CLASSIC MASTERCARD/VISA PLATINUM/
VISA CLASSIC/GOLD MASTERCARD
CONSUMER CREDIT CARD AGREEMENT

In  this  Agreement,  “Agreement”  means  this  Consumer  Credit  Card  Agreement.  “Disclosure”  means  the  Credit  Card 
Account Opening Disclosure. The Account Opening Disclosure is incorporated into this Consumer Credit Card Agreement 
and  is  part  of  the  Agreement.  In  this  Agreement  the  words  "you,"  “your,”  and  "yours"  mean  each  and  all  of  those  who 
agree  to  be  bound  by  this  Agreement;  "card"  means  the  MasterCard/Visa  credit  card  and  any  duplicates,  renewals,  or 
substitutions the Credit Union issues to you; "account" means your MasterCard/Visa credit card line-of-credit account with 
the Credit Union; and "Credit Union" means the Credit Union whose name appears on this Agreement or anyone to whom 
the Credit Union transfers this Agreement. 
1.  USING YOUR ACCOUNT — If you are approved for an account, the Credit Union will establish a line of credit for you. 
You  agree  that  your  credit  limit  is  the  maximum  amount  (purchases,  cash  advances,  finance  charges,  plus  "other 
charges") which you will have outstanding on your account at any time. Unless disclosed otherwise, the Credit Union will 
not allow advances over the credit limit. If the Credit Union has a program whereby it allows payment of advances that 
exceed  your  credit  limit,  subject  to  a  fee,  the  Credit  Union  will  provide  you  with  notice,  either  orally,  in  writing,  or 
electronically (notwithstanding the requirements of the paragraph entitled “Statements and Notices”) explaining your right 
to opt in to the Credit Union’s program whereby it will honor advance requests over the credit limit. In the event you opt in 
to such a program, you agree to the terms of such a program. You may request an increase in your credit limit only by a 
method acceptable to the Credit Union. The Credit Union may increase or decrease your credit limit, refuse to make an 
advance and/or  terminate your  account  at  any  time  for  any  reason  not prohibited  by  law.  If you  are  permitted  to  obtain 
cash advances on your account, we may, from time to time, issue convenience checks to you that may be drawn on your 
account. Convenience checks may not be used to make a payment on your account balance. If you use a convenience 
check, it will be posted to your account as a cash advance. We reserve the right to refuse to pay a convenience check 
drawn on your account for any reason and such refusal shall not constitute wrongful dishonor. 
You may request that we stop the payment of a convenience check drawn on your account. You agree to pay any fee 
imposed  to  stop  a  payment  on  a  convenience  check  issued  on  your  account.  You  may  make  a  stop  payment  request 
orally,  if  permitted,  or  in  writing.  Your  request  must  be  made  with  sufficient  time  in  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 the check including the exact account number, the  payee, any check number that may be applicable, and the 
exact amount of the check. If permitted, you may make a stop payment request orally but such a request will expire after 
14 days unless you confirm your request in writing within that time. Written stop payment orders are effective only for six 
(6) months and may be renewed for additional six month periods by requesting in writing that the stop payment order be 
renewed. We are not required to notify you when a stop payment order expires. If we re-credit your account after paying a 
check or draft over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the 
payee, to assign to us all of your rights against the payee or other holders of the check or draft and to assist us in any 
legal  action.  You  agree  to  indemnify  and  hold  us  harmless  from  all  costs  and  expenses,  including  attorney's  fees, 
damages, or claims, related to our honoring your stop payment request or in failing to stop payment of an item as a result 
of incorrect information provided to us or the giving of inadequate time to act upon a stop payment request.  
2.  USING  YOUR  CARD  —  You  understand  that  the  use  of  your  credit  card  or  credit  card  account  will  constitute 
acknowledgement of receipt and agreement to the terms of the Credit Card Agreement and Credit Card Account Opening 
Disclosure  (Disclosure).  You  may  use  your  card  to  make  purchases  from  merchants  and  others  who  accept  your  card. 
The credit union is not responsible for the refusal of any merchant or financial institution to honor your card. If you wish to 
pay for goods or services over the Internet, you may be required to provide card number security information before you 
will be permitted to complete the transaction. In addition, you may obtain cash advances from the Credit Union, from other 
financial institutions that accept your card, and from some automated teller machines (ATMs). (Not all ATMs accept your 
card.)  If  the  credit  union  authorizes  ATM  transactions  with  your  card,  it  will  issue  you  a  personal  identification  number 
(PIN). To obtain cash advances from an ATM, you must use the PIN issued to you for use with your card. You agree that 
you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Even if you use 
your card  for  an  illegal  transaction,  you  will be responsible  for  all  amounts  and  charges  incurred  in  connection with  the 
transaction.  If  you  are  permitted  to  obtain  cash  advances  on  your  account,  you  may  also  use  your  card  to  purchase 
instruments and engage in transactions that we consider the equivalent of cash. Such transactions will be posted to your 
account  as  cash  advances  and  include,  but  are  not  limited  to,  wire  transfers,  money  orders,  bets,  lottery  tickets,  and 
casino gaming chips, as applicable. This paragraph shall not be interpreted as permitting or authorizing any transaction 
that is illegal. 
3.  PROMISE  TO  PAY  —  You  promise  to  pay  all  charges  (purchases,  cash  advances,  balance  transfers,  use  of 
convenience checks or any other charge) made to your account by you or anyone you authorize to use your account. You 
also promise to pay all finance charges and other charges added to your account under the terms of this Agreement or 

