OTHER:
                                                                                                                                    M-98821
                       Table 1 - Finance Charge and Fee Disclosure       You understand and agree that the Credit Union may, at its option, require 
                                                                                                      
                                                                         an updated credit application at any time.
                                                                                                      
    Description                        Interest Rates and Interest Charges The Credit Union will not be responsible for merchandise or services 
                                                                                                                              
                                                                         purchased by you with the card unless required by law.
                                                                                                                              
    FICA Scores      760 or greater       730 to 759        690 to 729        650 to 689      649 or below        No score The Credit Union will not be responsible for the refusals of any person to 
                                                                                                                              
                                                                         honor the card or if you are not able to use the card at an ATM machine.
                                                                                                                              
                                                                         If  any  part  of  this Agreement  shall  be  invalid  or  unenforceable,  the 
    Annual Percentage Rate (APR) for                                                                                          
                                                                         remainder of the Agreement will remain in full force and effect.
    Purchases, Balance Transfers, and Cash                                                                                    
    Advances                8.9%  10.9%  13.9%  15.9% 18.9% 15.9%        The  Credit  Union  may  delay  enforcing  any  of  its  rights  under  this 
                                                                         Agreement any number of times without losing the ability to exercise its   
                                                                                                                              
                                Rates shown above are effective from January 19, 2010 to July 18, 2010 rights later.
                                                                                                              PLATINUM VISA� CREDIT CARD
                                                                         The Credit Union can enforce this Agreement against your heirs or legal   
                                            Margin rates
                                                                         representatives.                      AGREEMENT / DISCLOSURE  
                               5.65%                 7.65%               10.65%               12.65%              15.65%           12.65% This Agreement shall be construed according to the laws of the State   
                                                                         of Florida. You agree that venue for any action brought pursuant to this   
                         APR is determined by adding the above margin rate for the appropriate FICO Score range that  Agreement shall be in Broward County, Florida, Effective January 19, 2010  
                         depicts your credit score in April of each year, to the Wall Street Prime as published in the        
                                                                                                            AGREEMENT:
                         Wall Street Journal on June 30th of each year.  Actual APR can never be less than 8%.                
                                                                                                            This agreement contains the terms and conditions of your CCCU Visa�   
                                                                                YOUR BILLING RIGHTS:
    Paying Interest         Your Payment due date is at least 25 days after the close of each billing cycle.  We will    Platinum Credit Card and associated credit card account.
                                                                                 KEEP THIS NOTICE FOR FUTURE USE
                            not charge you interest on purchases if you pay your entire balance by the due date    In this agreement the words �you�, �your�, and �cardholder�, means the     
                                                                           This notice contains important information about your rights and our 
                            each month.  We will begin charging interest on cash advances and balance transfers on   applicant and co-applicant (if any).  �Primary Cardholder� refers to the ?rst   
                                                                              responsibilities under the Fair Credit Billing Act.
                                                                                                            name on the account.  �Agent� refers to any person authorized by you to 
                            the transaction date.
                                                                                                            use your card.  The words �we�, �our�,�us�, �issuer�, �CCCU� or �Credit 
                                                                             NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR BILL
    Minimum Interest Charge       If you are charged interest, the charge will be no less than $1.50
                                                                         If you think your bill is wrong, or if you need more information about a transaction  Union� mean City County Credit Union of Fort Lauderdale. 
    Credit Card Tips from the Federal Reserve     To learn more about factors to consider when applying for or using a credit card, visit the   on your bill, write to us on a separate sheet at the address listed on your statement.   The term APR refers to Annual Percentage Rate.
                            web site of the Federal Reserve Board at http://www.federalreserve.gov/creditcard. Write to us as soon as possible. We must hear from you no later than 60 days after 
                                                                         we sent you the ?rst statement on which the error or problem appeared. You can  ACCEPTANCE OF THIS AGREEMENT:
                                                                         telephone us, but doing so will not preserve your rights. You agree to the terms and conditions of this Agreement when you or an 
    Description                             Fees                         In your letter, give us the following information authorized agent uses the credit card account, or you do not return the credit 
                                                                         �  Your name and account number    card (cut in half) to us within 30 days from the date of issue.
                                                                         �  The dollar amount of the suspected error.
    Annual Fee                                      None                 �  Describe the error and explain why you believe there is an error. If you need 
                                                                                                            CARD USE:
                                                                            more information, describe the item in question.
