NUVISION FEDERAL CREDIT UNION VISA  
CREDIT CARD AGREEMENT AND FEDERAL  
TRUTH-IN-LENDING DISCLOSURE STATEMENT
Effective 11-01-12
In this Agreement and Disclosure Statement the words “you” and “your” mean each and 
all of those who apply for or use the NuVision Federal Credit Union Visa® Card and/or Visa 
Account. “Card” means the VISA Credit Card and any duplicates and renewals the Credit 
Union  issues  to  you.  “Account”  means  your  VISA  Credit  Card  Account  with  the  Credit 
Union. The terms “we”, “us”, “our” and “Credit Union” mean NuVision Federal Credit Union.
OBLIGATION:  By  applying  and  receiving,  signing,  using  or  permitting  another  to  sign  or 
use the Card and/or Account issued by the Credit Union, you agree to be bound by the 
following terms and conditions as set forth herein and any subsequent amendments hereto.
SIGNATURE:  You  should  sign  the  back  of  your  Card  as  soon  as  you  receive  it  to  help 
protect your Account from unauthorized use. However, your liability does not depend on 
whether you sign your Card.
AUTHORIZATION AND PAYMENT: You authorize us to pay and charge your Account for 
all Purchases, Cash Advances or Balance Transfers made or obtained by you or anyone 
you authorize to use your Card or Account. You will be obligated to pay all such Purchases, 
Cash Advances and Balance Transfers charged to your Account whether resulting from: 
(1) actual use of your Card; or (2) mail order or telephone, computer, or other electronic 
Purchases  made  without  presenting  the  Card;  or  (3)  any  other  circumstance  where 
you  authorize  a  charge,  or  authorize  someone  else  to  make  a  charge,  to  your  Account 
(collectively, “authorized charges”). You promise to pay us or to our order in U.S. Dollars 
with an instrument drawn on a financial institution in the United States at our office or at 
the address set forth on your periodic statement all authorized charges on the terms and 
at the rates set forth herein, plus any FINANCE CHARGES assessed on your Account, and 
any other charges and fees which you may owe us under the terms of this Agreement and 
Disclosure Statement (the “Account Balance”). Payments will continue until you have paid 
in full the Account Balance.
PURCHASES  AND  ADVANCES:  You  may  make  Purchases  and  request  Advances  or 
Balance Transfers in accordance with then current loan policies up to your Credit Limit. 
You understand and agree that all Purchases and other transactions requested by you or 
anyone you have permitted to use the Card(s) and/or Account are subject to our approval.
USING THE CARD: Three (3) types of credit are available to you under your Account.
1.  Purchases: You may use your Card and/or Account to pay for goods and services 

at participating VISA Card merchants. 

2.  Cash  Advances:  You  may  use  your  Card  to  obtain  cash  from  a  participating 
financial institution or from an authorized Automated Teller Machine (ATM) along 
with a Personal Identification Number (PIN) issued by us or selected by you. 
3.  Balance Transfer: You may transfer balances to your Account from other creditors, 
provided that we in our sole and absolute discretion approve your request. Balance 
transfers are subject to a $500 minimum transfer amount requirement.