©CUNA Mutual Group 1991, 2006, 09, 10, 12 All Rights Reserved 

DNYHV2 (MXC501 CCM002)-e 

 
  
 
another agreement you made with the Credit Union. If this is a joint account, the paragraph on JOINT ACCOUNTS also 
applies to your account. 
4.  PERIODIC  RATES  —  The  periodic  rates  applicable  to  purchases,  cash  advances,  and  balance  transfers  are 
disclosed on the Disclosure that accompanies this Agreement. Any penalty rate that may be imposed for failing to make a 
payment  by  the  payment  due  date  is  also  disclosed  on  the  Disclosure.  Any  rate  change  will  be  made  pursuant  to 
applicable law. If the rate for your account is variable, as indicated on the accompanying Disclosure, the rate charged on 
purchases,  cash  advances,  balance  transfers  and  any  penalty  rate  will  vary  periodically  as  disclosed  in  the  Disclosure 
accompanying this Agreement. The initial rate on your account for certain types of transactions may be an introductory 
discounted rate (Introductory Rate) that is lower than the rate that would ordinarily apply for that type of transaction. If an 
Introductory Rate applies to your account, the rates and the period of time it will be effective is shown on the Disclosure 
accompanying this Agreement. After the Introductory Rate period expires, the periodic rate will automatically increase to 
the rates that would ordinarily apply for that type of transaction based on the terms of this Agreement.  
5.  FINANCE CHARGES —  
Classic  MasterCard.  A  finance  charge  begins  to  accrue  on  purchases  from  the  date  a  purchase  is  posted  to  your 
account. 
The  finance  charge  is  calculated  separately  for  purchases  and  cash  advances.  For  purchases,  the  finance  charge  is 
computed by applying the periodic rate to the average daily balance of purchases. To compute the average daily balance 
of purchases, we take the beginning outstanding balance of purchases each day, add any new purchases, and subtract 
any  payments  and/or  credits.  This  gives  us  the  daily  balance  of  purchases.  We  then  add  all  of  the  daily  balances  of 
purchases for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the 
average daily balance of purchases.  
For cash  advances,  the  finance charge  is computed  by  applying  the  periodic rate  to  the  average daily balance  of cash 
advances.  To  get  the  average  daily  balance  of  cash  advances,  we  take  the  beginning  outstanding  balance  of  cash 
advances each day, add in any new cash advances, and subtract any payments and/or credits that we apply to the cash 
advance  balance.  This  gives  us  the  daily  balance  of  cash  advances.  We  then  add  all  of  the  daily  balances  of  cash 
advances for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the 
average daily balance of cash advances. Balance transfers are calculated in the same manner as cash advances. 
Visa Platinum/Visa Classic/Gold MasterCard. New purchases posted to your account during a billing cycle will not incur 
a finance charge for that billing cycle. Finance charge begins to accrue on those purchases from the first day of the next 
billing cycle, unless you paid the entire new balance on the previous cycle’s billing statement by the payment due date of 
that statement. To avoid an additional finance charge on the balance of purchases, you must pay the entire new balance 
