OREGON COMMUNITY CREDIT UNION 
VISA CREDIT CARD ACCOUNT AGREEMENT 

This Visa® Credit Card Account Agreement (“Agreement”) and the Account Disclosures  (“Account Disclosure”) given to you when you 
opened  your  Card  account  (“Account”)  will  govern  your  Visa  Credit  Card  and  Account  issued  by  Oregon  Community  Credit  Union 
(“Credit  Union”).    In  this  Agreement,  the  words  "you,"  "your,"  "yours,"  "applicant,"  and  "Borrower"  mean  any  person  who  signs  the 
application for this Account, any joint obligor, guarantor, authorized user, or the person whose name is embossed on the Card.  The words 
"we," "us," "our," and "Credit Union" mean Oregon Community Credit Union.  The word "Card" means any one or more credit cards issued 
under this Account.  If you sign an application for this Account or sign or use any Card or PIN, or allow others to use the Card or 
PIN, you and they will have accepted this Agreement just as if you and they signed it, and you and they, jointly and severally, will 
be bound by the following terms and conditions which will govern this Account. 

1.  YOU PROMISE TO PAY.  You promise to pay us all amounts, plus any Interest Charges, which arise from use of the Card or Account 
by  you  or  any  other  person,  and  to  be  jointly  and  severally  liable  with  such  a  person,  unless  such  other  person  does  not  have  actual, 
implied, or apparent authority for such use, and you received no benefit from the use.  You promise to pay us either by direct payment or 
by automatic transfers from shares. 

2.  ACCOUNT ACCESS. 

a. Purchases, Cash Advances, and Balance Transfers.  You must sign the Card to use it.  Once you have signed the Card, you 
can use it to buy or lease goods, services, or insurance wherever the Card is honored, up to the full amount of your Credit Line.  You may 
use your Account to get cash advances from us.  You may also use your Card to get a cash advance from participating financial institutions 
and to access your line of credit at automatic teller machines (“ATMs”) within the VISA network or any other ATMs.   

b. VISA Convenience Checks.  If we approve, you may obtain advances under your Account by writing preprinted VISA convenience 
loan checks that we supply to you.  Your use of loan checks will be shown either as a purchase, cash advance, or balance transfer on your 
monthly statement.  We may not honor your loan check if: your check is post-dated; payment of the check would exceed your Credit Line; 
a check is signed by a person without authorized access; the amount of the check is less than the minimum required amount; your Account 
has been terminated or suspended, or any drafts have been reported lost or stolen.  You may stop payment on a loan check if you provide 
us  with  the  exact  information  describing  the  check.    If  you  give  us  incorrect  information,  we  will  not  be  responsible  for  failing  to  stop 
payment.  You understand there may be a charge for each stop payment order requested.  Our liability for a wrongful dishonor is limited to 
your actual charges; however, a dishonor for the reasons stated above is not a wrongful dishonor.  Only the person whose name is printed 
on a convenience check may sign it. All convenience checks must be written in U.S. dollars. We will not certify a convenience check. You 
may write these checks for any amount providing your total outstanding balance does not exceed your available Credit Line and your credit 
card remains in good standing.  We are entitled to return it unpaid if there is not enough available credit on your Account to pay it, if you are 
in default under this Agreement, if your card or convenience checks have been reported lost or stolen, or if the convenience check is post-
dated.  A VISA convenience check may not be used to make a payment on your VISA credit card account or any other loan account you 
have with us.  The Credit Union shall have no liability for any convenience check returned in excess of your Credit Line. 

3.  CREDIT LINE.  If we approve your application, this Agreement will constitute a revolving line of credit for an amount which will be the 
Credit Line under your Account.  We will advise you of the amount of your Credit Line.  That amount will be the maximum amount you may 
have outstanding at any one time.  You agree not to attempt to obtain more credit than the amount of your Credit Line.  However, if you 
temporarily exceed your Credit Line, you agree to repay the excess immediately, even if we have not yet billed you.  Obtaining such credit 
does not increase your Credit Line.  We retain the right to increase or decrease your Credit Line at any time.  Any increase or reduction in 
the amount of your Credit Line will be shown on your monthly statement or by separate notice together with any changes in the applicable 
Minimum  Monthly  Payments.    Your  eligibility  for  this  Credit  Line  is  determined  by  our  loan  policy  and  may  be  terminated  at  our  sole 
discretion, without demand or notice.  You may close your Credit Line at any time by notifying us in writing and returning all Cards cut in 
half.  If you terminate this Agreement or if we terminate or suspend your credit privileges, the provisions of this Agreement and your liability 
hereunder  shall  otherwise  remain  in  full  force  and  effect  until  you  have  paid  us  all sums  due  us  under  this  Agreement  and  returned  all 
Cards. 

