VISA PLATINUM ELITE AND 
VISA PLATINUM ELITE REWARDS
CONSUMER CREDIT CARD AGREEMENT

In  this  Agreement,  “Agreement”  means  this  Consumer  Credit  Card  Agreement.  “Disclosure”  means  the  Credit  Card 
Account Opening Disclosure. The Account Opening Disclosure is incorporated into this Consumer Credit Card Agreement 
and  is  part  of  the  Agreement.  In  this  Agreement  the  words  "you,"  “your,”  and  "yours"  mean  each  and  all  of  those  who 
agree to be bound by this Agreement; "card" means the Visa credit card and any duplicates, renewals, or substitutions the 
Credit Union issues to you; "account" means your Visa credit card line-of-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. 
1.  USING YOUR ACCOUNT — If you are approved for an account, the Credit Union will establish a line of credit for you. 
You  agree  that  your  credit  limit  is  the  maximum  amount  (purchases,  cash  advances,  finance  charges,  plus  "other 
charges") which you will have outstanding on your account at any time. Unless disclosed otherwise, the Credit Union will 
not allow advances over the credit limit. If the Credit Union has a program whereby it allows payment of advances that 
exceed  your  credit  limit,  the  Credit  Union  will  provide  you  with  notice,  either  orally,  in  writing,  or  electronically 
(notwithstanding the requirements of the paragraph entitled “Statements and Notices”) explaining your right to opt in to the 
Credit  Union’s  program  whereby  it  will  honor  advance  requests  over  the  credit  limit.  In  the  event  you  opt  in  to  such  a 
program, you agree to the terms of such a program. You may request an increase in your credit limit only by a method 
acceptable to the Credit Union. The Credit Union may increase or decrease your credit limit, refuse to make an advance 
and/or  terminate  your  account  at  any  time  for  any  reason  not  prohibited  by  law.  If  you  are  permitted  to  obtain  cash 
advances  on  your  account,  we  may,  from  time  to  time,  issue  convenience  checks  to  you  that  may  be  drawn  on  your 
account. Convenience checks may not be used to make a payment on your account balance. If you use a convenience 
check, it will be posted to your account as a cash advance. We reserve the right to refuse to pay a convenience check 
drawn on your account for any reason and such refusal shall not constitute wrongful dishonor. 
You may request that we stop the payment of a convenience check drawn on your account. You agree to pay any fee 
imposed  to  stop  a  payment  on  a  convenience  check  issued  on  your  account.  You  may  make  a  stop  payment  request 
orally,  if  permitted,  or  in  writing.  Your  request  must  be  made  with  sufficient  time  in  advance  of  the  presentment  of  the 
check for payment to give us a reasonable opportunity to act on your request. In addition, your request must accurately 
describe the check including the exact account number, the  payee, any check number that may be applicable, and the 
exact amount of the check. If permitted, you may make a stop payment request orally but such a request will expire after 
14 days unless you confirm your request in writing within that time. Written stop payment orders are effective only for six 
(6) months and may be renewed for additional six month periods by requesting in writing that the stop payment order be 
renewed. We are not required to notify you when a stop payment order expires. If we re-credit your account after paying a 
check or draft over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the 
payee, to assign to us all of your rights against the payee or other holders of the check or draft and to assist us in any 
legal  action.  You  agree  to  indemnify  and  hold  us  harmless  from  all  costs  and  expenses,  including  attorney's  fees, 
damages, or claims, related to our honoring your stop payment request or in failing to stop payment of an item as a result 
of incorrect information provided to us or the giving of inadequate time to act upon a stop payment request.  
2.  USING  YOUR  CARD  —  You  understand  that  the  use  of  your  credit  card  or  credit  card  account  will  constitute 
acknowledgement of receipt and agreement to the terms of the Credit Card Agreement and Credit Card Account Opening 
Disclosure  (Disclosure).  You  may  use  your  card  to  make  purchases  from  merchants  and  others  who  accept  your  card. 
The credit union is not responsible for the refusal of any merchant or financial institution to honor your card. If you wish to 
pay for goods or services over the Internet, you may be required to provide card number security information before you 
will be permitted to complete the transaction. In addition, you may obtain cash advances from the Credit Union, from other 
financial institutions that accept your card, and from some automated teller machines (ATMs). (Not all ATMs accept your 
card.)  If  the  credit  union  authorizes  ATM  transactions  with  your  card,  it  will  issue  you  a  personal  identification  number 
(PIN). To obtain cash advances from an ATM, you must use the PIN issued to you for use with your card. You agree that 
you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Even if you use 
your card  for  an  illegal  transaction,  you  will be responsible  for  all  amounts  and  charges  incurred  in  connection with  the 
transaction.  If  you  are  permitted  to  obtain  cash  advances  on  your  account,  you  may  also  use  your  card  to  purchase 
instruments and engage in transactions that we consider the equivalent of cash. Such transactions will be posted to your 
account  as  cash  advances  and  include,  but  are  not  limited  to,  wire  transfers,  money  orders,  bets,  lottery  tickets,  and 
casino gaming chips. This paragraph shall not be interpreted as permitting or authorizing any transaction that is illegal. 
3.  PROMISE  TO  PAY  —  You  promise  to  pay  all  charges  (purchases,  cash  advances,  balance  transfers,  use  of 
convenience checks or any other charge) made to your account by you or anyone you authorize to use your account. You 
