approval,  use  the  credit  card  Account  up  to  its  credit  limit; 
2) may be liable for amounts extended under the plan to any 
joint  applicant.  As  required  by  law,  You  are  hereby  notified 
that a negative credit report reflecting on Your credit record 
may be submitted to a credit reporting agency if You fail to 
fulfill the terms of Your credit obligations. 
25. FLORIDA  RESIDENTS  —  You  (borrower)  agree  that, 
should We obtain a judgment against You, a portion of Your 
disposable earnings may be attached or garnished (paid to 
Us by Your employer), as provided by Florida and Federal 
law.
26. MARYLAND  RESIDENTS  —  To  the  extent,  if  any,  that 
Maryland law applies to Your Account, We elect to offer Your 
Card Account pursuant to Title 12, Subtitle 9 of the Maryland 
Commercial Law Article.
27. MISSOURI  RESIDENTS  —  Oral  Agreements  or 
commitments  to  loan  money,  extend  credit  or  to  forbear 
from enforcing repayment of a debt including promises to 
extend or renew such debt are not enforceable. To protect 
You (borrower(s)) and Us (creditor) from misunderstanding 
or  disappointment,  any  Agreements  We  reach  covering 
such  matters  are  contained  in  this  writing,  which  is 
the  complete  and  exclusive  statement  of  the  Agreement 
between  Us,  except  as  We  may  later  agree  in  writing  to 
modify it. 
28. NEW YORK RESIDENTS — We may obtain a credit report 
in  connection  with  this  Account,  including  for  any  review, 
modification,  renewal  or  collections  associated  with  this 
Account.  Upon  Your  request,  You  will  be  informed  whether 
such report was requested and, if so, the name and address 
of  the  consumer  reporting  agency  furnishing  the  report. 
New York residents may contact the New York State Banking 
Department  at  800.342.3736  or  www.dfs.ny.gov  to  obtain 
a  comparative  listing  of  credit  card  rates,  fees  and  grace 
periods. 
29. OHIO RESIDENTS — The Ohio laws against discrimination 
require  that  all  creditors  make  credit  equally  available  to  all 
creditworthy  customers  and  that  credit  reporting  agencies 
maintain  separate  credit  histories  on  each  individual  upon 
request.  The  Ohio  Civil  Rights  Commission  administers 
compliance with this law.
30. SOUTH DAKOTA RESIDENTS — If You believe there have 
been any improprieties in making this loan or in the lender’s 
loan practices, You may contact the South Dakota Division of 
Banking at 1601 N. Harrison Ave, Suite 1, Pierre, SD 57501, 
or by phone at 605.773.3421.
31. WISCONSIN  RESIDENTS  —  If  You  are  married,  please 
contact  Us  immediately  upon  receipt  of  this  Agreement  at 
the address or phone number listed on this Agreement and 
provide Us with the name and address of Your spouse. We 

are required to inform Your spouse that We have opened an 
Account for You.
32. 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. As required 
by law, You are hereby notified that a negative credit report 
reflecting on Your credit record may be submitted to a credit 
reporting agency if You fail to fulfill the terms of Your credit 
obligations.
33. 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 the address listed on Your statement.
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  three  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.
 Within  90  days  of  receiving  Your  letter,  We  must  either 
correct the error or explain to You why We believe the bill 
is correct. 

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.
    You must not yet have fully paid for the purchase.

3. 
If all of the criteria above are met and You are still dissatisfied 
with the purchase, contact Us in writing or electronically at 
the address 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.

While We investigate whether or not there has been an error:
 -  We  cannot  try  to  collect  the  amount  in  question,  or 

2. 

report You as delinquent on that amount.

 -  The charge in question may remain on Your statement, 
and We may continue to charge You interest on that 
amount.

 -  While You do not have to pay the amount in question, 
You  are  responsible  for  the  remainder  of  Your 
balance.

 -  We can apply any unpaid amount against Your credit 

limit. 

