MasterCard� Consumer Credit Card Cardholder Agreement
This is the Agreement between Bethpage Federal Credit Unions 
(�we�, �our�, or �us�) and you concerning the MasterCard  
Consumer Credit Card Account (�Account�) and the individual  
MasterCard cards (�Card�) we have issued to you and other  
individuals at your request. This Agreement also governs the 
issuance and use of Convenience Checks, Balance Transfers  
and the use of your Cardholder Account to provide over draft  
protection, if applicable. In this Agreement, the words �you�  
and �your� mean the individual who applied for the Account  
by completing an Account application, and all individuals to  
whom we issue Cards at your request, (collectively, the �Authorized  
Users�). You and we are sometimes collectively called the  
�Parties� and individually a �Party�. In addition, the following 
terms have these meanings in this Agreement:
�  �Account Number� means the 16-digit number on the face of 
your Card.
�  �Balance Transfer� shall mean a transfer of a credit balance 
from another credit card account to your Account.
�  �Cash Advance� shall mean a loan from us to you other than 
a Credit Purchase. The following transactions are considered 
Cash Advances: requesting cash in person at any bank; making  
a credit transaction at participating ATM network machines;  
making a credit transaction through on-line banking; funding 
a wire transfer; purchasing money orders, travelers checks,  
lottery tickets, casino or gambling chips; or using a  
Convenience Check.
�  �Convenience Check� shall mean a convenience check that 
we may provide to you from time to time.
�  �Credit Limit� means the amount of credit we will make  
available to you under this Agreement. We will inform you  
of your Credit Limit in a letter we will send to you if your 
application is approved (the �Approval Letter�); however  
we may reduce your credit limit at any time in accordance 
with applicable law.
�  �Credit Purchase� shall mean use of your Card or Account  
Number to purchase or lease goods and/or services.
�  �Person� means, as the context requires, a human being and/
or any firm, corporation, partnership (including, without  
limitation, general partnerships, limited partnerships, and 
limited liability partnerships), limited liability company,  
joint venture, business trust, association or other legal entity 
other than us.
�  �Transaction� means each (a) Credit Purchase, (b) Cash  
Advance and (c) Balance Transfer.
�  �Transaction Date� means the date you (a) obtain a Cash  
Advance, (b) use a Convenience Check or (c) make a Balance 
Transfer, as applicable.
You will have accepted this Agreement, including section 23 titled  
WAIVER OF JURY TRIAL; LIMITATION OF DAMAGES ,  
when you activate any Card we have issued you by calling the  
activation telephone number included with the Card or by using  
the Card.1. Use of Account .
(a) You will not be able to perform a Transaction until you activate 
your Card.
(b) You must sign your name on the signature panel on the back of 
your Card as soon as you receive it to protect you and us from 
claims of unauthorized use. You will be obligated to repay all 
Transactions initiated by any Person who uses your Card or  
Account with your permission.
(c) You may make Credit Purchases by using your Card or  
Account Number at merchants that accept MasterCard credit 
cards.
(d) You may obtain Cash Advances, in an amount not to exceed 
75.00% of the difference between your Credit Limit and your 
outstanding Balance, by using your Card or Account Number 
at MasterCard-affiliated financial institutions, automated teller 
machines (�ATM�), using Convenience Checks and by other 
means permitted by MasterCard from time to time. If you obtain  
a Cash Advance from an ATM not owned by us, the ATM  
operator may also assess a fee.
(e) If MasterCard overdraft protection is available and you enter  
into a separate MasterCard overdraft financing agreement 
with us, you may use a Cash Advance to pay overdrafts on the  
deposit accounts identified in such agreement.
(f) We may, in our sole discretion, permit Balance Transfers from 
other credit card accounts to your Account. If the total amount 
of a Balance Transfer you request exceeds your Credit Limit, 
we may either send full or partial payment to your creditors 
in the order you provide them to us up to your Credit Limit 
or we may send you Convenience Checks for you to pay your 
creditors up to your Credit Limit. Allow at least two (2) weeks 
from account opening for processing. Continue paying each 
creditor until the transfer appears as a credit with your creditor. 
Balance Transfers incur interest charges from the Transaction 
Date. If you have a dispute with a creditor and pay that balance 
by transferring it to your new account, you may lose certain 
dispute rights.
(g) You agree that you will not use your Card, Account Number, or 
Convenience Checks:
i) if we or you have suspended or cancelled your Card or  
Account;
ii) after you report them as lost or stolen;
iii) after you file a petition for bankruptcy;
iv) if you do not honestly expect to be able to pay your Balance 
(as defined in section 5(a)) in full; and
v) for any illegal purpose, such as illegal gambling.
2. Convenience Checks . We may make Convenience Checks  
available at our sole discretion. Convenience Checks may only 
be used by Persons whose names are pre-printed on them. Each 
Convenience Check must be completed and signed in the same  
way you complete a personal check. If you use a Convenience 
Check, it shall be deemed to be an authorization for a Cash  
Advance. Convenience Checks may only be written in U.S.  
Dollars. A Convenience Check cannot be used to make a payment  
on your Account. We are not responsible if any Person or device 
refuses to accept a Convenience Check.
(a) We may refuse to pay a Convenience Check if:
i) it is postdated;
ii) the amount of the Convenience Check would, if paid, cause 
your New Balance (as defined in section 5) to exceed your 
Credit Limit or if your Account is in Default (as defined in 
section 20);
iii) is signed by a Person whose name is not pre-printed on its 
face;
iv) we or you have terminated or suspended your Card or  
Account for any reason; M-122844  M-122844  M-122844  M-122844
Page | 1the effective date of the increase. If the Penalty APR is  
applied to your Account due to a Default under any other  
provision of Section 20(a), the Penalty APR could apply to  
your Account indefinitely. The �Penalty APR� will be  
calculated by adding a 18.90% Margin to the Index Rate,  
asset forth on the Disclosure. If you are in Default, you  
authorize us to apply the funds in any deposit account in 
which we have a security interest to pay your Balance. If your  
Account is referred for collection to an attorney who is not 
one of our salaried employees, you agree to pay reasonable  
attorneys� fees as determined by the court, plus assessed court 
costs. Our failure to exercise any of our rights under this  
Agreement, including acceptance of a payment or late  
payment fee after a Due Date or after you have exceeded your 
Credit Limit, does not mean that we have waived our rights, 
nor will such failure prevent us from exercising our rights later.  