on the billing statement by the payment due date of that statement. A finance charge begins to accrue on cash advances 
from the date you get the cash advance or from the first day of the billing cycle in which the cash advance is posted to 
your account, whichever is later (transaction date). 
The  finance  charge  is  calculated  separately  for  purchases  and  cash  advances.  For  purchases,  the  finance  charge  is 
computed by applying the periodic rate to the average daily balance of purchases. To calculate the average daily balance 
of  purchases,  we  take  the  beginning  outstanding  balance  of  purchases  each  day  and  subtract  any  payments  and/or 
credits  that  we  apply  to  the  purchase  balance.  (We  do  not  add  in  any  purchases  posted  during  the  billing  cycle.)  This 
gives us the daily balance of purchases. We then add all of the daily balances of purchases for the billing cycle together 
and divide the total by the number of days in the billing cycle. This gives us the average daily balance of purchases.  
For cash  advances,  the  finance charge  is computed  by  applying  the  periodic rate  to  the  average daily balance  of cash 
advances. To calculate the average daily balance of cash advances, we take the beginning outstanding balance of cash 
advances each day, add in any new cash advances, and subtract any payments and/or credits that we apply to the cash 
advance  balance.  This  gives  us  the  daily  balance  of  cash  advances.  We  then  add  all  of  the  daily  balances  of  cash 
advances for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the 
average daily balance of cash advances. Balance transfers are calculated in the same manner as cash advances. 
6.  FOREIGN TRANSACTIONS —  
MasterCard.  Purchases and cash advances made in foreign currencies will be debited from your account in U.S. dollars. 
The  exchange  rate  used  to  convert  foreign  currency  transactions  to  U.S.  dollars  is  either  a  government-mandated 
exchange rate or a wholesale exchange rate and is selected by MasterCard. The rate MasterCard uses for a particular 
transaction is the rate MasterCard selects for the applicable currency on the day the transaction is processed. This rate 
may differ from the rate applicable on the date the transaction occurred or was posted to your account. 
A fee (finance charge) will be charged on all transactions completed outside of the United States, where the cardholder’s 
country  code  differs  from  the  merchant’s  country  code.  A  fee  (finance  charge)  will  be  charged  on  all  transactions 
completed  in  a  foreign  currency.  All  fees  are  calculated  based  on  the  transaction  amount  after  it  is  converted  to  U.S. 
dollars.  These  fees  are  charged  except  where  excluded.  The  Foreign  Transaction  Fee  is  set  forth  on  the  Disclosure 
accompanying this Agreement. 
Visa.  The finance charge is calculated separately for purchases and cash advances. For purchases, the finance charge 
is  computed  by  applying  the  periodic  rate  to  the  average  daily  balance  of  purchases.  To  compute  the  average  daily 
balance of purchases, we take the beginning outstanding balance of purchases each day, add any new purchases, and 
subtract any payments and/or credits. This gives us the daily balance of purchases. We then add all of the daily balances 

