1. Effect of Agreement 
This Agreement is the contract which applies to all transactions 
on your Account even though the sales, cash advance, or credit 
card slips you sign or receive may contain different terms. 

balance is determined by adding to the previous balance of Credit 
Purchases any new Credit Purchases posted to your Account and 
subtracting any payment as received and credits as posted to 
your Account, but excluding any unpaid FINANCE CHARGES. 

You may be liable for 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 unless you were 
grossly negligent in the handling of your account or card. In any 
case, your liability will not exceed $50. 

Financial Credit Card Account. If you elect to transfer balances to 
your TruStone Financial Credit Card, the following shall apply: 
We will transfer as much as possible without exceeding your 
credit limit. This may include transferring amounts that are a 
portion of your request.  

2. Responsibility 
If we issue a Card to you, you agree to repay all debts and the 
FINANCE CHARGE from the use of your Card and Account. You 
cannot transfer or assign your Account to another person. You 
agree that you will not authorize to permit any other person 
to use your Card. If another does use your Card with your 
permission, you are responsible for charges made by anyone else 
to whom you give the Card, and this responsibility continues 
until the Card is recovered. You cannot avoid responsibility by 
notifying us, but we will close the Account as soon as possible 
for new transactions after you request and return all Cards. Your 
Visa credit card must not be used for any illegal transactions or 
for any unlawful purpose (for example, online gambling). You are 
responsible if your card is used for any illegal transaction. If this 
is a joint Account, each Account holder is both individually and 
jointly obligated for all payments due under this agreement. Your 
obligation to pay the Account balance continues even though an 
agreement, divorce decree or other court judgment may direct 
you or another person to pay the Account. Any person using the 
Card is jointly responsible with you for charges he or she makes, 
but if the person signs the Card, he or she becomes a party to 
this Agreement and is jointly responsible for all charges on the 
Account, including yours. You agree to notify us within ten (10) 
days of any change in your name, residence, or mailing address. 
If unauthorized withdrawals are made using your card or card 
number you may be required to file a police report and sign a 
Claim of Fraud or Forgery form. You agree to cooperate in any 
investigation of unauthorized use. 

3. Finance Charge 
The FINANCE CHARGE on Cash Advances begins to accrue on 
the date you obtain the Cash Advance. The FINANCE CHARGES 
for a billing cycle are computed by applying the monthly Periodic 
Rate to the average daily balance during the billing cycle, which 
is determined by dividing the sum of the daily balances during 
the billing cycle by the number of days in the cycle. Each daily 
balance is determined by adding to the Previous Balance (the 
outstanding balance of your Account at the beginning of the 
billing cycle), any new Cash Advances received, and subtracting 
any payments as received or credits as posted to your Account, 
but excluding any unpaid FINANCE CHARGES. 

The FINANCE CHARGE on credit purchases begins to accrue 
on the date of purchase. You can avoid incurring an additional 
FINANCE CHARGE appearing on your next statement if a) we 
receive your payment of the total balance due by the “Payment 
Due Date” shown on your current statement and b) there is no 
purchase in the current billing period. If there is a purchase in 
the current billing period a FINANCE CHARGE will appear on 
your next statement and payment of that FINANCE CHARGE 
can be avoided if you pay the total balance due by the “Payment 
Due Date” shown on the statement. The FINANCE CHARGES for 
a billing cycle are computed by applying the monthly Periodic 
Rate to the average daily balance of credit purchases, which is 
determined by dividing the sum of the daily balances during 
the billing cycle by the number of days in the cycle. Each daily 

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4. Monthly Statements & Payments 
If you have a balance in excess of $1.00, we will mail to you, on 
a date selected by us, a periodic monthly statement listing all 
amounts you owe us on this Account.  