Upon termination, you must return all Card(s) (cut in half)  
and all Convenience Checks (marked �V oid�) to us.
21. Change of Terms . To the extent permitted by applicable law,  
we may change the terms of this Agreement at any time including,  
but not limited to, the APR, the formulas we use in computing  
the interest charge, the method of computing the Minimum  
Payment, the types and amounts of Fees, and the method we 
use to calculate the Average Daily Balance on which the interest 
charge is assessed. If we change this Agreement, we will give 
you notice as required by applicable law. If applicable law does 
not provide you with a right to reject the change or changes, 
such change in terms will become effective upon the later of 45 
days from the date of mailing or the date specified in the letter 
providing you with notice of the change in terms. If applicable 
law provides you the right to reject and you do not wish to accept 
the change or changes, you may reject the change or changes 
by notifying us of the rejection prior to the effective date of the 
change or changes at the toll-free telephone number provided 
in the notice. If you reject the change or changes, your ability  
to use the Account for further advances will be terminated. 
The following do not constitute a change of the terms of this 
Agreement: (a) an increase or decrease to the APR as a result  
of an increase or decrease to the Index Rate, and (ii) a change to the 
address or telephone numbers provided in sections 14 or 16.22.
Law that Applies. This Agreement, your Card, your Account 
and all Transactions hereunder are governed by New York and  
federal law. If any provision of this Agreement is held invalid,  
all valid provisions remain in effect.
23. WAIVER OF JURY TRIAL; LIMITATION OF DAMAGES. 
BY ACTIV ATING OR USING YOUR CARD, YOU AGREE 
AND UNDERSTAND THAT YOU ARE GIVING UP THE 
RIGHT TO TRIAL BY JURY AND LIMITING YOUR 
A V AILABLE DAMAGES TO THE EXTENT PERMITTED  
BY APPLICABLE LAW . To the fullest extent permitted by 
law, you irrevocably and voluntarily waive any right to trial by 
jury (which we also waive) in any action, suit, proceeding or  
counterclaim of any kind arising out of or otherwise relating to 
this Agreement, any Transaction, your Account, your Card or any 
of our actions or in actions in respect of any of the foregoing. To 
the fullest extent permitted by law, you also waive any right you 
may have at any time to claim or recover in any litigation or other  
dispute involving us, whether the underlying claim or dispute 
sounds in contract, tort or otherwise, any special, exemplary,  
punitive or consequential damages or any damages other than, 
or in addition to, actual damages. You acknowledge that we are  
relying upon and would not enter into this Agreement on the 
terms and conditions set forth herein but for your waivers and 
agreements under this section 23. This section 23 will survive: 
(i) termination or changes in this Agreement or the relationship with a copy of the agreement, statement or court order, or has  
actual knowledge of the provision. All obligations on this account  
will be incurred in the interest of your marriage or family. You 
understand that we may be required to give notice of this account  
to your spouse. Married Wisconsin residents must furnish  
their name and social security number as well as the name 
and address of their spouse to the following address : 
  Bethpage Federal Credit Union 
  899 S Oyster Bay Road 
  Bethpage, NY 11714 
28. Disclaimer of Liability . You may be offered certain benefits and 
services as a member of our MasterCard Consumer Card Program  
and holder of a Card. We reserve the right to adjust, add or  
delete benefits and services at any time. We offer the Card, the  
Account,and related services and benefits in our interest and  
disclaim any duty or responsibility other than as expressly set 
forth in this Agreement.29.Assignment. Cards and Convenience 
Checks issued under this Agreement are our property, and you 
must surrender them to us upon demand. We may cancel or  
repossess Cards and Convenience Checks, and revoke your  
privilege to use them, at any time without prior notice. We have 
the right to assign and transfer your Account and any of our  
rights under this Agreement without your consent or notice to  
you. The Person to whom the Account and Agreement is  
assigned shall be entitled to all of our rights under this Agreement.  
You cannot transfer or assign your Account or Card to anyone.
30. Captions for Reference Only . Captions are intended solely as 
aids to convenient reference, and no inference as to intent with 
respect to this Agreement may be drawn from them.
31.  Addendum or Disclosure . All addenda and disclosures given to 
you in connection with your Card and Account are incorporated 
by reference into this Agreement.
32. Credit Card Tips from the Consumer Finance  
Protection Bureau . To learn more about factors to  
consider when applying for or using a credit card, visit  
the website of the Consumer Finance Protection Bureau  
at http://www.consumerfinance.gov/learnmore .
33. Telephone Calls, Call Monitoring and Recording . When you  
give a telephone number directly to us or our agents, or place 
a telephone call to us or our agents, you authorize us or our 
agents to place calls to you at that number. You understand that a  
�telephone number� includes a cell phone number or V oIP and 
�calls� include both telephone calls and text messages to or from 
your phone, cell phone or V oIP. As examples, we may place 
calls to you about fraud alerts, deposit holds, and collection of  
amounts due to us on your account. When we or our agents make  
calls to you, we may use automatic dialers and artificial, text,  
or prerecorded messages. You agree to notify us immediately  
of any change in your telephone number(s). You authorize us  
and our agents to monitor and record telephone conversations 
and other electronic communications you have with us and with 
our agents for reasonable business purposes, such as security  
and quality assurance. We may not remind you that we may be  
monitoring or recording a call at the beginning of the call unless 
required by law to do so. You consent and agree in advance to 
these terms and conditions. To use this right, all of the following must be true: 
1.  The purchase must have been made in your home state or  
within 100 miles of your current mailing address, and the  
purchase price must have been more than $50.00. (Note:  
Neither of these are necessary if your purchase was based on 
an advertisement we mailed to you, or if we own the company  
that sold you the goods or services.)
