VISA CREDIT CARD AGREEMENT AND FED-ERAL TRUTH-IN-LENDING DISCLOSURESTATEMENT
In the following Visa Credit Card Agreement and FederalTruth-in-Lending Disclosure Statement (�Agreement�), thewords �I,� �me,� �mine,� �my,� �us,� �they,� �their,� and �our�mean each and all of those who apply for or use a DigitalFederal Credit Union (DCU) Visa Card(s) whether PrimeOwner, Co-Borrower, or other authorized user.  The words�you,� �your,� and �yours� mean DCU.  �Card� means VisaPlatinum, or Visa Platinum Rewards issued to me and anyduplicates you may issue.  �Account� means my Visa CreditCard Account with you.  �Statement� means my Visa MonthlyStatement of activity and payment information. "Letter" meansthe Visa Credit Card Approval Letter that is sent once a Visa isapproved and is incorporated herein by reference. This accountis subject to the Visa Additional Federal Disclosure Table& Schedule of Fees and Service Chargesalso incorporated hereinby reference.  I agree to its terms and conditions as well as thefollowing terms and conditions and any amendments thereto,by requesting and receiving, signing, using, or permitting othersto use the Visa Card(s) and/or Account issued to me by DCU.
PAYMENT
I promise to repay you in United States dollars at your office,or at the address indicated on my Statement, all sums advancedto me or any person I permit to use this account as well as anyapplicable FINANCE CHARGE, fee, or service charge inaccordance with the terms and at the rates set forth herein.Payments will be credited to my DCU balance upon receipt. Iwill allow one business day for payments to be reflected in myavailable balance with Visa.
ANNUAL PERCENTAGE RATE (APR)
The APR used to calculate the FINANCE CHARGE when appli-cable on DCU's Visa Credit Card Accounts is a variable rate.The APR for my Visa Credit Card Account was stated in theLetter and was based in part on my personal credit history. 
PERIODIC FINANCE CHARGE
FINANCE CHARGE begins to accrue from the date the transac-tion is posted to my Account. The FINANCE CHARGE is calcu-lated (and stored) each day during the billing cycle by taking thebeginning day�s balance and multiplying it by the Periodic Ratedivided by 365. The total FINANCE CHARGE for the BillingCycle is the sum of all stored FINANCE CHARGES for thatcycle. No FINANCE Charge will be imposed on new purchaseswhich appear for the first time during the Billing Cycle if theentire Previous Statement Balance (including unpaid FINANCECHARGE) is paid in full by the payment Due Date and there isno new cash advance activity. Cash Advances will incur a dailyFINANCE CHARGE for each day the Cash Advance balanceremains on the account. You define Cash Advance in this disclo-sure under ACCESSING THE ACCOUNT.FINANCE CHARGE is calculated using the balance as of thebeginning of each day in the Billing Cycle. While transactionsactually posted to my account on the Billing Cycle Close Datewill be included in the Balances and other Totals at the bottom ofeach statement, they will not have been used in the calculation of that cycle�s FINANCE CHARGE as the beginning balance forthat day would have already been determined.Average Daily Balance: Although the FINANCE CHARGE iscalculated daily, the Average Daily Balance is provided on mystatement for reference. The Average Daily Balance is the totalFINANCE CHARGE for the cycle divided by the number ofdays in the cycle divided by the Periodic Rate. The Periodic Rate is APR divided by 365. I understand there may be minor variations due to rounding.MILITARY LENDING ACT DISCLOSURE
For extensions of Consumer Credit to Covered Borrowers, as those terms are defined within the Military Lending Act regulations under 12 USC 232, Federal law provides importantprotections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general,the cost of consumer credit to a member of the Armed Forcesand his or her dependent may not exceed an annual percentagerate of 36 percent. This rate must include, as applicable to thecredit transaction or account: The costs associated with creditinsurance premiums; fees for ancillary products sold in connection with the credit transaction; any application feecharged (other than certain application fees for specified credittransactions or accounts); and any participation fee charged(other than certain participation fees for a credit card account).To hear this disclosure and a description of you payment obligation, please contact DCU toll free at 800.328.8797, weekdays from 8:00 am to 9:00 pm and Saturdays from 9:00 am to 3:00 pm, Eastern time.
