may require You to prove 
Your identity. Advances made on Your Account will be processed according to the 
instructions  You  give  Us  (such  as  by  wire  transfer,  direct  transfer  to  Your  Credit 
Union  account  or  by  other  such  means)  and  You  authorize  Us  to  do  this,  or  We 
may  draw  a  draft  or  check  made  payable  to  You  and  mail  it  to  You.  When  the 
amount  advanced  appears  on  a  subsequent  statement,  that  will  be  conclusive 
evidence  of  Your  advance  request  unless  You  notify  Us  that  You  disagree  with 
any such item appearing on Your periodic statement according to the provision of 
this Agreement "Your Billing Rights: Keep this Document for Future Use."  

SECURITY. As permitted by law, to secure all transactions under this Agreement 
in either joint or individual Accounts, We have the right to impress and enforce a 
statutory  lien  against  Your  shares  on  deposit  with  Us  (other  than  those  deposits 
established  under  a  governmental  approved  tax  deferral  plan  such  as  an  IRA  or 
Keogh Account), and any dividends due or to become due to You from Us to the 
extent that You owe on any unpaid balance on Your Account and We may enforce 
Our  right  to  do  so  without  further  notice  to  You.  Additionally,  You  agree  that  We 
may set-off any mutual indebtedness. 

OTHER  SECURITY.  Collateral  (other  than  household  goods  or  any  dwelling) 
given as security under this Agreement or for any other loan You may have with 
Us  will  secure  all  amounts  You  owe  Us  now  and  in  the  future  if  that  status  is 
reflected  in  the  "Truth-in-Lending  Disclosure"  in  any  particular  Agreement 
evidencing such debt. 

LIEN  ON  SHARES.  If  You  have  been  issued  an  ATM  or  debit  card,  You 
grant  and  consent  to  a  lien  on  Your  shares  with  Us  (except  for  IRA  and 
Keogh accounts) and any dividends due or to become due to You from Us 
to the extent You owe on any unpaid Cash Reserve Line of Credit balance 
created through the use of Your ATM or debit card. 

LINE  OF  CREDIT  LIMITS.  You  will  be  notified  of  each  specific  Credit  Limit  for 
each  Feature  Category  for  which  You  are  approved.  Unless  You  are  in  default, 
any  Credit  Limits  established  for  You  will  generally  be  self-replenishing  as  You 
make payments. 

You will keep Your unpaid balance within Your Credit Limit set by Us, and You will 
pay  any  amount  over  Your  Credit  Limit  on  Our  demand  whether  or  not  We 
authorize  the  advances  which  caused  You  to  exceed  Your  Credit  Limit.  Even  if 
Your  unpaid  balance  is  less  than  Your  Credit  Limit,  You  will  have  no  credit 
available during any time that any aspect of Your Account is in default. 

JOINT  ACCOUNTS.  Each  Borrower  will  be  responsible,  jointly  and  severally,  for 
the  repayment  of  any  amounts  owed.  If  any  Account  access  device,  such  as  a 
Personal Identification Number (PIN) is requested and approved, You understand 
that  any  such  Account  access  device(s)  will  be  mailed  only  to  the  primary 
Borrower at the address that We have on file for You. We may refuse to follow any 
instructions which run counter to this provision. 

MINIMUM  MONTHLY  CONTRACTUAL  PAYMENTS  (PAYMENT  SCHEDULE). 
Though  You  need  only  pay  the  Minimum  Monthly  Contractual  Payments,  You 
understand that You have the right to repay at any time without penalty. You also 
understand  that  You  will  only  be  charged  periodic  Finance  Charges  to  the  date 
You  repay  Your  entire  balance.  You  may  make  larger  payments  without  penalty. 
Any  partial  payment  or  prepayment  will  not  delay  Your  next  scheduled  payment. 
All payments to Us must be in lawful money of the United States. For all Feature 
Categories  (except  VISA),  payments  will  be  applied  first  to  any  Late  Charges 
owing, then to the Finance Charge due, then to the outstanding principal balance.  

