agree to cooperate and assist us or any government or law enforcement agent 
or agency in investigating, collecting or pursuing any other rights (civil and 
criminal)  relating  to  any  unauthorized  use.  In  this  regard,  you  agree  to  file 
an appropriate police report when asked to do so. Do not use the Card or the 
Convenience Checks after you have notified us, even if you find them or have 
them returned to you. You are liable for all transactions that you authorize. We 
may end your credit privileges and close your Account if we consider it ap-
propriate. No Liability: You will have no liability for unauthorized use of your 
Card, Convenience Checks or other Access Devices for non-ATM transactions 
made over the Visa® or MasterCard® Network if the following conditions are 
met: (a) you have not been grossly negligent; and (b) you have not committed, 
participated in or conspired to commit any fraudulent act or scheme involving 
the use of your Visa® or MasterCard® credit card account. Limited Liability:  
For transactions on other networks or ATM transactions, you may be liable 
for unauthorized transactions using your Card, Convenience Checks or other 
Access Devices that occur before we are notified. However, your liability for 
unauthorized use on networks other than Visa® or MasterCard® will not exceed 
$500.00.  In  any  case,  you  will  not  be  liable  for  any  unauthorized  use  after 
notifying us of the loss, theft or unauthorized use of your Card, Convenience 
Checks or other Access Devices.
25. Closing or Suspending Your Account. Any individual cardholder without 
the consent of other cardholders may close your Account at any time by noti-
fying us in writing or verbally as indicated in this Agreement. We may close 
your Account or suspend your Card privileges or Convenience Checks at any 
time without prior notice. We may also reissue a different Card or different 
checks at any time. You must return the Card or the Convenience Checks to us 
upon request. You agree that the Card and all Convenience Checks remain the 
property of  us. Each Card we issue will have an expiration date. Upon expira-
tion of your Card, your Account will automatically terminate; or we, in our 
sole discretion, may extend your Agreement and issue a new Card with a new 
expiration date.  If your Account is closed, expires, or your credit privileges are 
terminated or suspended, you will remain responsible for paying all amounts 
you owe us according to the terms of this Agreement and any amendments or 
change in terms. Without limiting the foregoing, we have the right to terminate 
your line of credit and to demand the return of all Cards, Convenience Checks 
and other access devices if we, in our sole discretion, feel that it is insecure 
for any reason whatsoever, including (but not limited to) mismanagement of 
your Account, failing to safeguard any access device, creation of any credit 
balances by you that may increase the risk of loss or exposure of us or failing 
to cooperate with us or others with regard to any claim of unauthorized use or 
any other defense to payment under applicable law.
26. Credit Information. You authorize us to investigate your credit standing 
when opening or reviewing your Account. In assessing any increase to your 
credit line under the provisions in this section, we may, and you authorize us to, 
review your credit history, including consumer credit reports. You authorize  us 
to disclose information regarding your Account to credit bureaus and creditors 
who inquire about your credit standing. If you think we have reported informa-
tion to a credit reporting agency that is not correct, you may write to us using 
the Credit Union Member Services address listed on your billing statement. 
Please include your name, address, Account number, telephone number, and 
a brief description of the problem and a copy of the credit reporting agency 
report if you have it. We will investigate the matter. If our investigation shows 
that you are right, we will contact each credit reporting agency to which we 
reported the information and will request they correct the report. If we disagree 
with you after our investigation, we will tell you in writing or by telephone. 
27. Communications/Change of Information. We can provide cards, billing 
statements and other communications to you at any mailing address or email 
address shown in our records. If you change your contact information such 
as any mailing address, telephone number or email address, you must notify 
us immediately in writing at the address shown on your billing statement. We 
may obtain mailing address and email address information from you or third 
parties, and we may accept mailing address corrections from the United States 
Postal Service. If more than one person is responsible for this Account, we can 
provide billing statements and communications to any of you. Notice to one of 
you will be considered notice to all of you. You all will remain obligated on the 
Account. You agree to pay any fee(s) for incoming communications from us, 
and/or outgoing communications to us, without reimbursement from us. You 

