b'FLORIDA CREDIT UNION\nPLATINUM WAVE 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-125603\n\n\x0cFINANCE CHARGES will be calculated on your Account purchases and balance\ntransfers based on a variable Monthly Periodic Rate and a corresponding variable\nANNUAL PERCENTAGE RATE that are determined by the Credit Union as\nfollows: Credit Union starts with an independent index (the \xe2\x80\x9cIndex\xe2\x80\x9d), which is\nThe Wall Street Journal Prime Rate; when a range of rates has been published,\nthe highest rate will be used. To determine the Monthly Periodic Rate that will\napply to your Account, Credit Union adds a Margin of to the value of the Index.\nYour Margin is based on your creditworthiness; your specific Margin, ANNUAL\nPERCENTAGE RATE and corresponding Monthly Periodic Rate will be disclosed\nto you in other Truth-in-Lending disclosures. Credit Union then divides this sum\nby the number of months in a year (12). Credit Union then multiplies the Monthly\nPeriodic Rate by the number of months in a year (12); the result is the ANNUAL\nPERCENTAGE RATE. The Monthly Periodic Rate and ANNUAL PERCENTAGE\nRATE can change each year based on changes in the Index; the Credit Union\nwill select the date of each year to choose the new Index value in Credit\nUnion\xe2\x80\x99s sole discretion. All changes in the Monthly Periodic Rate and ANNUAL\nPERCENTAGE RATE will be based on application of the Margin and the Index.\nAll changes to the Monthly Periodic Rate and ANNUAL PERCENTAGE RATE\nwill be effective on the first day of the first billing cycle following Credit Union\xe2\x80\x99s\nchanges to the Monthly Periodic Rate and ANNUAL PERCENTAGE RATE.\nThere is no limit on the amount by which the Monthly Periodic Rate and ANNUAL\nPERCENTAGE RATE can change during any period or the term of your Account.\nThe maximum ANNUAL PERCENTAGE RATE that can apply is 18.00% or the\nmaximum permitted by law, whichever is less.\n\nFINANCE CHARGES will be calculated on your Account cash advances based\non the ANNUAL PERCENTAGE RATE disclosed to you in other Truth-inLending disclosures and the corresponding Monthly Periodic Rate.\nYou 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\n\n\x0cfor 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\non 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\n\n\x0cOWED 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.\n10. 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\n\n\x0call 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,\nat 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\n\n\x0cstated 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.\n24. 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\n\x0c(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.\nWhat 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.\n\n\x0cIf 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\n\nAPR for Balance\nTransfers\n\nEffective January 1, 2019\n\nVISA\xc2\xae Platinum Wave Card\n\n12.90% to 17.90% when\n\nyou open your account, based on your\ncreditworthiness. Your APR will vary with the\nmarket based on prime rate.\n\n12.90% to 17.90% when\n\nyou open your account, based on your\ncreditworthiness. Your APR will vary with the\nmarket based on prime rate.\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 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 on Balance Transfers: We may end your\nIntroductory APR and apply the normal APR on Balance Transfers if\nyou fail to make any minimum payment within 60 days following the\npayment due date.\n\n\x0c'


b'VISA\xc2\xae CREDIT CARD APPLICATION\n\xe2\x96\xa1 Manatee \xe2\x96\xa1 Panther \xe2\x96\xa1 Sea Turtle\n\n\xe2\x96\xa1 Visa Platinum Rate or Fresh Start Visa (card type based on your creditworthiness)\n\n$\nCREDIT AMOUNT/LIMIT REQUESTED: _________________________________\nTYPE OF APPLICATION: \xe2\x96\xa1 Individual \xe2\x96\xa1 Joint* \xe2\x96\xa1 Co-Borrower*\n\xe2\x96\xa1 Visa Platinum Rewards\n\n\xe2\x96\xa1 Manatee \xe2\x96\xa1 Panther \xe2\x96\xa1 Sea Turtle\n\nMobile Phone Number\n\nEmail Address\n\nMobile Phone Number\n\nEmail Address\n\nHow Long at Address?\n\nHow Long at Address?\n\n\xc2\xae\n\nCHOOSE CARD: \xe2\x96\xa1 Visa Wave\n\nHome Phone Number\n\nHome Phone Number\n\nOCALA BRANCH\n2424 SW 17th Road \xe2\x80\xa2 Ocala, FL\n(352) 237-8222\n\n*\x07Joint vs. Co-Borrower: In a joint application, the secondary borrower receives benefit from the loan proceeds. The financial debts, income, and assets of both the primary and secondary borrower will be combined\nfor prequalification. In a co-borrower application, the secondary borrower\xe2\x80\x99s debts, incomes, and assets are segregated from the primary applicant. Generally speaking, a co-borrower does not receive benefit from the loan\nproceeds. A co-borrower is generally useful to increase the odds of getting a loan. A co-borrower should generally have a better credit history and/or is in a better financial standing than the main borrower.\n\nZip Code\n\n$\n\nZip Code\n\nZip Code\n\n$\n\nZip Code\n\nSTARKE BRANCH\n2460 Commercial Drive \xe2\x80\xa2 Starke, FL\n(904) 964-1427\n\nOVERLIMIT FEE PROGRAM\n\xe2\x96\xa1 \x07Opt me in. I would like to opt in to the Overlimit Fee Program. I understand a fee will be charged if transactions that post to my credit card account cause my balance to go over the limit\n(see Fee Schedule for current amount). I further understand that Florida Credit Union is not required to accept every transaction as a result of being enrolled in this program. The overlimit fee\nwill be charged only once per month and will be charged only if my credit card account balance goes overlimit at any time during the month.\n\nFCU Member Number\nState\nZip Code\n\nMonthly Housing Payment\n\nCity\n\nDate of Birth (MM/DD/YYYY)\n\n\xe2\x96\xa1 \x07Opt me out. I prefer to opt out of the Overlimit Fee Program. I understand transactions will be denied if those transactions would cause my balance to go over the limit of my credit card account.