Standard & Platinum Credit Card 
Agreement & Disclosure

PO Box 727 • Goshen, IN 46527

KEEP THIS FOR FUTURE USE
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION REGARDING YOUR RIGHTS TO DISPUTE BILLING ERRORS.

In this Agreement the words “you” and “your” mean each and all those who apply for the Card; “Card” means the MasterCard 
Standard and Platinum credit card and any duplicates, renewals or substitutions the Credit Union issues to you; “Account” means 
your MasterCard credit account with the Credit Union, and “Credit Union” means the Credit Union whose name appears on this 
Agreement or anyone to whom the Credit Union transfers this Agreement. “We,” “Us,” and “Ours” means this Credit Union. By 
applying for or using your credit card, you have agreed to the following provisions, as amended from time to time.

1. Responsibility. If we issue you a Card, you agree to repay 
all debts and the FINANCE CHARGE arising from the use 
of the Card and the Card account. For example, you are 
responsible for charges made by yourself, your spouse and 
minor children. You are also responsible for charges made by 
anyone else to whom you give the Card, and this responsibility 
continues until the Card is recovered. You cannot disclaim 
responsibility by notifying us, but we will close the account for 
new transactions if you so request and return all Cards. Your 
obligation to pay the account balance continues even though 
an agreement, divorce decree or other court judgment 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 Card is 
jointly and severally liable with you for the charges he or she 
makes, but if that person signs the Card he or she becomes 
a party to this Agreement and is also jointly responsible for 
all charges on the account, including yours. The Credit Union 
reserves the right to change the periodic rate(s) or otherwise 
amend this Agreement in accordance with fee schedules 
adopted by the Credit Union from time to time.
2. Lost Card Notification. If you believe the Card has been 
lost or stolen, you must immediately call the Credit Card Center 
at 800-449-7728.
3. Authorized Users. Authorized users have no financial 
responsibility for this account. You are responsible for all 
charges made by any appointed authorized user(s). Authorized 
user(s) will have access to account information, however they 
will not have the same rights or privileges as you. Authorized 
users may not: (a) add, edit, or remove account signers; (b) 
make amendments or changes to the credit card account, 
including, but not limited to, closing the account or making 
changes to credit limits; (c) request new or replacement 
cards, PINs, or statements; or (d) request balance transfers. 
Authorized user(s) agree that we may report this account to the 
credit bureaus on their behalf.
4. Your Responsibility and Liability for Unauthorized Use. 
You will have no liability for unauthorized purchases made with 
your Credit Card. You may be liable for unauthorized use for 
cash advances at ATMs (Automatic Teller Machines) where 
as your liability shall not exceed the lessor of $50.00 or the 
amount of the unauthorized use. If your Card is lost, stolen or 
if you are afraid someone used or may use your Card without 
your permission, you must notify the Credit Card Center at 
800-449-7728. If notice is given orally, you may be asked to 
promptly confirm it in writing. The Credit Union may require you 
to provide us certain information in writing to help us investigate 
any unauthorized uses. Further, you agree to cooperate and 
assist us or any government or law enforcement agent or 
agency in investigating, collecting or pursuing any other rights 
(civil and criminal) relating to any unauthorized use. 
5. Credit Line. If we approve your application, we will establish 
a self replenishing Line of Credit for you and notify you of 
its amount when we issue the Card. You agree not to let the 
account balance exceed this approved Credit Line. If such 
credit limit is exceeded, the entire balance of your account 
or the amount over the credit limit may, at the Credit Union’s 
option, become immediately due and payable on demand. 
Each payment you make on the account will restore your 
Credit Line by the amount of the payment which is applied to 
the principal. You may request an increase in your Credit Line 
only by written application to us, which must be approved by 