DNYHV2 (MXC501 CCM002)-e 

 
of purchases for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the 
average daily balance of purchases.  
A fee (finance charge) will be charged on all transactions completed outside of the United States, where the cardholder’s 
country  code  differs  from  the  merchant’s  country  code.  A  fee  (finance  charge)  will  be  charged  on  all  transactions 
completed  in  a  foreign  currency.  All  fees  are  calculated  based  on  the  transaction  amount  after  it  is  converted  to  U.S. 
dollars.  These  fees  are  charged  except  where  excluded.  The  Foreign  Transaction  Fee  is  set  forth  on  the  Disclosure 
accompanying this Agreement. 
7.  FEES — In addition to the periodic rate, the following additional fees may be imposed on your account. If applicable to 
your  account,  the  fee  amounts  and  explanations  are  disclosed  on  the  Disclosure  accompanying  this  Agreement.  Your 
account may also be subject to additional fees as set forth on the Disclosure accompanying this Agreement. 
a.  Annual Fee. If your account is subject to an Annual Fee, the fee will be charged to your account upon the issuance of 
your card. Each year following, the annual fee will be charged to your account during the same month that you were first 
charged the fee. The fee will be charged each year until your account is closed and paid in full. 
b.  Balance Transfer Fee (Finance Charge). If your account is subject to a Balance Transfer Fee (finance charge), the 
fee  as  disclosed  on  the  Disclosure  accompanying  this  Agreement  will  be  charged  to  your  account  when  you  transfer  a 
balance from an account of another creditor to the account subject to this Agreement. 
c.  Cash Advance Fee (Finance Charge). If your account is subject to a Cash Advance Fee (finance charge), the fee 
will  be  charged  to  your  account  when  you  obtain  a  cash  advance  from  an  ATM,  the  Credit  Union  or  other  financial 
institution.  
d.  Foreign  Transaction  Fee  (Finance  Charge).  If  your  account  is  subject  to  a  Foreign  Transaction  Fee  (finance 
charge), a fee may be charged to your account for transactions made outside of the United States or in a foreign currency. 
Transactions made in a foreign currency using a Visa branded card or processed by a network operated or affiliated with 
Visa will be subject to a fee as set forth on the Disclosure accompanying this Agreement. 
e.  Transaction Fee for  Purchases  (Finance Charge).  If  your  account  is subject  to  a  Transaction  Fee  for  Purchases 
(finance charge), a fee will be charged to your account for purchases as disclosed on the Disclosure accompanying this 
Agreement. 
f.  Late Payment Fee. If your account is subject to a Late Payment Fee, the fee will be charged to your account when 
you do not make the required minimum payment by or within the number of days of the statement Payment Due Date set 
forth on the Disclosure accompanying this Agreement. 
g.  Over-the-Credit Limit Fee. If you have elected the feature to allow your account to go over your credit limit, we may 
charge you a fee as allowed by law. However, in no case will we impose an over-the-limit fee except in the next two billing 
cycles unless you have obtained an additional extension of credit in excess of such credit limit during each subsequent 
cycle or you have reduced the balance below the credit limit as of the end of each bill cycle. 
h.  Returned  Payment  Fee.  If  your  account  is  subject  to  a  Returned  Payment  Fee,  the  fee  will  be  charged  to  your 
account when a payment is returned for any reason. 
i.  Statement Copy Fee. If your account is subject to a Statement Copy Fee, except as limited by applicable law and 
when  the  request  is  made  in  connection  with  a  billing  error  made  by  the  Credit  Union,  a  fee  may  be  charged  to  your 
account for each copy of a sales draft or statement that you request. 
j.  Document Copy Fee. If your account is subject to a Document Copy Fee, except as limited by applicable law, a fee 
may be charged to your account for each copy of a sales draft or statement that you request (except when the request is 
made in connection with a billing error made by the Credit Union). 
k.  Rush Fee. If your account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to your 
account  for  each  rush  card  that  you  request,  providing  delivery  of  the  card  is  also  available  by  standard  mail  service, 
without paying a fee for delivery. 
l.  PIN Replacement Fee. If your account is subject to a PIN Replacement Fee, a fee will be charged to your account 
whenever you request a new PIN number for your account. 
m.  Card  Replacement  Fee.  If  your  account  is  subject  to  a  Card  Replacement  Fee,  a  fee  will  be  charged  for  each 
replacement card that is issued to you for any reason. 
8.  PAYMENTS  —  Each  month  you  must  pay  at  least  the  minimum  payment  shown  on  your  statement  by  the  date 
specified  on  the  statement.  You  may  pay  more  frequently,  pay  more  than  the  minimum  payment  or  pay  the  total  new 
balance in full. If you make extra or larger payments, you are still required to make at least the minimum payment each 
month your account has a balance (other than a credit balance). For our Classic MasterCard, the minimum payment is 
2.00% of your total new balance, or $25.00, whichever is greater, plus the amount of any prior minimum payments that 
you have not made, and any amount you are over your credit limit. For our Visa Platinum, the minimum payment is 2.00% 
of your total new balance, or $50.00, whichever is greater, plus the amount of any prior minimum payments that you have 
not made, and any amount you are over your credit limit. For our Visa Classic, the minimum payment is 3.00% of your 
total  new  balance,  or  $25.00,  whichever  is  greater,  plus  the  amount  of  any  prior  minimum  payments  that  you  have  not 
made, and any amount you are over your credit limit. For our Gold MasterCard, the minimum payment is 2.00% of your 
total  new  balance,  or  $50.00,  whichever  is  greater,  plus  the  amount  of  any  prior  minimum  payments  that  you  have  not 
made, and any amount you are over your credit limit. In addition to the minimum payment, you must also pay, by the date 
specified above, the amount of any prior minimum payment(s) that you have not made, all outstanding unpaid fees and 
DNYHV2 (MXC501 CCM002)-e 

