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happen:
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terest
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purchased
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card,
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good
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ing all
owed
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this
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all amounts
amounts
owed
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means
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also contact
on the Web: www.westerracu.com Purchases
Westerra
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individually.
Any
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and the
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3700
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are
with
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goods
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that
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In your
letter,
give
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youdissatisfied
are dissatisfied
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or
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that
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individually
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the entire
owed
purchase.
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right,
all
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true:
repay the entire
amount
owedamount
under this
Agreement. Denver,CO
CO80209
80209
of
you.
Denver,
have
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withwith
your
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card,
and
you
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youhave
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under
thisofAgreement.
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ofother(s)
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to make the
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you
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The
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must
have
been
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in
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home
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on
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Web:
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faith to correct the problem with the merchant, youstate
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of
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you
think
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error
on
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purchase.
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use
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all
of
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following
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be
true:
In
your
letter,
give
us
the
following
information:
and
the
purchase
price
must
have
been
more
than
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termination
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as to
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purchase. To use this right, all of the following must be true:
even
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20. EFFECT
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The
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>
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based
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or
20. EFFECT OF AGREEMENT — This Agreement is the
or within
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contract
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or
within
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current
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address,
21. contract
NO WAIVER
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>
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think
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error
> Within 60 days after the error appeared on your stateif we own the company that sold you the goods or
which applies to all transactions on your account
the
purchase
price
must
have
been
more
than
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(Note:
>
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of
problem:
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you
think
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error
on
account
even
though
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cash without
advances,
credit
and
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purchase
price
must
have
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of
its
rights
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on your
bill, describe what you believe is wrong and
ment.
services.)
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or other
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used
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credit card for
the purchase.
22.STATEMENTS
NOTICES
— Statements
and notices
terms.
believe
it
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a
mistake.
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must
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us:
based
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to mailed
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Purchases
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At
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days
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any of
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You must
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with athe
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all
What
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amount
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23.
SEVERABILITY
AND
FINAL
EXPRESSION
—
This
evidence
of
any
alleged
oral
agreement.
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any
part
errors and you may have to pay the amount in question.
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of the
criteria contact
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When
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must
do
two
things:
1.
Within
30
days
of
receiving
your
letter,
we
must
tell
evidence
of
any
alleged
oral
agreement.
Should
any
part
by evidence
ofextent
any alleged
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agreement.
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we an
investigate,
the
same
rules
to the
disputed
amount and
you
do not
pay,apply
we may
report
you as
the fullest
possible
this Agreement.
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you1.that
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orthe
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beinvalid
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discussed
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explain
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bill
24.
COPY
RECEIVED
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acknowledge
that
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have
if we have
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corrected
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error.
discussed
above. After
we finish
investigation,
that we
received
your letter.
will also tell you if we tion, amount
or unenforceable,
all all
other
parts
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and invalid
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parts
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we will as
tell
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our decision.
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SPECIAL
RULE
CREDITAtCARD
PURCHASES
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If you
a copy
this Agreement
and
Disclosure.
and received
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shall of
remain
ineffect
effect and
and
fully
enforce
we will
tell
you our
decision.
that
point,
if we report
think
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90 already
days ofcorrected
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your
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Disclosure
shall
remain
in
fully
enforceable
to 2. Within
you owe
an
amount
and
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do not
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problem
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of
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or
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While
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able
to the
fullest
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owe
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fullest
extent
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under
thisthis
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either
correct
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or explain
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we believe
the
2. Within
90the
days
ofwhether
receiving
your
letter,
we
must
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25. the
GAMBLING
TRANSACTIONS
PROHIBITED
— You may as delinquent.
you
purchased with a credit card and you have tried in good
error:
delinquent.
correct
the
error
or
explain
why
we
believe
the
bill
was
bill
was
correct.
not
use
your
card
to
initiate
any
type
of
gambling
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RECEIVED
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have
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faith RULE
to correct
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may have
FORthe
CREDIT
CARD
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> We
cannot try to collect the amount in question, or reportSPECIAL
correct.
tion.
received
a copy
of this
Agreement
andand
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PURCHASES
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If you
received
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of this
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While weyou
investigate
whether
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there has been an error:
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right not
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remaining
amount
due
on the
haveSPECIAL
a problem
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of
property
or
services
that
as delinquent
on or
that
amount.
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problem
with
the
quality
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property
or
services
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While
we investigate
whether
or notinthere
has been
an you purchased
26.
RATE
DISCLOSURES
— If applicable
to your
or services.with
Therea are
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(2) limitations
on this
right:
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the
amount
question,
or
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TRANSACTIONS
PROHIBITED
— You
credit
and
you
have
tried
in
good
25. PENALTY
GAMBLING
TRANSACTIONS
PROHIBITED
—may
You
may > We
> The charge in question may remain on your statement,
you
purchased
withmade
a credit
card
and you
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tried instate
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error:
account,
all
rates
for
yourany
account,
including
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report
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delinquent
on
that
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card
to initiate
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faith to correct the problem with the merchant, you may
and we may continue to charge you interest on that
tonot
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cannot
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within
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tion.purchases, cash advances, and balance transfers, will > The
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due due
on the
increase to the Penalty Rate shown on the Disclosure ac-
you
as
delinquent
on
that
amount.
ment,
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on youproperty
current
mailing
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or
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While
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26. PENALTY
RATE
DISCLOSURES
—
If
applicable
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26. companying
PENALTY RATE
DISCLOSURES
If applicable
or services. There are two (2) limitations on this right:
this Agreement
when—you
meet one to
or your
more
> The
charge in question
remainofon
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that
amount.
