�CUNA Mutual Group 1991, 2006, 09, 10, 12, 14 All Rights Reserved  DTXWQ4 (MXC503 CCM004)-e   
 
 
 
CONSUMER CREDIT CARD  AGREEMENT  
 
In this Agreement, �Agreement� means this Consumer Credit Card Agreement. �Disclosure� means the Credit Card 
Account Opening Disclosure. The Account Opening Disclosure is incorporated into this Consumer Credit Card Agreement 
and is part of the Agreement. In this Agreement the words "you," �your,� and "yours" mean each and all of those who 
agree to be bound by this Agreement; "card" means the MasterCard credit card and any duplicates, renewals, or 
substitutions the Credit Union issues to you; "account" means your MasterCard credit card line- of-credit account with the 
Credit Union; and "Credit Union" means the Credit Union whose name appears on this Agreement or anyone to whom the 
Credit Union transfers this Agreement. 
1. USING YOUR ACCOUNT � If you are approved for an account, the Credit Union will establish a line of credit for you. 
You agree that your credit limit is the maximum amount (purchases, cash advances, finance charges, plus "other 
charges") which you will have outstanding on your account at any time. Unless disclosed otherwise, the Credit Union will 
not allow advances over the credit limit. If the Credit Union has a program whereby it allows payment of advances that 
exceed your credit limit, subject to a fee, the Credit Union will provide you with notice, either orally, in writing, or 
electronically (notwithstanding the requirements of the paragraph entitled �Statements and Notices�) explaining your right 
to opt in to the Credit Union�s program whereby it will honor advance requests over the credit limit. In the event you opt in 
to such a program, you agree to the terms of such a program. You may request an increase in your credit limit only by a 
method acceptable to the Credit Union. The Credit Union may increase or decrease your credit limit, refuse to make an 
advance and/or terminate your account at any time for any reason not prohibited by law. If you are permitted to obtain 
cash advances on your account, we may, from time to time, issue convenience checks to you that may be drawn on your 
account. Convenience checks may not be used to make a payment on your account balance. If you use a convenience 
check, it will be posted to your account as a cash advance. We reserve the right to refuse to pay a convenience check 
drawn on your account for any reason and such refusal shall not constitute wrongful dishonor. 
You may request that we stop the payment of a convenience check drawn on your account. You agree to pay any fee 
imposed to stop a payment on a convenience check issued on your account. You may make a stop payment request 
orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of the 
check for payment to give us a reasonable opportunity to act on your request. In addition, your request must accurately 
describe the check including the exact account number, the payee, any check number that may be applicable, and the 
exact amount of the check. If permitted, you may make a stop payment request orally but such a request will expire after 
14 days unless you confirm your request in writing within that time. Written stop payment orders are effective only for six 
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 and money orders. This paragraph shall not 
be interpreted as permitting or authorizing any transaction that is illegal. 
3. PROMISE TO PAY � You promise to pay all charges (purchases, cash advances, balance transfers, use of 
convenience checks or any other charge) made to your account by you or anyone you authorize to use your account. You 
  