Every month you must pay, in United States dollars and drawn 
on a financial institution located in the United States, at least the 
Minimum Payment required within 25 days of your statement 
closing date as shown on your monthly statement. You may, 
of course, pay more frequently, pay more than the Minimum 
Payment, or pay the Total New Balance in full, and reduce the 
FINANCE CHARGE by doing so. The Minimum Payment will either 
be 1) 2% of your total New Balance or $15 whichever is greater, or 
2) your Total New Balance, if it is less than $15, plus 3) any portion 
of the Minimum Payment(s) shown on prior statement(s) which 
remains unpaid. In addition, at any time your Total New Balance 
exceeds your Credit Limit, you must immediately pay the excess 
upon our demand. Subject to applicable law, your payments may 
be applied to what you owe the Credit Union in any manner the 
Credit Union chooses. However, payments made in excess of the 
minimum payment, will be applied first to the balance with the 
highest interest rate, then successively to each lower interest rate 
until the excess payment amount is exhausted.  

You will be responsible for all matters shown on each monthly 
statement unless you notify us in writing of any dispute within 60 
days after statement date in the manner required by the notice 
entitled “Your Billing Rights-Keep This Notice For Future Use” 
included in this Agreement. 

5. Default 
You will be in default if you fail to make any Minimum Payment 
within 25 days after the monthly statement closing date. You 
will also be in default if 1) your ability to repay us is materially 
reduced by a change in your employment or financial standing 
or an increase in your obligation, 2) there are bankruptcy or 
insolvency proceedings involving you, 3) you die, 4) you make 
a misrepresentation in connection with your Account, 5) you 
default on any obligation to us, under this Agreement or 
otherwise, you fail to comply with the terms of this Agreement, 6) 
you cancel your membership with us, 7) you exceed your Credit 
Line or 8) there is an attachment, levy or garnishment against 
you or your property. We have the right to demand immediate 
payment of your full Account balance if you are in default. If 
permitted by law, you will also be required to pay our collection 
expenses, including court costs and reasonable attorney’s fees. If 
you are in default, we may close your Account and cancel all Cards 
issued on your Account without any notice to you. 

6. Lost Card Notification 
If you believe your Card has been lost or stolen or is being used 
without your permission, you will immediately call us at (800) 449-
7728. You may follow up in writing to: Cardholder Service, P.O. Box 
31112, Tampa, FL 33631- 3112. 

7. Liability For Unauthorized Use Under Federal Law 
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8. Credit Line 
If we approve your application, we will establish a Credit Line for 
you and notify you of its amount when we issue the Card. You 
agree not to let the Account balance exceed this approved Credit 
Line or to use your Account for a purchase or advance if your total 
unpaid balance of purchases, advances, FINANCE CHARGES, and 
fees will exceed your Line of Credit. We will refuse to accept any 
transaction on your Account which would cause you to exceed 
your line of Credit. Each payment you make on the Account will 
restore your Credit Line by the amount of payment which is 
applied to the principal. You agree that we may change the Credit 
Line at any time, and we will notify you of any such change. We 
may, at our discretion, increase your Credit Line from time to time 
upon notifying you in writing of the increase. You may request an 
increase in your line of credit by calling or writing us. 

9. Credit Information 
At any time we may request, and you will give, credit, 
employment, financial and other information to us as we deem 
necessary to reevaluate your Account or credit worthiness. You 
authorize us to investigate your credit standing at any time, and 
you authorize us to disclose information regarding your Account 
to credit bureaus and other creditors who ask us about your credit 
standing. We will take responsible steps to protect your rights 
under Federal and State law. 

10. CU Rewards Program 
If you are participating in a Visa Rewards Card program, we have 
provided you with a separate written disclosure stating additional 
Terms and conditions on your Rewards Card account, and that 
disclosure is made part of this agreement by this reference. A 
full set of Program Rules and Conditions are available on the 
CURewards website at www.curewards.com. 

11. Convenience Checks 
We may; but are not required to, supply you with personalized 
Convenience Checks. Only the person whose name is printed 
on a Convenience Check may sign it. All Convenience Checks 
must be written in U.S. Dollars. We will not certify a Convenience 
Check. We may return a Convenience Check unpaid if there is not 
enough available credit on your Account to pay it, if your Card 
or Convenience Checks have been reported lost or stolen, if this 
Agreement is canceled, or if the Convenience Check is post-dated. 
The amount of any Convenience Check we pay will be added to 
your Account. We will not have any liability for any Convenience 
Check that is returned pursuant to this Agreement. If you ask us to 
stop payment on a Convenience Check, you must tell us the exact 
amount of the check, check number, date of check, payee and full 
Account number of which it is drawn. 

