FR074586041_VISA Agreement 2010_2.txt

  Consumers Credit Union   

LoanLiner
  2750 Washington Street

Visa

Waukegan, Il, 60085
(877) ASK CCCU
(847) 623-9542
Fax: (847) 623-9542
www.myconsumers.org

REWARDS

VISA PLATINUM AND VISA PLATINUM REWARDS
CONSUMER CREDIT CARD AGREEMENT

 VISA PLATINUM AND VISA PLATINUM 

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 Visa credit card and any 
duplicates, renewals, or substitutions the
Credit Union issues to you; "account" means your 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

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FR074586041_VISA Agreement 2010_2.txt

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

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casino gaming chips, as applicable. This paragraph shall not be interpreted as 
permitting or authorizing any transaction
that is illegal.

FR074586041_VISA Agreement 2010_2.txt

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
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 — New purchases posted to your account during a billing cycle 
will not incur a finance charge
for that billing cycle if you had a zero or credit balance at the beginning of that 
billing cycle, or you paid the entire new
balance on the previous cycle's billing statement by the payment due date of that 
statement; otherwise a finance charge
will accrue from the date a purchase is posted to your account. 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.
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, 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 calculate the average daily balance of cash advances, we take the 

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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 — Purchases and cash advances made in foreign currencies 
will be debited from your
account in U.S. dollars. The exchange rate between the transaction currency and the 
billing currency used for processing
international transactions is a rate selected by Visa from a 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. The exchange rate used on
the processing date may differ from
the rate that would have been used on the purchase date or cardholder statement 
posting date.
A fee (finance charge), calculated in U.S. dollars, will be imposed on all multiple 
currency foreign transactions, including
purchases, cash advances and credits to your account. A fee (finance charge), 
calculated in U.S. dollars, will be imposed
on all single currency foreign transactions, including purchases, cash advances and 
credits to your account. A foreign
transaction is any transaction that you complete or a merchant completes on your 
card outside of the United States, with
the exception of U.S. military bases, U.S. territories, U.S. embassies or U.S. 
consulates. 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. If your account is subject to a Balance Transfer Fee, the 
fee 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.
e. 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

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FR074586041_VISA Agreement 2010_2.txt

forth on the Disclosure accompanying this Agreement.
f. 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.
g. 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.
h. 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.
i. 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 Visa 
Platinum, 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, all outstanding unpaid fees and charges, and any amount you are over your 
credit limit by the date specified on
the statement. For our Visa Platinum Rewards, 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, all outstanding unpaid
fees and charges, and any amount you are over your credit limit by the date 
specified on the statement. 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

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treatment under state or federal law if given as security. These other 

FR074586041_VISA Agreement 2010_2.txt

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 — You agree to 
notify us
immediately, orally or in writing, at Customer Service, PO Box 30495, Tampa, FL, 
33630 or telephone 866-839-3485
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 

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termination of the account.

FR074586041_VISA Agreement 2010_2.txt

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.

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.

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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 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.

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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:
Consumers Cooperative Credit Union
PO Box 503
Mundelein, IL 60060

You may also contact us on the Web: www.myconsumers.org
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

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FR074586041_VISA Agreement 2010_2.txt

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:

Consumers Cooperative Credit Union
PO Box 503
Mundelein, IL 60060
www.myconsumers.org

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.

©CUNA MUTUAL GROUP, 1991, 2006, 09, ALL RIGHTS RESERVED

DILGO0 (MXC500 CCM000)-e

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