2.  You must have used your credit card for the purchase. Purchases  
made with cash advances from an ATM or with a check that  
accesses your credit card account do not qualify.
3.  You must not yet have fully paid for the purchase. If all of  
the criteria above are met and you are still dissatisfied with the 
purchase, contact us in writing at: 
  Bethpage Federal Credit Union  
 P.O. Box 9214  
 Old Bethpage, NY 11804 
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.
NOTICE:  
Federal law provides important protections to members of 
the Armed Forces and their dependents relating to extension 
of consumer credit. In general, the cost of consumer credit 
to a member of the Armed Forces and his or her dependent 
may not exceed an annual percentage rate of 36 percent. This 
rate must include, as applicable to the credit transaction or ac -
count: The costs associated with credit insurance premiums; 
fees for ancillary products sold in connection with the credit 
transaction; any application fee charged (other than certain 
application fees for specific credit transactions or accounts); 
and any participation fee charged (other than certain partici -
pation fees for a credit card account). To receive this notice 
verbally or to receive a description of your payment obliga -
tions, please call 1-800-628-7070 during our normal business 
hours.
The following applies is at the time you open this Account you 
are a member of the military or a dependent (as those terms 
are defined in the Military Lending Act, 10 U.S.C. 987 and 
its implementing regulations): this Agreement will not be se -
cured by a consensual lien on shares or deposits in any of your 
accounts unless you specifically agree to establish an account 
in connection with this loan (�Secured Account�). Only funds 
deposited into the Secured Account after the loan is made will 
secure this loan. Any cross-collateralization provision con -
tained in your Agreement or membership documents will not 
apply to the Secured Account or your other share or depos -
it accounts for any Account subject to the Military Lending 
Act. However, with regard to this Account, we still reserve 
our statutory lien rights and any resulting rights to set-off or 
administrative freeze under federal or state law, which gives 
us the right to apply the sums in the Secured Account or any 
other account(s) you have with us to satisfy your obligations 
under this Agreement. Any contract terms in your Agreement 
or membership agreements that contradict the above with re -
gard to this Account are hereby deleted.a Zero Liability Notice given to us more than 60 days after 
a Fraudulent Activity Statement is made available to you is  
�presumed not to be given within a reasonable time.
(c) Timing of Provisional Credit . We will give you provisional 
credit for any Fraudulent Transactions with respect to which  
you have given us a prompt Zero Liability Notice. We will  
generally make provisional credit available to you within  
5 business days (or such earlier time as may be required by 
applicable law) after you give us a prompt Zero Liability 
Notice.
(d) Our Provisional Credit Actions . We may withhold, delay,  
limit, or rescind provisional credit if we conclude, after  
verification and investigation of your claim, account  
standing, and history, that (i) Fraudulent Transactions  
occurred on account of your gross negligence or fraud, 
and/or (ii) you did not promptly report unauthorized use 
of your Card,Convenience Checks, or Account Number as 
required in section 16.18.Termination. Either you or we 
may terminate or suspend your credit privileges under this 
Agreement at any time, to the extent permitted by applicable  
law. To terminate your Account, or any Terminated User�s  
Card or Convenience Checks, you must notify us in writing.  
We will terminate your Account upon your death.  
Upon termination or suspension, you (or your estate) are still 
obligated to pay your Balance. If you or any Terminated User 
continue to use a Card, Account Number, or Convenience 
Checks after you receive notice of termination or suspension 
from us and we pay a fee to a Person to recover such Card or 
Convenience Checks, the amount of that fee may be charged 
to your Account as a Credit Purchase, even after your  
Account has been closed.
19. Other Loans You Have With Us; Right of Offse t. If you have 
other loans or credit extensions from us, or take out other loans  
or credit extensions from us in the future, collateral securing  
those loans or credit extensions may also secure your obligations  
under this Agreement. If you have executed a written  
agreement granting a security interest in any deposit accounts  
(checking, savings, or money market accounts) or other  
funds held by us to secure your obligations under this 
Agreement, or any other agreement with us, such accounts  
and/or funds are additional collateral for your obligations to us 
arising from use of your Card or Account.
20. Default . 
(a) You will be in (�Default�) on this Agreement if:
i) you do not pay at least the Minimum Payment on or  
before the Due Date;
ii)  you become subject to bankruptcy or insolvency  
proceedings;
iii) you or your property are subject to attachment or  
garnishment proceedings;
iv) you are in default on any other loans or credit extensions 
from us;
v) you provide us with any false information or signature; 
or
vi) you fail to comply with any provision of this Agreement.
(b) If you are (i) in Default under Section 20(a)(i) for more 
than 60 days, or (ii) in Default under any other provision of  
Section 20(a), upon notice and otherwise in accordance with  
applicable law, we may increase your APRs (including any 
introductory APR) for all Transactions up to the Penalty APR 
and the Penalty APR may be applied to your Account. If the 
Penalty Rate is applied to your Account due to a Default under  
Section 20(a)(i), your APRs may be reduced from the  
Penalty APR after six consecutive months of making  
payments on time beginning with the first payment following  between you and us concerning your Card or Account; (ii) the 
bankruptcy of any party; and (iii) any transfer, sale or assignment 
of your Card and Account, or any amounts you owe to us, to any 
other Person. 24.Forum. By activating or using your Card, you: 
(a) consent to the jurisdiction of any state or federal court located  
within Harrison County, Missouri (collectively, the �Chosen  
Forum�); (b) waive any objection to jurisdiction and venue of 
any action instituted against you as provided herein; (c) agree 
not to assert any defense based on lack of jurisdiction or venue; 
and (d) agree not to assert against us, or our agents or affiliates,  
if applicable, (except by way of a defense or counterclaim in a  
proceeding initiated by us) any claim or other assertion of liability  
relating to this Agreement, any Transactions, your Account, 
your Card or any of our actions or in actions in respect of any of 
the foregoing in any jurisdiction other than the Chosen Forum.  
