purchases and cash advances. If the credit balance  27. NOTICE TO UTAH BORROWERS � This written agree- After we ?nish our investigation, one of two things will  WESTERRA CREDIT UNION 
      amount is $1.00 or more, it will be refunded upon your  ment is a ?nal expression of the agreement between you  happen: 
      written request or automatically after six (6) months.  and the Credit Union. This written agreement may not be  > If we made a mistake: You will not have to pay the  3700 East Alameda Avenue Denver, CO 80209  
                                      contradicted by evidence of any oral agreement.  amount in question or any interest or other fees related to  303-321-4209 � 800-858-7212  
    purchases and cash advances. If the credit balance  17. ADDITIONAL BENEFITS/CARD ENHANCEMENTS �  After we ?nish our investigation, one of two things will 
      purchases and cash advances. If the credit balance  27. NOTICE TO UTAH BORROWERS � This written agreement 27. NOTICE TO UTAH BORROWERS � This written agree- After we ?nish our investigation, one of two things will  Fax: 866-208-1597  WESTERRA CREDIT UNION
                                                                  happen: that amount.                                               WESTERRA CREDIT UNION 
    amount is $1.00 or more, it will be refunded upon your  amount is $1.00 or more, it will be refunded upon your  The Credit Union may from time to time offer additional    is a ?nal expression of the agreement between you ment is a ?nal expression of the agreement between you  happen:  www.westerracu.com 3700 East Alameda Avenue Denver, CO 80209
    written request or automatically after six (6) months. services to your account, such as travel accident insur- written request or automatically after six (6) months.    and the Credit Union. This written agreement may not   > If we made a mistake: You will not have to pay the  > If we do not believe there was a mistake: You will have to 
                                     28. THE FOLLOWING IS REQUIRED BY VERMONT LAW �  and the Credit Union. This written agreement may not be  > If we made a mistake: You will not have to pay the  3700 East Alameda Avenue Denver, CO 80209   303-321-4209 � 800-858-7212
      ance, at no additional cost to you. You understand that the    be contradicted by evidence of any oral agreement. pay the amount in question, along with applicable interest 
                                      contradicted by evidence of any oral agreement.       amount in question or any interest or other fees related  303-321-4209 � 800-858-7212   Fax: 866-208-1597
  17. ADDITIONAL BENEFITS/CARD ENHANCEMENTS �                          amount in question or any interest or other fees related to 
    17. ADDITIONAL BENEFITS/CARD ENHANCEMENTS �  NOTICE TO CO-SIGNER � YOUR SIGNATURE ON THIS 
      Credit Union is not obligated to offer such services and         and fees. We will send you a statement of the amount          LOANLINER 
                                                                       to that amount. 
    The Credit Union may from time to time offer addi-                 that amount.                                                  Fax: 866-208-1597  www.westerracu.com
      may withdraw or change them at any time.  The Credit Union may from time to time offer additional  28. THE FOLLOWING IS REQUIRED BY VERMONT LAW � NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR  you owe and the date payment is due. We may then 
    tional services to your account, such as travel accident        > If we do not believe there was a mistake: You will have        www.westerracu.com
      services to your account, such as travel accident insur-   NOTICE TO CO-SIGNER � YOUR SIGNATURE ON REPAYMENT OF THIS LOAN. IF THE BORROWER DOES  > If we do not believe there was a mistake: You will have to  report you as delinquent if you do not pay the amount we 
    insurance,at no additional cost to you. You understand  18. MERCHANT DISPUTES � The Credit Union is not  28. THE FOLLOWING IS REQUIRED BY VERMONT LAW �  NOT PAY,THE LENDER HAS A LEGAL RIGHT TO COL-      to pay the amount in question, along with applicable in 
      ance, at no additional cost to you. You understand that the    THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE think you owe.  pay the amount in question, along with applicable interest 
    that the Credit Union is not obligated to offer such ser- responsible for the refusal of any merchant or ?nancial in- LECT FROM YOU.  NOTICE TO CO-SIGNER � YOUR SIGNATURE ON THIS       terest and fees. We will send you a statement of the 
      Credit Union is not obligated to offer such services and         and fees. We will send you a statement of the amount          LOANLINER 
                                    FOR REPAYMENT OF THIS LOAN. IF THE BORROWER 
    vices and may withdraw or change them at any time. stitution to honor your card. The Credit Union is subject to  NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR       amount you owe and the date payment is due. We may  If you receive our explanation but still believe your bill is 
      may withdraw or change them at any time.                         you owe and the date payment is due. We may then 
                                    DOES NOT PAY,THE LENDER HAS A LEGAL RIGHT TO  29. NOTICE TO ALABAMA BORROWERS �  
      claims and defenses (other than tort claims) arising out of  REPAYMENT OF THIS LOAN. IF THE BORROWER DOES       then report you as delinquent if you do not pay the   wrong, you must write to us within 10 days telling us that you  report you as delinquent if you do not pay the amount we 
  18. MERCHANT DISPUTES � The Credit Union is not                                                                                    VISA CLASSIC AND VISA PLATINUM 
    18. MERCHANT DISPUTES � The Credit Union is not    COLLECT FROM YOU. NOT PAY,THE LENDER HAS A LEGAL RIGHT TO COL- CAUTION: IT IS IMPORTANT THAT YOU THOROUGHLY 
    responsible for the refusal of any merchant or financial  goods or services you purchase with the card if you have       amount we think you owe.  still refuse to pay. If you do so, we cannot report you as delin- think you owe. 
