b'balance plus any finance and other charges you owe under\nthis Agreement. Your obligation to pay the account balance\nplus any finance and other charges you owe under this\nAgreement are subject to all applicable laws and regulations\nregarding repayment requirements. The card or cards you\nreceive remain the property of SEFCU and you must recover\nand surrender to SEFCU all cards upon request or upon\ntermination of this Agreement whether by you or SEFCU.\n14. AUTHORIZED USERS \xe2\x80\x94 Upon your request, we may issue\nadditional cards for authorized users that you designate. You\nmust notify us in writing of any termination of an authorized\nuser\xe2\x80\x99s right to access your account. Your notice must include\nthe name of the authorized user and your account number\nand/or any subaccount number issued to the authorized user\nalong with the authorized user\xe2\x80\x99s card and any convenience\nchecks issued to the authorized user. If you cannot return the\nauthorized user\xe2\x80\x99s card or convenience checks and if you request\nyour account to be closed, we will close your account and you\nmay apply for a new account. Alternatively, we may, at our sole\ndiscretion, issue you a new account number and a new card.\n15. CREDIT REPORTS AND NOTICE OF NEGATIVE\nINFORMATION \xe2\x80\x94 You authorize SEFCU to obtain credit\nreports and any other information we may need to verify\nyour identity and use of the account when opening your\naccount and for any update, increase, renewal, extension,\ncollection or review of your account. You authorize SEFCU\nto disclose information regarding your account to credit\nbureaus, merchants and creditors who inquire about your\ncredit standing. We may report information about your\naccount to credit bureaus. Late payments, missed payments,\nor other defaults on your account may be reflected on your\ncredit report. If your account is eligible for emergency cash\nand/or emergency card services, and you request such\nservices, you agree that we may provide personal information\nabout you and your account that is necessary to provide you\nwith the requested services(s).\n16. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint account, each of\nyou will be individually and jointly responsible for paying\nall amounts owed under this Agreement. This means that\nSEFCU can require any one of you individually to repay the\nentire amount owed under this Agreement. Each of you\nauthorizes the other(s) to make transactions on the account\nindividually. Any one of you may terminate the account and\nthe termination will be effective as to all of you.\n17. EFFECT OF AGREEMENT \xe2\x80\x94 This Agreement is the\ncontract which applies to all transactions on your account\neven though the sales, cash advances, credit or other slips\nyou sign or receive may contain different terms.\n18. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This\nAgreement is the final expression of the terms and conditions\nof your account. This written Agreement may not be\ncontradicted by evidence of any alleged verbal Agreement.\n\nShould any part of this Agreement be found to be invalid or\nunenforceable, all other parts of this Agreement shall remain\nin effect and fully enforceable to the fullest extent possible\nunder this Agreement.\n19. ILLEGAL TRANSACTIONS PROHIBITED \xe2\x80\x94 You agree that\nyou will not use your card for any transaction, including any\ntype of electronic gambling transaction through the Internet,\nthat is illegal under applicable federal, state, or local law.\nEven if you use your card for an illegal transaction, you\nwill be responsible for all amounts and charges incurred in\nconnection with the transaction. This paragraph shall not be\ninterpreted as permitting or authorizing any transaction that\nis illegal.\n20. APPLICABLE LAW \xe2\x80\x94 The terms and enforcement of this\nAgreement shall be governed by federal law and the law of\nNew York.\n21. ENFORCING THIS AGREEMENT \xe2\x80\x94 We can delay in\nenforcing or fail to enforce any of our rights under this\nAgreement without losing them.\n22. COLLECTION COSTS \xe2\x80\x94 If we refer collection of your\naccount to a lawyer who is not our salaried employee, you\nare liable for any reasonable attorney\xe2\x80\x99s fees we incur, plus the\ncosts and expenses of any legal action, as further disclosed\non this Agreement, or to the extent allowed by law.\n23. ASSIGNMENT \xe2\x80\x94 We may assign any or all of our rights\nand obligations under this Agreement to a third party.\n24. CALIFORNIA RESIDENTS \xe2\x80\x94 A married applicant may\napply for a separate account. Applicants: 1) may, after credit\napproval, use the credit card account up to its credit limit;\n2) may be liable for amounts extended under the plan to any\njoint applicant. As required by law, you are hereby notified\nthat a negative credit report reflecting on your credit record\nmay be submitted to a credit reporting agency if you fail to\nfulfill the terms of your credit obligations.\n25. FLORIDA RESIDENTS \xe2\x80\x94 You (borrower) agree that,\nshould we obtain a judgment against you, a portion of your\ndisposable earnings may be attached or garnished (paid to us\nby your employer), as provided by Florida and Federal law.\n26. MISSOURI RESIDENTS \xe2\x80\x94 Verbal Agreements or\ncommitments to loan money, extend credit or to forbear\nfrom enforcing repayment of a debt including promises to\nextend or renew such debt are not enforceable. To protect\nyou (borrower(s)) and us (creditor) from misunderstanding\nor disappointment, any Agreements we reach covering\nsuch matters are contained in this writing, which is\nthe complete and exclusive statement of the Agreement\nbetween us, except as we may later agree in writing to\nmodify it.\n27. MARYLAND RESIDENTS \xe2\x80\x94 To the extent, if any, that\nMaryland law applies to your account, we elect to offer your\ncard account pursuant to Title 12, Subtitle 9 of the Maryland\nCommercial Law Article.\n\n28. NEW YORK RESIDENTS \xe2\x80\x94 We may obtain a credit\nreport in connection with this account, including for any\nreview, modification, renewal or collections associated\nwith this account. Upon your request, you will be informed\nwhether such report was requested and, if so, the name and\naddress of the consumer reporting agency furnishing the\nreport. New York residents may contact the New York State\nBanking Department at (800) 342-3736 or www.dfs.ny.gov\nto obtain a comparative listing of credit card rates, fees and\ngrace periods.\n29. OHIO RESIDENTS \xe2\x80\x94 The Ohio laws against discrimination\nrequire that all creditors make credit equally available to all\ncreditworthy customers and that credit reporting agencies\nmaintain separate credit histories on each individual upon\nrequest. The Ohio Civil Rights Commission administers\ncompliance with this law.\n30. SOUTH DAKOTA RESIDENTS \xe2\x80\x94 If you believe there\nhave been any improprieties in making this loan or in the\nlender\xe2\x80\x99s loan practices, you may contact the South Dakota\nDivision of Banking at 1601 N. Harrison Ave, Suite 1, Pierre,\nSD 57501, or by phone at (605) 773-3421.\n31. WISCONSIN RESIDENTS \xe2\x80\x94 If you are married, please\ncontact us immediately upon receipt of this Agreement at\nthe address or phone number listed on this Agreement and\nprovide us with the name and address of your spouse. We\nare required to inform your spouse that we have opened an\naccount for you.\n32. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written\nAgreement is a final expression of the Agreement between\nyou and SEFCU. This written Agreement may not be\ncontradicted by evidence of any verbal Agreement. As\nrequired by law, you are hereby notified that a negative credit\nreport reflecting on your credit record may be submitted to a\ncredit reporting agency if you fail to fulfill the terms of your\ncredit obligations.\n33. THE FOLLOWING IS REQUIRED BY VERMONT LAW\n\xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR\nREPAYMENT OF THIS LOAN. IF THE BORROWER DOES\nNOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT\nFROM YOU.\n\nPage 8\n\nPage 9\n\nPage 10\n\n(continued)\n\n(continued)\n\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our\nresponsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at:\nCustomer Service\nPO Box 31535\nTampa, FL 33631\n\n(continued)\n\nIn your letter, give us the following information:\n- Account information: Your name and account number.\n-\t\x07Dollar amount: The dollar amount of the suspected\nerror.\n-\t\x07Description of problem: If you think there is an error on\nyour bill, describe what you believe is wrong and why\nyou believe it is a mistake.\nYou must contact us:\n-\t\x07\nWithin 60 days after the error appeared on your\nstatement.\n-\t\x07\nAt least three business days before an automated\npayment is scheduled, if you want to stop payment on\nthe amount you think is wrong.\nYou must notify us of any potential errors in writing. You\nmay call us, but if you do we are not required to investigate\nany potential errors and you may have to pay the amount in\nquestion.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. \x07Within 30 days of receiving your letter, we must tell you\nthat we received your letter. We will also tell you if we\nhave already corrected the error.\n2. \x07Within 90 days of receiving your letter, we must either\ncorrect the error or explain to you why we believe the\nbill is correct.\nWhile we investigate whether or not there has been an error:\n-\t\x07We cannot try to collect the amount in question, or\nreport you as delinquent on that amount.\n-\t\x07The charge in question may remain on your statement,\nand we may continue to charge you interest on that\namount.\n-\t\x07While you do not have to pay the amount in question,\nyou are responsible for the remainder of your balance.\n-\t\x07We can apply any unpaid amount against your credit\nlimit.\nAfter we finish our investigation, one of two things will\nhappen:\n- \x07If we made a mistake: You will not have to pay the\namount in question or any interest or other fees related\nto that amount.\n- \x07If we do not believe there was a mistake: You will have\nto pay the amount in question, along with applicable\ninterest and fees. We will send you a statement of the\namount you owe and the date payment is due. We may\nthen report you as delinquent if you do not pay the\namount we think you owe.\nIf you receive our explanation but still believe your bill\nis wrong, you must write to us within 10 days telling us\nthat you still refuse to pay. If you do so, we cannot report\nyou as delinquent without also reporting that you are\nPage 11\n\n(continued)\n\nquestioning your bill. We must tell you the name of anyone\nto whom we reported you as delinquent, and we must let\nthose organizations know when the matter has been settled\nbetween us.\nIf we do not follow all of the rules above, you do not have to\npay the first $50 of the amount you question even if your bill\nis correct.\nYour Rights If You Are Dissatisfied With Your Credit Card\nPurchases\nIf you are dissatisfied with the goods or services that you\nhave purchased with your credit card, and you have tried\nin good faith to correct the problem with the merchant, you\nmay have the right not to pay the remaining amount due on\nthe purchase.\nTo use this right, all of the following must be true:\n1. \x07The purchase must have been made in your home state\nor within 100 miles of your current mailing address,\nand the purchase price must have been more than $50.