Nothing in this Agreement shall affect our right to bring any  
action or proceeding relating to this Agreement, any  
Transactions, your Account or your Card against you or your 
properties in courts of other jurisdictions. 
25. Notices . Notices we give to you in writing shall be deemed to 
have been given on the day they are deposited in the United 
States mail, properly addressed, with postage prepaid, to the  
address we have for you in our records. Notices that you send us 
must be in writing to the address in section 16 unless otherwise 
specified by us and will be effective when we actually receive 
them.
26. Updating and Disclosing Financial Information . You agree to  
update the information contained in your application for an  
Account and any supplemental financial information you  
provided by writing to us at the address set forth in section 16.  
You agree that we may, from time to time, make inquiries  
pertaining to your credit standing and financial responsibility  
in accordance with applicable law. You also authorize us to  
obtain a credit report on you at any time in the future in  
connection with our review of your Account. We may report  
information about your Account to credit bureaus. Late  
payments, missed payments, or other defaults on your Account 
may be reflected in your credit report.
27. State-Specific Disclosures.
 California Residents : You: 1) may after credit approval, use 
the credit card account up to its credit limit; 2) may be liable 
for amounts extended under the plan to any joint application.  
As required by law, you are hereby notified that a negative credit  
report reflecting on your credit record may be submitted to a credit  
reporting agency if you fail to fulfill the terms of your credit  
obligations.
 Ohio Residents : Ohio anti-discrimination laws require creditors 
to make credit equally available to all creditworthy customers  
and that credit reporting agencies maintain separate credit  
histories on individuals upon request. The Ohio Civil Rights 
Commission administers these laws.
 New York and Vermont Residents : We may obtain at any time 
your credit reports for any legitimate purpose associated with the 
account or the application or request for an account, including 
but not limited to reviewing, modifying, renewing and collecting 
on your account. On your request you will be informed if such a  
report was ordered. If so, you will be given the name and address 
of the consumer reporting agency furnishing the report. New  
York residents may contact the New York State Banking  
Department (1-800-518-8866) for a comparative list of credit 
card rates, fees, and grace periods.
 Married Wisconsin Applicants : No provision of any marital  
property agreement, unilateral statement, or court order applying  
to martial property will adversely affect a creditor�s interests 
unless prior to the time credit granted, the creditor is furnished 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. 
What To Do If You Find A Mistake On Your Statement  
If you think there is an error on your statement, write to us at: 
  Bethpage Federal Credit Union 
  P.O. Box 9214 
  Old Bethpage, NY 11804 
In your letter, give us the following information: 
�  Account Information : Your name and account number.
�  Dollar Amount : The dollar amount of the suspected error. 
�  Description of Problem : If you think there is an error on your 
bill, describe what you believe is wrong and why you believe  
it is a mistake
You must contact us: 
� Within 60 days after the error appeared on your statement.
� At least 3 business days before an automated 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 . You may call 
us, but if you do we are not required to investigate any potential 
errors and you may have to pay us 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 payment is due. We may then report you 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 to whom we reported you as delinquent, and we 
must let those organizations know when the matter has been set -
tled between us. If we do not follow the rules above, you do not 
have to pay the first $50.00 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. 
Page | 8 Page | 7 Page | 67.00� 7.00� 7.00� 7.00�3.50� 3.50� 3.50� v) it is written in a currency other than U.S. Dollars;
vi) if payment of the Convenience Check would exceed 
any limit imposed by us for security reasons pursuant to  
section 3(b); or
vii) you have reported that Convenience Check as lost or  
 stolen by following the instructions in section 2(d).
(b) At our election, we may pay or return postdated Convenience 
Checks without in either case waiting until the date shown on 
the Convenience Check.
(c) You agree that we need not return cancelled Convenience 
Checks to you and that if you need evidence of payment  
represented by a Convenience Check a photocopy or similar  
reproduction will be satisfactory for such purposes.
(d) Subject to this section 2, you have the right to stop payment on  
any Convenience Check that has not been paid or certified by  
us. Oral stop payment orders are valid for fourteen (14)  
calendar days, unless confirmed in writing within that period.  
A written stop payment order is valid for six (6) months unless 
you renew it in writing not less than two (2) weeks prior to  
the end of that period. If you want to stop payment of a  
Convenience Check, you must contact us at the telephone  
number or address listed in section 16. You must provide us  
with the check number, date transacted, dollar amount, 
the name of the payee and your full Account Number  
exactly as they appear on the Convenience Check on 
which you wish to stop payment. We shall not be liable  
under any circumstances for failure to effectuate a stop  
payment order if: (a) we have not received all necessary  
information within a sufficient time (at least twenty-four  
(24) hours) to afford us a reasonable opportunity to act on the  
order; (b) the Convenience Check has been lost, stolen or  
destroyed and ninety (90) calendar days have not elapsed  
since its issuance date; or (c) the Convenience Check is post  
dated. We shall not be liable for paying a Convenience Check 
over a valid and timely stop payment order unless you are  
able to demonstrate that you would not have otherwise been  
obligated to pay the Convenience Check or did not otherwise  
suffer damages. In that regard, you acknowledge that a stop  
payment order does not impact your obligation on a  
Convenience Check that has been negotiated to a holder 
in due course. If we recredit your Account after paying a  
Convenience Check over a valid and timely stop payment  
order, amendment or cancellation, you agree to transfer to us  
all of your rights against the payee or other holder of the  
Convenience Check and to assist us in any subsequent legal  
action taken by us against that Person. If payment of a  
Convenience Check has been approved, refused, or stopped, 
you agree to hold us harmless and indemnify us for any  
losses, expenses and costs, including attorneys� fees, incurred 
by you or us for allowing or preventing payment of such  
Convenience Check.
