REWARDS/FREE/GOLD
CONSUMER CREDIT CARD AGREEMENT
In this Agreement, "Agreement" means this Consumer Credit C ard Agreement. "Disclosure" means the Credit
Card Account Opening Disclosure. The Account Opening Discl osure is incorporated into this Consumer Credit
Card Agreement and is part of the Agreement. In this Agreemen t 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 is sues to you; "account" means your Visa credit card
line-of-credit account with the Credit Union; and "Credit U nion" means the Credit Union whose name appears on
this Agreement or anyone to whom the Credit Union t ransfers this Agreement.
1. USING YOUR ACCOUNT - If you are approved for an account, the Credit Union will esta blish a line of credit
for you. You agree that your credit limit is the maximum amoun t (purchases, cash advances, finance charges,
plus "other charges") which you will have outstanding on you r account at any time. Unless disclosed otherwise,
the Credit Union will not allow advances over the credit limi t. If the Credit Union has a program whereby it allows
payment of advances that exceed your credit limit, subject t o a fee, the Credit Union will provide you with notice,
either orally, in writing, or electronically (notwithstan ding the requirements of the paragraph entitled "Statement s
and Notices") explaining your right to opt in to the Credit Un ion'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 onl y by a method acceptable to the Credit Union. The
Credit Union may increase or decrease your credit limit, ref use to make an advance and/or terminate your account
at any time for any reason not prohibited by law. If you are per mitted to obtain cash advances on your account,
we may, from time to time, issue convenience checks to you tha t may be drawn on your account. Convenience
checks may not be used to make a payment on your account balanc e. 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 chec k drawn on your account. You agree to pay
any fee imposed to stop a payment on a convenience check issue d on your account. You may make a stop
payment request orally, if permitted, or in writing. Your re quest must be made with sufficient time in advance of
the presentment of the check for payment to give us a reasonab le opportunity to act on your request. In addition,
your request must accurately describe the check including t he exact account number, the payee, any check
number that may be applicable, and the exact amount of the che ck. If permitted, you may make a stop payment
request orally but such a request will expire after 14 days un less 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 af ter 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 faili ng to stop payment of an item as a result of incorrect
information provided to us or the giving of inadequ ate 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 ma ke 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 t he 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 in stitutions 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 ide ntification 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 federa l, state, or local law. Even if you use your card for an
illegal transaction, you will be responsible for all amount s 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 con sider the equivalent of cash. Such transactions will
be posted to your account as cash advances and include, but ar e not limited to, wire transfers, money orders,
bets, lottery tickets, and casino gaming chips, as applicab le. 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, ba lance 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 othe r 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.
CUNA Mutual Group 2008 All Rights Reserved DMDDW5 (MXC501 CCM002)-e
 4. PERIODIC RATES - The periodic rates applicable to purchases, cash advances, and balance transfers are
disclosed on the Disclosure that accompanies this Agreemen t. 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 va riable, as indicated on the accompanying Disclosure,
the rate charged on purchases, cash advances, balance trans fers and any penalty rate will vary periodically as
disclosed in the Disclosure accompanying this Agreement. T he initial rate on your account for certain types of
transactions may be an introductory discounted rate (Intro ductory Rate) that is lower than the rate that would
ordinarily apply for that type of transaction. If an Introdu ctory 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 au tomatically increase to the rates that would ordinarily
apply for that type of transaction based on the ter ms of this Agreement.
5. FINANCE CHARGES - New purchases posted to your account during a billing cycle w ill not incur a finance
charge for that billing cycle if you had a zero or credit balan ce at the beginning of that billing cycle, or you paid
the entire new balance on the previous cycle's billing state ment by the payment due date of that statement;
otherwise a finance charge will accrue from the date a purcha se is posted to your account. To avoid an additional
finance charge on the balance of purchases, you must pay the e ntire new balance on the billing statement by the
payment due date of that statement. A finance charge begins t o accrue on cash advances from the date you get
the cash advance or from the first day of the billing cycle in w hich the cash advance is posted to your account,
whichever is later (transaction date).
The finance charge is calculated separately for purchases a nd cash advances. For purchases, the finance charge
is computed by applying the periodic rate to the average dail y balance of purchases. To calculate the average
daily balance of purchases, we take the beginning outstandi ng balance of purchases each day, add any new
purchases, and subtract any payments and/or credits. This g ives us the daily balance of purchases. We then add
all of the daily balances of purchases for the billing cycle t ogether 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 applyin g the periodic rate to the average daily balance of
cash advances. To calculate the average daily balance of cas h advances, we take the beginning outstanding
balance of cash advances each day, add in any new cash advance s, and subtract any payments and/or credits
that we apply to the cash advance balance. This gives us the da ily balance of cash advances. We then add all of
the daily balances of cash advances for the billing cycle tog ether and divide the total by the number of days in the
billing cycle. This gives us the average daily balance of cas h 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 t ransaction currency and the billing currency used
for processing international transactions is a rate select ed by Visa from a range of rates available in wholesale
currency markets for the applicable central processing dat e, which rate may vary from the rate Visa itself receives
or the government-mandated rate in effect for the applicabl e central processing date. The exchange rate used on
the processing date may differ from the rate that would have b een used on the purchase date or cardholder
statement posting date.