    Transaction Fees:                                                    If you have authorized us to pay your credit card payment automatically from your  You can use your credit card account for personal, family or household 
      Balance Transfer                      None                         savings or checking account, you can stop the payment on any amount you think is  purposes  only.  You  may  not  use  your  credit  card  for  any  unlawful 
      Cash Advance                          None                         wrong.  To stop the payment, your letter must reach us three business days before  transaction or purposes not permitted by state or federal law, including on-
      Foreign Transaction                   3% of each transaction in U.S. dollars the automatic payment is scheduled to occur. line gambling.
      Purchase Transaction                  None
                                                                             YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER  CREDIT LIMIT / LINE OF CREDIT:
    Penalty Fees:                                                               WE RECEIVE YOUR WRITTEN NOTICE You have been issued a credit card account with a speci?c credit limit or line 
      Late Payment                           $32                         We must acknowledge your letter within 30 days, unless we have corrected the error  of credit. You shall be noti?ed of that credit limit when the card is issued 
                                                                         by then. Within 90 days, we must either correct the error or explain why we believe 
      Returned Payment                       $10                                                            and the credit limit will appear on your monthly credit card statement.
                                                                         the statement was correct.
                                                                                                            You give us permission to verify your credit record, employment, income 
    Service Fee:                                                         After we receive your letter, we cannot try to collect any amount you question, or 
                                                                         report you as delinquent.  We can continue to bill you for the amount you question,  and agree to supply us any information we feel is necessary to determine 
      Credit Card Overlimit Allowance    $19 per transaction that exceeds $20 over credit limit
                                                                         including Finance Charges, and we can apply any unpaid amount against your credit  whether to continue your line of credit.
                                                                         limit. You do not have to pay any questioned amount while we are investigating, but  You may request credit be extended with your credit card account by:
   RETURNED PAYMENT FEE:              We may return a convenience check unpaid if your card or checks have  you are still obligated to pay the parts of your bill that are not in question. �  Using the credit card to purchase goods and services.
   A Returned Payment Fee of $10 will be charged if the drawee ?nancial  been reported lost or stolen. If we ?nd that we made a mistake on your statement, you will not have to pay any  �  Requesting a cash advance or balance transfer ($100 minimum).
   institution, for any reason, returns the item you used as a credit card  Finance Charges related to any questioned amount.  If we didn�t make a mistake,  �  Using the card, with your PIN (Personal Identi?cation Number) to 
   payment.                           CONSENSUAL SECURITY AGREEMENT:     you may have to pay Finance Charges, and you will have to make up any missed  make cash withdrawals at an ATM (Automated Teller Machine).
                                                                         payments on the questioned amount. In either case, we will send you a statement of 
                                      By using your CCCU Visa� Platinum credit card or account number, you  �  Using a Convenience Check ($100 minimum).
                                                                         the amount you owe and the date due.
   CONVENIENCE CHECKS:                grant us a consensual security interest in all individual and joint accounts  We need not make any advance or extend credit if:
                                                                         If you fail to pay the amount that we think you owe, we may report you as 
   Convenience checks may be used to access your credit line. If there is  you have with the Credit Union now and in the future to secure credit card  delinquent.  However, if our explanation does not satisfy you and you write to us  �  You are in default of this Agreement or any other CCCU account 
   insuf?cient credit available, the check will be returned to the payee. balances.   within ten days telling us that you still refuse to pay, we must tell you the name of  agreement.
                                      In the event payments are not made as agreed and this account becomes  anyone we reported you to. We must tell anyone we reported you to that the matter  �  Your ?nancial condition has adversely changed.
   LOST OR STOLEN CARD:               more than 30 days past due, you hereby give authorization for us to bring  has been settled between us when it ?nally is. �  The advance or extension of credit would exceed your credit limit.
   You may be liable for the unauthorized use of your credit card if you  the account current by transferring funds from any CCCU deposit account  If the situation warrants, we may increase or decrease your credit limit.
   fail to notify us in a timely manner or refuse to cooperate with a fraud  on which you are an owner. SPECIAL RULES FOR CREDIT CARD PURCHASES
   investigation.                                                        If you have a problem with the quality of property or services that you purchased  CREDIT CARD OVERLIMIT ALLOWANCE:
                                                                         with a credit card, and you tried in good faith to correct the problem with the 
   If your credit card is lost or stolen, or if you have reason to believe, another  However, unless you expressly agree otherwise, your dwelling will not  You may enroll in the Credit Card Overlimit Allowance service if you want 
                                                                         merchant, you may have the right not to pay the remaining amount due on the 
   person may use your card without your permission, you must notify us  secure your obligations under this Agreement even if we acquire a mortgage  to permit authorizations to take your balance up to 110% of your credit 
                                                                         property or services.  There are two limitations on this right (a) you must have made 
   immediately at (800) 654-7728.  If a telephone is not available, write to  on the dwelling based on use of your card. the purchase in your home state or, if not within your home state, within 100 miles  limit. Contact us for enrollment form. 