Your  Card,  Checks  and/or  Account  may  not  be  used  directly  or  indirectly  for:  (1)  any 
illegal  activity  or  transaction;  or  (2)  any  gambling,  gaming,  betting,  or  similar  activity 
or transaction. Further, you may not utilize your Card and/or Account for the purchase 
of any goods or services on the Internet that involve gambling, gaming, betting, or any 
similar  transaction  or  activity.  Such  transactions  include,  but  may  not  be  limited  to, 
any  quasi-cash  or  online  gambling  transaction,  any  electronic  commerce  transaction 
conducted over an open network, and any betting transaction including the purchase of 
lottery tickets or casino gaming chips/checks or off-track betting or wagering. However, 
in the event that a charge or transaction described in this paragraph is approved and 
processed, you will still be responsible for such charges.
REQUEST FOR LOAN / CREDIT LIMIT: Your Account has a Credit Limit that is established 
by  us.  We  may  increase  or  decrease  your  Credit  Limit  at  any  time  and  we  may  notify 
you  of  such  increase  or  decrease  by  mail  or  through  a  statement  sent  to  the  primary 
Accountholder’s address of record, in accordance with applicable legal requirements. We 
will provide you oral or written notice of any decrease in your Credit Limit. If you object to 
any Credit Limit increase, you must notify us immediately. You or your joint applicant for 
the Account may request a change to the Credit Limit orally, in writing, or electronically, 
but any such request must be approved by us. If your Credit Limit is increased, you are 
immediately responsible for the new Credit Limit and any increase in the Account Balance 
even when it differs from an amount previously agreed to orally or in writing.
The Card(s) remain our property and you must recover and surrender to us all Cards upon our 
request and/or upon termination of this Account. You are responsible for safekeeping of the Card.
CREDIT  INFORMATION:  You  authorize  us  to  investigate  your  credit  standing  when 
opening, renewing, or reviewing the Account, and you authorize us to disclose information 
regarding the Account to credit bureaus and other creditors who inquire of us about your 
credit standing to the extent authorized by law.
CHANGE OF TERMS: Account and Agreement terms are not guaranteed for any period 
of time. You understand and agree that we may amend, modify, add to, or delete from this 
Agreement and Disclosure Statement any of its terms and conditions, including financial 
terms  such  as  the  method  of  application  and  the  amount  of  any  INTEREST  CHARGE, 
Transaction Fee, or other FINANCE CHARGE, ANNUAL PERCENTAGE RATE, Daily Periodic 
Rate,  and/or  fee  in  accordance  with  applicable  laws.  If  required  by  applicable  law,  we 
will mail a notice of the change to you at your last known address. You also understand 
that in the event of a significant change, as defined under the Federal Truth in Lending 
Act, any such notice will be mailed at least forty-five (45) days prior to the effective date 
of the significant change as required by applicable law. If we are required by applicable 
law to provide you a right to reject significant changes to this Agreement and Disclosure 
Statement  prior  to  the  effective  date  of  such  changes,  we  will  provide  you  with  an 
explanation of how to reject the significant changes, unless you fail to make a required 
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minimum  payment  within  sixty  (60)  days  after  its  due  date.  We  may  change  the  terms 
of this Agreement and Disclosure Statement based on information in your credit report, 
market conditions, business strategy or for any other reason. Notice of a change in terms 
is required, but may be sent as late as the effective date of the change where the change 
has been agreed to in writing, by you.
INTEREST  RATES  AND  INTEREST  CHARGES:  You  understand  that  a  portion  of 
your  FINANCE  CHARGES  incurred  during  a  billing  cycle  will  include  your  INTEREST 
CHARGES  incurred  during  that  billing  cycle.  The  INTEREST  CHARGE  for  a  billing  cycle 
will be calculated by applying your Daily Periodic Rate to your Average Daily Balance. You 
understand and agree that under the “Change of Terms” section above, we have the right 
in our sole and absolute discretion to change the amount of any ANNUAL PERCENTAGE 
RATE, Daily Periodic Rate and/or INTEREST CHARGE that may apply to your Account.
Daily Periodic INTEREST CHARGE, Daily Periodic Rate, and ANNUAL PERCENTAGE 
RATE for Cash Advances, Balance Transfers, and Purchases: The Daily Periodic Rate 
used in calculating the Daily Periodic INTEREST CHARGE (and the corresponding ANNUAL 
PERCENTAGE RATE) for Cash Advances, Balance Transfers, and Purchases are disclosed 
on the enclosed Visa Credit Card Acceptance Letter the terms of which are incorporated 
herein by this reference.
PENALTY  ANNUAL  PERCENTAGE  RATE: A penalty ANNUAL PERCENTAGE RATE of 
17.99% (corresponding Daily Periodic Rate of .0492877%) may be applied to your Account 
Balance if you fail to make a payment when due or you make a payment that is returned. 
We will provide you notice of such penalty ANNUAL PERCENTAGE RATE at least forty-five 
(45) days prior to the effective date of the penalty ANNUAL PERCENTAGE RATE and such 
notice will inform you which future transactions and/or outstanding balances are subject 
to the penalty ANNUAL PERCENTAGE RATE.
Generally, the penalty ANNUAL PERCENTAGE RATE will apply to future transactions that 
occur more than fourteen (14) days after we provide you notice of the penalty ANNUAL 
PERCENTAGE  RATE  increase  and  will  revert  to  the  applicable  ANNUAL  PERCENTAGE 
RATE set forth in the Visa Credit Card Acceptance Letter, provided that you make six (6) 
consecutive Minimum Monthly Payments when due beginning with the first (1st) payment 
due after the effective date of the increase.
However, if you fail to make a Minimum Monthly Payment within sixty (60) days after its 
Payment Due Date, the penalty ANNUAL PERCENTAGE RATE will apply to all outstanding 
balances  and  future  transactions.  In  such  event,  your  ANNUAL  PERCENTAGE  RATE 
will cease applying to transactions that occurred prior to or within fourteen (14) days of 
provision of the notice and will revert to the applicable “standard” ANNUAL PERCENTAGE 
RATE  set  forth  above,  provided  that  you  make  six  (6)  consecutive  Minimum  Monthly 
Payments  when  due  beginning  with  the  first  (1st)  payment  due  after  the  effective  date 
of the increase.
TRANSACTION FEES: You understand that, in addition to INTEREST CHARGES incurred 
during a billing cycle another portion of your FINANCE CHARGES incurred during a billing 
cycle  may  include  Transaction  Fees  incurred  during  that  billing  cycle.  You  understand 
and agree that under the “Change of Terms” section above, we have the right in our sole 
and absolute discretion to change the amount of any Transaction Fee that may apply to 
your  Account.  Your  Transaction  Fees  for  a  billing  cycle  will  be  the  sum  of  the  three  (3) 
components below, each of which is a FINANCE CHARGE.