also promise to pay all finance charges and other charges added to your account under the terms of this Agreement or 
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another agreement you made with the Credit Union. If this is a joint account, the paragraph on JOINT ACCOUNTS also 
applies to your account. 
4.  PERIODIC  RATES  —  The  periodic  rates  applicable  to  purchases,  cash  advances,  and  balance  transfers  are 
disclosed on the Disclosure that accompanies this Agreement. Any penalty rate that may be imposed for failing to make a 
payment by the payment due date is also disclosed on the Disclosure. The rate charged on purchases, cash advances, 
balance transfers, and any penalty rate will not vary from month to month unless we notify you in advance that the rate(s) 
will change as required by law. If the rate for your account is variable, as indicated on the accompanying Disclosure, the 
rate charged on purchases, cash advances, balance transfers and any penalty rate will vary periodically as disclosed in 
the Disclosure accompanying this Agreement. The initial rate on your account for certain types of transactions may be an 
introductory  discounted  rate  (Introductory  Rate)  that  is  lower  than  the  rate  that  would  ordinarily  apply  for  that  type  of 
transaction. If an Introductory Rate applies to your account, the rates and the period of time it will be effective is shown on 
the  Disclosure  accompanying  this  Agreement.  After  the  Introductory  Rate  period  expires,  the  periodic  rate  will 
automatically  increase  to  the  rates  that  would  ordinarily  apply  for  that  type  of  transaction  based  on  the  terms  of  this 
Agreement.  
5.  FINANCE CHARGES — New purchases posted to your account during a billing cycle will not incur a finance charge 
for that billing cycle if you had a zero or credit balance at the beginning of that billing cycle, or you paid the entire new 
balance on the previous cycle's billing statement by the payment due date of that statement; otherwise a finance charge 
will accrue from the date a purchase is posted to your account. To avoid an additional finance charge on the balance of 
purchases, you must pay the entire new balance on the billing statement by the payment due date of that statement. A 
finance charge begins to accrue on cash advances from the date you get the cash advance or from the first day of the 
billing cycle in which the cash advance is posted to your account, whichever is later. 
The  finance  charge  is  calculated  separately  for  purchases  and  cash  advances.  For  purchases,  the  finance  charge  is 
computed by applying the periodic rate to the average daily balance of purchases. To calculate the average daily balance 
of purchases, we take the beginning outstanding balance of purchases each day, add any new purchases, and subtract 
any  payments  and/or  credits.  This  gives  us  the  daily  balance  of  purchases.  We  then  add  all  of  the  daily  balances  of 
purchases for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the 
average daily balance of purchases.  
For cash  advances,  the  finance charge  is computed  by  applying  the  periodic rate  to  the  average daily balance  of cash 
advances. To calculate the average daily balance of cash advances, we take the beginning outstanding balance of cash 
advances each day, add in any new cash advances, and subtract any payments and/or credits that we apply to the cash 
advance  balance.  This  gives  us  the  daily  balance  of  cash  advances.  We  then  add  all  of  the  daily  balances  of  cash 
advances for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the 
average daily balance of cash advances. Balance transfers are calculated in the same manner as cash advances. 
6.  FOREIGN TRANSACTIONS — Purchases and cash advances made in foreign currencies 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 Visa from a range of rates available in wholesale currency markets for the 
applicable  central  processing  date,  which  rate  may  vary  from  the  rate  Visa  itself  receives  or  the  government-mandated 
rate in effect for the applicable central processing date. The 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 (finance charge), calculated in U.S. dollars, will be imposed on all foreign transactions, including purchases, cash 
advances and credits to your account. A foreign transaction is any transaction 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. The Foreign Transaction Fee is set forth on the Disclosure accompanying this Agreement. 
7.  FEES — In addition to the periodic rate, the following additional fees may be imposed on your account. If applicable to 
your  account,  the  fee  amounts  and  explanations  are  disclosed  on  the  Disclosure  accompanying  this  Agreement.  Your 
account may also be subject to additional fees as set forth on the Disclosure accompanying this Agreement. 
a.  Foreign  Transaction  Fee  (Finance  Charge).  If  your  account  is  subject  to  a  Foreign  Transaction  Fee  (finance 
charge), a fee may be added to your account for transactions made outside of the United States or in a foreign currency. 
Transactions made in a foreign currency using a Visa branded card or processed by a network operated or affiliated with 
Visa will be subject to a fee as set forth on the Disclosure accompanying this Agreement.  
b.  Late Payment Fee. You agree to pay a Late Fee if a payment equal to or greater than the minimum payment due on 
your monthly statement is not made on or before the first statement date following the payment due date on your monthly 
statement. 
c.  Returned Payment Fee. If your account is subject to a Returned Payment Fee, the fee will be added to your account 
when a payment is returned for any reason. 
d.  Statement Copy Fee. If your account is subject to a Statement Copy Fee, except as limited by applicable law and 
when the request is made in connection with a billing error made by the Credit Union, a fee may be added to your account 
for each copy of a sales draft or statement that you request. 