\n\nApplicant\xe2\x80\x99s Full Name\nCity\nState\n\nAPPLICANT\xe2\x80\x99S INFORMATION\n\nHome Address (no P.O. Box allowed)\nCity\n\nSocial Security Number\n\nPrevious Address (if less than two years at current address)\nOwn/Rent\n\n\xe2\x96\xa1 Own \xe2\x96\xa1 Rent \xe2\x96\xa1 Other\n\nOther Income Source**\n\nFCU Member Number\nState\nZip Code\n\nMonthly Housing Payment\n\nCity\n\nDate of Birth (MM/DD/YYYY)\n\nEmployer\xe2\x80\x99s Phone Number\n\nIssue State\nDate of Hire\n\nExpiration Date\n\n$\n\nOccupation/Job Title\n\nIssue Date\n\nOther Income**\n\nState\n\nDriver\xe2\x80\x99s License or State ID Number\nEmployer\xe2\x80\x99s Name\n\n$\n\nEmployer\xe2\x80\x99s Address\nGross Monthly Income\n**\x07Alimony, child support and separate maintenance income need not be revealed if you do not wish to have them considered as a basis for repaying this obligation.\n\nCo-Applicant\xe2\x80\x99s Full Name\nCity\nState\n\nCO-APPLICANT\xe2\x80\x99S INFORMATION\n\nHome Address (no P.O. Box allowed)\nCity\n\nSocial Security Number\n\nPrevious Address (if less than two years at current address)\nOwn/Rent\n\n\xe2\x96\xa1 Own \xe2\x96\xa1 Rent \xe2\x96\xa1 Other\n\nOther Income Source**\n\nEmployer\xe2\x80\x99s Phone Number\n\nIssue State\nDate of Hire\n\nExpiration Date\n\n$\n\nOccupation/Job Title\n\nIssue Date\n\nOther Income**\n\nState\n\nDriver\xe2\x80\x99s License or State ID Number\nEmployer\xe2\x80\x99s Name\n\n$\n\nEmployer\xe2\x80\x99s Address\nGross Monthly Income\n**\x07Alimony, child support and separate maintenance income need not be revealed if you do not wish to have them considered as a basis for repaying this obligation.\n\nBy signing below, you (1) apply for credit as set forth above, (2) warrant that all statements in this application are true and complete and (3) acknowledge receipt of an agree to all terms, conditions, and disclosures of this\napplication, including all terms, conditions and disclosures on the reverse side.\n\nRIGHT TO RESTRICT SERVICES AND ACCOUNT ACCESS\n\nYou agree we may, except as prohibited by applicable law, restrict, deny, suspend or terminate one or more of our services to you and/or your access to account funds in the event you shall\nfail to make timely payment as provided herein or any other loan agreement with us, or shall default under this or any other loan agreement with us. Without in any way limiting the foregoing,\nyou agree we may, under such circumstances and without limitation, restrict, deny, suspend or terminate your ability to conduct online banking transactions and/or access or withdraw funds\nthrough use of an ATM, a debit card or electronic means. The exercise of rights pursuant to this paragraph shall not be construed as limiting, in any way, our right to pursue other rights and\nremedies available under applicable law.\n\nCONSENT TO RECEIVE TELEMARKETING CALLS\n\nBy signing below, I also authorize the credit union and persons acting on behalf of the credit union to deliver or cause to be delivered to me, and I consent to receive, advertising and\ntelemarketing calls and text message at the telephone number(s) provided above, including calls using an automatic telephone dialing system and/or an artificial or prerecorded voice. I\nUNDERSTAND AND ACKNOWLEDGE I AM NOT REQUIRED TO SIGN THIS AUTHORIZATION AND CONSENT, OR ENTER INTO THIS AGREEMENT, AS A CONDITION OF PURCHASING\nANY PROPERTY, GOODS OR SERVICES. I acknowledge I may withhold such authorization and consent by striking through this paragraph at the time of the signing of this application or\nwithdraw such consent by written notice to you at Flordia Credit Union, Attn: Revoke Consent, P.O. Box 5158, Gainesville, FL 32627, by email to revokeconsent@flcu.org, by telephone at\n(800) 284-1144 or by any other reasonable means.\n\nAll you have to do is fill out the attached application\nand drop it by any Florida Credit Union branch or mail\nit, postage paid.\n\nDate\n\nSpecific Amount to Pay\n\n$\n\nSpecific Amount to Pay\n\n$\n\nFederally insured by NCUA\n\nAPPLY TODAY\n\nApplicant\xe2\x80\x99s Signature\n\nDate\n\nAccount Number\nAccount Number\n\nDate\n\n4. S\n\x07 et up for bi-weekly transfers from your FCU\nChecking account.\n\nX\n\nCo-Applicant\xe2\x80\x99s Signature\n\nPayment Address\nPayment Address\n\nCo-Applicant\xe2\x80\x99s Signature\n\nX\n\nFCU USE ONLY\nMember Number\nTeller Number\n\nPURCHASING\nPOWER IN YOUR\nPOCKET WITH\nTHE PROTECTION\nOF VISA\n\n(800) 284-1144\nflcu.org\n\n3. P\n\x07 ay your entire credit balance in full each month.\n\nWill my accounts be closed after my\nbalances are transferred to my FCU\nBusiness Visa Credit card? No. We will not\nautomatically close these accounts for you. You may\nclose these accounts by contacting the issuers after\nyour balance transfer is completed. Florida Credit\nUnion accounts are not eligible.\n\nMAILING ADDRESS\nP.O. Box 5549 \xe2\x80\xa2 Gainesville, FL 32627-5549\n\nImportant: No advance transaction fee will be\ncharged. Balance transfer amounts will accrue \xef\xac\x81nance\ncharges from the date we send the transfer amount\nyou requested to the other credit card issuer. Balances\ntransferred are not subject to a grace period.\n\n2. S\n\x07 et dollar amount you choose to pay each month,\nas long as it meets the minimum payment.\n\nLAKE CITY BRANCH\n586 W. Duval Street \xe2\x80\xa2 Lake City, FL\n(386) 755-4141\n\n1. M\n\x07 inimum payment* deducted depending on the\ncredit balance owed.\n\nMARICAMP BRANCH\n10 Bahia Avenue Lane \xe2\x80\xa2 Ocala, FL\n(352) 237-8222\n\nWant more flexibility? You can choose to have your\npayment automatically deducted out of your Florida\nCredit Union Checking account each month in one of\nfour ways:\n\nHow will my transfer(s) be shown on my new\naccount? Balance transfers will be posted to your\nnew account as an advance.