4.  MINIMUM MONTHLY PAYMENT.  We will mail you a statement every month if your Account has a balance. You agree that you will 
pay each month not less than the minimum monthly payment on or before the payment due date. The minimum monthly payment will be 
the largest of: (a) $30, or (b) 3.0% of your outstanding balance shown on your statement (“New Balance”), or (c) 1.0% of the New Balance 
plus (i) any unpaid Interest Charges and (ii) any unpaid fees or other finance charges.  If your outstanding balance is less than $30, you 
agree to pay the balance in full.  In addition to the minimum monthly payment, you agree to pay any “Overlimit Amount” and any amount 
past due shown on your statement each month by the due date shown on your Statement.  You may pay in full for all your purchases and 
cash advances each month, or you may repay in monthly installments. We can accept late payments or partial payments, or checks, drafts, 
or  money  orders  marked  “payment  in  full”  without  prejudice to  our  rights  under  this  Agreement,  which  are  hereby  explicitly  reserved.  A 
credit  posting  from  a  merchant  or  reversal  of  fees  does  not  constitute  a  minimum  payment.  The  minimum  monthly  payment  may  be 
allocated at the Credit Union’s discretion to pay off lower rate balances, such as promotional offers, before higher rate balances, such as 
cash  advances  or  purchases.    Payments  in  excess  of  the  minimum  monthly  payment  will  be  allocated  first  to  higher  rate  balances,  as 
applicable. From time to time, we may allow you to skip your minimum monthly payment due. If you choose to skip that payment, Interest 
Charges will continue to accrue in accordance with this Agreement.  Payments received at:  Oregon Community Credit Union, Attn: Card 
Services, P.O. Box 84063, Columbus, GA 31908-4063, on or before 5:00 PM Pacific Time on any business day will be credited to your 
Account as of that date; payments received by mail at that address after 5:00 PM Pacific Time or on a weekend will be posted  to your 
Account as of the next business day. 

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5.  SECURITY  INTEREST.    By  signing  your  application,  to  secure  your  Account,  you  grant  us  a  purchase  money  security 
interest under the Oregon Uniform Commercial Code in any goods you purchase through your Account.  If you default, we will 
have the right to recover any of these goods that have not been paid for through application of  your payments in the manner 
described in Section 4.  In addition, you grant us a security interest in all your shares and deposits, present and future, and all 
accounts (except Individual Retirement Accounts and Keogh Accounts) with the Credit Union to secure your Account and agree, 
upon default, the Credit Union may apply all that is secured to pay any amounts due under this Agreement, without further notice 
to you.  You further agree that collateral securing other loans with the Credit Union (except loans secured by real property) also 
secures this Account. 

6.PERIODIC STATEMENTS.  Each month, if your outstanding balance exceeds $1, we will send you a statement showing new purchases, 
cash advances, payments, and credits made to your Account during the billing period, your Previous Balance, your "Total New Balance," 
any Interest Charge, and any other charges.  Your statement also will identify the remaining Credit Line available and the Minimum Monthly 
Payment you must make for that billing period and the date it is due.  For statement verification purposes, you agree to retain copies of 
transaction slips resulting from each purchase, each advance, and other transaction on your Account.  Unless you notify us of a billing error 
as described below, you accept your monthly statement as an accurate statement of your Account with us. 