12. Balance Transfer Program 
The Balance Transfer Program and the benefits from it shall apply 
only to your TruStone Financial Credit Card as it may be offered 
from time to time at our discretion. The Balance Transfer Program 
may not be used to make payments on any other TruStone 

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Minimum Payments to Other Creditors: please allow four (4) 
weeks for balances to be transferred. You should continue 
paying your minimum monthly amount due on your other 
accounts until the payment appears as a credit on that account. 
We are not responsible for any late payments, finance charges, 
disputed amount or errors on your other accounts.  

Billing Disputes: If you currently have any amounts in a billing 
dispute, we recommend they not be transferred because you 
may lose your billing dispute rights.  

Exceeding Your Credit Line: This program only allows you to 
transfer balances within your available credit line.  

Closing Accounts: Transferring balances may not automatically 
close your other accounts. To do so, please contact each 
company directly.  

Payments: We may apply payments to amounts owed on your 
Account in the manner we deem appropriate, including but 
not limited to applying them to promotional balances such as 
balance transfers before applying them to purchases and cash 
advances.  

No Grace Period: Balance transfers are processed as cash 
advances. Finance charges begin accruing from the transaction 
date. 

13. Using the Card 
You understand that the use of your credit card will constitute 
acknowledgement of receipt and agreement to the terms of this 
Credit Card Agreement. To make a purchase or cash advance, 
there are two alternative procedures that you may follow. 
One is for you to present the Card to a participating VISA plan 
merchant, to us, or to another financial institution, and sign the 
sales or cash advance draft which will be imprinted with your 
Card. The other is to complete the transaction by using your 
Personal Identification Number (PIN) together with the Card 
at an Automated Teller Machine or other type of electronic 
terminal that provides access to the VISA system. The monthly 
statement will identify the merchant, electronic terminal, or 
financial institution at which transactions were made. Sales, 
cash advance, credit or other slips will not be returned with the 
monthly statement. You will keep the copy of the slips furnished 
at the time of the transaction in order to verify the monthly 
statement. There is a limitation of 15 transactions per day.  

You should not reveal your PIN to anyone else. Do not write the 
PIN on the 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. 

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14. Returns and Adjustments 
Merchants and others who honor the Card may give credit 
for returns or adjustments, and they will do so by issuing a 
credit which will be posted to your Account. If your credits and 
payments exceed what you owe us, we will apply this credit 
balance against future purchases and cash advances to your 
Account. If this credit balance is $1.00 or more, we will refund it 
per your written request. 

15. Foreign Transactions 
Purchases and cash advances you make in foreign countries 
and foreign currencies will be billed to you in U.S. dollars. The 
conversion to dollars will be made according to the operating 
regulations for international transactions established by VISA 
International, Inc. The conversion rate billed to you may differ 
from the published rate in effect on the day that you made the 
transaction or it was posted to your Account. You agree to pay 
us the amount as converted. The exchange rate between the 
transaction currency and the billing currency used for processing 
international transactions is 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. 

16. Irregular Payments 
We may accept late payments, partial, and payments marked 
“Payment in Full” or similar language without waiving or losing 
any right to demand payment as set forth in this Agreement. 

 17. Cancellation
Any Card or other credit instrument issued to you is the property 
of TruStone Financial, and must be returned to us immediately 
upon demand or upon notice of cancellation or withdrawal of the 
Account.

You may cancel your Account at any time by notifying us in 
writing at the address on your monthly statement and cutting 
your Card(s) in half and returning all Cards and Convenience 
Checks issued on your Account. Even after your Account is closed, 
you remain responsible for paying any amounts you owe on the 
Account according to the terms of this Agreement. If this is a joint 
Account, either of you may request that this Account be closed 
and we will honor that request without us having any liability to 
either of you. We can suspend your Account privileges or cancel 
your Account at any time, with or without cause or notice. Your 
credit card privileges may be revoked due to negligence. Such 
termination by us does not affect your obligation to pay any 
amounts you owe on the Account according to the terms of this 
Agreement.

18. Skip Payment Option
At the option of TruStone Financial, a minimum payment may 
be waived during certain billing cycles. If such a waiver occurs, 
FINANCE CHARGES will continue to apply to the Account during 
the skip payment billing cycle. Beginning with the billing cycle 
following the skip payment, all provisions of the Agreement shall 
apply.