MINIMUM PAYMENT
I must pay at least the �Required Payment Due� by the payment�Due Date� shown on my Statement. The �Required PaymentDue� includes the Minimum Payment Due, Past Due amounts,any outstanding  fees, and any amount in excess of my CreditLimit, as applicable. I may pay more than the Required PaymentDue, pay more frequently or pay the Previous Balance whichincludes any FINANCE CHARGE due, and by doing so willreduce my FINANCE CHARGE.  Information regarding myMinimum Payment Due is stated in the Disclosure Table.
APPLICATION OF PAYMENTS
I understand that any Payment received is applied in the follow-ing order as applicable: (1) Miscellaneous and Late Fees, (2) allunpaid FINANCE CHARGE, (3) principal.  Principal is reducedin the following order:�Purchase balance as of last statement�Cash advance balance as of last statement�Purchase this cycle�Cash advances this cyclePayments received that are in excess of the required minimumwill be applied to balances in descending rate order as applicable.If all principal balances have the same rate, the payment isapplied to those balances that are in-grace first (e.g. newPurchases), then to non-grace balances (e.g. Cash Advance/OtherDebit balances).
LATE CHARGE
A Late Charge will be assessed on my Account if my �RequiredPayment Due� is not received by you at the address on the frontof my Statement by the payment �Due Date.�  The �RequiredPayment Due� will include the Minimum Payment Due, PastDue Amounts, any Fees and Late Charges, and any amount inexcess of my Credit Limit.OTHER FEES
Additional fees, as stated in your Schedule of Fees and ServiceCharges, may apply. 
CREDIT LIMIT
You established a Credit Limit for me.  This was stated in myLetter.  I agree not to let the unpaid balance exceed this CreditLimit.  I agree to advise you of any change in my financial condition which may affect my creditworthiness.  I agree that Iwill update the credit information I have provided you, fromtime to time, on your request.  I may request an increase in myCredit Limit with the understanding that Credit Limit increasesmust be approved by you. 
PURCHASES, ADVANCES, AND LIMITATIONS
I may make purchases and request advances in accordance withthe current loan policies up to my Credit Limit. I understand andagree that all purchases, advances, and other transactions requested by me are subject to your authorization and/or approvaland that, for security reasons you may limit the number of thesetransactions authorized daily.  If circumstances beyond your reasonable control (such as the electronic authorization systembeing �down�) prevent authorization from being obtained, Iunderstand that approval may be based on an adjusted CreditLimit, not to exceed my actual available Credit Limit.
ACCESSING THE ACCOUNT
I may authorize a purchase by presenting my Card or CardNumber to a participating VISA plan merchant.  AuthorizedCash Advances, for purpose of this disclosure and reflected onmy Statement as such, would be transactions by any of the fol-lowing methods: presenting my Card or Card Number to you oranother financial institution and signing or authorizing a cashadvance draft; my properly completing a VISA draft; using myPersonal Identification Number (PIN) in conjunction with myCard at an Automated Teller Machine (ATM) or other type ofelectronic terminal that provides access to the VISA system;transferring or withdrawing funds directly from my DCU VisaAccount through Online Banking, your home banking system;authorizing a Balance Transfer whether via your home bankingsystem, in-person at a branch location, or over the phone viayour Call Center; or, having previously authorized your advanc-ing of funds from this Account to clear the amount of any over-draft on my DCU Checking Account up to my available CreditLimit, in such increments as you may determine, and withoutany advance notice to me. My Card and/or Account may not be used for any illegal activity or transaction.  Further, I may not utilize my Cardand/or Account for the purchase of any goods or services on theInternet that involves gambling of any sort.  Such transactionsinclude, but may not be limited to, any quasi-cash or onlinegambling transaction, any electronic commerce transaction conducted on an open network, and any betting transactionincluding the purchase of lottery tickets or casino gaming chipsor off-track betting or wagering.  However, in the event that acharge or transaction described in this paragraph is approvedand processed, I will still be responsible for such charges. ELECTRONIC FUNDS TRANSFER
In the event that the use of my Card or Account Number constitutes an electronic funds transfer, the terms and condi-tions of the �Electronic Services Disclosure and Agreements� Ireceived from you will govern such transactions to the extentthat it expands or amends this Agreement.