7.  CIRCUMSTANCES  UNDER  WHICH  AN  INTEREST  CHARGE  WILL  BE  IMPOSED.    The  total  outstanding  balance  of  purchases, 
balance transfers, and cash advances in the Account on the closing date of a billing period, including any Interest Charge, will be shown on 
the Periodic Statement for that billing period as the "New Balance." 

a. Cash Advances and Balance Transfers.  We begin charging an Interest Charge on cash advances and balance transfers from 
the date of each transaction.  There is no time period within which to pay to avoid a periodic Interest Charge on cash advances or balance 
transfers. 

b. Purchases.  Your due date is at least 25 days after the close of each billing period.  An Interest Charge will be imposed on the 
portion of purchases included in the New Balance that is not paid by the due date.  This “grace period” allows you to avoid an Interest 
Charge  on  purchases  for  a  billing  period.    However,  if  you  do  not  pay  the  New  Balance  for  purchases  within  the  grace  period,  your 
Interest Charge will accrue on any unpaid purchase transactions from the first day of the billing period in which the payment is due. 

8.  METHOD USED TO DETERMINE THE BALANCE ON WHICH THE  INTEREST CHARGE MAY BE COMPUTED  AND AMOUNT 
OF INTEREST CHARGE.  The Credit Union figures the Interest Charge on your Account by multiplying the "Average Daily Balance" of 
purchases, balance transfers, and cash advances for your Account (including current transactions) by the Daily Periodic Rate, and then we 
multiply the result by the number of days in the billing period.  To get the "Average Daily Balance" we take the beginning balance of your 
Account each day, add any new purchases or cash advances, and subtract any payments or credits, unpaid Interest Charge and unpaid 
fees.  This gives us the daily balance.  Then, we add up all the daily balances for the billing period and divide the total by the number of 
days in the billing period.  This gives us the "Average Daily Balance."  To get the “Daily Periodic Rate,” we divide the Annual Percentage 
Rate in effect for the billing period by 365. 

9.  PERIODIC RATE AND CORRESPONDING ANNUAL PERCENTAGE RATE.   

a.  Standard Rates.  The Periodic Rate and corresponding Annual Percentage  Rate(s) used to compute the Interest Charge are 
variable and based on the value of an index.  The index in effect for each billing period shall be the highest  “Prime Rate” of interest 
appearing in The Wall Street Journal published on the last business day of the month preceding the first day of such billing period or, if 
The Wall Street Journal is not published on such date, the next day on with such Prime Rate is published. To determine the Annual 
Percentage  Rate,  we  add a margin  to  the  index.  The  amount  of  the  margin  depends on  the type  of  account,  your  credit  profile, and 
other factors we deem appropriate. The margin applicable to your account  is provided to you in your Account Disclosure. The Annual 
Percentage Rate is divided by 365 to obtain the Periodic Rate. The rate can change monthly effective the first day of the billing cycle. 
Any increase or decrease in the Annual Percentage Rate will affect the number of monthly payments you may have to make.    If The 
Wall Street Journal ceases publication or ceases to publish the Prime Rate, we reserve the right to use the Prime Rate published in any 
other newspaper of general circulation, or we may substitute a similar reference at our sole discretion. 

b.  Introductory  Rates.    At  our  discretion,  we  may  offer  you  an  introductory  or  promotional  Annual  Percentage  Rate  for  your 
Account.  Any introductory or promotional Annual Percentage Rate will be subject to the terms of the offer and this Agreement.  We will 
provide you with information on the offer, including the time period the introductory or promotional Annual Percentage Rate is in effect 
in the Account Disclosure or in other materials that we send to you about the offer after you receive your Credit Card. 

10.  CONDITIONS UNDER WHICH OTHER CHARGES MAY BE IMPOSED.  You agree to pay the following fees and charges on your 
Account. 

a. Late Fee.  If we do not receive your minimum payment on the due date, you agree to pay a late fee up to $25. 
b. Copying Fee.  We may charge you $10 for each VISA draft copy you request for your Account.  If the request relates to a billing 

error and we determine that a billing error was made, any photocopying charges will be refunded. 

c. Returned Item Fee.  If any check or draft we receive from you as payment for any amount you owe to us is returned to us unpaid, 

you agree to pay a returned item fee of up to $25. 

d. ATM Fee.  If you use an ATM to obtain a cash advance and the ATM is not operated by us, you may be charged an ATM surcharge 
by  the  ATM  operator  or  an  ATM  network  utilized  for  such  a  transaction.    The  ATM  surcharge  may  be  charged  to  your  Account  if  you 
complete the transaction.   

e. Cash Advance Fee.  When you obtain a cash advance, you agree to pay a cash advance fee of either $10 or 3% of the amount of 
each cash advance, whichever is greater, for each cash advance obtained.  This cash advance fee is in addition to any ATM Fees that 
may apply. 