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for your
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including
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rates
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responsible
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balance.
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rate > While
> You must have made the purchase in your home state or,
and
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may
continue
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charge
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that
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do
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for purchases,
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will increase
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to the
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PenaltyRate
Rate shown
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or,
if current
not
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within 100for
miles
of
chant,
or within
if we
mailed
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advertisement
the property
notice requirements.
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Disclosure
for
mailing
address;
and
>
While
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do
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pay
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amount
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Disclosure
accompanying
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balance.
your
current mailing address; and
companying
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when
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or>services.
information
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Penalty
The purchase price must have been more than $50.00.
meetadditional
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set
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the rate > We can
are responsible
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balance.
apply any unpaid
against
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ofone
the or
conditions
forth in the
Disclosure.
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rate
increases
applied
to
your
account
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limit.
These
limitations
do not
apply
if we
own
operatethe
the merincreases applied to your account are subject to applicable
These
limitations
do not
apply
if we
own
oror
operate
are subject to applicable notice requirements. Please
chant, or
or if
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forfor
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refer information
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merchant,
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mailedyou
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theadvertisement
advertisement
refernotice
to therequirements.
Disclosure forPlease
additional
or services.
additional
regarding the Penalty Rate.
regarding
the information
Penalty Rate.
property or services
WESTERRA CREDIT UNION
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.
3700 East Alameda Avenue Denver, CO 80209
303-321-4209 • 800-858-7212
WESTERRA
CREDIT UNION
UNION
Fax:
866-208-1597 CREDIT
WESTERRA
3700 East Alameda Avenue Denver, CO 80209
www.westerracu.com
3700
East Alameda
Avenue Denver, CO 80209
303-321-4209
• 800-858-7212
303-321-4209
• 800-858-7212
Fax: 866-208-1597
LOANLINER
Fax:
866-208-1597
www.westerracu.com
www.westerracu.com
LOANLINER
VISA CLASSIC AND VISA PLATINUM
CONSUMER CREDIT CARD AGREEMENT
VISA
CLASSIC
AND
PLATINUM
VISA
CLASSIC“Agreement”
AND VISA
VISAmeans
PLATINUM
In
this Agreement,
this Consumer Credit
CONSUMER
CARD
AGREEMENT
AGREEMENT
Card Agreement. CREDIT
“Disclosure”
means
the Credit Card Ac-
WESTERRA
CREDIT
UNION
Westerra
Credit
Union
37003700
EastEast
Alameda
Avenue
• Denver,
COCO
80209
Alameda
Avenue
• Denver,
80209
303-321-4209
• 800-858-7212
• Fax:
866-208-1597
303-321-4209
• 800-858-7212
• Fax:
866-208-1597
www.westerracu.com
WESTERRA
CREDIT UNION
www.westerracu.com
3700 East Alameda Avenue • Denver, CO 80209
I003206
7/1/2010
303-321-4209 • 800-858-7212 • Fax: 8608-1597
I003206
11/2010
www.westerracu.com
count Opening Disclosure. The Account Opening Disclosure
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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 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 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. Any rate change
will be made pursuant to applicable 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. Finance charge begins to
accrue on those purchases from the first day of the
next billing cycle, unless 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 pur
chases, 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 get
the average daily balance of purchases, we take the
beginning outstanding balance of purchases each
day and subtract any payments and/or credits that
we apply to the purchase balance. (We do not add in
any purchases posted during the billing cycle.) This
gives us the daily balance of purchases.Then, we add
all 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 get
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. Then, we add all 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 transac
tions is a rate selected by Visa from a range of rates
available in wholesale currency markets for the ap
plicable central processing date, which rate may vary
from the rate Visa itself receives or the government mandated rate in effect for the applicable central pro
cessing 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 multiple
currency foreign transactions, including purchases,
cash advances and credits to your account. A fee
(finance charge), calculated in U.S. dollars, will be
imposed on all single currency 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. Card Replacement Fee. If your account is subject
to the Card Replacement Fee, a fee will be added to
your account for each replacement card that is is
sued to you for any reason.
b. Cash Advance Fee (Finance Charge). If your
account is subject to a Cash Advance Fee (finance
charge), the fee will be added to your account when
you obtain a cash advance from an ATM, the Credit
Union or other financial institution.
c. 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.
d. Late Payment Fee. If your account is subject to a
Late Payment Fee, the fee will be added to your account when you do not make the required minimum
payment by or within the number of days of the statement Payment Due Date set forth on the Disclosure
accompanying this Agreement.
e. 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 to you for any
reason.
f. 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.
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). For our Visa
Classic, the minimum payment is 2.00% of your total
new balance, or $25.00, 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. For our Visa Platinum, the minimum
payment is 2.00% of your total new balance, or $25.00,
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. In addition to
the minimum payment, you must also pay, by the date
specified above, the amount of any prior minimum
payment(s) that you have not made, all outstanding
unpaid fees and charges, 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 your credit limit.
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. 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.
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 3700 East Alameda
Avenue, Denver, CO 80209 or telephone (303) 321-4209
seven (7) days a week, 24 hours a day or (800) 858-7212
seven (7) days a week, 24 hours a day, of the loss,
theft, or unauthorized use of your credit card. You may
be liable for the unauthorized use of your credit card.
You will not be liable for unauthorized use that occurs
after you notify us of the loss, theft, or possible unauthorized use. You will have no liability for unauthorized
purchases made with your credit card, unless you are
grossly negligent in the handling of your card. In any
case, your liability will not exceed $50.00.
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. 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. 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. 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 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