United States Senate 
Federal Credit Union 

MEMBER/BORROWER(S) NAME AND ADDRESS 
John Sample                   Jane Sample 
123 Main Street 
Anywhere, USA 00001 

CREDIT CARD AGREEMENT 
AND DISCLOSURE 
Variable Rate 

ACCOUNT/MEMBER NO. 
00000000 

DATE 
01/01/13 

CREDIT LIMIT 
$ 0 

Interest Rates and Interest Charges 

 VISA Smart Rate      VISA Smart Rewards 

ANNUAL PERCENTAGE RATE 
for Purchases 

    9.25        % 
This APR will vary with the market based on the Prime Rate. 

ANNUAL PERCENTAGE RATE 
for Balance Transfers 

      9.25           % 
This APR will vary with the market based on the Prime Rate. 

ANNUAL PERCENTAGE RATE 
for Cash Advances 

      9.25           % 
This APR will vary with the market based on the Prime Rate. 

Minimum Interest Charge 

None 

Paying Interest 

For Credit Card Tips from 
The Consumer Financial 
Protection Bureau 

FEES 
Set-up And Maintenance Fees 

Your due date is at least 25 days after the close of each billing cycle. We will not charge 
you any interest on purchases if you pay your entire balance by the due date each 
month. We will begin charging interest on cash advances and balance transfers on the 
transaction date. 
To learn more about factors to consider when applying for or using a credit card, visit the 
website of the Consumer Financial Protection Bureau at: 
http://www.consumerfinance.gov/learnmore 

Annual Fee 
Document Copy Fee 

None 
$20.00 for each copy of a merchant draft. 

Transaction Fees 

Cash Advance & Balance 

Transfers 

Foreign Transactions 

Penalty Fees 

Late Payment 
Returned Payment 

None 
1% of the transaction amount. 

Up to $35.00 if your payment is received after the due date. 
Up to $35.00 for each returned payment. 

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new purchases)”. See your account agreement for more details. 
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Account agreement. 
Periodic Rate: 
The Purchase, Cash Advance and Balance Transfer daily periodic rate is       0.02534             % 
Margin: 
The Purchase, Cash Advance and Balance Transfer margin is      6.00                % 

2010 ConmarSystems, Inc., Peachtree City, GA  30269 E-FORM 17041-6 Rev 12/12 

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CREDIT CARD AGREEMENT AND DISCLOSURE (continued) 

This Agreement will establish the terms and conditions of your credit card agreement with United States Senate Federal Credit Union. In this agreement, the words "you" and "your" mean any 
person receiving and using the card and that by using the card for the first time "you" agree to all terms and conditions in this agreement. "Card" means the VISA Smart Rate or VISA Smart Rewards 
credit card and any duplicates and renewals the Credit Union issues. "Account" means your VISA Smart Rate or VISA Smart Rewards credit card account with the Credit Union. "Credit Union," "we," 
"us," and "our" mean United States Senate Federal Credit Union. You must be a member of the Credit Union to apply for a credit card. Except to the extent that Federal Law is applicable, the laws of 
the Commonweatlh of Virginia shall govern the validity, construction and enforcement of this Agreement and all matters arising out of the issuance and use of the Card. 

USING THE ACCOUNT: Upon your approval for an account, the Credit Union will establish a 
line of credit for you. Notification of your limit will be made when the card is sent to you. You 
agree not to let your account balance exceed your approved credit limit. 
RESPONSIBILITY: You promise to pay any and all charges incurred by you or by any person 
whom you authorize to use the Credit Card issued to you, and any fees or charges incurred in 
the  recovery  of  a  credit  card,  retrieval  of  transaction  data,  or  collection  of  this  account  in 
accordance  with  the  terms  and  conditions  issued  by  VISA  International,  Inc.,  and  in 
accordance with the policies established by the Credit Union. 
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 the Credit Union is not 
a party may direct someone else to pay the account balance. 
JOINT  ACCOUNT:  If  more  than  one  person  applies  for  the  card  each  is  individually 
responsible for all amounts owed on the account and is jointly and severally responsible for all 
amounts owed. This means the Credit Union can enforce the Agreement against any of you 
individually or all of you together. Each may obtain credit advances without the knowledge of 
the other  and  both  are  obligated  to  repay  all  advances  made  to  the  account. You  agree to 
notify the Credit Union of any address change. 
USING THE CARD:  You may use  the  card  issued  to  you  to  make purchases  from anyone 
who accepts VISA Credit Cards. You may also obtain cash advances from the Credit Union, 
from other  financial  institutions  participating  in  the  VISA  program  and  from automated  teller 
machines (ATM's) that provide access to the VISA system. Your VISA Personal Identification 
Number (PIN) is needed to obtain cash advance from an ATM. You agree not to use the card 
for any illegal transactions such as advances for gambling or wagering where these practices 
are in violation of the law. 
VARIABLE RATE: Your account is subject to a Variable Rate which is based on the highest 
Prime Rate as published in the Money Rates Section of The Wall Street Journal (“Index”) in 
effect on the last day of each calendar quarter plus our Margin. The Index plus the Margin 
equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 
first day of the next billing cycle following the change. Increases or decreases in the Interest 
Rate will result in like increases or decreases in the Finance Charge and will affect the amount 
of your regularly scheduled payments that you will be required to make. 
There is no limit on the amount by which the annual percentage rate can change during any 
change date other than the maximum and minimum Annual Percentage Rates. The maximum 
ANNUAL PERCENTAGE RATE that can apply is    18.00          %.  