PREPAYMENT OR IRREGULAR PAYMENTS
Although I must pay the Total Minimum Payment Due, I under-stand that I have the right to make additional payments at anytime without penalty.  I also understand I will only be charged aFINANCE CHARGE to the date I repay my entire loan. I maymake larger payments without penalty and this may reduce thetotal amount of FINANCE CHARGE I will repay. Any partialpayment that (a) delays or (b) accelerates the repayment of my unpaid balance will (a) increase or (b) decrease myFINANCE CHARGE.
DEFAULT
I may be considered to be in default if (a) I do not pay the TotalMinimum Payment Due on time, (b) my share account(s) isseized or attached by legal process and I have authorized you toautomatically transfer payments from such account(s) to myVISA account, (c) I exceed my Credit Limit, (d) I fail to adhere toany of the terms of this Agreement, (e) my creditworthiness isimpaired, (f) I die, become insolvent or I am the subject of bankruptcy or receivership proceedings, (g) I am in default on anyother loan(s) with you, or (h) I have made any misrepresentationin connection with the loan application and/or this Agreement.  IfI am in default, you may terminate this Agreement, terminate anyaccumulated points (if applicable), and demand immediate payment of my entire loan.  I understand that FINANCECHARGES, Late Charges and other fees (if any) permitted underthis Agreement will continue to accrue until I repay my entireloan.  I also agree to pay your collection costs, reasonable attorney's fees, and court costs should they become necessary. If Iam in default at the time of reissue of my Card(s), you will notreissue my Card(s).
TERMINATION
You may terminate this Agreement upon adverse re-evaluationof my creditworthiness or my default.  By giving written notice,either you or I may terminate this Agreement for other goodcause. In addition, you may suspend credit privileges or reducemy credit limit upon adverse re-evaluation of my creditworthi-ness. Written requests to remove a borrower's right to obtainadvances or make purchases under this Agreement will permanently close the account to any further advances or purchases.  I must write you at:  DCU, Attn: Card Services, 220 Donald Lynch Blvd., PO Box 9130,Marlborough, MA01752-9130.  In no event will any termination relieve me of myobligation to repay sums already borrowed, Late Charges, Feesand Late Charges, collection costs, reasonable attorney's fees,court costs, and FINANCE CHARGE.  
CHANGE OF NAME, ADDRESS, EMPLOY-MENT, OR CREDITWORTHINESS
I agree to notify you of any change in my name, address,employment, or creditworthiness.LATE PAYMENTS AND INCREASE TO APR
If I fail to pay at least the total �Minimum Payment Due� by thepayment �Due Date� my payment will be considered late and Imay be considered in default.  If my payment is considered 60days late at any time, I understand the Annual Percentage Rate(APR) used in calculating the FINANCE CHARGE, will bechanged to that stated in the enclosed Disclosure Table. Theadjusted rate will be effective as of the date stated in the noticewhich you will send me no later than 45-days prior to implementing the change and will remain in effect indefinitelyunless the first six (6) payments due after the application of thePenalty Rate are made on time, in which case the rate will berestored to that which was in effect prior to the Penalty Rate beingapplied. If at anytime you consider my account in default, I understand you may demand full payment and return of myCard(s). I also agree to pay outstanding Fees, collection costs, reasonable attorney fees, and court costs as applicable.
RESPONSIBILITY
I agree to repay you according to the terms of this Agreement forall purchases, advances, FINANCE CHARGES, Fees and LateCharges  , and collection costs arising from the use of the Accountby me or any other person I permit to use my Account even ifthat person exceeds my permission.  Any person using theAccount is jointly and severally responsible with me.