\n(Note: Neither of these are necessary if your purchase\nwas based on an advertisement we mailed to you, or\nif we own the company that sold you the goods or\nservices.)\n2. \x07You must have used your credit card for the purchase.\nPurchases made with cash advances from an ATM or\nwith a check that accesses your credit card account do\nnot qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied\nwith the purchase, contact us in writing at:\nCustomer Service\nPO Box 31535\nTampa, FL 33631\nWhile we investigate, the same rules apply to the disputed\namount as discussed above. After we finish our investigation,\nwe will tell you our decision. At that point, if we think you\nowe an amount and you do not pay, we may report you as\ndelinquent.\n\n\xc2\xa9 CUNA Mutual Group 1991, 2006, 09,\n10, 12, 14, 16 All Rights Reserved\n\nPatroon Creek Corporate Center\n700 Patroon Creek Blvd.\nAlbany, NY 12206-1067\n800-727-3328\nwww.sefcu.com\n\nCONSUMER CREDIT\nCARD AGREEMENT\nAND DISCLOSURE\nThis Consumer Credit Card Agreement and Disclosure\ntogether with the Account Opening Disclosure and any other\naccount opening documents or any subsequent documents\nprovided to you related to this account (hereinafter collectively\nreferred to as \xe2\x80\x9cAgreement\xe2\x80\x9d) govern the terms and conditions\nof this Account. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d \xe2\x80\x9cour\xe2\x80\x9d and \xe2\x80\x9cours\xe2\x80\x9d and \xe2\x80\x9ccredit\nunion\xe2\x80\x9d refers to SEFCU with which this Agreement is made.\n\xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cyour,\xe2\x80\x9d and \xe2\x80\x9cyours\xe2\x80\x9d refers to each applicant and\nco-applicant for the account; any person responsible for\npaying the account; and anyone you authorize to use, access\nor service the account. \xe2\x80\x9cCard\xe2\x80\x9d means the Mastercard credit\ncard and any other access devices, duplicates, renewals, or\nsubstitutions, including convenience checks, SEFCU issues\nto you. \xe2\x80\x9cAccount\xe2\x80\x9d means the line of credit established by this\nAgreement and includes your card.\nSECURITY INTEREST\nYou grant SEFCU a security interest under the Uniform\nCommercial Code and under any common law rights SEFCU\nmay have in any goods you purchase.\nIf you give SEFCU a specific pledge of shares by signing a\nseparate Share Pledge Agreement Mastercard Credit Card,\nyour pledged shares will secure your account. You may not\nwithdraw amounts that have been specifically pledged to\nsecure your account until SEFCU agrees to release all or\npart of the pledged amount.\nYou grant us a security interest in all individual and joint\nshare and/or deposit accounts you have with us now and\nin the future to secure your credit card account. Shares\nand deposits in an IRA or any other account that would\nlose special tax treatment under state or federal law if\ngiven as security are not subject to the security interest\nyou have given in your shares and deposits. You may\nwithdraw these other shares unless you are in default.\nWhen you are in default, you authorize us to apply the\nbalance in these accounts to any amounts due. For\nexample, if you have an unpaid credit card balance, you\nagree we may use funds in your account(s) to pay any or\n\n03100017MXC322-C-1112017\n\nI003558\n\nPage 1\n\n(continued)\n\n\x0call of the unpaid balance. You acknowledge and agree\nthat your pledge does not apply during any periods\nwhen you are a covered borrower under the Military\nLending Act. For clarity, you will not be deemed a\ncovered borrower, and your pledge will apply, if: (i) you\nestablished your credit card account when you were not\na covered borrower; or (ii) you cease to be a covered\nborrower.\nUnless otherwise prohibited by federal and/or state law,\ncollateral securing other loans you have with SEFCU may\nalso secure this loan, except that a dwelling will never be\nconsidered as security for this account, notwithstanding\nanything to the contrary in any other Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 By using the account or\nkeeping the card, you agree to the terms of this Agreement.\nYou agree to use your account in accordance with this\nAgreement. Your account must only be used for lawful\ntransactions. You may use your card to make purchases\nfrom merchants and others who accept your card. The credit\nunion is not responsible for the refusal of any merchant or\nfinancial institution to honor your card. If you wish to pay\nfor goods or services over the Internet, you may be required\nto provide card number security information before you will\nbe permitted to complete the transaction. In addition, you\nmay obtain cash advances from the credit union, from other\nfinancial institutions that accept your card, and from some\nautomated teller machines (ATMs). (Not all ATMs accept your\ncard.) Cash advances are limited to 20% of your established\ncredit line, up to the amount of your available balance. If the\ncredit union authorizes ATM transactions with your card, it will\nissue you a personal identification number (PIN). To obtain\ncash advances from an ATM, you must use the PIN issued\nto you for use with your card. You agree that you will not use\nyour card for any transaction that is illegal under applicable\nfederal, state, or local law. Even if you use your card for an\nillegal transaction, you will be responsible for all amounts and\ncharges incurred in connection with the transaction. If you\nare permitted to obtain cash advances on your account, you\nmay also use your card to purchase instruments and engage\nin transactions that we consider the equivalent of cash. Such\ntransactions will be posted to your account as cash advances\nand include, but are not limited to, wire transfers and money\norders. This paragraph shall not be interpreted as permitting\nor authorizing any transaction that is illegal.\n2. CREDIT LIMIT \xe2\x80\x94 We may establish a credit limit as part\nof this Agreement, which you promise not to exceed. If you\nexceed the credit limit, you promise to repay immediately the\namount which exceeds the credit limit, including amounts\ndue to finance charges, fees or other charges. You may\nrequest a credit limit increase on your account only by a\nmethod acceptable to SEFCU. We may increase or decrease\nyour credit limit, refuse to make an advance and/or terminate\nyour account at any time for any reason permitted by law.\nPage 2\n\n(continued)\n\n3. CONVENIENCE CHECKS \xe2\x80\x94 We may, from time to time,\nissue convenience checks to you that may be drawn on your\naccount. Convenience checks may not be used to make a\npayment on your account. If you use a convenience check, it\nwill be posted to your account as a cash advance. We reserve\nthe right to refuse to pay a convenience check drawn on your\naccount for any reason and such refusal shall not constitute\nwrongful dishonor. You may request that we stop the\npayment of a convenience check drawn on your account. You\nagree to pay any fee as identified in this Agreement imposed\nto stop a payment on a convenience check issued on your\naccount. You may make a stop payment request verbally,\nif permitted, or in writing. Your request must be made with\nsufficient time in advance of the presentment of the check for\npayment to give us a reasonable opportunity to act on your\nrequest. In addition, your request must accurately describe\nthe check including the exact account number, the payee, any\ncheck number that may be applicable, and the exact amount\nof the check. If permitted, you may make a stop payment\nrequest verbally but such a request will expire after fourteen\n(14) days unless you confirm your request in writing within\nthat time. Written stop payment orders are effective only for\nsix (6) months and may be renewed for additional six (6)\nmonth periods by requesting in writing that the stop payment\norder be renewed. We are not required to notify you when a\nstop payment order expires.\nIf we re-credit your account after paying a check over a valid\nand timely stop payment order, you agree to sign a statement\ndescribing the dispute with the payee, to assign to us all of\nyour rights against the payee or other holders of the check\nand to assist us in any legal action.\nYou agree to indemnify and hold us harmless from all costs\nand expenses, including attorney\xe2\x80\x99s fees, damages, or claims,\nrelated to our honoring your stop payment request or in\nfailing to stop payment of an item as a result of incorrect\ninformation provided to us or the giving of inadequate time\nto act upon a stop payment request. Note: A convenience\ncheck is not a check as that term is defined under the Uniform\nCommercial Code. It is an advance from your credit card\naccount with us and your stop payment rights are provided\nunder this Agreement with us.\n4. REPAYMENT \xe2\x80\x94 You promise to repay all amounts you\nowe under this Agreement. Your promise to repay includes\nall transactions made to your account by you or anyone you\nauthorize to use your account as well as all interest charges\nand fees. All payments must be made in U.S. dollars and, if\nmade by a negotiable instrument such as a check or money\norder, must be in a form acceptable to us and drawn on a U.S.\nfinancial institution.\nFor each billing period, you must pay at least the Minimum\nPayment Due by the Payment Due Date indicated on your\nstatement.\n\nThe Minimum Payment Due is 3.00% of your total New\nBalance, or $25.00, whichever is greater, plus any amount\npast due and any amount by which you have exceeded your\napplicable credit limit. If your total New Balance is less than\n$25.00, then your Minimum Payment Due is the amount of\nthe total New Balance.\nYou may pay more frequently, pay more than the Minimum\nPayment Due or pay the total New Balance in full.\nIf you make extra or larger payments, you are still required\nto make at least the Minimum Payment Due each month your\naccount has a balance (other than a credit balance). SEFCU\nmay delay replenishing your credit limit until the date the\npayment is posted or we confirm the payment has cleared.\nYour payment of the required Minimum Payment Due may be\napplied to what you owe SEFCU in any manner we choose, as\npermitted by applicable law. If you make a payment in excess\nof the required Minimum Payment Due, SEFCU will allocate\nthe excess amount first to the balance with the highest\nannual percentage rate (\xe2\x80\x9cAPR\xe2\x80\x9d) and any remaining portion to\nthe other balances in descending order based on applicable\nAPR, unless otherwise prescribed by applicable law. We may\naccept checks marked \xe2\x80\x9cpayment in full\xe2\x80\x9d or with words of\nsimilar effect without losing any of our rights to collect the\nfull balance of your account with us.\n5. INTEREST AND FINANCE CHARGES \xe2\x80\x94 We will begin\ncharging you interest on purchases on the date the\ntransaction is posted to your account. We will begin charging\nyou interest on cash advances and balance transfers on the\ndate of the transaction or the first day of the billing cycle in\nwhich the transaction is posted to your account, whichever\nis later (transaction date). However, we will not charge you\nany interest on new purchases if your account had a zero or\ncredit balance at the beginning of that billing cycle, or you\npaid the entire new balance on the previous cycle\xe2\x80\x99s billing\nstatement by the Payment Due Date of that statement. To\navoid any additional finance charge on the balance of your\naccount, you must pay the entire new balance on the billing\nstatement by the Payment Due Date of that statement.