\n\nCOUNTRY OAKS BRANCH\n9680 SW 114th Street \xe2\x80\xa2 Ocala, FL\n(352) 237-8222\n\nImportant: Please continue to make payments on\nall your existing accounts until you confirm with your\nother issuer that the balance transfer payment was\nmade. FCU is not responsible for any service charges\nor late fees which may be assessed on the account(s)\nlisted for balance transfer.\n\nSILVER SPRINGS ADVANTAGE CENTER\n3504 E. Silver Springs Boulevard \xe2\x80\xa2 Ocala, FL\n(352) 237-8222\n\nBest of all, your new FCU Visa Credit Card gives you\nflexibility on your monthly payments. You can make\nyour monthly payment online, by mail or in person at\nany Florida Credit Union branch. Also, choose your\npayment schedule to be made on the 7th or 21st day\nof each month.\n\nHow long will it take to process my transfer\nrequest? After your account is opened and you\nreceive your card(s), the balance transfer(s) will be\nprocessed within 30 days.\n\nNORTH DELAND BRANCH\n1735 N. Woodland Boulevard \xe2\x80\xa2 North DeLand, FL\n(386) 738-4717\n\nPAYMENT OPTIONS\n\nHAILE MARKET SQUARE BRANCH\n2785 SW 91st Street \xe2\x80\xa2 Gainesville, FL\n(352) 377-4141\n\nHow much can I transfer? You may transfer\nbalances up to your credit line. If your request(s)\nexceed the amount of your credit line, FCU will fulfill\nyour requests in numeric order as listed in your\nresponse, may decline to process one or more\nrequests, and/or may complete one request in a partial\namount. You will be notified if for any reason we are\nnot able to process your balance transfer request.\n\nBUTLER PLAZA NORTH BRANCH\n2803 SW 42nd Street \xe2\x80\xa2 Gainesville, FL\n(352) 377-4141\n\nVISA\nCREDIT\nCARDS\nImportant: Balances cannot be transferred without\ncomplete and accurate information.\n\n13TH STREET ADVANTAGE CENTER\n3720 NW 13th Street \xe2\x80\xa2 Gainesville, FL\n(352) 377-4141\n\nComplete the attached Balance Transfer Form.\n\n43RD STREET BRANCH\n2831 NW 43rd Street \xe2\x80\xa2 Gainesville, FL\n(352) 377-4141\n\nHOW DO I TRANSFER BALANCES?\n\nRev. 8/17\n\n*\x07Minimum monthly payment due is 2% of the balance owed or $20.00,\nwhichever is greater.\n\nX\n\nBALANCE TRANSFER REQUEST\nCreditor #1 Name\nCreditor #2 Name\n\nPhone\n\nReturn application to any FCU branch or mail to P.O. Box 5549, Gainesville, FL 32627.\n\nDate\n\nIf this card application is approved, the Applicant hereby requests credit card advances to pay the following specified amounts to the third party credit card accounts specified below. Applicant understands that Florida Credit\nUnion will not terminate such third party credit card accounts and will not comply with any balance transfer request if the card application is not approved or the balance transfer request would exceed the available card limit\napproved by the Credit Union.\n\nApplicant\xe2\x80\x99s Signature\n\nX\n\nMERCHANT USE ONLY\nName\nPlan \xe2\x96\xa1 6 \xe2\x96\xa1 12 \xe2\x96\xa1 24 \xe2\x96\xa1 36\n\nAll residents of your county can join\nFlorida Credit Union.\n\n\x0cFlorida Credit Union\xe2\x80\x99s value-packed Visa program is a\ngreat way to make purchases, obtain cash advances,\nor consolidate high-interest rate credit cards. With no\nannual fee and low rates, FCU\xe2\x80\x99s Visa Credit Card is\namong the best in the market.\nFCU\xe2\x80\x99s Visa Credit Cards offer:\n\xe2\x80\xa2N\n\x07 o annual fee on most cards\n\xe2\x80\xa2 \x07Non-variable rate options\n\xe2\x80\xa2 \x07EMV chip technology for increased security\n\xe2\x80\xa2 \x07Credit limits to fit your needs\n\xe2\x80\xa2 \x07A low monthly minimum payment\n\xe2\x80\xa2 \x07Transaction Visa Alerts sent via email and/or text\n\xe2\x80\xa2 \x07Monthly eStatements via FCU\xe2\x80\x99s Online Banking\n\xe2\x80\xa2 \x0725-day grace period on purchases\n\xe2\x80\xa2 \x07No-fee cash advance options\n\xe2\x80\xa2 \x07Online access to view your account history and\npay balances\n\xe2\x80\xa2 \x07Extra cards for family members\n\xe2\x80\xa2 \x07Emergency card replacement\n\nCHOOSE YOUR CARD DESIGN\nMake your card as unique as you are! FCU\xe2\x80\x99s Visa\nprograms include endangered species cards (sea turtle,\nmanatee, Florida panther), the Visa Wave rewards card,\nand the option to design your own.\nWant to make your FCU Visa card one of a kind? You\ncan customize it in a few simple steps with your own\nphoto\xe2\x80\x94or choose from hundreds of images online.\nGive your card the exclusiveness it deserves!\n\nVISA WAVE CREDIT CARD\nAre you stuck with a credit card rewards program that\ndoesn\xe2\x80\x99t offer the rewards you\xe2\x80\x99re looking for? If so,\nFCU\xe2\x80\x99s Visa Wave Credit Card rewards program delivers\nperks and benefits few cards can match. The Visa\nWave Credit Card offers all the features of our other Visa\ncards, plus:\n\xe2\x80\xa2 \x07Cash back rewards\n\xe2\x80\xa2 \x07Premium rewards points for merchandise, gift cards\nand travel\n\nCUREWARDS\xc2\xae\n\nVERIFIED BY VISA\n\nSome FCU Visa credit card programs earn CURewards\npoints. If you choose one of these programs, there\nis added benefit to using your FCU card for all your\npurchases. Every time you do, you\xe2\x80\x99ll earn CURewards\npoints for the dollars you spend. Redeem your points\nfor quality gifts such as HDTVs, golf clubs, gifts cards,\nor even travel.\n\nVerified by Visa:\n\xe2\x80\xa2P\n\x07 revents unauthorized use of your FCU Visa Credit\nCard or Debit Card\n\xe2\x80\xa2 \x07Reduces the possibility of identity theft\n\xe2\x80\xa2 \x07Decreases the chances of fraudulent activity on your\nFCU Visa Credit Card account\n\nYour monthly statement will report the points you have\naccumulated. Also, look for CURewards gift updates in\nyour monthly Florida Credit Union Visa statements or\ngo to curewards.com for a complete listing of benefits\nand gifts.\n\nReturn application to any FCU branch, fax to (352) 374-1906 or mail to\nFlorida Credit Union, P.O. Box 5549, Gainesville, FL 32627.