Visa Platinum ScoreCard Rewards Credit Card Disclosure 
                                            
     The information about the costs of the card described in this disclosure is accurate as of April 11, 2012.  This information 
     may have changed after that date.  To find out what may have changed, call 910.577.7333 or 800.225.3967, visit 
     www.marinefederal.org, or write Marine Federal Credit Union, PO Box 1551, Jacksonville, NC 28541-1551. 
                                            
     Interest Rates and Charges  
     ANNUAL PERCENTAGE 
                          9.9%   
     RATE (APR) for Purchases 
     APR for Balance Transfers   9.9% 
     APR for Cash Advances    9.9% 
     Penalty APR and When It  18.0% 
     Applies              This APR may be applied to your account if you:  
                             (1) Make a Late Payment  
                             (2) Go Over Your Credit Limit  
                             (3) Make a Payment that is Returned; or  
                             (4) Do any of the above on Another Account You have with Us.  
                           
                          How Long will the Penalty APR Apply?  If your APRs are increased for any of these 
                          reasons, the Penalty APR will only apply for the next six months if you make the next six 
                          consecutive minimum payments when due; and you do not again default on these 
                          conditions during this time. If you fail to make the next six monthly payments when due, 
                          the Penalty APR will continue to apply until the account is paid in full and closed. 
                           
                          If you receive a penalty rate and you have a Visa Platinum ScoreCard (Cash Back or 
                          Rewards), you will no longer be eligible for Cash Back or Reward benefits.   
     Paying Interest      Your due date is at least 25-days after the close of each billing cycle. We will not charge 
                          you any interest on purchases if you pay your entire balance by the due date each 
                          month. We will begin charging interest on cash advances and balance transfers on the 
                          transaction date.  
     Minimum Payment      The minimum payment is the greater of  2%  of the total new balance, or  $35.00 , or the 
                          total new balance if less than  $35.00 .  If the balance exceeds the limit, the minimum 
                          payment is  $35.00  or the amount over the limit plus  2%  of the balance. 
     For Credit Card Tips from the 
                          To learn more about factors to consider when applying for or using a credit card, visit the 
     Consumer Financial 
                          website http://consumerfinance.gov/learnmore 
     Protection Bureau  
                                            
                                            
                                            
                                            
                    See page two for more important information about your account 
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                            
      
                                            
     Fees  
     Set Up and Maintenance 
                       None  
     Fees 
     Transaction Fees   Balance Transfer Fee:  3%  or  $10.00  whichever is greater 
      
                       Cash Advance Fee:  3%  or  $10.00  whichever is greater 
                       Visa Receipt Copy Fee:  $2.00  plus research costs 
                       Research Fee:  $10.00  per hour 
                       Foreign Transaction Fee: Up to  2.80%  
                       Credit Card Recovery Fee:  $75.00  
                       Copy of Billing Statement:  $5.00  
                       Stop Payment on a Convenience Check:  $10.00  
     Penalty Fees      Late Payment Fee:  
                                             st
                                                       $25.00*  on the 1   occurrence if the payment is not made by the due date    
                                                      or  $35.00*  for each additional occurrence within the next 6   billing                   
                                                      cycles if the payment is not made by the due date.  
                        
                       Returned Payment Fee:  
                                             st
                                                       $25.00*  on the 1  occurrence and   $35.00*  for each additional 
                                                      occurrence within the next 6   billing cycles. 
                                     
                       Returned Convenience Check:  
                                             st
                                                       $25.00*  on the 1  occurrence and  $35.00*  for each additional 
                                                      occurrence within the next 6 billing cycles. 
                                                       
                       * Or less as restricted by law.  The fee amount will not exceed the amount of your minimum 
      
                       payment. 
      
      
     How we will calculate Your Balance:  Average Daily Balance method is figured by adding the outstanding balance 
     (including new purchases, and deducting payments and credits) for each day in the billing cycle and dividing the total of 
     each day by the number of days in the billing cycle. 
      
     Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your 
     account agreement.  
      
     Security for Advances and Purchases: The Credit Union will acquire a security interest in the property purchased with 
     your Credit Card; and collateral securing other loans with us may also secure this account.  Also, you are giving us a 
     security interest in your shares and other deposits in the Credit Union. 
          MARINE FCU CREDIT CARD AGREEMENT AND DISCLOSURES 
      
     BINDING ARBITRATION: EXCEPT AS SPECIFICALLY PROVIDED HEREIN, THIS ARBITRATION PROVISION 
     SUBSTANTIALLY LIMITS YOUR RIGHT TO BRING A LEGAL ACTION IN A JUDICIAL FORUM (EXCEPT FOR MATTERS 
     THAT MAY BE BROUGHT IN SMALL CLAIMS COURT AS SET FORTH HEREIN).  
      
     PLEASE READ THIS SECTION CAREFULLY. THE PARTIES WILL NOT HAVE A RIGHT TO HAVE A JUDGE OR JURY 
     DECIDE ANY CLAIM OR DISPUTE; AND THE ABILITY TO APPEAL IS LIMITED IN AN ARBITRATED MATTER 
     HEREUNDER. ANY DISPUTES WILL BE DECIDED BY A NEUTRAL ARBITRATOR. FURTHER, NEITHER PARTY NOR 
     ANYONE OF THEIR BEHALF CAN PURSUE ANY CLAIM OR DISPUTE IN ANY CLASS OR REPRESENTATIVE 
     CAPACITY. IT IS THE INTENT OF THE PARTIES HERETO TO PROVIDE A FUNDAMENTALLY FAIR AND LESS COSTLY 
     FORUM TO ADDRESS ANY DISPUTES BETWEEN THE PARTIES; AND THE PARTIES SPECIFICALLY AGREE TO THIS 
     ALTERNATIVE METHOD OF DISPUTE RESOLUTION AS AN INTEGRAL PART OF THE RELATIONSHIP BETWEEN THE 
     PARTIES. SEE PARAGRAPH 37 HEREIN FOR COMPLETE DETAILS.   
      
     THIS IS YOUR AGREEMENT AND DISCLOSURE STATEMENT WITH MARINE FEDERAL CREDIT UNION.  PLEASE 
     READ IT CAREFULLY AND KEEP IT FOR YOUR RECORDS.  IT SUPERSEDES ALL PRIOR AGREEMENTS AND 
     DISCLOSURE STATEMENTS RELATING TO YOUR ACCOUNT.  YOU DO NOT HAVE TO SIGN THIS AGREEMENT.  
     YOUR AGREEMENT TO ALL OF THESE PROVISIONS, AS AMENDED FROM TIME TO TIME INCLUDING THE CARD 
     ISSUED BY US, WILL BE SHOWN BY YOUR APPLICATION FOR THE CARD, YOUR ACCEPTANCE OF THE CARD, OR 
     YOUR USE OF THE CARD, WHICHEVER OCCURS FIRST. 
      
     1. Definitions. In this Agreement, the word "Card" means either one or more Visa credit card and any duplicates, renewals or 
     substitutions we issue.  The words, "you," "your," and "yours" mean all cardholders (borrowers and co-borrowers); anyone any 
     cardholder permits to use the Card(s); as well as any authorized user for whom an additional Card(s) is issued to the extent of 
     their purchases and cash advances, as well as transactions by anyone they permit to use the Card(s).  The word "cardholder" 
     means any applicant or co-applicant to whom a Card is issued by us. The words "Credit Union," "we," "us," and "our" means 
     Marine Federal Credit Union or anyone to whom the Credit Union transfers this Agreement. The words "Convenience Checks" 
     means one or more checks that we may send to you to access your Credit Card Account.  �Applicable Law� shall include: 
     �(i)Visa U.S.A. Inc. Bylaws, Visa U.S,A. Inc. Operating Regulations, Visa U.S.A. Inc. Certificate of Incorporation, Visa 
     International Bylaws, and Visa International Operating Regulations; and (ii)any and all laws, treaties, rules, regulations, or 
     regulatory guidance of the government of the United States, any state thereof, or of any applicable foreign government or state 
     thereof, as the same may be amended and in effect from time to time. 
      