\nHow We Calculate Your Balance:\nInterest charges on your account are calculated separately\nfor purchases, balance transfers and cash advances\n(\xe2\x80\x9cTransaction Type\xe2\x80\x9d). We figure the interest charge for\neach Transaction Type by applying the periodic rate to each\ncorresponding \xe2\x80\x9caverage daily balance.\xe2\x80\x9d To get the \xe2\x80\x9caverage\ndaily balance\xe2\x80\x9d for a Transaction Type we take the beginning\nbalance for that Transaction Type each day, add any new\ntransactions of that type, and subtract any unpaid interest\nor other finance charges and any applicable payments or\ncredits. This gives us the daily balance for each Transaction\nType. Then, for each Transaction Type, we add up all the\ndaily balances for the billing cycle and divide each total by\nthe number of days in the billing cycle. This gives us the\n\xe2\x80\x9caverage daily balance\xe2\x80\x9d for each Transaction Type.\n\nThe periodic rates applicable to purchases, cash advances,\nand balance transfers are disclosed on the Disclosure that\naccompanies this Agreement. Any penalty rate that may be\nimposed for failing to make a payment by the payment due\ndate is also disclosed on the Disclosure. Any rate change will\nbe made pursuant to applicable law. If the rate for your account\nis variable, as indicated on the accompanying Disclosure, the\nrate charged on purchases, cash advances, balance transfers\nand any penalty rate will vary periodically as disclosed in\nthe Disclosure accompanying this Agreement. The initial\nrate on your account for certain types of transactions may\nbe an introductory discounted rate (Introductory Rate) that\nis lower than the rate that would ordinarily apply for that\ntype of transaction. If an Introductory Rate applies to your\naccount, the rates and the period of time it will be effective\nis shown on the Disclosure accompanying this Agreement.\nAfter the Introductory Rate period expires, the periodic rate\nwill automatically increase to the rates that would ordinarily\napply for that type of transaction based on the terms of this\nAgreement.\n6. FEES \xe2\x80\x94 In addition to the periodic rate, additional fees\nmay be imposed on your account. If applicable to your\naccount, the fee amounts and explanations are disclosed\non the Account Opening Disclosure accompanying this\nAgreement.\n7. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash\nadvances made in foreign currencies will be debited from\nyour account in U.S. dollars. The exchange rate used to\nconvert foreign currency transactions to U.S. dollars is\neither a government-mandated exchange rate or a wholesale\nexchange rate and is selected by Mastercard. The rate\nMastercard uses for a particular transaction is the rate\nMastercard selects for the applicable currency on the day\nthe transaction is processed. This rate may differ from the\nrate applicable on the date the transaction occurred or was\nposted to your account.\n8. AUTHORIZATIONS \xe2\x80\x94 We do not guarantee authorization\nof a transaction, either by us or by a third party, even if you\nhave sufficient credit available. You agree that we will not\nbe liable for failing to give an authorization. We also reserve\nthe right to limit the number of transactions that may be\napproved in one day. We reserve the right to deny certain\ntransactions for any reason and at our sole discretion,\nincluding for default, suspected fraudulent or unlawful\nactivity, internet gambling or any indication of increased\nrisk related to the transaction or the account. You agree that\nwe have no requirement to notify you of the specific reason\nwe denied a transaction. If we detect unusual or suspicious\nactivity, we may suspend your credit privileges until we can\nverify the activity, or we may close the account.\n\n9. INFORMATION UPDATING SERVICE AND AUTHORIZATIONS \xe2\x80\x94 If you have authorized a merchant to bill charges\nto your card on a recurring basis, it is your responsibility to\nnotify the merchant in the event your card is replaced, your\naccount information (such as card number or expiration date)\nchanges, or your account is closed. However, if your card is\nreplaced or your account information changes, you authorize\nus, without obligation on our part, to provide the updated\naccount information to the merchant in order to permit the\nmerchant to bill recurring charges to your card. You authorize\nus to apply such recurring charges to your card until you\nnotify us that you have revoked authorization for the charges\nto your card.\nYour card is automatically enrolled in an information\nupdating service. Through this service, your updated account\ninformation (such as card number or expiration date) may be\nshared with participating merchants to facilitate continued\nrecurring charges. Updates are not guaranteed before your\nnext payment to a merchant is due. You are responsible for\nmaking direct payment until recurring charges resume. To\nrevoke your authorization allowing us to provide updated\naccount information to a merchant, please contact us.\n10. PREAUTHORIZED CHARGES \xe2\x80\x94 We may suspend\npreauthorized recurring charges with merchants if, for\nexample, your card is lost or stolen, you default, or we change\nyour account for any reason. If preauthorized recurring\ncharges are suspended, you are responsible for making direct\npayment for such charges until you contact the merchant to\nreinstate recurring charges.\n11. DEFAULT \xe2\x80\x94 You will be in default under this Agreement if\nyou fail to pay the Minimum Payment Due by its Payment Due\nDate; pay by a check or similar instrument that is not honored\nor that we must return because it cannot be processed; pay\nby automatic debit that is returned unpaid; make any false\nor misleading statements in any credit application or credit\nupdate; file for bankruptcy; or die. You will also be in default\nif you fail to comply with the terms of this Agreement or any\nother Agreement you have with us. You will also be in default\nif something happens that the credit union believes may\nsubstantially reduce your ability to repay what you owe.\nWhen you are in default, the credit union has the right to\ndemand immediate payment of your full account balance\nwithout giving you notice. If immediate payment is demanded,\nyou agree to continue paying finance charges at the periodic\nrate charged before default, until what you owe has been\npaid, and any shares that were given as security for your\naccount may be applied towards what you owe.\nIf you default, we may close your account and require you\nto pay any unpaid balance immediately, subject to applicable\nlaw. In this Agreement and on your Credit Card Application,\nyou gave us a security interest in all individual or joint share\nand/or deposit accounts with SEFCU and authorized us, if\n\nyou defaulted, to apply the balance in these accounts to any\namounts due. You agree we may rely on your agreement and\nauthorization to, upon your default, apply any balance to any\namounts due on your account.\n12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN\nCARD NOTIFICATION \xe2\x80\x94 If you notice the loss or theft of\nyour credit card or a possible unauthorized use of your card,\nyou should write to us immediately at Customer Service, PO\nBox 31535, Tampa, FL 33631. World cardholders can call\n(855) 594-3246 to report the loss, theft, or unauthorized\nuse of your card as well as for customer service. (If you are\noutside the United States, call collect at (727) 227-1428.)\nOther cardholders can call (866) 839-3485 to report the\nloss, theft, or unauthorized use of your card. (If you are\noutside the United States, call collect at (727) 570-4881.)\nYou will not be liable for any unauthorized use that occurs\nafter you notify us of the loss, theft or possible unauthorized\nuse. You may, however, be liable for unauthorized use that\noccurs before your notice to us. However, if you exercise\nreasonable care in safeguarding your card from risk of loss\nor theft and, upon discovering the loss or theft promptly\nreport the loss or theft to us, you will not be liable for any\nunauthorized transactions. In any case, your liability for\nunauthorized transactions will not exceed $50.\n13. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As\npermitted by law, SEFCU may change the terms of this\nAgreement and any attached Disclosure from time to time.\nNotice of any change will be given in accordance with\napplicable law. To the extent permitted by law, changes to the\nAgreement may apply to your existing account balance as\nwell as to future transactions. You are also responsible for all\ntransactions posted on your account after termination, unless\nthe transactions were unauthorized. If this is a joint account,\nthe paragraph on JOINT ACCOUNTS of this Agreement also\napplies to termination of the account.\nArizona, California, Idaho, Louisiana, New Mexico,\nNevada, Texas, Washington, and Wisconsin Residents.\nEither you, your spouse or SEFCU may terminate this\nAgreement at any time, but termination by you, your spouse\nor SEFCU will not affect your obligation to pay the account\nbalance plus any finance and other charges you or your\nspouse owe under this Agreement. Your obligation to pay\nthe account balance plus any finance and other charges you\nowe under this Agreement are subject to all applicable laws\nand regulations regarding repayment requirements. The card\nor cards you receive remain the property of SEFCU and you\nmust recover and surrender to SEFCU all cards upon request\nor upon termination of this Agreement whether by you or\nSEFCU.\nResidents of all other states. Either you or SEFCU may\nterminate this Agreement at any time, but termination by you\nor SEFCU will not affect your obligation to pay the account\n\nPage 3\n\nPage 4\n\nPage 5\n\nPage 6\n\nPage 7\n\n(continued)\n\n(continued)\n\n(continued)\n\n(continued)\n\n(continued)\n\n\x0c'