19. Plan Merchant Disputes & Credit Authorizations
We are not responsible for the refusal of any VISA plan merchant 
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or financial institution to honor your Card or Convenience Check, 
or for goods or services you purchase or lease using your Account, 
except as required by law. Some purchases will require our prior 
authorization. We may not be able to authorize a transaction, 
even if you have sufficient available credit. We will not be liable to 
you if this should occur.

20. Security Interest
With respect to this Account only, we do not have a right of offset, 
and we will not assert any statutory right we may have if you are 
in default to prevent withdrawal of your unpledged TruStone 
Financial shares (deposits) below the unpaid balance of your 
Account. However, if you give or have given us a specific pledge 
on your TruStone Financial shares by signing a pledge of shares, 
or otherwise, or any other security interests for all your debts, 
your Account will also be secured by your pledged shares and by 
the property described in those security agreements, except any 
dwelling.

21. Fees
In addition to the periodic rate, the following additional fees may 
be imposed on your account. 

Late Fee: If a payment is not paid in full on or before the payment 
due date, a late charge of up to $25 will be assessed. 

Returned Payment Fee: if you make a payment which is returned 
for any reason, your Account will be charged a fee up to $25 for 
each returned item. 

Cardholder Services Pay-by-Phone Fee: If you request a Visa 
payment with the assistance of our Telephone center staff, we will 
charge your account $ 5 per payment. 

Replacement Card Fee: if you ask us to replace a card, you agree 
to pay a fee of $ 20 for each card. Replacement fee will be charged 
to your Account for the month during which the replacement was 
made. 

Statement Copy Fee: if you request a copy of a statement, we will 
charge your Account $5 per page. 

Sales Draft Copy Fee: if you request a copy of a charge slip, we 
will charge your account $6 for each change slip. 

Special Delivery Service Fee: Fee determined by delivery service 
requested. 

22. Other Provisions 

A. No waiver. We may choose to delay enforcing or waive 
any of our rights under this Agreement without affecting 
our other rights. If we waive a right, we do not thereby 
waive the same right in other situations. 
B. Severability. If any provision of this Agreement is 
unenforceable, all other provisions of this Agreement are 
still valid and enforceable. 
C. Entire Agreement. This Agreement embodies the entire 
agreement and understanding between you and us and 
supersedes all agreements, statements and understandings, 
unless otherwise expressly stated. 
D. Change in Terms of Your Account. We can change any 

terms of your Account at any time. We will provide you 
with notice as required by law by mailing a notice to you 
at the latest address shown in our records. Any changes 
will apply to the current balance of your Account as well 
as future balances, to the extent permitted by law and we 
indicate in our notice. You may choose to accept or decline 
a change by keeping your Account open or by closing your 
Account within fifteen (15) days of the notice and repaying 
any outstanding balance according to the old terms. Your 
decision to keep your Account open after any change will 
constitute your agreement to the change. We may sell or 
otherwise transfer your Account and any amount owed by 
you to another creditor at any time. If we do, this Agreement 
will remain in effect.

In your letter give us the following information: 
1) Your name and Account number. 
2) The dollar amount of the suspected error. 
3) Describe the error and explain, if you can, why you believe 
there is an error

If you need more information describe the item you are not sure 
about. 

If you have authorized us to pay your credit card bill automatically 
from a savings or checking account, you can stop the payment 
on any amount you think is wrong. To stop payment, your letter 
must reach us three business days before the automatic payment 
is scheduled to occur.

For more information, call our Contact Center at (763) 544-1517 
(800) 862-1998.

23. Automatic Payment
If you have requested an automatic payment to be made from 
any financial institution, all payments due will automatically be 
deducted from your designated savings or checking account 
balance on the payment due date. If your designated account 
does not contain sufficient funds on the payment due date, you 
will be responsible for the payment and any returned items fees 
associated with the payment.

24. Governing Law
This Agreement and your Account shall be governed by the state 
laws in which  your account resides and the laws of the United 
States.

25. Successors & Assigns
You agree TruStone Financial may at any time assign or transfer 
to another person your Account, your Account balance, on this 
Agreement. You will not assign or transfer any of your rights or 
duties under this Agreement. This Agreement is binding upon 
your heirs and legal representatives.