                                      READ THIS AGREEMENT BEFORE YOU SIGN IT.                                                        CONSUMER CREDIT CARD AGREEMENT 
      responsible for the refusal of any merchant or ?nancial in- LECT FROM YOU.  quent without also reporting that you are questioning your bill. 
    institution to honor your card. The Credit Union is sub  made a good faith attempt but have been unable to obtain  29. NOTICE TO ALABAMA BORROWERS � 
      stitution to honor your card. The Credit Union is subject to  If you receive our explanation but still believe your bill is  We must tell you the name of anyone to whom we reported  If you receive our explanation but still believe your bill is 
    ject to claims and defenses (other than tort claims)  satisfaction from the merchant or service provider, and (a)    CAUTION: IT IS IMPORTANT THAT YOU THOR-  29. NOTICE TO ALABAMA BORROWERS �  
      claims and defenses (other than tort claims) arising out of  wrong, you must write to us within 10 days telling us that  you as delinquent, and we must let those organizations know  wrong, you must write to us within 10 days telling us that you 
    arising out of goods or services you purchase with the  your purchase was made in response to an advertisement                   VISA CLASSIC AND VISA PLATINUM 
                                    OUGHLY READ THIS AGREEMENT BEFORE YOU  Your Billing Rights: Keep this Document for Future Use  CAUTION: IT IS IMPORTANT THAT YOU THOROUGHLY  you still refuse to pay. If you do so, we cannot report you as  VISA CLASSIC AND VISA PLATINUM 
                                                                     still refuse to pay. If you do so, we cannot report you as delin- In this Agreement, �Agreement� means this Consumer Credit 
    card if you have made a good faith attempt but have  goods or services you purchase with the card if you have  the Credit Union sent or participated in sending to you; or  when the matter has been settled between us. 
                                    SIGN IT. READ THIS AGREEMENT BEFORE YOU SIGN IT.                                                 Card Agreement. �Disclosure� means the Credit Card Ac- CONSUMER CREDIT CARD AGREEMENT 
                                    This notice tells you about your rights and our responsi- delinquent without also reporting that you are questioning  quent without also reporting that you are questioning your bill.  CONSUMER CREDIT CARD AGREEMENT
    been unable to obtain satisfaction from the merchant  made a good faith attempt but have been unable to obtain  (b) your purchase cost more than $50.00 and was made in 
                                    bilities under the Fair Credit Billing Act.  your bill. We must tell you the name of anyone to whom we  If we do not follow all of the rules above, you do not have to  count Opening Disclosure. The Account Opening Disclosure 
    or service provider, and (a) your purchase was made  your state or within 100 miles of your home.  satisfaction from the merchant or service provider, and (a)  We must tell you the name of anyone to whom we reported 
                                                                  reported you as delinquent, and we must let those organiza- pay the ?rst $50 of the amount you question even if your bill  you as delinquent, and we must let those organizations know  is incorporated into this Consumer Credit Card Agreement  In this Agreement, �Agreement� means this Consumer 
    in response to an advertisement the Credit Union sent  your purchase was made in response to an advertisement  Your Billing Rights: Keep this Document for Future Use  Your Billing Rights: Keep this Document for Future Use  What To Do If You Find A Mistake On Your Statement  tions know when the matter has been settled between us. is correct.  and is part of the Agreement. In this Agreement the words  In this Agreement, �Agreement� means this Consumer Credit 
    19. JOINT ACCOUNTS � If this is a joint account, each of                                                                         Credit Card Agreement. �Disclosure� means the Credit 
    or participated in sending to you; or (b) your purchase  the Credit Union sent or participated in sending to you; or  when the matter has been settled between us. 
                                  This notice tells you about your rights and our responsi- This notice tells you about your rights and our responsi- �you,� �your,� and �yours� mean each and all of those who  Card Agreement. �Disclosure� means the Credit Card Ac- Card Account Opening Disclosure. The Account Open-
    cost more than $50.00 and was made in your state or  (b) your purchase cost more than $50.00 and was made in  you will be individually and jointly responsible for paying  If you think there is an error on your statement, write to us at: If we do not follow all of the rules above, you do not have  Your Rights if You Are Dissatis?ed With Your Credit Card 
      all amounts owed under this Agreement. This means that  bilities under the Fair Credit Billing Act. bilities under the Fair Credit Billing Act.  If we do not follow all of the rules above, you do not have to  count Opening Disclosure. The Account Opening Disclosure  agree to be bound by this Agreement; �card� means the Visa  ing Disclosure is incorporated into this Consumer Credit 
    within 100 miles of your home. your state or within 100 miles of your home.   Westerra Credit Union   to pay the ?rst $50 of the amount you question even if your  pay the ?rst $50 of the amount you question even if your bill  Purchases 
                                                                                                                                     is incorporated into this Consumer Credit Card Agreement  Card Agreement and is part of the Agreement. In this 
      the Credit Union can require any one of you individually                                                                       credit card and any duplicates, renewals, or substitutions the 
                                  What To Do If You Find A Mistake On Your Statement What To Do If You Find A Mistake On Your Statement  3700 East Alameda Avenue   bill is correct.
  19. JOINT ACCOUNTS � If this is a joint account, each of 19. JOINT ACCOUNTS � If this is a joint account, each of  is correct.  If you are dissatis?ed with the goods or services that you  Credit Union issues to you; �account� means your Visa credit  and is part of the Agreement. In this Agreement the words  Agreement the words �you,� �your,� and �yours� mean 
      to repay the entire amount owed under this Agreement.  Denver, CO 80209                                                        each and all of those who agree to be bound by this 
    you will be individually and jointly responsible for pay  Each of you authorizes the other(s) to make purchases or  you will be individually and jointly responsible for paying  If you think there is an error on your statement, write to us at: have purchased with your credit card, and you have tried in 
                                    If you think there is an error on your statement, write to us at: Your Rights if You Are Dissatis?ed With Your Credit Card  Your Rights if You Are Dissatis?ed With Your Credit Card  �you,� �your,� and �yours� mean each and all of those who  card line-of-credit account with the Credit Union; and �Credit 
                                                                                                                                     Agreement; �card� means the Visa credit card and any 
    ing all amounts owed under this Agreement. This  all amounts owed under this Agreement. This means that  cash advances individually. Any one of you may terminate    You may also contact us on the Web: www.westerracu.com Westerra Credit Union  Purchases good faith to correct the problem with the merchant, you may  Purchases   Westerra Credit Union   Union� means the Credit Union whose name appears on this  agree to be bound by this Agreement; �card� means the Visa 
    means that the Credit Union can require any one of                                                                               duplicates, renewals, or substitutions the Credit Union 
      the Credit Union can require any one of you individually                                                                       credit card and any duplicates, renewals, or substitutions the 
      the account and the termination will be effective as to all    have the right not to pay the remaining amount due on the 
                                       3700 East Alameda Avenue   3700 East Alameda Avenue                                           Agreement or anyone to whom the Credit Union transfers this 
    you individually to repay the entire amount owed  In your letter, give us the following information:  If you are dissatis?ed with the goods or services that you 
      to repay the entire amount owed under this Agreement.          If you are dissatis?ed with the goods or services that you      Credit Union issues to you; �account� means your Visa credit  issues to you; �account� means your Visa credit card 
      of you.                          Denver, CO 80209  Denver, CO 80209 purchase. To use this right, all of the following must be true: 
                                                                  have purchased with your credit card, and you have tried           Agreement. 