As permitted by law, VISA payments will be applied in an order of Our choosing 
and  any  amounts  paid  in  excess  of  the  Minimum  Monthly Payment will first be 
applied  to  the  balance  bearing  the  highest  rate  of  interest,  and  then  to  each 
successive  balance bearing the next highest rate of interest, until the payment 
is depleted. 

Any  unpaid  portion  of  the  Finance  Charge  will  be  paid  by  subsequent  payments 
and will not be added to Your principal balance. You understand that any delay in 
the  repayment  of  Your  unpaid  balance  will  increase  Your  periodic  Finance 
Charges  and  any  acceleration  in  the  repayment  of  Your  unpaid  balance  will 
decrease Your periodic Finance Charges. 

Cash  Reserve  Line  of  Credit  Minimum  Monthly  Contractual  Payments  will  be 
established and fixed on the first day of the calendar month immediately following 
each  advance  at  an  amount  equal  to  3.00%  of  Your  then  outstanding  balance, 
subject to the lesser of $25.00 or Your balance. 

Cashback  VISA  Platinum  and  Cashback  VISA  Platinum  Rewards  Minimum 
Contractual  Payments  will  be  an  amount  equal  to  2.00%  of  Your  new  unpaid 
Cashback VISA Platinum or Cashback VISA Platinum Rewards balance at the end 
of  each  billing  cycle,  subject  to  the  lesser  of  $25.00  or  Your  balance,  plus  any 
portion  of  the  Minimum  Payments  shown  on  prior  statement(s)  which  remains 
unpaid, plus any amount that exceeds Your approved Credit Limit. 

You may, by separate agreement, authorize Us to charge Your payment directly to 
Your Share or Share Draft Account. 

LATE CHARGE – CASH RESERVE LINE OF CREDIT. For Cash Reserve Line of 
Credit,  if  Your  payment  is  15  or  more  days  past  due,  You  will  be  charged  the 
greater of 5.00% of the payment due or $15.00. 

FINANCE CHARGES – CASH RESERVE LINE OF CREDIT.  For Cash Reserve 
Line of Credit, a Finance Charge will be assessed on any unpaid principal balance 
for  each  Feature  Category  of  Your  Account  for  the  period  such  balance  is 
outstanding.  Balances  change  each  time  advances  are  made,  payments  are 
made or credits given under any Feature Category. The Finance Charge begins to 
accrue on the date of each advance and there is no grace period. 

HOW  TO  DETERMINE  THE  FINANCE  CHARGE  –  CASH  RESERVE  LINE  OF 
CREDIT.  For Cash Reserve Line of Credit, the Finance Charge is determined by 
multiplying Your unpaid balance at the close of each day in the billing cycle being 
accounted  for  by  the  applicable  Daily  Periodic  Rate.  The  unpaid  balance  is  the 
balance  each  day  after  payments,  credits,  and  unpaid  Finance  Charges  to  that 
balance  have  been  subtracted  and  any  new  advances,  insurance  premiums  or 
other  charges  have  been  added  to  Your  unpaid  balance.  These  daily  Finance 
Charges  are  then  added  together  and  the  sum  is  the  amount  of  the  Finance 
Charge  owed  for  the  Feature  Category  being  accounted  for.  The  total  Finance 
Charge  You  owe  on  Your  Account  for  each  billing  cycle  is  the  sum  of  all  the 
Finance Charges due for all applicable Feature Categories. 

VISA FINANCE CHARGES. In the case of any transactions under Your Cashback 
VISA  Platinum  or  Cashback  VISA  Platinum  Rewards  Feature  Categories,  the 
balances subject to the periodic Finance Charge are the average daily transaction 
balances  outstanding  during  the  month  (including  new  transactions).  To  get  the 
average daily balance, We take the beginning balance of Your Account each day, 
add any new purchases, cash advances, insurance premiums, debit adjustments 
or other charges and subtract any payments, credits and unpaid Finance Charges. 
This  gives  Us  the  daily  balance.  Then,  We  add  up  all  the  daily  balances  for  the 

Copyright Oak Tree Business Systems, Inc., 2006-2015. All Rights Reserved. 