 
charges,  and  any  amount  you  are  over  your  credit  limit.  The  Credit  Union  also  has  the  right  to  demand  immediate 
payment of any amount by which you are over your credit limit. 

9.  PAYMENT ALLOCATION — Subject to applicable law, your payments may be applied to what you owe the Credit 
Union in any manner the Credit Union chooses. However, in every case, in the event you make a payment in excess of 
the  required  minimum  periodic  payment,  the  Credit  Union  will  allocate  the  excess  amount  first  to  the  balance  with  the 
highest annual percentage rate and any remaining portion to the other balances in descending order based on applicable 
annual percentage rate.  
10.  SECURITY  INTEREST  —  You  grant  the  Credit  Union  a  security  interest  under  the  Uniform  Commercial  Code  and 
under  any  common  law  rights  the  Credit  Union  may  have  in  any  goods  you  purchase.  If  you  give  the  Credit  Union  a 
specific pledge of shares by signing a separate pledge of shares, your pledged shares will secure your account. You may 
not withdraw amounts that have been specifically pledged to secure your account until the Credit Union agrees to release 
all or part of the pledged amount.  

Your Account is secured by all other shares you have in any individual or joint account with the Credit Union, 
except  for  shares  in  an  Individual  Retirement  Account  or  in  any  other  account  that  would  lose  special  tax 
treatment under state or federal law if given as security. These other shares may be withdrawn unless you are 
in default under this agreement. You authorize the Credit Union to apply the balance in your individual or joint 
share accounts to pay any amounts due on your Account if you should default. 