\n\nFederal law provides important protections to members of the Armed Forces and their dependents relating to 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 annual percentage rate of 36 percent. The rate must include, as applicable to the credit transaction or account:\nThe cost associated with credit insurance premium; fees for ancillary products 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 credit card account).\n\nAS A CONDITION OF CREDIT UNION\xe2\x80\x99S OPENING CREDIT CARD ACCOUNT AND YOUR USE OF THE CARD, THE APPLICANT HEREBY GRANT TO CREDIT UNION A SECURITY\nINTEREST IN ALL SHARES, DEPOSITS AND OTHER FUNDS ON DEPOSIT WITH CREDIT UNION IN WHICH YOU HAVE AN OWNERSHIP INTEREST, (other than an IRA account\nor an account where this security interest would cause the loss of tax-exempt or tax-deferred status). THE SECURITY INTEREST FOR ALL AMOUNTS OWED TO CREDIT UNION\nUNDER THE TERMS OF THE CREDIT CARD ACCOUNT AGREEMENT. IF YOU ARE IN DEFAULT UNDER ANY TERM OF THE CREDIT CARD ACCOUNT, YOUR SHARES, DEPOSITS\nAND/OR OTHER FUNDS WITHOUT NOTICE OR DEMAND TO YOU AND TO APPLY SUCH FUNDS TO THE AMOUNTS OWED TO CREDIT UNION.\n\nCertification Instructions. Cross out item 2 above if you have been notified by the IRS that you are currently subject to backup withholding because you have failed to report all interest\nand dividends on your tax return. Cross out item 3 and complete a W-8 BEN if you are not a U.S. person. By signing, the Applicant hereby (a) applies for membership in the Florida Credit\nUnion (\xe2\x80\x9cCredit Union\xe2\x80\x9d), (b) requests the opening of a Credit Union share/savings account with the Joint Applicant (if any) as a joint owner with rights of survivorship, and (c) requests credit from\nCredit Union in the amount/credit limit indicated above, and (d) agrees to all terms, conditions, representations and disclosures of this Application. If a Joint Applicant has signed, the Joint\nApplicant hereby (a) requests the opening of a Credit Union share/savings account with the Applicant (if any) as a joint owner with rights of survivorship, (b) requests joint credit with Applicant\nfrom Credit Union in the amount/credit limit indicated above and (c) agrees to all terms, conditions, representations and disclosures of this Credit Application. The person(s) understand and\nagree that Credit Union will review this Application and, in Credit Union\xe2\x80\x99s sole discretion, determine whether to (a) extend an advance under an open-end credit plan using the Credit Union\xe2\x80\x99s\nCredit and Security Agreement or (b) extend a Credit Union credit card account or (c) deny this Application in Credit Union\xe2\x80\x99s sole discretion. The Florida Credit Union credit card disclosure\ninformation included with this Application only apply to the Credit Union credit card account. If Credit Union decides to extend an advance under an open-end credit plan using the Credit\nUnion\xe2\x80\x99s Credit and Security Agreement, you will receive and be required to sign the Credit and Security Agreement and any additional documents required by Credit Union. If Credit Union\ndecides to extend a Credit Union credit card account, (a) you will receive the credit card account agreement before you can receive any advances under the credit card account and (b) you\nagree that your signature(s) and your use of the credit card account constitute agreement to the credit card account agreement.\n\n(3) I am a U.S. person (including a U.S. resident alien).\n\n(2) I\x07 am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal Revenue Service (IRS) that I am\nsubject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified me that I am no longer subject to backup withholding, and\n\nVisa Wave\nInterest Rates and Interest Charges\nAnnual Percentage\nto\nRate (APR) for\nwhen you open your\nPurchases\naccount, based on your\ncreditworthiness. After\nthat, your APR will vary\nbased on the Prime Rate.\nAPR for Balance\nintroductory APR\nTransfers\nfor six (6) months.\nThereafter,\nto\nbased on your\ncreditworthiness. This\nAPR will vary based on\nthe Prime Rate.\nAPR for Cash Advances\nEffective August 1, 2017\n\n\xe2\x80\xa2 \x07Balance transfer opportunity\n\nProtect yourself and your online prurchases with Verified\nby Visa. Using a personal password, Verified by Visa\nallows participating merchants to verify your identity\nbefore completing an online transaction. It\xe2\x80\x99s safe,\nconvenient, and best of all, it\xe2\x80\x99s free.\n\n(1) T\n\x07 he number shown on this form is my correct taxpayer identification number,\n\nCREDIT REPORT AUTHORIZATION\n\nVISA\xc2\xae CREDIT CARDS\n\nUnder penalties of perjury, I certify that:\n\nSEAL ALL SIDES SECURELY WITH TAPE BEFORE MAILING\n\nFLORIDA CREDIT UNION\nLOAN PROCESSING DEPARTMENT\nPO BOX 5549\nGAINESVILLE FL 32627-9985\n\nPURCHASING\nPOWER IN YOUR\nPOCKET WITH\nTHE PROTECTION\nOF VISA\n\nTIN CERTIFICATION AND BACKUP WITHHOLDING INFORMATION\n\n\xc2\xae\n\nBy signing the application you authorize the credit union to check your employment and credit history and to obtain credit reports in connection with any request for membership or credit,\nincluding any update, increase, renewal, extension or collection of credit you receive. If you request, the credit union will tell you the name and address of any credit bureau from which it\nreceived a credit report on you. The credit union will rely on information you have provided. By signing, you affirm that all information on this document or that has been provided elsewhere\nis correct.\n\nVISA\nCREDIT\nCARDS\n\nVisa Platinum Rewards Visa Platinum Rate\n\nFresh Start Visa\n\n13.15% 17.9% 10.9% to 17.9% 8.9% to 17.9% 17.9% when you\n\n0%\n\n13.15%\n17.9%\n\nPenalty APR and When\nIt Applies\nHow to Avoid Paying\nInterest on Purchases\nMinimum Interest Charge\nFor Credit Card Tips form\nthe Consumer Financial\nProtection Bureau\nFees\nAnnual Fee\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\n17.9%\nNone\n\nwhen you open your\naccount, based on your\ncreditworthiness.