 DTXWQ4 (MXC503 CCM00 4)-e 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 (transaction date). 
The finance charge is calculated separately for purchases and cash advances. For purchases, the finance charge is 
computed by applying the periodic rate to the average daily balance of purchases. To calculate the average daily balance 
of purchases, we take the beginning outstanding balance of purchases each day, 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. Balance transfers are calculated in the same manner as purchases. 
For cash advances, the finance charge is computed by applying the periodic rate to the average daily balance of cash 
advances. To calculate the average daily balance of cash advances, we take the beginning outstanding balance of cash 
advances each day, add in any new cash advances, and subtract any payments and/or credits that we apply to the cash 
advance balance. This gives us the daily balance of cash advances. We t hen 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.  
6. FOREIGN TRANSACTIONS � Purchases and cash advances made in foreign currencies will be debited from your 
account in U.S. dollars. The exchange rate used to convert foreign currency transactions to U.S. dollars is either a 
government-mandated exchange rate or a wholesale exchange rate and is selected by MasterCard. The rate MasterCard 
uses for a particular transaction is the rate MasterCard selects for the applicable currency on the day the transaction is 
processed. This rate may differ from the rate applicable on the date the transaction occurred or was posted to your 
account. 
A fee (finance charge) will be charged on all transactions completed outside of the United States, where the cardholder�s 
country code differs from the merchant�s country code. All fees are calculated based on the transaction amount after it is 
converted to U.S. dollars. These fees are charged except where excluded. The Foreign Transaction Fee is set forth on the 
Disclosure accompanying this Agreement. 
7. FEES � In addition to the periodic rate, the following additional fees may be imposed on your account. If applicable to 
your account, the fee amounts and explanations are disclosed on the Disclosure accompanying this Agreement. Your 
account may also be subject to additional fees as set forth on the Disclosu re accompanying this Agreement. 
a. 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.  
b. Late Payment Fee.  If your account is subject to a Late Payment Fee, the fee will be charged to your account whe n 
you do not make the required minimum payment by or within the number of days of the statement Payment Due Date set 
forth on the Disclosure accompanying this Agreement. 
c. 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. 
d. 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. 
e. 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.   
 DTXWQ4 (MXC503 CCM00 4)-e 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). The minimum payment is 2.50% of your total new 
balance, or $20.00, 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. In accordance with applicable law, the Credit Union may not post payments to your account or reflect them in 
your available credit limit on the date they are received.  The Credit Union may delay replenishing your credit limit until t he 
date the payment is posted or the Credit Union confirms the payment has cleared.  
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 t hat would lose special tax 
treatment under state or federal law if given as security. These other shares may be withdrawn unless you are 
in default under this agreement. You authorize the Credit Union to apply the balance in your individual or joint 
share accounts to pay any amounts due on your Account if you should default.  
Collateral securing other loans you have with the Credit Union may also secure this loan, except that a dwelling will never 
be considered as security for this account, notwithstanding anything to the contrary in any other agreement.  
11. DEFAULT �  You will be in default if you fail to make any minimum payment or other required payment by the date 
that it is due. You will be in default if you break any promise you make under this Agreement. You will be in default if you 
die, file for bankruptcy or become insolvent, that is, unable to pay your obligations when they become due. You will be in 
default if you make any false or misleading statements in any credit application or credit update. You will also be in defaul t 
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 P.O. Box 12899, Beaumont, TX 77726 or telephone (800) 237-6211 seven (7) days a 
week, 24 hours a day, of the loss, theft, or unauthorized use of your credit card. You may be liable for the unauthorized 
use of your credit card. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft, or 
possible unauthorized use. However, if you exercise reasonable care in safeguarding your card from risk of loss or theft 
and, upon discovering the loss or theft promptly report the loss or theft to us, you will not be liable for any unauthorized 
transactions. In any case, your liability will not exceed $50.00.  
13. CHANGING OR TERMINATING YOUR ACCOUNT � As permitted by law, the Credit Union may change the terms 
of this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with 
applicable law. If permitted by law and specified in the notice to you, the change will apply to your existing account 
balance as well as to future transactions. 
Either you or the Credit Union may terminate this Agreement at any time, but termination by you or the Credit Union will 
not affect your obligation to pay the account balance plus any finance and other charges you owe under this Agreement. 
Your obligation to pay the account balance plus any finance and other charges you owe under this agreement are subject 
to all applicable laws and regulations regarding repayment requirements. You are also responsible for all transactions 
made to your account after termination, unless the transactions were unauthorized. 
The card or cards you receive remain the property of the Credit Union and you must recover and surrender to the Credit 
Union all cards upon request or upon termination of this Agreement whether by you or the Credit Union. If this is a joint 
account, the paragraph on JOINT ACCOUNTS of this Agreement also applies to termination of the account.  
14. CHANGING OR TERMINATING AUTHORIZED USERS �  Upon your request, we may issue additional cards for 
authorized users that you designate. You must notify us in writing of any termination of an authorized user's right to 
access your account. Your letter must include the name of the authorized user and your account number and/or any   
 DTXWQ4 (MXC503 CCM00 4)-e 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 
stand
ing 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 months. 
17. ADDITIONAL BENEFITS/CARD ENHANCEMENTS � The Credit Union may from time to time offer additional 
services to your account, such as travel accident insurance, at no additional cost to you. You understand that the Credit 
Union is not obligated to offer such services and may withdraw or change them at any time. 
18. MERCHANT DISPUTES � The Credit Union is not responsible for the refusal of any merchant or financial institution 
to honor your card. The Credit Union is subject to claims and defenses (other than tort claims) arising out of goods or 
services you purchase with the card if you have made a good faith attempt but have been unable to obtain satisfaction 
from the merchant or service provider, and (a) your purchase was made in response to an advertisement the Credit Union 
sent or participated in sending to you; or (b) your purchase cost more than $50.00 and was made in your state or within 
100 miles of your home. 
19. JOINT ACCOUNTS � If this is a joint account, each of you will be individually and jointly responsible for paying all 
amounts owed under this Agreement. This means that the Credit Union can require any one of you individually to repay 
the entire amount owed under this Agreement. Each of you authorizes the other(s) to make purchases or cash advances 
individually. Any one of you may terminate the account and the termination will be effective as to all of you. 
20. EFFECT OF AGREEMENT � This Agreement is the contract which applies to all transactions on your account even 
though the sales, cash advances, credit or other slips you sign or receive may contain different terms. 
21. NO WAIVER � The Credit Union can delay enforcing any of its rights any number of times without losing them. 
22. STATEMENTS AND NOTICES � Statements and notices will be mailed or delivered to you at the appropriate 
address you have given the Credit Union. Notice sent to any one of you will be considered notice to all.  
23. SEVERABILITY AND FINAL EXPRESSION � This Agreement and the Disclosure are the final expression of the 
terms and conditions of your account. This written Agreement and Disclosure may not be contradicted by evidence of any 
alleged oral agreement. Should any part of this Agreement or the Disclosure be found to be invalid or unenforceable, all 
other parts of this Agreement and Disclosure shall remain in effect and fully enforceable to the fullest extent possible 
under this Agreement. 
24. COPY RECEIVED � You acknowledge that you have received a copy of this Agreement and Disclosure. 
25. GAMBLING TRANSACTIONS PROHIBITED � You may not use your card to initiate any type of gambling 
transactio
n. 
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. 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. 
28. 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. 
    