b'CREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\nSEFCU LIGHTNING CREDIT CARD C\nThis document is incorporated into and becomes part of your LOANLINER\xc2\xae Consumer Credit Card Agreement &\nDisclosure. Please keep this attached to your LOANLINER Consumer Credit Card Agreement & Disclosure.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\nAPR for Balance Transfers\nAPR for Cash Advances\nPenalty APR and When it Applies\nPaying Interest\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\n17.74%\nThis APR will vary with the market based on the Prime Rate.\n17.74%\nThis APR will vary with the market based on the Prime Rate.\n17.99%\nThis APR will vary with the market based on the Prime Rate.\nNone\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\n\nNone\nNone\nNone\n\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nUp to $25.00\nUp to $25.00\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See\nyour account Agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your\naccount Agreement.\nFor California Borrowers, this credit card is a secured credit card. Credit extended under this credit card account\nis secured by various personal property and money including, but not limited to: (a) any goods you purchase\nwith this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of\nShares, (c) all shares you have in any individual or joint account with the credit union excluding shares in an\nIndividual Retirement Account or in any other account that would lose special tax treatment under state or\nfederal law, and (d) collateral securing other loans you have with the credit union excluding dwellings.\nNotwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered\nborrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you\ngrant us but will not be secured by all shares you have in any individual or joint account with the credit union.\nFor clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are\nnot a covered borrower; or (ii) you cease to be a covered borrower.\nMilitary Lending Act Disclosures: Federal law provides important protections to members of the Armed Forces and\ntheir dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the\nArmed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include,\nas applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\nSEE NEXT PAGE for more important information about your account.\nI003576\n03100017-MXC20-C-1-112017 (MXC201-E)\n\n\x0cproducts sold in connection with the credit transaction; any application fee charged (other than certain application fees for\nspecified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a\ncredit card account).\nTo receive this notice verbally, please call (800) 727-3328 during our normal business hours.\nOther Fees & Disclosures:\nLate Payment Fee: $25.00 or 5.00% of the amount of the required minimum payment, whichever is less, if you are 15 or\nmore days late in making a payment. If your account is subject to a Late Payment Fee, the fee will be charged to your\naccount when you do not make the required minimum payment by or within the number of days of the statement Payment\nDue Date set forth on this Disclosure.\nReturned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less. If your account is\nsubject to a Returned Payment Fee, the fee will be charged to your account when a payment is returned for any reason.\nCollection Costs: You agree to pay all costs of collecting the amount you owe under this Agreement, including court\ncosts and reasonable attorney fees.\nPeriodic Rates:\nThe Purchase APR is 17.74% which is a monthly periodic rate of 1.4783%.\nThe Balance Transfer APR is 17.74% which is a monthly periodic rate of 1.4783%.\nThe Cash Advance APR is 17.99% which is a monthly periodic rate of 1.4992%.\nVariable Rate: The ANNUAL PERCENTAGE RATE is subject to change quarterly to reflect any change in the Index and\nwill be determined by the Prime Rate 45 days prior to the first day of each calendar quarter (January, April, July and\nOctober) as published in The Wall Street Journal \xe2\x80\x9cMoney Rates\xe2\x80\x9d table to which we add a margin. The ANNUAL\nPERCENTAGE RATE will never be greater than 18.00%. Any increase in the ANNUAL PERCENTAGE RATE will take\nthe form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available,\nthe credit union will choose a new index which is based upon comparable information.\nMargin:\nPurchases will be charged at 12.99% above the Index.\nBalance Transfers will be charged at 12.99% above the Index.\nCash Advances will be charged at 14.99% above the Index.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\nI003576\n\n03100017-MXC20-C-1-112017 (MXC201-E)\n\n\x0c'


b'FLORIDA CREDIT UNION\nPLATINUM FRESH START CREDIT CARD AGREEMENT\nJanuary 2019\n\nIn this Agreement, the singular includes the plural; \xe2\x80\x9cAgreement\xe2\x80\x9d means the\nterms, conditions and disclosures herein; \xe2\x80\x9cCard\xe2\x80\x9d means the VISA credit card\nand any duplicates, renewals or substitutions thereof; \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d means\neach person or entity whose name is embossed on the face of the Card,\neach person or entity who signs, uses or authorizes use of the Card, and\neach person who signed the Application for the Card; \xe2\x80\x9cAccount\xe2\x80\x9d means your\ncredit card line of credit account with Credit Union; and \xe2\x80\x9cCredit Union\xe2\x80\x9d means\nFlorida Credit Union or anyone to whom Credit Union assigns or transfers this\nAgreement. By signing, using and/or authorizing the use of the Card, you agree\nto the following terms, conditions and disclosures:\n1. Using Your Account. If you are approved for an Account, Credit Union will\nestablish a line of credit for you and notify you of your credit limit. You agree\nthat your credit limit is the maximum amount (purchases, cash advances,\nfinance charges, plus \xe2\x80\x9cother charges\xe2\x80\x9d) that you will have outstanding on your\nAccount at any time. If you are over your credit limit, you must pay the amount\nyou are over before payments will begin to restore your credit limit. You may\nrequest an increase in your credit limit only by a method acceptable to Credit\nUnion. Credit Union has the right to reduce your credit limit, refuse to make\nan advance and/or terminate your Account at any time for any reason not\nprohibited by law.\n2. Using Your Card. You may use your Card to make purchases from\nmerchants and others who accept VISA Cards. However, you may not use\nyour Card to initiate any type of electronic gambling transaction through the\nInternet. Your Card may not be used for any illegal transaction(s). If you wish\nto pay for goods or services over the Internet, you may be required to provide\ncard member security information before you will be permitted to complete\nthe transaction. In addition, you may obtain cash advances from Credit Union\nand from other financial institutions that accept VISA Cards, and from some\nautomated teller machines (ATMs). (Not all ATMs accept VISA Cards.) To\nobtain cash advances from an ATM, you must use the Personal Identification\nNumber (PIN) that is issued to you for use with your Card. You will hold in strict\nconfidence the Account number and any PIN to be used with the Card. You will\nnotify Credit Union immediately of the loss or theft of the Card or PIN.\n3. Responsibility. You agree to pay all charges (purchases, balance transfers\nand cash advances) to your Account made by you or anyone authorized by you\nto use your Account or Card, whether or not you notify Credit Union that they\nwill be using your Account or Card. You also agree to pay all finance charges\nand other charges added to your Account under the terms of this Agreement or\nanother agreement you made with Credit Union. Delivering the Card to another\nperson constitutes authorization of that person to use the Card. If you want\nto cancel the authorized or permitted use of your Account or Card by another\nperson, you must let Credit Union know in writing, and if that person has a\nCard, you must return that Card cut in half with your written notice. Each of you\nis jointly and individually responsible for paying all amounts owed under this\nAgreement. Credit Union can require any one of you individually to repay the\nentire amount owed under this Agreement. Each of you authorizes the other(s)\nto make purchases or cash advances individually.\n4. Finance Charges. A finance charge is the cost you pay for credit. We will\ncharge Interest Charges and Fees to your account as described to you in your\nstatements and other Truth in Lending Disclosures. The following describes\nhow the finance charge will be calculated on the Account.\n\nM-125606\n\n\x0cYou have a 25-day grace (no finance charge) period on your purchase balance\nand for new purchases if you paid the entire New Balance on your last statement\nby the end of the grace period. You also have a 25-day grace period for new\npurchases if you did not have a balance on your last statement. The grace\nperiod starts on the billing cycle closing date. If you do not pay the entire New\nBalance by the end of the grace period, a finance charge will be imposed on the\nunpaid balance from the first day of the next billing cycle and on new purchases\nfrom the date they are posted to your Account. There is no grace period for cash\nadvances. A finance charge will be imposed on cash advances from the date\nthe cash advance is posted to your Account. Balance transfers as permitted by\nCredit Union from time to time in Credit Union\xe2\x80\x99s sole discretion will be treated\nas cash advances for the purpose of all finance charges and finance charge\ncalculations.\nFinance charges on your Account are calculated by applying the applicable\nMonthly Periodic Rate to the average daily balances for purchases and cash\nadvances. Separate average daily balances are calculated for purchases and\ncash advances. To get each average daily balance, the daily balances for\npurchases and cash advances for the billing cycle are added and the totals are\ndivided by the number of days in the cycle. To get the daily balance for cash\nadvances, new cash advances are added to the day\xe2\x80\x99s beginning balance and\npayments and credits are subtracted. To get the daily balance for purchases,\nnew purchases are added to the day\xe2\x80\x99s beginning balance and payments and\ncredits are subtracted; however, new purchases are not added if you paid the\nentire New Balance on your last statement by the end of the grace period or if\nyou did not have a balance on your last statement. Fees and unpaid finance\ncharges are not included in the calculation of the average daily balance. Finance\ncharges will continue to accrue on your Account until what you owe under this\nAgreement is paid in full.\nCredit Union may offer balance transfer, introductory rate, or other special rate\npromotions for your Account from time to time in Credit Union\xe2\x80\x99s sole discretion.\nThe applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE\nfor any promotion and any promotion terms and conditions will be disclosed to\nbefore or at the time you make use of such promotion.\n5. Other Charges. The following other charges (fees) will be added to your\nAccount, as applicable:\na. Over-the-Credit-Limit Fee: In the event you incur charges in amounts\nwhich shall cause the Account indebtedness, and if you agree, you shall\npay immediately the amount by which the total New Balance exceeds such\nmaximum authorized credit, and an over limit fee shall be imposed.\nb. Late Payment Fee: If a payment of at least the amount of the minimum\nrequired payment is not received within five (5) days of the Due Date, a late\ncharge shall be imposed.\nc. Return Check /Return Pre-Authorized Payments Fee: We may charge\nyou this fee each time any payment you make to us is not paid by your financial\ninstitution for any reason, even if that institution later pays it.\nd. Card Replacement Fee: In the event any additional or re- placement cards\nare issued for any reason other than the issuance of a renewal card, a fee may\nbe imposed.\ne. Collection Costs: You agree to pay all costs incurred by Credit Union in\ncollecting your indebtedness or in enforcing this Agreement, including attorneys\xe2\x80\x99\nfees and costs, as well as those costs, expenses and attorneys\xe2\x80\x99 fees incurred in\nappellate, bankruptcy, and post-judgment proceedings, except to the extent such\ncosts, fees, or expenses are prohibited by law.\nf. Balance Consolidation/Convenience Check Stop Payment Fee: We\nmay charge you this fee if we do not pay a convenience check for any reason,\nincluding when your account is in default, over limit, suspended or closed.