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 the current billing cycle, and will continue to accrue until theclosing date of the billing cycle preceding the date on which theentire New Balance of purchases is paid in full or until the date ofpayment if more than 25 days from the closing date.The Finance Charge for a billing cycle is computed by applying amonthly Periodic Rate as low as .8250% which corresponds toan ANNUAL PERCENTAGE RATE of 9.9%, up to our highestdaily periodic rate of 1.500%, which corresponds to an ANNUALPERCENTAGE RATE of 18.0%. The ANNUAL PERCENTAGERATE is based on Individual Credit Hisory. Your ANNUALPERCENTAGE RATE will be disclosed to you when the card isissued. The monthly Periodic Rate is applied to the average dailybalance of Credit Purchases, which is determined by dividing thesum of the daily balances during the billing cycle by the numberof days in the cycle. Each daily balance of Credit Purchases isdetermined by adding to the outstanding unpaid balance of CreditPurchases at the beginning of the billing cycle any new CreditPurchases posted to your account, and subtracting any paymentsas received and credits as posted to your account, but excludingany unpaid Finance Charges.A Finance Charge will be imposed on Cash Advances from thedate of the Cash Advance or from the first day of the billing cyclein which the Cash Advance is posted to your account, whicheveris later, and will otherwise be calculated in the same manner asexplained above for Credit Purchases.In addition to the Finance Charge calculated as described above,a Finance Charge of $5.00 will be charged for each cashadvance that is added to your account.5.
Other Char ges. The following other charges (fees) will be
added to your Account, as applicable:a)Annual Fee: You will be charged an annual fee of $15.00on the first statement you receive after your account isopened. The fee will be charged each year until theaccount is closed and paid in full.b)Over-the-Credit-Limit-Fee: You may be charged a fee of
$25.00 on a statement date if your New Balance on thatdate, minus any fees imposed during the cycle, is over thecredit limit. You will be charged the fee each subsequentmonth until your New Balance on the statement date, lessany fees imposed during the cycle, is BELOW you creditlimit.c)Late Payment Fee: If you are 10 days or more late in
making a payment, a late charge of $35.00 will be added toyour account.d)Return Payment Fee: If a check or share draft used to
make a payment on your account is returned unpaid, youwill be charged a fee, of $35.00 for each item returned.e)Card Replacement Fee: You will be charged $10.00 for
each replacement card that you request.f)Document Copy Fee: You will be charged $5.00 for each
copy of a sales draft or statement that you request (exceptwhen the request is made in connection with a billing errormade by the credit union).g)Collection Costs: To the extent permitted by law, you will
also be required to pay the Credit Union�s collectionexpenses, including court costs and 15% attorney�s fees ifany sums owing hereunder are collected by or through anattorney-at-law.6.Payments. Each month you must pay at least the minimumpayment shown on your statement by the date specified on thestatement or no later than 25 days from the statement closing date,whichever is later. If your statement says the payment is "Now Due,"your payment is due no later than 25 days from the statementclosing date. You may pay more frequently, pay more than the mini-mum payment or pay the Total New Balance in full.  If you makeextra or larger payments, you are still required to make at least theminimum payment each month your Account has a balance (otherthan a credit balance). The minimum payment is 3% of your TotalNew Balance, or $20.00 whichever is greater, 
plus the amount of
any prior minimum payments that you have not made, and anyamount you are over your credit limit. The Credit Union also has theright to demand immediate payment of any amount by which youare over your credit limit.7.
Payment Allocation. Subject to applicable law, your payments
may be applied to what you owe the Credit Union in any manner theCredit Union chooses.8.
Security Interest. To secure your credit card account, you grant
us a purchase money security interest in any goods you purchasethrough the account. If you default, we will have the right to recoverany of these goods which have not been paid for. As a condition forthe approval of your credit card account you grant us a specific pledgeof your Credit Union shares (deposits) and checking account(s),excepting those accounts that would have an adverse taxconsequence if pledged as collateral. Collateral securing other loansyou have with the Credit Union may also secure this loan, exceptthat your home will never be considered as security for this Accountnotwithstanding anything to the contrary in any other agreement.PLEDGE OF SHARE AND SHARE DRAFT (CHECKING)ACCOUNT(S)�NOTE: YOU PLEDGE TO US AND GRANT ASECURITY INTEREST IN ALL INDIVIDUAL AND JOINTACCOUNTS YOU HAVE WITH US NOW AND IN THE FUTURE,TO SECURE YOUR CREDIT CARD ACCOUNT. YOU AUTHORIZEUS TO APPLY THE BALANCE IN THESE ACCOUNT(S) TO PAYANY AMOUNTS DUE UNDER THIS AGREEMENT IF YOUSHOULD DEFAULT.