     2. Pledge of Shares and Security Interest. 
  
     BY SIGNING AN APPLICATION, ACCEPTANCE OR AUTHORIZED USE OF ANY CREDIT CARDS, YOU GRANT AND 
     PLEDGE A CONSENSUAL LIEN TO US ON ALL SHARES TO SECURE PAYMENT OF YOUR OBLIGATIONS ON THIS 
     ACCOUNT.  IN ADDITION, YOU ACKNOWLEDGE OUR STATUTORY LIEN RIGHTS UNDER THE FEDERAL CREDIT 
     UNION ACT; YOU AGREE THAT SUCH A LIEN IS IMPRESSED AS OF THE DATE THAT THIS ACCOUNT IS OPENED; 
     AND YOU AGREE THAT WE CAN APPLY THE SHARES PLEDGED AT THE TIME OF ANY DEFAULT ON THIS ACCOUNT 
     WITHOUT FURTHER NOTICE. �Shares� for the purpose of your pledge to secure your obligations to the Credit Union 
     means all deposits in any share savings, share draft, club, certificate, P.O.D., revocable trust or custodial account(s), 
     whether jointly or individually held -- regardless of contributions, that you have on deposit now or in the future.  Your 
     pledge does not include any I.R.A., Keogh, tax escrow, irrevocable trust or fiduciary account in which you do not have 
     a vested ownership interest. 
      
     SECURITY AGREEMENT:  �Non-Purchase-Money Security Interests� Payments on your Account are secured by any security 
     interest in any property securing your other obligations to the Credit Union, whether existing now or in the future, except your 
     household goods and your primary residence. �Purchase-Money Security Interests� You hereby grant the Credit Union security 
     interest in all property purchased/acquired by you or any authorized user pursuant to the use of this Account, including a 
     purchase-money security interest in any household goods purchased/acquired with an extension of credit upon this Account.   
      
                     Copyright� 1994-2010 by Credit Union Resources and Educational Services, LLC (�CURES, LLC�).  All rights reserved. 
                                                                  Updated 10/15/2010 
     These Purchase-Money Security Interests shall secure faithful performance of all obligations arising under this Agreement; and 
     the Credit Union shall have all of the rights of a secured party in accordance with Article Nine of the Uniform Commercial Code 
     and/or other applicable law. 
      
     3. How to Use this Account. You must sign the Card in order to use it. You can purchase or lease goods and services 
     ("Purchases") from any merchant who honors your Card up to your maximum credit limit by presenting your Card and signing a 
     sales slip or writing a Convenience Check for the amount of the Purchase. You may also use the Card to obtain cash loans 
     ("Cash Advances") up to your maximum credit limit from financial institutions that accept the credit card, and by use of 
     preprinted Convenience Checks that the Credit Union may issue to you. You agree not to present your Card, obtain a Cash 
     Advance or write a Convenience Check for any extension of credit in excess of your available Credit Limit (the difference 
     between your outstanding balance and your maximum credit limit) on your account. Certain purchases and cash advances 
     require authorization prior to completion of the transaction.  In some cases, you may be asked to provide identification.  If our 
     system is not working, we may not be able to authorize a transaction, even though you have sufficient credit available.  Also, for 
     security reasons, we may block the use of your Card due to alerts in certain countries or geographic areas.  We will have no 
     liability to you or others if any of these events occur.  The credit union has the right to reduce your credit limit, refuse to make an 
     advance, and /or terminate your Account at any time for any reason not prohibited by law. 
      
     4. ATM Access. If you have received a personal identification number (PIN), you may use your Card and PIN to obtain Cash 
     Advances at any Automatic Teller Machine ("ATM") that accepts your Card.  Your PIN is confidential and should not be 
     disclosed to anyone.  You agree not to write your PIN on your Card, you will not keep your Card and PIN together, and you will 
     not provide your PIN to anyone who is not an authorized user.  Except as otherwise provided in this agreement, advances 
     through ATM access will be treated as Cash Advances and are subject to cash advance fees under this Agreement.  Advances 
     at authorized ATMs are limited to a total of $500.00 during any 24-hour period.   Although we do not charge an ATM fee for this 
     service, others may. Owners of ATMs that we do not own may charge fees in addition to any fees disclosed in this 
     Agreement.  This is not a fee charged by Marine Federal Credit Union; however, any such fee will be added to your 
     account. The party charging the fee is required to provide appropriate disclosures to you with regard to any such fees. 
      
      
     5. Maximum Credit Limit. Your Maximum Credit Limit will appear on the folder in which you receive your Card and on your 
     monthly statement. At our discretion, we may change your credit limit at any time, and may provide separate limits for 
     purchases and for cash advances.  We will notify you if we do, either by mail, email or through your monthly billing statement. 
     You may request a change to your credit limit by contacting the Credit Union in person, by telephone, email or mail.  Your 
     continued use of the Card will show your agreement to any such increase.  You agree to pay any amounts you owe that exceed 
     your maximum credit balance upon demand. You agree we are not obligated to extend to you credit for any amount that would 
     cause your outstanding balance to exceed your Maximum Credit Limit, or for any amount if your outstanding balance already 
     exceeds your Maximum Credit Limit. Any increase in your Maximum Credit Limit requested by you will require you to make an 
     application for our approval. In assessing your credit limit under the provisions in this Section (either at our discretion or upon 
     request): (a) we may and you authorize us to review your credit history, including consumer credit reports; (b) you authorize us 
     to have this review made by third parties to determine whether you meet the criteria we have set for such an increase; and (c) 
     this process shall not be pre-screening under the Fair Credit Reporting Act or other applicable laws or regulations based on our 
     existing relationship and this Agreement. 
      
     If your credits and payments exceed what you owe on your credit card, the amount will be applied against future purchases and 
     cash advances.  If the credit balance amount is $1 or more, it will be refunded upon your written request or automatically after 
     six months. 
      
     Limits for ATM and Over-the-Counter Cash Advances can be determined by contacting the Credit Union�s VISA Department 
     as set forth at the end of this Agreement.  
           
     6. General Terms Governing Your Payments. You will be jointly and severally liable and agree to pay the Credit Union for all 
     charges (purchases, cash advances, finance charges, and other charges added to your Account under the terms of this or any 
     other agreements with us) extended to you or anyone else using any Card issued for your account, unless the use of such Card 
     is by a person other than you, who does not have actual, implied or apparent authority for such use and from which you receive 
     no benefit.  Authority includes, but is not limited to, any authorized users permitting another person to use any Card(s).  Further, 
     all users are obligated to us for all charges they make, authorize or permit. 
      
                     Copyright� 1994-2010 by Credit Union Resources and Educational Services, LLC (�CURES, LLC�).  All rights reserved. 
                                                                  Updated 10/15/2010 
      
     The Credit Union can accept late or partial payments as well as payments that are marked with "paid in full" or other restrictive 
      endorsements, without losing any of our rights under this Agreement. You must pay the Credit Union in U.S. dollars drawn on 
      funds on deposit in the United States.  If you make payment with other currencies or from an institution domiciled outside the 
      United States, then your payment will not be credited until the funds have been collected by us in U.S. dollars.  The Credit 
      Union will determine the method of applying payments and credits to your account, which will in all respect comply with any 
      specific requirements of applicable laws. 
       
