VISA CLASSIC  CREDIT CARD AGREEMENT AND DISCLOSURE 

1. INTRODUCTION. This Agreement covers your VISA Classic Credit Line of Credit  issued as part of the loan plan under your Loan Contract Agreement with Rogue 
Credit Union (“Lender”). In this Agreement the words “you”, “yours”, “applicant”, and “Borrowers” mean any person who signs the application for this Account, any 
joint obligor, guarantor, authorized user, or the person whose name is embossed on the Card. The words, “we”, “us”, “our”, and “Lender” mean Rogue  Credit 
Union. The word “Card” means any one or more credit cards as requested issued under this Account. If you sign an application for this account or sign or use 
any  Card  or PIN,  or  allow  others to  use  the  Card or  PIN, you and they will  have  accepted this  agreement  just  as  if  you  and they  signed it,  and you and they, 
jointly and severally, will be bound by the following terms and conditions which will govern this Account. 
2. PURCHASES AND CASH ADVANCES. You must  sign the Card to use it. Once you have signed the Card, you can use it to buy or lease goods, services, or 
insurance wherever the Card is honored, up to the full amount of your credit line. You may use your Account to get cash advances from us. You may also use 
your Card to get a cash advance from participating  financial institutions and designated automatic teller machines.  You may  not  use the Card for any  illegal 
or unlawful transaction, and we may decline to authorize any transaction that we believe poses an undue risk of illegality or unlawfulness. 
3. OVERDRAFT PROTECTION. If we approve overdraft protection, you may access your line of credit account by overdrawing your  checking  account. We will treat 
any overdraft item as a request for a loan advance on your line of credit. Overdraft transfers will be made in amounts sufficient to cover the overdrawn item. 
You understand that any owner on your checking account may obligate you to repay overdraft advances by overdrawing the checking account. 
4. YOU  PROMISE  TO  PAY.  You  promise  to  pay  us  all  such  amounts,  plus  any  Finance  Charges,  which  arise  from  use  of  the  Card  or  Account  by  you  or  any 
other person, and to be jointly and severally  liable with such  a person,  unless such other  person does not have  actual,  implied, or  apparent authority  for such 
use, and you received no benefit  from  the  use. You promise to pay us either by direct payment  or by automatic transfers from shares or payroll deduction. 
5. CREDIT LINE. If your application is approved by us, this agreement will constitute a  revolving  line of  credit  for  an amount  which will be the credit  line under 
your Account. We will advise you of the amount of  your  credit line. That amount will be  the maximum amount you may have outstanding  at  any time. You agree 
not  to  attempt  to  obtain  more  credit  than  the  amount  of  your  credit  line.  However,  if  you  temporarily  exceed  your  credit  line,  you  agree to  repay  the  excess 
immediately, even if we have not yet billed you. 
Obtaining such credit does not increase your credit line and if you exceed your Credit Limit repeatedly, we may suspend your credit privilege under this Agreement. 
We retain the right to increase or decrease your credit line at any time for any reason. Any increase of reduction on the limit of your credit line will be  shown 
on  your monthly  statement  or by  separate  notice  together  with  any  changes  in  the  applicable  minimum  monthly  payments.  Your  eligibility  for this credit line 
is determined by our loan policy and may be terminated at our sole discretion, without demand or notice. You may close your credit line at any time by notifying 
us in writing and returning all Cards cut in half. If you terminate this Agreement or if we terminate or suspend your credit privileges, the provisions of this Agreement 
and your liability hereunder shall otherwise remain in full force   and effect until you have paid us all sums due under this Agreement and returned all Cards. 
6. MINIMUM MONTHLY PAYMENT. We will mail you a statement every month if your account has a balance. You agree that you will pay each month not less than 
the minimum monthly payment by the payment due date. The minimum monthly payment will be 3.0% for Classic accounts or 2% for Platinum accounts of your 
outstanding balance (“New Balance”) or $25.00, whichever is greater.  If your outstanding balance is $25.00 or less, you agree to  pay  the balance in full. You 
may pay in full for all your purchases and cash advances each month, or you may  repay in monthly installments. We can accept  late payments or partial payments, 