FINANCE CHARGES: The monthly periodic rate assessed on your account is based on an 
annual  percentage  rate  corresponding  to  a  daily  periodic  rate  and  the  type  of  account.  A 
Finance Charge will be imposed on Credit Purchases only if you elect not to pay the entire 
New Balance shown on your monthly statement for the previous billing cycle within 25 days 
from the date of that statement. If you elect not to pay the entire new balance shown on your 
previous monthly statement within that 25 day period, a Finance Charge will be imposed on 
the unpaid average daily balance of such Credit Purchases from the date of posting to your 
account during the current billing cycle, and will continue to accrue until the date of the billing 
cycle preceding the date on which the entire New Balance is paid in full or until the date of 
payment if more than 25 days from the closing date. Cash Advances are always subject to 
a Finance Charge from the date they are posted to your account and are not subject to 
the 25-day grace period. 
Balance  Subject  to  Finance  Charges:  The  balances  subject  to  finance  charge  are  the 
average  daily  transaction  balances  outstanding  during  the  month  (new  and  previous).  The 
Average Daily Balance is determined by adding, after subtracting all payments, credits, and 
cash  advances  for  the  billing  period  in which  they  were  made,  all  the  outstanding advance 
balances and billed but unpaid finance charges for each calendar day of the billing period and 
then dividing the total by the number of days in that billing period. Purchases posted to your 
Account  during  the billing  period  are  included only  if  the  “New Balance” on  your previously 
assessed bill was not paid in full by the grace period. 
OTHER CHARGES: a) $10 for each replacement Card, b) $20 for each VISA merchant draft 
that you request; and c) Up to $35 for each returned payment. The fees and charges will be 
handled by the Credit Union as an adjustment to the account balance and will not be charged 
a Finance Charge. 
LATE CHARGE: If your payment is received after the payment due date, you will be charged 
up to $35. 
MONTHLY PAYMENTS: Each payment you make on the account will restore your credit limit 
by the amount of the payment that is applied to the principal amount of purchases and cash 
advances. At any time your total new balance exceeds your credit limit, you must immediately 
pay the amount over your credit limit. 
A PAYMENT IS REQUIRED EACH MONTH:  You must pay at least the minimum payment 
shown on your statement by the date specified on your monthly statement. You can repay any 
outstanding balance prior to maturity in whole or in part at your option without penalty. Your 
monthly payment must be made directly to the address shown on your statement. If available, 
you may have your minimum payment automatically deducted from your checking or savings 
account.  Payments  received  after  9:00  PM  (Eastern  Time)  each  day  will  be  considered 
received on the next business day. 
The minimum periodic payment required for VISA Smart Rate and VISA Smart Rewards will 
be either (a) 2.25% of your total new balance, minimum of $15 or (b) your total new balance if 
it is less than $15, plus (c) any portion of minimum payments shown on prior statements which 
remain  unpaid  and  any  other  applicable  charges.  You  will  also  be  required  to  pay  any 
amounts over your credit limit or past due amounts. 