7. FEES - In addition to the periodic rate, the following additional f ees may be imposed on your account. If
applicable to your account, the fee amounts and explanation s are disclosed on the Disclosure accompanying this
Agreement. Your account may also be subject to additional fe es 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 cha rged to your account on December
31st of each year. The fee will be charged each yea r until your account is closed and paid in full.
b. Late Payment Fee. If your account is subject to a Late Payment Fee, the fee will b e 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 forth on the Disclosure accompanying t his Agreement.
c. Over-the-Credit Limit Fee. If you have elected the feature to allow your account to go ove r your credit limit,
we may charge you a fee as allowed by law. However, in no case wi ll we impose an over-the-limit fee except in
the next two billing cycles unless you have obtained an addit ional extension of credit in excess of such credit limit
during each subsequent cycle or you have reduced the balance below the credit limit as of the end of each bill
cycle.
d. Returned Payment Fee. If your account is subject to a Returned Payment Fee, the fee w ill be charged to your
account when a payment is returned for any reason.
e. Returned Convenience Check Fee. If your account is subject to a Returned Convenience Check Fe e, the fee
will be charged to your account when a convenience check is returned for any reason.
f. Statement Copy Fee. If your account is subject to a Statement Copy Fee, except as l imited by applicable law
and when the request is made in connection with a billing erro r made by the Credit Union, a fee may be charged
to your account for each copy of a sales draft or s tatement that you request.
DMDDW5 (MXC501 CCM002)-e Your Account is secured by all other shares you have in any ind ividual or joint account with the Credit Union,
except for shares in an Individual Retirement Account or in a ny other account that would lose special tax
treatment under state or federal law if given as security. Th ese other shares may be withdrawn unless you are
in default under this agreement. You authorize the Credit Un ion to apply the balance in your individual or joint
share accounts to pay any amounts due on your Accou nt if you should default.g. Document Copy Fee. If your account is subject to a Document Copy Fee, except as li mited by applicable law,
a fee may be charged to your account for each copy of a sales dra ft or statement that you request (except when
the request is made in connection with a billing er ror made by the Credit Union).
h. Card Replacement Fee. If your account is subject to a Card Replacement Fee, a fee wil l be charged for each
replacement card that is issued to you for any reas on.
i. Cash Advance Stop Payment Fee. If your account is subject to the Cash Advance Stop Payment Fe e, a fee
will be charged to your account as disclosed on the  Disclosure accompanying this Agreement.
8. PAYMENTS - Each month you must pay at least the minimum payment shown on y our 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 cr edit balance). For our Visa cards, the minimum
payment is 2.50% of your total new balance, or $25.00, whiche ver is greater, plus the amount of any prior
minimum payments that you have not made, all outstanding unp aid 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 cre dit 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 c redit limit until the 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 wh at 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 Cred it Union will allocate the excess amount first to the
balance with the highest annual percentage rate and any rema ining 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 Unif orm Commercial Code and
under any common law rights the Credit Union may have in any go ods you purchase. If you give the Credit Union
a specific pledge of shares by signing a separate pledge of sh ares, your pledged shares will secure your account.
You may not withdraw amounts that have been specifically ple dged to secure your account until the Credit Union
agrees to release all or part of the pledged amount . 
DMDDW5 (MXC501 CCM002)-eCollateral securing other loans you have with the Credit Uni on may also secure this loan, except that a dwelling
will never be considered as security for this account, notwi thstanding anything to the contrary in any other
agreement.
11.DEFAULT - You will be in default if you fail to make any minimum payment o r other required payment by the
date that it is due. You will be in default if you break any prom ise 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 misl eading statements in any credit application or
credit update. You will also be in default if something happe ns 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 dema nd immediate payment of your full account
balance without giving you notice. If immediate payment is d emanded, you agree to continue paying finance
charges at the periodic rate charged before default, until w hat you owe has been paid, and any shares that were
given as security for your account may be applied t owards what you owe.
12.LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIF ICATION - You agree to notify us
immediately, orally or in writing, at PO Box 179, Greenbelt, MD 20768-0179 or telephone (800) 356-6580 seven
(7) days a week, 24 hours a day, of the loss, theft, or unauthor ized use of your credit card. You may be liable for
the unauthorized use of your credit card. You will not be liab le 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 th e 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 tim e to time. Notice of any change will be given in
accordance with applicable law. If permitted by law and spec ified in the notice to you, the change will apply to
your existing account balance as well as to future transactions. DMDDW5 (MXC501 CCM002)-eEither you or the Credit Union may terminate this Agreement a t any time, but termination by you or the Credit
Union will not affect your obligation to pay the account bala nce plus any finance and other charges you owe
under this Agreement. Your obligation to pay the account bal ance plus any finance and other charges you owe
under this agreement are subject to all applicable laws and r egulations regarding repayment requirements. You
are also responsible for all transactions made to your accou nt after termination, unless the transactions were
unauthorized.
