IMPORTANT DISCLOSURE INFORMATION - UNITY ONE CREDIT UNION VISA® GOLD CREDIT CARD

7.9Visa.jpg

8.9Visa.jpg

9.9Visa.jpg

11.9Visa.jpg

13.9Visa.jpg

15.9Visa.jpg

Starter17.9Visa.jpg

How we will Calculate Your Balance. We will use a method called “average daily balance” (including new purchases). We may charge the rates, fees, and terms of your card agreement from time to time as permitted by law. We will give you advance notice of the changes and a right to opt out to the extent required by law.

Billing Rights. Information on your rights to dispute transactions and how to exercise  those rights is provided in your Account Agreement.How we will Calculate Your Balance. We will use a method called “average daily balance” (including new purchases). We may charge the rates, fees, and terms of your card agreement from time to time as permitted by law. We will give you advance notice of the changes and a right to opt out to the extent required by law.

Effective Date. The information  about the cost of the card described in this application  is accurate as of March 23, 2011.  This information  many have changed  after that date. To find out what may have changed, contact the Credit Union by calling (800) 628-5517.

NOTICE: READ AND RETAIN THIS VISA CARD AGREEMENT AND DISCLOSURE FOR FUTURE REFERENCE. New York Residents: We may obtain your credit report in connection with this extension of credit and subsequently for updates, collection or other legitimate purposes associated with extension of the credit. Ohio Residents: Ohio anti-discrimination laws require creditors to make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on individuals upon request. The Ohio Civil Rights Commission administers compliance  with this law. Vermont Residents: By responding to this offer of credit, you consent to our obtaining your credit report in connection with this extension of credit, and subsequent credit reports for the purpose of reviewing the account, increasing the credit line, taking collection action or other legitimate purposes associated with your account. Married Wisconsin Residents: No provision of any marital property agreement, unilateral statement, or court order applying to marital property will adversely affect the Credit Union’s interest unless prior to the time

credit is granted, the Credit Union is furnished with a copy of the agreement, statement of court order, or has actual knowledge  of the provision.

*Rates quoted as APR, Annual Percentage Rate. Your precise rate will depend on your credit worthiness. You must qualify for the lowest rate. Contact the Credit Union for the current rate you qualify for.

**Penalty Rate: If you are thirty (30) or more days delinquent in making payments three times in a twelve (12) month period, the APR on your account will increase to the penalty rate of 18%. The Penalty APR will apply until you make six (6) consecutive minimum payments when due.

NON-SUFFICIENT FUNDS  FEE: A Non-Sufficient Funds fee of $25 will be charged to your account for any check returned unpaid. We will charge you this fee the first time any payments returned unpaid, even if paid upon resubmission.

LOST/STOLEN CARDS: if you notify us verbally by calling (800) 325-3678  or in writing at VISA Customer Service - Credit Card Security Dept., PO Box 30495, Tampa, FL, 33630, within two (2) business days of a loss, theft, or possible unauthorized  use of your card, you will not be liable for any unauthorized purchases.

TRAVEL ACCIDENT INSURANCE: Travel Accident  Insurance of up to $500,000 for Gold and up to $250,000 for Classic. Starter and Savings Secured available  only charges for a common carrier tickets are made to a Unity One VISA Credit Card.