authorize us, or anyone acting on our behalf, to call, email, or send a text message 
using information you provide or to any number where we reasonably believe we 
can contact you. These include calls to mobile, cellular, or similar devices, and 
calls using automatic telephone dialing systems and/or prerecorded messages. We 
may also send an email to any address where we reasonably believe we can contact 
you. Some of the legal purposes for calls and messages include: suspected fraud or 
identity theft; obtaining information; transactions on or servicing of your Account.
28. Telephone Monitoring and Recording. We and our agents may listen to and 
record your telephone calls with us. You agree that we and our agents may do so, 
whether you or we initiate the telephone call.
29. Agreement. This Agreement is the contract that applies to all transactions 
on  your Account,  even  though  the  Purchases,  Cash Advances,  credits  or  other 
slips you sign or receive may contain different terms. You agree to all the terms 
and fees contained in the “Credit Disclosure.” We have the right to change the 
terms of the Agreement for any reason, and in any respect, by adding, deleting or 
modifying any provision, including APRs, fees, the Minimum Payment and other 
terms. We can add a new provision without regard to whether the provision deals 
with a matter already addressed by this Agreement. In certain circumstances, we 
are required by law to notify you of changes to the terms of this Agreement, and 
in other circumstances we may not be required to do so. When required by law 
to advise you that you have a legal right to reject any changes we make, we will 
provide an explanation about how to do that. In some circumstances, APRs or other 
aspects of your Account may change even though the terms of the Account do not 
change, for example when the Prime Rate changes or a promotional period ends.
30. Assignment. We may assign your Account, any amounts you owe us, or any 
of our rights and obligations under this Agreement to a third party. The assignee 
will be entitled to any of our rights that we assign to that person.
31. No Waiver. The Credit Union can delay enforcing any of its rights any number 
of times without losing them. 
32. Additional Benefits/Card Enhancements. The Credit Union may from time 
to time offer additional services to your Account, such as travel accident insur-
ance, purchase rewards or rebates at no additional cost to you. You understand 
that the Credit Union is not obligated to continue or to offer such services and 
may withdraw or change them at any time. If these benefits are withdrawn prior 
to any accrued use by you, the Credit Union will have no obligation to provide 
the benefit or enhancement, or any other compensation or consideration. 
33. Personal Identification Number (PIN). We will furnish you with a Personal 
Identification Number (PIN). You agree to keep the PIN confidential. You also 
agree you won’t write the PIN on the Visa® or MasterCard® credit card or anything 
you keep with the Visa® or MasterCard® credit card. You agree that your use of the 
PIN and Visa® or MasterCard® credit card in getting a Cash Advance constitutes 
your signature for purposes of such a transaction. 
34. Governing Law. The terms and enforcement of the Agreement and your Ac-
count shall be governed and interpreted in accordance with federal law, and to the 
extent state law applies without regard to conflict-of-law principles.
35. For Information. Please call the Credit Union Member Services telephone 
number on your card or billing statement if you have any questions about your 
Account or this Agreement.

YOUR BILLING RIGHTS
KEEP THIS NOTICE FOR FUTURE USE

CREDIT CARD
AGREEMENT  AND  DISCLOSURE

This notice contains important information about your rights and our respon-
sibilities under the Fair Credit Billing Act. 

Notify Us In Case of Errors or Questions About Your Bill.

 If you think your bill is wrong, or if you need more information about a transac-
tion on your bill, write us on a separate sheet at the address listed on your bill. 
Write us as soon as possible. We must hear from you no later than sixty (60) 
days after we send you the first bill on which the error or problem appeared. 
You can telephone us, but doing so will not preserve your rights. In your letter, 
give us the following information: 
• Your name and Account number.
• The dollar amount of the suspected error.
• Describe the error and explain, if you can, why you believe there is an error.  
If you need more information, describe the item you are not sure about.