or checks, drafts, or money orders marked “payment  in full” without  prejudice  to our  rights under  this Agreement, which are  hereby explicitly reserved. A credit 
posting from a merchant or reversal of fees do not constitute  a minimum payment. The minimum  monthly payment  may be allocated at the Credit Union’s 
discretion to pay off lower rate balances, such as promotional offers, before higher rate balances, such as cash advances or purchases. Payments in excess of 
the minimum monthly payment will be allocated first to  higher  rate balances,  as  applicable.  From time to time, we may allow you to skip your minimum monthly 
payment due. If you choose to skip that payment, Finance Charges will continue to accrue in accordance with this Agreement. Payments received at: Rogue Credit 
Union, PO Box 4550, Medford, OR 97501 on or before 5:00 PM Pacific Time on any business day will be credited  to  your  Account  as  of  that  date;  payments 
received  by  mail  at  that  address  after  5:00  PM  Pacific  Time  or  on  a  weekend  will  be  posted  to  your Account as of the next business day. Payment crediting 
to your Account may be delayed up to five  days if your payment  is received by mail at  any  other address or not accompanied by the remittance portion of your 
Account statement. 
7. SECURITY INTEREST. To secure your Account, you grant us a purchase money security interest under the Uniform Commercial Code in any goods you purchase 
through your Account. If you default, we will have the right to recover any of these goods which have not been paid through application of your payments in the 
manner described in Section  5. In addition, you agree that all collateral you give (or have given) the Credit Union to secure other loan obligations (except real 
estate or a dwelling) in the past and in the future, also secures your obligations under this Agreement. You also grant us a  security interest in all your shares, 
deposits, and accounts (except for Individual Retirement Accounts and Keogh Plans) at the Credit Union. 
8. MONTHLY STATEMENTS. Each month we will send you a statement showing purchases, cash advances,  payments,  and  credits made  to your Account during 
the billing cycle,  as well as your “New Balance”, any Finance Charge and any late charges. Your statement also will identify the minimum monthly payment you 
must make for that billing period and the date it is due. You agree to retain for statement verification copies of transaction slips resulting from each  purchase, 
each advance,  and other transactions on  your Account. Unless you notify us of a billing error in accordance with the section entitled “Your Billing Rights”, you 
accept your monthly statement as an accurate statement of your Account with us. 
9.  CIRCUMSTANCES  UNDER  WHICH  AN  FINANCE  CHARGE  WILL  BE  IMPOSED.  The  total  outstanding  balance  of  purchases  and  cash  advances  in  the 
Account  on  the  closing  date  of  the  billing  cycle,  including  any  Finance  Charge  will  be  shown  on  the  Periodic  Statement  for  that  billing  cycle  as  the  “New 
Balance”. 
(a).  Cash Advances. An Finance Charge will be  imposed on  cash  advances  from  the date made or  from the first day of  billing cycle  in which the cash advance 
is posted to your account, whichever is later, and will continue to accrue until the date of payment. 
(b).  Purchases.  An Finance Charge will be  imposed on the portion of purchases included in the  New Balance  that  remains unpaid within 25 days of the closing 
date of your statement. This “grace period” allows you to avoid an Finance Charge on purchases for a billing cycle. However, if you do not pay any of the New 
Balance for purchases within the grace period, your Finance Charge will accrue on any unpaid purchase transactions from the date of purchase. 
10. METHOD USED TO DETERMINE THE BALANCE ON WHICH THE FINANCE CHARGE MAY BE COMPUTED. The Finance  Charge for a billing  cycle  is computed 
by  applying  the  monthly  periodic  Rate  to  the  average  daily  balance  of  cash  advances,  purchases  and  balance  transfers.  The  “Average  Daily Balance” is 
determined by dividing the sum of the daily balances during each billing cycle by the number of days in the cycle. Each daily balance of cash advances and credit 
purchases  is  determined  by  adding  to  the  outstanding  balance  of  cash  advances  and  credit  purchases  at  the  beginning  of  the  billing cycle  any  new  cash 
advances  and  credit  purchases  posted to  your  account  and  subtracting  any  payments as  received  and credits  as posted  to  your  account, but excluding any 
unpaid Finance Charges. 