      Unless otherwise required by specifically applicable laws, for payments received by mail by 5:00 PM EST, you will receive 
      credit that day; and for payments made in any other manner, including in person, your account will be credited the day payment 
      is received.   
       
      If the Credit Union receives a payment by mail by 5:00PM EST you will receive credit that day; payment received after 5:00PM 
     EST, will be applied to the next business day. If a payment due date falls on a Holiday or Weekend, the payment will not be 
     considered late if received the following business day.  
      
     You authorize us to honor any Purchase or Cash Advance you make by internet, telephone, or mail on this account.  You agree 
     that a signature is not necessary as identification in such cases.  We reserve the right to refuse to honor any request for credit, 
     to reduce your credit limit or terminate your account at any time using our sole discretion, based on changes in the economy, 
     the Credit Union's financial condition, your creditworthiness, or for any other reason not prohibited by law. 
      
     To protect you and us, the Credit Union, in its sole discretion, may place a temporary freeze on all or part of the credit 
     available to you for new purchases or cash advances under this agreement any time the Credit Union receives a large 
     payment $1000 or more, by a method other than cash, certified funds, or electronic transfer.  In such cases, the Credit 
     Union may freeze your credit line until payment is actually collected by us. 
      
     7. Minimum Payment Due. You can pay off your account balance in full each month or you can pay in monthly installments.  If 
     you do not pay your balance in full, you agree to pay at least a minimum payment of 2% of your New Balance (rounded to the 
     nearest whole dollar) or $35.00, whichever is greater at the end of each statement period.  If the New Balance shown on your 
     periodic statement is $35.00 or less, you agree to pay this amount. Generally payments above the Minimum Payment will be 
     applied first to higher interest rate balances and then to lower interest rate balances.  Unless the Credit Union takes other action 
     as a result of a default under this Agreement, the Minimum Payment Due will also include any amount that is past due and any 
     amount by which your new balance exceeds your credit limit.  Payments and credits will be applied first to pay billed but unpaid 
     finance charges; late charges, and other fees or charges provided for herein; and next to unpaid cash advances; and then to 
     your unpaid purchase balance.  You must pay at least the minimum payment each month, but you may pay more than that 
     amount at any time without a penalty.  The sooner you pay your new balance, the less you will have to pay in finance charges. 
     The "Payment Due Date" will be shown on your periodic statement. 
      
     8. Returns and Adjustments. Merchants and others who honor your Card may give credit for returns or adjustments, and they 
      will do so by sending the Credit Union a credit slip which will be posted to your Account.  If your credits and payments exceed 
      what you owe the Credit Union, the amount will be applied against future purchases and cash advances.  If the credit balance 
      amount is $1.00 or more, it will be refunded upon your written request or automatically after six months. 
       
      9. Additional Charges for Transactions in a Foreign Currency and �Cross-Border� Transactions. Currency Conversion 
      Fee: If you effect or authorize a transaction with your access device in a currency other than US Dollars, VISA  will convert the 
      charge into a US Dollar amount. The VISA currency conversion procedure includes use of either a government mandated 
      exchange rate, or a wholesale exchange rate selected by VISA as applicable. The exchange rate VISA uses will be a rate in 
      effect on the day the transaction is processed. This rate may differ from the rate in effect on the date of the purchase or the date 
      the transaction was posted to your account. A Currency Conversion Fee of up to 2.8% will be applied to transactions that are 
      converted from foreign currencies to U.S. dollars. Cross-Border Transaction Fee: In addition, VISA charges us a Cross-
      Border Assessment up to 2% on each transaction on all cross border transactions regardless of whether there is a currency 
      conversion. For purposes of this Section, �cross-border transaction� shall include both (a) transactions initiated in a foreign 
      country which are subsequently settled in the United States, and (b) transactions initiated in the United States but which are 
      ultimately settled in a country outside of the United States. The Credit Union will assess these fees to you to reimburse it for the 
      fee it is required to pay for each of your transactions subject to these terms. The Cross-Border transaction fee will be shown 
      
                     Copyright� 1994-2010 by Credit Union Resources and Educational Services, LLC (�CURES, LLC�).  All rights reserved. 
                                                                  Updated 10/15/2010 
     separately on your periodic billing statement. The Currency Conversion Fee, if it applies to the transaction, will be included in 
     the transaction amount posted on your statement. 
      
     10. Finance Charges on Account.  You agree to pay the FINANCE CHARGE on your account. 
      
     A FINANCE CHARGE computed on a daily periodic rate ("DPR") will begin to accrue for new Purchases, if you do not pay the 
     New Balance in full within 25 days after the billing date of the statement on which the new Purchases first appear. A FINANCE 
     CHARGE computed on a daily periodic rate ("DPR") will begin to accrue on the transaction date of Cash Advance(s) or 
     Purchases (except as provided above), or the first day of the billing cycle, whichever is later, and will continue to be imposed 
     until you have paid any outstanding balance in full. The Credit Union calculates the FINANCE CHARGE as follows: 
      
     a. The FINANCE CHARGE will be figured by applying the daily periodic rate of your Account to the average daily balance of 
     Purchases and Cash Advances.  The daily periodic rate and ANNUAL PERCENTAGE RATE (APR) to be used is determined 
     by the account applied for or approved by us pursuant to the terms of your application. 
      
                                      Annual 
                           Visa      Percentage  Default Rate  APR Ceiling 
                                       Rate 
                      VISA Platinum 
                      Scorecard Bonus Points 
                                    9.90%      18.00% 18.00% 
                      and Rewards 
                      VISA Platinum 
                      Scorecard CashBack   11.90% 18.00% 18.00% 
      
     b. To get the total average daily balance on your Account, we take the beginning balance of your Account each day, add any 
     new Purchases and Cash Advances, unpaid Finance Charges, current late payment fees, and other fees, and subtract any 
     payments or credits. This is your daily balance. Then we add all the daily balances for the billing cycle and divide their total by 
     the number of days in the billing cycle. This gives you the average daily balance. This determines the balance subject to the 
     FINANCE CHARGE. 
      
     Non-Variable Rate Option:  The Credit Union, in its sole discretion, may change the Daily Periodic Rate and ANNUAL 
     PERCENTAGE RATE from time to time in compliance with any specifically applicable laws and/or regulations.  Any change in 
     the Finance Charge shall apply only to new Purchases and Cash Advances.  If the current effective rates are different, they are 
     disclosed on an enclosed/attached insert. 
      
     11. �Promotional Rate� Finance Charges.  From time to time and in our sole discretion we may offer a special rate applicable 
      to certain transactions such as particular purchases (as defined by us), balance transfers, cash advances, or purchases made 
      by using Convenience Checks.  Applicable terms and conditions will be disclosed at the time any such promotion is offered, 
      and are incorporated into this Agreement by reference.  The promotional rate will apply only to the transactions and for the 
      period of time set forth in any such offer from us.  Existing balances and new purchases or advances not expressly subject to 
     any such promotion will remain governed by the terms and conditions of this Agreement.  In addition, the terms and conditions 
     of this Agreement will govern your obligations regarding any unpaid balance or transactions that are made subject to any such 
     promotional offer, that are not fully paid within the time period set forth in such promotional offer. 
      