Collateral securing other loans you have with the Credit Union may also secure this loan, except that a dwelling will never 
be considered as security for this account, notwithstanding anything to the contrary in any other agreement.  
11.  DEFAULT — You will be in default if you fail to make any minimum payment or other required payment by the date 
that it is due. You will be in default if you break any promise you make under this Agreement. You will be in default if you 
die, file for bankruptcy or become insolvent, that is, unable to pay your obligations when they become due. You will be in 
default if you make any false or misleading statements in any credit application or credit update. You will also be in default 
if something happens that the Credit Union believes may substantially reduce your ability to repay what you owe. 
When  you  are  in  default,  the  Credit  Union  has  the  right  to  demand  immediate  payment  of  your  full  account  balance 
without  giving  you  notice.  If  immediate  payment  is  demanded,  you  agree  to  continue  paying  finance  charges  at  the 
periodic rate charged before default, until what you owe has been paid, and any shares that were given as security for 
your account may be applied towards what you owe. 
12.  LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION —  
MasterCard.  You  agree  to  notify  us  immediately,  orally  or  in  writing,  at  24  McKinley  Ave.,  Endicott,  NY  13760  or 
telephone  (800)  528-2273  (International  Cardholders  1(812)  647-9794)  seven  (7)  days  a  week,  24  hours  a  day,  of  the 
loss, theft, or unauthorized use of your credit card. You may be liable for the unauthorized use of your credit card. You will 
not be liable for unauthorized use that occurs after you notify us of the loss, theft, or possible unauthorized use. However, 
if  you  exercise  reasonable  care  in  safeguarding  your  card  from  risk  of  loss  or theft,  if  you  have  not  reported  two  (2)  or 
more incidents of unauthorized use in the last 12 months, and if your account is in good standing, you will not be liable for 
any unauthorized purchase transactions. In any case, your liability will not exceed $50.00.  
Visa.  You agree to notify us immediately, orally or in writing, at 24 McKinley Ave., Endicott, NY 13760 or telephone (800) 
528-2273  (International  Cardholders  1(812)  647-9794)  seven  (7)  days  a  week,  24  hours  a  day,  of  the  loss,  theft,  or 
unauthorized use of your credit card. You may be liable for the unauthorized use of your credit card. You will not be liable 
for  unauthorized  use  that  occurs  after  you  notify  us  of  the  loss,  theft,  or  possible  unauthorized  use.  You  will  have  no 
liability for unauthorized purchases made with your credit card, unless you are grossly negligent in the handling of your 
card. In any case, your liability will not exceed $50.00. 
13.  CHANGING OR TERMINATING YOUR ACCOUNT — As permitted by law, the Credit Union may change the terms 
of this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with 
applicable  law.  If  permitted  by  law  and  specified  in  the  notice  to  you,  the  change  will  apply  to  your  existing  account 
balance as well as to future transactions. 
Either you or the Credit Union may terminate this Agreement at any time, but termination by you or the Credit Union will 
not affect your obligation to pay the account balance plus any finance and other charges you owe under this Agreement. 
Your obligation to pay the account balance plus any finance and other charges you owe under this agreement are subject 
to  all  applicable  laws  and  regulations  regarding  repayment  requirements.  You  are  also  responsible  for  all  transactions 
made to your account after termination, unless the transactions were unauthorized. 
The card or cards you receive remain the property of the Credit Union and you must recover and surrender to the Credit 
Union all cards upon request or upon termination of this Agreement whether by you or the Credit Union. If this is a joint 
account, the paragraph on JOINT ACCOUNTS of this Agreement also applies to termination of the account.  
14.  CHANGING  OR  TERMINATING  AUTHORIZED  USERS  —  Upon  your  request,  we  may  issue  additional  cards  for 
authorized  users  that  you  designate.  You  must  notify  us  in  writing  of  any  termination  of  an  authorized  user's  right  to 
access  your  account.  Your  letter  must  include  the  name  of  the  authorized  user  and  your  account  number  and/or  any 
subaccount  number  issued  to  the  authorized  user  along  with  the  authorized  user's  card  and  any  convenience  or  other 
access checks issued to the authorized user. If you cannot return the authorized user's card or access checks and if you 
request your account to be closed, we will close your account and you may apply for a new account. 