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billing  cycle  and  divide  them  by  the  number  of  days  in  the  billing  cycle.  The 
Finance  Charge  for  a  billing  cycle  is  computed  by  multiplying  the  average  daily 
balance subject to a Finance Charge by the Monthly Periodic Rate. 

available  through  Us  and  have  the  premiums  added  to  Your  outstanding 
balance. If You elect to do so, You will be given the necessary disclosures and 
documents separately. 

You  can  avoid  Finance  Charges  on  purchases  by  paying  the  full  amount  of  the 
entire  balance  owed  each  month  within  25  days  of  Your  statement  closing  date. 
Otherwise,  the  new  balance  of  purchases,  and  subsequent  purchases  from  the 
date they are posted to Your Account, will be subject to a Finance Charge. Cash 
advances and balance transfers are always subject to a Finance Charge from the 
later of the date they are posted to Your Account or from the first day of the billing 
cycle in which the cash advance is posted to Your Account. 

OVERDRAFT PROTECTION. We may transfer funds in multiples of $100.00 (or in 
such  increments  as  We  may  from  time  to  time  determine)  to  Your  share  draft 
account  by  an  advance  on  Your  Cash  Reserve  Line  of  Credit  Feature  Category, 
subject  to  this  provision,  to  clear  any  Overdraft  on  Your  share  draft  account. 
Whether  or  not  such  transfers  occur  will  be  controlled  by  this  Agreement.  In  any 
event, You hold Us harmless for any and all liability which might otherwise arise if 
the  transfer  does  not  occur.  Overdraft  protection  automatically  ceases  if  this 
Agreement is ever cancelled or terminated or Your Account is in default. 

PERIODIC  STATEMENTS.  On  a  regular  basis,  You  will  receive  a  statement 
showing  all  transactions  on  Your  Account  including  amounts  paid  and  borrowed 
since  Your  last  statement.  We  will  mail  You  a  statement  each  month  in  which 
there is a debit or credit balance or when a Finance Charge is imposed. We need 
not  send  You  a  statement if We feel Your Account is uncollectible or if We have 
started  collection  proceedings  against  You  because  You  defaulted.  EACH 
STATEMENT  IS  DEEMED  TO  BE  A  CORRECT  STATEMENT  OF  ACCOUNT 
UNLESS  YOU  ESTABLISH  A  BILLING  ERROR  PURSUANT  TO  THE  FEDERAL 
TRUTH-IN-LENDING ACT.  

OUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under 
no obligation to honor Your Convenience Checks if: (1) by paying a Convenience 
Check,  You  would  exceed  Your  Credit  Limit;  (2)  Your  Cards  or  Convenience 
Checks have been reported lost or stolen; (3) Your Account has been cancelled or 
has expired. If a postdated Convenience Check is paid and, as a result, any other 
Convenience  Check  is  returned  unpaid,  We  are  not  responsible for any resulting 
loss or liability. 

DEFAULT. You will be in default if: (a) You do not make any payment or perform 
any obligation under this Agreement, or any other agreement that You may have 
with Us; or (b) You should die, become involved in any insolvency, receivership or 
custodial proceeding brought by or against You; or (c) You have made a false or 
misleading statement  in  Your  credit  application  and/or  in  Your  representations  to 
Us while You owe money on Your Account; or (d) A judgment or tax lien should be 
filed against You or any attachment or garnishment should be issued against any 
of  Your  property  or  rights,  specifically  including  anyone  starting  an  action  or 
proceeding to seize any of Your funds on deposit with Us; and/or (e) We should, in 
good  faith,  believe  Your  ability  to  repay  Your  indebtedness  hereunder  is  or  soon 
will be impaired, time being of the very essence. 

Upon  any  occurrence  of  default,  We  may,  to  the  extent  permitted  by  law,  cancel 
Your  rights  under  this  Agreement,  require  the  return  of  all  access  devices  and 
declare the entire balance of every Feature Category of Your Account immediately 
due and payable, without prior notice or demand. 