    under this Agreement. Each of you authorizes the  Each of you authorizes the other(s) to make purchases or  > Account information: Your name and account number.  have purchased with your credit card, and you have tried in  card line-of-credit account with the Credit Union; and �Credit  line-of-credit account with the Credit Union; and �Credit 
    other(s) to make purchases or cash advances individu  20. EFFECT OF AGREEMENT � This Agreement is the  You may also contact us on the Web: www.westerracu.com in good faith to correct the problem with the merchant, you  good faith to correct the problem with the merchant, you may  1. The purchase must have been made in your home state 
      cash advances individually. Any one of you may terminate  You may also contact us on the Web: www.westerracu.com > Dollar amount: The dollar amount of the suspected error.  Union� means the Credit Union whose name appears on this  Union� means the Credit Union whose name appears  1. USING YOUR ACCOUNT � If you are approved for an 
    ally. Any one of you may terminate the account and the        may have the right not to pay the remaining amount due on 
      contract which applies to all transactions on your account  the account and the termination will be effective as to all  have the right not to pay the remaining amount due on the  or within 100 miles of your current mailing address, 
                                  In your letter, give us the following information:                                                 on this Agreement or anyone to whom the Credit Union  account, the Credit Union will establish a line of credit 
                                    In your letter, give us the following information:  > Description of problem: If you think there is an error on  Agreement or anyone to whom the Credit Union transfers this 
    termination will be effective as to all of you.               the purchase. To use this right, all of the following must be true:
      even though the sales, cash advances, credit or other          purchase. To use this right, all of the following must be true:  and the purchase price must have been more than $50. 
      of you.                      > Account information: Your name and account number.                                              Agreement.  transfers this Agreement. for you. You agree that your credit limit is the maximum 
                                      your bill, describe what you believe is wrong and why you 
      slips you sign or receive may contain different terms.           (Note: Neither of these are necessary if your purchase 
                                     > Account information: Your name and account number.                                              amount (purchases, cash advances, ?nance charges, plus 
  20. EFFECT OF AGREEMENT � This Agreement is the                  1. The purchase must have been made in your home state 
    20. EFFECT OF AGREEMENT � This Agreement is the  > Dollar amount: The dollar amount of the suspected error.  believe it is a mistake. You must contact us:  1. The purchase must have been made in your home state  was based on an advertisement we mailed to you, or  1. USING YOUR ACCOUNT � If you are approved for an 1. USING YOUR ACCOUNT � If you are approved for an  �other charges�) which you will have outstanding on your 
    contract which applies to all transactions on your  21. NO WAIVER � The Credit Union can delay enforcing any  > Dollar amount: The dollar amount of the suspected error.     or within 100 miles of your current mailing address, and
      contract which applies to all transactions on your account  > Description of problem: If you think there is an error  > Within 60 days after the error appeared on your state- or within 100 miles of your current mailing address,  if we own the company that sold you the goods or    account, the Credit Union will establish a line of credit account at any time. Unless disclosed otherwise, the  account, the Credit Union will establish a line of credit 
                                                                      the purchase price must have been more than $50. (Note:    account even though the sales, cash advances, credit  of its rights any number of times without losing them.     on your bill, describe what you believe is wrong and  > Description of problem: If you think there is an error on 
      even though the sales, cash advances, credit or other  ment.     and the purchase price must have been more than $50.  services.)    for you. You agree that your credit limit is the maxi for you. You agree that your credit limit is the maximum  Credit Union will not allow advances over the credit limit. 
    or other slips you sign or receive may contain different  your bill, describe what you believe is wrong and why you     Neither of these are necessary if your purchase was 
      slips you sign or receive may contain different terms.     why you believe it is a mistake. You must contact us:  > At least 3 business days before an automated payment  2. You must have used your credit card for the purchase.  (Note: Neither of these are necessary if your purchase    mum amount (purchases, cash advances, ?nance amount (purchases, cash advances, ?nance charges, plus 
    terms. 22.STATEMENTS AND NOTICES � Statements and notices                                                                          If the Credit Union has a program whereby it allows pay-
                                      believe it is a mistake. You must contact us:     based on an advertisement we mailed to you, or if we
      will be mailed to you at the appropriate address you have  > Within 60 days after the error appeared on your statement.  is scheduled, if you want to stop payment on the amount  Purchases made with cash advances from an ATM or  was based on an advertisement we mailed to you, or    charges, plus �other charges�) which you will have �other charges�) which you will have outstanding on your  ment of advances that exceed your credit limit, subject 
    21. NO WAIVER � The Credit Union can delay enforcing any 
  21. NO WAIVER � The Credit Union can delay enforcing > Within 60 days after the error appeared on your state-    own the company that sold you the goods or services.)