1.  Cash Advance Fee: One (1) component of the Transaction Fee is the Cash Advance 
Fee. Cash Advance transactions are subject to a Cash Advance Fee of 3% of the 
amount of the Advance, and are posted to the Account during the billing cycle 
(minimum fee of $10.00, maximum fee not to exceed $100.00 per advance).
2.  Foreign Transactions Fee: The second (2nd) component of the Transaction Fee is the 
Foreign  Transactions  Fee.  International  Purchases,  Cash  Advances,  and  credit 
transactions 
in  a  currency  other  than  U.S.  dollars  are  subject  to  a
Foreign Transactions Fee of 1% of the amount of the Purchase, Cash Advance, or 
credit transaction which is posted to the Account during the billing cycle. International 
Purchases, Cash Advances, and credit transactions that are made in U.S. dollars are 
subject to a Foreign Transactions Fee of 0.8% of the amount of the Purchase, Cash 
Advance, or credit transaction which is posted to the Account during the billing cycle.
3.  Balance  Transfer  Fee:  The  third  (3rd)  component  of  the  Transaction  Fee  is
the  Balance  Transfer  Fee.  Balance  Transfer  transactions  are  subject  to  a  
Balance Transfer Fee of $10 or 3% of the amount of the Transfer, whichever is  
greater  (maximum  limit  $100)  and  are  posted  to  the  Account  during  the  billing  
cycle per Balance Transfer transaction.

The  above  Transaction  Fees  and  other  fees  for  the  billing  cycle  will  be  shown  on  your 
periodic statement.
HOW TO COMPUTE THE ADVANCES BALANCE (CONSISTING OF TRANSACTIONS 
RELATED  TO  CASH  AND  OTHER  ADVANCE  TRANSACTIONS)  UPON  WHICH 
PERIODIC  FINANCE  CHARGES  ARE  ASSESSED;  AVERAGE  DAILY  BALANCE 
(INCLUDING NEW ADVANCES): 
We  figure  a  portion  of  the  INTEREST  CHARGE  on  your  Account  by  applying  the 
Cash  Advance  Daily  Periodic  Rate  to  the  Average  Daily  Balance  of  Cash  Advances 
(including current Cash Advances). To get the Average Daily Balance of Cash Advance 
transactions  we  take  the  beginning  balance  of  Cash  Advance  transactions  on  your 
Account  each  day,  add  any  new  Cash  Advances,  and  subtract  any  payments  or 
credits,  and  unpaid  INTEREST  CHARGES  and  other  FINANCE  CHARGES.  This  gives 
us  the  daily  balance  of  Cash  Advance  transactions.  Then,  we  add  up  all  the  daily 
balances of Cash Advance transactions for the billing cycle and divide the total by the 
number of days in the billing cycle. This gives us the Average Daily Balance of Cash 
Advance transactions.