If  you  have  authorized  us  to  pay  your  credit  card  bill  automatically  from 
your savings or share draft account, you can stop the payment on any amount 
you think is wrong. To stop the payment, your letter must reach us three (3) 
business days before the automatic payment is scheduled to occur. 

Your Rights and Our Responsibilities After We Receive Your Written Notice 

We must acknowledge your letter within thirty (30) days, unless we have cor-
rected the error by then. Within ninety (90) days, we must either correct the error 
or explain why we believe the bill was correct. After we receive your letter, we 
cannot try to collect any amount you question, or report you as delinquent. We 
can continue to bill you for the amount you question, including Finance Charges, 
and we can apply any unpaid amount against your credit limit. You do not have 
to pay any questioned amount; you will have to make up any missed payments 
on the questioned amount. In either case, we will send you a statement of the 
amount you owe and the date that it is due. If you fail to pay the amount that 
we think you owe, we may report you as delinquent. However, if our explana-
tion does not satisfy you and you write to us within ten (10) days telling us 
that you still refuse to pay, we must tell anyone we report you to that you have 
a question about your bill. We must tell you the name of anyone we reported 
you to. We tell anyone we report to that the matter has been settled between us 
when resolved. If we don’t follow these rules, we can’t collect the first $50.00 
of the questioned amount, even if your bill was correct. 

Special Rule for Credit Card Purchases. If you have a problem with the quality 
of property or services that you purchased with your 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 property or services. There are two 
(2) limitations on this right: (a) You must have made the Purchase in your home 
state, or if not within your home state, within 100 miles of your current mailing 
address; or (b) The purchase price must have been more than $50.00. These 
limitations do not apply if we own or operate the merchant, or if we mailed you 
the advertisement for the property or services.