     12. Interest Rate Adjustment (Default Rate) The Credit Union will adjust the interest rate on your account whenever your 
     account is 60 days past due.  We will change your interest rate to a non-variable ANNUAL PERCENTAGE RATE of 18% on 
      the first day of the billing cycle following the cycle that was 60 days past due.  After six (6) consecutive billing cycles of your 
      account being paid pursuant to the terms of your agreements with the Credit Union, we will change the interest rate to the rate 
      prior to the default rate, which will become effective on the first day of the billing cycle following the Sixth (6) consecutive billing 
      cycles paid as agreed.  If you fail to pay your Account pursuant to the terms of your agreement at any time during the next six 
      (6) billing cycles after your account has had an interest rate adjustment due to default your account will remain at the Default 
      Rate of 18% until such time as six (6) consecutive payments have been paid as agreed and your account has been 
      reviewed to determine if the rate should be reduced based on our risk and your payment history. 
       
      13. Monthly Statement.  We will send you a monthly billing statement whenever there is activity on your account.  Your 
      
                     Copyright� 1994-2010 by Credit Union Resources and Educational Services, LLC (�CURES, LLC�).  All rights reserved. 
                                                                  Updated 10/15/2010 
     monthly statement will show an itemized list of current charges (Purchases and Cash Advances) and Convenience Check 
     transactions to your account, your new balance, any Finance Charges, the minimum payment due, and the payment due date.  
     In addition, it will show your current credit limit, payments, and credits, a summary showing your Purchases and Cash 
     Advances, the merchant, electronic terminal or financial institution at which transactions were made, as well as other 
     information concerning your account.  Sales, Cash Advance, credit, or other slips cannot be returned with any statement.  You 
     should retain a copy of such slip furnished at the time of the transaction in order to verify your monthly statement. E-
     Statements: If provided electronically, statements will be (1) e-mailed to you as an attachment; or (2) you will be sent a notice 
     via e-mail that will direct you to a site we maintain or cause to be maintained where you may access, review, print, and 
     otherwise copy / download your periodic statements using procedures that we authorize. E-mails from us will be sent to the e-
     mail address provided by any owner.  
      
     14. Additional Benefits/Card Enhancements. The Credit Union may from time to time offer additional services to your 
     Account, such as travel accident insurance, purchase rewards or rebates at no additional cost to you.  You understand that the 
     Credit Union is not obligated to continue or to offer such services and may withdraw or change them at any time. If these 
     benefits are withdrawn prior to any accrued use by you, the Credit Union will have no obligation to provide the benefit or 
     enhancement, or any other compensation or consideration.  
  
     15. Merchant Disputes.  The Credit Union is not responsible for the refusal of any merchant or financial institution to honor 
     your Card except as listed in the Special Rules for Credit Card Purchases set forth at the end of this Agreement.   
      
     16. Skip Payment Option.  At our option, we may offer you the opportunity to not make ("skip") a minimum payment during 
     certain designated billing cycles ("skip payment period").  If you do not make your minimum payments as provided in this 
     Agreement, during such designated billing cycles, you understand that we will continue to apply finance charges to your 
     account. Beginning with the billing cycle following an allowed skip payment period, all other provisions of this Agreement will 
     apply.  We have no obligation to accept your application for any skip payment period offered, and you authorize us to 
     investigate your creditworthiness including obtaining consumer credit reports.  We may charge you an application processing 
     fee for each skip payment period that we may offer to cover our costs of investigating your qualifications for this extension 
     including but not limited to the costs associated with researching your creditworthiness. 
      
     17. Exceeding Your Credit Limit.  You will be in default if the balance of your account exceeds the credit limit.  If you are in 
     default, the credit union may temporarily suspend your credit card or terminate your account.  If at any time your total new 
     balance exceeds your credit limit, you must immediately pay the excess upon the Credit Union�s demand.  
      
     18. Late Payment Fee. The Credit Union will charge your account a late payment fee for each billing period in which your 
     minimum payment is not received by your payment due date. The fee will increase if there are any additional late payments 
     made within the next 6 monthly payment cycles following the last late payment.  This fee will be added to your account balance. 
     For current fee information, refer to the enclosed/attached insert as is applicable to your Account: VISA Platinum Scorecard 
     Bonus Points/Rewards or VISA Platinum Scorecard CashBack Disclosure.. 
      
     19. Returned Payment or Insufficient Funds Fee. The Credit Union will charge your account a  fee if your payment by any 
     method, including check, electronic transfer, home banking transaction or otherwise, is not honored, collected by us,  or if we 
     must return it to you because it cannot be processed for any reason.  This fee will be added to your account balance.  For fee 
     information, refer to the enclosed/attached insert as is applicable to your Account: VISA Platinum ScoreCard Bonus 
     Points/Rewards or VISA Platinum ScoreCard CashBack Disclosure.. 
      
     20. Charge for Copies, Research and Card Replacement. If you ask for a copy of any document, such as a sales slip or 
     Convenience Check, a charge per hour may be imposed for the time it takes to research and locate the document and a charge 
     per copy will apply.  In addition, a billing statement copying fee will be imposed per copy.   However, no charge will be imposed 
     in connection with any actual or asserted billing error.  We may charge a fee to replace a lost card. For fee information, refer to 
     the enclosed/attached insert as is applicable to your Account: VISA Platinum ScoreCard Bonus Points/Rewards or VISA 
     Platinum ScoreCard CashBack Disclosure. 
      
     21. Card Recovery Fee.  A card recovery fee may be charged if you use the card(s) after we mail you notice of termination of 
     this Agreement. For fee information, refer to the enclosed/attached insert as is applicable to your Account: VISA Platinum 
     ScoreCard Bonus Points/Rewards or VISA Platinum ScoreCard CashBack Disclosure. 
      
                     Copyright� 1994-2010 by Credit Union Resources and Educational Services, LLC (�CURES, LLC�).  All rights reserved. 
                                                                  Updated 10/15/2010 
      
      
     22. Your Responsibility and Liability for Unauthorized Use and Lost or Stolen Cards or Convenience Checks  If your 
      Card or Convenience Checks are lost or stolen, or if you are afraid someone used or may use them without your permission, 
      you must notify the Credit Union at once by calling 1.800.225.3967.  If notice is given orally, you will promptly confirm it in 
      writing.  The Credit Union may require you to provide us certain information in writing to help us investigate any unauthorized 
     use.  Further, you agree to cooperate and assist us or any government or law enforcement agent or agency in investigating, 
     collecting or pursuing any other rights (civil and criminal) relating to any unauthorized use.  In this regard, you agree to file an 
     appropriate police report when asked to do so.  Do not use the Card or the Convenience Checks after you have notified the 
     Credit Union, even if you find them or have them returned to you.   
           
     You are liable for all transactions that you authorize.  No Liability: You will have no liability for unauthorized use of your Card, 
     Convenience Checks or other Access Devices for non-ATM transactions made over the VISA Network if the following 
     conditions are met: (1) You have not been grossly negligent; and (2) You have not committed, participated in or conspired to 
     commit any fraudulent act or scheme involving the use of your VISA credit card account.   Limited Liability:  For transactions on 
     other networks or ATM transactions, you may be liable for unauthorized transactions using your Card, Convenience Checks or 
     other Access Devices that occur before we are notified.  However, your liability for unauthorized use on networks other than 
     VISA will not exceed $50.00.  In any case, you will not be liable for any unauthorized use after notifying us of the loss, theft or 
     unauthorized use of your Card, Convenience Checks or other Access Devices. 
      
