VISA Disclosure

VISA CARD  AGREEMENT

In this Agreement the words "you" and "your" 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.

Paragraphs 9 and 11 relate exclusively to your rights and  duties under this credit card agreement. This agreement is also subject to the provision of the real estate equity line of credit open-end  agreement.

1. Using Your Account. If you are approved for an Account, the Credit Union will establish a line of credit for you and notify you of  your credit limit. You agree that your credit limit is the maximum  amount (purchases, cash advances, finance charges, plus "other charges") that you will have outstanding on your Account at any time. Each payment  you make to your Account will restore your credit limit by the amount of  the payment , unless you are over your credit limit. If you are over  your credit limit, you must pay the amount you are over before payments will begin to restore your credit limit. You may request an increase in  your credit limit only by a method acceptable to the Credit Union. The  Credit Union has the right to reduce your credit limit, refuse to make  an advance and/or terminate your Account at any time for any reason not prohibited by law.
2. Using your Card. You may use your Card to make purchases from  merchants and others who accept Visa Cards. In addition, you may obtain cash advances from the Credit Union and from other financial institutions that accept Visa Cards, and from some automated teller  machines (ATMs). (Not all ATMs accept Visa Cards) To obtain cash  advances from an ATM, you must use the Personal Identification Number (PIN) that is issued to you for use with your Card.
3. Responsibility. You agree to pay all charges (purchases and cash advances) to your Account that are made by you or anyone whom you authorize to use your Account. You also agree to pay all finance charges and other charges added to your Account under the terms of this  Agreement or another agreement you made with the Credit Union. If this  is a joint Account, Section 17 below also applies to your Account.
4. Finance Charges. You have a 25 day grace (no finance charge) period on your purchase balance and for new purchases if you paid the  Total New Balance for purchases on your last statement by the end of the  grace period.  You also have a 25 day grace period for new purchases if you did not have a purchase balance on your last statement.  The grace period starts on the statement closing date.  If you do not pay the Total New Balance for purchases by the end of the grace period, finance charge will be imposed on the unpaid  purchase balance from the first day of the next billing cycle and on new  purchases from the date they are posted to your Account.   Finance  charge is imposed on cash advances from the date they are posted to your  Account.

Separate average daily balances are calculated for purchases and cash  advances.  The finance charge for purchases is calculated by multiplying the average daily balances by a monthly periodic rate. (ANNUAL PERCENTAGE RATE)  To get each  average daily balance, the daily balances for purchases and cash  advances for the billing cycle are added and the totals are divided by the number of days in the cycle.  To get the daily balance for cash advances, new cash advances are added to the day's beginning balance and payments and credits are subtracted.  To get the daily balance for purchases, new purchases are added to the day's beginning balance and  payments and credits are subtracted; however, new purchases are not added if you paid the Total New Balance for purchases on your last statement by the end of the grace period or if you did not have a  purchase balance on your last statement.  Fees are not included in  the calculation of the average daily balance . Finance charges will  continue to accrue on your Account until what you owe under this  Agreement is paid in full.

1. Other Charges. The following other charges (fees) will be added  to your Account, as applicable:

1. Over-the-Credit-Limit Fee: You may be charged a fee of $10.00 on a statement date if your New Balance on that date, minus any fees imposed during the cycle, is over your credit limit. You will be charged the fee each subsequent month until your New Balance on the  statement date, less any fees imposed during the cycle, is BELOW your  credit limit.
2. Late Payment Fee: A late charge of $10.00 will be added to your  account if you are late in making a payment.
3. Return Check Fee: If a check or share draft used to make a payment on your account is returned unpaid, you will be charged a fee of $10.00 for each item returned.
4. Card Replacement Fee: You will be charged $5.00 for each replacement card that is issued to you for any reason.
5. Document Copy Fee: You will be charged $5.00 for each copy of a  sales draft or statement that you request (except when the request is  made in connection with a billing error made by the credit union).