\n6. Payments. Each month you must pay at least the minimum payment shown\n\n\x0con your statement by the date specified on the statement or no later than\ntwenty-five (25) days from the statement closing date, whichever is later. If\nyour statement says the payment is \xe2\x80\x9cNow Due,\xe2\x80\x9d your payment is due no later\nthan twenty-five (25) days from the statement closing date. You may pay more\nfrequently, pay more than the minimum payment or pay the Total New Balance\nin full. If you make extra or larger payments, you are still required to make at\nleast the minimum payment each month your Account has a balance (other than\na credit balance). The minimum payment is 2% of your Total New Balance, or\n$20.00, whichever is greater, plus the amount of any prior minimum payments\nthat you have not made, and any amount you are over your credit limit. Credit\nUnion also has the right to demand immediate payment of any amount by which\nyou are over your credit limit. All payments are to be made by check, money\norder, or electronic payment drawn in US dollars and payable through a US\nfinancial institution. All payments are to be made at the location specified on\nyour monthly billing statement. Payments received at locations other than the\naddress specified or payments that do not conform to the requirements set forth\non or with the periodic statement (e.g. missing payment stub, payment envelope\nother than as provided with your statement, multiple checks or multiple coupons\nin the same envelope) may be subject to delay in crediting. Credit Union may\naccept late payments, partial payments, or checks and money orders marked\n\xe2\x80\x9cpayment in full\xe2\x80\x9d and by doing so, Credit Union will not lose any rights under this\nAgreement if such irregular payments are accepted.\n7. Payment Allocation. Subject to applicable law, your payments may be\napplied to what you owe Credit Union in any manner Credit Union chooses.\n8. Security Interest. AS A CONDITION OF CREDIT UNION\xe2\x80\x99S OPENING\nYOUR ACCOUNT AND YOUR USE OF THE CARD, YOU HEREBY GRANT\nTO CREDIT UNION A SECURITY INTEREST IN ALL SHARES, DEPOSITS\nAND OTHER FUNDS ON DEPOSIT WITH CREDIT UNION IN WHICH YOU\nHAVE AN OWNERSHIP INTEREST (other than an IRA account or an\naccount where this security interest would cause the loss of tax-exempt\nor tax-deferred status). THE SECURITY INTEREST IS FOR ALL AMOUNTS\nOWED TO CREDIT UNION UNDER THE TERMS OF THIS AGREEMENT. IF\nYOU ARE IN DEFAULT UNDER ANY TERM OF THIS AGREEMENT, CREDIT\nUNION SHALL HAVE A RIGHT TO IMMEDIATELY SEIZE YOUR SHARES,\nDEPOSITS AND/OR OTHER FUNDS WITHOUT NOTICE OR DEMAND TO\nYOU AND TO APPLY SUCH FUNDS TO THE AMOUNTS OWED TO CREDIT\nUNION. Collateral securing other loans you have with Credit Union now or in\nthe future will also secure this loan, except that a dwelling or your household\ngoods (as defined by the Federal Trade Commission) will not be considered as\nsecurity for this Account, notwithstanding anything to the contrary in any other\nagreement.\n9. Default. You will be in default if you fail to make any minimum payment or\nother required payment by the date that it is due. You will be in default if you\nbreak any promise you make under this Agreement or any other agreement\nwith Credit Union. You will be in default if you die, file for bankruptcy or become\ninsolvent, that is, unable to pay your obligations when they become due. You\nwill be in default if you make any false or misleading statements in any credit\napplication or credit update. You will also be in default if something happens\nthat Credit Union believes may substantially reduce your ability to repay what\nyou owe. When you are in default, Credit Union has the right to demand\nimmediate payment of your full Account balance without giving you notice. If\nimmediate payment is demanded, you agree to continue paying finance charges\nas described in this Agreement until what you owe has been paid, and any\nshares, deposits and other funds on deposit with Credit Union that were given\nas security for your Account may be applied towards what you owe. You hereby\nagree that your salary or earnings may be subject to attachment or garnishment\nto the extent allowed under applicable law. You further waive, to the extent\nallowed under applicable law, any exemption you might have from attachment or\ngarnishment of your salary or earnings.\n\n\x0c10. Liability for Unauthorized Use-Lost/Stolen Card Notification. You agree\nto notify Credit Union immediately, orally or in writing at Florida Credit Union,\nP.O. Box 5549, Gainesville, FL 32627 or telephone (800) 449-7728 twenty four\n(24) hours a day, seven (7) days a week, of the loss, theft, or unauthorized use\nof your Credit Card. You may be liable for the unauthorized use of your Credit\nCard. You will not be liable for unauthorized use that occurs after you notify\nCredit Union of the loss, theft, or possible unauthorized use. You will have no\nliability for unauthorized purchases made with your credit card, unless you are\nnegligent in the handling of your card. In any case, your liability will not exceed\n$50.\nNotwithstanding the above, if 10 or more Cards are issued for use by\nemployees of a single business, there is no limit to the liability of the business\nfor unauthorized use that occurs before you notify Credit Union of the loss,\ntheft, or possible unauthorized use as provided in this Agreement. The business\nmay only impose liability on its employees for unauthorized use of a Card as\nauthorized by federal law and regulation.\nCredit Union will not be liable to any of your or any third party for any\nconsequential or incidental damages resulting from the unauthorized use of the\nCard and/or PIN.\n11. Changing or Terminating Your Account. Credit Union may change the\nterms of this Agreement from time to time in Credit Union\xe2\x80\x99s sole discretion.\nCredit Union may reduce your credit limit, refuse to make an advance and/or\nterminate your Account at any time for any reason not prohibited by law. Notice\nof any change will be given in accordance with applicable law. If permitted by\nlaw and specified in the notice to you, the change will apply to your existing\nAccount balance as well as to future transactions. Either you or Credit Union\nmay terminate this Agreement at any time, but termination by you or Credit\nUnion will not affect your obligation to pay the Account balance plus any finance\nand other charges you owe under this Agreement. You are also responsible for\nall transactions made to your Account after termination, unless the transactions\nwere unauthorized. Your notice of termination will be ineffective until Credit\nUnion receives the notice and all Cards and has a reasonable opportunity to act\nupon it. The Card or Cards you receive remain the property of Credit Union and\nyou must recover and surrender to Credit Union all Cards upon request or upon\ntermination of this Agreement whether by you or Credit Union. Credit Union has\nthe right to require you to pay your full Account balance at any time after your\nAccount is terminated, whether it is terminated by you or Credit Union.\n12. Credit Information. You authorize Credit Union to investigate your credit\nstanding when opening or reviewing your Account. You authorize Credit Union to\ndisclose information regarding your Account to credit bureaus and creditors who\ninquire about your credit standing. If your Account is eligible for emergency cash\nand/or emergency card replacement services, and you request such services,\nyou agree that Credit Union may provide personal information about you and\nyour account that is necessary to provide you with the requested service(s). You\nare hereby notified that a negative credit report reflecting on your credit record\nmay be submitted to a credit reporting agency if you fail to fulfill the terms of this\nAgreement.\n13. Returns and Adjustments. Merchants and others who honor your Card\nmay give credit for returns or adjustments, and they will do so by sending\nCredit Union a credit slip which will be posted to your Account. If your credits\nand payments exceed what you owe Credit Union, the amount will be applied\nagainst future purchases and cash advances. If the credit balance amount is $1\nor more, it will be refunded upon your written request or automatically after six\n(6) months.\n14. Additional Benefits/Card Enhancements. Credit Union may from time to\ntime offer additional services to your Account, such as travel accident insurance,\n\n\x0cat no additional cost to you. You understand that Credit Union is not obligated to\noffer such services and may withdraw or change them at any time.\n15. Foreign Transactions. Transactions initiated in foreign countries and/\nor foreign currencies will be charged to your Account in U.S. Dollars. The\nconversion rate to dollars will be (a) a rate selected by Visa from the range\nof rates available in wholesale currency markets for the applicable central\nprocessing date, which rate may vary from the rate Visa itself receives, or (b) the\ngovernment-mandated rate in effect for the applicable central processing date,\nin each of the above instances, plus or minus any adjustment determined by\nCredit Union.\n16. Merchant Disputes. Credit Union is not responsible for the refusal of any\nmerchant or financial institution to honor your Card.\n17. Joint and Individual Liability. Each of you is individually and jointly\nresponsible for paying all amounts owed under this Agreement. This means\nthat Credit Union can require any one of you individually to repay the entire\namount owed under this Agreement. Each of you authorizes any of you to make\npurchases, balance transfers or cash advances individually.\n18. Effect of Agreement. This Agreement is the contract which applies to all\ntransactions on your Account even though the sales, cash advances, credit or\nother slips you sign or receive may contain different terms.\n19. Severability. In the event that any paragraph of this Agreement or portion\nthereof is held by a court to be invalid or unenforceable for any reason, the other\nparagraphs and portions of the Agreement shall not be invalid or unenforceable\nand will continue in full force and effect.\n20. No Waiver. Credit Union can delay enforcing any of its rights any number of\ntimes without losing them. To be effective, any waiver of any term or condition\nstated in this Agreement must be in writing and signed by an authorized officer\nof the Credit Union and shall not be considered as a waiver of any future or\nother obligation or right.\n21. Statements and Notices. Statements and notices will be mailed to you at\nthe most recent address you have given Credit Union. Statements and notices\nsent to any one of you will be considered notice to all. Any notice from you will\nbe ineffective until Credit Union receives and has a reasonable opportunity to\nact upon the notice. You must notify Credit Union in writing immediately if you\nchange your address. You agree to examine periodic statements and to report\nany errors or problems to Credit Union within a reasonable time. You agree that\nthe time to examine the statement and report to Credit Union will depend on the\ncircumstances, but will not, in any circumstance, exceed a total of 60 days from\nwhen the statement containing the error or problem was first mailed or made\navailable to you. If you do not report within 60 days, Credit Union will be entitled\nto treat such information as correct and any and all of you will be precluded from\nasserting otherwise.