our loan committee or loan officer. We may reduce your Credit 
Line from time to time, or with good cause, revoke your card 
and terminate this Agreement. Good cause includes, but is not 
limited to, your failure to comply with this Agreement, or our 
adverse reevaluation of your creditworthiness. You may also 
terminate this Agreement at any time by providing us written 
notice, but termination by either of us does not affect your 
obligation to pay the account balance. The Card remains our 
property and you must recover and surrender to us all Cards 
upon our request and upon termination of this Agreement.
6. Credit Information. You authorize us to investigate your 
credit standing when opening, renewing or reviewing your 
account, and you authorize us to disclose information regarding 
your account to credit bureaus and other creditors who inquire 
of us about your credit standing.
7. Monthly Payment. We will mail you a statement or provide 
one to you electronically via e-mail in any month in which the 
Card has a debit or credit balance in excess of $1.00. Every 
month you must pay at least the Minimum Payment within 
25 days of your statement closing date. You may, of course, 
pay more frequently, pay more than the Minimum Payment, 
or pay the Total New Balance in full, and you will reduce the 
FINANCE CHARGE by doing so. The Minimum Payment 
will be either (a) 2% of your Total New Balance, or $25.00, 
whichever is greater, or (b) your Total New Balance if it is less 
than $25.00 plus (c) any portion of the Minimum Payment(s) 
shown on prior statement(s) which remains unpaid. In addition, 
at any time your Total New Balance exceeds your Credit Line, 
you must immediately pay the excess upon demand. We will 
apply your minimum payments first to any fees; then to any 
credit insurance charges; then to any FINANCE CHARGES; 
then to previously billed cash advances; then to previously 
billed purchases; then to new cash advances; and then to 
new purchases. Payment amounts over or above the required 
minimum payment will be applied to the balances with the 
highest annual percentage rate.
8. Variable Annual Percentage Rate (APR). The variable 
APR may change when the Prime Rate changes. The APR 
for Purchases, Cash Advances and Balance Transfers for 
the MasterCard Standard card is 11.90%, 15.90% or 19.90% 
depending on your credit history. This APR will vary with the 
market based on the Prime Rate. The APR for Purchases, 
Cash Advances and Balance Transfers for the MasterCard 
Platinum card is 8.90%, 12.90% or 16.90% depending on your 
credit history. This APR will vary with the market based on the 
Prime Rate. The daily periodic rate is determined by taking the 
APR and dividing it by 365. The APR is determined based on 
the most recent credit information and subject to be reassessed 
every six (6) months.
9. Finance Charges. There is no FINANCE CHARGE on 
purchases if the New Balance is paid in full by the due date 
on the statement on which these purchases first appear. If 
not so paid, the New Balance of Purchases, and subsequent 
purchases from the date they are posted to your account, will 
be subject to FINANCE CHARGE. Cash advances are always 
subject to FINANCE CHARGE from the date they are posted 
to your account. The principal balances of purchases and 
cash advances are determined each day during the statement 
period, beginning with the principal portion of your Previous 
Balances, reduced by payments you make and credits we 
apply, and increased by purchases and cash advances you 

make and debit adjustments we make during the statement 
period. The daily principal balances are totaled, and divided 
by the number of days in the statement period, to produce 
separate average daily principal balances for purchases and 
cash advances to which the periodic rate is then applied.
10. Default. You will be in default if: (a) you fail to pay the 
Minimum Payment by the Payment Due Date; (b) the Credit 
Union, in its sole discretion, feels insecure (for example: 
Our good faith belief that your ability to pay your account is 
impaired; use of your account in any manner or in any way 
that may expose the Credit Union to a risk of loss; etc.); (c) 
your ability to repay is materially reduced by a change in your 
employment, by an increase in your obligations, by bankruptcy 
or insolvency proceedings involving you, by your death; (d) 
you exceed your credit limit without our permission; (e) you 
have made a false or misleading statement to us in your 
application or otherwise; (f) you are in default under any other 
Agreement with us; (g) if you use or authorize the use of any 
Cards to make or facilitate any illegal transaction; or (h) you 
fail to perform any of your other obligations under the terms 
of this agreement as it may be amended from time to time. In 
the event of your default, your account balance and interest 
accrued shall be immediately due and payable without notice 
or demand. We shall be entitled to pursue all remedies under 
Indiana law and you agree that the venue of any lawsuit arising 
out of this Agreement shall be any of the Superior Courts of 
Elkhart County, Indiana. In the event of your default, you shall 
also be liable for our costs of collection and attorney fees. In 
the event of your default, we shall be entitled to the immediate 
possession of the Card without notice or demand. You agree 
that the law of the state of Indiana shall apply to this Agreement 
and any legal proceedings brought to enforce any term or 
provision of this Agreement.
11. Using the Card. To make a purchase or cash advance, 
there are two alternative procedures to be followed. One is 
for you to present the Card to a participating MasterCard 
plan merchant, to us or another financial institution, and, if 
required, sign a sale or cash advance draft; or you may also 
make purchases or cash advances by telephone, mail, or other 
electronic devices. You authorize us to honor any purchase or 
cash advance you make by telephone, mail, or other electronic 
devices on this account. You agree that a signature is not 
necessary as identification in such cases. The other is to 
complete the transaction by using your personal identification 
number (PIN) in conjunction with the Card in an automated 
teller machine or other type of electronic terminal that provides 
access to the MasterCard system. The personal identification 
number must be protected by you and will not be carried with 
your MasterCard card at any time. The monthly 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 statement. You 
will retain the copy of such slips furnished at the time of the 
transaction in order to verify the monthly statement. The Credit 
Union may make a reasonable charge for photocopies of slips 
you request.
12. Others Using Your Account. If you allow anyone else 
to use your account, you will be liable for all credit extended 
to such persons. You promise to pay for all purchases and 
advances made by anyone you authorize to use your account, 
whether or not you notify us that he or she will be using it. If 
someone else is authorized to use your account and you want 
to end that person’s privilege, you must notify us in writing, and 
if he or she has a Card, you must return that Card with your 
written notice for it to be effective.
13. Returns Adjustments. Merchants and others who honor 
the Card may give credit for returns or adjustments, and they 
will do so by sending us a credit slip which we will post to your 
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 6 months.
14. Illegal Transactions. You agree that your Card and 
account will not be used to make or facilitate any illegal 
transactions as determined by applicable law; and that 