     23. Our Liability for Failure to Complete Transactions.  If we do not complete a transaction pursuant to any request, and/or 
     in the correct amount, we may be liable for your losses or damages. However, there are some exceptions. We will not be 
     liable, for instance:  
           
             �   if through no fault of ours, you do not have adequate funds available on your Card to complete the transfer;  
             �   if circumstances beyond our control (such as fire, flood, terrorist attack, national emergency, or computer or 
                 communication failure) prevent the completion of the transaction, despite reasonable precautions we have 
                 taken;  
             �   if access to your Card has been blocked after you reported your Card lost or stolen;  
             �   if there is a hold on your Card for any reason;  
             �   if your funds are subject to legal process or other encumbrance restricting their use;  
             �   if your transfer authorization terminates by operation of law;  
             �   if a computer system or mobile device was not working properly and you knew about the problem when 
                 you initiated the transaction;  
             �   if we have reason to believe that the requested transaction is not authorized; or  
             �   as otherwise provided in this Agreement.  
      
     24. Default.  You will be in default if: (a) you fail to pay the Minimum Payment Due by the Payment Due Date; (b) the Credit 
     Union, in its sole discretion, feels insecure (For example: Our good faith belief that your ability to pay your account is impaired; 
     use of your account in any manner or in any way that may expose the Credit Union to a risk of loss; etc.); (c) your ability to 
     repay is materially reduced by a change in your employment, by an increase in your obligations, by bankruptcy or insolvency 
     proceedings involving you, by your death, or (for community property state residents only) by a change in marital status or 
     domicile; (d) you exceed your credit limit without our permission; (e) you have made a false or misleading statement to us in 
     your application or otherwise; (f) you are in default under any other agreement with us; (g) if you use or authorize the use of any 
     Card(s) to make or facilitate any illegal transaction; or (h) you fail to perform any of your other obligations under the terms of this 
     Agreement as it may be amended from time to time.  Upon default we may close your Account to future purchases and 
     advances and, to the extent not prohibited by Governing Law, demand immediate payment of your entire Account balance, after 
     giving you any notice and opportunity to cure the default if required by applicable law.  The Credit Union?'s sole obligation 
     hereunder with regard to determining and declaring an event of default is the exercise of "good faith," based on its subjective 
     understanding of applicable facts. We shall also have the right to close your account and terminate access privileges where 
     your account is inactive for such periods of time as we may from time-to-time determine to be appropriate for protecting both 
     our and your interests.   
      
     25. Collection Costs. You agree to pay all costs incurred by the Credit Union in collecting any amounts you owe or in enforcing 
     or protecting the Credit Union's rights under this Agreement, including attorneys' fees of 20% of the unpaid balance or such 
      
                     Copyright� 1994-2010 by Credit Union Resources and Educational Services, LLC (�CURES, LLC�).  All rights reserved. 
                                                                  Updated 10/15/2010 
     greater sum as may be reasonable, and also those costs, expenses and attorneys' fees incurred in any appellate, bankruptcy 
     and post-judgment proceedings, except as limited or prohibited by applicable law. 
      
     26. Updating and Disclosing Financial Information. We may report your performance under this Agreement to credit 
     reporting agencies and secure follow-up credit reports on you for any legitimate business reason, including if you fail to make 
     your minimum payments on time.  We can reinvestigate and reevaluate any information you provide on your Credit Card 
     Application at any time, and in the course of doing so, we may ask you to provide additional information, request credit bureau 
     reports, and/or otherwise verify your current credit standing. 
      
     Access to Account Information: You agree that all borrowers and authorized users will have access to information regarding 
     transactions on your account, including but not limited to purchases and cash advances, account balances, account history, 
     payments, and other information relating to or arising with regard to this account or any transaction. 
      
     27. Correcting the Credit Union's Credit Report. If you think the Credit Union reported erroneous information about you to a 
     credit reporting agency, call the Credit Union at the telephone number listed on your monthly billing statement. The Credit Union 
     will promptly investigate the matter. The Credit Union will contact each credit reporting agency whose records may reflect an 
     error.  The Credit Union will require them to correct your report if its investigation decides that you were correct.  If the Credit 
     Union disagrees with you after the investigation, the Credit Union will advise you, in writing or by phone, and instruct you how to 
     submit to those agencies a statement of your position that will become a part of your credit record with them.  The instructions 
     will include the name, address, and phone number of each such agency, along with other pertinent information. 
      
     28.  Closing Your Account.  Any individual cardholder without the consent of other cardholders may close your Account at any 
      time by notifying us in writing as indicated in this Agreement.  Credit Union may close your account or suspend your Card 
      privileges or Convenience Checks at any time without prior notice.  Credit Union may also reissue a different Card or different 
      checks at any time.  You must return the Card or the Convenience Checks to the Credit Union upon request.  You agree that 
      the Card and all Convenience Checks remain the property of Credit Union.  Each Card we issue will have an expiration date.  
      Upon expiration of your Card your account will automatically terminate; or the Credit Union, in its sole discretion, may extend 
      your Agreement and issue a new card with a new expiration date.  If you account is closed, expires or your credit privileges are 
     terminated or suspended, you will remain responsible for paying all amounts you owe us according to the terms of this 
     Agreement. Without limiting the foregoing, the Credit Union has the right to terminate your line of credit or any part of the 
     services provided pursuant to this Agreement and to demand the return of all cards, access checks and other access devices if 
     the Credit Union, in its sole discretion, feels that it is insecure for any reason whatsoever; including but not limited to 
     mismanagement of your account, failing to safeguard any access device, creation of any credit balances by you that may 
     increase the risk of loss or exposure of the Credit Union or failing to cooperate with the Credit Union or others with regard to 
     any claim of unauthorized use or any other defense to payment under applicable law. 
            
     29. Changing This Agreement.  The Credit Union may change the terms of this Agreement, including the Annual Percentage 
     Rate, at any time, upon 45 days advance notice to you.  Except where limited by applicable law, the new terms, including, but 
     not limited to, increasing the finance charge or the way the Credit Union calculates finance charges, late charges, and the 
     minimum payment due, will apply both to new purchases and cash advances  as of the day of the change.  In accordance with 
     applicable law, the Credit Union will notify you of any increased charge or change by writing to you at the most recent address 
     shown for you on the Credit Union's records. 
      
     30. Delay in Enforcement/Waivers.  The Credit Union may delay or waive enforcement of any of the provisions of this 
     Agreement, including any agreement to make timely payments, without losing its right to enforce the same provision later or any 
     other provisions of this Agreement.  You waive the right to receive notice of any waiver or delay or presentment, demand, 
     protest, or dishonor.  You also waive any applicable statute of limitations to the full extent permitted by law and any right you 
     may otherwise have to require the Credit Union to proceed against any person before suing you to collect.  You understand that 
     the Credit Union will not be liable for a merchant's or other parties' refusal to honor your Card whether due to an error by the 
     Credit Union, the merchant, the Credit Union's authorized agent, or other third party. 
      
     31. Change of Name, Address or Employment. You will notify the Credit Union immediately in writing if your name, home 
     address, or employment changes. 
      
      
                     Copyright� 1994-2010 by Credit Union Resources and Educational Services, LLC (�CURES, LLC�).  All rights reserved. 
                                                                  Updated 10/15/2010 
     32. Additional Terms of Agreement  To the extent not prohibited by applicable law, the terms, interpretation and enforcement 
     of any claim or dispute arising under this Agreement, as well as all parties�  rights and duties, will be governed by North 
     Carolina State law regardless where you may reside or use your account.  Further, this Agreement is the contract which 
      governs all transactions on your Account even though sales, cash advances, credit or other slips may contain different terms.  
       