\n22. Binding Nature and Assignment. Credit Union can assign or transfer\nyour Account or any portion without notice to you or your consent. You may\nnot assign your Account or any portion thereof without Credit Union\xe2\x80\x99s written\nconsent, which may be withheld in Credit Union\xe2\x80\x99s sole discretion. This\nAgreement shall be binding on each of you and your heirs, legal representatives,\nsuccessors and permitted assigns\n23. VISA Rules. You agree to abide by all applicable rules and regulations of the\nVISA USA, Inc. as well as all applicable laws. If there is any conflict between the\nprovisions of this Agreement and the rules and regulations of VISA USA, Inc.,\nthe rules and regulations of VISA USA, Inc. shall control.\n\n\x0c24. Governing Law. This Agreement is governed by the Bylaws of Credit\nUnion, federal laws and regulations, and the laws and regulations of the State of\nFlorida, as amended from time to time.\n25. Jurisdiction, Venue and Attorneys\xe2\x80\x99 Fees. Any disputes regarding this\nAgreement shall be within the jurisdiction of the court of the county in which\nCredit Union\xe2\x80\x99s principal place of doing business is located. If legal action is\nnecessary to enforce this Agreement or collect any amounts owing to Credit\nUnion or fees or charges assessed under this Agreement, the prevailing party\nhas the right, subject to applicable law, to payment by the other party of all\nreasonable attorney\xe2\x80\x99s fees and costs, including fees on any appeal and any\npost-judgment actions. You agree that such legal action shall be filed and heard\nin the county and state in which Credit Union\xe2\x80\x99s principal place of doing business\nis located, except as prohibited by applicable law.\n26. Final Expression. This Agreement is the final expression of the terms and\nconditions of this VISA line of credit between you and Credit Union. This written\nAgreement may not be contradicted by evidence of any alleged oral agreement.\n27. Copy Received. You acknowledge that you have received a copy of this\nAgreement.\n28. Military Lending Act Disclosures: Federal law provides important\nprotections to members of the Armed Forces and their dependents relating\nto extensions of consumer credit. In general, the cost of consumer credit to a\nmember of the Armed Forces and his or her dependent may not exceed an\nannual percentage rate of 36 percent. The rate must include, as applicable to\nthe credit transaction or account: The cost associated with credit insurance\npremium; fees for ancillary products sold in connection with the credit\ntransaction; any application fee charged (other than certain application fees for\nspecified credit transactions or accounts); and any participation fee charged\n(other than certain participation fees for a credit card account). Please call us at\n(800) 284-1144 to receive oral disclosures of the Military Lending Act disclosure\nabove and a description of the payment obligation.\nYour Billing Rights: Keep This Document For Future Use\nThis notice tells you about your rights and our responsibilities under the Fair\nCredit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at:\nFlorida Credit Union\nP.O. Box 5549, Gainesville, FL 32627\nYou may also contact us on the web: www.flcu.org\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe\nwhat you believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you\nwant to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing or electronically. You may call\nus, but if you do we are not required to investigate any potential errors and you\nmay have to pay the amount in question.\n\n\x0cWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received\nyour letter. We will also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or\nexplain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent\non that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may\ncontinue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible\nfor the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or\nany interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount\nin question, along with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then\nreport you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write\nto us within 10 days telling us that you still refuse to pay. If you do so, we cannot\nreport you as delinquent without also reporting that you are questioning your bill.\nWe must tell you the name of anyone to whom we reported you as delinquent,\nand we must let those organizations know when the matter has been settled\nbetween us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of\nthe amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with\nyour credit card, and you have tried in good faith to correct the problem with the\nmerchant, you may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles\nof your current mailing address, and the purchase price must have been more\nthan $50. (Note: Neither of these are necessary if your purchase was based on\nan advertisement we mailed to you, or if we own the company that sold you the\ngoods or services.)\n2. You must have used your credit card for the purchase. Purchases made with\ncash advances from an ATM or with a check that accesses your credit card\naccount do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase,\ncontact us in writing [or electronically] at:\nFlorida Credit Union\nP.O. Box 5549, Gainesville, FL 32627\nwww.flcu.org\nWhile we investigate, the same rules apply to the disputed amount as discussed\nabove. After we finish our investigation, we will tell you our decision. At that\npoint, if we think you owe an amount and you do not pay, we may report you as\ndelinquent.\n\n\x0cInterest Rates and Interest Charges\n\nEffective January 1, 2019\n\nFlorida Credit\nUnion Disclosure\nInformation\n\nVISA\xc2\xae Platinum Fresh Start\n\nAnnual\nPercentage Rate\n(APR) for\nPurchases\n\nUp to\nwhen you\nopen your account, based on your\ncreditworthiness.\n\nAPR for Balance\nTransfers\n\nUp to\nwhen you\nopen your account, based on your\ncreditworthiness.\n\nAPR for Cash\nAdvances\n\n17.90%\n\nPenalty APR and\nWhen it Applies\n\nNone\n\nHow to Avoid\nPaying Interest on\nPurchases\n\nYour due date is at least 25 days after\nthe close of each billing cycle. We will\nnot charge you interest on purchases if\nyou pay your entire balance by the due\ndate each month.\n\nMinimum Interest\nCharge\n\nIf you are charged interest, the charge\nwill be no less than $1.50.\n\nFor Credit Card\nTips from the\nConsumer\nFinancial\nProtection Bureau\n\nTo learn more about the factors to consider\nwhen applying for or using a credit card,\nvisit the website of the Consumer Financial\nProtection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\n17.90%\n17.90%\n\nFees\nAnnual Fee\n\n$100\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Foreign\nTransaction\n\nNone\nNone\n1% of each transaction in U.S. dollars\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Over-the-credit limit\n\xe2\x80\xa2 Returned Payment\nOther Fees\n\xe2\x80\xa2 Card Replacement\n\xe2\x80\xa2 Rush Mail Fee\n\xe2\x80\xa2 BalanceConsolidation/\nConvenience\nCheck/Stop\nPayment Fee\n\nUp to $35\nUp to $35\nUp to $35\n$25\n$15 (Priority Handling)\n$35\n\nHow We Will Calculate Your Balance: We use a method called\n\xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d See your\naccount agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and\nhow to exercise those rights is provided in your account agreement.\n\n\x0c'


b'FLORIDA CREDIT UNION\nCLASSIC RATE CREDIT CARD AGREEMENT\nJanuary 2019\n\nIn this Agreement, the singular includes the plural; \xe2\x80\x9cAgreement\xe2\x80\x9d means the\nterms, conditions and disclosures herein; \xe2\x80\x9cCard\xe2\x80\x9d means the VISA credit card\nand any duplicates, renewals or substitutions thereof; \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d means\neach person or entity whose name is embossed on the face of the Card,\neach person or entity who signs, uses or authorizes use of the Card, and\neach person who signed the Application for the Card; \xe2\x80\x9cAccount\xe2\x80\x9d means your\ncredit card line of credit account with Credit Union; and \xe2\x80\x9cCredit Union\xe2\x80\x9d means\nFlorida Credit Union or anyone to whom Credit Union assigns or transfers this\nAgreement. By signing, using and/or authorizing the use of the Card, you agree\nto the following terms, conditions and disclosures:\n1. Using Your Account. If you are approved for an Account, Credit Union will\nestablish a line of credit for you and notify you of your credit limit. You agree\nthat your credit limit is the maximum amount (purchases, cash advances,\nfinance charges, plus \xe2\x80\x9cother charges\xe2\x80\x9d) that you will have outstanding on your\nAccount at any time. If you are over your credit limit, you must pay the amount\nyou are over before payments will begin to restore your credit limit. You may\nrequest an increase in your credit limit only by a method acceptable to Credit\nUnion. Credit Union has the right to reduce your credit limit, refuse to make\nan advance and/or terminate your Account at any time for any reason not\nprohibited by law.\n2. Using Your Card. You may use your Card to make purchases from\nmerchants and others who accept VISA Cards. However, you may not use\nyour Card to initiate any type of electronic gambling transaction through the\nInternet. Your Card may not be used for any illegal transaction(s). If you wish\nto pay for goods or services over the Internet, you may be required to provide\ncard member security information before you will be permitted to complete\nthe transaction. In addition, you may obtain cash advances from Credit Union\nand from other financial institutions that accept VISA Cards, and from some\nautomated teller machines (ATMs). (Not all ATMs accept VISA Cards.) To\nobtain cash advances from an ATM, you must use the Personal Identification\nNumber (PIN) that is issued to you for use with your Card. You will hold in strict\nconfidence the Account number and any PIN to be used with the Card. You will\nnotify Credit Union immediately of the loss or theft of the Card or PIN.\n3. Responsibility. You agree to pay all charges (purchases, balance transfers\nand cash advances) to your Account made by you or anyone authorized by you\nto use your Account or Card, whether or not you notify Credit Union that they\nwill be using your Account or Card. You also agree to pay all finance charges\nand other charges added to your Account under the terms of this Agreement or\nanother agreement you made with Credit Union. Delivering the Card to another\nperson constitutes authorization of that person to use the Card. If you want\nto cancel the authorized or permitted use of your Account or Card by another\nperson, you must let Credit Union know in writing, and if that person has a\nCard, you must return that Card cut in half with your written notice. Each of you\nis jointly and individually responsible for paying all amounts owed under this\nAgreement. Credit Union can require any one of you individually to repay the\nentire amount owed under this Agreement. Each of you authorizes the other(s)\nto make purchases or cash advances individually.\n4. Finance Charges. A finance charge is the cost you pay for credit. We will\ncharge Interest Charges and Fees to your account as described to you in your\nstatements and other Truth in Lending Disclosures. The following describes\nhow the finance charge will be calculated on the Account.