CHANGE IN TERMS
This agreement is the contract which applies to all transactionson my Account even though the sales, cash advance, credit, orother slips I sign or receive may contain different terms.  Iunderstand that you may amend, modify, add to, or delete fromthis Agreement any of the terms and conditions including themethod of application and the amount of FINANCE CHARGE,effective as to any subsequent advance, by mailing a notice ofthe change to me at my last known address.  I also understandthat any such notice will be mailed at least forty-five (45) daysprior to the effective date of the change as required by Federalor other law. Notice of the change in terms is required, but maybe sent as late as the effective date of the change where thechange has been agreed to in writing by me.  
SURRENDER OF CARD(S)
The Card(s) remains your property and I agree to surrender theCard to you upon request.  You may cancel, modify, or restrictthe use of the Card and/or Account with or without notice: ifmy Account is in default, if you are aware that I have violatedany term of this or any other DCU Disclosure or AccountAgreement whether or not you suffer a loss, or when necessaryto maintain or restore the security of my Account(s) which youmay choose to do, for example, if my Card remains inactive inexcess of twelve months and there is no outstanding balance.
LOST OR STOLEN CARD(S) AND UNAUTHORIZED USE
I agree to notify you within 48 hours if I believe my Card(s) hasbeen lost or stolen.  To report a lost or stolen Card(s), or theunauthorized use of my Card(s), Account Number, PersonalIdentification Number (PIN), or any combination of the three, Imust call you at: 800.328.8797, or write you at: DCU, Attn: CardServices, 220 Donald Lynch Blvd., PO Box 9130,  Marlborough, MA 01752-9130. I may be liable for the unau-thorized use of my Account. I will not be liable for unautho-rized use that occurs after I notify you by phone or when youreceive my written notification at the above address. In anycase, my liability for unauthorized use will not exceed $50.00.However, in accordance with Visa International, Inc. OperatingRules and Regulations, my liability for fraudulent transactionsresulting from the use of a lost/stolen Card will be $0.
TRANSACTION SLIPS
My Statement will identify the merchant, electronic terminal,or financial institution at which transactions were made butsales, cash advances, credit, or other slips cannot be returnedwith the Statement. I will retain the slips furnished at the timeof transaction in order to verify my Statement activity. Youmay charge a Duplicate Copy fee for any photostatic copies ofslips I request.
CREDIT INFORMATION
I authorize you to investigate my credit standing when opening,renewing, or reviewing my Account and I authorize you to dis-close information regarding my Account to others who inquireof you about my credit standing to the extent authorized by law.
PLAN MERCHANT DISPUTES
You are not responsible for the refusal of any plan merchantor financial institution to honor my Card. You are subject toclaims and defenses (other than tort claims) arising out ofgoods or services I purchase with the Card, only if I havemade a good faith attempt but have been unable to obtain satisfaction from the plan merchant, and (a) my purchase wasmade in response to an advertisement you sent or participatedin sending me; or (b) my purchase cost more than $50 andwas made from a plan merchant in my state or within 100miles of my current mailing address. I must resolve any otherdispute directly with the plan merchant.
FOREIGN TRANSACTIONS
Purchase and Cash Advances I make in foreign countries andin foreign currencies will be billed to me in U.S. dollars. Theexchange rate between transaction currency and the billingcurrency used for processing international transactions is arate selected by Visa from the range of rates available inwholesale currency markets for the applicable central process-ing date, which rate may vary from the rate Visa itselfreceives; or the government-mandated rate in effect for theapplicable central processing date.
PAYMENTS MARKED �PAID IN FULL�
You may accept checks or other types of payment which aremarked �payment in full� or use other language to indicatefull satisfaction of any indebtedness, without being bound bysuch language or waiving any rights under this Agreement.Full satisfaction of indebtedness shall be accepted by you onlyin a written agreement, signed by an authorized representative.
RETURNS AND ADJUSTMENTS
Merchants and others who honor my Card may give credit forreturns or adjustments, and they will do so by transmitting acredit to my Account. If this credit exceeds my outstandingbalance, any residual will be transferred to my share account.DELAY IN ENFORCEMENT
You can delay enforcing any of your rights under thisAgreement without losing them.