   us at VISA Customer Service, P.O. Box 31112, Tampa, FL 33631-3112.  Balances in an Individual Retirement Account and any other accounts,  of your current mailing address, and (b) the purchase price must have been more  If  you  have  chosen  not  to  have  Credit  Card  Overlimit  Allowance, 
   If there is unauthorized use of your card, you agree to cooperate with us  which are tax exempt under State or Federal Law are not subject to the  than $50. These limitations do not apply if we own or operate the merchant, or if we  authorizations presented that will take you over your credit limit will be 
   during the investigation and prosecution of fraudulent use. security interest you have given in your authorization to apply shares. mailed you the advertisement for the property or service. declined.  
   PROMISE TO PAY:                    PAYMENT APPLICATION:               The Finance Charge, for a billing cycle, is computed by multiplying the  A review of the card account and the primary cardholder�s credit history 
   You  agree  to  pay  us  all  amounts  owed  on  your  account  under  this  Payment  amounts  received  in  excess  of  Minimum  Payment  shall  be  Monthly Periodic Rate times the average daily Purchases balance.  The  will be conducted during the second quarter of each calendar year.  You 
   Agreement. This includes charges for insurance (you elect), account fees,  applied to card balances bearing the highest rate of interest and then to  average daily outstanding balance is calculated by dividing the sum of the  agree the APRs may be adjusted accordingly based on the credit score 
   and ?nance charges as described in this Agreement. each successive balance bearing the next highest rate of interest, until the  daily balances during the billing cycle by the number of days in the cycle.  acquired.  This process could result in an increase or decrease to the total 
   By using or authorizing another agent to use your credit card or credit card  payment amount is exhausted.  The daily balance is determined by adding new Purchases and subtracting  interest paid on the card account.  The new APRs will become effective 
   account, you agree to be responsible for all charges incurred and to be  payments and credits to the previous day�s balance. Unpaid ?nance charges  within the quarter following the credit review.  The new terms, including 
   bound by the terms and conditions of this Agreement. PERIODIC STATEMENT: are excluded in determining the daily balance. any increase or decrease to an APR, will only apply to new cash advances 
   You, as Cardholder, will be liable and subsequently agree to pay CCCU for  We will send you a monthly statement at least 21 days prior to your Payment  (including ATM and convenience check transactions), balance transfers, 
   credit purchases and loan advances extended to you or any agent using your  Due Date (if your account is active) which will indicate your credit limit,  DEFAULT: and purchases.  Existing balance shall remain at the existing APR until paid 
   Card unless both of the following apply: statement closing date, previous statement balance, payments, purchases,  You will be in default on this Agreement if one or more of the following  in full. Refer to Table 1 for FICO matrix.
   �  The person using your card did not have actual, implied, or apparent  cash advances, ?nance charges, new balance, minimum monthly payment  occur: Cardholders who continue to maintain the same FICO score or score range 
     authority from you for such use. and payment due date. In addition, the periodic statement shall include  �  You fail to make a Minimum Payment by the scheduled Payment Due  will not receive a change in terms. 
   �  You received no direct or indirect bene?t. a payment warning that speci?es the number of months it would take to  Date. If we make changes to your card account after our annual review, you will 
   If this is a joint credit card account, you are jointly and severally liable  pay the balance making only the minimum balance payment, total interest  �  You  fail  to  abide  by  the  terms  of  this Agreement  or  any  other  receive advance notice, as required by law, and a right to opt out.  If you 
   for all credit purchases, and loan advances obtained using your card by  and principal costs associated with paying the balance by making only  agreement you may have with CCCU. opt out, we will close your card account.  You can then pay the remaining 
   any authorized user.  Consequently, each of you, together or individually,  minimum payments, monthly payment amount to pay the balance in 36  �  Your  ?nancial  or  credit  status  has  changed  so  that  your  credit  balance under the existing rate.  Of course, this paragraph does not apply to 
   is responsible for all amounts owed. This applies even if only one of you  months, and a toll-free number to obtain information on credit counseling.  worthiness has been negatively impacted. changes required by law or our regulators.