There  is  no  grace  period  in  order  to  avoid  the  imposition  of  INTEREST  CHARGES  on 
Cash Advances.
HOW TO COMPUTE THE BALANCE TRANSFER BALANCE UPON WHICH PERIODIC 
INTEREST  CHARGES  ARE  ASSESSED;  AVERAGE  DAILY  BALANCE  (INCLUDING 
CURRENT BALANCE TRANSFER TRANSACTIONS)
We  figure  a  portion  of  the  INTEREST  CHARGE  on  your  Account  by  applying  the 
Balance  Transfer  Daily  Periodic  Rate  to  the  Average  Daily  Balance  of  Balance 
Transfers  (including  current  Balance  Transfers).  To  get  the  Average  Daily  Balance 
of Balance Transfer transactions we take the beginning balance of Balance Transfer 
transactions on your Account each day, add any new Balance Transfer transactions, 
and  subtract  any  payments  or  credits,  and  unpaid  INTEREST  CHARGES  and  other 
FINANCE CHARGES. This gives us the daily balance of Balance Transfer transactions. 
Then, we add up all the daily balances of Balance Transfer transactions for the billing 
cycle and divide the total by the number of days in the billing cycle. This gives us the 
Average Daily Balance of Balance Transfer transactions.
There is no grace period in order to avoid the imposition of INTEREST CHARGES on 
Balance Transfers.
HOW  TO  COMPUTE  THE  PURCHASE  BALANCE,  CONSISTING  OF  TRANSACTIONS 
RELATED TO PURCHASES OF PROPERTY AND SERVICES, UPON WHICH PERIODIC 
FINANCE CHARGES ARE ASSESSED; AVERAGE DAILY BALANCE (INCLUDING NEW 
PURCHASES); AVERAGE DAILY BALANCE (INCLUDING NEW PURCHASES):
We  figure  a  portion  of  the  INTEREST  CHARGE  on  your  Account  by  applying  the 
Purchase  Daily  Periodic  Rate  to  the  Average  Daily  Balance  of  Credit  Purchases 
(including  current  Purchase  transactions).  To  get  the  Average  Daily  Balance  of 
Purchase  transactions  we  take  the  beginning  balance  of  Purchase  transactions  on 
your  Account  each  day,  add  any  new  Purchases,  and  subtract  any  payments  or 
credits,  and  unpaid  INTEREST  CHARGES  and  other  FINANCE  CHARGES.  This  gives 
us the daily balance of Purchase transations. Then, we add up all the daily balances of 
Purchase transactions for the billing cycle and divide the total by the number of days 
in the billing cycle. This gives us the Average Daily Balance of Purchase transactions.
You have at least a 25 day grace period from the close of each billing cycle to pay the 
New Balance without incurring additional INTEREST CHARGES provided that either: 
(1) we received payment in full of the ending balance for the previous billing cycle by 
the  Payment  Due  Date  disclosed  in  the  previous  billing  cycle’s  periodic  statement; 
or (2) the previous billing cycle’s ending balance was $0. If you have a grace period 
to pay the New Balance for any billing cycle, and do not pay the New Balance in full 
during this grace period, INTEREST CHARGES will be assessed on any portion of the 
New Balance not paid during the grace period using the Average Daily Balance method 
as  explained  above.  The  Payment  Due  Date  disclosed  on  each  periodic  statement 
provided to you is the last day of your grace period for that statement’s billing cycle.
This determines our total INTEREST CHARGE for the billing cycle. Actual INTEREST 
CHARGES  will  be  shown  on  your  periodic  statement.  The  combination  of  periodic 
INTEREST  CHARGES,  Cash  Advance  Fee,  Balance  Transfer  Fee,  and  Foreign 
Transactions Fee, will not exceed the ANNUAL PERCENTAGE RATE permitted under 
applicable law.
MINIMUM PAYMENT: Every month, you must pay at least the Minimum Payment Due by 
the Payment Due Date shown on your periodic statement. By separate agreement, you may 
authorize us to automatically transfer the Minimum Payment Due from your Credit Union 
share or share draft account. You may of course, pay more frequently, pay more, or pay 
the Account Balance in full, and you will reduce your periodic INTEREST CHARGE by doing 
so. The Minimum Payment Due will be either: (a) 2.0% of your Account Balance, or $10.00, 
whichever is greater; or (b) my Account Balance, if it is less than $10.00.
In addition, you must pay any amount on your periodic statement listed as past due and 
any late charge. Lastly, at any time your Account Balance exceeds your Credit Limit, you 
must pay the excess in addition to any Overlimit Charge.
You  understand  and  agree  that  any  Minimum  Monthly  Payment  made  by  you  will  be 
applied  in  the  following  order:  (a)  unpaid  fees  and  charges,  if  any;  (b)  unpaid  periodic 
INTEREST CHARGES, Transaction Fees, and other FINANCE CHARGES due on Purchases, 
Balance  Transfers,  and  Cash  Advances;  (c)  outstanding  balances  of  Cash  Advances, 
Balance  Transfers,  and  Purchases  previously  billed;  and  (d)  current  Cash  Advances, 
Balance Transfers, and Purchases. If two or more transactions are posted on the same 
day, your payment will be applied first to the smaller of them. Any payment you make in 
excess of the Minimum Monthly Payment will be applied to your balances subject to the 
highest  ANNUAL  PERCENTAGE  RATE  first,  then  to  balances  subject  to  lower  ANNUAL 
PERCENTAGE  RATES,  in  descending  order  of  ANNUAL  PERCENTAGE  RATES  until  all 
balances subject to an ANNUAL PERCENTAGE RATE are paid in full. Thereafter, we will 
apply all payments in excess of the Minimum Monthly Payment, if applicable, in the same 
order as we apply the Minimum Monthly Payment.
You must pay us directly and we must receive your payment and the remittance stub on or 
before the Payment Due Date in order for your Account to be credited by the Payment Due 
Date. All payments must be in U.S. dollars by check drawn on or a money order issued by 
a U.S. financial institution, naming us as payee. You must not send cash.
PREPAYMENT  OR  IRREGULAR  PAYMENTS:  Though  you  need  only  pay  the  Minimum 
Payment Due, you understand that you have the right to repay your Account Balance at 
any time without penalty. You also understand and agree that you will only be charged 
INTEREST CHARGES to the date you repay your entire Account Balance. You may make 
larger  payments  without  penalty  and  this  may  reduce  the  total  amount  of  INTEREST 
CHARGES  that  you  will  repay.  If  you  pay  more  than  the  Minimum  Payment  Due  in  any 
month and there is still a balance due, you must continue to make Minimum Payments in 
future months. Any partial payment of your Account Balance will not advance your next 
payment due date(s). You understand and agree that any payment that (a) delays or (b) 

