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Credit Card Agreement and Disclosures

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Consumer Credit Card Agreement and Disclosure

This Consumer Credit Card Agreement and Disclosure together with the Account
Opening Disclosure and any other Account opening documents or any subsequent
documents provided to You related to this Account (hereinafter collectively referred to
as “Agreement”) govern the terms and conditions of this Account. “We,” “Us,” “Our” and
“Ours” and “Credit Union” refers to Quorum Federal Credit Union with which this
Agreement is made. “You,” “Your,” and “Yours” refers to each applicant and co-applicant
for the Account; any person responsible for paying the Account; and anyone You
authorize to use, access or service the Account. "Card" means the Mastercard® credit
card and any other access devices, duplicates, renewals, or substitutions, including
convenience checks, the Credit Union issues to You. "Account" means the line of credit
established by this Agreement and includes Your Card.