VISA Smart Rate and VISA Smart Rewards payments will be applied first to billed fees, then 
to any previously billed and unpaid Finance Charges on purchases and cash advances, then 
to the principal balance of purchases in the order they were posted to your account and then 
to the principal balance of cash advances. If two or more purchases were posted on the same 
day, your payment will be applied to the lowest amount first.  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. You understand that any payment that delays the repayment of Your unpaid 
balance will increase Your Finance Charge and any payment that accelerates the reduction of 
Your unpaid balance will decrease Your Finance Charges. 
CREDIT BALANCES: If there is a credit balance due you, you may request in writing a full 
refund of this credit balance at our address shown in this Agreement. 
SECURITY: You grant us a security interest under the Uniform Commercial Code and under 
any common law rights the Credit Union may have in any goods you purchase. If you give the 
Credit Union a specific pledge of shares by signing a separate pledge of shares, your pledged 
shares will secure your account. You may not withdraw amounts that have been specifically 
pledged  to  secure  your  account  until  the  Credit  Union  agrees  to  release  all  or  part  of  the 
pledged amount. 

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

CROSS-COLLATERAL: If you have other loans with us, or take out other loans with us in the 
future, collateral securing those loans will also secure your obligations under this Agreement. 
However, unless you expressly agree otherwise, no dwelling secures your obligation. 
DEFAULT:  You  will  be  in  default:  (1)  if  you  fail  to  make  any  minimum  payment  or  other 
required payment by the date that it is due, (2) if you break any promise you make under this 
Agreement, (3) if you die, file for bankruptcy or become insolvent, that is, unable to pay your 
obligations  when  they  become  due,  (4)  if  any  attachment  or  garnishment  proceedings  are 
initiated against you or your property, (5) if you default on any other indebtedness to the Credit 
Union,  (6)  if  you make any  false  or  misleading  statement  in  any  credit  application  or  credit 
update, or (7) 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 notice. If immediate payment is demanded, you will continue to 
pay  Finance  Charges,  at  the  periodic  rate  charged  before  default,  until  what  you  owe  has 
been paid, and any shares that were given as security will be applied towards what you owe.  
If collections efforts are required by the Credit Union, you agree to pay all costs and expenses 
incurred in the collection of any sum due, and in addition, if the holder hereof, after default, 
shall  place  this  note  in  the  hands of  an attorney  or  collection agency,  for  collection,  to pay 
reasonable attorney’s fees, interest and fines due on this note at the time of the employment 
of such attorney or collection agency. 
CREDIT  INFORMATION:  You  understand  that  the  Credit  Union  will  review  your  accounts 
periodically,  and  you  hereby  give  your  permission  to,  and  authorize  the  Credit  Union  to 
investigate  and  reassess  your  creditworthiness.  You  authorize  the  Credit  Union  to  obtain 
information concerning your credit history from all available sources now and in the future. You 
authorize the Credit Union to disclose information regarding your account to credit bureaus and 
creditors who inquire about your credit standing. 
LIABILITY FOR UNAUTHORIZED USE: You may be liable for the unauthorized use of the card. 
You  will  not  be  liable  for  unauthorized  use  that  occurs  after  the  issuer  is  notified,  orally  or  in 
writing at the address shown in this Agreement. If your card is lost or stolen you must report it to 
us immediately. 
LOSS OR THEFT OF CARD: If your Card, PIN or Account Number are lost or stolen, you should 
immediately  call  (202)  224-2967  (within  DC  Metro  Area)  or  1  (800)  374-2758,  Monday  thru 
Friday,  8:30am  to  4:00 pm  Eastern  Time.  After  hours,  call  1  (800) 682-6075.  If  overseas,  call 
collect (206) 352-4950. 
MERCHANT DISPUTES: The Credit Union is 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 claim) 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 purchases cost more than $50.00 and was made in 
your state or within 100 miles of your home. 
CHANGING  OR  TERMINATING  YOUR  ACCOUNT:  You  agree  that  the  Credit  Union  may 
change  the  terms  of  this  Agreement  from  time  to  time  after  giving  you  any  advance  notice 
required by law at your last known address. To the extent the law permits, and indicated in the 
notice  to  you,  the  change  will  apply  to  your  existing  account  balance  as  well  as  to  future 
transactions.  Your  use  of  the  card  after  receiving  notice  or  a  change  will  also  indicate  your 
agreement to the change. 