\n\nwhen you open your\naccount, based on your\ncreditworthiness.\n\nopen your account, based\non your creditworthiness.\n\n10.9% 17.9% 8.9% to 17.9% 17.9% when you\n\nto\nwhen you open your\naccount, based on your\ncreditworthiness.\n\nwhen you open your\naccount, based on your\ncreditworthiness.\n\nopen your account, based\non your creditworthiness.\n\n17.9%\n\n17.9%\n\n17.9%\n\nNone\n\nNone\n\nNone\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you interest on\npurchases if you pay your entire balance by the due date each month.\nIf you are charged interest, the charge will be no less than $1.50.\nTo learn more about factors to consider when applying for or using a credit card, visit the website\nof the Consumer Financial Protection Bureau at http://www.consumerfinance.gov.learnmore\nNone\n\nNone\n\nNone\n\n$100.00\n\nThe greater of $50 or\n5% of the amount of\neach transfer\nThe greater of $20 or\n3% of the amount of\neach cash advance\n1% of each transaction in\nU.S. Dollars\n\nNone\n\nNone\n\nNone\n\nNone\n\nNone\n\nNone\n\nUp to $35.00\nUp to $35.00\nUp to $35.00\n\nUp to $35.00\nUp to $35.00\nUp to $35.00\n\n1% of each transaction in 1% of each transaction in 1% of each transaction in\nU.S. Dollars\nU.S. Dollars\nU.S. Dollars\nUp to $35.00\nUp to $35.00\nUp to $35.00\n\nUp to $35.00\nUp to $35.00\nUp to $35.00\n\nOther Fees\n$25.00\n$25.00\n$25.00\n$25.00\n\xe2\x80\xa2 Card Replacement\n$15.00 (Priority Handling) $15.00 (Priority Handling) $15.00 (Priority Handling) $15.00 (Priority Handling)\n\xe2\x80\xa2 Rush Mail\n$35.00\n$35.00\n$35.00\n$35.00\n\xe2\x80\xa2 \x07Balance Consolidation/\nConvenience Check Stop\nPayment\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d See your Account Agreement for\nmore details.\nBilling Rights: Information on your rights to dispute transaction and how to exercise those right is provided in your account agreement.\nThe information about the cost of the card described in this application is accurate as of August 2017. This information may have changes after the date. To\nfind out what may have changed, call us at (800) 284-1144.\n\n\x0c'


b'Credit Card Agreement and Disclosure\nINTEREST RATES AND INTEREST CHARGES\nANNUAL PERCENTAGE RATE\nfor Purchases\n\n{} VISA Secured 6.50%\n{} VISA Classic 8.90% \xe2\x80\x93\n\n18.00% **\n\n2.90% Promotional APR for 12 months. After that, your APR will be 6.50%\n{} VISA Classic 2.90% Promotional APR for 12 months. After that, your APR will be 8.90% \xe2\x80\x93\n18.00% **\n{} VISA Secured 6.50%\n{} VISA Classic 8.90% \xe2\x80\x93 18.00% **\n{} VISA Secured\n\nANNUAL PERCENTAGE RATE\nfor Balance Transfers\n\nANNUAL PERCENTAGE RATE\nfor Cash Advances\nHow To Avoid Paying\nInterest on Payments\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you interest on\npurchases if you pay your entire balance by the due date each month.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $.50.\n\nFor Credit Card Tips From\nthe Consumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http://www.consumerfinance.gov./learnmore\n\nFEES\nSet-up And Maintenance Fees\nAnnual Fee\nTransaction Fees\nBalance Transfer Fee\nForeign Transaction Fees\nPenalty Fees\nLate Payment\nReturned Payment\n\nNONE\nNONE\n1% of transaction amount/foreign\nUp to $25.00\nUp to $30.00\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cAverage Daily Balance (including new purchases)\xe2\x80\x9d.\nSee your agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your agreement.\n**ANNUAL PERCENTAGE RATE is based on your credit history.\n\n2013 ConmarSystems, Peachtree City, GA 30269 \xe2\x80\x93 EFORM 19114-2 Rev. 10/15\n\n\x0cIn this Agreement the words "you" and "your" mean each and all of those who agree to be bound\nby this Agreement; "Card" means the VISA Credit Card and any duplicates, renewals, or\nsubstitutions FedEx Employees Credit Association issues to you; "Account" means your VISA\nCredit Card line of credit account with FedEx Employees Credit Association, and whose name\nappears on this Agreement or anyone to whom FedEx Employees Credit Association transfers\nthis Agreement.\n1. Using Your Account. If you are approved for an Account, FedEx Employees Credit\nAssociation will establish 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, finance charges,\nplus "other charges") that you will have outstanding on your Account at any time. Each payment\nyou make to your Account will restore your credit limit by the amount of the payment, unless you\nare over your credit limit. If you are over your credit limit, you must pay the amount you are over\nbefore payments will begin to restore your credit limit. You may request an increase in your\ncredit limit only by a method acceptable to FedEx Employees Credit Association.\nFedEx Employees Credit Association has the right to reduce your credit limit, refuse to make an\nadvance and/or terminate your Account at any time for any reason not prohibited by law.\n2. Using the VISA Card. You may use your Card to make purchases from merchants and others\nwho accept VISA Cards. However, you may not use your Card to initiate any type of electronic\ngambling transaction through the internet. In addition, you may obtain cash advances from\nFedEx Employees Credit Association and from other financial institutions that accept VISA\nCards, and from some automated teller machines Cirrus (ATMs), (Not all Cirrus ATMs accept\nVISA Cards.) To obtain cash advances from an Cirrus ATM, you must use the Personal\nIdentification Number (PIN) that is issued to you for use with your Card. You may use your Visa\nCard to conduct any transaction or obtain any FedEx Employees Credit Association service\npermitted by law. You agree that the use of the Visa Card to obtain a service or effect a\ntransaction that is illegal under the law of any jurisdiction where originated, effected or\naccomplished will be a default and breach of this Agreement. We may terminate the access to\nthe service or withdraw the right to use the Visa Card and/or demand the return of all Visa Cards\nor other access devices issued to you. If illegal use of your Visa Card occurs, you waive the\nright to sue us and agree to indemnify and hold us harmless from any suits or other legal action\nor liability which may be asserted, directly or indirectly, against us arising out of or resulting from\nthe illegal use of the Visa Card.