GOVERNING LAW
I understand and agree that this Agreement is made inMassachusetts and shall be governed by the Laws of the Commonwealth of Massachusetts to the extent thatMassachusetts law is not inconsistent with controlling federallaw. I also understand that Massachusetts' choice of law rulesshall not be applied if they would result in the application ofnon-Massachusetts law.
INTEGRATED DOCUMENT(S)
Any separate sheet of paper labeled �Additional FederalDisclosure� which is delivered with or separate from this document is an integrated part of this Agreement and is incorporated by this reference.
ADDITIONAL TERM APPLICABLE TO VISACHECKS
Check Uses:I can use my Visa Checks (�Checks�) to purchase goods and services or to obtain cash up to theamount of my Credit Limit. Use of my Checks is a cashadvance on my Visa Account.Limitations:
You are not required to honor a Check that willcause me to exceed my Credit Limit. You will not pay aCheck if at the time the Check is presented, I am in default oryou have suspended, terminated, or canceled my Account.Each Check must be in the form you have issued to me.Checks may be used only by the person(s) whose name(s) isprinted on the Checks. I am responsible for all authorized useof my Checks. I may not use my Checks to pay any amountwhich I owe you under my Account.Periodic Statements:
My Statement will show me an itemiza-tion of the Checks posted to my Account during the billingcycle. Checks paid by you will not be returned to me with myStatement.Returned Check Fee:
You will charge a fee per returnedCheck which will be billed to my Account, if my Check(s)cannot be paid.Stop Payment:
Provided such request is timely, so that youshall have a reasonable opportunity to act upon it under yourrules, I may order a Stop Payment on a Check drawn on myAccount, other than one that has been guaranteed. You may,but shall not be obligated to, receive such order orally. In suchevent, the order shall be valid for only fourteen (14) daysthereafter unless confirmed in writing. Written stop paymentorders will remain in effect only six (6) months unlessrenewed in writing. I have the burden of establishing the factand amount of loss resulting from payment contrary to a bind-ing stop payment. You will charge a fee when I place a StopPayment on my check(s) which will be billed to my Account.Surrender of Visa Checks:Checks are your property. Youreserve the right to revoke them at any time. I agree to returnthem at your request.
COPY RECEIVED
I acknowledge receipt of this copy of your �Visa Credit CardAgreement and Federal Truth-in-Lending DisclosureStatement� and accept and agree to its terms and conditions.
NOTICE
See the statement below for important information regardingmy right to dispute billing errors.
MYBILLING RIGHTS
(KEEP THIS NOTICE FOR FUTURE REFERENCE)
This notice contains important information about my rightsand your responsibilities under the Fair Credit Billing Act.
NOTIFICATION IN CASE OF ERRORS OR QUESTIONS ABOUT MY STATEMENT
If I think my Statement is wrong, or if I need more informa-tion about a transaction on my Statement, I must write you ona separate sheet at: DCU, Attn: Card Services, 220 DonaldLynch Blvd., PO Box 9130, Marlborough, MA 01752-9130.I must write as soon as possible. You must receive notificationfrom me no later than sixty (60) days after you send me theFIRST Statement on which the problem or error appeared. Imay telephone you but doing so WILL NOT preserve myrights. In my letter, I must:          1. Tell you my name and account number;          2. Reference the dollar amount of the suspected error; and,          3. Describe the error or the transaction and explain asclearly as I can why I believe it is an error or why Ineed more information.If I have authorized you to make my Credit Card paymentautomatically from my Savings or Checking Account, I canstop the payment on any amount I think is wrong. To stop thepayment, I must write you at: Digital Federal Credit Union,Attn: Loan Servicing, 220 Donald Lynch Blvd., PO Box9130, Marlborough, MA 01752-9130. You must RECEIVEmy letter no later than three (3) business days before the auto-matic payment is scheduled to occur.