any such use will constitute an event of default under this 
Agreement. We may decline any transaction that we believe 
to be illegal under applicable law, including but not limited to 
any transaction involving or relating any gambling activity. 
You agree that we will have no liability or responsibility for any 
such use by you or any authorized user(s); or for declining any 
such transaction. You further agree to indemnify and hold us 
harmless from any suits, liability, damages or adverse action of 
any kind that results directly or indirectly from such illegal use. 
You promise to pay us any and all amounts owing on your Card 
for any transactions made by you, even if the transaction is 
determined to be illegal.
15. Foreign Transactions. CURRENCY CONVERSION FEE: 
If you effect or authorize a transaction with your access device 
in a currency other than US Dollars, MasterCard will convert 
the charge into a US Dollar amount. The MasterCard currency 
conversion procedure includes use of either a government-
mandated exchange rate, or a wholesale exchange rate 
selected by MasterCard, as applicable. The exchange rate 
MasterCard uses will be a rate in effect on the day the 
transaction is processed. This rate may differ from the rate in 
effect on the date of the purchase or the date the transaction 
was posted to your account. A Currency Conversion Fee of 
up to 1% will be applied to transactions that are converted 
from foreign currencies to U.S. dollars. CROSS-BORDER 
TRANSACTION FEE: In addition, MasterCard charges us a 
Cross-Border Assessment up to 1% on each transaction on 
all cross-border transactions regardless of whether there is 
a currency conversion. For purposes of this Section, “cross-
border transaction” shall include both (a) transactions initiated 
in a foreign country which are subsequently settled in the 
United States, and (b) transactions initiated in the United 
States but which are ultimately settled in a country outside of 
the United States. The Credit Union will assess these fees to 
you to reimburse it for the fee it is required to pay for each of 
your transactions subject to these terms. The Cross-Border 
Transaction Fee will be shown separately on your periodic 
billing statement. The Currency Conversion Fee, if it applies 
to the transaction, will be included in the transaction amount 
posted on your statement.
16. Credit Union’s Liability. We are not responsible for the 
refusal of any plan merchant or financial institution to honor your 
Card, you agree to settle all disputes arising from purchases 
directly with the merchant who honored the Card, and except 
as provided by the Fair Credit Billing Act to pay the Credit Union 
all amounts shown on the statement in spite of such disputes. 
If our system is not working, we may not be able to authorize 
a transaction, even though you have sufficient credit available. 
Also, for security reasons, we may block the use of your card in 
certain countries or geographic areas. We will have no liability 
to you or others if any of these events occur.
17. Security Interest. You hereby grant to us a security 
interest in the goods purchased by the card which shall serve 
as collateral security for the performance by you of your 
obligations under this Agreement, including your obligation to 
make any Minimum Payment by the due date. In the event of 
your default as described in paragraph #10 above, we shall be 
entitled to all the remedies of a secured party under Indiana 
law, including the right to take possession of the collateral 
security. You agree that we are authorized to file whatever 
documents are necessary to perfect our security interest, 
including without limitation, financial statements.
18. Effect of Agreement. This Agreement is the contract which 
applies to all transactions on your account even though the 
sales, cash advance, credit or other slips you sign or receive 
may contain different terms. We may amend this Agreement 
from time to time by sending you the advance written notice 
required by law. If you do not want to accept the changes or 
amendments, you can choose not to accept the changes in the 
notice by cancelling your credit card account. To cancel your 
credit card account you must do so by a written letter advising 
us that you do not want to accept the changes. Send the letter 
to: Interra Credit Union, P.O. Box 727, Goshen, IN 46527. If you 
choose not to accept any changes or amendments, you will still 
be responsible for any outstanding balances on your credit card 