                                   > At least 3 business days before an automated pay  you think is wrong. You must notify us of any potential  if we own the company that sold you the goods or  with a check that accesses your credit card account do    outstanding on your account at any time. Unless dis-
      given the Credit Union. Notice sent to any one of you will                                                                       account at any time. Unless disclosed otherwise, the  to a fee, the Credit Union will provide you with notice, 
      of its rights any number of times without losing them. 
    any of its rights any number of times without losing them. ment.  2. You must have used your credit card for the purchase. services.)    closed otherwise, the Credit Union will not allow
      be considered notice to all.     ment is scheduled, if you want to stop payment on the errors in writing [or electronically]. You may call us, but if  not qualify.  Credit Union will not allow advances over the credit limit.  either orally, in writing, or electronically (notwithstanding 
    22.STATEMENTS AND NOTICES � Statements and notices  > At least 3 business days before an automated payment  you do we are not required to investigate any potential     Purchases made with cash advances from an ATM or    advances over the credit limit. If the Credit Union has a 
                                       amount you think is wrong. You must notify us of any 2. You must have used your credit card for the purchase.  3. You must not yet have fully paid for the purchase. If all  If the Credit Union has a program whereby it allows pay- the requirements of the paragraph entitled �Statements  22. STATEMENTS AND NOTICES � Statements 23. SEVERABILITY AND FINAL EXPRESSION � This  will be mailed to you at the appropriate address you have  is scheduled, if you want to stop payment on the amount     with a check that accesses your credit card account do  Purchases made with cash advances from an ATM or    program whereby it allows payment of advances that 
                                       potential errors in writing [or electronically]. You may errors and you may have to pay the amount in question. 
    and notices will be mailed to you at the appropriate               of the criteria above are met and you are still dissatis?ed     ment of advances that exceed your credit limit, subject 
                                                                                                                                       and Notices�) explaining your right to opt in to the Credit 
      Agreement and the Disclosure are the ?nal expression  given the Credit Union. Notice sent to any one of you will  you think is wrong. You must notify us of any potential     not qualify. with a check that accesses your credit card account do    exceed your credit limit, subject to a fee, the Credit Union 
                                                                       with the purchase, contact us in writing [or electronical-      Union�s program whereby it will honor advance requests  to a fee, the Credit Union will provide you with notice, 
    address you have given the Credit Union. Notice sent       call us, but if you do we are not required to investi
      be considered notice to all.  of the terms and conditions of your account. This written  What Will Happen After We Receive Your Letter errors in writing [or electronically]. You may call us, but if  3. You must not yet have fully paid for the purchase. If all  ly] at: Westerra Credit Union 3700 East Alameda Avenue  not qualify.    will provide you with notice, either orally, in writing, or 
                                                                                                                                       either orally, in writing, or electronically (notwithstanding 
    to any one of you will be considered notice to all.       gate any potential errors and you may have to pay the                    electronically (notwithstanding the requirements of over the credit limit. In the event you opt in to such a pro-
      Agreement and Disclosure may not be contradicted by  you do we are not required to investigate any potential     of the criteria above are met and you are still dissatis?ed  3. You must not yet have fully paid for the purchase. If all 
    23. SEVERABILITY AND FINAL EXPRESSION � This                       Denver, CO 80209 www.westerracu.com                             gram, you agree to the terms of such a program. You may  the requirements of the paragraph entitled �Statements 
  23. SEVERABILITY AND FINAL EXPRESSION � This evidence of any alleged oral agreement. Should any part     amount in question.  When we receive your letter, we must do two things:    the paragraph entitled �Statements and Notices�)
                                      errors and you may have to pay the amount in question.     with the purchase, contact us in writing [or electronically] of the criteria above are met and you are still dissatis?ed  request an increase in your credit limit only by a method  and Notices�) explaining your right to opt in to the Credit 
    Agreement and the Disclosure are the final expression  Agreement and the Disclosure are the ?nal expression  of this Agreement or the Disclosure be found to be invalid  What Will Happen After We Receive Your Letter 1. Within 30 days of receiving your letter, we must tell you  While we investigate, the same rules apply to the disputed    explaining your right to opt in to the Credit Union�s
                                                                       with the purchase, contact us in writing [or electronical-
      of the terms and conditions of your account. This written       at: Westerra Credit Union 3700 East Alameda Avenue               Union�s program whereby it will honor advance requests 
                                                                                                                                       over the credit limit. In the event you opt in to such a  acceptable to the Credit Union. The Credit Union may 
    of the terms and conditions of your account. This writ  or unenforceable, all other parts of this Agreement and  What Will Happen After We Receive Your Letter that we received your letter. We will also tell you if we  amount as discussed above. After we ?nish our investigation, 
      Agreement and Disclosure may not be contradicted by  When we receive your letter, we must do two things:    Denver, CO 80209 www.westerracu.com ly] at: Westerra Credit Union 3700 East Alameda Avenue    program, you agree to the terms of such a program. You increase or decrease your credit limit, refuse to make an  over the credit limit. In the event you opt in to such a pro-
    ten Agreement and Disclosure may not be contradicted  Disclosure shall remain in effect and fully enforceable to  have already corrected the error.  we will tell you our decision. At that point, if we think you  Denver, CO 80209 www.westerracu.com  gram, you agree to the terms of such a program. You may 
    by evidence of any alleged oral agreement. Should any  the fullest extent possible under this Agreement.  evidence of any alleged oral agreement. Should any part    1. Within 30 days of receiving your letter, we must tell   When we receive your letter, we must do two things:    may request an increase in your credit limit only by a  advance and/or terminate your account at any time for 
                                      2. Within 90 days of receiving your letter, we must either  While we investigate, the same rules apply to the disputed owe an amount and you do not pay, we may report you as  request an increase in your credit limit only by a method 
    part of this Agreement or the Disclosure be found to be  of this Agreement or the Disclosure be found to be invalid       you that we received your letter. We will also tell you  1. Within 30 days of receiving your letter, we must tell you  While we investigate, the same rules apply to the disputed    method acceptable to the Credit Union. The Credit Union  any reason not prohibited by law. If you are permitted 
                                       correct the error or explain why we believe the bill was  amount as discussed above. After we ?nish our investiga- delinquent. 