\n3. Responsibility. You agree to pay all charges (purchases and cash advances) to your\nAccount that are made by you or anyone whom you authorize to use your Account. You also\nagree to pay all finance charges and other charges added to your Account under the terms of\nthis Agreement or another agreement you made with FedEx Employees Credit Association. If\nthis is a joint Account, Section 17 of this Agreement also applies to your Account.\n4. Finance Charges. New purchases posted to your account during a billing cycle will not incur\na finance charge for that billing cycle if you had a zero or credit balance at the beginning of that\nbilling cycle or you paid the entire New Balance on the previous cycle\xe2\x80\x99s billing statement by the\nPayment Due Date of that statement; otherwise a finance charge will accrue from the date a\npurchase is posted to your account. To avoid an additional finance charge on the balance of\npurchases, you must pay the entire New Balance on the billing statement by the Payment Due\nDate of that statement. A finance charge begins to accrue on cash advances from the date you\nget the cash advance or from the first day of the billing cycle in which the cash advance is posted\nto your account, whichever is later.\nThe finance charge is calculated separately for purchases and cash advances. For purchases,\nthe finance charge is computed by applying the monthly periodic rate to the average daily\nbalance of purchases. To get the average daily balance of purchases, we take the beginning\noutstanding balance of purchases each day, add any new purchases and subtract any payments\nand/or credits. This gives us the daily balance of purchases. Then we add all the daily balances\nof purchases for the billing cycle together and divide the total by the number of days in the billing\ncycle. This gives us the average daily balance of purchases.\nFor cash advances, the finance charge is computed by applying the monthly periodic rate to the\naverage daily balance of cash advances. To get the average daily balance of cash advances,\nwe take the beginning outstanding balance of cash advances each day, add in any new cash\nadvances, and subtract any payments and/or credits that we apply to the cash advance balance.\nThis gives us the daily balance of cash advances. Then we add all the daily balances of cash\nadvances for the billing cycle together and divide the total by the number of days in the billing\ncycle. This gives us the average daily balance of cash advances.\nThe ANNUAL PERCENTAGE RATE for your Card is based on certain creditworthiness criteria.\nFor our VISA Classic Card, the monthly periodic rate for purchases and cash advances is\n0.7417% - 1.50%, which is an ANNUAL PERCENTAGE RATE of 8.90% - 18.00%. Balance\nTransfers promotional monthly periodic rate is 0.02417%, which is and ANNUAL\nPERCENTAGE RATE of 2.90% for 12 months. After the promotional period, the monthly\nperiodic rate is 0.7417% - 1.50% which is an ANNUAL PERCENTAGE RATE of 8.90% 18.00%.\nFor our VISA Secured Card, the monthly periodic rate for purchases and cash advances is\n0.5417%, which is an ANNUAL PERCENTAGE RATE of 6.50%. Balance Transfers promotional\nmonthly periodic rate is 0.02417%, which is and ANNUAL PERCENTAGE RATE of 2.90% for\n12 months. After the promotional period, the monthly periodic rate is 0.5417% which is an\nANNUAL PERCENTAGE RATE of 6.50%.\n5. Other Charges. The following other charges (fees) will be added to your Account, as\napplicable:\na) Late Payment Fee: If you are 10 days or more days late in making a payment, a late charge\nup to $25.00 will be added to your account.\n2013 ConmarSystems, Peachtree City, GA 30269 \xe2\x80\x93 EFORM 19114-2 Rev. 10/15\n\nb) Return Payment Fee: If a check or share draft used to make a payment on your account is\nreturned unpaid, you will be charged a fee, up to $30.00 for each item returned.\nc) Card Replacement Fee: You will be charged $15.00 for each replacement card that you\nrequest.\nd) Document Copy Fee: You will be charged $2.00 per statement plus $15.00 per hour for each\nstatement that you request (except when the request is made in connection with a billing error\nmade by FedEx Employees Credit Association).\ne) Collection Costs: To the extent permitted by law, you agree to pay all costs of collecting the\namount you owe under this Agreement, including court costs and attorney\xe2\x80\x99s fees.\nf) Rush Delivery Fee: For normal production, rush delivery is $17.00. additional fees may apply\nto weekend delivery if available.\n6. Payments. Each month you must pay at least the minimum payment shown on your\nstatement by the date specified on the statement or no later than 25 days from the statement\nclosing date, whichever is later. If your statement says the payment is "Now Due," your payment\nis due no later than 25 days from the statement closing date. You may pay more frequently, pay\nmore than the minimum payment or pay the Total New Balance in full. If you make extra or\nlarger payments, you are still required to make at least the minimum payment each month\nyour Account has a balance (other than a credit balance). The minimum payment is 3% of your\nTotal New Balance, or $25.00 whichever is greater, plus the amount of any prior minimum\npayments that you have not made, and any amount you are over your credit limit. FedEx\nEmployees Credit Association also has the right to demand immediate payment of any amount\nby which you are over your credit limit.