account; Your credit card account will no longer be available for 
any use or activity; Any reward points you have earned will be 
forfeited.
19. Annual Fee. None.
20. Other Fees.

•  Late payment fee of $18.50 if the minimum payment due is 

not paid in full within 10 days after the due date.

•  Cash advance fee shall be a 2% charge of the amount 

advanced.

•  ATM withdrawals are subject to a 2% charge of the 

withdrawal amount.

•  Balance transfers will be imposed a 2% fee.
•  Card center phone payment fee $5.00.
•  Returned payment or Insufficient Funds fee - We will 

charge your account a $5.00 fee if your payment by any 
method, including check, electronic transfer, home banking 
transaction or otherwise, is not honored, collected by us, or 
if we must return it to you because it cannot be processed 
for any reason.

21. Moving. The Credit Union may revoke your card and 
terminate this Agreement if you relocate to another state. We 
can revoke your Card if you move to a state where the Credit 
Union must be registered.
22. Change of Address. You shall notify the Credit Union in 
writing if there is an address change. If we were not notified, 
you could be liable for any unauthorized use. You also 
understand that the Credit Union cannot be responsible for 
timelessness of any mail system.
23. Non-Use. The Credit Union may revoke your Card and 
terminate this Agreement if there has been no activity on the 
account for at least 12 consecutive months.
24. No Waiver. The Credit Union can delay enforcing any of its 
rights any number of times without losing them.
25. Using the Account. You understand that any of you 
individually may increase the credit line (provided you qualify 
and the Credit Union approves the increase), reduce the credit 
line, or terminate the Agreement as to future loans by notifying 
the Credit Union in writing. Increases in the credit line shall 
take effect upon approval by the Credit Union. Reductions in 
the credit line and terminations of the Agreement as to future 
loans shall take effect on the next business day after the written 
notice is delivered by any of you to the loan department at the 
Credit Union. Termination of the Agreement shall not affect the 
rights of the Credit Union or the obligations of the Member and 
any joint owners with respect to obligations in existence at the 
time of termination. Each of the undersigned applicants certifies 
under the pains and penalties of perjury that he/she is at least 
eighteen (18) years of age, has read the foregoing Agreement, 
and jointly and severally agrees to abide by the foregoing terms 
and provisions.
26. Delay in Enforcement/Waivers. The Credit Union 
may delay or waive enforcement of any of the provisions of 
this Agreement, including any Agreements to make timely 
payments, without losing its right to receive notice of any waiver 
or delay or presentment, demand, protest or dishonor. You 
also waive any applicable statute of limitations to the full extent 
permitted by law and any right you may otherwise have to 
require the Credit Union to proceed against any person before 
suing you to collect.
27. Governing Law/Severability. This Agreement shall be 
governed by and construed in accordance with the laws of 
Indiana. In the event any one or more of the provisions of this 
Agreement will for any reason is held to be invalid, illegal or 
unenforceable, the remaining provisions will remain valid and 
enforceable.
28. Electronic Communications. You agree that we have no 
obligation, liability or responsibility to respond, act upon, or follow 
any instruction to us that is received electronically, by e-mail or 
otherwise, unless we are able to authenticate the communication 
to our satisfaction. You further acknowledge and agree that the 
Internet is inherently insecure and agree that we have no liability 
for any loss, claim or damages that arises or in anyway relates to 
our response(s) to any e-mail or other electronic communication 
which we believe you have submitted to us.
29. Cash Advances. The Credit Union will charge a cash 