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f. Balance Transfer Fee.  When you obtain a balance transfer, you agree to pay a balance transfer fee of either $10 or 3% of the 

amount of each balance transfer amount, whichever is greater. 

g. Rush Card Fee.  When you request that we send you a new or replacement Card on an expedited basis, you agree to pay a rush 

card fee of $30. 

h. Attorney’s Fees and Costs.  If you default on any part of this Agreement, you agree to pay us all costs to collect your Account, 
including  court  costs  and  reasonable  attorney  fees  whether  or  not  there  is  a  lawsuit,  and  fees  on  any  appeal  and  fees  for  bankruptcy 
proceedings,  appeals,  and  any  post-judgment  collection  services,  if  applicable.    These  fees  and  costs  may  be  added  to  your  Account 
balance and will bear interest at the Annual Percentage Rate in effect at that time. 

11.  CONDITIONS OF CARD USE.  The use of your Card and Account are subject to the following conditions: 

a. Use.  Your Card and Account may be used only for valid and lawful purposes.  You may not use your Card (i) to make Purchases or 
obtain Cash Advances for any illegal transaction, or (ii) for any internet or online gambling transactions.  If you use your Card for any illegal 
or  prohibited  transaction,  this  Agreement  also  applies  to  such  transaction  and  you  agree  to  pay  any  and  all  amounts  related  to  such 
transaction pursuant to the terms of this Agreement. We may, at our sole discretion and without warning, restrict the use of or terminate 
your Card if we notice excessive use of your Card or other suspicious activities or if we reasonably believe the Card is or has been used for 
one or more illegal or prohibited transactions. 

b. Ownership of Cards.  Any Card or other credit instrument or device which we supply to you is our property and must be returned 
to  us,  or  to  any  person  whom  we  authorize  to  act  as  our  agent,  or  to  any  person  who  is  authorized  to  honor  the  Card,  immediately 
according to instructions.  The Card may be repossessed at any time in our sole discretion without demand or notice.  You cannot transfer 
your Card or Account to another person. 

c. Honoring the Card.  We may decline to honor any transaction for any reason.  Neither we nor merchants authorized to honor the 
Card will be responsible for the failure or refusal to honor the Card or any other credit instrument or device we supply to you.  If a merchant 
agrees to give you a refund or adjustment, you agree to accept a credit to your Account in lieu of a cash refund. 

d. Currency Conversion/International Transaction Fee. Purchases and cash advances made in foreign countries will be billed to 
you in U.S. dollars. The currency conversion rate for international transactions as established by VISA International, Inc. is a rate selected 
by VISA from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
from the rate VISA itself receives, or the government-mandated rate in effect for the applicable central processing date. 

e. Notices and Payments.  All notices will be sent to your address as shown in the application.  You agree to advise us promptly if 
you change your mailing address.  All payments should be mailed to us at the remittance address shown on  your monthly statements.  
Payments received at that address will be credited to your Account as of the date received.  Written notices and inquiries to us must be 
sent to:  

Oregon Community Credit Union 
Attn:  Card Services  
P.O. Box 84063 
Columbus, GA 31908-4063 
855-755-6423 

f. Personal Identification Number.  If we issue you a Personal Identification Number ("PIN") for use with your Card in accessing your 
line of credit at ATMs, these numbers are issued to you for your security purposes.  These numbers are confidential and should not be 
disclosed to third parties.  You are responsible for safekeeping your PIN.  You agree not to disclose or otherwise make available your PIN 
to anyone not authorized to sign on your Account.  To keep your Account secure, please do not write your PIN on your Card or keep it in 
the same place as your Card. 

12.  LOAN PROTECTION.  Loan Protection coverage is not required for any extension of credit under this Agreement.  However, you may 
purchase any loan protection available through us and have the monthly fee added to your outstanding balance as purchases.  If you elect 
to do so, we will give you the necessary disclosures and documents separately. 