COLLECTION  COSTS.  In  the  event  collection  efforts  are  required  to  obtain 
payment  on  this  Account,  to  the  extent  permitted  by  law,  You  agree  to  pay  all 
court costs, private process server fees, investigation fees or other costs incurred 
in  collection  and  actual  attorneys’  fees  incurred  in  the  course  of  collecting  any 
amounts owed under this Agreement or in the recovery of any Collateral. 

ENFORCEMENT. We do not lose Our rights under this or any related agreement 
if  We  delay  enforcing  them.  We  can  accept  late  payments,  partial  payments  or 
any  other  payments,  even  if  they  are  marked  "paid  in  full"  without  losing  any  of 
Our rights under this Agreement. If any provision of this or any related agreement 
is  determined  to  be  unenforceable  or  invalid,  all  other  provisions  remain  in  full 
force and effect. 

NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move 
or otherwise have a change of address. 

INTEGRATED  DOCUMENTS.  Any  separate  sheet  of  paper  labeled  "Additional 
Disclosure  -  Federal  Truth-In-Lending  Act."  and/or  "Credit  Line  Account  Advance 
Request and Security Agreement" which is delivered together with this Agreement 
or at a later date becomes an integrated part of this Agreement and Disclosure. 

CONSENT  TO  AGREEMENT.  You  acknowledge  receipt  of  a  copy  of  this 
Agreement.  By  signing  the  application;  or by using Your Account or any Account 
access  device;  or by authorizing another to use Your Account, You agree to and 
accept its terms. 

UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts 
to update information contained in Your original Account application or other financial 
information related to You, at Our request. You also agree that We may, from time to 
time, as We deem necessary, make inquiries pertaining to Your employment, credit 
standing  and  financial  responsibility  in  accordance  with  applicable  laws  and 
regulations.  You  further  agree  that  We  may  give  information  about  the  status  and 
payment  history  of  Your  Account  to  consumer  credit  reporting  agencies,  a 
prospective  employer  or  insurer,  or  a  state  or  federal  licensing  agency  having  any 
apparent legitimate business need for such information.  

TERMINATION.  Either  You  or  We  may  cancel  Your  Account  or  any  particular 
Feature Category of Your Account, at any time, whether or not You are in default. 
You  will,  in  any  case,  remain  liable  to  pay  any  unpaid  balances  according  to  the 
terms of Your Account. 

GOVERNING LAW. This Agreement is controlled and governed by the laws of the 
State  of  Michigan  except  to  the  extent  that  such  laws  are  inconsistent  with 
controlling federal law. 

SPECIFIC TERMS APPLICABLE TO YOUR 
CASHBACK VISA PLATINUM AND CASHBACK VISA 
PLATINUM REWARDS CREDIT CARDS 

USE OF YOUR CARD. You may use Your Card to buy goods and services in any 
place  that  it  is  honored  and  to  get  cash  advances  at  participating  financial 
institutions. You agree not to use Your Card for illegal transactions including, but 
not limited to, advances made for the purpose of gambling and/or wagering where 
such practices are in violation of applicable state and/or federal law. 

OWNERSHIP.  Your  Card  remains  Our  property  and  may  be  canceled  by  Us  at 
any time without notice. You agree to surrender Your Card and to discontinue its 
use immediately upon Our request. 

ISSUANCE  OF  A  PERSONAL  IDENTIFICATION  NUMBER.  We  will  issue,  upon 
Your  request,  a  Personal  Identification  Number  (PIN)  for  use  with  participating 
Automated  Teller  Machines  (ATMs).  This  PIN  is  confidential  and  should  not  be 
disclosed to anyone. You may use Your PIN to access Your Account and all sums 
advanced will be added to Your Account balance. In the event a use of Your PIN 
constitutes  an  Electronic  Fund  Transfer,  the  terms  and  conditions  of  Your 
Electronic Fund Transfer Agreement may also affect Your rights.  

EFFECT  OF  AGREEMENT.  Even  though  the  sales,  cash  advance,  credit  or  other 
slips You may sign or receive when using Your Card contain terms, this Agreement is 
the contract which solely applies to all transactions involving the Card. 

UNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card. 
You  will  not  be  liable  for  the  unauthorized  use  that  occurs  after  You  notify  Us  of 
the loss, theft, or possible unauthorized use by calling Us during regular business 
hours at (800) 828-3901, and after hours, on weekends and holidays at (800) 991-
4961.  You  may  also  write  to  Us  at  the  address  shown  in  this  Agreement.  In  any 
case, Your liability will not exceed $50.00. 

REFUSAL  TO  HONOR  CARDS  OR  CONVENIENCE  CHECKS.  We  are  not 
liable for the refusal or inability of merchants, financial institutions and others to 
accept  the  Cards  or  Convenience  Checks,  or  electronic  terminals  to honor the 
Cards  or  complete  a  Card  withdrawal,  or  for  their  retention  of  the  Cards  or 
Convenience Checks. 

CHANGE IN TERMS. We may change the terms of this Agreement by mailing or 
delivering to You written notice of the changes as prescribed by the Federal Truth-
In-Lending  Act.  To  the  extent  permitted  by  law,  the  right  to  change  the  terms  of 
this Agreement includes, but is not limited to, the right to change the periodic rate 
applicable to Your unpaid balance and/or future advances. 

CREDIT  INSURANCE.  Credit  insurance  is  not  required  for  any  extension  of 
credit under this Agreement. However, You may purchase any credit insurance 

FOREIGN  TRANSACTIONS.  For  transactions  initiated  in  foreign  countries  and 
foreign  currencies,  the  exchange  rate  between  the  transaction  currency  and  the 
billing currency (U.S. dollars) will be: (a) a rate selected by VISA from the range of 
rates available in wholesale currency markets for the applicable central processing 
date,  which  rate  may  vary  from  the  rate  VISA  itself  receives;  or  (b)  the 
government-mandated rate in effect for the applicable central processing date. In 
each  instance,  You  will  be  charged  a  fee  in  an  amount  equal  to  1.00%  of  the 
settlement amount. 

Copyright Oak Tree Business Systems, Inc., 2006-2015. All Rights Reserved. 

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TRANSACTION  SLIPS.  Your  monthly  statement  will  identify  that  merchant, 
electronic  terminal  or  financial  institution  at  which  transactions  were  made,  but 
sales, cash advance, credit or other slips cannot be returned with the statement. 

LATE  CHARGE.  If  Your  payment  is  one  or  more  days  past  due,  You  will  be 
charged the lesser of: (a) the amount of the minimum payment due; or (b) $25.00.  

OVER-THE-CREDIT  LIMIT  FEE.  If  You  have  affirmatively  consented  to  allow Us 
to  pay  a  transaction  that  would  exceed  Your  Credit  Limit  and  We  have 
acknowledged  Your  consent  as  required  by  applicable  law,  subject  to  any 
limitations  imposed  by  applicable  law,  You  will  be  charged  a  fee  for  each  billing 
cycle during which You exceed Your Credit Limit. The fee will be an amount equal 
to the lesser of: (a) $25.00; or (b) the amount by which You have exceeded Your 
Credit Limit. 

VISA PENALTY RATE. If Your VISA Feature Category is more than 60 days past 
due, subject to applicable law, the Monthly Periodic Rate applicable to Your entire 
balance  of  transactions  existing  at  that  time  and  in  the  future  will  increase  to 
1.50% (corresponding ANNUAL PERCENTAGE RATE 18.00%).  

During  the  six  month  period  following  the  effective  date  of  the  increase,  upon 
receipt  of  the  first  six  consecutive  required  minimum  periodic  payments  when 
due,  the  rate  will  be  returned  to  the  standard  rate  that  would  have  otherwise 
been in effect. 

LOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit Cards 
or Convenience Checks, You will immediately call Us during regular business hours 
at  (800)  828-3901,  and  after  hours,  on  weekends  and  holidays  at  (800)  991-4961. 
You may also write to Us at the address shown in this Agreement.  

CREDITS.  If  a  merchant  who  honors  Your  Card  gives  You  credit  for  returns  or 
adjustments,  they  will  do  so  by  sending  Us  a  slip  which  will  be  posted  to  Your 
Account. If Your credits and payments exceed what You owe Us, We will hold and 
apply  this  credit  against  future  purchases  and  cash  advances,  or  if  it  is  $1.00  or 
more  refund  it  on  Your  written  request  or  automatically  deposit  it  to  Your  Share 
Account after six months. 