\n\nM-127633\n\n\x0cYou have a 25-day grace (no finance charge) period on your purchase balance\nand for new purchases if you paid the entire New Balance on your last statement\nby the end of the grace period. You also have a 25-day grace period for new\npurchases if you did not have a balance on your last statement. The grace\nperiod starts on the billing cycle closing date. If you do not pay the entire New\nBalance by the end of the grace period, a finance charge will be imposed on the\nunpaid balance from the first day of the next billing cycle and on new purchases\nfrom the date they are posted to your Account. There is no grace period for cash\nadvances. A finance charge will be imposed on cash advances from the date\nthe cash advance is posted to your Account. Balance transfers as permitted by\nCredit Union from time to time in Credit Union\xe2\x80\x99s sole discretion will be treated\nas cash advances for the purpose of all finance charges and finance charge\ncalculations.\nFinance charges on your Account are calculated by applying the applicable\nMonthly Periodic Rate to the average daily balances for purchases and cash\nadvances. Separate average daily balances are calculated for purchases and\ncash advances. To get each average daily balance, the daily balances for\npurchases and cash advances for the billing cycle are added and the totals are\ndivided by the number of days in the cycle. To get the daily balance for cash\nadvances, new cash advances are added to the day\xe2\x80\x99s beginning balance and\npayments and credits are subtracted. To get the daily balance for purchases,\nnew purchases are added to the day\xe2\x80\x99s beginning balance and payments and\ncredits are subtracted; however, new purchases are not added if you paid the\nentire New Balance on your last statement by the end of the grace period or if\nyou did not have a balance on your last statement. Fees and unpaid finance\ncharges are not included in the calculation of the average daily balance. Finance\ncharges will continue to accrue on your Account until what you owe under this\nAgreement is paid in full.\nCredit Union may offer balance transfer, introductory rate, or other special rate\npromotions for your Account from time to time in Credit Union\xe2\x80\x99s sole discretion.\nThe applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for\nany promotion and any promotion terms and conditions will be disclosed to\nbefore or at the time you make use of such promotion.\n5. Other Charges. The following other charges (fees) will be added to your\nAccount, as applicable:\na. Over-the-Credit-Limit Fee: In the event you incur charges in amounts\nwhich shall cause the Account indebtedness, and if you agree, you shall\npay immediately the amount by which the total New Balance exceeds such\nmaximum authorized credit, and an over limit fee shall be imposed.\nb. Late Payment Fee: If a payment of at least the amount of the minimum\nrequired payment is not received within five (5) days of the Due Date, a late\ncharge shall be imposed.\nc. Return Check /Return Pre-Authorized Payments Fee: We may charge\nyou this fee each time any payment you make to us is not paid by your financial\ninstitution for any reason, even if that institution later pays it.\nd. Card Replacement Fee: In the event any additional or replacement cards are\nissued for any reason other than the issuance of a renewal card, a fee may be\nimposed.\ne. Collection Costs: You agree to pay all costs incurred by Credit Union in\ncollecting your indebtedness or in enforcing this Agreement, including attorneys\xe2\x80\x99\nfees and costs, as well as those costs, expenses and attorneys\xe2\x80\x99 fees incurred in\nappellate, bankruptcy, and post-judgment proceedings, except to the extent such\ncosts, fees, or expenses are prohibited by law.\nf. Balance Consolidation/Convenience Check Stop Payment Fee: We\nmay charge you this fee if we do not pay a convenience check for any reason,\nincluding when your account is in default, over limit, suspended or closed.\n6. Payments. Each month you must pay at least the minimum payment shown\n\n\x0con your statement by the date specified on the statement or no later than\ntwenty-five (25) days from the statement closing date, whichever is later. If\nyour statement says the payment is \xe2\x80\x9cNow Due,\xe2\x80\x9d your payment is due no later\nthan twenty-five (25) days from the statement closing date. You may pay more\nfrequently, pay more than the minimum payment or pay the Total New Balance\nin full. If you make extra or larger payments, you are still required to make at\nleast the minimum payment each month your Account has a balance (other than\na credit balance). The minimum payment is 2% of your Total New Balance, or\n$20.00, whichever is greater, plus the amount of any prior minimum payments\nthat you have not made, and any amount you are over your credit limit. Credit\nUnion also has the right to demand immediate payment of any amount by which\nyou are over your credit limit. All payments are to be made by check, money\norder, or electronic payment drawn in US dollars and payable through a US\nfinancial institution. All payments are to be made at the location specified on\nyour monthly billing statement. Payments received at locations other than the\naddress specified or payments that do not conform to the requirements set forth\non or with the periodic statement (e.g. missing payment stub, payment envelope\nother than as provided with your statement, multiple checks or multiple coupons\nin the same envelope) may be subject to delay in crediting. Credit Union may\naccept late payments, partial payments, or checks and money orders marked\n\xe2\x80\x9cpayment in full\xe2\x80\x9d and by doing so, Credit Union will not lose any rights under this\nAgreement if such irregular payments are accepted.\n7. Payment Allocation. Subject to applicable law, your payments may be\napplied to what you owe Credit Union in any manner Credit Union chooses.\n8. Security Interest. AS A CONDITION OF CREDIT UNION\xe2\x80\x99S OPENING\nYOUR ACCOUNT AND YOUR USE OF THE CARD, YOU HEREBY GRANT\nTO CREDIT UNION A SECURITY INTEREST IN ALL SHARES, DEPOSITS\nAND OTHER FUNDS ON DEPOSIT WITH CREDIT UNION IN WHICH YOU\nHAVE AN OWNERSHIP INTEREST (other than an IRA account or an\naccount where this security interest would cause the loss of tax-exempt\nor tax-deferred status). THE SECURITY INTEREST IS FOR ALL AMOUNTS\nOWED TO CREDIT UNION UNDER THE TERMS OF THIS AGREEMENT. IF\nYOU ARE IN DEFAULT UNDER ANY TERM OF THIS AGREEMENT, CREDIT\nUNION SHALL HAVE A RIGHT TO IMMEDIATELY SEIZE YOUR SHARES,\nDEPOSITS AND/OR OTHER FUNDS WITHOUT NOTICE OR DEMAND TO\nYOU AND TO APPLY SUCH FUNDS TO THE AMOUNTS OWED TO CREDIT\nUNION. Collateral securing other loans you have with Credit Union now or in\nthe future will also secure this loan, except that a dwelling or your household\ngoods (as defined by the Federal Trade Commission) will not be considered as\nsecurity for this Account, notwithstanding anything to the contrary in any other\nagreement.\n9. Default. You will be in default if you fail to make any minimum payment or\nother required payment by the date that it is due. You will be in default if you\nbreak any promise you make under this Agreement or any other agreement\nwith Credit Union. You will be in default if you die, file for bankruptcy or become\ninsolvent, that is, unable to pay your obligations when they become due. You\nwill be in default if you make any false or misleading statements in any credit\napplication or credit update. You will also be in default if something happens\nthat Credit Union believes may substantially reduce your ability to repay what\nyou owe. When you are in default, Credit Union has the right to demand\nimmediate payment of your full Account balance without giving you notice. If\nimmediate payment is demanded, you agree to continue paying finance charges\nas described in this Agreement until what you owe has been paid, and any\nshares, deposits and other funds on deposit with Credit Union that were given\nas security for your Account may be applied towards what you owe. You hereby\nagree that your salary or earnings may be subject to attachment or garnishment\nto the extent allowed under applicable law. You further waive, to the extent\nallowed under applicable law, any exemption you might have from attachment or\ngarnishment of your salary or earnings.\n\n\x0c10. Liability for Unauthorized Use-Lost/Stolen Card Notification. You agree\nto notify Credit Union immediately, orally or in writing at Florida Credit Union,\nP.O. Box 5549, Gainesville, FL 32627 or telephone (800) 449-7728 twenty four\n(24) hours a day, seven (7) days a week, of the loss, theft, or unauthorized use\nof your Credit Card. You may be liable for the unauthorized use of your Credit\nCard. You will not be liable for unauthorized use that occurs after you notify\nCredit Union of the loss, theft, or possible unauthorized use. You will have no\nliability for unauthorized purchases made with your credit card, unless you are\nnegligent in the handling of your card. In any case, your liability will not exceed\n$50.\nNotwithstanding the above, if 10 or more Cards are issued for use by\nemployees of a single business, there is no limit to the liability of the business\nfor unauthorized use that occurs before you notify Credit Union of the loss,\ntheft, or possible unauthorized use as provided in this Agreement. The business\nmay only impose liability on its employees for unauthorized use of a Card as\nauthorized by federal law and regulation.\nCredit Union will not be liable to any of your or any third party for any\nconsequential or incidental damages resulting from the unauthorized use of the\nCard and/or PIN.\n11. Changing or Terminating Your Account. Credit Union may change the\nterms of this Agreement from time to time in Credit Union\xe2\x80\x99s sole discretion.\nCredit Union may reduce your credit limit, refuse to make an advance and/or\nterminate your Account at any time for any reason not prohibited by law. Notice\nof any change will be given in accordance with applicable law. If permitted by\nlaw and specified in the notice to you, the change will apply to your existing\nAccount balance as well as to future transactions. Either you or Credit Union\nmay terminate this Agreement at any time, but termination by you or Credit\nUnion will not affect your obligation to pay the Account balance plus any finance\nand other charges you owe under this Agreement. You are also responsible for\nall transactions made to your Account after termination, unless the transactions\nwere unauthorized. Your notice of termination will be ineffective until Credit\nUnion receives the notice and all Cards and has a reasonable opportunity to act\nupon it. The Card or Cards you receive remain the property of Credit Union and\nyou must recover and surrender to Credit Union all Cards upon request or upon\ntermination of this Agreement whether by you or Credit Union. Credit Union has\nthe right to require you to pay your full Account balance at any time after your\nAccount is terminated, whether it is terminated by you or Credit Union.