accelerates the repayment of your Account Balance will (a) increase or (b) decrease your 
Daily Periodic INTEREST CHARGE.
PAYMENTS BY AUTOMATIC TRANSFER: If you request payment by automatic transfer, 
you understand and agree that no payment can or will be made if there are insufficient or 
uncollected funds in the designated sub-account to make the scheduled payment. Should 
this event occur, you understand and agree that you will not be released from making the 
payment. Any automatic transfer you have requested will remain in effect until you cancel 
it in writing or the Agreement is paid in full. We may cancel this service at our discretion.
TERMINATION: We  may  terminate  this  Agreement  and  Disclosure  Statement  upon  your 
default.  Either  you  or  us  may  terminate  this  Agreement  and  Disclosure  Statement  for 
other  good  cause.  In  no  event  shall  any  termination  relieve  you  of  your  obligation  to 
repay the entire Account Balance. You agree to return all the Cards issued to you or any 
party designated by you. In the event of termination, all amounts owing pursuant to this 
Agreement and Disclosure Statement shall become immediately due and payable without 
demand or further notice at our option at the current ANNUAL PERCENTAGE RATE until 
paid. If you fail to pay the entire outstanding Account Balance upon demand, you agree 
to pay all collection costs of the Credit Union, including reasonable attorneys’ fees. If you 
terminate the Account, you will remain liable to us for use of the Card and/or the Account 
until all Cards are returned to us and the Account Balance is paid in full.
LIEN  ON  SHARES:  If  you  have  voluntarily  agreed  to  a  lien  on  shares  in  your  Visa 
Application, you understand and agree that if you are in default on the Account, we may 
impress and enforce a lien on all shares (except IRA accounts) then on deposit needed by 
us to repay the unpaid balance of the Account in accordance with the Federal Credit Union 
Act §1757(11) and our bylaws.
Debt Protection: Debt Protection is voluntary and is not a condition of approval of this 
loan. It will only be made available if you sign a separate election form.
DEFAULT: You will be in default if: 1) you do not pay on time or in the proper amount(s); 
2) you fail to live up to any of the terms of this Agreement and Disclosure Statement; 3) 
your creditworthiness is impaired; or 4) you die, become insolvent or are the subject of 
bankruptcy or receivership proceedings. In the event of any action by us to enforce this 
Agreement  and  Disclosure  Statement,  you  agree  to  pay  the  costs  thereof,  reasonable 
attorneys’ fees, and other expenses. You understand and agree that INTEREST CHARGES 
at the ANNUAL PERCENTAGE RATE as permitted under this Agreement and Disclosure 
Statement will continue to accrue until you repay your entire Account Balance.
ACCELERATION  AND  COLLECTION  COSTS:  Upon  your  default,  you  understand  and 
agree that we have the right to temporarily or permanently suspend any and all Account 
and Card privileges and/or we may demand immediate payment of the Account Balance, 
including  INTEREST  CHARGES,  Transaction  Fees,  other  FINANCE  CHARGES,  Late 
Charges,  Overlimit  Fees  and  our  collection  costs,  reasonable  attorney’s  fees,  and  court 
costs (collectively, “collection-related charges”). You understand and agree that you will be 
subject to INTEREST CHARGES (at the applicable Daily Periodic Rate), Transaction Fees, 
other  FINANCE  CHARGES,  Late  Charges,  Overlimit  Fees  and  collection-related  charges 
under  the  terms  disclosed  in  this  Agreement  and  Disclosure  Statement,  until  you  repay 
the entire Account Balance.
UNAUTHORIZED  USE:  If  you  notice  the  loss  or  theft  of  your  Card  or  a  possible 
unauthorized  use  of  your  Card,  you  should  write  to  us  immediately  at:  7812  Edinger 
Avenue, Huntington Beach, CA 92647 or call us at: (800) 449-7728. 
You will not be liable for any unauthorized use that occurs after you notify us. You may, 
however, be liable for unauthorized use that occurs before your notice to us. In any case, 
your liability will not exceed $50. Your liability may be lower in cases of Visa® Card fraud 
in accordance with Current Visa® U.S.A., Inc. Operating Rules.
ELECTRONIC FUND TRANSFER: In the event a use of your Card or the Account number of 
the Card constitutes an Electronic Fund Transfer, the terms and conditions of my Electronic 
Services Disclosure and Agreement with you shall govern such transactions to the extent 
the Electronic Services Disclosure and Agreement expands or amends this Agreement and 
Disclosure Statement.
RESPONSIBILITY OF BORROWER: You agree to repay us according to the terms of this 
Agreement and Disclosure Statement for all Purchases, Advances, INTEREST CHARGES, 
Transaction  Fees,  other  FINANCE  CHARGE,  Late  Charges,  and  Overlimit  Fees  (if  any) 
arising  from  the  use  of  the  Account  by  you  or  any  other  person  you  permit  to  use  the 
Account, even if that person exceeds your permission. You cannot disclaim responsibility 
by notifying us, although we will close the Account if you so request and you will return 
all  Cards  to  us.  Your  obligation  to  pay  the  Account  Balance  continues  even  though  an 
agreement,  divorce  decree  or  other  court  judgement  to  which  we  are  not  a  party  may 
direct you or one of the other persons responsible to pay the Account. Any person using 
the Account and/or Card is jointly and severally responsible with you for charges he or 
she makes, plus any FINANCE CHARGES, Overlimit Fees, Other Fees and Charges and 
expenses  provided  for  in  this  Agreement  and  Disclosure  Statement,  but  if  that  person 
signs the Card he or she becomes a party to this Agreement and is also responsible for all 
charges on the Account, including yours.
AUTHORIZED USERS: You may allow Authorized Users on your Account by notifying us that 
you want someone added to your Account as an Authorized User, or by lending your Card or 
Account Number to another, or by any other ways in which you would be legally considered 
to have allowed another to use your Account.
FOREIGN  TRANSACTIONS:  Purchases,  cash  advances  and  credits  made  in  foreign 
currencies  will  be  billed  to  your  Account  in  U.S.  dollars.  The  conversion  to  U.S.  dollars 
will  be  made  in  accordance  with  the  VISA  operating  regulations  for  international 
transactions. Such regulations provide for either a 0.8% currency exchange fee for single 
currency international transactions (transactions made internationally without a currency 
conversion)  or  1%  currency  exchange  fee  for  multi-currency  international  transactions 
(transactions made internationally that require a currency conversion), which is added to 
the amount of the purchase, cash advance, or credit and retained by VISA. The exchange 