11/15

G-16105

In this Agreement the words you and your mean each and all of those who receive 
this Agreement. Card means a Visa® or MasterCard® credit card and any duplicates 
and renewals the Credit Union issues. Account means your Visa® or MasterCard® 
credit card limit or credit account with the Credit Union. We (Us) means the Credit 
Union whose name appears on the application, agreement, credit card, or monthly 
billing statement. In addition to this Agreement you agree that your Account will 
also be subject to all rules and regulations of Visa® or MasterCard® U.S.A., Inc. 
as applicable, which are incorporated herein by reference. If there is any conflict 
between this Agreement and the rules and regulations of Visa® or MasterCard® 
U.S.A., Inc. the rules and regulations of Visa® or MasterCard® U.S.A., Inc. will 
control, as applicable.
1. Using this Card. You must sign the Card in order to use it. Your Account is to be 
used only for personal, family, or household purposes. You may use the Card issued 
to you to make Purchases in person, over the Internet, and by mail or telephone 
from merchants and others who accept Visa® or MasterCard® credit cards and Cash 
Advances, which includes the use of a Personal Identification Number (PIN) at an 
Automated Teller Machine (ATM). Certain Purchases and Cash Advances require 
authorization prior to completion of the transaction. In some cases, you may be 
asked to provide identification. If our system is not working, we may not be able 
to authorize a transaction, even though you have sufficient credit available. Also, 
for security reasons, we may block the use of your Card in certain countries or 
geographic areas. We will have no liability to you or others if any of these events 
occur. We are not responsible for any losses if a transaction on your Account is 
declined for any reason, either by us or a third party. We reserve the right to refuse 
to honor any request for credit, to reduce your Credit Limit or terminate your Ac-
count at any time using our sole discretion, based on changes in the economy, the 
Credit Union’s financial condition, your creditworthiness or for any other reason 
not prohibited by law.  
2. Authorized Users. You agree to pay all charges (Purchases and Cash Advances)  
made by you or anyone who you authorize to use your Account. If you let anyone 
use your Account, that person is an authorized user. You are responsible for all 
use of your Account including charges by authorized users. You must tell us if 
you want to stop an authorized user from using your Account. If you do, we may 
close the Account and issue a new Card(s) with a different Account number. It is 
your responsibility to get any Cards, checks or any other means of access to your 
Account from the authorized user and destroy them or return them to us upon 
request. Your obligation to pay the amount owed on your Account continues until 
paid in full even though an agreement, divorce decree or other court judgment to 
which we are not a party may direct someone else to pay the Account balance. If 
more than one person signs the application, each is individually responsible for 
all amounts owed on the Account and all are jointly responsible for all amounts 
owed. This means we can enforce this Agreement against any of you individually 
or all of you together.   
3. Billing Statements. Your Account will have time periods called "billing cycles". 
Each billing cycle is about one month in length. We will provide you a billing 
statement each month one is required by applicable law. Your billing statement 
will show an itemized list of current charges posted to your Account, your new 
balance, any Finance Charges, the minimum payment due, and the payment due 
date. In addition, it will show your current credit line, payments, and credits, a 
summary showing your Purchases and Cash Advances, the merchant, electronic 
terminal or financial institution at which transactions were made, as well as other 
information concerning your Account. 
4. E-Statements. If provided electronically, statements will be: (a) e-mailed to you 
as an attachment; or (b) you will be sent a notice via e-mail that will direct you to 
a site we maintain or cause to be maintained where you may access, review, print 
and otherwise copy/download your periodic statements using procedures that we 
authorize. E-mails from us will be sent to the e-mail address provided by you. 
Statements and notices will be mailed to you at the most recent address you have 
given the Credit Union. Notices sent to any one of you will be considered notice 
to all. 
5.  Finance  Charges. The  term  Finance  Charge  refers  to  the  interest  based  on 
the application of a periodic rate. Separate Finance Charges for Purchases and 
Cash Advances are determined by multiplying the monthly periodic rate by the 
separate "average daily balances" for Purchases and Cash Advances. Each "aver-

 
 
 
 
 
 
 
 
 
 
 
 