3. Honoring of Card .
(a) You agree that we are not responsible for, nor will we incur 
any liability to you if:
i)  any Person refuses to honor your Card, Account Number, 
or Convenience Check;
ii)  an ATM or other device does not accept your Card or  
Account Number; or
iii) we are unable to authorize or process a Transaction on  
account of a Force Majeure Event. �Force Majeure Event�  
means any cause beyond our absolute control, including  
without limitation, acts of God, acts of war, riot,  
earthquake, fire, explosion, natural disaster, flooding,  
embargo, sabotage, and any government law, ordinance, 
rule, regulation, order or action.Rate to the �Cash Advance and Balance Transfers  
Average Daily Balance� of your Account. To calculate  
your Cash Advance and Balance Transfers Average  
Daily Balance, we (i) take the beginning Balance  
of your Cash Advances and Balance Transfers on  
each day in the Billing Cycle (including the Closing  
Date), add new Cash Advances and Balance Transfers,  
and subtract payments (which shall not include any related 
Fees or unpaid interest charges), received during the billing  
cycle (the �Cash Advance and Balance Transfers Daily  
Balance�), and (ii) divide the total of the Cash Advance  
and Balance Transfers Daily Balances in the Billing Cycle 
by the number of days in the Billing Cycle.
(b) Interest Charge Calculation Method for Credit Purchases  
(average daily balance including current Transactions) . If 
you pay the New Balance shown on a Periodic Statement  
in full by the Due Date, you will avoid incurring interest 
charges on the Credit Purchases reflected on your Periodic  
Statement, and on any new Credit Purchases that appear  
on your next Periodic Statement. Your Due Date is at 
least 25 days after the close of each Billing Cycle. We 
will not charge you any interest on Credit Purchases  
if you pay your entire balance by the Due Date each 
month. The interest charges for Credit Purchases in a 
Billing Cycle are computed by applying the monthly  
Periodic Rate to your �Purchases Average Daily Balance.�  
To calculate your Purchases Average Daily Balance, we 
(i) take the beginning Balance of your Credit Purchases  
on each day in the Billing Cycle (including the Closing  
Date) (which shall not include any related Fees or unpaid  
interest charges), add new Credit Purchases, and subtract  
payments received during the billing cycle that exceed the 
total payments that will be applied, pursuant to section 
14(c), to Cash Advances and Balance Transfers during the 
billing cycle plus new Cash Advances, Balance Transfers, 
and Credit Refunds (the �Purchases Daily Balance�), and 
(ii) divide the total of the Purchases Daily Balances in the 
Billing Cycle by the number of days in the Billing Cycle. 
(c) Accrual of Interest Charges . If (i) you obtain a Cash Advance 
or make a Balance Transfer, or (ii) the payments and Credit  
Refunds posted to your Account during the 25 day period  
after the Closing Date of your prior Periodic Statement  
are less than the New Balance, then the next Periodic 
Statement will include interest charges. Interest charges, 
at the annual percentage rate (�APR�) calculated in the 
manner set forth in sections 8 through 10, begin to accrue  
on the date specified in section 7(a) for Cash Advances  
and Balance Transfers, and on the posting date for Credit  
Purchases. Interest charges will continue to accrue  
on the amount of your Payment until the date we post 
a payment to your Account (subject to your ability  
to avoid certain interest charges by paying the New Balance 
in full as described in section 7(b)).
8.  Periodic Rate . The �Periodic Rate� is the APR divided by 12. 
Subject to Section 20(b). Your APR will be the Index Rate (as  
defined in section 9) plus a Margin (as defined in section 10) and 
your periodic rate will be such APR divided by 12. The APR  
may change (increase or decrease on the first day of your Billing  
Cycle that follows each Index Rate Adjustment (as defined in  
section 9) based on movements in the Index Rate. An increase 
in the APR means that you will be required to pay a higher  
percentage interest rate on your Average Daily Balance. In  
addition, an increase in the APR may increase your Minimum 
Payment. 
9.  Index Rate . The �Index Rate� is the highest Prime Rate pub -
lished in the �Money Rates� column of The Wall Street Journal (b) We may limit the type, number or aggregate dollar amount of 
Transactions you are permitted to initiate in a day, week, or  
Billing Cycle (as defined in section 5) for security reasons.  
If we impose such limits, you agree that we will not be liable 
to you if we do not authorize or process Transactions in excess 
of those limits.
(c) If you are in Default (as defined in section 20), we may  
decline to authorize Transactions until such Default is cured.
(d) You understand and agree that:
i) if you wish to authorize a merchant to initiate recurring  
preauthorized Transactions, it is your responsibility to 
provide accurate information concerning your Account to 
the merchant;
ii) if you wish to terminate a preauthorized Transaction, it is 
your responsibility to (A) contact the merchant, and (B) 
check your Periodic Statements (as defined in section 5)  
to confirm that the preauthorized Transaction was  
terminated;
iii) we will not be responsible to you for merchandise or  
services you purchase with your Card, Account Number,  
or a Convenience Check unless explicitly required by  
applicable law; and
iv) any refund, adjustment or credit allowed by a merchant 
(a �Refund�) shall not be by cash but rather by a credit  
advice to us which shall be shown as a credit on a Periodic 
Statement.
4.  Promise to Pay . You promise to pay for all Transactions, all 
Fees (as defined in section 11), interest charges (calculated  
using the methods described in section 7), and any other  
amounts that you are required to pay under this Agreement as  
and when they are due. When you use your Card, Account  
Number, or Convenience Checks, and whenever you authorize  
any Person to use them for any purpose, you represent to us that  
you have the intention and ability to pay for all Transactions  
initiated by you or that Person.