What Will Happen After We Receive Your Letter 

When We receive Your letter, We must do two things: 

1)  Within  30  days  of  receiving  Your  letter,  We  must  tell  You that We received 
Your letter. We will also tell You if We have already corrected the error. 
2)  Within  90  days  of  receiving  Your  letter,  We  must  either  correct  the  error  or 

explain to You why We believe the bill is correct. 

While We investigate whether or not there has been an error: 

  We cannot try to collect the amount in question, or report You as delinquent 

 

on that amount. 
The  charge  in  question  may  remain  on  Your  statement,  and  We  may 
continue to charge You interest on that amount. 

  While  You  do  not  have  to  pay  the  amount in question, You are responsible 

for the remainder of Your balance. 

  We can apply any unpaid amount against Your Credit Limit. 

After We finish Our investigation, one of two things will happen: 

 

 

If  We  made  a  mistake:  You  will  not  have  to  pay  the  amount  in  question  or 
any interest or other fees related to that amount. 
If We do not believe there was a mistake: You will have to pay the amount in 
question, along with applicable interest and fees. We will send You a statement 
of the amount You owe and the date payment is due. We may then report You 
as delinquent if You do not pay the amount We think You owe. 

If You receive Our explanation but still believe Your bill is wrong, You must write to 
Us within 10 days telling Us that You still refuse to pay. If You do so, We cannot 
report You as delinquent without also reporting that You are questioning Your bill. 
We  must  tell  You  the  name  of  anyone  to  whom  we  reported  You  as  delinquent, 
and  We  must  let  those  organizations  know  when  the  matter  has  been  settled 
between Us. If We do not follow all of the rules above, You do not have to pay the 
first $50.00 of the amount You question even if Your bill is correct. 

Your Billing Rights: Keep this Document for Future Use 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases 

This  notice  tells  You  about  Your  rights  and  Our  responsibilities  under  the  Fair 
Credit Billing Act. 

What To Do If You Find A Mistake On Your Statement 

If You think there is an error on Your statement, write to Us at Our address shown 
in this Agreement. In Your letter, give us the following information: 

 
 
 

Account information: Your name and Account number. 
Dollar amount: The dollar amount of the suspected error. 
Description  of  problem:  If  You  think  there  is  an  error  on  Your  bill,  describe 
what You believe is wrong and why You believe it is a mistake. 

You must contact Us: 

  Within 60 days after the error appeared on Your statement. 
 

At  least  three  business  days  before  an  automated  payment  is  scheduled,  if 
You want to stop payment on the amount You think is wrong. 

If  You  are  dissatisfied  with  the  goods  or  services  that  You  have  purchased  with 
Your Credit Card, and You have tried in good faith to correct the problem with the 
merchant,  You  may  have  the  right  not  to  pay  the  remaining  amount  due  on  the 
purchase. To use this right, all of the following must be true: 

1)  The purchase must have been made in Your home state or within 100 miles 
of  Your  current  mailing  address,  and  the  purchase  price  must  have  been 
more  than  $50.00.  (Note:  Neither  of  these  are  necessary  if  Your  purchase 
was  based  on  an  advertisement  We  mailed  to  You,  or  if  We  own  the 
company that sold You the goods or services.) 

2)  You  must  have  used  Your  Credit  Card  for  the  purchase.  Purchases  made 
with cash advances from an ATM or with a check that accesses Your Credit 
Card account do not qualify. 

3)  You must not yet have fully paid for the purchase. 

If all of the criteria above are met and You are still dissatisfied with the purchase, 
contact Us in writing at Our address shown in this Agreement. 

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. 

While  We  investigate,  the  same  rules  apply  to  the  disputed  amount  as  discussed 
above. After We finish Our investigation, We will tell You Our decision. At that point, if 
We think You owe an amount and You do not pay, We may report You as delinquent. 

Copyright Oak Tree Business Systems, Inc., 2006-2015. All Rights Reserved. 

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