age daily balance" is determined by taking the beginning balance (of Purchases 
or Cash Advances) of your Account each day, adding any new Purchases or Cash 
Advances (whichever is applicable) and subtracting any payments or credits. The 
results are the daily balances. We treat any net credit balance as a zero balance. 
This gives us the daily balance for each transaction type each day in the billing 
cycle. The total periodic interest charges for the billing cycle are the sum of the 
daily periodic interest charges for each transaction type for each day during that 
billing cycle. All the daily balances for the billing cycle are added and the total is 
divided by the number of days in the billing cycle to arrive at the "average daily 
balance" for the cycle. Cash Advances are always subject to Finance Charge from 
the date they are posted to your Account. If any periodic interest charge is due, 
we may charge you at least the minimum interest charge, plus any other finance 
charges (for example, transaction fees). If a grace period applies:
(a) Purchases. A Finance Charge will be imposed on Purchases posted during 
a  Billing  Cycle  when  the  Previous  Balance  is  not  paid  in  full  within  the  first 
twenty-five (25) days of the billing cycle. A Finance Charge will also be imposed 
on Purchases included in the New Balance when the New Balance is not paid in 
full within twenty-five (25) days after the billing cycle Closing Date. 
(b) Cash Advances. A Finance Charge will be imposed on Cash Advances from 
the date the transaction is posted to your account. The Finance Charge accrued on 
Cash Advances between the Closing Date of the billing cycle and the date your 
Account is credited will appear on your next statement. There is no time period 
within which to pay to avoid a Finance Charge.
6. Credit Line. We also call this a “credit limit”. We will assign a credit line to 
your Account. Your billing statement will show the amount of your credit line as 
of the date of the statement. If your Account goes overlimit, you must repay the 
overlimit amount when it is billed on your monthly billing statement, or sooner 
if  we  ask  you  to. We  may,  but  are  not  obligated  to,  allow  your Account  to  go 
over its credit line. We may change or cancel your credit line without telling you 
ahead of time. If we do, it will not excuse you from your obligation to pay us. We 
may restrict the extent to which your credit line can be used for different types of 
transactions (for example, Purchases, Balance Transfers, and/or Cash Advances) 
such as by limiting the dollar amount, uses per day, or time period available for 
any such transaction, and we may completely prohibit use of your credit line for 
particular types of transactions. Any increase in your credit line requested by you 
may require you to make a new application for our approval. In assessing your 
credit line under the provisions in this Section (either at our discretion or upon 
request): (a) we may, and you authorize us to, review your credit history, includ-
ing consumer credit reports; (b) you authorize us to have this review made by 
third parties to determine whether you meet the criteria we have set for such an 
increase; and (c) this process shall not be pre-screening in the Fair Credit Report-
ing Act or other applicable laws or regulations based on our existing relationship 
and this Agreement.
7. Balance Transfers. In our discretion, we may allow you to transfer balances 
from  other  accounts  or  loans  from  other  credit  card  companies,  other  lenders 
or other balance transfers we may allow, using balance transfer checks we may 
provide, or by calling us to make the transfer on your behalf. Those uses are "bal-
ance transfers". You are not authorized to transfer balances to this Account from 
other accounts or loans with us. If you request a balance transfer, but do not have 
enough available credit, we may transfer only a part of the requested amount.
8. Money Transfer  Services.  If  you  receive  any  transmittal  amount  from  any 
Money  Transfer  Service  (MTS)  provider  you  agree  not  to  receive  more  than 
$2,500 per day or more than $10,000 per month.  We may increase or decrease 
these  limits  from  time  to  time  in  our  sole  discretion.    We  reserve  the  right  to 
accept or reject any MTS request in our sole discretion.  Each transmittal amount 
that is sent to your Card will generally be posted to your Card within two (2) 
business days after we receive the transmittal amount from the Sender.
9. Types of Checks. In our discretion, we may issue you Balance Transfer checks 
or Cash Advance checks. We may also call them “convenience checks”. The check 
must be signed by the person whose name is printed on it. When we receive a 
convenience check for payment, we may review your Account to decide whether 
to pay that check. We have the right not to pay a check for any reason, including 
(but not limited to) the following examples: (a) we are the payee on the check; (b) 
the check is post-dated (if a post-dated check is paid, resulting in another check 
being returned or not paid, we are not responsible); (c) you have used the check 
after the date specified on it; or (d) you are in default (including exceeding your 
credit line) or would be if we paid the check. 

