b'FLORIDA CREDIT UNION\nPLATINUM ADVANTAGE 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-125604\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, overlimit, 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\n\nEffective January 1, 2019\n\nVISA\xc2\xae Platinum Advantge\n\n8.90% to 17.90%\n\nAnnual Percentage\nwhen\nRate (APR) for\nyou open your account, based on your\nPurchases\ncreditworthiness.\nAPR for Balance\nTransfers\n\n8.90% to 17.90% when\n\nAPR for Cash\nAdvances\n\n17.90%\n\nPenalty APR and\nWhen it Applies\n\nNone\n\nHow to Avoid\nPaying Interest\non Purchases\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 http://www.\nconsumerfinance.gov/learnmore.\n\nyou open your account, based on your\ncreditworthiness.\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 Transaction\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Over-the-credit limit\n\xe2\x80\xa2 Returned Payment\n\nNone\nNone\n1% of each transaction in U.S. dollars\n\nOther Fees\n\xe2\x80\xa2 Card Replacement\n\xe2\x80\xa2 Rush Mail Fee\n\xe2\x80\xa2 BalanceConsolidation/\nConvenience Check/\nStop Payment 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 account\nagreement 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\nPLATINUM ADVANTAGE 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-125605\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, overlimit, 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\n\nEffective January 1, 2019\n\nVISA\xc2\xae Platinum Advantage\n\n0.00%\n\n17.90%\n\nAnnual Percentage\nIntroductory rate, then\n.\nRate (APR) for\nThe length of your introductory rate is dependent\nPurchases\non the product(s) you purchase with your initial\nadvance. The length of your introductory rate will be\ndisclosed to you when you receieve your card.\nAPR for Balance\nTransfers\n\n8.90% to 17.90% when you open\n\nAPR for Cash\nAdvances\n\n17.90%\n\nPenalty APR and\nWhen it Applies\n\nNone\n\nHow to Avoid\nPaying Interest\non Purchases\n\nYour due date is at least 25 days after the close\nof each billing cycle. We will not charge you\ninterest on purchases if you pay your entire\nbalance by the due date each month.\n\nMinimum Interest\nCharge\n\nIf you are charged interest, the charge will be no\nless than $1.50.\n\nFor Credit Card\nTips from the\nConsumer\nFinancial\nProtection Bureau\n\nTo learn more about the factors to consider when\napplying for or using a credit card, visit the website of\nthe Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nyour account, based on your creditworthiness.\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 Transaction\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\n\nUp to $35\nUp to $35\nUp to $35\n\nOther Fees\n\xe2\x80\xa2 Card Replacement Fee $25\n$25 (Priority Handling)\n\xe2\x80\xa2 Rush Mail Fee\n$35\n\xe2\x80\xa2 BalanceConsolidation/\nConvenience Check/ Stop\nPayment Fee\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 account\nagreement for more details.\nBilling Rights: Information on your rights to dispute transactions and\nhow to exercise those rights is provided in your account agreement.\nLoss of Introductory APR: We may end your Introductory APR and\napply the standard APR if you fail to make any minimum payment within\n60 days following the payment due date.\n\n\x0c'


b'FLORIDA CREDIT UNION\nPLATINUM REWARDS 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-125609\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\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 Platinum Rewards\n\n10.90% to 17.90%\n\nwhen you open your account, based on\nyour creditworthiness.\n\n10.90% 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$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'