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e.  Rush Fee. If your account is subject to a Rush Fee, except as limited by applicable law, a fee may be added to your 
account  for  each  rush  card  that  you  request,  providing  delivery  of  the  card  is  also  available  by  standard  mail  service, 
without paying a fee for delivery. 
f.  Card Replacement Fee. If your account is subject to a Card Replacement Fee, a fee will be added to your account 
as disclosed on the Disclosure accompanying this Agreement. 
g.  Research Fee. If your account is subject to a Research Fee, a fee will be added to your account as disclosed on the 
Disclosure accompanying this Agreement. 
e.  Stop  Payment  Fee.  If  your  account  is  subject  to  a  Stop  Payment  Fee,  a  fee  will  be  added  to  your  account  as 
disclosed on the Disclosure accompanying this Agreement. 
f.  Sales Draft Copy Fee. If your account is subject to a Sales Draft Copy Fee, a fee will be added to your account as 
disclosed on the Disclosure accompanying this Agreement. 
8.  PAYMENTS  —  Each  month  you  must  pay  at  least  the  minimum  payment  shown  on  your  statement  by  the  date 
specified  on  the  statement.  You  may  pay  more  frequently,  pay  more  than  the  minimum  payment  or  pay  the  total  new 
balance in full. If you make extra or larger payments, you are still required to make at least the minimum payment each 
month your account has a balance (other than a credit balance). The minimum payment is 2% of your total new balance, 
or $25.00, whichever is greater, plus the amount of any prior minimum payments that you have not made, all outstanding 
unpaid fees and charges, and any amount you are over your credit limit by the date specified on the statement. The Credit 
Union also has the right to demand immediate payment of any amount by which you are over your credit limit. 