26. Copy Received
You acknowledge receipt of a copy of this Agreement.

Notice To Married Wisconsin Residents
No provision of a marital property agreement, unilateral or court 
decree applying to marital property adversely affects the interest 
of the creditor unless the creditor, prior to the time the credit 
is granted, is furnished a copy of the agreement, statement or 
decree or has actual knowledge of the adverse provision when 
the obligation to the creditor is incurred. You are married and 
this Account is being opened in the interest of your marriage or 
family.

Your Billing Rights—Keep This Notice For Future Use
This notice contains important information about your rights and 
our responsibilities under the Fair Credit billing Act.

Notify Us In Case Of Errors Or Questions About Your Bill.  
If you think your bill is wrong, or if you need more information 
about a transaction on your bill, write to us on a separate sheet 
of paper at Cardholder Services, P.O. Box 31112, Tampa, FL 33631-
3112. Write to us as soon as possible. We must hear from you no 
later than 60 days after we sent you the first bill on which the error 
or problem appeared. You can telephone us at (800) 654-7728, 
but doing so will not preserve your rights. 

Your Rights And Our Responsibilities After We Receive Your 
Written Notice
We must acknowledge your letter within 30 days, unless we have 
corrected the error by then. Within 90 days, we must either correct 
the error or explain why we believe the bill was correct.

After we receive your letter, we cannot try to collect any amount 
you question or report you as delinquent. We can continue to 
bill you for the amount you question, including finance charges, 
and we can apply any unpaid amount against your credit limit. 
You do not have to pay any questioned amounts while we are 
investigating, but you are still obligated to pay the parts of the bill 
that are not in question.

If we find that we made a mistake on your bill, you will not have 
to pay any finance charges related to any questioned amount. If 
we didn’t make a mistake, you may have to pay finance charges 
related to any questioned amount, and you will have to make up 
any missed payments on the questioned amount. In either case, 
we will send you a statement of the amount you owe and the date 
that it is due.

If you fail to pay the amount that we think you owe, we may 
report you as delinquent. However, if our explanation does not 
satisfy you and you write to us within ten days telling us that you 
still refuse to pay, we must tell anyone we report you to that you 
have a question on your bill. And we must tell you the name of 
anyone we reported you to. We must tell anyone we reported to 
you that the matter has been settled between us when it finally is. 

If we don’t follow these rules, we can’t collect the first $50 of the 
questioned amount, even if the bill is correct.

Special Rule For Credit Card Purchases
If you have a problem with the quality of property or service that 
you purchase 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 service. 
There are two limitations on this right: 

1. 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 
2. The purchase price must have been more than $50.
These limitations do not apply if we own or operate the 
merchant, or if we mailed you the advertisement for the 
property or service.

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Effective May 22, 2013

TRUSTONE FINANCIAL VISA 
AGREEMENT & TRUTH-IN-
LENDING DISCLOSURE

TruStone Financial Federal Credit Union

Please Retain For Personal Records. 
This is your Credit Card Agreement and Truth-In-Lending disclosure. 
Please read and file with your records. This Agreement and disclosure, 
required by law, is designed to define the guidelines concerning your 
Account(s).

In this Agreement, “Agreement” means this Consumer Credit Card 
Agreement. “Disclosure” means the Credit Card Account Opening 
disclosure. The Account Opening Disclosure is included with this 
Consumer Credit Card Agreement and is part of the agreement. In this 
Agreement the words “you” and “your” mean each and all of those who 
apply for the Credit Card. “We,” “us”, and “ours” mean TruStone Financial, 
a federally chartered credit union with its main office in Plymouth, 
Minnesota. “Credit Card” and “Card” mean the Credit Card and any 
duplicates and renewals we issue. “Account” means your Credit Card 
Line of Credit Account with the credit union; and “Credit Union” means 
the Credit Union whose name appears on this Agreement. Line of 
Credit may also be called “Credit Limit” in this agreement and in your 
monthly Statement.

By Keeping The Credit Card, Signing It, Using It, Or 
Permitting Another To Use It, You Agree To All The 
Terms And Conditions Of This Agreement.