This Addendum is incorporated into and becomes part of your LOANLINER® Consumer Credit Card Agreement. 
Please keep this attached to your LOANLINER® Consumer Credit Card Agreement. 

CREDIT CARD ACCOUNT OPENING DISCLOSURE

F1  

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Cash Advances 

APR for Balance Transfers 

Paying Interest 

For Credit Card Tips from the Federal 
Reserve Board 

Fees 
Transaction Fees 
-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment Fee 
-  Over-the-Credit Limit Fee 
-  Returned Payment Fee 

F2             
This APR will vary with the market based on the Prime Rate. 
F3             
This APR will vary with the market based on the Prime Rate. 
F4             
This APR will vary with the market based on the Prime Rate. 
Your due date is at least 25 days after the close of each billing cycle. 
We do not charge you interest on purchases and balance transfers if 
you pay your entire balance by the due date each month. We will begin 
charging interest on cash advances on the transaction date.  
To learn more about factors to consider when applying for or using a 
credit card, visit the Web site of the Federal Reserve Board at 
http://www.federalreserve.gov/creditcard. 

F5             of each transaction in U.S. dollars 

Up to F6              
Up to F7             
Up to F8             

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.  

OTHER DISCLOSURES 
Late Payment Fee 

Over-the-Credit Limit Fee 

Returned Payment Fee 

Statement Copy Fee 
Rush Fee 
Card Replacement Fee 
Custom Card Fee 

F9         or the amount of the required minimum payment, whichever is 
less, if you are five (5) or more days late in making a payment. 
F10       or the amount of the transaction exceeding your credit limit, 
whichever is less. 
F11       or the amount of the required minimum payment, whichever is 
less. 
F12           
F13           
F14           
F15           per design 

Collection  Costs.  You  promise  to  pay  all  costs  of  collecting  the  amount  you  owe  under  this  Agreement,  including 
reasonable attorney's fees to the extent permitted by state law. 

Periodic Rates. 

The Purchase APR is F16       which is a monthly periodic rate of F17           
The Cash Advance APR is F18       which is a monthly periodic rate of F19           
The Balance Transfer APR is F20       which is a monthly periodic rate of F21           

©CUNA MUTUAL GROUP, 2009, 10, ALL RIGHTS RESERVED 

DKYBI2 (MXC450 CCM001)-e 

SEE BACK OF PAGE for more important information about your account. 

 
 
 
 
 
Variable Rate. 

The  ANNUAL  PERCENTAGE  RATE  is  subject  to  change  on  the  first  day  of  the  billing  cycle  quarterly  to  reflect  any 
change  in  the  Index  and will  be  determined  by  the  Prime  Rate on  the  last  day  of  the  calendar  quarter  of  each  year  as 
published in The Wall Street Journal "Money Rates" table to which we add a margin. The ANNUAL PERCENTAGE RATE 
will  never  be  greater  than  18.00%.  Any  increase  in  the  ANNUAL  PERCENTAGE  RATE  will  take  the  form  of  additional 
payments shown as Total Minimum Payments on the statement. If the Index is no longer available, the Credit Union will 
choose a new index which is based upon comparable information. 

Margin. 

Purchases will be charged at F22           above the Index. 
Cash advances will be charged at F23           above the Index. 
Balance transfers will be charged at F24           above the Index. 

DKYBI2 (MXC450 CCM001)-e  

 
 
 
 
VISA PLATINUM
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 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, 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 (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 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  casino  gaming  chips.  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 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. The rate charged on purchases, cash advances, balance transfers, and any penalty rate will 
not  vary  from  month  to  month  unless  we  notify  you  in  advance  that  the  rate(s)  will  change  as  required  by  law.  If  the  rate  for  your 

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

DKYBJ1  (MXC500 CCM000)-e 

 
 
 
 
 
 
 
 
 
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  get  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. Then, we add all 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 get 
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. Then, we add all 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  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 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.  Foreign Transaction Fee (Finance Charge). If your account is subject to a Foreign Transaction Fee (finance charge), a fee may 
be added to your account for transactions made outside of the United States or in a foreign currency. Transactions made in a foreign 
currency using a Visa branded card or processed by a network operated or affiliated with Visa will be subject to a fee as set forth on the 
Disclosure accompanying this Agreement.  

b.  Late Payment Fee. If your account is subject to a Late Payment Fee, the fee will be added 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 this Agreement. 

c.  Over-the-Credit-Limit Fee. If you have elected the feature to allow your account to go over your credit limit, we may charge you a 
fee as allowed by law. However, in no case will we impose an over-the-limit fee except in the next two billing cycles unless you have 
obtained an additional 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  will  be  added  to  your  account  when  a 
payment is returned to you for any reason. 

e.  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 added to your account for each copy of a sales 
draft or statement that you request. 

f.  Rush Fee. If your account is subject to a Rush Fee, except as limited by applicable law, a fee may be added 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. 

DKYBJ1  (MXC500 CCM000)-e 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
g.  Card Replacement Fee. If your account is subject to a Card Replacement Fee, a fee will be added 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 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  $25.00,  whichever  is  greater,  plus  the  amount  of  any 
prior minimum payments that you have not made, and any amount you are over your credit limit. In addition to the minimum payment, 
you must also pay, by the date specified above, the amount of any prior minimum payment(s) that you have not made, all outstanding 
unpaid  fees  and  charges,  and  any  amount  you  are  over  your  credit  limit.  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  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 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 may be liable for the unauthorized use of 
your credit card. Notify us immediately, in writing or by telephone at the address or phone number on the Disclosure included with this 
Agreement, if your card is lost, stolen or you suspect there has been unauthorized use of your card or account. After we receive your 
notification, you will not be liable for any further unauthorized use of your card or account. 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  —  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. 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. The Credit Union has the right to require you to 
pay your full account balance at any time after your account is terminated, whether it is terminated 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 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. 

DKYBJ1  (MXC500 CCM000)-e 

 
 
 
 
 
 
 
 
 
 
 
 
 
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 person on the account 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  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 transaction. 

26.  NOTIFICATION  INFORMATION  FOR  REPORTING  LOST,  STOLEN  AND  UNAUTHORIZED  USE  OF  CARD  —  You  agree  to 
notify us immediately, orally or in writing, at PO Box 31281 Tampa FL 33631-3281 or telephone 1-800-449-7728 twenty-four (24) hours 
a day, seven (7) days a week, of the loss, theft, or unauthorized use of your credit card. 

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. 

29.  NOTICE  TO  ALABAMA  BORROWERS  —  CAUTION:  IT  IS IMPORTANT  THAT  YOU  THOROUGHLY  READ  THIS  agreement 
beFORE YOU SIGN IT. 

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YOUR BILLING RIGHTS — KEEP THIS NOTICE FOR FUTURE USE 
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 

WHAT TO DO IF YOU THINK 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. 

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. 

While we investigate whether or not there has been an error, the following are true: 

-  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. But, if we 
determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to 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. 

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  $50.00.  (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. 

SPECIAL  RULE  FOR  CREDIT  CARD  PURCHASES  —  If  you  have  a  problem  with  the  quality  of  property  or  services  that  you 
purchased with a 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 property or services. There are two (2) limitations on this right: 

- 

- 

You  must  have  made  the  purchase  in  your  home  state  or,  if  not  within  your  home  state,  within  100  miles  of  your  current 
mailing address; and 
The purchase price must have been more than $50.00. 

These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. 

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