1. Payments. Each month you must pay at least the minimum payment  shown on your statement by the date specified on the statement or no later than 25 days from the statement closing date, which ever is later. If your statement says the payment is "Now Due," your payment is due no  later than 25 days from the statement closing date. 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 credit balance). The minimum payment is 3% of  your Total New Balance, or $20.00, whichever is greater, plus the amount of any prior minimum payments that you have not made, and any  amount you are over your credit limit. The Credit Union also has the  right to demand immediate payment of any amount by which you are over  you credit limit.
2. 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.
3. Security Interest. If you give the Credit Union a specific pledge of shares by signing a separate pledge of shares, your Account will be secured by pledged shares. Collateral securing other loans you have with this Credit Union may also secure this loan.
4. 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 charge, 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.

1. Liability for Unauthorized Use -Lost/Stolen Card Notification. You may be liable for the unauthorized use of your Card. You will not be  liable for unauthorized use that occurs after you notify the Credit Union, orally or in writing, of the loss, theft, or possible unauthorized use. In any case, your liability will not exceed $50. You can notify the Credit Union by calling (800) 237-6211.
2. Changing or Terminating Your Account. The Credit Union may  change the terms of this Agreement from time to time. Notice of any  change will be given in accordance with applicable law. 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. The Credit Union has the right to require you to pay your full Account balance at any time after your Account is terminated, whether it is terminated by you or the Credit Union. If this is a joint Account, Section 17 of this Agreement also applies to  termination of the Account.

1. Credit 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.
2. 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 or more, it will be refunded upon your written request or automatically after six months.
3. 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.
4. Foreign Transactions. Purchases and cash advances made in foreign countries and foreign currencies will be billed to you in U.S.  dollars. The conversion rate to dollars will be determined in accordance  with the operating regulations established by Visa International. Currently the currency conversion rate used to determine the transaction  amount in U.S. dollars is generally either a government-mandated rate or  the wholesale rate in effect the day before the transaction processing  date, increased by 1%. The currency conversion 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.
5. 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 and was made in  your state or within 100 miles of your home.
6. Joint Accounts. If this is a joint Account, each person on the  Account must sign the Agreement. 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 purchases or cash advances individually.  Any one of you may terminate the Account and the termination will be  effective as to all of you.
7. 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.
8. No Waiver. The Credit Union can delay enforcing any of its rights any number of times without losing them.
9. Statements and Notices. Statements and notices will be mailed to  you at the most recent address you have given the Credit Union. Notice sent to any one of you will be considered notice to all.
10. Copy Received. You acknowledge that you have received a copy of  this Agreement.
11. Signatures. By signing in the Signature area of the application form that was attached to this Agreement when you received it, you agree to the terms of this Agreement and should retain it for your records.

YOUR BILLING RIGHTS

KEEP THIS NOTICE FOR FUTURE USE

This notice contains important information about  your rights and our responsibilities under the Fair Credit Billing  Act.

Notify Us In Case of Errors or Questions About Your Bill

If you think your bill is wrong, or if you need more information about a transaction on your bill, write us on a separate at the address listed on your bill. Write to us as soon as possible. We must hear from you no  later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so  will not preserve your rights.

In your letter, give us the following information:

• Your name and account number.
• The dollar amount of the suspected error.
• Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not  sure about.

If you have authorized us to pay your credit card bill automatically from your savings or share draft account, you can stop the payment on any  amount you think is wrong. To stop the payment your letter must reach us  three business days before the automatic payment is scheduled to occur.

Your Rights and Our Responsibilities After We Receive Your Written Notice

We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the bill was correct.

After we receive your letter, we cannot try to collect any amount you  question, or report you as delinquent. We can continue to bill you for the amount you question, including finance charges, and we can apply an unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the  parts of your bill that are not in question.

If we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount. If we didn’t make a mistake, you may have to pay finance charges, and you will have to  make up any missed payments on the questioned amount. In either case, we  will send you a statement of the amount you owe and the date that it is due.

If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you  write to us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a questions about your  bill. And, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is.

If we don’t follow these rules, we can’t collect the first $50 of the  questioned amount, even if your bill was correct.

Special Rule for Credit Card Purchases

If you have a problem with the quality of property or services that you  purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. There are two  limitations on this right:

(a) 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;
(b) The purchase price must have been more than $50.