\n7. Payment Allocation. Payments when paid during a billing cycle will be applied to amounts\noutstanding at the time payment is received in the following order: Unpaid interest, other\ncharges, previous cash advances, balance transfers and current purchases. Payment amounts\nin excess of your minimum payment will be applied first to balances with the highest Annual\nPercentage Rate until that balance is paid off and then to balances with the next highest Annual\nPercentage Rate until those balances are paid off.\n8. Security Interest. To secure your credit card account, you grant us a purchase money\nsecurity interest in any goods you purchase through the account. If you default, we will have the\nright to recover any of these goods which have not been paid for. As a condition for the approval\nof your credit card account you grant us a specific pledge of your FedEx Employees Credit\nAssociation shares (deposits) and checking account(s), excepting those accounts that would\nhave an adverse tax consequence if pledged as collateral. Collateral securing other loans you\nhave with FedEx Employees Credit Association may also secure this loan, except that your\nhome will never be considered as security for this Account notwithstanding anything to the\ncontrary in any other agreement.\nPLEDGE OF SHARE AND SHARE DRAFT (CHECKING) ACCOUNT(S)\xe2\x80\x94NOTE: YOU\nPLEDGE TO US AND GRANT A SECURITY INTEREST IN ALL INDIVIDUAL AND JOINT\nACCOUNTS YOU HAVE WITH US NOW AND IN THE FUTURE, TO SECURE YOUR\nCREDIT CARD ACCOUNT. YOU AUTHORIZE US TO APPLY THE BALANCE IN THESE\nACCOUNT(S) TO PAY ANY AMOUNTS DUE UNDER THIS AGREEMENT IF YOU SHOULD\nDEFAULT.\n9. Default. You will be in default if you fail to make any minimum payment or other required\npayment by the date that it is due. You will be in default if you break any promise you make\nunder this Agreement. You will be in default if you die, file for bankruptcy or become insolvent,\nthat is, unable to pay your obligations when they become due. You will be in default if you make\nany false or misleading statements in any credit application or credit update. You will also be in\ndefault if something happens that FedEx Employees Credit Association believes may\nsubstantially reduce your ability to repay what you owe.\nWhen you are in default, FedEx Employees Credit Association has the right to demand\nimmediate payment of your full Account balance without giving you notice. If immediate payment\nis demanded, you agree to continue paying finance charge, at the periodic rate charged before\ndefault, until what you owe has been paid, and any shares that were given as security for your\nAccount may be applied towards what you owe.\n10. Unauthorized Use\xe2\x80\x94Lost/Stolen Card Notification. You have no liability for the\nunauthorized use of your card. If you believe your card has been lost or stolen, notify FedEx\nEmployees Credit Association orally or by calling (800) 991-4964 twenty four hours a day or in\nwriting at 2731 Nonconnah Blvd., Memphis, TN 38132.\n11. Changing or Terminating Your Account. Upon notice to you as required by law, the terms\nand conditions in this Agreement may be amended by FedEx Employees Credit Association at\nany time. The amendment shall govern any transactions occurring prior to the effective date of\nthe amendment, as to which there is an unpaid balance owing on the effective date of the\namendment and the amendment shall also govern any transaction occurring after such effective\ndate. Upon notice of amendment, you will have the right to surrender your Card, whereupon you\nmay continue to pay off your account in the same manner and under the same terms and\nconditions as then in effect. Your failure to surrender the Card prior to the effective date of the\namendment shall constitute consent to the amendment.\n12. Credit Information. You authorize FedEx Employees Credit Association to investigate your\ncredit standing when opening or reviewing your Account. You authorize FedEx Employees\nCredit Association to disclose information regarding your Account to credit bureaus and\ncreditors who inquire about your credit standing.\n13. Returns and Adjustments. Merchants and others who honor your Card may give credit for\nreturns or adjustments, and they will do so by sending FedEx Employees Credit Association a\ncredit slip which will be posted to your Account. If your credits and payments exceed what you\nowe FedEx Employees Credit Association, the amount will be applied against future purchases\n\n\x0cand cash advances. If the credit balance amount is $1 or more, it will be refunded upon your\nwritten request or automatically after six months.\n14. Additional Benefits/Card Enhancements. FedEx Employees Credit Association may from\ntime to time offer additional services to your Account, such as travel accident insurance, at no\nadditional cost to you. You understand that FedEx Employees Credit Association is not obligated\nto offer such services and may withdraw or change them at any time.\n15. Foreign Transactions. Purchases and cash advances made in foreign countries and\nforeign currencies will be billed to you in U.S. dollars. The conversion rate to U.S. dollars will be\ndetermined in accordance with the operating regulations established by VISA International.\nCurrently the currency conversion rate used to determine the transaction amount in U.S. dollars\nis either a government-mandated rate or the wholesale market rate in effect one day prior to the\ntransaction processing date, increased by one-percent. The currency conversion rate used on\nthe processing date may differ from the rate that would have been used on the purchase date\nor cardholder statement posting date.