The card or cards you receive remain the property of the Credi t Union and you must recover and surrender to the
Credit Union all cards upon request or upon termination of th is Agreement whether by you or the Credit Union. If
this is a joint account, the paragraph on JOINT ACCOUNTS of th is 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 wr iting of any termination of an authorized user's
right to access your account. Your letter must include the na me of the authorized user and your account number
and/or any subaccount number issued to the authorized user a long 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 RELEASEOF INFORMATION - You authorize the Credit Union to investigate your credit
standing when opening or reviewing your account. You author ize the Credit Union to disclose information
regarding your account to credit bureaus and creditors who i nquire about your credit standing. If your account is
eligible for emergency cash and/or emergency card replacem ent 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 r eturns 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 Un ion, 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 service s and may withdraw or change them at any time.
18.MERCHANT DISPUTES - The Credit Union is not responsible for the refusal of any mer chant or financial
institution to honor your card. The Credit Union is subject t o 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 provide r, and (a) your purchase was made in response to an
advertisement the Credit Union sent or participated in send ing to you; or (b) your purchase cost more than
$50.00 and was made in your state or within 100 mil es of your home.
19.JOINT ACCOUNTS - If this is a joint account, each of you will be individually an d jointly responsible for
paying all amounts owed under this Agreement. This means tha t the Credit Union can require any one of you
individually to repay the entire amount owed under this Agre ement. Each of you authorizes the other(s) to make
purchases or cash advances individually. Any one of you may t erminate 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 transact ions on your account
even though the sales, cash advances, credit or oth er slips you sign or receive may contain different terms.
21.NO WAIVER - The Credit Union can delay enforcing any of its rights any num ber of times without losing
them.
22.STATEMENTS AND NOTICES - Statements and notices will be mailed or delivered to you at t he appropriate
address you have given the Credit Union. Notice sen t to any one of you will be considered notice to al l. 
23.SEVERABILITY AND FINAL EXPRESSION - This Agreement and the Disclosure are the final expression o f the
terms and conditions of your account. This written Agreemen t and Disclosure may not be contradicted by
evidence of any alleged oral agreement. Should any part of th is 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 th is Agreement.
24.COPY RECEIVED - You acknowledge that you have received a copy of this Agreeme nt and Disclosure.
25.INTERNET GAMBLING TRANSACTIONS PROHIBITED - You may not use your card to initiate any type of
electronic gambling transaction through the Interne t. DMDDW5 (MXC501 CCM002)-eYour Billing Rights: Keep this Document for Future Use26.PENALTY RATE DISCLOSURES - If applicable to your account, all rates for your account, in cluding the rates
for purchases, cash advances, and balance transfers, will i ncrease to the Penalty Rate when you meet one or
more of the conditions as set forth in the Disclosure accompa nying 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 y our loan balance and charge you interest on the
entire balance. At our option we will change your payment or t he period of time necessary to repay the loan
balance. The rate used to determine the fees or insurance cha rges 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 agreemen t between you
and the Credit Union. This written agreement may no t be contradicted by evidence of any oral agreement .
29.THE FOLLOWING IS REQUIRED BY VERMONT LAW - NOTICE TO CO-SI GNER - YOUR SIGNATURE ON THIS
NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS L OAN. IF THE BORROWER DOES
NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FR OM YOU.
This notice tells you about your rights and our responsibili ties 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, w rite 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 b elieve 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 sche duled, 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 yo u 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 th at 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 cor rect 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 yo u as delinquent on that amount.
- The charge in question may remain on your statement, and we m ay continue to charge you interest
on that amount.
- While you do not have to pay the amount in question, you are re sponsible for the remainder of your
balance.
- We can apply any unpaid amount against your credit limit.
After we finish our investigation, one of two thing s 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 th e amount we think you owe. DMDDW5 (MXC501 CCM002)-eIf you receive our explanation but still believe your bill is wrong, you must write to us within 10
daystelling 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 te ll you the name of anyone to whom we
reported you as delinquent, and we must let those organizati ons 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 Credi t Card Purchases
If you are dissatisfied with the goods or services that you ha ve 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 tru e:
1. The purchase must have been made in your home state or withi n 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. Purch ases made with cash advances from an ATM
or with a check that accesses your credit card account do not q ualify.
3. You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatis fied with the purchase, contact us in writing [or
electronically] at the address listed on your state ment.
While we investigate, the same rules apply to the disputed am ount 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.