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c) 

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.  The  conversion  rate  may  be  different  than  the  rate 
on the day of the transaction or date of the posting of the Account. When a credit to the 
Account does not fully offset a charge to the Account due to changes in the rate, you will be 
responsible for the difference.
OTHER CHARGES: The following Other Charges will be added to your Account, as applicable:
a)  ANNUAL FEE: None
b)  RETURNED CHECKS: A fee of $30.00 will be assessed for each VISA payment 
check  that  is  returned  to  the  Credit  Union  for  non-sufficient  funds.  However, 
the Returned Checks Fee shall not exceed the amount of the Minimum Monthly 
Payment due or the maximum amount permitted under applicable law.
LATE PAYMENT FEE: We will charge a fee as described below with respect to 
any monthly billing cycle as a Late Payment Fee on the minimum payment due 
that is not paid within 5 days after the date the payment is due. However, the Late 
Payment Fee shall not exceed the amount of the Minimum Monthly Payment due 
or the maximum amount permitted under applicable law.
  If your Account Balance is less than $1,000 the Late Payment Fee is $10.00 
  If your Account Balance is $1,000.01 to $1,250.00 the Late Payment Fee is $20.00 
  If your Account Balance is $1,250.01 or greater, the Late Payment Fee is $25.00
SURRENDER OF CARD(S): The Card(s) remains our property and, if we request, you must 
surrender to us all Card(s) we have issued on the Account.
LOST OR STOLEN CARDS AND CHECKS: You will notify us AT ONCE if you believe that 
the Card, Account number, PIN or any combination of the four has been lost or stolen or 
if you think your Account is being used without your permission, by immediately calling us 
at (800) 444-6327 between 9:00 a.m. and 4:00 p.m. (Pacific Time), Monday through Friday, 
excluding holidays and weekends or after Credit Union hours at 1-800-449-7728.
Telephoning is the best way of keeping your possible losses down. You understand that 
your total liability to us shall not exceed $50.00 for any Account and/or Card transactions 
resulting from the loss, theft, or other unauthorized use of the Account and/or Card that 
occurs  prior  to  the  time  you  give  notice  to  us.  Such  liability  does  not  apply  when  the 
Account and/or Card is used to make an electronic transfer.
PAYMENTS MARKED “PAID IN FULL”: We may accept checks, money orders, or other 
types  of  payment  marked  “payment  in  full”  or  using  other  language  to  indicate  full 
satisfaction of any indebtedness without being bound by such language or waiving any 
rights under this Agreement and Disclosure Statement. Full satisfaction of indebtedness 
shall be accepted by us only in a written agreement, signed by an authorized representative.
DELAY IN ENFORCEMENT: We can delay enforcing any of our rights under this Agreement 
and Disclosure Statement without losing them.
GOVERNING  LAW:  You  understand  and  agree  that  this  Agreement  and  Disclosure 
Statement is made in California and shall be governed by the laws of the State of California 
to the extent that California law is not inconsistent with controlling Federal law. You also 
understand that California’s choice of law rules shall not be applied if they would result in 
the application of non-California law.
INTEGRATED  DOCUMENT(S):  Any  separate  sheet  of  paper  labeled  “VISA  Credit  Card 
Acceptance  Letter,”  “Share  Pledge  Agreement  Securing  a  Credit  Card”  or  “Additional 
Disclosure – Federal Truth-in-Lending Act” which is delivered together with this Agreement 
and Disclosure Statement is an integrated part of this Agreement and Disclosure Statement.
MEMBERSHIP REQUIREMENT: You understand and agree that you must be and remain 
a  member  in  good  standing  with  us  to  be  eligible  for  continuing  Account  and/or  Card 
privileges including future Purchases and Advances. You understand and agree that we 