DNYHV2 (MXC501 CCM002)-e 

 
15.  CREDIT REVIEW AND RELEASE OF INFORMATION — You authorize the Credit Union to investigate your credit 
standing when opening or reviewing your account. You authorize the Credit Union to disclose information regarding your 
account to credit bureaus and creditors who inquire about your credit standing. If your account is eligible for emergency 
cash  and/or  emergency  card  replacement  services,  and  you  request  such  services,  you  agree  that  we  may  provide 
personal information about you and your account that is necessary to provide you with the requested service(s). 
16.  RETURNS  AND  ADJUSTMENTS  —  Merchants  and  others  who  honor  your  card  may  give  credit  for  returns  or 
adjustments, and they will do so by sending the Credit Union a credit slip which will be posted to your account. If  your 
credits and payments exceed what you owe  the Credit Union, the amount will be applied against future purchases and 
cash  advances.  If  the  credit  balance  amount  is  $1.00  or  more,  it  will  be  refunded  upon  your  written  request  or 
automatically after six (6) months. 
17.  ADDITIONAL  BENEFITS/CARD  ENHANCEMENTS  —  The  Credit  Union  may  from  time  to  time  offer  additional 
services to your account, such as travel accident insurance, at no additional cost to you. You understand that the Credit 
Union is not obligated to offer such services and may withdraw or change them at any time. 
18.  MERCHANT DISPUTES — The Credit Union is not responsible for the refusal of any merchant or financial institution 
to  honor  your  card.  The  Credit  Union  is  subject  to  claims  and  defenses  (other  than  tort  claims)  arising  out  of  goods  or 
services you purchase with the card if you have made a good faith attempt but have been unable to obtain satisfaction 
from the merchant or service provider, and (a) your purchase was made in response to an advertisement the Credit Union 
sent or participated in sending to you; or (b) your purchase cost more than $50.00 and was made in your state or within 
100 miles of your home. 
19.  JOINT ACCOUNTS — If this is a joint account, each of you will be individually and jointly responsible for paying all 
amounts owed under this Agreement. This means that the Credit Union can require any one of you individually to repay 
the entire amount owed under this Agreement. Each of you authorizes the other(s) to make purchases or cash advances 
individually. Any one of you may terminate the account and the termination will be effective as to all of you. 
20.  EFFECT OF AGREEMENT — This Agreement is the contract which applies to all transactions on your account even 
though the sales, cash advances, credit or other slips you sign or receive may contain different terms. 
21.  NO WAIVER — The Credit Union can delay enforcing any of its rights any number of times without losing them. 
22.  STATEMENTS  AND  NOTICES  —  Statements  and  notices  will  be  mailed  or  delivered  to  you  at  the  appropriate 
address you have given the Credit Union. Notice sent to any one of you will be considered notice to all.  
23.  SEVERABILITY  AND  FINAL  EXPRESSION  —  This  Agreement  and  the  Disclosure  are  the  final  expression  of  the 
terms and conditions of your account. This written Agreement and Disclosure may not be contradicted by evidence of any 
alleged oral agreement. Should any part of this Agreement or the Disclosure be found to be invalid or unenforceable, all 
other  parts  of  this  Agreement  and  Disclosure  shall  remain  in  effect  and  fully  enforceable  to  the  fullest  extent  possible 
under this Agreement. 
24.  COPY RECEIVED — You acknowledge that you have received a copy of this Agreement and Disclosure. 
25.  INTERNET  GAMBLING  TRANSACTIONS  PROHIBITED  —  You  may  not  use  your  card  to  initiate  any  type  of 
electronic gambling transaction through the Internet. 
26.  PENALTY RATE DISCLOSURES — If applicable to your account, all rates for your account, including the rates for 
purchases, cash advances, and balance transfers, will increase to the Penalty Rate when you meet one or more of the 
conditions as set forth in the Disclosure accompanying this Agreement. Any rate increases applied to your account are 
subject to applicable notice requirements. Please refer to the Disclosure for additional information regarding the Penalty 
Rate. 
27.  VOLUNTARY PAYMENT PROTECTION — We may offer Voluntary Payment Protection to you. Voluntary Payment 
Protection is not necessary to obtain credit. If you purchase Voluntary Payment Protection from us, you authorize us to 
add  the  fees  or  insurance  charges  monthly  to  your  loan  balance  and  charge  you  interest  on  the  entire  balance.  At  our 
option we will change your payment or the period of time necessary to repay the loan balance. The rate used to determine 
the  fees  or  insurance  charges  may  change  in  the  future.  If  the  rate  changes,  we  will  provide  any  notices  required  by 
applicable law.  
28.  NOTICE TO UTAH BORROWERS — This written agreement is a final expression of the agreement between you and 
the Credit Union. This written agreement may not be contradicted by evidence of any oral agreement. 
29.  THE  FOLLOWING  IS  REQUIRED  BY  VERMONT  LAW  —  NOTICE  TO  CO-SIGNER  —  YOUR  SIGNATURE  ON 
THIS  NOTE  MEANS  THAT  YOU  ARE  EQUALLY  LIABLE  FOR  REPAYMENT  OF  THIS  LOAN.  IF  THE  BORROWER 
DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. 

DNYHV2 (MXC501 CCM002)-e 

 
 
 
 
 
 
 
 
Your Billing Rights: Keep this Document 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 the address listed on your statement or by calling (800) 808-
6402 seven (7) days a week, 24 hours a day or fax to (513) 900-3543. 
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 [or electronically]. 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 [or electronically] at 
the address listed on your statement. 
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. 

DNYHV2 (MXC501 CCM002)-e 

 
 
VISIONS FCU 

CREDIT CARD ACCOUNT OPENING DISCLOSURE 
This Addendum is incorporated into and becomes part of your LOANLINER® Consumer Credit Card Agreement.   

Please keep this attached to your LOANLINER® Consumer Credit Card Agreement. 