    24. COPY RECEIVED � You acknowledge that you have       if we have already corrected the error.                                    may increase or decrease your credit limit, refuse to make  acceptable to the Credit Union. The Credit Union may 
    invalid or unenforceable, all other parts of this Agreement or unenforceable, all other parts of this Agreement and  correct.  that we received your letter. We will also tell you if we  amount as discussed above. After we ?nish our investigation,  to obtain cash advances on your account, we may, from 
                                                                  tion, we will tell you our decision. At that point, if we think      an advance and/or terminate your account at any time increase or decrease your credit limit, refuse to make an 
    and Disclosure shall remain in effect and fully enforce  Disclosure shall remain in effect and fully enforceable to  received a copy of this Agreement and Disclosure.    2. Within 90 days of receiving your letter, we must  have already corrected the error.  SPECIAL RULE FOR CREDIT CARD PURCHASES � If you  time to time, issue convenience checks to you that may 
                                                                  you owe an amount and you do not pay, we may report you  we will tell you our decision. At that point, if we think you 
                                                                                                                                       for any reason not prohibited by law. If you are permit  advance and/or terminate your account at any time for 
    able to the fullest extent possible under this Agreement. the fullest extent possible under this Agreement.  While we investigate whether or not there has been an  owe an amount and you do not pay, we may report you as  have a problem with the quality of property or services that 
    25. GAMBLING TRANSACTIONS PROHIBITED � You may       either correct the error or explain why we believe the  2. Within 90 days of receiving your letter, we must either  be drawn on your account. Convenience checks may not 
                                                                  as delinquent.
                                    error:                           you purchased with a credit card and you have tried in good  delinquent.    ted to obtain cash advances on your account, we may,  be used to make a payment on your account balance. If  any reason not prohibited by law. If you are permitted 
  24. COPY RECEIVED � You acknowledge that you have 24. COPY RECEIVED � You acknowledge that you have  not use your card to initiate any type of gambling transac-      bill was correct.  correct the error or explain why we believe the bill was 
                                                                     faith to correct the problem with the merchant, you may have      from time to time, issue convenience checks to you that 
                                                                  SPECIAL RULE FOR CREDIT CARD PURCHASES � If you                      you use a convenience check, it will be posted to your  to obtain cash advances on your account, we may, from 
    received a copy of this Agreement and Disclosure. received a copy of this Agreement and Disclosure.  tion.  > We cannot try to collect the amount in question, or report  correct. 
                                  While we investigate whether or not there has been an error:  SPECIAL RULE FOR CREDIT CARD PURCHASES � If you    may be drawn on your account. Convenience checks may 
                                                                     the right not to pay the remaining amount due on the property     account as a cash advance. We reserve the right to refuse  time to time, issue convenience checks to you that may 
                                      you as delinquent on that amount.  have a problem with the quality of property or services that 
                                                                                                                                       not be used to make a payment on your account balance. 
  25. GAMBLING TRANSACTIONS PROHIBITED � You may 25. GAMBLING TRANSACTIONS PROHIBITED � You may  26. PENALTY RATE DISCLOSURES � If applicable to your    > We cannot try to collect the amount in question, or While we investigate whether or not there has been an  have a problem with the quality of property or services that  be drawn on your account. Convenience checks may not 
                                     > The charge in question may remain on your statement,  you purchased with a credit card and you have tried in good  or services. There are two (2) limitations on this right:  to pay a convenience check drawn on your account for 
                                                                                                                                       If you use a convenience check, it will be posted to your 
    not use your card to initiate any type of gambling  account, all rates for your account, including the rates  not use your card to initiate any type of gambling transac-      report you as delinquent on that amount.  error:  you purchased with a credit card and you have tried in good  be used to make a payment on your account balance. If 
                                      and we may continue to charge you interest on that  faith to correct the problem with the merchant, you may  > You must have made the purchase in your home state or,  any reason and such refusal shall not constitute wrongful 
                                                                                                                                       account as a cash advance. We reserve the right to refuse 
    transaction. for purchases, cash advances, and balance transfers, will  faith to correct the problem with the merchant, you may have  you use a convenience check, it will be posted to your 
      tion.                         > The charge in question may remain on your state  > We cannot try to collect the amount in question, or report  amount.  have the right not to pay the remaining amount due on the  if not within your home state, within 100 miles of your  dishonor. You may request that we stop the payment of 
                                                                                                                                       to pay a convenience check drawn on your account for 
      increase to the Penalty Rate shown on the Disclosure ac-       the right not to pay the remaining amount due on the property 
                                       ment, and we may continue to charge you interest on  you as delinquent on that amount.          account as a cash advance. We reserve the right to refuse 
                                                                       current mailing address; and                                    a convenience check drawn on your account. You agree 
  26. PENALTY RATE DISCLOSURES � If applicable to your 26. PENALTY RATE DISCLOSURES � If applicable to your  > While you do not have to pay the amount in question, you  property or services. There are two (2) limitations on this    any reason and such refusal shall not constitute wrongful 
      companying this Agreement when you meet one or more            or services. There are two (2) limitations on this right:         to pay any fee imposed to stop a payment on a conve- to pay a convenience check drawn on your account for 
    account, all rates for your account, including the rates       that amount.  > The charge in question may remain on your statement,  > The purchase price must have been more than $50.00. 
      account, all rates for your account, including the rates  are responsible for the remainder of your balance.  right: WESTERRA CREDIT UNION WESTERRA CREDIT UNION   dishonor. You may request that we stop the payment of a 
      of the conditions as set forth in the Disclosure. Any rate      > You must have made the purchase in your home state or,         any reason and such refusal shall not constitute wrongful 
    for purchases, cash advances, and balance transfers,    > While you do not have to pay the amount in question,  and we may continue to charge you interest on that  > You must have made the purchase in your home state    convenience check drawn on your account. You agree to  nience check issued on your account. You may make a 
      increases applied to your account are subject to applicable  for purchases, cash advances, and balance transfers, will  > We can apply any unpaid amount against your credit limit.  These limitations do not apply if we own or operate the mer- if not within your home state, within 100 miles of your  3700 East Alameda Avenue � Denver, CO 80209 3700 East Alameda Avenue � Denver, CO 80209 dishonor. You may request that we stop the payment of 
    will increase to the Penalty Rate shown on the       you are responsible for the remainder of your  amount.                        pay any fee imposed to stop a payment on a convenience  stop payment request orally, if permitted, or in writing. 