may suspend the Account and/or Card privileges during any period in which you do not 
maintain your membership with us.
TELEPHONE MONITORING: We may listen to and record telephone calls between you and 
us to monitor and improve the quality of service you receive.
CHANGE OF NAME, ADDRESS, EMPLOYMENT STATUS: You understand and agree that 
you must notify us immediately of any change in your name, address, or employment status.
ACCURACY  OF  INFORMATION:  The  information  provided  in  your  request  for  credit 
(Application) is accurate and you will notify us in writing immediately if there is a change in 
your financial condition. We may retain the Application. You understand that it is a violation 
of Section 1014, Title 18, US Code to make false statements or over value security for the 
purpose  of  influencing  the  action  of  any  federally  insured  credit  union.  We  may  gather 
credit and/or employment information we deem necessary and appropriate from time to 
time and we may give information concerning your credit experience with you to others.
TRANSACTION  SLIPS:  Your  periodic  statement  will  identify  the  merchant,  electronic 
terminal, or financial institution at which transactions were made, but sales, Cash Advance, 
credit, or other slips cannot be returned with the periodic statement. You will retain the 
copy of such slips furnished at the time of the transaction in order to verify your periodic 
statement. We may charge a reasonable fee for any photocopies or slips you request.
MERCHANT  DISPUTES:  The  Credit  Union  is  not  responsible  for  the  refusal  of  any 
merchant  or  financial  institution  to  honor  the  Account  and/or  Card.  We  are  subject  to 
claims and defenses (other than tort claims) arising out of goods or services you purchase 
with the Card only if you have made a good faith attempt but have been unable to obtain 
satisfaction  from  the  merchant,  and  (a)  your  purchase  was  made  in  response  to  an 
advertisement we sent or participated in sending you; or (b) your purchase cost more than 
$50.00 and was made from a merchant in your state or within 100 miles of your current 
mailing address. Any other dispute you must resolve directly with the merchant.

RETURNS AND ADJUSTMENTS: If a merchant discloses a policy such as “no returns”, “no 
refund”, “no return or credit without receipt”, “as is”, “store credit only”, or “all sales final”, 
you will be bound by that policy when you use your Account to buy goods or services from 
that merchant. Merchants and others who honor the Account and/or Card may give credit 
for returns or adjustments, and they will do so by sending us a credit slip which we will post 
to the Account. If your credits and payments exceed what you owe us, we will hold and 
apply this credit balance against future Purchases and Cash Advances, or if it is $1.00 or 
more, refund it on your written request or automatically after six (6) months.
RECURRING  TRANSACTIONS:  If  you  authorize  a  merchant  to  charge  your  Account  for 
repeat transactions without your Card, you must notify the merchant when you want to 
discontinue  the  recurring  transactions  or  if  your  Account  is  closed  or  a  new  Account 
number is issued by us.

PLEDGE OF SHARES: If you have signed a separate Share Pledge Agreement, you 
understand and agree that you are pledging, under the Uniform Commercial Code, 
shares now on deposit in your regular share account(s). You understand that you 
must, at all times, keep a sum equal to your Credit Limit on deposit in your regular 
share account(s) until you repay your entire Account Balance and the Account is 
terminated. You understand and agree that this security interest will cover future 
Purchases and Advances under this Agreement and Disclosure Statement. If you 
default, we may apply these shares to repay your loan in accordance with federal 
or other law. You understand that the ANNUAL PERCENTAGE RATE, quoted in the 
acceptance letter, does not take into account the amount pledged in your regular 
share account(s).