Skip-A-Payment  Option.    From  time  to  time  and  solely  at  our  discretion,  we  may  allow  you  to  skip  or  not  make  the 
minimum  periodic  payment  for  a  month,  provided  that  you  meet  certain  established  criteria.    No  late  charges  or  other 
penalties will be imposed for failure to make the payment being skipped.  However, when you skip such a payment, we 
will continue to apply finance charges to your outstanding balance.  Your regularly scheduled payments will resume after 
the  skipped  month  and  your  minimum  monthly  payment  after  the  skipped  month  will  be  calculated  based  on  the 
outstanding  balance  plus  any  purchases,  fees  (other  than  late  fees),  advances  or  transfers  that  occurred  during  the 
skipped month plus finance charges incurred during the skipped month.  Currently, the Skip a Payment option is offered 
only twice every 12 months, but such offers may be increased or decreased at our discretion. 

9.  PAYMENT ALLOCATION — Subject to applicable law, your payments may be applied to what you owe the Credit 
Union in any manner the Credit Union chooses. However, in every case, in the event you make a payment in excess of 
the  required  minimum  periodic  payment,  the  Credit  Union  will  allocate  the  excess  amount  first  to  the  balance  with  the 
highest annual percentage rate and any remaining portion to the other balances in descending order based on applicable 
annual percentage rate.  
10.  SECURITY  INTEREST  —  You  grant  the  Credit  Union  a  security  interest  under  the  Uniform  Commercial  Code  and 
under any common law rights the Credit Union may have in any goods you purchase.  

Your Account is secured by all other shares you have in any individual or joint account with the Credit Union, 
except  for  shares  in  an  Individual  Retirement  Account  or  in  any  other  account  that  would  lose  special  tax 
treatment under state or federal law if given as security. These other shares may be withdrawn unless you are 
in default under this agreement. You authorize the Credit Union to apply the balance in your individual or joint 
share accounts to pay any amounts due on your Account if you should default. 