 - 

After  We  finish  Our  investigation,  one  of  two  things  will 
happen:
 - 

If  We  made  a  mistake:  You  will  not  have  to  pay 
the amount in question or any interest or other fees 
related to that amount.
If  We  do  not  believe  there  was  a  mistake:  You 
will  have  to  pay  the  amount  in  question,  along 
with  applicable  interest  and  fees.  We  will  send  You 
a  statement  of  the  amount  You  owe  and  the  date 
payment is due. We may then report You as delinquent 
if You do not pay the amount We think You owe. 
If  You  receive  Our  explanation  but  still  believe  Your  bill 
is  wrong,  You  must  write  to  Us  within  10  days  telling  Us 
that You still refuse to pay. If You do so, We cannot report 
You  as  delinquent  without  also  reporting  that  You  are 
questioning Your bill. We must tell You the name of anyone 
to  whom  We  reported  You  as  delinquent,  and  We  must  let 
those organizations know when the matter has been 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.)

Page 8

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Page 9

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Page 10

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Page 11

© CUNA Mutual Group 1991, 2006, 09,  
10, 12, 14, 16 All Rights Reserved

01500020-
MXC322-C-2-
111717

M-123477

P.O. Box 47528  |    Wichita KS 67201
316.265.3272  |    1.800.256.8049

CONSUMER CREDIT 
CARD AGREEMENT 
AND DISCLOSURE

Signature

VISA SIGNATURE
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  col-
lectively  referred  to  as  “Agreement”)  govern  the  terms  and 
conditions of this Account. “We,” “Us,” “Our” and “Ours” and 
“Credit Union” refers to Credit Union of America 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 autho-
rize to use, access or service the Account. “Card” means the 
Visa® credit card and any other access devices, duplicates, 
renewals,  or  substitutions,  the  Credit  Union  issues  to  You. 
“Account” means the line of credit established by this Agree-
ment and includes Your Card.

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.
If  You  give  the  Credit  Union  a  specific  pledge  of  shares 
by  signing  a  separate  pledge  of  shares,  Your  pledged 
shares will secure Your Account. You may not withdraw 
amounts  that  have  been  specifically  pledged  to  secure 
Your Account until the Credit Union agrees to release all 
or part of the pledged amount.
You grant Us a security interest in all individual and joint 
share and/or deposit accounts You have with Us now and 
in the future to secure Your credit card Account. Shares 
and  deposits  in  an  IRA  or  any  other  account  that  would 
lose  special  tax  treatment  under  state  or  federal  law  if 
given as security are not subject to the security interest 
You  have  given  in  Your  shares  and  deposits.  You  may 
withdraw  these  other  shares  unless  You  are  in  default. 
When  You  are  in  default,  You  authorize  Us  to  apply  the 

Page 1

(continued)

PP Creation Date CU Contract No. CU Name Sales Order No. Stock No. Flat Size Finish Size Initials12/19/17 015-0002-0 Credit Union of America 91990 MXC322_MH_HR 21 x 8.5 3.5 x 8.5 mazbalance  in  these  accounts  to  any  amounts  due.  For 
example, if You have an unpaid credit card balance, You 
agree We may use funds in Your account(s) to pay any or 
all of the unpaid balance. You acknowledge and agree 
that  Your  pledge  does  not  apply  during  any  periods 
when  You  are  a  covered  borrower  under  the  Military 
Lending  Act.  For  clarity,  You  will  not  be  deemed  a 
covered borrower, and Your pledge will apply, if: (i) You 
established Your credit card Account when You were not 
a  covered  borrower;  or  (ii)  You  cease  to  be  a  covered 
borrower. 
Unless  otherwise  prohibited  by  federal  and/or  state  law, 
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.

1.  USING  YOUR  ACCOUNT  —  By  using  the  Account  or 
keeping the Card, You agree to the terms of this Agreement. 
You  agree  to  use  Your  Account  in  accordance  with  this 
Agreement.  Your  Account  must  only  be  used  for  lawful 
transactions.
2.  CREDIT LIMIT — We may establish a credit limit as part 
of this Agreement, which You promise not to exceed. If You 
exceed the credit limit, You promise to repay immediately the 
amount  which  exceeds  the  credit  limit,  including  amounts 
due  to  finance  charges,  fees  or  other  charges.  You  may 
request  a  credit  limit  increase  on  Your  Account  only  by  a 
method acceptable to the Credit Union. We may increase or 
decrease Your credit limit, refuse to make an advance and/or 
terminate Your Account at any time for any reason permitted 
by law.
3.  REPAYMENT  —  You  promise  to  repay  all  amounts  You 
owe  under  this  Agreement.  Your  promise  to  repay  includes 
all transactions made to Your Account by You or anyone You 
authorize to use Your Account as well as all interest charges 
and fees.
For each billing period, You must pay at least the Minimum 
Payment Due by the Payment Due Date.
The  Minimum  Payment  Due  is  2.50%  of  Your  total  New 
Balance,  or  $25.00,  whichever  is  greater,  plus  any  amount 
past due and any amount by which You have exceeded Your 
applicable credit limit. If Your total New Balance is less than 
$25.00, then Your Minimum Payment Due is the amount of 
the total New Balance. 
You may pay more frequently, pay more than the Minimum 
Payment Due 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 Due each month Your 
Account  has  a  balance  (other  than  a  credit  balance).  The 