10. Promotions. We may make special offers for you to use your Account. If we 
do, we will tell you how those offers will work and how long they will last. Any 
special offer is subject to the terms of this Agreement, unless we explain otherwise 
in the offer.   
11. Additional Grace Period for Purchases. In addition to your existing Grace 
Period, we are adding a provision that provides for an additional interest-free period 
for portions of your Purchase balance, based on timely payments in a billing cycle 
in which you transition from having paid in full in the previous billing cycle to 
a billing cycle in which you do not pay in full. Those portions of your Purchase 
balance eligible for this Grace Period will be excluded from the balance subject 
to Finance Charge. 
12. Monthly Payment. Each month you must pay at least the minimum payment 
due on your billing statement by the due date specified. If you make extra payments 
or larger payments, you are still required to make at least the minimum payment 
each month your Account has a balance. In addition, at any time your Total New 
Balance  exceeds  your  credit  line,  you  must  immediately  pay  the  amount  over 
your credit line. We may increase the minimum payment due on promotional and/
or protected balances. The minimum payment due on these balances will not be 
greater than double the standard minimum payment percentage as indicated on 
the credit disclosure. The minimum payments for these balances will be calculated 
separately and added to the standard minimum payment calculation.
13. Payment Instructions. You agree to pay us amounts you owe in U.S. dollars. 
You must use a check, money order or electronic debit drawn on a U.S. bank or 
a foreign bank branch in the U.S. We will not accept cash payments through the 
mail. When we receive or apply a payment, we might not restore your available 
credit by that amount for up to five (5) days. For mailed payments, your billing 
statement and the envelope it comes in gives you instructions about how, when and 
where to make your payments. You must follow these instructions. Your payments 
will not be credited to your Account before we receive it at the address we specify 
for receipt of payments and in accordance with the payment instructions. If you 
make a payment marked as paid in full or indicate that it is to pay all amounts you 
owe us, we may accept this payment and not agree that it pays all amounts you 
owe on your Account. Also, we may return this payment to you and you will still 
owe us the amount of the payment or any other amounts owed on your Account. 
You authorize us to collect any payment check either electronically or by draft. 
Funds may be taken from your financial institution account on the same day we 
receive your payment. We will keep an electronic copy of your check and securely 
destroy the original check. We may allow you to make payments electronically 
through our credit card web site or with our Member Service Representatives, 
or by using our Autopay feature. We will provide the terms for these payment 
services before you use them.
14. Payment Allocation. Unless applicable laws specifically require otherwise, we 
credit payments as of the date received, if the payment is: (a) delivered by 5 p.m. 
Eastern Time (ET) at the address shown on the remittance slip on the front of your 
monthly statement; (b) paid with a check drawn in U.S. dollars on a U.S. financial 
institution or a U.S. dollar money order; (c) sent in the return envelope with only 
the remittance portion of your statement accompanying it; (d) made by electronic 
means through our credit card web site by 6 p.m. ET; or (e) made in person at a 
branch location by branch closing or 5 p.m. local time. Payments received after 5 
p.m. on any day including the Payment Due Date, but that otherwise meet the above 
requirements, will be credited as of the next day. Credit for any other payments 
may be delayed. Payment amounts in excess of your Total Minimum Payment Due 
will be applied to balances with higher Annual Percentage Rates (APRs) before 
balances with lower APRs. Your Payment Due Date will be at least 25 days from 
your statement Closing Date. We will not charge you any interest on Purchases if 
you pay your entire balance by the due date each month.  
15.    Skip  Payment  Option.  In  our  discretion,  we  may  offer  you  the  opportu-
nity to not make (“Skip”) a minimum payment during certain designated billing 
cycles (“Skip Payment Period”). If you do not make your minimum payment as 
provided in this Agreement, during such designated billing cycle, you understand 
that we will continue to apply Finance Charges to your Account. Beginning with 
the billing cycle following an allowed Skip Payment Period, all other provisions 
of this Agreement will apply. We have no obligation to accept your application 
for any Skip Payment Period offered, and you authorize us to investigate your 
creditworthiness including obtaining consumer credit reports. We may charge you 
a skip pay fee for each Skip Payment Period that we may offer to cover our cost 
of investigating your qualifications for this extension, including (but not limited 