2010 ConmarSystems, Inc., Peachtree City, GA  30269 E-FORM 17041-6 Rev 12/12 

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CREDIT CARD AGREEMENT AND DISCLOSURE (continued) 

You may request an increase in your credit limit either by written application or by phone. The 
Credit Union has the right to reduce or terminate your credit limit at any time. You understand and 
acknowledge  that  such  action  shall  not  affect  your  obligation  to  pay  any  outstanding  balance 
PLUS any finance and other charges you owe under this Agreement. Accounts that have been 
inactive  for  one  (1)  year  may  be  subject  to  termination  at  the  renewal  date.  The  card(s)  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. 
FOREIGN TRANSACTIONS:  When you use your  Card at a merchant that settles  in currency 
other  than  US  dollars,  the  charge  will  be  converted  into  the  US  dollar  amount.  The  currency 
conversion rate used to determine the transaction amount in US dollars is either 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,  plus  1  percent  of  the 
transaction amount, which may be billed separately on your account or included in the transaction 
amount. This 1% adjustment is made for all international transactions regardless of whether there 
is  a  currency  conversion  associated  with  the  transaction.  The  conversion  rate  in effect  on  the 
processing date may differ from the rate in effect on the transaction date or posting date. 
EFFECT  OF  AGREEMENT/WAIVER:  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.  The  Credit  Union  can  delay  enforcing  any  of  its  rights  any 
number of times without losing them. Each provision of this agreement must be considered as part of 
the total agreement and cannot in any way be severed from it. However, you also agree that should 
any part of this agreement be found invalid, it will in no way affect the remainder of the agreement. 
STATEMENT AND NOTICES: You will receive a statement each month showing transactions on 
your account. You are responsible for your minimum monthly payment even in the event your 
statement is late or returned to the Credit Union. Statements and notices will be mailed to you at 
the  most  recent  address  you  have  given  the  Credit  Union.  Notice  to  any  one  of  you  will  be 
considered notice to all. 
PERSONAL IDENTIFICATION NUMBER (PIN): We will furnish you with a Personal Identification 
Number (PIN). You agree to keep the PIN secret. You also agree you won't write the PIN on the 
Card or anything you keep with the card. Your use of the PIN and Card in getting a cash advance 
or making a purchase is agreed to constitute your signature for purposes of such transaction. 
USE  OF  CARD.  You  may  use  your  Card  to  conduct  any  transaction  or  obtain  any  Credit 
Union  service  permitted  by  law.  You  agree  that  the  use  of  the  Card  to  obtain  a  service  or 
effect a transaction that is illegal under the law of any jurisdiction where originated, affected or 
accomplished will be a default and breach of this agreement. We may terminate the access to 
the  service  or  withdraw  the  right  to use the  Card and/or  demand  the  return  of  all  Cards  or 
other access devices issued to you. If illegal use of your Card occurs, you waive the right to 
sue Us, and agree to indemnify and hold Us harmless from any suits or other legal action or 
liability  which  may  be  asserted,  directly  or  indirectly,  against  Us  arising  out  of,  or  resulting 
from, the illegal use of the Card. 
GOVERNING  LAW:  Except  to  the  extent  that  Federal  Law  is  applicable,  the  laws  of  the 
Commonwealth  of  Virginia  shall  govern  the  validity,  construction  and  enforcement  of  this 
Agreement and all matters arising out of the issuance and use of the Card. 

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 why 

we believe the bill was 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 

  The charge in question may remain on your statement, and we may continue to charge 

  While  you  do  not  have  to  pay  the  amount  in  question,  you  are  responsible  for  the 

amount. 

you interest on that amount. 

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. 

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: 

United States Senate Federal Credit Union  
National Capitol Station  
P.O. Box 77920 
Washington, DC 20013-8920 

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in 
writing at: 
United States Senate Federal Credit Union  
National Capitol Station  
P.O. Box 77920 
Washington, DC 20013-8920 
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. 

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. 

By signing below you agree to be bound by the Terms and Conditions of this Agreement. You acknowledge receiving a copy and reading the Credit Card Agreement and 
Disclosure. You understand that this Agreement grants the Credit Union a Security Interest in all individual and joint accounts you have with the Credit Union, now and in 
the future with the exception of those accounts that would have an adverse tax consequence if pledged as collateral. 

SIGNATURES 

X  
BORROWER SIGNATURE 

DATE 

CO-BORROWER SIGNATURE 

  X  

X 
WITNESS 

DATE 

  X 
  WITNESS 

DATE 

DATE 

2010 ConmarSystems, Inc., Peachtree City, GA  30269 E-FORM 17041-6 Rev 12/12 

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