5. Periodic Billing Statements .
(a) Approximately once each month (�Billing Cycle�), we will 
make available to you a statement (�Periodic Statement�) on 
the last day of each Billing Cycle (�Closing Date�) during 
which: 
i) you have an outstanding debit or credit Balance, 
ii) you initiate debit or credit Transactions, 
iii) you make a payment that brings your Balance to zero 
($0.00), or 
iv) we have imposed an interest charge.
�Balance� means your New Balance (as defined in section 5(b))  
together with all Fees and interest charges that accrue thereon until  
the date on which our records reflect that you owe no amounts to 
us (no debit balance) and we owe no amounts to you (no credit  
balance). 
(b) Each Periodic Statement will tell you, in addition to certain  
other information, (i) the Balance of your Account as of 
the Closing Date of the prior Billing Cycle (your �Previous  
Balance�), (ii) the amount of all Cash Advances (including  
Convenience Checks), Credit Purchases, Balance Transfers, 
Credit Refunds, Fees, payments, and interest charges posted 
to your Account during the current Billing Cycle, and (iii) the 
Balance of your Account as of the Closing Date of the current 
Billing Cycle (your �New Balance�). 
(c) You promise to inform us promptly, in writing, if you change 
your address. If you do not promptly notify us of your address 
change, any notices and statements we send to your old address  
before we have had a reasonable time to process your address 
change notice will still be valid, even if you do not receive 
them. (�WSJ�)(the �Prime Rate�) in the month preceding the billing cy -
cle. (such date is an �Index Rate Adjustment Date�). The new Index 
Rate will take effect on the first day of your next Billing Cycle that  
follows an Index Rate Adjustment Date. If the APR increases,  
your Minimum Payment amount may increase and if you only 
pay the Minimum Payment, it will take you longer to pay what 
you owe in full. We use the Prime Rate solely as a pricing  
index and do not represent it to be the lowest or best interest rate  
available to any of our borrowers at any given time. If WSJ  
ceases to publish a Prime Rate, we may substitute another rate 
published in another publication or another index which we do 
not control as the Index Rate.
10. Margin . We will add a �Margin� to the Index Rate to calculate 
the APR. The Margin for each Transaction type is shown on the  
Consumer MasterCard Credit Card Disclosure attached to this 
Agreement and incorporated by reference (the �Disclosure�).
11. Fees. We may assess the following fees in connection with your 
Account, in the amounts set forth on the Disclosure (collectively, 
�Fees�):
(a) Annual Fee : An Annual Fee for accessing your Account  
maybe imposed if an Annual Fee is included on the  
Disclosure. If so, it will be imposed no more often than one 
time each calendar year.
(b) Balance Transfer Fee : A Balance Transfer may be imposed 
if a Balance Transfer Fee is included on the Disclosure. A  
Balance Transfer Fee will be imposed at the time of each  
Balance Transfer.
(c) Cash Advance Fee : A Cash Advance Fee will be charged at 
the time you obtain a Cash Advance.
(d) Foreign Transaction Fee : A Foreign Transaction Fee will 
be imposed if a Foreign Transaction Fee is included on the  
Disclosure for each Transaction made in a foreign currency  
and any transaction made in U.S. dollars that is processed  
outside of the United States is calculated in U.S. dollars.
(e) Late Payment Fee : The Late Payment Fee based on your  
balance as of the day the Late Payment Fee is assessed will 
be imposed if you do not make a payment before the 10th 
day after your Due Date.
(f) Over-the-Credit Limit Fee : If any Transaction on your  
Account exceeds your Credit Limit and you have �opted 
in� to Over-the-Credit Limit Transactions by the method 
set forth in section 6(c), we may charge an Over-the-Credit  
Limit Fee if the fee is included on the Disclosure.
(g) Returned Payment Fee : If any payment you send us on your 
account is returned unpaid, for any reason, we may charge a 
Return Payment Fee.
(h) Copying Charges : If you request a copy of a Transaction  
receipt, Convenience Check or Periodic Statement, unless it 
is in connection with a billing error resolution process, we 
may impose a fee for each copy.
12. Currency Conversion and International Transactions .  
Purchases and Cash Advances made in a foreign currency 
or made outside the United States will be debited from your  
account in U.S. dollars. The exchange rate between the  
transaction currency and the billing currency used for processing  
international transactions is a rate selected by MasterCard 
from a range of rates available in wholesale currency markets 
for the applicable central processing date, which rate may  
vary from the rate MasterCard itself receives or the  
government-mandated rate in effect for the applicable central  
processing date. The exchange rate used on the processing 
date may differ from the rate that would have been used on the  
purchase date or cardholder statement posting date. A fee of  
3.00% of the amount of the transaction, calculated in U.S.  
dollars, will be imposed on any and all Transactions, including  (d) It is your responsibility to be sure that you have received a  
Periodic Statement each month (you may not receive a  
Periodic Statement if none of the circumstances described in 
section 5(a) occur). If you owe a debit Balance, you must pay 
your Minimum Payment even if you do not receive a Periodic  
Statement, unless we are prohibited from enforcing this  
provision by applicable law.
(e) We may provide annual statements (for review purposes 
only, not a Periodic Statement) to you which will identify  
Transactions according to merchant categories to help you 
with tax preparation and year end accounting.
6.  Minimum Payments . You must pay the minimum payment  
amount specified on your Periodic Statement (the �Minimum  
Payment�) by the Due Date. Payments are applied in the manner 
stated in section 14. You must pay the Minimum Payment by the  
Due Date to avoid being in Default. Each Periodic Statement 
will indicate the Minimum Payment and Due Date based on the  
following:
(a) The initial Minimum Payment is due 25 days after the first 
Closing Date following the activation of the Card (�Initial Due 
Date�). Following the Initial Due Date, the Minimum Payment  
is due each month on the same day of the month as the  
Initial Due Date even if the Due Date falls on a weekend or a 
holiday (together with the Initial Due Date, the �Due Date�).