Collateral securing other loans you have with the Credit Union may also secure this loan, except that a dwelling will never 
be considered as security for this account, notwithstanding anything to the contrary in any other agreement.  
11.  DEFAULT — You will be in default if you fail to make any minimum payment or other required payment by the date 
that it is due. You will be in default if you break any promise you make under this Agreement. You will be in default if you 
die, file for bankruptcy or become insolvent, that is, unable to pay your obligations when they become due. You will be in 
default if you make any false or misleading statements in any credit application or credit update. You will also be in default 
if something happens that the Credit Union believes may substantially reduce your ability to repay what you owe. 
When  you  are  in  default,  the  Credit  Union  has  the  right  to  demand  immediate  payment  of  your  full  account  balance 
without  giving  you  notice.  If  immediate  payment  is  demanded,  you  agree  to  continue  paying  finance  charges  at  the 
periodic rate charged before default, until what you owe has been paid, and any shares that were given as security for 
your account may be applied towards what you owe. 
12.  LIABILITY  FOR  UNAUTHORIZED  USE-LOST/STOLEN  CARD  NOTIFICATION  —  You  agree  to  notify  us 
immediately, orally or in writing at Credit Card Security, PO Box 31112, Tampa, FL 33631 or telephone (800) 449-7728 
twenty-four (24) hours a day, seven (7) days a week, of the loss, theft, or unauthorized use of your credit card. You may 
be liable for the unauthorized use of your credit card.  We may also offer your account with the benefit of the Visa Zero 
Liability  Policy  in  certain  circumstances,  although  we  are  not  obligated  to  continue  such  a  policy  and  may  change  or 
withdraw  such  policy  at  any  time.    Visa’s  Zero  Liability  Policy  is  devised  to  provide  you  with  protection  against 
unauthorized  Visa  credit  card  transactions  processed  through  the  Visa  network,  including  Internet  and  telephone 
purchases.  If you suspect that your Visa credit card or card number has been lost or stolen, you may not be responsible 
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for any unauthorized purchases if you report the theft promptly.  Specifically, upon notification from you of unauthorized 
Visa transactions, we will limit your liability for those transactions to zero, provided that we receive such notification from 
you  within  60  calendar  days  of  the  mailing  date  of  the  first  statement  showing  any  unauthorized  Visa  transactions.    In 
evaluating  your  claim,  we  will  consider  whether  gross  negligence  on  your  part  has  contributed  to  the  transactions  in 
question and there has been any such gross negligence we may eliminate this benefit if, based on substantial evidence, it 
is  reasonably  determined  that  you  were  grossly  negligent  or  fraudulent  in  the  handling  of  the  card  or  account.  
Additionally, with respect to the Visa Zero Liability Policy, we will provide you with provisional credit for unauthorized Visa 
transactions  within  five  (5)  business  days  from  receipt  of  notification.    We  may  require  written  confirmation  of  the 
unauthorized Visa transactions before providing provisional credit. 
13.  CHANGING OR TERMINATING YOUR ACCOUNT — As permitted by law, the Credit Union may change the terms 
of this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with 
applicable law, at this time the notification should arrive to you 45 days before the change is to be effective.  You will have 
the choice to reject the changes in the terms of the account.  If you choose to reject the changes, your account will be 
closed  and  you will  no  longer be able  to  use  your credit  card  for purchases, cash  advances  or  balance transfers.    Any 
rewards  points  you  have  earned  on  your  Visa  Platinum  Elite  Rewards  card  will  be  forfeited  unless  you  redeem  them 
before your account is closed.  You will also still be responsible for any outstanding balances on your account, however, 
you may pay off your balance under your current terms.  If permitted by law and specified in the notice to you, the change 
will apply to your existing account balance as well as to future transactions. 
Either you or the Credit Union may terminate this Agreement at any time, but termination by you or the Credit Union will 
not affect your obligation to pay the account balance plus any finance and other charges you owe under this Agreement. 
You  are  also  responsible  for  all  transactions  made  to  your  account  after  termination,  unless  the  transactions  were 
unauthorized. 
The card or cards you receive remain the property of the Credit Union and you must recover and surrender to the Credit 
Union all cards upon request or upon termination of this Agreement whether by you or the Credit Union. If this is a joint 
account, the paragraph on JOINT ACCOUNTS of this Agreement also applies to termination of the account.  
14.  CHANGING  OR  TERMINATING  AUTHORIZED  USERS  —  Upon  your  request,  we  may  issue  additional  cards  for 
authorized  users  that  you  designate.  You  must  notify  us  in  writing  of  any  termination  of  an  authorized  user's  right  to 
access  your  account.  Your  letter  must  include  the  name  of  the  authorized  user  and  your  account  number  and/or  any 
subaccount  number  issued  to  the  authorized  user  along  with  the  authorized  user's  card  and  any  convenience  or  other 
access checks issued to the authorized user. If you cannot return the authorized user's card or access checks and if you 
request your account to be closed, we will close your account and you may apply for a new account. 
15.  CREDIT REVIEW AND RELEASE OF INFORMATION — You authorize the Credit Union to investigate your credit 
standing when opening or reviewing your account. You authorize the Credit Union to disclose information regarding your 
account to credit bureaus and creditors who inquire about your credit standing. If your account is eligible for emergency 
cash  and/or  emergency  card  replacement  services,  and  you  request  such  services,  you  agree  that  we  may  provide 
personal information about you and your account that is necessary to provide you with the requested service(s). 
16.  RETURNS  AND  ADJUSTMENTS  —  Merchants  and  others  who  honor  your  card  may  give  credit  for  returns  or 
adjustments, and they will do so by sending the Credit Union a credit slip which will be posted to your account. If  your 
credits and payments exceed what you owe  the Credit Union, the amount will be applied against future purchases and 
cash  advances.  If  the  credit  balance  amount  is  $1.00  or  more,  it  will  be  refunded  upon  your  written  request  or 
automatically after six (6) months. 
17.  ADDITIONAL  BENEFITS/CARD  ENHANCEMENTS  —  The  Credit  Union  may  from  time  to  time  offer  additional 
services to your account, such as travel accident insurance, at no additional cost to you. You understand that the Credit 
Union is not obligated to offer such services and may withdraw or change them at any time. 
18.  MERCHANT DISPUTES — The Credit Union is not responsible for the refusal of any merchant or financial institution 
to  honor  your  card.  The  Credit  Union  is  subject  to  claims  and  defenses  (other  than  tort  claims)  arising  out  of  goods  or 
services you purchase with the card if you have made a good faith attempt but have been unable to obtain satisfaction 
from the merchant or service provider, and (a) your purchase was made in response to an advertisement the Credit Union 
sent or participated in sending to you; or (b) your purchase cost more than $50.00 and was made in your state or within 
100 miles of your home. 
19.  JOINT ACCOUNTS — If this is a joint account, each person on the account will be individually and jointly responsible 
for  paying  all  amounts  owed  under  this  Agreement.  This  means  that  the  Credit  Union  can  require  any  one  of  you 
individually  to  repay  the  entire  amount  owed  under  this  Agreement.  Each  of  you  authorizes  the  other(s)  to  make 
purchases or cash advances individually. Any one of you may terminate the account and the termination will be effective 
as to all of you. 
20.  EFFECT OF AGREEMENT — This Agreement is the contract which applies to all transactions on your account even 
though the sales, cash advances, credit or other slips you sign or receive may contain different terms. 
21.  NO WAIVER — The Credit Union can delay enforcing any of its rights any number of times without losing them. 