Interest Rates and Interest Charges 
Annual  Percentage  Rate  (APR)  for  Purchases  –  This  APR  will  vary  with  the  market  based  on  the  5-Year  U.S. 
Treasury Note. 
APR for Cash Advances – This APR will vary with the market based on the 5-Year U.S. Treasury Note. 
APR for Balance Transfers – This APR will vary with the market based on the 5-Year U.S. Treasury Note. 
Paying  Interest  –  Your  due  date  is  at  least  28  days  after  the  close  of  each  billing  cycle.    We  do  not  charge  you 
interest on purchases if you pay your entire balance by the due date each month.  We will begin charging interest 
on cash advances and balance transfers on the transaction date. 
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 Web site of the Consumer Financial Protection Bureau at 
http://consumerfinance.gov/learnmore.  

How We Will Calculate Your Balance.  We use a method called “average daily balance (including new purchases).”  
See your account Agreement for more details. 

Billing Rights.  Information on your rights to dispute transactions and how to exercise those rights is provided in your 
account Agreement.   

Collection Costs.  You agree to pay all costs of collecting the amount you owe under this Agreement, including court 
costs and reasonable attorney’s fees. 

Periodic Rates * (see Pricing Addendum) 
The Purchase APR is  *  which is a daily periodic rate of  *  .  
The Cash Advance APR is  *  which is a daily periodic rate of  *  .  
The Balance Transfer APR is  *  which is a daily periodic rate of  *  . 

Variable Rate. 
The ANNUAL PERCENTAGE RATE is subject to change on the first day of the billing cycle to reflect any change in 
the Index and will be determined by the 5-Year Treasury Note on the 15th day of the previous calendar month or the 
preceding business day as published in the Wall Street Journal “Money Rates” table.  The ANNUAL PERCENTAGE 
RATE will never be greater than 18.00%.  Any increase in the ANNUAL PERCENTAGE RATE will take the form of 
additional payments shown as Total Minimum Payments on the statement.   

If  the  Index  is  no  longer  available,  the  Credit  Union  will  choose  a  new  index  which  is  based  upon  comparable 
information.  

Margin  *  (see Pricing Addendum) 
Purchases will be charged at  *  above the Index. 
Cash advances will be charged at  *  above the Index. 
Balance transfers will be charged at  *  above the Index. 

LOANLINER 
©CUNA MUTUAL GROUP, 2009, ALL RIGHTS RESERVED     DNYHU2 (MXC400  CCM000) 

Pricing Addendum 
VISA Classic, VISA Platinum, MasterCard Gold 

Grace Period 
28 days 

Late Payment Fee 
VISA Classic - $20.00 or the amount of the minimum required payment, whichever is less 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
VISA Platinum - $20.00 or the amount of the minimum required payment, whichever is less 

MasterCard Gold - $20.00 or the amount of the minimum required payment, whichever is less 

Purchase APR’s – Variable Rate 
VISA Classic – the 5 year US Treasury Note plus between 9.00 to 12.00 percentage points 

VISA Platinum – the 5 year US Treasury Note plus between 7.00 to 11.50 percentage points 

MasterCard Gold – the 5 year US Treasury Note plus 8.00 percentage points 

Maximum APR is 18% corresponding maximum daily periodic rate is .04932% 

Cash Advance APR – Variable Rate 
VISA Classic – the 5 year US Treasury Note plus between 9.00 to 12.00 percentage points 

VISA Platinum – the 5 year US Treasury Note plus between 7.00 to 11.50 percentage points 

MasterCard Gold – the 5 year US Treasury Note plus 8.00 percentage points 

Maximum APR is 18% corresponding maximum daily periodic rate of .04932%  

Penalty APR 
None 

Minimum Finance Charge 
None 

Cash Advance Fee 
None 

Balance Transfer Fee 
None 

Returned Payment Fee 
$20.00 or the amount of the required minimum payment, whichever is less 

Over Limit Fee 
$20.00 or the amount of the transaction exceeding your credit limit, whichever is less 

- 
- 
- 

None 
$14.00 per year 
$40.00 per year 

Annual Fee 
VISA Classic 
VISA Platinum   
MasterCard Gold 

Statement copy Fee 
$3.00 

Document Copy Fee 
$12.00 

Rush Fee 
$60.00 

Card Replacement Fee 
$5.00 

Pin Replacement Fee 
$5.00 

Foreign Transaction Fee 
Up to 1.00% of each transaction in US dollars