9011 LASER WORD FI18422 Rev 4-2022 COPYRIGHT 2006  Securian Financial Group, Inc. All rights reserved . 
page 1 of 3 
 
 3600 Brooks Street  
Missoula, MT 59801  
406-523-3300  
clearwatercreditunion.org  CREDIT CARD AGREEMENT  
 
 
BORROWER 1  
 ACCOUNT NUMBER  
 
BORROWER 2  
 DATE  
 
Clearwater Federal Credit Union ( doing business as  Clearwater Credit Union, hereafter "the credit union").  In this Agreement, �You� and �your� mean 
any person who accepts this Agreement or uses the Card. The �Card� means any credit card issued to you or those designated by  you under the terms 
of this Agre ement. �We�, �us �, �our� an d �Credit Union� means the Credit Union  named above  or its successors.  By using your card, you agree to all of 
the terms and conditions set forth herein.  
THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION 
FOR THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT . 
YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY 
INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE 
WITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF 
CREDIT EXTENDED UNDER THIS AGREEMENT. YOU ALSO 
AGREE THAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS 
UNDE R STATE AND/OR FEDERAL LAW. IF YOU ARE IN DEFAULT, 
WE CAN APPLY YOUR SHARES TO THE AMOUNT YOU OWE.  
Shares and deposits in an Individual Retirement Account or any other 
account that would lose special tax treatment under state or federal law 
if given are n ot subject to this security interest.  
If you have other loans with us, collateral securing such loans will also 
secure your obligations under this Agreement, unless that other collateral 
is your principal residence or non -purchase money household goods . 
Using Your Card.  You can purchase or lease goods and services from 
any merchant who honors your Card, and you may obtain cash advances 
from financial institutions and ATM machines that accept the Card, up to 
your maximum credit limit. You agree not to presen t your Card or obtain a 
cash advance for any extension of credit in excess  of your available credit 
limit; however, if you do exceed your credit limit, you agree to make 
immediate payment sufficient to bring the balance below the credit limit. 
Certain purc hases and cash advances require authorization prior to 
completion of the transaction. In some cases, you may be asked to 
provide identification. If our system is not working, we may not be able to 
authorize a transaction, even though you have sufficient cr edit 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.  
Personal Identification Number (PIN).  We may issue a Personal 
Identification Number (PIN) for use with your Card. This PIN is confidential 
and should not be disclosed to anyone. You may use your PIN and your 
Card to access your account, and all sums advanced will be added to 
your account balance. In the event a use o f your PIN constitutes an 
Electronic Funds Transfer, the terms and conditions of your Electronic 
Funds Transfer Agreement may affect your rights.  
Promise To Pay.  You promise to pay us in U.S. dollars for (a) all 
purchases, cash advances, and balance trans fers made by you or anyone 
whom you authorize to use the Card; (b) all Interest Charges and all other 
charges or fees; (c) collection costs and attorney's fees as permitted by 
applicable law, and any costs incurred in the recovery of the Card; and (d) 
credit in excess of your credit limit that we may extend to you.   
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 to any gambling activity. You agree that we will have 
no liabil ity 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 in directly 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.  
Joint Accounts.  Each of you will be responsible, jointly and severally, for  
the repayment of amounts owed, regardless of who initiated any 
transaction under the account.  
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 writ ing, and if he 
or she has a Card, you must return that Card with your written notice for it 
to be effective . 
Ownership of Card.  Your Card remains our property and may be 
cancelled by us at any time without notice. You agree to surrender your 
Card and to discontinue use of the account immediately upon our request.  
Interest Charges.  You agree to pay interest at the rate(s) disclosed  to 
you at the time you open your account and as may be changed from time 
to time in accordance with applicable law. Average Daily Balance 
including new transactions : Interest Charges will accrue on your average 
daily balance outstanding during the month. To get the average daily 
balance, we take the beginning balance each day, add any new 
purchases, cash advances, balance transfers or other advances, and 
subtract any payments, unpaid interest charges, and unpaid late charges. 
This gives us the daily balanc e. Then, we add up all the daily balances for 
the billing cycle and divide that by the number of days in the billing cycle. 
We then multiply that by the periodic rate corresponding to the Annual 
Percentage Rate on your account. If you have different rates for 
purchases, cash advances or balance transfers, separate average daily 
balances for each will be calculated and the appropriate periodic  rate is 
then applied to each.  
Grace Period on Purchases Only : You can avoid Interest Charges on 
purchases by paying the full amount of the new balance for purchases 
each month by the date on which the payment is due. Otherwise, the new 
balance of your account, and subsequent advances from the date they 
are posted to the account, will be subject to an Interest Charge. Yo u 
cannot avoid Interest Charges on cash advances and balance transfers; 
even if you pay the entire cash advance balance or balance transfer 
balance by the payment due date, you will incur the Interest Charges 
accrued from the date the cash advance or balan ce transfer is posted to 
your account.  
Fees.  In addition to the Interest Charges set forth above, you agree to 
also pay any and all fees that you incur as disclosed to you on your Truth -
in-Lending Statement or similar disclosures (as may be amended from 
time to time), or as disclosed to you during the term of your Card.  
If Your Card is Lost or Stolen or if an Unauthorized Use Occurs.  You 