      notice requirements. Please refer to the Disclosure for  increase to the Penalty Rate shown on the Disclosure ac-    or, if not within your home state, within 100 miles of chant, or if we mailed you the advertisement for the property  current mailing address; and  303-321-4209 � 800-858-7212 � Fax: 866-208-1597  303-321-4209 � 800-858-7212 � Fax: 866-208-1597 a convenience check drawn on your account. You agree 
    Disclosure accompanying this Agreement when you  > While you do not have to pay the amount in question, you                        check issued on your account. You may make a stop pay  Your request must be made with suf?cient time in 
      additional information regarding the Penalty Rate.  companying this Agreement when you meet one or more       balance.     your current mailing address; and or services. 
    meet one or more of the conditions as set forth in the            > The purchase price must have been more than $50.00.  www.westerracu.com   ment request orally, if permitted, or in writing. Your  to pay any fee imposed to stop a payment on a conve- advance of the presentment of the check for payment to 
      of the conditions as set forth in the Disclosure. Any rate    > We can apply any unpaid amount against your credit  are responsible for the remainder of your balance.  WESTERRA CREDIT UNION www.westerracu.com
                                                                      > The purchase price must have been more than $50.00. 
    Disclosure. Any rate increases applied to your account                                                                             request must be made with suf?cient time in advance  nience check issued on your account. You may make a  give us a reasonable opportunity to act on your request. 
      increases applied to your account are subject to applicable       limit. > We can apply any unpaid amount against your credit limit.  These limitations do not apply if we own or operate the mer- 3700 East Alameda Avenue � Denver, CO 80209 stop payment request orally, if permitted, or in writing. 
    are subject to applicable notice requirements. Please         These limitations do not apply if we own or operate the              of the presentment of the check for payment to give us a 
      notice requirements. Please refer to the Disclosure for        chant, or if we mailed you the advertisement for the property  I003206   303-321-4209 � 800-858-7212 � Fax: 8608-1597
    refer to the Disclosure for additional information            merchant, or if we mailed you the advertisement for the  I003206   11/2010 7/1/2010   reasonable opportunity to act on your request. Your request must be made with suf?cient time in 
      additional information regarding the Penalty Rate.             or services. 
    regarding the Penalty Rate.                                   property or services                         www.westerracu.com               advance of the presentment of the check for payment to 
                                                                                                                                       give us a reasonable opportunity to act on your request. 
     In addition, your request must accurately describe  failing to make a payment by the payment due date is  processing date may differ from the rate that would  payment is 2.00% of your total new balance, or $25.00,  12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN
     the check including the exact account number, the payee,  also disclosed on the Disclosure. Any rate change  have been used on the purchase date or cardholder  whichever is greater, plus the amount of any prior  CARD NOTIFICATION � You agree to notify us im-
     any check number that may be applicable, and the  will be made pursuant to applicable law. If the rate  statement posting date. A fee (?nance charge), calcu- minimum payments that you have not made, and any  mediately, orally or in writing, at 3700 East Alameda 
     exact amount of the check. If permitted, you may make  for your account is variable, as indicated on the accom- lated in U.S. dollars, will be imposed on all multiple  amount you are over your credit limit. In addition to  Avenue, Denver, CO 80209 or telephone (303) 321-4209 
     a stop payment request orally but such a request will  panying Disclosure, the rate charged on purchases,  currency foreign transactions, including purchases,  the minimum payment, you must also pay, by the date  seven (7) days a week, 24 hours a day or (800) 858-7212 
     expire after 14 days unless you con?rm your request in  cash advances, balance transfers and any penalty rate  cash advances and credits to your account. A fee  speci?ed above, the amount of any prior minimum  seven (7) days a week, 24 hours a day, of the loss, 
     writing within that time. Written stop payment orders  will vary periodically as disclosed in the Disclosure  (?nance charge), calculated in U.S. dollars, will be  payment(s) that you have not made, all outstanding  theft, or unauthorized use of your credit card. You may 
     are effective only for six (6) months and may be renewed  accompanying this Agreement. The initial rate on your  imposed on all single currency foreign transactions,  unpaid fees and charges, and any amount you are over  be liable for the unauthorized use of your credit card. 
     for additional six month periods by requesting in  account for certain types of transactions may be an  including purchases, cash advances and credits to your  your credit limit. The Credit Union also has the right to  You will not be liable for unauthorized use that occurs 
     writing that the stop payment order be renewed. We  introductory discounted rate (Introductory Rate) that is  account. A foreign transaction is any transaction that  demand immediate payment of any amount by which  after you notify us of the loss, theft, or possible unau-
     are not required to notify you when a stop payment  lower than the rate that would ordinarily apply for that  you complete or a merchant completes on your card  you are over your credit limit. thorized use. You will have no liability for unauthorized 
     order expires. If we re-credit your account after paying  type of transaction. If an Introductory Rate applies to  outside of the United States, with the exception of U.S.  purchases made with your credit card, unless you are 
                                                                                                      9. PAYMENT ALLOCATION � Subject to applicable
     a check or draft over a valid and timely stop payment  your account, the rates and the period of time it will be  military bases, U.S. territories, U.S. embassies or U.S.  grossly negligent in the handling of your card. In any 
                                                                                                       law, your payments may be applied to what you owe 
     order, you agree to sign a statement describing the  effective is shown on the Disclosure accompanying consulates. The Foreign Transaction Fee is set forth on  case, your liability will not exceed $50.00.