      You may not transfer or assign your account or Card to any other person. The Credit Union may assign or transfer this Account, 
      your Account balance, or this Agreement to another person, who will have all of our rights hereunder. This Agreement is binding 
      on your heirs and legal representatives.  If there are joint obligors or authorized users for this credit plan, each of you will 
      have the right to use the Account to obtain loans pursuant to the terms hereof. Any one obligor�s elections, 
      transactions and directions to the Credit Union shall be binding upon all obligors. Each of you will be liable for all 
      obligations owing on the Account whether borrowed by you or otherwise and whether within or beyond the credit limit.  Your 
      liability will be joint and several.  Either party has the right to cancel this Agreement. Further each of you is responsible for all 
      amounts borrowed by any authorized user(s).  Authorized users and other users may also be required to repay the amount 
      owed for charges they make; however, you remain, at all times, primarily responsible for all amounts owed. All Cards, billing 
      statements and notices will be mailed or delivered to the address given on the application for either applicant unless you direct 
      otherwise in writing. If any law or judicial ruling makes any part, provision, sentence or section of this Agreement unenforceable, 
      the remainder will continue in full force and effect.   
       
      33. Insurance.  You may be offered insurance for your credit card.  If you elect insurance, as set forth in your application, then 
      the charges will be added to your Account balance on each billing cycle, if your insurance application is approved.  Credit 
      insurance is voluntary and not required to obtain a credit card account with us.  You have a right to terminate this insurance at 
      any time by notifying us in writing. 
       
      34.  Compliance with Applicable Laws and Prohibition of Illegal Transactions.  You warrant and agree that you will at all 
      times comply with all Applicable Laws; and that your card and services are at all times subject to Applicable Laws. Further, you 
      agree and warrant that your Credit Card, other access device or any related account will not be used to make or facilitate any 
      illegal transaction(s) as determined by applicable law; and that any such use, including any such authorized use, will constitute 
      an event of default under this Agreement.  Certain federal and/or state laws or Card Service Providers� Rules may limit or 
      prohibit certain transactions such as (but not limited to) those coded as possible gambling transactions. The Credit Union may 
      decline to accept, process or pay any transaction that we believe to be illegal or unenforceable (regarding your obligation to pay 
      us or otherwise) under applicable law; or which is otherwise limited or prohibited, including but not limited to any transaction 
      involving or relating to any gambling activity. Such prohibition or limitations may affect some otherwise proper or allowable 
      transactions such as charges incurred at a hotel-casino. You understand and agree such limitations/prohibitions are not within 
      the Credit Union�s control and that the Credit Union will not have any liability, responsibility or culpability whatsoever for any 
      such use by you or any authorized user(s); or for declining to accept, process, or pay any such transaction.  You further agree 
      to indemnify and hold the Credit Union harmless from any suits, liability, damages or adverse action of any kind that results 
      directly or indirectly from any such use of your account and/or access devices. 
       
      35. VISA Platinum ScoreCard Bonus Points/ Rewards Rules.   
      1.  As provided in these rules (�Rules�), account holders (�You� or �Your�) earn one (1) Bonus Point (�Point(s)�) in the 
      ScoreCard Program (�Program�) for every $2 in a qualifying Signature debit purchase. A qualifying purchase shall mean: (I) a 
      transaction that is charged to an eligible credit and/or debit card account covered by the Program (�Account�) and (ii) a 
      transaction that appears on Your statement during the Program period. Points are deducted for returns. No Points are earned 
      for finance charges, fees, cash advances, convenience checks, ATM withdrawals, foreign transaction currency conversion 
      charges or insurance charges posted to Your Account. Contact Your financial institution (�Sponsor�) for full details on the 
      Program period dates during which You are eligible to earn Points. 
      2.  Points can be used to order only the merchandise/travel awards (�Award(s)�) available in the current Program.  You may 
      select Awards from any level, as long as You have a sufficient number of Points available in Your Account as of the date of 
      Your most recent earnings statement. Point requirements assigned to any Award are subject to change from time to time 
      without notice, and Awards may be substituted at any time. Should an Award be discontinued, it will be replaced with an Award 
      of equal or greater value or, if no suitable substitute is available, You will be advised to make an alternative selection or Your 
      Points may be returned to Your Account. 
      3.  Your merchandise Award will usually be delivered by a commercial delivery service or the U.S. Postal Service within 4-6 
      weeks of processing Your order. Shipments cannot be made to a post office box. If You have an APO, U.S. eligible territory or 
      
                     Copyright� 1994-2010 by Credit Union Resources and Educational Services, LLC (�CURES, LLC�).  All rights reserved. 
                                                                  Updated 10/15/2010 
     international address, please contact ScoreCard Award Headquarters for details regarding merchandise options and shipments 
      before ordering. 
      4.  Note any damages or shortages on the delivery receipt before signing to accept delivery from the carrier. An Award received 
      damaged or defective may be returned to the shipper within thirty (30) days of receipt for replacement. All parts, instructions, 
     warranty cards and original packaging materials must be returned with the product. 
     5. Applicable manufacturers� warranties will be included with Your Award. Warranty claims must be directed to the 
     manufacturer. SPONSOR, FINANCIAL INSTITUTION BENEFIT ASSOCIATION, INC. (�FIBA�), FIDELITY NATIONAL CARD 
     SERVICES, INC. AND ITS AFFILIATES (�FIS� OR �PROGRAM ADMINISTRATOR�) AND ANY ASSOCIATION YOUR 
     SPONSOR IS A MEMBER OF (�ASSOCIATION�) MAKE NO PRODUCT REPRESENTATIONS OR WARRANTIES, EXPRESS 
     OR IMPLIED, AND DISCLAIM ANY AND ALL LIABILITY AS TO THE CONDITION, QUALITY, MERCHANTABILITY OR 
     FITNESS FOR A PARTICULAR PURPOSE OF PRODUCTS AND/OR SERVICES PROVIDED THROUGH THIS PROGRAM. 
     FIS NOR FIBA WILL BE LIABLE FOR ANY DEFECTS IN THE AWARDS OR DAMAGES RESULTING FROM THE USE OF 
     THE AWARDS. 
     6.  Points have no cash value. Points cannot be exchanged for cash or credit, used with any other offer, promotion or discount, 
     combined with cash to obtain any Awards or earned from or transferred to any other credit and/or debit card, account or 
     rewards program unless otherwise specified. 
     7.  Your ScoreCard earnings statement will normally include the number of Points earned, subject to adjustment as provided for 
     in these Rules. Your Account may be charged for the actual cash difference between the cost of the Award redeemed and the 
     net value of the actual Points available in the event You redeem unearned Points. 
     8.  Your Account must be open and in good standing (i.e., not cancelled, terminated by either party or otherwise not available 
     for Your use as a payment method) at the time Your order is received for processing. Sponsor reserves the right to suspend 
     Your participation in the Program until the Account is in good standing. 
     9. Despite the Program�s best efforts to ensure accuracy, printing and website errors occasionally occur. The Program reserves 
     the right to correct such errors at any time even if it affects a pending Award redemption. 
     10.  This Program may be modified, suspended or cancelled and the redemption value of already accumulated Points may be 
     changed at any time without notice and without restriction or penalty. Changes to the Program may include, but are not limited 
     to, modifications which affect Point accrual and which expire Points based on the Point term, age and expiration date of the 
     selected options(s). You will be notified of Point accrual and/or Point expiration Program changes. Award orders must be 
     received on or before the Program end and/or Point expiration date. Contact Your Sponsor for details on any current 
     promotions affecting Point accrual or redemption options. Points may be forfeited due to Rules violations. This Program is void 
     where prohibited or restricted by law. You are responsible for any applicable federal, state or local taxes. 
     11.  You agree to hold FIBA, FIS, any Association and any vendors associated with the Program totally harmless if Your 
     Sponsor fails to meet its contractual and other obligations with FIBA or FIS, which results in the Program being interrupted or 
     terminated prior to You having the opportunity to redeem Your Points or receive Your Awards. You also agree to hold FIBA, 
     FIS, Sponsor and Association harmless if an Award vendor or provider files for bankruptcy, or otherwise goes out of business, 
     after You have redeemed Your Points for an Award from the vendor or provider but before You are able to receive or use the 
     Award. 
     12.  Certain restrictions may apply to travel certificates, tickets and documents. See the Program website for applicable Travel 
     award terms and conditions. Travel and other certificates are not exchangeable, refundable, transferrable or redeemable for 
     cash. All travel certificates, tickets and documents will be mailed first class U.S. Mail and will not be replaced in the event of 
     loss, destruction or theft. Your Award will usually be deliverable within 4-6 weeks of processing Your order but is not 
     guaranteed. You may request travel certificates, tickets and documents to be delivered by overnight carrier and agree to pay 
     the associated additional delivery fees before shipment. You are responsible for Federally imposed airline security fees as well 
     as any surcharges or additional fees as may be imposed by the airlines or aviation authority and must pay them by permissible 
     credit and/or debit card at the time of the reservation booking. 
     13.  Rules are subject to change at any time without notice and the most current version is available on the Program website. 
     Some Sponsors may choose to add additional local rules and opportunities. Please ask Your Sponsor to see if such local rules 
     are applicable to Your participation in the Program.  
     14. The Program Administrator shall resolve all questions of what constitutes an eligible transaction. All Rules determinations 
     by the Program Administrator are final. The use of Your Account following receipt of these Rules will indicate Your agreement 
     to these Rules. 
     15.  Reward points will accumulate and will be shown on the member�s monthly credit card statement.  
     16.  Members may select rewards from those listed on www.scorecardrewards.com 
      17.  Reward points will have an expiration of 48 months and an expiration month of August. 
            st
      18.  The 1  expiration of reward points will be 8/31/2011. 
      