advance fee (no minimum or maximum) when you access the 
cash credit line on your credit card account through an ATM, 
convenience check or at a credit union’s teller window. The 
fee charged will be a percentage of the amount withdrawn or 
advances. Finance charges typically accrue from the date of 
the advance, without the grace period normally present with 
purchases.
30. Balance Consolidation. The credit union may charge 
a balance consolidation fee should you choose to transfer 
balances.
31. ATM Transactions. Withdrawals at ATM machines may 
be made using your Credit Card and personal identification 
number. Cash withdrawals may not exceed $300.00 per 
transaction and $500.00 per calendar day. Except as otherwise 
provided in this Agreement, advances through ATM access will 
be treated as a Cash Advance under this Agreement. Owners 
of ATMs that we do not own may charge fees in addition to any 
fees described in this Agreement. This is not a fee charged by 
your Credit Union; however, any such fee will be added to your 
card account. The party charging the fee is required to provide 
appropriate disclosures to you with regard to any such fees.
32. Rewards, Incentives, Promotions. The Credit Union 
reserves the right to terminate the programs or portions thereof 
at any time without restriction or penalty. This means that 
regardless of your level of activity in the program, the ability 
to accumulate points or claim rewards can be terminated with 
or without prior notice. The redemption value of points already 
accumulated, may be changed at any time without notice and 
without restriction or penalty. The Credit Union also reserves 
the right to cancel any cardholders prior earned points, 
rewards, cash/merchandise back or any other item of value if 
you are in default as stated in paragraph eight (8). Awards are 
not available when a cardholder is in default under the credit 
card agreement. Any points or awards are earned only with 
purchases, cash advance transactions are not eligible towards 
earning points or any award/reward.
33. Skip Payment Option. At our option, we may offer you the 
opportunity to not make (“skip”) a minimum payment during 
certain designated billing cycles (“skip payment period”). If 
you do not make your minimum payments as provided in 
this Agreement, during such designated billing cycles, you 
understand that we will continue to apply finance charges to the 
account. Beginning with the billing cycle following an allowed 
skip payment period, all other provisions of this Agreement 
apply. We have no obligation to accept your application for any 
skip payment period offered.
34. Insurance. If you elect any type of insurance or debt 
protection offered by the Credit Union, then the charges will be 
added to your account balance on each billing cycle. Any type 
of insurance or debt protection offered by the Credit Union is 
voluntary and is not required to obtain a credit card account 
with us. You have the right to terminate any type of insurance 
or debt protection offered by the Credit Union at any time by 
notifying us in writing.
35. Correction of Errors and Omissions. You agree to 
fully cooperate in correcting any errors in the Application 
or Agreement that we request within the first 30 days after 
the account is opened, if we believe such corrections are 
necessary or desirable. We will bear all costs of preparing any 
documents necessary for such corrections.

YOUR BILLING RIGHTS
This notice contains important information about your rights and 
our responsibilities under the Fair Credit Billing Act.
Notify Us In Case of Errors or Questions About Your Bill
If you think your bill is wrong, or if you need more information 
about a transaction on your bill, write us on a separate sheet at 
the address listed on your bill. Write to us as soon as possible. 
We must hear from you no later than 60 days after we sent you 
the first bill on which the error or problem appeared. You can 
telephone us, but doing so will not preserve your rights.
In your letter, give us the following information:

•  Your name and account number.
•  The dollar amount of the suspected error.
•  Describe the error and explain, if you can, why you believe 

•  there is an error. If you need more information, describe the 

item you are not sure about.

If you have authorized us to pay your credit card bill 
automatically from your savings or checking account, you can 
stop the payment on any amount you think is wrong. To stop 
the payment, your letter must reach us three business days 
before the automatic payment is scheduled to occur.
Your Rights and Our Responsibilities After We Receive 
Your Written Notice
We must acknowledge your letter within 30 days, unless we 
have corrected the error by then. Within 90 days, we must either 
correct the error or explain why we believe the bill was correct.
After we receive your letter, we cannot try to collect any amount 
you question, or report that amount as delinquent. We can 
continue to bill you for the amount you question, including 
finance charges, and we can apply any unpaid amount against 
your credit limit. You do not have to pay any questioned amount 
while we are investigating, but you are still obligated to pay the 
parts of your bill that are not in question.
If we find that we made an error on your bill, you will not have 
to pay any finance charges related to any questioned amount. 
If we did not make an error, you may have to pay finance 
charges, and you will have to make up any missed payments 
on the questioned amount. In either case, we will send you a 

statement, the amount you owe and the date that it is due.
If you fail to pay the amount that we think you owe, we may 
report you as delinquent. However, if our explanation does not 
satisfy you and you write us within ten days telling us that you 
still refuse to pay, we must tell anyone we report you to that 
you have a question about your bill. And, we must tell you the 
name of anyone we reported you to. We must tell anyone we 
report you to that the matter has been settled between us when 
it finally is.
If we do not follow these rules, we can’t collect the first $50.00 
of the questioned amount, even if your bill is correct.
Special Rule for Credit Card Purchases
If you have a problem with the quality of property or services 
that you purchased with a credit card, and you have tried in 
good faith to correct the problem with the merchant, you may 
have the right not to pay the remaining amount due on the 
property or services. There are two limitations to this right:
(a) You must have made the purchase in your home state or, 
if not, within 100 miles of your current mailing address; and (b) 
The purchase price must have been more than $50.00.
These limitations do not apply if we own or operate the 
merchant, or we mailed you the advertisement for the property 
or services.