Credit Union may delay replenishing Your credit limit until the 
date the payment is posted or the Credit Union confirms the 
payment has cleared. 
Your payment of the required Minimum Payment Due may be 
applied to what You owe the Credit Union in any manner the 
Credit Union chooses, as permitted by applicable law. If You 
make a payment in excess of the required Minimum Payment 
Due,  the  Credit  Union  will  allocate  the  excess  amount  first 
to  the  balance  with  the  highest  annual  percentage  rate 
(“APR”) and any remaining portion to the other balances in 
descending order based on applicable APR, unless otherwise 
prescribed by applicable law. We may accept checks marked 
“payment  in  full”  or  with  words  of  similar  effect  without 
losing  any  of  Our  rights  to  collect  the  full  balance  of  Your 
Account with Us. 
4.  INTEREST  AND  FINANCE  CHARGES  —  We  will  begin 
charging  You  interest  on  purchases  and  balance  transfers 
on  the  date  the  transaction  is  posted  to  Your  Account.  We 
will  begin  charging  You  interest  on  cash  advances  on  the 
date of the transaction or the first day of the billing cycle in 
which the transaction is posted to Your Account, whichever 
is later (transaction date). However, We will not charge You 
any  interest  on  new  purchases  or  balance  transfers  if  Your 
Account  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. To avoid an additional finance charge on the 
balance of purchases or balance transfers, You must pay the 
entire new balance on the billing statement by the Payment 
Due Date of that statement.
How We Calculate Your Balance:
Interest charges on Your Account are calculated separately for 
purchases, balance transfers and cash advances (“Transaction 
Type”).  We  figure  the  interest  charge  for  each  Transaction 
Type  by  applying  the  periodic  rate  to  each  corresponding 
“average  daily  balance.”  To  get  the  “average  daily  balance” 
for  a  Transaction  Type  We  take  the  beginning  balance  for 
that Transaction Type each day, add any new transactions of 
that  type,  and  subtract  any  unpaid  interest  or  other  finance 
charges  and  any  applicable  payments  or  credits.  This  gives 
Us  the  daily  balance  for  each  Transaction  Type.  Then,  for 
each Transaction Type, We add up all the daily balances for 
the billing cycle and divide each total by the number of days 
in the billing cycle. This gives Us the “average daily balance” 
for each Transaction Type.
5.  FEES — In addition to the periodic rate, additional fees may 
be imposed on Your Account. If applicable to Your Account, the 
fee  amounts  and  explanations  are  disclosed  on  the  Account 
Opening Disclosure accompanying this Agreement. 
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 