agree to notify us immediately if your Card is ever lost or stolen or if an 
unauthorized use may have occurred. "Unauthorized use" means the use 
of the Card by someone other than you who does not have actual, implied 
or apparent authority for such use , and from which you receive no benefit.   
9011 LASER WORD FI18422 Rev 4-2022 COPYRIGHT 2006  Securian Financial Group, Inc. All rights reserved . 
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 The telephone number to call is (844) 228 -5068 . You agree to follow up 
your call with notice in  writing to us at: 3600 Brooks St., Missoula, MT 
59801 . You also agree to assist us in determining the facts, 
circumstances and other pertinent information relating to any loss, theft or 
possible unauthorized use of your Card and comply with such procedures 
as we may require in connection with our investigation. You will be liable 
for any unauthorized use only if we can prove that you were negligent in 
your use or handling of your Card, or if we can prove that you used your 
Card fraudulently.  
Minimum Payment Due; Crediting of Payments.  Payments are due in 
the amount and on the date disclosed on your billing stateme nt. If your 
payment is received by us on a business day at the address and by the 
time designated on the billing statement, it will be credited to your account 
on the date of receipt. If payment is made at any location other than the 
address designated on the periodic statement, credit for such payment 
may be delayed up to five (5) days. Payments will be applied in any order 
we determine, subject to applicable law.  
Default; Acceleration; Credit Suspension; Collection Costs.  You will 
be in default if: (1) y ou fail to make any payment on time; (2) if you fail to 
keep any promises you have made under this Agreement or under other 
Agreements you have with us; (3) if you die; (4) if you file a petition in 
bankruptcy or have a bankruptcy petition filed against yo u, or if you 
become involved in any insolvency, receivership or custodial proceeding; 
(5) if anyone attempts to take any of your funds held by us via legal 
process or if you have a judgment or tax lien filed against you; (6) if you 
make any false, inaccura te, or misleading statements in any credit 
application or credit update; or (7) if we, in good faith, believe that your 
ability to repay what you owe is or soon will be impaired, or that you are 
unwilling to make your payments.  
If you are in default, we h ave 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 interest charges and fees until 
what you owe has been paid, and any shares that were given as s ecurity 
for your account may be applied towards what you owe. You agree to pay 
all reasonable costs of collection, including court costs and attorney's 
fees, and any costs incurred in the recovery of the Card, subject to 
applicable law. Even if your unpaid  balance is less than your credit limit, 
you will have no credit available during any time that any aspect of your 
account is in default.   
Suspension of electronic services and acces s to share or deposit 
accounts.  Subject to applicable law, we may suspend  some or all 
electronic services and access to your checking or other account(s) if you 
become delinquent on any of your credit card or deposit obligations to us 
or you cause a loss to us. We shall not be liable to you in any regard in 
connection with such  suspension of services.  
Additional Benefits/Card Enhancements.  We may from time to time 
offer additional services to your Account at no additional cost to you. You 
understand that we are not obligated to offer such services and may 
withdraw or change them  at any time.   
Convenience Checks.  We may, at our discretion, issue checks to you 
which may be used for any purpose other than making a payment for 
credit to your account. By signing such check, you authorize us to pay the 
item for the amount indicated an d post such amount as a cash advance to 
your account. We do not have to pay any item which would cause the 
outstanding balance in your account to exceed your credit limit.   
Credit Information.  We may from time to time request personal 
information from you  or obtain credit reports from the credit reporting 
agencies for the purpose of updating your credit status. Your failure to 
provide such information when requested by us may result in suspension 
of credit privileges under this Agreement, including your ab ility to obtain 
any future advances by any means. You authorize us to investigate your 
credit standing when opening or reviewing your account. You authorize us 
to disclose information regarding your account to credit bureau and 
creditors who inquire about your credit standing.  
Foreign Transactions; Currency Conversion.  Purchases and cash 
advances made in foreign currencies will be billed to you in U.S. dollars. 
The conversion rate in dollars will be a rate selected by the card company 
from a range of rates  available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate the 
card company itself receives, or the government -mandated rate in effect 
for the applicable central processing date in each instance. All 
transactions processed outside of the United States (which may include 
internet transactions) will be charged a foreign transaction fee in the 
amount disclosed on your Truth -in-Lending Statement (as amended from 
time to time) , even if you are located i n the United States .  
Termination; Change -in-Terms.  We may, by written notice, terminate 
this Agreement at any time, subject to applicable law. You may terminate 
this Agreement by written notice. Termination by either party shall not 
affect your obligation  to repay any balance on  your account resulting from 
use of the Card as well as Interest Charges and fees incurred. We may 
change the terms of this Agreement, including the method of calculating 
the periodic rate, at any time, by written notice, subject to  applicable law. 
Use of the Card constitutes agreement and acceptance of any change in 
terms, unless applicable law requires otherwise. Our failure to exercise 
any of our rights or to take any action shall not constitute a waiver of 
those rights, or an ame ndment or change in any of the terms of this 
Agreement.   