\n16. Merchant Disputes. FedEx Employees Credit Association is not responsible for the refusal\nof any merchant or financial institution to honor your Card. FedEx Employees Credit Association\nis subject to claims and defenses (other than tort claims) arising out of goods or services you\npurchase with the Card if you have made a good faith attempt but have been unable to obtain\nsatisfaction from the merchant or service provider, and (a) your purchase was made in\nresponse to an advertisement FedEx Employees Credit Association sent or participated in\nsending to you; or (b) your purchase cost more than $50 and was made in your state or within\n100 miles of your home.\n17. Joint Accounts. If this is a joint Account, each person on the Account must sign the\nApplication for Credit Card. Each of you will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that FedEx Employees Credit Association\ncan require any one of you individually to repay the entire amount owed under this Agreement.\nEach of you authorizes the other(s) to make purchases or cash advances individually. Any one\nof you may terminate the Account and the termination will be effective as to all of you.\n18. Effect of Agreement. This Agreement is the contract which applies to all transactions on\nyour Account even though the sales, cash advances, credit or other slips you sign or receive\nmay contain different terms.\n19. No Waiver. FedEx Employees Credit Association can delay enforcing any of its rights any\nnumber of times without losing them.\n20. Statements and Notices. Statements and notices will be mailed to you at the most recent\naddress you have given FedEx Employees Credit Association. Notice sent to any one of you\nwill be considered notice to all.\n21. Final Expression. This Agreement is the final expression of the terms and conditions of this\nVISA line of credit between you and FedEx Employees Credit Association. This written\nAgreement may not be contradicted by evidence of any alleged oral agreement.\n22. Copy Received. You acknowledge that you have received a copy of this Agreement.\n23. Savings Clause. If any of the provisions of this Agreement shall be invalid or unenforceable,\nthen this Agreement shall be construed as if it did not contain the provisions and FedEx\nEmployees Credit Association\xe2\x80\x99s right and your obligations shall be construed and enforced\naccordingly.\n\nYOUR BILLING RIGHTS\n\n2013 ConmarSystems, Peachtree City, GA 30269 \xe2\x80\x93 EFORM 19114-2 Rev. 10/15\n\nKeep This Notice For Future Use\nThis notice contains important information about your rights and our responsibilities under the\nFair Credit Billing Act.\nNOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR BILL\nIf you think your bill is wrong, or if you need more information about a transaction on your bill,\nwrite us on a separate sheet at the address listed on your bill. Write to us as soon as possible.\nWe must hear from you no later than 60 days after we sent you the first bill on which the error\nor problem appeared. You can telephone us, but doing so will not preserve your rights.\nIn your letter, give us the following information:\n\xe2\x80\xa2 Your name and account number.\n\xe2\x80\xa2 The dollar amount of the suspected error.\n\xe2\x80\xa2 Describe the error and explain, if you can, why you believe there is an error. If you need more\ninformation, describe the item you are not sure about.\nIf you have authorized us to pay your credit card bill automatically from your share account or\nshare draft account, you can stop the payment on any amount you think is wrong. To stop the\npayment your letter must reach us three business days before the automatic payment is\nscheduled to occur.\nYOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN\nNOTICE\nWe must acknowledge your letter within 30 days, unless we have corrected the error by then.\nWithin 90 days, we must either correct the error or explain why we believe the bill was correct.\nAfter we receive your letter, we cannot try to collect any amount you question or report as\ndelinquent. We can continue to bill you for the amount you question, including finance charges,\nand we can apply any unpaid amount against your credit limit. You do not have to pay any\nquestioned amount while we are investigating, but you are still obligated to pay the parts of your\nbill that are not in question.\nIf we find that we made a mistake on your bill, you will not have to pay any finance charges\nrelated to any questioned amount. If we didn\'t make a mistake, you may have to pay finance\ncharges, and you will have to make up any missed payments on the questioned amount. In\neither case, we will send you a statement of the amount you owe and the date that it is due.\nIf you fail to pay the amount that we think you owe, we may report you as delinquent. However,\nif our explanation does not satisfy you and you write to us within 10 days telling us that you still\nrefuse to pay, we must tell anyone we report you to that you have a question about your bill.\nAnd, we must tell anyone we report you to that the matter has been settled between us when it\nfinally is. If we don\'t follow these rules, we can\'t collect the first $50 of the questioned amount,\neven if your bill was correct.\nTO REPORT LOST OR STOLEN CARDS, CALL (800) 991-4964 SPECIAL RULE FOR\nCREDIT CARD PURCHASES\nIf you have a problem with the quality of property or services that you purchased with a credit\ncard, and you have tried in good faith to correct the problem with the merchant, you may have\nthe right not to pay the remaining amount due on the property or services. There are two\nlimitations on this right:\n(a) You must have made the purchase in your home state or, if not within your home state,\nwithin 100 miles of your current mailing address; and\n(b) The purchase price must have been more than $50.\nThese limitations do not apply if we own or operate the merchant, or if we mailed you the\nadvertisement for the property or service.\n\n\x0c'