   uses the account.                  Statements will be deemed correct and accepted by Cardholder(s) unless  In addition, you will be considered in default of this Agreement if: 
                                      CCCU is noti?ed to the contrary in writing within 60 days of statement  �  Cardholder dies REVOCATION:
   YOUR RIGHT TO CANCEL:              date.                              �  You declare bankruptcy or insolvency. You agree that your CCCU Visa� Platinum credit card is; the property of 
   You may cancel your credit card account at any time. If you opt to cancel  �  You have an attachment or garnishment proceeding initiated against  CCCU, not transferable, and must be surrendered upon demand.  We can 
   and have an outstanding balance on your card it will be frozen at the current  FINANCE CHARGE INTEREST APR: you or your property. repossess the card, and revoke all privileges at any time and without notice 
   APR until paid in full. Payments must be made as required or the account  The Interest Rate used to calculate Finance Charge is a variable rate subject  including, but not limited to, the following conditions:
   will be subject to late fees.      to change with the beginning of your August statement cycle each year and  DEFAULT REMEDIES: �  A negative impact to your creditworthiness.
   You also have the right to cancel permission for an authorized user to  is indexed to the Wall Street Prime as published in the Wall Street Journal  If you are in default, CCCU may take one or more of the following  �  Your CCCU loan account/s is delinquent.
   continue to use your credit card, you must notify us in writing and return any  for June 30 th  of each year. A margin rate shall be added to the Prime interest  actions: �  Your failure to maintain the minimum required balance on your 
   card(s) issued (cut in half) to or for the authorized user. You will be liable  rate that is re?ective of your FICO score (see Table 1). �  Cancel cards Credit Union Share Account.
   for all purchases, cash advances, and account fees created by an authorized  �  Accelerate all amounts owed without notice on demand. �  Your failure to satisfy or adhere to the terms and conditions of this 
   agent, until we receive the required written noti?cation and card. FINANCE CHARGE CALCULATION: �  Require past due payment(s) and fees to be paid immediately. Agreement.
   If this is a joint account, either owner may request the account be closed.  Cash Advances / Balance Transfers: �  Take the past due payment(s) and fees from any deposit account in  �  You make false or misleading statements in any credit application or 
   We will honor the request without liability to either joint cardholder. The ?nance charge on cash advances, (including automated teller machine  your name. update of credit information.
                                      (ATM) and convenience check transactions), and balance transfers are  �  Require you to immediately pay all amounts you owe under this  �  If something happens which the Credit Union believes may reduce 
   PAYMENTS:                          calculated according to the following method: Agreement.                your ability to repay what you owe.
   On or before each Payment Due Date, you agree to make a payment.  A ?nance charge will be charged on Cash Advances and Balance Transfers  �  Take  the  amount  owed  under  this Agreement  from  any  deposit 
   The Payment Due Date will be the same date each month. The minimum  from the date of the transaction or from the ?rst day of the billing cycle in  account in your name. LATE FEE:
   payment amount is 3% of your card account balance (as of the last day of  which the transaction is posted to the account (whichever is later). If not  You  understand  that  any  remedy  applicable  under  this  agreement  is  A late fee of $32 will be charged when a payment is not received within 
   the billing cycle), or $10, whichever is greater. paid in full during the same billing cycle as made, the ?nance charge will  extended equally to co-applicant or Guarantor. two days after the Payment Due Date or the payment was less than the 
   The Credit Union does, however, reserve the right to charge for dishonored  accrue on the unpaid balance until the billing cycle Closing Date prior to  If you are in default, you agree to pay all our costs, including attorney�s fees,  Minimum Payment amount due. The fee will be re?ected on your monthly 
   payment due to insuf?cient or uncollected funds in accordance with the  the date the entire New Balance is paid in full. which we incur in any collection efforts or litigation at the trial, bankruptcy  periodic statement.
   CCCU Fee Schedule.                 If the New Balance indicated on your statement is paid in full by the  or appellate level to enforce this Agreement and collect the amount owed.