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VISA Classic Credit Card Account Agreement and Disclosure 

Rogue Credit Union 

11. METHOD OF  DETERMINING  THE  AMOUNT  OF  FINANCE  CHARGE. Any  Finance  Charge  shown on  your monthly  statement  is  determined  as follows: We 
figure the Finance Charge on your Account by applying the Periodic Rate to the “Average Daily Balance” of your Account. 
12. PERIODIC RATE AND CORRESPONDING ANNUAL PERCENTAGE RATE. The Periodic Rate and corresponding Annual Percentage Rate that is used to compute 
the Finance Charge is variable. The Annual Percentage Rate is based on an index which is the highest Wall Street Prime Rate as of the last day of the month 
as published in The Wall Street Journal (Western Edition) from time to time. To determine the Annual Percentage  Rate,  we  add a margin to the index. The amount 
of the margin depends on the type of account, your credit profile, and other factors we deem appropriate. The margin applicable to your account  will  be  provided 
to  you  at  the  time  of  opening  your  card.  The  Annual  Percentage  Rate  is  divided  by  12  to  obtain  the  periodic  rate.  The  rate  can change monthly effective 
the first day of the billing cycle. Any increase  or  decrease  in  the  Annual  Percentage Rate will affect  the number of monthly payments you may have to make. 
The initial periodic rate and Annual Percentage Rate will be provided to you with your Card. 
13. CONDITIONS UNDER WHICH OTHER CHARGES MAY BE IMPOSED. 
a.  Returned Check Charge. A $25.00 charge will be made when a check submitted by you for payment on an account is returned to us,  regardless of the 
reason. 
b.  Research and Copying. If you ask  us  to examine your account or provide  copies of documents, except  in resolution of a billing error, we may charge you 
$5.00 for each copy. 
c.  Late Fee. If any payment is past due for a period of 10 days, a late fee will be added to your account. The late fee will equal $25.00. 
d.  Replacement Card Fee. A $5.00 charge per card may be imposed for each additional or replacement card you request. 
e.  Additional PIN Fee. A $2.00 charge per personal identification number (PIN) may be imposed for each additional PIN you request. 
f.  Attorney’s Fee. We may impose the following fees and charges on your Account. If you default on any part of this Agreement, you agree to pay us all costs 
to collect your Account, including court costs and reasonable attorney fees whether or not there is a lawsuit, and fees on any appeal and fees for bankruptcy 
proceedings, appeals and any post-judgment collection services, if applicable. 
14. CONDITIONS OF CARD USE. The use of your Card and account are subject to the following conditions: 
a. Ownership of Cards. Any Card or other credit instrument or device which we supply you is our property and must be returned to us or to any person whom 
we authorize to act as our agent, or to any person who is authorized to honor the Card, immediately according to instructions. The Card may be repossessed 
at any time in our sole discretion without demand or notice. You cannot transfer your Card or Account to another person. 
b. Honoring the Card. Neither we nor merchants authorized to honor the Card will be responsible for the failure  or  refusal  to  honor the Card or  any  other credit 
instrument or device we supply you. If a merchant agrees to give you a refund or adjustment, you agree to accept  a credit  to your Account  in lieu of a cash refund. 
c.  Currency  Conversions/Foreign  Transaction  Fee.  Purchase  and  cash  advances  made  in  foreign  countries  will  be  billed  to  you  in  U.S.  dollars.  The  currency 
conversion rate for international transactions as established by VISA International, Inc. is 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 the government-mandated rate in effect 
for  the  applicable  central  processing  date.  In  addition,  you  will  be  charged  a  Foreign  Transaction  Fee  of  up  to  1%  of  the  transaction  amount  for any card 
transaction made in a foreign country. 
d. Notices and Payments. All notices will be sent to your address as shown in the application. You agree to advise us promptly if you change your mailing address. 
All payments  should be mailed to us  at the remittance  address shown on your monthly statements. Payments received at that  address will be credited to your 
account as of the date  received. 
e. Personal Identification Number. We will issue you a Personal Identification Number (PIN) for use with your Card at  VISA NET automatic teller machines (ATM’s). 
These numbers are issued to you for your security purposes. These numbers are confidential and should not e disclosed to third parties. You are responsible for 
safekeeping your  PIN.  You agree not to disclose or otherwise make available your PIN to anyone not authorized to sign on your Accounts. To keep your Account 
secure, please do not write your PIN on your Card or keep it in the same place as your Card. 
15. DEFAULT. You will be in default under this Agreement if any of the following occur: (a) Any minimum monthly payment is not made when due; (b)  You become 
insolvent,  bankrupt,  or  you  die;  (c)  You  violate  any  part  of  this  Agreement,  or  any  other  agreement  with  us;  (d)  If  we  reasonably  deem  ourselves insecure 
or your credit line; or (e) You make any false or misleading statements on a credit application to the Credit Union. We will notify you in writing of any such  action 
as  soon  as  practical  if  it  occurs.  Upon  default,  we  may  declare  the  entire  unpaid  balance  immediately  due  and  payable,  and you  agree  to  pay that  amount 
plus  any  attorney  fees  and  costs  incurred  by  us.  We  can  delay enforcing  any  right  under this  Agreement  without  losing  that  right  or  any  other right. 
16. GOVERNING LAW. This Agreement will not take effect until it is approved by us. This Agreement shall be governed by the laws of the State of Oregon. 
17. LOSS OR THEFT OF CREDIT CARD.  You agree to notify us immediately, orally or in writing, at  Rogue Credit Union, PO Box 4550, Medford, OR 97501, or 
telephone (541)  8587328 (after hours you may call 1(800) 682-6075 of the  loss, theft, or unauthorized use of your Credit Card. If you notify us of your lost 
or stolen Credit Card you may not be  liable for  any  losses. This liability  exclusion will apply  provided you were  not grossly  negligent or fraudulent  in handling 
your credit card; otherwise your liability for unauthorized VISA Credit Card transactions may be up to $50.00. 
18. CREDIT INFORMATION/FINANCIAL STATEMENTS.  You authorize us to release information to others (e.g. credit bureaus, merchants, and other financial 
institutions) regarding the status and history of your credit line. You agree to provide us, at any time we deem necessary, with a current financial statement and/or 
a new credit application upon request. We may investigate your credit directly or through a credit reporting agency. 
19. ACKNOWLEDGMENT AND AMENDMENTS. You understand and agree to the terms and conditions in this Agreement, and the  Fair Credit Billing  Notice made 
a part hereof.  You also understand and agree that you may be subject to other agreements with us regarding transfer instruments or access devices which may 
access  your  credit  lime.  We  reserve  the  right  to  amend  the  terms  of  this  Agreement  at  anytime  as  permitted  by  and  subject  to  any  limitations  and  notice 
requirements of applicable law. 