PRICING INFORMATION

Annual Percentage Rate 
(APR) for Purchases, 
Cash Advances, & 
Balance Transfers

MasterCard Standard
11.90%, 15.90% or 19.90%
depending on your credit history. This APR will 
vary with the market based on the Prime Rate.

MasterCard Platinum
8.90%, 12.90% or 16.90%
depending on your credit history. This APR will  
vary with the market based on the Prime Rate.

Paying Interest Your due date is at least 21-days after the close of each billing cycle. We will not charge you any 
interest on purchases if you pay your entire balance by the due date each month. We will begin 
charging interest on cash advances and balance transfers on the transaction date.

Minimum Interest Charge None

For Credit Card Tips from 
the Consumer Financial 
Protection Bureau

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/learnmore

Fees to Open or  
Maintain Your Account:

Annual Fee
Application Fee

None
None

Transaction Fees:

Balance Transfer
Cash Advance
Foreign Transactions

Penalty Fees:

2% of the amount of each transfer
2% of the amount of each cash advance
Up to 1% of each transaction in U.S. dollars if the transaction involves a currency conversion
Up to 1% of each transaction in U.S. dollars if the transaction does not involves a currency 
conversion

Late Payment
Over-the-Credit Limit
Returned Payment

Up to $18.50 if your payment is late 10 days after due date
None
Up to $5.00 if your payment is returned for any reason

How we will calculate your balance: We will use a method called “average daily balance (including new purchases”). See your 
account agreement for more details.
Billing rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account 
agreement.

The information about the costs of the card described in this application is accurate as of 09.01.17. This information may 
have changed after that date. To find out what may have changed, call 574.534.2506 or visit interracu.com, or write Interra 
Credit Union, PO Box 727, Goshen, IN 46527.

Rev. 09/17

AMENDMENT TO CREDIT CARD DOCUMENT – MILITARY LENDING ACT 

The following amends your credit card agreement and Account Opening Truth-in-Lending Disclosure. Please keep with 
your other credit card documents. 

IMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS: 

The Military Lending Act applies to this credit card account if at the time you establish the account you are an active member of the 
military or a dependent (as defined in the Military Lending Act, 10 U.S.C. 987 and implementing regulations). The following terms 
and conditions  amend  your credit card  agreement  and  apply  during  any  period(s)  in  which  you  are  active military or  a dependent 
under those definitions. They do not apply when you are not an active duty member of the military or a dependent: 

1.  NOTICE:  Federal  law  provides  important  protections  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  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 account: the costs associated with credit insurance premiums or debt protection fees; fees for ancillary products 
sold in connection with the credit transaction; any application fee  or participation fee unless they are bona fide and reasonable 
under the MLA. To receive this notice verbally, please call toll-free 888-432-2848. 

2.  Advances will not be secured by a consensual lien on shares or deposits in any of your share  or deposit accounts unless you 
specifically  agree  to  establish  a  secured  share  or  deposit  account  in  connection  with  this  credit  card  account  (“Secured 
Account”). Only funds deposited into the Secured Account after the credit card is established will secure advances. Any cross-
collateralization provision contained in your credit or membership documents will not apply to the Secured Account or your other 
share or deposit accounts for this account. 

However,  with regard to this credit card account, we still reserve our rights regarding statutory liens and administrative freeze 
under federal or state law. 

Any contract terms in your credit card, security, or membership agreements that contradict the above shall be inapplicable.  

3.  Your  credit  card  account  is  not  subject  to  mandatory  arbitration  and  therefore  any  reference  to  mandatory  arbitration  in 

connection with this credit card account does not apply. 

All other terms and conditions of your account remain unchanged and in full effect. 

19653 LASER WORD 5-2017 

COPYRIGHT 2017 Securian Financial Group, Inc. All rights reserved. 

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