   We can accept late payments, partial payments, payments that are marked  Payment Due Date, no ?nance charge will be imposed during the current  CREDIT CARD OVERLIMIT ALLOWANCE FEE:
   �payment in full�, or payments with restrictive endorsements, without  billing cycle for Cash Advances or Balance Transfers made during the  SKIP PAYMENT OPTION: A fee of $19 will be charged, if you have opted to permit authorizations 
   losing any of our rights under this Agreement. previous billing cycles. From time to time, the Credit Union, at its option and terms, may announce  to take your balance up to 110% of your credit limit and authorizations 
   Payment for more than the minimum amount will be accepted as a single  The Finance Charge, for a billing cycle, is computed by multiplying the  an optional feature, which will allow you to skip one or more payments.  have caused your account balance to exceed $20 over your credit limit. 
   payment on your CCCU Visa� Platinum Credit Card account for that  Monthly Periodic Rate times the average daily Cash Advances or Balance  You understand that periodic ?nance charges will continue to accrue on  The Credit Card Overlimit Allowance Fee will be charged with each new 
   month.                             Transfers balance. The average daily outstanding balance is calculated  your unpaid balance at the applicable Monthly Periodic Rate. At the end  extension of credit that is over your credit limit.
   Payments should be mailed and addressed to VISA, P.O. Box 96099,  by dividing the sum of the daily balances during the billing cycle by the  of the period, the payment terms of this Agreement will be reinstated 
   Charlotte,  NC  28296-0099.  Please  allow  suf?cient  mailing  time  for  number of days in the cycle. The daily balance is determined by adding  automatically without notice. FOREIGN CURRENCY TRANSACTIONS:
   payment posting.                   new Cash Advances or Balance Transfers and subtracting payments or    Purchases  and  cash  advances  made  in  foreign  currencies  will  be 
   Payments may also be made through CCCU Call-24 audio system, CCCU  credits to the previous day�s balance. Unpaid ?nance charges are excluded  CHANGE IN TERMS: debited from your account in U.S. dollars. The exchange rate between 
   Web Site (InfoLink), and at any CCCU branch. Payments made by these  in determining the daily balance. You agree that we, at our sole discretion, may change all terms, including  the  transaction  currency  and  the  billing  currency  used  for  processing 
   choices will be posted with that day�s effective date if received by 4pm  annual percentage rates (APRs), line of credit amount, features and fees,  international  transactions  is  a  rate  selected  by  Visa  from  a  range  of 
   local time.                        PURCHASES:                         any time in accordance with our agreement and applicable law. We may  rates available in wholesale currency markets for the applicable central 
                                      The ?nance charge on Purchases is calculated according to the following  make changes based on information in your credit report, market conditions,  processing date, which may vary from the rate Visa itself receives or the 
   PRE-AUTHORIZED CARD PAYMENT SERVICE: method:                          business strategies, or for any other reason we may choose.  We will provide  government-mandated rate in effect for the applicable central processing 
   You may pre-authorize CCCU to pay your credit card payment from your  A ?nance charge will be imposed on Purchases that you obtain through  advanced written notice of a change in terms, as required by law.   The  date. The exchange rate used on the processing date may differ from the 
   savings or checking account each month in the amounts you have elected  the use of your Card, only if you elect not to pay the entire New Balance  address of record, at the time of a change, will be used for such notice. rate that would have been used on the purchase date or cardholder statement 
   from the following options:        by the Payment Due Date shown on your monthly statement. The ?nance  The applicable APRs for your card account will be determined based on  posting date.
   �  The Minimum Payment (3% of the balance on the last day of the  charge will be calculated on the unpaid balance of previous Purchases  the primary cardholder�s credit score.  A credit score is a number based 
     billing cycle or $10, whichever is greater). from the statement closing date and on Purchases made during the current  on a statistical analysis of a person�s credit ?les, which represents the  FOREIGN TRANSACTION FEE:
   �  The total outstanding unpaid balance billing cycle from the date of posting to the account. The ?nance charge  creditworthiness of that person, which is the likelihood that the person will  A fee of 3% of the amount of the transaction, calculated in U.S. dollars, will 
   �  A ?xed amount greater than the monthly Minimum Payment. will continue to accrue until the closing date of the billing cycle preceding  pay their bills. A credit score, known as FICO, is primarily based on credit  be imposed on all foreign transactions, including purchases, cash advances, 
   There are no transfer fees or charges for CCCU pre-authorized payment  the date on which the entire New Balance is paid in full. report information, typically from one of the major credit bureaus.  FICO  and credits to your account.  A foreign transaction is any transaction that 
   service.                                                              is a credit score developed by Fair Isaac Corporation. We reserve the right  you complete or a merchant completes on your card outside of the U.S., 
                                                                         to use the FICO score issued by any major credit bureau of our choosing in  Puerto Rico or the U.S. Virgin Islands.  The fee amount will appear on your 
                                                                         determining an APR.                statement directly below the transaction details.