13.  DEFAULT.  You will be in default under this Agreement if any of the following occur:  (a) Any Minimum Monthly Payment is not made 
when due; (b) You become insolvent, bankrupt, or you die; (c) You violate any part of this Agreement, or any other agreement with us; or 
(d) If  we  reasonably  deem  ourselves  insecure  with  respect  to  your  Account.    Upon  default,  we  may  declare  the  entire  unpaid  balance 
immediately due and payable, and you agree to pay that amount plus any attorney's fees and costs we incur, including fees and costs in 
any appeal or bankruptcy proceeding.  We can delay enforcing any right under this Agreement without losing that right or any other right.  
We will notify you in writing of any such action as soon as practical if it occurs. 

14.  GOVERNING LAW.  This Agreement will not take effect until it is approved by us.  This Agreement shall be governed by the laws of 
the State of Oregon. 

15.  SEVERABILITY.  If any provision of this Agreement is held invalid, the remaining provisions that are severable shall remain in effect. 

16.  LOSS OR THEFT OF CARD.  You agree to notify us immediately of the loss, or the theft, or the use without your permission, of any 
Card or other credit instrument or device which we supply to you.  You may be liable for the unauthorized use of your card.  You will not be 
liable  for  unauthorized  use  which  occurs  after  you  notify:    Oregon  Community  Credit  Union,  Attn:  Card  Services,  P.O.  Box  84032, 
Columbus, GA 31908-4032, Telephone:  855-755-6423, orally or in writing of loss, theft, or possible unauthorized use.  In any case, your 
liability shall not exceed $50. 

17.  CREDIT  INFORMATION/FINANCIAL  STATEMENTS.    You  authorize  us  to  release  information  to  others  (e.g.,  credit  bureaus, 
merchants, and other financial institutions) regarding the status and history of your Credit Line.  You agree to provide us, at any time we 

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deem necessary, with a current financial statement and/or updated credit information upon request. We may investigate your credit directly 
or through a credit reporting agency. 

18.  AMENDMENTS.  We reserve the right to change any terms or conditions of this Agreement at any time, to the extent permitted by 
applicable law. We will notify you of the changes to this Agreement as required by law. 

19.  BILLING ERRORS NOTICE,  YOUR  CREDIT  CARD 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:    Oregon 
Community  Credit  Union,  Attn:  Card  Services,  P.O.  Box  84032,  Columbus,  GA  31908-4032In  your  letter,  give  us  the  following 
information: 
Account information: Your name and account number. 
• 
•  Dollar amount: The dollar amount of the suspected error. 
•  Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a 

mistake. 

You must contact us: 

•  Within 60 days after the error appeared on your statement. 
• 

At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is 
wrong. 

You  must  notify  us  of any  potential  errors  in  writing.  You  may  call us, but if  you  do,  we  are  not required to  investigate  any  potential 
errors and you may have to pay the amount in question. 
What Will Happen After We Receive Your Letter. When we receive your letter, we must do two things: 

1.  Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already 

corrected the error. 

2.  Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 

While we investigate whether or not there has been an error: 

The charge in question may remain on your statement, and we may continue to charge you interest on that amount. 

•  We cannot try to collect the amount in question or report you as delinquent on that amount. 
• 
•  While you do not have to pay the amount in question, you are responsible for the remainder of your balance. 
•  We can apply any unpaid amount against your credit limit. 

After we finish our investigation, one of two things will happen: 

• 
• 

If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. 
If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. 
We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if 
you do not pay the amount we think you owe. 

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. 
If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you  the name of 
anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between 
us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. 
Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or services that you have 
purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the  right not 
to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 

1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase 
price must have been more than $50.  (Note: Neither of these are necessary if your purchase was based on an advertisement 
we mailed to you, or if we own the company that sold you the goods or services.) 

2.  You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that 

accesses your credit card account do not qualify. 
3.  You must not yet have fully paid for the purchase. 

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the above address. While we 
investigate,  the  same  rules  apply  to  the  disputed  amount  as  discussed  above.  After  we  finish  our  investigation,  we  will  tell  you  our 
decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 

20.  ACKNOWLEDGMENT.  You understand and agree to the terms and conditions in this Agreement and the Fair Credit Billing Notice.  
You  acknowledge  that  you  have  received  a  copy  of  this  Agreement,  the  Account  Disclosure,  and  the  Fair  Credit  Billing  Notice.    This 
Agreement is a final expression of the agreement between you and the Credit Union.   

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