\n12. Credit Information. You authorize Credit Union to investigate your credit\nstanding when opening or reviewing your Account. You authorize Credit Union to\ndisclose information regarding your Account to credit bureaus and creditors who\ninquire about your credit standing. If your Account is eligible for emergency cash\nand/or emergency card replacement services, and you request such services,\nyou agree that Credit Union may provide personal information about you and\nyour account that is necessary to provide you with the requested service(s). You\nare hereby notified that a negative credit report reflecting on your credit record\nmay be submitted to a credit reporting agency if you fail to fulfill the terms of this\nAgreement.\n13. Returns and Adjustments. Merchants and others who honor your Card\nmay give credit for returns or adjustments, and they will do so by sending\nCredit Union a credit slip which will be posted to your Account. If your credits\nand payments exceed what you owe Credit Union, the amount will be applied\nagainst future purchases and cash advances. If the credit balance amount is $1\nor more, it will be refunded upon your written request or automatically after six\n(6) months.\n14. Additional Benefits/Card Enhancements. Credit Union may from time to\ntime offer additional services to your Account, such as travel accident insurance,\n\n\x0cat no additional cost to you. You understand that Credit Union is not obligated to\noffer such services and may withdraw or change them at any time.\n15. Foreign Transactions. Transactions initiated in foreign countries and/\nor foreign currencies will be charged to your Account in U.S. Dollars. The\nconversion rate to dollars will be (a) a rate selected by Visa from the range\nof rates available in wholesale currency markets for the applicable central\nprocessing date, which rate may vary from the rate Visa itself receives, or (b) the\ngovernment-mandated rate in effect for the applicable central processing date,\nin each of the above instances, plus or minus any adjustment determined by\nCredit Union.\n16. Merchant Disputes. Credit Union is not responsible for the refusal of any\nmerchant or financial institution to honor your Card.\n17. Joint and Individual Liability. Each of you is individually and jointly\nresponsible for paying all amounts owed under this Agreement. This means\nthat Credit Union can require any one of you individually to repay the entire\namount owed under this Agreement. Each of you authorizes any of you to make\npurchases, balance transfers or cash advances individually.\n18. Effect of Agreement. This Agreement is the contract which applies to all\ntransactions on your Account even though the sales, cash advances, credit or\nother slips you sign or receive may contain different terms.\n19. Severability. In the event that any paragraph of this Agreement or portion\nthereof is held by a court to be invalid or unenforceable for any reason, the other\nparagraphs and portions of the Agreement shall not be invalid or unenforceable\nand will continue in full force and effect.\n20. No Waiver. Credit Union can delay enforcing any of its rights any number of\ntimes without losing them. To be effective, any waiver of any term or condition\nstated in this Agreement must be in writing and signed by an authorized officer\nof the Credit Union and shall not be considered as a waiver of any future or\nother obligation or right.\n21. Statements and Notices. Statements and notices will be mailed to you at\nthe most recent address you have given Credit Union. Statements and notices\nsent to any one of you will be considered notice to all. Any notice from you will\nbe ineffective until Credit Union receives and has a reasonable opportunity to\nact upon the notice. You must notify Credit Union in writing immediately if you\nchange your address. You agree to examine periodic statements and to report\nany errors or problems to Credit Union within a reasonable time. You agree that\nthe time to examine the statement and report to Credit Union will depend on the\ncircumstances, but will not, in any circumstance, exceed a total of 60 days from\nwhen the statement containing the error or problem was first mailed or made\navailable to you. If you do not report within 60 days, Credit Union will be entitled\nto treat such information as correct and any and all of you will be precluded from\nasserting otherwise.\n22. Binding Nature and Assignment. Credit Union can assign or transfer\nyour Account or any portion without notice to you or your consent. You may\nnot assign your Account or any portion thereof without Credit Union\xe2\x80\x99s written\nconsent, which may be withheld in Credit Union\xe2\x80\x99s sole discretion. This\nAgreement shall be binding on each of you and your heirs, legal representatives,\nsuccessors and permitted assigns.\n23. VISA Rules. You agree to abide by all applicable rules and regulations of the\nVISA USA, Inc. as well as all applicable laws. If there is any conflict between the\nprovisions of this Agreement and the rules and regulations of VISA USA, Inc.,\nthe rules and regulations of VISA USA, Inc. shall control.\n\n\x0c24. Governing Law. This Agreement is governed by the Bylaws of Credit\nUnion, federal laws and regulations, and the laws and regulations of the State of\nFlorida, as amended from time to time.\n25. Jurisdiction, Venue and Attorneys\xe2\x80\x99 Fees. Any disputes regarding this\nAgreement shall be within the jurisdiction of the court of the county in which\nCredit Union\xe2\x80\x99s principal place of doing business is located. If legal action is\nnecessary to enforce this Agreement or collect any amounts owing to Credit\nUnion or fees or charges assessed under this Agreement, the prevailing party\nhas the right, subject to applicable law, to payment by the other party of all\nreasonable attorney\xe2\x80\x99s fees and costs, including fees on any appeal and any\npost-judgment actions. You agree that such legal action shall be filed and heard\nin the county and state in which Credit Union\xe2\x80\x99s principal place of doing business\nis located, except as prohibited by applicable law.\n26. Final Expression. This Agreement is the final expression of the terms and\nconditions of this VISA line of credit between you and Credit Union. This written\nAgreement may not be contradicted by evidence of any alleged oral agreement.\n27. Copy Received. You acknowledge that you have received a copy of this\nAgreement.\n28. Military Lending Act Disclosures: Federal law provides important\nprotections to members of the Armed Forces and their dependents relating\nto extensions of consumer credit. In general, the cost of consumer credit to a\nmember of the Armed Forces and his or her dependent may not exceed an\nannual percentage rate of 36 percent. The rate must include, as applicable to\nthe credit transaction or account: The cost associated with credit insurance\npremium; fees for ancillary products sold in connection with the credit\ntransaction; any application fee charged (other than certain application fees for\nspecified credit transactions or accounts); and any participation fee charged\n(other than certain participation fees for a credit card account). Please call us at\n(800) 284-1144 to receive oral disclosures of the Military Lending Act disclosure\nabove and a description of the payment obligation.\nYour Billing Rights: Keep This Document For Future Use\nThis notice tells you about your rights and our responsibilities under the Fair\nCredit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at:\nFlorida Credit Union\nP.O. Box 5549, Gainesville, FL 32627\nYou may also contact us on the web: www.flcu.org\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe\nwhat you believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you\nwant to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing or electronically. You may call\nus, but if you do we are not required to investigate any potential errors and you\nmay have to pay the amount in question.\n\n\x0cWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received\nyour letter. We will also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or\nexplain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent\non that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may\ncontinue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible\nfor the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or\nany interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount\nin question, along with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then\nreport you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write\nto us within 10 days telling us that you still refuse to pay. If you do so, we cannot\nreport you as delinquent without also reporting that you are questioning your bill.\nWe must tell you the name of anyone to whom we reported you as delinquent,\nand we must let those organizations know when the matter has been settled\nbetween us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of\nthe amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with\nyour credit card, and you have tried in good faith to correct the problem with the\nmerchant, you may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles\nof your current mailing address, and the purchase price must have been more\nthan $50. (Note: Neither of these are necessary if your purchase was based on\nan advertisement we mailed to you, or if we own the company that sold you the\ngoods or services.)\n2. You must have used your credit card for the purchase. Purchases made with\ncash advances from an ATM or with a check that accesses your credit card\naccount do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase,\ncontact us in writing [or electronically] at:\nFlorida Credit Union\nP.O. Box 5549, Gainesville, FL 32627\nwww.flcu.org\nWhile we investigate, the same rules apply to the disputed amount as discussed\nabove. After we finish our investigation, we will tell you our decision. At that\npoint, if we think you owe an amount and you do not pay, we may report you as\ndelinquent.\n\n\x0cInterest Rates and Interest Charges\nFlorida Credit\nUnion Disclosure\nInformation\nAnnual\nPercentage Rate\n(APR) for\nPurchases\nAPR for Balance\nTransfers\n\nEffective January 1, 2019\n\nVISA\xc2\xae Classic Rate\n\n12.90% to 17.90%\n\nwhen you open your account, based on\nyour creditworthiness..\n\n12.90% to 17.90%\n\nwhen you open your account, based on\nyour creditworthiness.\n\nAPR for Cash\nAdvances\n\n17.90%\n\nPenalty APR and\nWhen it Applies\n\nNone\n\nHow to Avoid\nPaying Interest on\nPurchases\n\nYour due date is at least 25 days after\nthe close of each billing cycle. We will\nnot charge you interest on purchases if\nyou pay your entire balance by the due\ndate each month.\n\nMinimum Interest\nCharge\n\nIf you are charged interest, the charge\nwill be no less than $1.50.\n\nFor Credit Card\nTips from the\nConsumer\nFinancial\nProtection Bureau\n\nTo learn more about the factors to consider\nwhen applying for or using a credit card,\nvisit the website of the Consumer Financial\nProtection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Foreign\nTransaction\n\nNone\nNone\n1% of each transaction in U.S. dollars\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Over-the-credit limit\n\xe2\x80\xa2 Returned Payment\nOther Fees\n\xe2\x80\xa2 Card Replacement\n\xe2\x80\xa2 Rush Mail Fee\n\xe2\x80\xa2 BalanceConsolidation/\nConvenience\nCheck/Stop\nPayment Fee\n\nUp to $35\nUp to $35\nUp to $35\n$25\n$25 (Priority Handling)\n$35\n\nHow We Will Calculate Your Balance: We use a method called\n\xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d See your\naccount agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and\nhow to exercise those rights is provided in your account agreement.\n\n\x0c'