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22.  STATEMENTS AND NOTICES — Statements and notices will be mailed to you at the appropriate address you have 
given the Credit Union. Notice sent to any one of you will be considered notice to all.  
23.  SEVERABILITY  AND  FINAL  EXPRESSION  —  This  Agreement  and  the  Disclosure  are  the  final  expression  of  the 
terms and conditions of your account. This written Agreement and Disclosure may not be contradicted by evidence of any 
alleged oral agreement. Should any part of this Agreement or the Disclosure be found to be invalid or unenforceable, all 
other  parts  of  this  Agreement  and  Disclosure  shall  remain  in  effect  and  fully  enforceable  to  the  fullest  extent  possible 
under this Agreement. 
24.  COPY RECEIVED — You acknowledge that you have received a copy of this Agreement and Disclosure. 
25.  INTERNET  GAMBLING  TRANSACTIONS  PROHIBITED  —  You  may  not  use  your  card  to  initiate  any  type  of 
electronic gambling transaction through the Internet. 
26.  VOLUNTARY PAYMENT PROTECTION — We may offer Voluntary Payment Protection to you. Voluntary Payment 
Protection is not necessary to obtain credit. If you purchase Voluntary Payment Protection from us, you authorize us to 
add  the  fees  or  insurance  charges  monthly  to  your  loan  balance  and  charge  you  interest  on  the  entire  balance.  At  our 
option we will change your payment or the period of time necessary to repay the loan balance. The rate used to determine 
the  fees  or  insurance  charges  may  change  in  the  future.  If  the  rate  changes,  we  will  provide  any  notices  required  by 
applicable law.  
27.  NOTICE TO UTAH BORROWERS — This written agreement is a final expression of the agreement between you and 
the Credit Union. This written agreement may not be contradicted by evidence of any oral agreement. 
28.  THE  FOLLOWING  IS  REQUIRED  BY  VERMONT  LAW  —  NOTICE  TO  CO-SIGNER  —  YOUR  SIGNATURE  ON 
THIS  NOTE  MEANS  THAT  YOU  ARE  EQUALLY  LIABLE  FOR  REPAYMENT  OF  THIS  LOAN.  IF  THE  BORROWER 
DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. 

Your Billing Rights: Keep this Document for Future Use 

This notice tells you 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: 

LakeTrust Credit Union 
501 S. Capitol Ave. 
Lansing, MI  48933 

You may also contact us on the Web: laketrust.org 
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 [or electronically]. You may call us, but if you do we are not required to 
investigate any potential errors and you may have to pay the amount in question. 
What Will Happen After We Receive Your Letter 
When we receive your letter, we must do two things: 

1.  Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we 

have already corrected the error. 

2.  Within 90 days of receiving your letter, we must either correct the error or explain why we believe the bill was 

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. 

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• 

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 settled between us. 
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is 
correct. 
Your Rights if You Are Dissatisfied With Your Credit Card Purchases 
If  you  are  dissatisfied  with  the  goods  or  services  that  you  have  purchased  with  your  credit  card,  and  you  have  tried  in 
good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the 
purchase. 
To use this right, all of the following must be true: 

1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and 

the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was 
based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 
2.  You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with 

a check that accesses your credit card account do not qualify. 