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VISA Classic Credit Card Account Agreement and Disclosure 

Rogue Credit Union 

YOUR BILLING RIGHTS – KEEP THIS NOTICE FOR FUTURE USE 
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 

What  To  Do  If  You  Find  A  Mistake  On  Your  Statement:  If  you  think  there  is  an  error  on  your  statement,  write  to  us  at:  Rogue  Credit  Union,  PO  Box  4550, 
Medford, OR 97501. 

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 Receive Your Letter: When we receive your letter, we must do two things: 
1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 
2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or 
not there has been an error: 
•  We cannot try to collect the amount in question or report you as delinquent on that amount. 
•  The charge in question may remain on your statement, and we may continue to charge you interest on that amount. 
•  While you do not have to pay the amount in question, you are responsible for the remainder of your balance. 
•  We can apply any unpaid amount against your credit limit. 
After we finish our investigation, one of two things will happen: 
•  If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. 
•  If  we  do  not  believe  there  was  a  mistake:  You  will  have  to  pay  the  amount  in  question,  along  with  applicable  interest  and  fees.  We  will  send  you  a 
statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. 

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling  us that you  still  refuse to pay. If  you do so, we cannot 
report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, 
and we must let those organizations know when the matter has been  settled between us. If we  do  not follow  all of the rules above, you do  not have to pay the 
first $50 of the amount you question even if your bill is correct. 

Your  Rights  If  You  Are  Dissatisfied  With  Your  Credit  Card  Purchases.  If  you  are  dissatisfied  with  the  goods  or  services  that  you  have  purchased  with  your 
credit  card,  and  you  have  tried  in  good  faith to  correct  the  problem with the  merchant,  you may  have the  right  not to  pay the  remaining  amount  due on the 
purchase. To use this right, all of the following must be true: 
1. The purchase must have been made  in your  home state or within  100 miles of your  current mailing  address,  and the purchase price must  have been more 
than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the 
goods or services.) 
2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account 
do not qualify. 
3. You must not yet have fully paid for the purchase. 

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the above address. 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. 

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Rogue Credit Union 
VISA Classic  Credit  Card Account  Disclosures 
VISA Card – Rates and Fees 

INTEREST RATES AND FINANCE CHARGES 

Annual Percentage Rate (APR) for Purchases, 
Cash Advances & Balance Transfers 

How to Avoid Paying Interest on Purchases 

For Credit Card Tips from the Consumer Financial Protection Bureau 

12.50% - 16.00 % 
Based on your creditworthiness and other factors as determined at 
the time of account opening. 
This APR will vary with the market based on the Prime Rate. 

Your due date is 25 days after the close of each billing cycle. We 
will  not  charge  any  interest  on  the  portion  of  the  purchases 
balance that you pay by the due date each month. 
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:  www.consumerfinance.gov/learnmore 

Annual Fee 
Transaction Fees 
-- Cash Advance Fee 
Penalty Fees 
-- Late Payment Fee 
-- Returned Check Charge 
-- Over--Limit Charge Fee 
Other Fees 
-- Foreign Transaction Fee 

FEES 

NONE 

NONE 

$25 
$25 
NONE 

Up to 1% of the US dollar amount of the foreign transaction. 

How We Will Calculate Your Balance: We use a method called “average daily balance” (including new purchases). 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. 

Your APR is based on the following: 

Index: 

Prime Rate 

Margin: 

9.00% - 12.50% 

Your Daily Periodic Rate is: 

   0.03425% - 0.04384% 

We reserve the right to amend the VISA Classic Credit Card Agreement as permitted by law. 

The above rates and fees are current as of: 

March 21, 2022 

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