                     Copyright� 1994-2010 by Credit Union Resources and Educational Services, LLC (�CURES, LLC�).  All rights reserved. 
                                                                  Updated 10/15/2010 
     19.  Points earned on debit cards may be combined with reward points earned on the ScoreCard credit card and used for 
     merchandise/travel awards. 
      
     36.  VISA Platinum ScoreCard CashBack Rules 
     CashBack will be earned on an annual basis according to the dollar amount of purchases made with your VISA ScoreCard. You understand 
      that balance transfers do not qualify for CashBack. CashBack will be earned based on your annual dollar amount of Purchases: 
     From    To   Earn CashBack 
     $0                $1,000          0.25% 
     $1,001              $2,000          0.50% 
     $2,001              $3,000          0.75% 
     $3,001              or more          1.00% 
                                                   st
     Funds will be credited directly to your VISA Score Card Account annually on April 1 . 
       
      CASHBACK FORFEITURE � You understand that you forfeit all CashBack rewards if any of the following apply: (a) You are at a penalty 
      rate. (b) You have exceeded your available credit limit by more than 10% two or more times within a 12-month period. (c) You have been 
     charged a penalty rate by the credit union. 
      
     VISA SCORECARD CASHBACK RULES: 
     1.  The CashBack Program is available to VISA account holders (�You�) whose Sponsor (Marine FCU) has enrolled as a 
     sponsoring member of Financial Institution Benefit Association, Inc (FIBA) and has contracted with FIBA for this Program for 
     You.  All Program Rule determinations by FIBA are final.  Your use of your card following receipt of these Rules will indicate 
     your agreement to these Rules. 
     2.  Every Dollar in purchases You make with your credit card to your VISA ScoreCard account covered by this Score Card 
     CashBack Program (�Program�) and that appears on your statement during the Program period, earns CashBack credit as 
     provided for in these Rules, under Marine FCU�s most current CashBack schedule.  CashBack is earned with purchases made 
      by You beginning on the first day in which your Program begins and is posted to your account annually.  Contact Marine FCU 
     for full details on eligibility dates. 
     3.  Your periodic statement will normally include a year-to-date accounting total of your CashBack credits but may be adjusted 
     as provided for in these Rules.  CashBack credits will be deducted from your current total of credits earned for corresponding 
     retail purchase returns posted to your card account. 
     4.  Your card account must be open and clear (i.e. not cancelled, terminated, delinquent, in default, or otherwise not available to 
     use for charges) at the time each year CashBack credits are posted to your account or when CashBack rebate checks are 
     mailed by Marine FCU. 
     5.  This Program may be modified, suspended, or cancelled at any time without restriction or penalty.  CashBack credit may be 
     forfeited due to violations of these Rules.  This Program is void where prohibited or restricted by law.  You are responsible for 
      any federal, state, or local income or other taxes. 
      6.  Despite our best efforts to ensure accuracy, printing errors involving the Program occasionally occur.  We reserve the right 
      to correct such errors at any time even if it affects CashBack credit already posted to your account. 
      7.  You agree to hold Financial Institution Benefit Association, Inc (FIBA), Fidelity National Information Services Inc. and 
      Certegy, and any vendors associated with the Program, as well as any card association of which Marine FCU is a member, 
      totally harmless if Marine FCU fails to meet its contractual and other obligations with FIBA or Fidelity National Services Inc. and 
      Certegy, which results in the Program being interrupted or terminated prior to any CashBack credits being awarded to You. 
       
      37. Mandatory Arbitration of Disputes and Claims.  
      Arbitration is a method of deciding disputes outside the court system. The parties agree and understand that they choose 
      arbitration instead of litigation to resolve all claims and disputes not specifically excluded.  This provision governs when and 
      how any disputes you and we may have will be decided. Unless specifically prohibited by applicable law all disputes, claims, 
      damages, choses in action, claims for injunctive relief or controversies arising from or relating in any way to the agreements, 
      relationships, accounts, loans, or security agreements between you and us; the relationships which result or arise as a result of 
      this Agreement; any rights, privileges or services you receive from us now or in the future; any claims or disputes arising in or 
      ancillary to any bankruptcy or other insolvency proceeding; or the validity of this clause (together referred to collectively as 
      Agreement), shall be resolved by binding arbitration by a single arbitrator chosen with the mutual consent of  the parties. The 
      arbitrator must be an attorney with more than ten (10) years experience or a retired judge. If for any reason the parties do not 
      consent to an arbitrator within thirty (30) days from the date that notice of a claim or intent to arbitrate is provided to the other 
      party, then an arbitrator will be selected pursuant to the Rules of the American Arbitration Association ("AAA"). This arbitration 
      Agreement is made pursuant to a transaction in Interstate Commerce, and shall be governed by the Federal Arbitration Act 
      
                     Copyright� 1994-2010 by Credit Union Resources and Educational Services, LLC (�CURES, LLC�).  All rights reserved. 
                                                                  Updated 10/15/2010 
     ("FAA") at 9 USC � 1, et seq., as amended from time to time. It is understood and agreed that your Credit Plan Agreement(s), 
     your Accounts, all transactions on your Accounts, and any dispute defined herein shall involve Interstate Commerce.  If any 
     dispute between us does not involve Interstate Commerce, such dispute shall be governed by the Arbitration Act for the State 
     set forth in this Agreement. as amended from time to time, in which case all references to the FAA herein shall be to said State 
      Act. If the State has no Arbitration Act, then the parties will be governed by the Rules of the American Arbitration Act 
      in any matter not involving interstate commerce  The parties agree and understand that the arbitrator shall have all power 
      provided by the law and this Agreement to make and enter findings of fact and determination of judgment based on the parties� 
     Agreements and applicable law, including but not limited to the rights of possession, off-set, property rights, money damages, 
     declaratory relief, and injunctive relief.  No arbitrator shall have the jurisdiction or authority to add to, take from, nullify or modify 
     any of the terms the Agreement.  The arbitrator shall be bound by the facts and evidence submitted to him.  Arbitration will be 
     subject to the rules of procedure and evidence consistent with the Rules of the American Arbitration Association, and the 
     Arbitrator will not apply federal or state rules. The decision of the arbitrator shall be final and binding and may be enforced in 
      accordance with the terms of either the Federal or applicable State Law, except for any specific appeal right regarding a 
      judgment under the FAA or a judgment for more than $100,000. For these judgments, any party may appeal to a three-
      arbitrator panel appointed by and under the rules of the AAA. The decision of the panel will be by majority vote and will be final 
      and binding except for any specific appeal right under the FAA. All provisions of this Arbitration Agreement will apply to the 
      panel. Judgment upon the award rendered may be entered in any court having jurisdiction. 
       