3.  You must not 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 [or electronically] at: 

LakeTrust Credit Union 
501 S. Capitol Ave. 
Lansing, MI  48933 
laketrust.org 

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. 
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 (2) limitations on this right: 

•  You must have made the purchase in your home state or, if not within your home state, within 100 miles of 

your current mailing address; and 

•  The purchase price must have been more than $50.00. 

These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or 
services. 

©CUNA MUTUAL GROUP, 1991, 2006, 09, ALL RIGHTS RESERVED 

DMIFY1 (MXC500 CCM000)-e 

 
 
 
 
501 S. Capitol Ave.
Lansing, MI 48933
517.267.7200
888.267.7200
Fax: 517.267.7024
laketrust.org

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Interest Rates and Interest Charges
Purchases 

Annual Percentage Rate (APR)  
for Purchases

APR for Cash Advances 

APR for Cash Advances

APR for Balance Transfers 

APR for Balance Transfers

VISA PLATINUM ELITE AND 
VISA PLATINUM ELITE AND
VISA PLATINUM ELITE REWARDS
VISA PLATINUM ELITE REWARDS
APPLICATION AND SOLICITATION DISCLOSURE
APPLICATION AND SOLICITATION DISCLOSURE

Visa Platinum Elite 

8.90%, 9.90%, 10.90%, 15.90% or 18.90%
Visa Platinum Elite
when you open your account, based on your creditworthiness. This 
APR will vary with the market based on the Prime Rate. 

8.75%, 9.75%, 10.75%, 15.75%, or 18.75%
when you open your account based on your creditworthiness. This APR 
Visa Platinum Elite Rewards 
will vary with the market based on the Prime Rate.
10.90%, 11.90%, 12.90%, 17.90% or 20.90%
Visa Platinum Elite Rewards
when you open your account, based on your creditworthiness. This 
APR will vary with the market based on the Prime Rate. 
10.75%, 11.75%, 12.75%, 17.75%, or 20.75% 
when you open your account, based on your creditworthiness. This APR 
11.90%, 12.90%, 13.90%, 18.90% or 21.90%
will vary with the market based on the Prime Rate.
when you open your account, based on your creditworthiness. This 
Visa Platinum Elite
APR will vary with the market based on the Prime Rate. 
11.75%, 12.75%, 13.75%, 18.75%, or 21.75% when you open your 
account based on your creditworthiness. This APR will vary with the  
market based on the Prime Rate.

13.90%, 14.90%, 15.90%, 20.90% or 23.90%
when you open your account, based on your creditworthiness. This 
APR will vary with the market based on the Prime Rate. 

Visa Platinum Elite Rewards 

Visa Platinum Elite 

Visa Platinum Elite Rewards
13.75%, 14.75%, 15.75%, 20.75%, or 23.75% when you open your 
account, based on your creditworthiness. This APR will vary with the 
market based on the Prime Rate.

11.90%, 12.90%, 13.90%, 18.90% or 21.90%
when you open your account, based on your creditworthiness. This 
APR will vary with the market based on the Prime Rate. 

Visa Platinum Elite 

Visa Platinum Elite
11.75%, 12.75%, 13.75%, 18.75%, or 21.75% when you open your 
13.90%, 14.90%, 15.90%, 20.90% or 23.90%
account based on your creditworthiness. This APR will vary with the  
when you open your account, based on your creditworthiness. This 
market based on the Prime Rate.
APR will vary with the market based on the Prime Rate. 

Visa Platinum Elite Rewards 

How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle.  

For Credit Card Tips from the Federal 
Reserve Board 

How to Avoid Paying Interest on Purchases
Fees
Transaction Fees 

•  Foreign Transaction Fee 

Penalty Fees 
For Credit Card Tips from the Federal  
•  Late Payment Fee 
Reserve Board
•  Returned Payment Fee 

Visa Platinum Elite Rewards
We do not charge you interest on purchases if you pay your entire 
balance by the due date each month.   
13.75%, 14.75%, 15.75%, 20.75%, or 23.75% when you open your 
To learn more about factors to consider when applying for or using a 
account, based on your creditworthiness. This APR will vary with the 
credit card, visit the Web site of the Federal Reserve Board at 
market based on the Prime Rate.
http://www.federalreserve.gov/creditcard.