Late or Partial Payments.  Any payment that delays the reduction of your 
balance will increase your total interest costs. Partial payments or 
prepayments will not delay your next scheduled payment - you will still 
need to make the minimum scheduled payment by the next scheduled 
due date to keep your account current. We may accept late payments, 
partial payments, checks or money orders marked "payment in full" and 
such action shall not constitute final  settlement of your account or a 
waiver or forgiveness of any amounts owing under this Agreement.  
Enforcement.  We do not lose our rights under this or any related 
agreement if we delay enforcing them. If any provision of this or any 
related agreement is d etermined to be unenforceable or invalid, all other 
provisions remain in full force and effect.  
Returns and Adjustments.  Merchants and others who honor the Card 
may give credit for returns or adjustments, and they will do so by 
submitting a credit slip wh ich will be posted to your account. If your credits 
and payments exceed what you owe us, the amount will be applied 
against future purchases and cash advances. If the credit balance amount 
is $1 or more, it will be refunded upon your written or verbal requ est.  
Plan Merchant Disputes.  We are not responsible for the refusal of any 
plan merchant or financial institution to honor your Card. Also, we are not 
responsible for goods or services that you purchase with the Card unless: 
(a) your purchase was made in response to an advertisement we sent or 
participated in sending you; or (b) your purchase cost more than $50 and 
was made from a plan merchant in your state or within 100 miles of your 
home; and only if you have made a good faith attempt, but have been 
unable to obtain satisfaction from the plan merchant. You must resolve all 
other disputes directly with the plan merchant. We do not warrant any 
merchandise or services purchased by you with the Card.  
Statements and Notices.  Statements and notices will be ma iled to you at 
the most recent postal address or e -mail address (if you have elected to 
receive such documents via electronic means) you have given us. Notice 
sent to any one of you will be considered notice to all.  
Notification of Address Change. You  will notify us promptly if you 
change your address for any reason. In order to prevent identity theft, 
your identity may need to be verified before we act upon the notification.  
Copy Received.  You acknowledge that you have received a copy of this 
Agreement.   
Governing Law.  This Agreement shall be construed under federal law 
and state law in the state in which we are primarily located, and the venue 
shall be located in the county and state in w hich we are primarily located.  
Operating regulations of Visa  may also apply. This Agreement is the 
contract that applies to all transactions even though the sales, cash 
advance, convenience check, credit or other slips you sign or receive may 
contain diffe rent terms . 
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.  
9011 LASER WORD FI18422 Rev 4-2022 COPYRIGHT 2006  Securian Financial Group, Inc. All rights reserved . 
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 IMPORTANT DISC LOSURES FOR ACTIVE MEMBERS OF THE  MILITARY AND THEIR DEPENDENTS : 
The following applies if at the time this loan is made you are an active member of the military or a dependent (as those term s are defined in the 
Military Lending Act (MLA), 10 U.S.C. 987 and its implementing regulations (�MLA�) ), and (a) your loan is unsecured or secured by personal property 
or a vehicle that you did not purchase with the proceeds of the loan; or (b) it is otherwise determined by law that the MLA a pplies to your loan. If this 
loan is a revolving line of credit or credit card, the MLA ceases to apply at any time during which you are not a member of t he military or a depe ndent 
(as defined in the MLA) . 
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 an nual percentage 
rate of 36 percent. This rate must include, as appl icable 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 char ged (other than certain 
applicatio n fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fe es for a credit 
card account). To receive this notice verbally, please call 1-800-254-1803  during our normal business hours . 
2. This l oan will not be secured by a consensual lien on shares or deposits in any of your accounts unless you agree to establish an a ccount 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 contained in your loan or account documents will not apply to the Secured Account or your other s hare or deposit 
accounts for any loan subject to the Military Lending Act.  
However, we reserve our stat utory lien rights and 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 loan.  
3. Any referen ce in this consumer credit contract to the following are hereby inapplicable to your loan: (a) Mandatory arbitration; (b) Any  
requirement(s) to waive your rights to legal recourse under any applicable state or federal law; (c) Any demands or requireme nts c onstrued as 
unreasonable notice from you in order to exercise your legal rights; or (d) Prepayment penalties.  
4. Any provisions in your consumer credit contract, loan, security, or account agreements that are determined to be inconsistent  with or contradictor y 
to these disclosures or the MLA (as they may be changed or amended from time to time) are inapplicable with regard to this lo an. However, all 
other terms and conditions of the consumer credit contract shall remain in full force and effect.  
5.   
BILLING RIGHTS NOTICE  
 
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 the 
address(es) listed on your statement.  
In your letter, give us the following information:  
1. Your name and account number.  
2. The dollar amount of the suspected err or. 
3. 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 i s 
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 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 err or. 
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 questio n, 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 canno t 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 at the address(es) listed on your 
statement.  
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.