MY RIGHTS AND YOUR RESPONSIBILITIESAFTER YOU RECEIVE MY WRITTEN NOTICE
You must acknowledge my letter within thirty (30) days, unlessyou have corrected the error within that time. Within ninety(90)days, you must either correct the error or explain why youbelieve the Statement was correct.After you receive my letter and during your investigation, youcannot try to collect any amount I question or report me asdelinquent for my failure to pay this amount. You can continueto send me a Statement for the amount I question, includingany FINANCE CHARGES and you can apply any unpaidamount against my credit limit. I do not have to pay the amount in question while you are investigating but am still obligated to pay the portion(s) of my Statement that are not in question.If you find that you made an error, I will not have to pay anyFINANCE CHARGE related to any questioned amount. Ifyou did not make an error, I may have to pay applicableFINANCE CHARGES and I will have to make up any missedpayments on the questioned amount. In either case, you willsend me a Statement showing the amount I owe and the datethat it is due. If I then fail to pay the amount that you think Iowe, you may report me as delinquent. However, if yourexplanation does not satisfy me and I write to you within ten(10)days telling you that I refuse to pay, you must makeeveryone that you report to aware that I have questioned yourStatement and you must tell me the name of anyone youreport to. Further, you must notify anyone that you report toupon resolution of this matter.If you do not follow these rules, you cannot collect the first $50of the questioned amount, even if my Statement was correct.SPECIAL RULES FOR CARD PURCHASES
If I have a problem with the quality of property or servicespurchased with my Credit Card, and I have tried in good faithto correct the problem with the merchant, I may have the rightto not pay the remaining amount due on that property or service provided (a) I made the purchase in my home state orwithin 100 miles of my current mailing address; and (b) thepurchase was for more than $50.These limitations do not apply if you own or operate themerchant, or if you mailed the advertisement for the property or services.
SEVERABILITY
If any provision of this Agreement is found to be unlawfulor unenforceable, that provision shall be deleted from thisAgreement and the remaining provisions shall remain infull force and effect.  
Effective January 2019
M718   D514B (4.2020)VISA�CREDIT CARDAGREEMENT AND FEDERALTRUTH-IN-LENDING DISCLOSURE STATEMENTIMPORTANT DOCUMENTPLEASE KEEP FOR YOUR RECORDS
220 Donald Lynch Blvd � PO Box 9130Marlborough, MA 01752-9130800.328.8797dcu.org � dcu@dcu.orgTTY: 800.395.5146 (For Hearing Impaired Only) DCU Visa: 9.25% to 18.00%  when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on Prime Rate*.- Additional Federal Disclosure Table -
FeesAnnual Percentage Rate (APR) for Purchases,Balance Transfers, and Cash AdvancesPenalty APR (delinquency) and When ItAppliesHow Long Will the Penalty APR Apply? How to Avoid Paying Interest on PurchasesMinimum Interest ChargeFor Credit Card Tips from the Consumer Financial Protection BureauDCU Rewards Visa: 
12.00% to 18.00%  when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on Prime Rate*.
DCU Secured Visa:  12.25%  After that, your APR will vary based on Prime Rate*.
18.00%  This APR may be applied to your account if you make a late payment.If your APR is increased for this reason, the Penalty APR will apply until youhave made six consecutive payments (minimum or higher) when due, beginning with the first payment due following the effective date of the change.Your due date is approximately 25 days after the close of each billing cycle.We will not charge you interest on purchases if you pay your entire balance bythe due date each month.
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmoreNoneAnnual FeeNoneMinimum Finance Charge:�    Balance TransferPenalty Fees:None�    Cash AdvanceNone�    Foreign Currency TransactionNone�    Late PaymentUp to $35.00 per occurrence�    OverlimitNone
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)".
M718a X467A (6.2022).*The Prime Rate used to determine your APR is the Prime Rate as published in the Wall Street Journal at the end of the month immediately preceding the start of each billing cycle.The above information is current as of June 13, 2022, and is subject to change after that date. Please contact us at any branch, by emailing us at dcu@dcu.org or by calling 800.328.8797 if you wish to ascertain what changes, if any, have been made to the Credit Union's Visa credit card program since that date. (See also DCU's Visa Credit Card Agreement and Federal Truth in Lending Disclosure Statement ).