SERVICE 

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.
7.  AUTHORIZATIONS — We do not guarantee authorization 
of a transaction, either by Us or by a third party, even if You 
have  sufficient  credit  available.  You  agree  that  We  will  not 
be liable for failing to give an authorization. We also reserve 
the  right  to  limit  the  number  of  transactions  that  may  be 
approved  in  one  day.  We  reserve  the  right  to  deny  certain 
transactions  for  any  reason  and  at  Our  sole  discretion, 
including  for  default,  suspected  fraudulent  or  unlawful 
activity, internet gambling or any indication of increased risk 
related to the transaction or the Account. You agree that We 
have no requirement to notify You of the specific reason We 
denied  a  transaction.  If  We  detect  unusual  or  suspicious 
activity, We may suspend Your credit privileges until We can 
verify the activity, or We may close the Account.
8.  INFORMATION 
AND 
UPDATING 
AUTHORIZATIONS  —  If  You  have  authorized  a  merchant 
to bill charges to Your Card on a recurring basis, it is Your 
responsibility  to  notify  the  merchant  in  the  event  Your 
Card  is  replaced,  Your  Account  information  (such  as  Card 
number  or  expiration  date)  changes,  or  Your  Account  is 
closed.  However,  if  Your  Card  is  replaced  or  Your  Account 
information  changes,  You  authorize  Us,  without  obligation 
on  Our  part,  to  provide  the  updated  Account  information 
to  the  merchant  in  order  to  permit  the  merchant  to  bill 
recurring  charges  to  Your  Card.  You  authorize  Us  to  apply 
such recurring charges to Your Card until You notify Us that 
You have revoked authorization for the charges to Your Card. 
Your  Card  is  automatically  enrolled  in  an  information 
updating service. Through this service, Your updated Account 
information  (such  as  Card  number  or  expiration  date)  may 
be shared with participating merchants to facilitate continued 
recurring charges. Updates are not guaranteed before Your 
next payment to a merchant is due. You are responsible for 
making  direct  payment  until  recurring  charges  resume.  To 
revoke  Your  authorization  allowing  Us  to  provide  updated 
Account information to a merchant, please contact Us.
9.  PREAUTHORIZED  CHARGES  —  We  may  suspend 
preauthorized  recurring  charges  with  merchants  if,  for 
example,  Your  Card  is  lost  or  stolen,  You  default,  or  We 
change  Your  Account  for  any  reason.  If  preauthorized 
recurring  charges  are  suspended,  You  are  responsible  for 
making  direct  payment  for  such  charges  until  You  contact 
the merchant to reinstate recurring charges.  

10. DEFAULT — You will be in default under this Agreement 
if You fail to pay the Minimum Payment Due by its Payment 
Due  Date;  pay  by  a  check  or  similar  instrument  that  is 
not  honored  or  that  We  must  return  because  it  cannot  be 
processed;  pay  by  automatic  debit  that  is  returned  unpaid; 
make  any  false  or  misleading  statements  in  any  credit 
application or credit update; file for bankruptcy; or die. You 
will also be in default if You fail to comply with the terms of 
this Agreement or any other Agreement You have with Us. 
If  You  default,  We  may  close  Your  Account  and  require 
You  to  pay  any  unpaid  balance  immediately,  subject  to 
applicable  law.  In  this  Agreement  and  on  Your  Credit  Card 
Application, You gave Us a security interest in all individual 
or joint share and/or deposit accounts with the Credit Union 
and authorized Us, if You defaulted, to apply the balance in 
these accounts to any amounts due. You agree We may rely 
on Your agreement and authorization to, upon Your default, 
apply any balance to any amounts due on Your Account. 
11. LIABILITY  FOR  UNAUTHORIZED  USE-LOST/STOLEN 
CARD  NOTIFICATION  —  If  You  notice  the  loss  or  theft  of 
Your  credit  card  or  a  possible  unauthorized  use  of  Your 
Card,  You  should  write  to  Us  immediately  at  Credit  Union 
of  America  -  Cardholder  Services,  PO  Box  31112,  Tampa, 
FL, 33631 or call Us toll-free at 866-820-5887, seven days 
a week and weekends 24 hours a day. You may also contact 
Us on the Web: www.cuofamerica.com.
You will not be liable for any unauthorized use that occurs 
after  You  notify  Us.  You  may,  however,  be  liable  for 
unauthorized use that occurs before Your notice to Us. You 
will  have  no  liability  for  unauthorized  use  unless  You  are 
found to be fraudulent or negligent in the handling of Your 
Account or Card. In any case, Your liability for unauthorized 
transactions will not exceed $50.
12. 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.  To  the  extent  permitted  by  law,  changes  to 
the Agreement may apply to Your existing account balance 
as well as to future transactions. 
Arizona,  California,  Idaho,  Louisiana,  New  Mexico, 
Nevada,  Texas,  Washington,  and  Wisconsin  Residents  - 
Either You, Your spouse or the Credit Union may terminate 
this  Agreement  at  any  time,  but  termination  by  You,  Your 
spouse  or  the  Credit  Union  will  not  affect  Your  obligation 
to  pay  the  account  balance  plus  any  finance  and  other 
charges  You  or  Your  spouse  owe  under  this  Agreement. 
Your obligation to pay the account balance plus any finance 
and other charges You owe under this agreement are subject 
to  all  applicable  laws  and  regulations  regarding  repayment 
requirements.  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. 
Residents of all other states - 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.  Your  obligation  to  pay  the 
account balance plus any finance and other charges You owe 
under  this  agreement  are  subject  to  all  applicable  laws  and 
regulations regarding repayment requirements. 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.
13. 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 
notice  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.  Alternatively,  We  may,  at  Our  sole  discretion, 
issue You a new Account number and a new Card.
14. CREDIT  REPORTS  AND  NOTICE  OF  NEGATIVE 
INFORMATION  —  You  authorize  the  Credit  Union  to  obtain 
credit  reports  and  any  other  information  We  may  need  to 
verify Your identity and use of the Account when opening Your 
Account  and  for  any  update,  increase,  renewal,  extension, 
collection or review of Your Account. You authorize the Credit 
Union  to  disclose  information  regarding  Your  Account  to 
credit  bureaus  and  creditors  who  inquire  about  Your  credit 
standing. We may report information about Your Account to 
credit  bureaus.  Late  payments,  missed  payments,  or  other 
defaults  on  Your  Account  may  be  reflected  on  Your  credit 
report.
15. JOINT  ACCOUNTS  —  If  this  is  a  joint  Account,  each  of 
You 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 transactions on the Account 
individually. Any one of You may terminate the Account and 
the termination will be effective as to all of You.
16. 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.