Your due date is at least 25 days after the close of each billing cycle. We 
do not charge you interest on purchases if you pay your entire balance by 
the due date each month.

           of each transaction in U.S. dollars 
1.00%

$35.00
           per returned payment 
$28.00

To learn more about factors to consider when applying for or using a 
credit card, visit the Web site of the Federal Reserve Board at  
http://www.federalreserve.gov/

1.00% of each transaction in U.S. dollars

How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).”  
Fees
Effective  Date.  The  information  about  the  costs  of  the  card  described  in  this  application  is  accurate  as
Transaction Fees
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 
> Foreign Transaction Fee
OTHER DISCLOSURES 
Penalty Fees
Other Fees 
> Late Payment Fee
•  Statement Copy Fee 
> Returned Payment Fee
•  Rush Fee 
•  Stop Payment Fee 
•  Research Fee 
•  Sales Draft Copy Fee 
•  Card Replacement Fee   
©CUNA MUTUAL GROUP, 2009, ALL RIGHTS RESERVED 

           per statement 
$2.00
           per card 
$20.00
           per request  
$28.00
How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).”
           per hour, minimum of one (1) hour 
$20.00
           per sales draft 
Effective Date. The information about the costs of the card described in this application is accurate as of 08/22/10. This 
$5.00
             per card 
information may have changed after that date. To find out what may have changed, contact the Credit Union.
$25.00

Up to $35.00
Up to $25.00 per returned payment

01/01/2010.

DMIFW0 (MXC400)-e

SEE BACK OF PAGE for more information about your account.

           
           
           
           
         
 
OTHER DISCLOSURES

Other Fees

Late Payment Fee 

Returned Payment Fee 

Statement Copy Fee 

Rush Fee 

Stop Payment Fee 

Research Fee 

Sales Draft Copy Fee 

Card Replacement Fee 

 $25.00 or the amount of the required minimum payment, whichever 
is less. In the event you fail to make a payment on time in any of 
the six (6) billing cycles following the violation, you will be charged 
$35.00 or the amount of the required minimum payment, whichever 
is less.

$25.00 or the amount of the returned item, whichever is less.

$2.00 per statement

$20.00 per card

$28.00 per request

$20.00 per hour, minimum of one (1) hour

$5.00 per sales draft

$25.00 per card

Ann Arbor
2350 W. Stadium Blvd.
Ann Arbor, MI 48103*t

2222 Packard St.
Ann Arbor, MI 48104t

Auburn Hills
2731 University Dr.
Auburn Hills, MI 48326t

Brighton
8661 W. Grand River Ave.
Brighton, MI 48116*t

Center Line
25373 Van Dyke Ave.
Center Line, MI 48015t

Chelsea
1170 S. Main St., Suite 100
Chelsea, MI 48118t

Detroit
Located in the DTE Building
Use Visitor Lot (1st & Bagley)
One Energy Plaza, Suite 100
Detroit, MI 48226t

Branch Locations

DeWitt
12750 Escanaba Dr.
DeWitt, MI 48820*t

Dimondale
Secondary Complex
8420 Billwood Hwy.
Dimondale, MI 48821

Grand Haven
16916 Robbins Rd.
Grand Haven, MI 49417*t

Hastings
209 N. Church St.
Hastings, MI 49058

Holland
340 N. 120th Ave.
Holland, MI 49424*t

Howell
1700 W. Highland Rd.
Howell, MI 48843*t

Jenison
195 Chicago Dr.
Jenison, MI 49428*t

Lansing
501 S. Capitol Ave.
Lansing, MI 48933*t

438 E. Edgewood Blvd.
Suite D101-102
Lansing, MI 48911

7007 W. Saginaw Hwy.
Lansing, MI 48917*t

300 N. Clippert St., Suite 10
Lansing, MI 48912

Mt. Pleasant
1011 N. Harris St.
Mt. Pleasant, MI 48858

Student Book Exchange
209 E. Bellows St.
Mt. Pleasant, MI 48858

Okemos
1821 Newman Rd. 
Okemos, MI 48864*t

* Drive Thu Available
 t Night Deposit Available

310 (08/10) 

IMPACT SOLUTIONS