to) the costs associated with researching your creditworthiness. The payoff table 
on your monthly statement for the skip payment month may reflect a negative 
amortization.   
16. General Terms Governing Your Payments. To protect you and us, the Credit 
Union, in its sole discretion, may place a temporary freeze on all or part of the credit 
available to you for new Purchases or Cash Advances, under this Agreement any 
time the Credit Union receives a large payment. In such cases, the Credit Union 
may freeze your credit limit until payment is actually collected by the Credit Union. 
17. Automatic Charges. You may allow others to automatically charge repeat 
transactions to your Account. You will be responsible for making new arrange-
ments to make those payments if they are stopped for any reasons, such as: your 
Account is closed or suspended, or your Account number changes.
18. Default. Your Account may be in default if any of the following applies: (a) 
we do not receive at least the Minimum Payment by the date and time due as 
shown on your billing statement; (b) you exceed your credit line; (c) you fail to 
comply with the terms of this Agreement or any other agreement with us or one 
of our related companies; (d) we obtain information that causes us to believe that 
you may be unwilling or unable to pay your debts to us or to others on time; (e) 
you file for bankruptcy; or (f) you become incapacitated or die. If your Account 
is in default, we may close your Account without notice and require you to pay 
your unpaid balance immediately. To the extent permitted by law, if any legal 
action is required to enforce any provision of the Disclosure and Agreement or 
to recover money owed by you, you agree to pay all costs, including collection 
costs, attorney’s fees, court costs, and any other charges incurred while enforcing 
our rights under this Agreement.
19. Variable Rates. If you have an APR that varies with changes to the Prime Rate, 
we calculate the APR by adding a margin to the highest U.S. Prime Rate published 
in the "Money Rates" section of The Wall Street Journal. A "business day" is any 
day that is not a weekend or federal holiday. The APR will change if the Prime 
Rate changes. If the APR increases, you will pay a higher interest charge and may 
pay a higher Minimum Payment. The Prime Rate is simply a pricing index and is 
not the lowest interest rate available. If The Wall Street Journal stops publishing 
the Prime Rate, we will select a similar reference rate at our discretion.
20. Fees and Charges. Fees and charges that will be added are as shown in the 
“Credit Disclosure”.
(a) Annual Membership Fee. If your Account has an annual fee or similar charge, 
it will be billed each year or in installments whether or not you use your Account, 
and you agree to pay it when billed. The annual fee is non-refundable unless you 
notify us that you wish to close your Account within 30 days of our providing 
the statement on which the annual fee is billed, and at the same time, you pay 
your outstanding balance in full. Your payment of the annual fee does not affect 
our rights to close your Account and to limit your right to make transactions on 
your Account. If your Account is closed by you or us, we will continue to charge 
the annual fee until you pay your outstanding balance in full and terminate your 
Account relationship.
(b) Transactions  in a Foreign Currency and  “Cross-Border’ Transactions. 
Currency  Conversion  Fee:  If  you  effect  or  authorize  a  transaction  with  your 
card in a currency other then U.S. Dollars, Visa® or MasterCard® will convert the 
charge into a U.S. Dollar amount. The Visa® or MasterCard® currency conversion 
procedure  includes  use  of  either  a  government-mandated  exchange  rate,  or  a 
wholesale exchange rate, as applicable. The exchange rate Visa® or MasterCard® 
uses will be a rate in effect on the day the transaction is processed. This rate may 
differ from the rate in effect on the date of the purchase or the date the transaction 
was posted to your account. A Currency Conversion Fee will be applied to trans-
actions that are converted from foreign currencies to U.S. Dollars. The Currency 
Conversion Fee, if it applies to the transaction, will be shown on your statement. 
Cross-Border Transaction Fee: In addition, Visa® or MasterCard® charges us a 
Cross-Border Assessment on each transaction on all Cross-Border transactions 
regardless of whether there is a currency conversion. For purposes of this section, 
“Cross-Border Transaction” shall include both (a) transactions initiated in a foreign 
country which are subsequently settled in the United States, and (b) transactions 
initiated in the United States, but which are ultimately settled in a county outside 
of the United States. We will assess these fees to you to reimburse us for the fee 
we are required to pay for each of your transactions subject to these terms. The 
Cross-Border transaction fee will be shown on your statement.
(c) Late Fee. We may charge a late fee if we do not receive at least the required 
Minimum Payment for any billing cycle by the date and time it is due. If the amount 