(b) The Minimum Payment required is the New Balance if the 
New Balance is equal to or less than $15.00.
(c) If the New Balance exceeds $15.00, the Minimum Payment 
is 1.00% of that portion of the New Balance which does not  
exceed your Credit Limit (rounded up to the nearest dollar), 
plus unpaid interest charges, plus, the entire portion of any  
Over-the-Credit Limit Amount, plus any amount past 
due.�Over-the-Credit Limit Amount� means the amount by 
which your New Balance exceeds your Credit Limit at any 
time.�Over-the-Credit Limit Transactions� are any Transaction 
that would cause you to exceed your Credit Limit at anytime. 
You may �opt in� to Over-the-Credit Limit Transactions in  
writing by executing and delivering to us at the address in  
section 16, the Consent Form for Over-the-Credit Limit  
Transactions provided to you with your application, or by 
contacting us at the address or phone number in section 16 to 
receive further instructions as to how you may �opt in.�
(d) If the amount you pay is less than the amount necessary to 
pay the full Balance but more than the Minimum Payment  
(an �Excess Payment�), the Excess Payment will be applied to 
your Balance in the manner set forth in section 14(c). Making  
an Excess Payment will not result in a waiver of a Minimum  
Payment for any subsequent Billing Cycle.
(e) You may at any time pay all or any part of your Balance without  
penalty.
7.  Interest Charges . We will impose interest charges on your  
Account by applying the Periodic Rate (as defined in section 8) 
to 115122 your Average Daily Balance (as defined in this section  
under (a) for Cash Advances and Balance Transfers and under  
(b) for Credit Purchases). For each Billing Cycle that your  
Account is subject to an interest charge, a minimum total interest  
charge of $2.00 will be imposed. 
(a) Interest Charge Calculation Method for Cash Advances and 
Balance Transfers (average daily balance including current 
Transactions ). Interest charges on Cash Advances (including  
Convenience Checks) and Balance Transfers begin to  
accrue on the Transaction Date, or the first day of the next  
Billing Cycle in which the Cash Advance or Balance  
Transfer is posted to your Account, whichever date is later.  
The Cash Advance and Balance Transfer interest charges  
for a Billing Cycle are computed by applying the Periodic  Credit Purchases, Cash Advances and credits to your account,  
that are made in a foreign currency or that you complete or a  
merchant completes on your card outside of the United States, 
with the exception of U.S. military bases, U.S. territories,  
U.S. embassies, or U.S. consulates. 
13. Credit Limit . You agree not to use your Card, Account Number, 
or Convenience Checks to attempt to obtain credit in excess of 
your Credit Limit. If we change your Credit Limit, we will notify  
you in accordance with applicable law and, if permitted to do 
so,we may notify you of Credit Limit changes on your Periodic 
Statement. Unless you have �opted in� to Over-the-Credit Limit 
Transactions by the method set forth in section 6(c), we will not 
authorize Transactions that will create an Over-the-Credit Limit  
Amount, except in our sole discretion. If you do engage in an 
Over-the-Credit Limit Transaction, you agree to pay us the  
Over-the-Credit Limit Amount, plus applicable interest charges 
immediately upon receipt of notice from us, and if you have  
�opted in� to Over-the-Credit Limit Transactions, you also agree 
to pay the Over-the-Credit Limit Fee. You will only pay one  
Over-the-Credit Limit Fee per Billing Cycle, even if you go over 
your Credit Limit multiple times in the same Billing Cycle. Even 
if you have�opted in� to Over-the-Credit Limit Transactions, we 
are not required to authorize Transactions that will create an  
Over-the-Credit Limit Amount. If we do extend credit in excess 
of your Credit Limit, we are not obligated to do so in the future. 
We can increase or decrease your Credit Limit at any time.
14. Payments .
(a) Payment Obligations . All payments made on your Account 
must be made in U.S. Dollars and according to one of the  
methods set forth in this section 14(a)(i)-(iv). Any check or 
money order used to make a payment on your Account must 
be drawn on a financial institution located in the United 
States or its territories. You may not use proceeds of other  
loans with us or Cash Advances (including Convenience 
Checks) to make payments to your Account. You may make 
payments to your Account by any of the following methods:
i) You may automatically make recurring payments via  
Automated Clearing House (�ACH�) direct debit  
transactions by authorizing us to automatically debit your 
deposit account by executing and delivering to us the  
written Direct Debit Authorization included with your 
Account application or which you may obtain from us by  
contacting us at the number in section 16.
ii) Payments may be made by delivering your payments to 
our office location(s) during regular business hours if  
accompanied by your Account Number or payment stub.
iii) Payments may be made by telephone if accompanied 
by your Account Number and you call the following  
number: 
 (866)820-3847 
iv) Payments may be made by mail if all of the following  
requirements are met:
(1) Accompanied by your Account Number or payment 
stub;
(2) Paid by check or money order (do not send cash by 
mail); and
(3) Sent to the following address: Bethpage Federal  
Credit Union P.O. Box 660881 Dallas, TX  
75266-0881
 v) Payments may be made electronically via ACH or  
 another payment method if accompanied by your  
 Account Number, your name and the payment amount.
We may accept payments that are late, are partial payments, are  
made with other negotiable instruments, or are marked with  
restrictive endorsements such as �payment in full� without losing  any of our rights under this Agreement. If we accept a payment that  
does not conform to the requirements set forth in this section 14(a),  
interest charges may accrue for the period between the day we  
receive your payment and the day we credit the payment to your  
Account. If we accept a payment for an amount in excess of your  
New Balance, your Credit Limit will not be increased by the 
amount of such overpayment, nor shall we be required to authorize  
Transactions for an amount in excess of your Credit Limit. 