17. SEVERABILITY  AND  FINAL  EXPRESSION  —  This 
Agreement is the final expression of the terms and conditions 
of  Your  Account.  This  written  Agreement  may  not  be 
contradicted  by  evidence  of  any  alleged  oral  Agreement. 
Should any part of this Agreement be found to be invalid or 
unenforceable, all other parts of this Agreement shall remain 
in  effect  and  fully  enforceable  to  the  fullest  extent  possible 
under this Agreement.
18. ILLEGAL  TRANSACTIONS  PROHIBITED  —  You  agree 
that You will not use Your Card for any transaction, including 
any  type  of  electronic  gambling  transaction  through  the 
Internet, 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. This paragraph shall not be 
interpreted as permitting or authorizing any transaction that 
is illegal.
19. APPLICABLE LAW — The terms and enforcement of this 
Agreement  shall  be  governed  by  federal  law  and  the  law  of 
Kansas.
20. ENFORCING  THIS  AGREEMENT  —  We  can  delay  in 
enforcing  or  fail  to  enforce  any  of  Our  rights  under  this 
Agreement without losing them.
21. COLLECTION  COSTS  —  If  We  refer  collection  of  Your 
Account to a lawyer who is not Our salaried employee, You 
are liable for any reasonable attorney’s fees We incur, plus the 
costs and expenses of any legal action, as further disclosed 
on this Agreement, or to the extent allowed by law.
22. ASSIGNMENT — We may assign any or all of Our rights 
and obligations under this Agreement to a third party.
23. OVERDRAFT  PRIVILEGE  —  You  agree  that  if,  pursuant 
to  any  overdraft  privilege  on  a  Credit  Union  Share  Draft 
Account, there is an overdraft of Your Share Draft Account, 
the  amount  of  overdraft  will  be  added  to  the  outstanding 
balance  on  Your  Visa  Credit  Card  Account,  subject  to  the 
finance  charge  provisions  set  forth  in  “INTEREST  AND 
FINANCE CHARGES” as described for cash advances, and will 
be subject to all terms and conditions of this Agreement. The 
Visa  Credit  Card  Account  must  be  current  and  not  over  the 
credit limit for funds to transfer to the Share Draft Account. 
Overdrafts  are  not  allowed  for  the  purpose  of  making  loan 
payments, including Visa Credit Card payments, at the Credit 
Union, ATM or in-branch teller cash withdrawals. The Share 
Draft Account referred to herein is also subject to a separate 
agreement  between  You  and  the  Credit  Union.  Where  the 
terms  of  any  other  agreement  between  You  and  the  Credit 
Union conflict with the terms of this Agreement, the terms of 
this Agreement will control.
24. CALIFORNIA  RESIDENTS  —  A  married  applicant  may 
apply for a separate Account. Applicants: 1) may, after credit 

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PP Creation Date CU Contract No. CU Name Sales Order No. Stock No. Flat Size Finish Size Initials12/19/17 015-0002-0 Credit Union of America 91990 MXC322_MH_HR 21 x 8.5 3.5 x 8.5 maz