                                                                                                       the Credit Union in any manner the Credit Union 
     dispute with the payee, to assign to us all of your rights  this Agreement. After the Introductory Rate period  the Disclosure accompanying this Agreement.
                                                                                                       chooses. However, in every case, in the event you 
     against the payee or other holders of the check or  expires, the periodic rate will automatically increase                       13. CHANGING OR TERMINATING YOUR ACCOUNT �
                                                                     7. FEES � In addition to the periodic rate, the following make a payment in excess of the required minimum 
     draft and to assist us in any legal action. You agree to  to the rates that would ordinarily apply for that type of                 As permitted by law, the Credit Union may change 
                                                                       additional fees may be imposed on your account.  periodic payment, the Credit Union will allocate the 
     indemnify and hold us harmless from all costs and ex- transaction based on the terms of this Agreement.                            the terms of this Agreement and any attached Disclosure 
                                                                       If applicable to your account, the fee amounts and  excess amount ?rst to the balance with the highest 
     penses, including attorney�s fees, damages, or claims,                                                                             from time to time. Notice of any change will be given 
                                    5. FINANCE CHARGES � New purchases posted to your explanations are disclosed on the Disclosure ac- annual percentage rate and any remaining portion to 
     related to our honoring your stop payment request                                                                                  in accordance with applicable law. If permitted by law 
                                      account during a billing cycle will not incur a ?nance  companying this Agreement. Your account may  the other balances in descending order based on ap-
     or in failing to stop payment of an item as a result of                                                                            and speci?ed in the notice to you, the change will apply 
                                      charge for that billing cycle. Finance charge begins to  also be subject to additional fees as set forth on the  plicable annual percentage rate.
     incorrect information provided to us or the giving of                                                                              to your existing account balance as well as to future 
                                      accrue on those purchases from the ?rst day of the   Disclosure accompanying this Agreement.  inadequate time to act upon a stop payment request. transactions. 
                                                                                                      10. SECURITY INTEREST � You grant the Credit Union
                                      next billing cycle, unless you paid the entire new a. Card Replacement Fee. If your account is subject  a security interest under the Uniform Commercial 
   2. USING YOUR CARD � You understand that the use   balance on the previous cycle�s billing statement                                 Either you or the Credit Union may terminate this Agree-
                                                                       to the Card Replacement Fee, a fee will be added to Code and under any common law rights the Credit 
     of your credit card will constitute acknowledgement    by the payment due date of that statement. To avoid                         ment at any time, but termination by you or the Credit 
                                                                       your account for each replacement card that is is Union may have in any goods you purchase. If you 
     of receipt and agreement to the terms of the Credit    an additional ?nance charge on the balance of pur                           Union will not affect your obligation to pay the account 
                                                                       sued to you for any reason.     give the Credit Union a speci?c pledge of shares by 
     Card Agreement and Credit Card Account Opening    chases, you must pay the entire new balance on the                               balance plus any ?nance and other charges you owe 
                                                                                                       signing a separate pledge of shares, your pledged 
     Disclosure (Disclosure). You may use your card to    billing statement by the payment due date of that b. Cash Advance Fee (Finance Charge). If your  under this Agreement. Your obligation to pay the account 
                                                                                                       shares will secure your account. You may not with-
     make purchases from merchants and others who ac-   statement. A ?nance charge begins to accrue on cash  account is subject to a Cash Advance Fee (?nance  balance plus any ?nance and other charges you owe 
                                                                                                       draw amounts that have been speci?cally pledged to 
     cept your card. The Credit Union is not responsible for    advances from the date you get the cash advance or charge), the fee will be added to your account when  under this agreement are subject to all applicable laws 
                                                                                                       secure your account until the Credit Union agrees to 
     the refusal of any merchant or ?nancial institution to    from the ?rst day of the billing cycle in which the cash  you obtain a cash advance from an ATM, the Credit  and regulations regarding repayment requirements. You 
                                                                                                       release all or part of the pledged amount.
     honor your card. If you wish to pay for goods or ser-   advance is posted to your account, whichever is later. Union or other ?nancial institution. are also responsible for all transactions made to your 
     vices over the Internet, you may be required to provide                                                                            account after termination, unless the transactions were 
                                                                       c. Foreign Transaction Fee (Finance Charge). If  Your Account is secured by all other shares you have 
     card number security information before you will be  The ?nance charge is calculated separately for                                unauthorized. The card or cards you receive remain the 
                                                                                                       in any individual or joint account with the Credit 
     permitted to complete the transaction. In addition, you  purchases and cash advances. For purchases, the  your account is subject to a Foreign Transaction Fee  property of the Credit Union and you must recover and 
                                                                                                       Union, except for shares in an Individual Retirement 
     may obtain cash advances from the Credit Union, from  ?nance charge is computed by applying the periodic  (?nance charge), a fee may be added to your account  surrender to the Credit Union all cards upon request or 
                                                                                                       Account or in any other account that would lose 
     other ?nancial institutions that accept your card, and  rate to the average daily balance of purchases. To get  for transactions made outside of the United States or  upon termination of this Agreement whether by you or 
                                                                       in a foreign currency. Transactions made in a foreign  special tax treatment under state or federal law if 
     from some automated teller machines (ATMs). (Not all  the average daily balance of purchases, we take the                          the Credit Union. If this is a joint account, the paragraph 
                                      beginning outstanding balance of purchases each  currency using a Visa branded card or processed by a  given as security. These other shares may be with-
     ATMs accept your card.) If the Credit Union authorizes                                                                             on JOINT ACCOUNTS of this Agreement also applies to 
                                                                                                       drawn unless you are in default under this agree-
     ATM transactions with your card, it will issue you a  day and subtract any payments and/or credits that  network operated or af?liated with Visa will be subject  termination of the account.
                                                                                                       ment.You authorize the Credit Union to apply the 
     personal identi?cation number (PIN). To obtain cash  we apply to the purchase balance. (We do not add in  to a fee as set forth on the Disclosure accompanying 
                                                                                                       balance in your individual or joint share accounts to  14. CHANGING OR TERMINATING AUTHORIZED USERS �
     advances from an ATM, you must use the PIN issued  any purchases posted during the billing cycle.) This  this Agreement.