(b) Crediting of Payments . Unless otherwise specified in this 
section 14(b) and except as limited by applicable law,  
payments that conform to the requirements set forth in  
section 14(a)(i)-(v) above will be credited to your Account  
as of the date we receive them if we receive them by 5:00 
p.m. eastern time and, if the payment is received by us after  
5:00 p.m. eastern time, on the next business day, except  
when a delay in crediting your Account does not result  
in an interest or other charge. If the Due Date falls 
on a weekend or holiday, we will treat any payment  
received by us at the post office box address shown  
on your Periodic Statement by 5:00 p.m. eastern time on  
the next business day as being received by us on the Due 
Date. Payments mailed in accordance with the billing  
instructions included on your Periodic Statement will 
be credited as set forth in this section 14(b), but may not 
be posted to your Account for up to five (5) days after  
we receive them. Any interest or other charges imposed 
because of the delay between the date we receive your 
payment and the date your payment is posted will be 
credited to you on the next Billing Cycle. If we accept a 
payment that does not conform to the requirements set 
forth in section 14(a)(i)-(iv) above, such nonconforming  
payment shall be credited to your Account within five 
(5) days of the date we receive it. If we do not receive  
or accept payments on the Due Date (because, for example,  
the U.S. postal service does not deliver mail on that date 
and you are making a payment by mail), then we will 
deem payments that we receive on the next business day as 
timely. We will not impose a separate fee for you to make 
payments unless the applicable payment method involves  
an expedited (i.e. same day or next day) service by our  
representative.
(c) Payment Application . We will apply Minimum Payments 
in the following order: interest charges on Cash Advances,  
interest charges on Balance Transfers, interest charges on 
Credit Purchases, Fees, previous cycle Cash Advances,  
previous cycle Balance Transfers, previous cycle Credit  
Purchases, current cycle Cash Advances, current cycle  
Balance Transfers, and current cycle Credit Purchases. To the  
extent required by applicable law, each time you make an  
Excess Payment, we will apply the Excess Payment  
amount to that component of your Balance on which the  
highest APR is assessed until it is paid in full. Thereafter,  
we will apply Excess Payments to the remainder of your  
Balance in successive order of declining interest rate until 
it is paid in full. Return credits are applied first to previous,  
then to current, cycle Credit Purchases with any remainder  
applied as a payment. We may accept payments that do not  
conform to the requirements as set out in your Periodic  
Statement, and shall post such payments within five (5) days  
after we receive them. Payments and return credits posted  
after the Due Date, or that total less than the New Balance, 
will reduce the Balance (and the Average Daily Balance) as 
of the date posted, but will not avoid an interest charge. 
d) We may accept and process payments without losing any of 
our rights. We may delay the availability of credit until we 
confirm that your payment has cleared. This may happen  even if we credit your payment to your Account. We may 
resubmit and collect returned payments electronically. If 
necessary, we may adjust your Account to correct errors, 
process returned and reversed payments, and handle similar 
issues.
15. Others Using Your Account . If you allow a Person (including 
but not limited to an Authorized User) to use your Card, Account 
Number, or Convenience Checks, you understand and agree that 
you are obligated to pay for all Transactions initiated by such  
Person as well as all Fees associated with those Transactions,  
whether or not you notify us that they are authorized to use your  
Card, Account Number, or Convenience Checks. You may  
terminate a Person�s right to use your Card, Account Number,  
or Convenience Checks by taking the following actions:
(a) Recover possession of the Card and any Convenience 
Checks in such Person�s possession; and
(b)  Notify us in writing that such Person�s authority to use  
the Card, Account Number, and Convenience Checks is  
terminated, at which time such Person will be a �Terminated 
User�.
16. Unauthorized Use .
(a) If your Card is lost or stolen, or if you think that someone is 
using your Card, Account Number, or Convenience Checks 
without your permission, notify us immediately, orally or in 
writing at: Bethpage Federal Credit Union P.O. Box 9214 
Old Bethpage, NY 11804 (866)820-3847
(b) You may be liable for the unauthorized use of your Card,  
Account Number, or Convenience Checks that occurs prior 
to you notifying us of such use. Your liability shall not exceed  
$50.00 or the amount of money, property, labor or services  
obtained by the unauthorized use before you notify us,  
whichever is less. You will not be liable for unauthorized 
use that occurs after you notify us, either by telephone or in  
writing, of the loss, theft, or possible unauthorized use of 
your Card, Account Number, or Convenience Checks and 
we have had a reasonable opportunity to act on such notice. 
In no event shall we be obligated to reissue a lost or stolen 
Card.
(c) You agree that we and our agents or service providers may  
monitor and/or record all telephone communications  
between you and us.
17. MasterCard Zero Liability . Subject to certain limitations set  
forth in this section, MasterCard offers you protection for  
Fraudulent Transactions initiated on your Account (the  
�MasterCard Zero Liability Policy�). Your rights under the  
MasterCard Zero Liability Policy are in addition to any rights 
you have under applicable law, as stated in the billing rights 
statement set forth at the end of this Agreement.
(a) Limitations of MasterCard Zero Liability Policy . The  
MasterCard Zero Liability Policy offers protection for  
Fraudulent Transactions, but does not offer protection 
for Unprotected Transactions. �Fraudulent Transactions�  
means Transactions initiated by a Person who obtains  
your Account Number or Card without your knowledge  
or consent. �Unprotected Transactions� means Transactions 
(i) initiated at ATMs, (ii) PIN Transactions not processed  
by MasterCard, and (iii) Transactions by Authorized Users 
that exceed the authority you give them.
(b) Notification . You must give us notice (a �Zero Liability  
Notice�) if Fraudulent Transactions appear on a Periodic  
Statement (a �Fraudulent Activity Statement�) promptly after 
the Fraudulent Activity Statement is first made available to 
you. A Zero Liability Notice is promptly given if you provide  
it within a reasonable time after a Fraudulent Activity  
Statement is made available to you. You and we agree that 
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