FOR CREDIT CARD TIPS FROM THE CONSUMER FINANCIAL PROTECTION BUREAU: 
To learn more about factors when applying for or using a credit card, visit the website of the 
Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

ADDITIONAL TERMS APPLICABLE TO  
CONVENIENCE CHECKS
CHECK  USES:  You  can  use  the  Visa  Convenience  Checks  (“Checks”  or  “Check”)  to 
purchase goods and services or to obtain cash up to the amount of your Credit Limit. Use 
of the Checks is a Cash Advance on your Visa Account.
LIMITATIONS: Checks may not be used to pay any amount you owe under this Agreement 
and  Disclosure  Statement  or  under  any  other  credit  agreement  or  account  you  have 
with us. We do not have to pay a Check if: (a) you are in default under this or any other 
agreement with us, (b) if payment would cause you to exceed your Credit Limit, (c) if your 
right to use Checks on your Account is cancelled, closed or suspended, (d) your signature 
or the payee’s name or endorsement is missing on the Check or the Check appears altered, 
or (e) your Check is post-dated. If a post-dated Check is paid resulting in another check 
being returned or not paid we are not responsible. We are not required to honor a Check 
that will cause you to exceed your Credit Limit. We will not pay a Check if at the time the 
Check is presented, you are in default or we have suspended, terminated, or canceled the 
Account. Each Check must be in the form we have issued to you. Checks may be used 
only by the person(s) whose name(s) is/are printed on the Check. You are responsible for 
all authorized use of the Checks. 
PERIODIC  STATEMENTS:  Your  periodic  statement  will  show  you  an  itemization  of  the 
Checks 
posted  to  the  Account  during  the  billing  cycle.  Checks  paid  by  us  will  not  be  returned 
to you with 
your periodic statement.
RETURNED CHECK FEE: We will charge a fee of $30.00 per returned Check which will be 
billed to the Account, if your Check cannot be paid.
STOP  PAYMENT:  Provided  such  request  is  timely  so  that  we  shall  have  a  reasonable 
opportunity  to  act  upon  it  under  our  rules,  you  may  order  stop  payment  on  a  Check 
drawn on the Account, other than one that has been guaranteed. In the event of an oral 
stop payment order, the order shall be valid for only fourteen (14) days thereafter unless 
confirmed in writing. Written stop payment orders will remain in effect only six (6) months 
unless renewed in writing. You have the burden of establishing the fact and amount of loss 
resulting from payment contrary to a binding stop payment order. We will charge a fee of 
$30.00 per Check when you place a stop payment on your Check(s) which will be billed to 
the Account. The fee will be $20.00 if made via ABIL Audio Response or Home Banking.
To stop payment on a Check, you must call us at (800) 444-6327 during our business hours 
of  9:00  a.m.  to  6:00  p.m.  with  the  following  information:  the  exact  dollar  amount  of  the 
Check; the Check number; your Account number; the name of the party to whom the Check 
was written and the name of the person who signed the Check. We will stop payment on 
the Check if we receive your stop payment request by the business day before the day we 
pay your Check. You may write to us to cancel the order at any time. 
SURRENDER OF CONVENIENCE CHECKS: The Checks are our property. We reserve the 
right to revoke them at any time. You agree to return them at our request.
If a Card is reported lost or stolen, the Checks are null and void. 
You agree to hold us harmless and to indemnify us from any liability incurred due to a delay 
or misrouting of a Check where the delay or misrouting is caused by markings placed on 
the Check by you or a prior endorser that obscure any depository endorsement placed by 
us or our agent.

5

6

YOUR BILLING RIGHTS
(Keep this Notice for future use.)
This  notice  contains  important  information  about  your  rights  and  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, you must write to us at: 

NuVision Federal Credit Union
7812 Edinger Avenue
Huntington Beach, CA 92647.

You may also contact us via secure e-mail by visiting our website.
In your letter, you must 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 my bill, you must 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	automatic	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 is 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 the payment is due. 
We may then report me 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 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 have fully paid for the purchase.

If all of the criteria above are met and you are still dissatisfied with the purchase, you 
must contact us in writing or electronically at:

NuVision Federal Credit Union
7812 Edinger Avenue
Huntington Beach, CA 92647.
www.nuvisionfederal.org

You may contact us via secure e-mail by visiting our website.
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.

FORM 543   REV. 11/12

00133-456-01

7

NuVision Federal Credit Union
P.O. Box 1220
Huntington Beach, CA 92647-1220

www.nuvisionfederal.org

VISA
CREDIT CARD
AGREEMENT AND 
FEDERAL TRUTH-IN- 
LENDING DISCLOSURE 
STATEMENT

PLEASE KEEP THIS
BROCHURE FOR YOUR
RECORDS

THIS DISCLOSURE SUPERSEDES
ALL DISCLOSURES PRIOR TO THE
EFFECTIVE DATE SHOWN BELOW.

EFFECTIVE NOVEMBER 1, 2012