                                                                                                       pay any amounts due on your Account if you Upon your request, we may issue additional cards for 
     to you for use with your card. You agree that you will  gives us the daily balance of purchases.Then, we add  d. Late Payment Fee. If your account is subject to a 
                                                                                                       should default.                  authorized users that you designate. You must notify 
     not use your card for any transaction that is illegal  all the daily balances of purchases for the billing cycle  Late Payment Fee, the fee will be added to your ac- us in writing of any termination of an authorized user�s 
     under applicable federal, state, or local law. Even if  together and divide the total by the number of days  count when you do not make the required minimum  Collateral securing other loans you have with the  right to access your account. Your letter must include the 
     you use your card for an illegal transaction, you will  in the billing cycle. This gives us the average daily  payment by or within the number of days of the state- Credit Union may also secure this loan, except that a  name of the authorized user and your account number 
     be responsible for all amounts and charges incurred in  balance of purchases. For cash advances, the ?nance  ment Payment Due Date set forth on the Disclosure  dwelling will never be considered as security for this  and/or any subaccount number issued to the authorized 
     connection with the transaction. If you are permitted to  charge is computed by applying the periodic rate to  accompanying this Agreement. account, notwithstanding anything to the contrary in  user along with the authorized user�s card and any con-
     obtain cash advances on your account, you may also  the average daily balance of cash advances. To get 
                                                                       e. Returned Payment Fee. If your account is subject to  any other agreement. venience or other access checks issued to the authorized 
     use your card to purchase instruments and engage in  the average daily balance of cash advances, we take 
                                                                       a Returned Payment Fee, the fee will be added to your            user. If you cannot return the authorized user�s card or 
     transactions that we consider the equivalent of cash.  the beginning outstanding balance of cash advances  11. DEFAULT � You will be in default if you fail to
                                                                       account when a payment is returned to you for any                access checks and if you request your account to be 
     Such transactions will be posted to your account as  each day, add in any new cash advances, and subtract  make any minimum payment or other required 
                                                                       reason.                                                          closed, we will close your account and you may apply for 
     cash advances and include, but are not limited to,  any payments and/or credits that we apply to the cash  payment by the date that it is due. You will be in  a new account.
     wire transfers, money orders, bets, lottery tickets, and  advance balance. This gives us the daily balance of  f. Rush Fee. If your account is subject to a Rush Fee,  default if you break any promise you make under 
     casino gaming chips. This paragraph shall not be in- cash advances. Then, we add all the daily balances  except as limited by applicable law, a fee may be added  this Agreement. You will be in default if you die, ?le  15. CREDIT REVIEW AND RELEASE OF INFORMATION �
     terpreted as permitting or authorizing any transaction  of cash advances for the billing cycle together and  to your account for each rush card that you request,  for bankruptcy or become insolvent, that is, unable  You authorize the Credit Union to investigate your credit 
     that is illegal.                 divide the total by the number of days in the billing  providing delivery of the card is also available by stan- to pay your obligations when they become due. You  standing when opening or reviewing your account. 
                                      cycle. This gives us the average daily balance of cash  dard mail service, without paying a fee for delivery. will be in default if you make any false or misleading  You authorize the Credit Union to disclose information 
   3. PROMISE TO PAY � You promise to pay all charges advances. Balance transfers are calculated in the  statements in any credit application or credit update.  regarding your account to credit bureaus and creditors 
     (purchases, cash advances, balance transfers, use of  same manner as cash advances. 8. PAYMENTS � Each month you must pay at least the You will also be in default if something happens that  who inquire about your credit standing. If your account 
     convenience checks or any other charge) made to your              minimum payment shown on your statement by the  the Credit Union believes may substantially reduce  is eligible for emergency cash and/or emergency card 
     account by you or anyone you authorize to use your ac- 6. FOREIGN TRANSACTIONS � Purchases and cash date speci?ed on the statement. You may pay more  your ability to repay what you owe.  replacement services, and you request such services, you 
     count. You also promise to pay all ?nance charges and    advances made in foreign currencies will be debited frequently, pay more than the minimum payment or  agree that we may provide personal information about 
     other charges added to your account under the terms of    from your account in U.S. dollars. The exchange rate pay the total new balance in full. If you make extra or  When you are in default, the Credit Union has the  you and your account that is necessary to provide you 
     this Agreement or another agreement you made with    between the transaction currency and the billing larger payments, you are still required to make at least  right to demand immediate payment of your full ac- with the requested service(s).
     the Credit Union. If this is a joint account, the paragraph    currency used for processing international transac the minimum payment each month your account has  count balance without giving you notice. If immediate 
     on JOINT ACCOUNTS also applies to your account.   tions is a rate selected by Visa from a range of rates  a balance (other than a credit balance). For our Visa  payment is demanded, you agree to continue paying  16. RETURNS AND ADJUSTMENTS � Merchants and
                                      available in wholesale currency markets for the ap  Classic, the minimum payment is 2.00% of your total  ?nance charges at the periodic rate charged before  others who honor your card may give credit for returns or 
   4. PERIODIC RATES � The periodic rates applicable to   plicable central processing date, which rate may vary  new balance, or $25.00, whichever is greater, plus the  default, until what you owe has been paid, and any  adjustments, and they will do so by sending the Credit 
     purchases, cash advances, and balance transfers are    from the rate Visa itself receives or the government- amount of any prior minimum payments that you have  shares that were given as security for your account  Union a credit which will be posted to your account. If 
     disclosed on the Disclosure that accompanies this    mandated rate in effect for the applicable central pro not made, and any amount you are over your credit  may be applied towards what you owe. your credits and payments exceed what you owe the 
     Agreement. Any penalty rate that may be imposed for   cessing date. The exchange rate used on the limit. For our Visa Platinum, the minimum Credit Union, the amount will be applied against future