of the late fee is based on a balance, we will use the total Account balance at the 
end of the day that the late fee is charged to calculate the fee. This date may be as 
early as the due date for the late payment.
(d) Minimum Interest Charge. We may charge no less than the minimum interest 
charge if any periodic interest charge is due for a billing cycle.
(e) Overlimit Fee. If you agree to allow us to charge overlimit fees, we may charge 
such a fee to the extent allowed by law when your Account goes overlimit. We 
may charge this fee even though your balance is over the credit line because of a 
transaction we allowed. You have the right to withdraw your consent to our charg-
ing the overlimit fee at any time. If you do so, we will stop charging you the fee.
(f) Return Payment Fee. We may charge a return payment fee if your financial 
institution does not honor the payment you made to pay amounts you owe under this 
Agreement, if we stop payment on a cash advance check or balance transfer check 
at your request or we refuse to pay a cash advance check or balance transfer check.
(g) Additional/Replacement Card Fee. We may charge a fee if you request two 
or more cards or any special services (for example, obtaining cards on an expedited 
basis). Service fees may change from time to time. We will inform you of the fee 
in effect prior to when the applicable service is provided.
(h) Transaction Fees for Balance Transfers and Cash Advances. We may charge 
you transaction fees for Balance Transfers and Cash Advances. These transactions 
fees are Finance Charges and are added to the balance for the applicable category 
of Balance Transfers or Cash Advances as of the date of that transactions.
(i) Copies of Documents. We may charge a fee if you request a copy of a billing 
statement, sales draft or other record of your Account. However, we will not charge 
fees for copies of documents requested for a billing dispute..
21. Illegal Transactions. You warrant and agree that your Credit Card, other ac-
cess device or any related account will not be used to make or facilitate any illegal 
transaction(s) as determined by applicable law, and that any such use, including 
any such authorized use, will constitute an event of default under this Agreement. 
Certain federal and/or state laws or Visa® or MasterCard® Association Rules may 
limit or prohibit certain transactions such as (but not limited to) those coded as 
possible  gambling  transactions. We  may  decline  to  accept,  process  or  pay  any 
transaction that we believe to be illegal or unenforceable (regarding your obliga-
tion to pay us or otherwise) under applicable law, or which is otherwise limited or 
prohibited, including (but not limited to) any transaction involving or relating to 
any gambling activity. Such limitations or prohibitions may affect some otherwise 
proper or allowable transactions such as charges incurred at a hotel-casino. You 
understand and agree such limitations/prohibitions are not within our control and 
that we will not have any liability, responsibility or culpability whatsoever for any 
such use by you or any authorized user(s), or for declining to accept, process, or 
pay any such transaction. You further agree to indemnify and hold us harmless 
from any suits, liability, damages or adverse action of any kind that results directly 
or indirectly from any such use of your Account and/or access devices. 
22. Returns and Adjustments. Merchants and others who honor the Card may 
give credit for returns or adjustments, and they will do so by sending us a credit 
which will be posted to your Account. If your credits and payments exceed what you 
owe us, the amount will be applied against future Purchases and Cash Advances. 
A credit balance does not increase your available credit. If the amount is $1.00 or 
more, it will be refunded upon your request or automatically no later than six (6) 
months after the posting date. 
23. Merchant Disputes. We are not responsible for the refusal of any merchant 
or financial institution to honor the 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 we sent or participated in sending to 
you, or (b) your Purchase costs more than $50.00 and was made in your state or 
within 100 miles of your home.
24.  Responsibility  and  Liability.  You  may  be  liable  for  the  unauthorized  use 
of your Credit Card. If you lose or someone steals your card or any other means 
to access your Account, or if you think someone has used your Account without 
your  permission,  immediately  inform  the  Credit  Union. You  will  not  be  liable 
for unauthorized use that occurs after you notify the Credit Union orally or in 
writing of the loss, theft, or possible unauthorized use at Customer Service, P.O. 
Box 31112, Tampa, FL, 33631-3112, or 1-855-522-2078. If notice is given orally, 
you will promptly confirm it in writing. We may require you to provide us certain 
information in writing to help us investigate any unauthorized use. Further, you