 DTXWQ4 (MXC503 CCM00 4)-e Your Billing Rights: Keep this Document f or Future Use  
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 
What To Do If You Find A Mistake On Your Statement 
If you think there is an error on your statement, write to us at the address listed on your statement. 
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 i s 
correct.  
While we investigate whether or not there has been an error: 
 - We cannot try to collect the amount in question, or report you as delinquent on that amount. 
 - The charge in question may remain on your statement, and we may continue to charge you interest on that amount. 
 - While you do not have to pay the amount in question, you are responsible for the remainder of your balance. 
 - We can apply any unpaid amount against your credit limit.  
After we finish our investigation, one of two things will happen: 
 - If we made a mistake:  You will not have to pay the amount in question or any interest or other fees related to that 
amount. 
 - If we do not believe there was a mistake:  You will have to pay the amount in question, along with applicable 
interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then 
report you as delinquent if you do not pay the amount we think you owe.  
If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days  telling us that you still 
refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. 
We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know 
when the matter has been settled between us. 
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is 
correct. 
Your Rights if You Are Dissatisfied With Your Credit Card Purchases 
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in 
good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the 
purchase. 
To use this right, all of the following must be true: 
 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the 
purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on 
an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 
 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a 
check that accesses your credit card account do not qualify. 
 3. You must not yet have fully paid for the purchase. 
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing  or electronically at 
the address listed on your statement. 
While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, 
we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as 
delinquent.