      Exception to Mandatory-Binding Arbitration for Small Claims: The parties to this agreement may bring any individual claim 
      or action hereunder in the small claims court in the State that has jurisdiction pursuant to the provisions set forth in this 
      Agreement as long as the amount of all claims or other actions does not exceed the lesser sum of $7,500.00 inclusive of costs 
      and legal fees or the maximum jurisdiction the venue of a State Court providing for the resolution of small claims. No 
      representative or class claims may be brought or asserted pursuant to this exception.  
        
      THE PARTIES AGREE AND UNDERSTAND THAT ALL DISPUTES (INCLUDING ALL LEGAL AND EQUITABLE RIGHTS 
      AND REMEDIES) ARISING UNDER CASE LAW, STATUTORY LAW, AND ALL OTHER LAWS INCLUDING, BUT NOT 
      LIMITED TO, ALL CONTRACT, TORT, REGULATORY, AND PROPERTY DISPUTES WILL BE SUBJECT TO BINDING 
      ARBITRATION IN ACCORD WITH THIS AGREEMENT.  Notwithstanding anything hereunto the contrary, the Credit Union 
      retains an option to use judicial or non-judicial relief to enforce a security agreement relating to any collateral pledged to secure 
      the Agreements between the parties, to enforce all monetary obligations by you to the Credit Union so long as there is no 
      dispute that is subject to mandatory arbitration, or to foreclose on any collateral securing your obligations to us by way of 
      replevin, claim and delivery, or otherwise.  The initiation and maintenance of an action for judicial relief in a court [on the 
      foregoing terms] shall not constitute a waiver of the right of any party to compel arbitration regarding any other dispute or 
      remedy subject to arbitration in this Agreement, including the filing of a counterclaim in any action brought by the Credit Union 
      pursuant to this provision. Any arbitration proceeding will take place in the federal judicial circuit where you live. If you cannot 
      afford to pay the fees charged by the Arbitrator or any panel for an appeal as provided herein, we will consider any reasonable 
      written request by you for us to pay the fees of the Arbitrator or Arbitration Panel. We will pay any fees or costs specifically 
      required by applicable law. However, each party must bear the expense of that party's own attorneys, experts, and witnesses, 
      regardless of who wins the arbitration, except to the extent that applicable law specifically requires otherwise. The rules of the 
      AAA will be applied to any arbitration between the parties, except in the event of any inconsistency between this Agreement 
      and the rules of the AAA, in which case this Agreement will govern. Any costs we pay in order for you to bring a proceeding 
      hereunder are subject to being awarded to us upon a ruling or an award by the arbitrator that is favorable to the Credit Union. 
      The AAA and other legal assistance services may be able to refer you to legal assistance from government or non-profit 
      organizations that provide assistance to those who can show a financial need for such assistance. 
       
                               YOUR BILLING RIGHTS STATEMENT 
                              KEEP THIS NOTICE FOR FUTURE USE 
                                            
        This Notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.  
                                            
                                            
                                            
                                            
                                             
      
                     Copyright� 1994-2010 by Credit Union Resources and Educational Services, LLC (�CURES, LLC�).  All rights reserved. 
                                                                  Updated 10/15/2010 
                           NOTIFY US IN CASE OF ERRORS OR QUESTIONS 
                              ABOUT YOU STATEMENT / BILLING AT: 
                                            
                                  Marine Federal Credit Union 
                                       PO Box 1551 
                                  Jacksonville NC 28541-1551 
                                            
      If you think your statement is wrong, or if you need more information about a transaction on your statement, you must write 
      to us on a separate sheet of paper to the address listed in your periodic statement. You should write to us as soon as 
      possible. We must hear from you no later than 60 days after we sent you the first statement on which the error or problem 
      appeared. You can telephone us, but doing so will not preserve your rights. In your letter, you should give us the following 
      information: 
           �  Your name and account number.  
           �  The dollar amount of the suspected error.  
           �  Description of the error and explanation, if you can, of why you believe there is an error.  
           �  If you need more information, describe the item you are not sure about.  
      If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop 
      payment on any amount you think is wrong. To stop the payment, your letter must reach us 3 business days before the 
      automatic payment is scheduled to occur. 
             YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE: 
      We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either 
      correct the error or explain why we believe the bill was correct. 
      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, including FINANCE CHARGES, and we can apply any unpaid amount against your credit 
      limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of 
      the bill that are not in question. 
      If we find that we made a mistake on your statement, you will not have to pay the FINANCE CHARGES related to any 
      questioned amount. If we didn�t make a mistake, you may have to pay FINANCES CHARGES, and you will have to make up 
      any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe us and 
      the date that it is due. 
      If you fail to pay the amount we think you owe us, we may report you as delinquent. However, if our explanation does not satisfy 
      you and you write us within 10 days telling us that you still refuse to pay, we must tell anyone we report you to that you have a 
      question about your statement. And, we must tell you the name of anyone we reported you to. We must tell anyone we report 
      you to that the matter has been settled between you and us when it finally is. If we don�t follow these rules, we can�t collect the 
      first $50.00 of the questioned amount, even if the statement was correct. 
       
                           SPECIAL RULE FOR CREDIT CARD PURCHASES: 
       
      If you have a problem with the quality of property or services that you purchased with a credit card and you have tried in good 
      faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or 
      services. There are two limitations on this right: 
      1.  You must have made the purchases in your home state or, if not within your home state, within 100 miles of your current 
      mailing address; and  
      2.  The purchase must have been more than $50.00.  
      These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or 
      services. 
      
                     Copyright� 1994-2010 by Credit Union Resources and Educational Services, LLC (�CURES, LLC�).  All rights reserved. 
                                                                  Updated 10/15/2010 
      
      
                                   CONTACT INFORMATION  
      
                          Marine Federal Credit Union Credit Card Department: 
                                            
                                       PO Box 1551 
                                  Jacksonville NC 28541-1551 
                                   Toll Free 1.800.225.3967 
                                            
                   To Report a Lost or Stolen Credit Card or Other Access Device after Hours 
                                            
                                    Call:  1.800.325.3678 
                                            
                                            
                           To Close the Account: (SEND WRITTEN NOTICE) 
                                            
                                  Marine Federal Credit Union  
                                      Credit Card Dept. 
                                       PO Box 1551 
                                  Jacksonville NC 28541-1551 
      
                     Copyright� 1994-2010 by Credit Union Resources and Educational Services, LLC (�CURES, LLC�).  All rights reserved. 
                                                                  Updated 10/15/2010