9. Default. You will be in default if you fail to make any minimumpayment or other required payment by the date that it is due. You willbe in default if you break any promise you make under thisAgreement. You will be in default if you die, file for bankruptcy orbecome insolvent, that is, unable to pay your obligations when theybecome due. You will be in default if you make any false ormisleading statements in any credit application or credit update. Youwill also be in default if something happens that the Credit Unionbelieves may substantially reduce your ability to repay what youowe.When you are in default, the Credit Union has the right to demandimmediate payment of your full Account balance without giving younotice. If immediate payment is demanded, you agree to continuepaying finance charge, at the periodic rate charged before default,until what you owe has been paid, and any shares that were givenas security for your Account may be applied towards what you owe.10.
Unauthoriz ed Use�Lost/Stolen Car d Notification. You have
no liability for the unauthorized use of your card. If you believe yourcard has been lost or stolen, notify the Credit Union by calling (706)434-1600, or (866) 422-8616.11.Changing or Terminating Your Account. The Credit Union may
change the terms of this Agreement from time to time.  Notice of anychange will be given in accordance with applicable law. Use of yourCard after receiving notice of a change will indicate your agreementto the change. If permitted by law and specified in the notice to you,the change will apply to your existing Account balance as well as tofuture transactions.Either you or the Credit Union may terminate this Agreement at anytime, but termination by you or the Credit Union will not affect yourobligation to pay the Account balance plus any finance and othercharges you owe under this Agreement. You are also responsiblefor all transactions made to your Account after termination, unlessthe transactions were unauthorized.The Card or Cards you receive remain the property of the CreditUnion and you must recover and surrender to the Credit Union allCards upon request or upon termination of this Agreement whetherby you or the Credit Union. The Credit Union has the right to requireyou to pay your full Account balance at any time after your Accountis terminated, whether it is terminated by you or the Credit Union. Ifthis is a joint Account, Section 17 of this Agreement also applies totermination of the Account.12.
Credit Inf ormation. You authorize the Credit Union to
investigate your credit standing when opening or reviewing yourAccount. You authorize the Credit Union to disclose informationregarding your Account to credit bureaus and creditors who inquireabout your credit standing.13.
Returns and Adjustments. Merchants and others who honoryour Card may give credit for returns or adjustments, and they willdo so by sending the Credit Union a credit slip which will be postedto your Account. If your credits and payments exceed what you owethe Credit Union, the amount will be applied against future purchasesand cash advances. If the credit balance amount is $1 or more, itwill be refunded upon your written request or automatically after sixmonths.14.
Additional Benefits/Car d Enhancements. The Credit Union
may from time to time offer additional services to your Account, suchas travel accident insurance, at no additional cost to you. Youunderstand that the Credit Union is not obligated to offer suchservices and may withdraw or change them at any time.15.
Foreign Transactions. Purchases and cash advances made in
foreign countries and foreign currencies will be billed to you in U.S.dollars. The conversion rate to U.S. dollars will be determined inaccordance with the operating regulations established by VISAInternational. Currently the currency conversion rate used todetermine the transaction amount in U.S. dollars is either agovernment-mandated rate or the wholesale market rate in effectone day prior to the transaction processing date, increased byone-percent. The currency conversion rate used on the processingdate may differ from the rate that would have been used on thepurchase date or cardholder statement posting date.
16.Merchant Disputes. The Credit Union is not responsible for the
refusal of any merchant or financial institution to honor your Card.The Credit Union is subject to claims and defenses (other than tortclaims) arising out of goods or services you purchase with the Cardif you have made a good faith attempt but have been unable to    obtainsatisfaction from the merchant or service provider, and (a) yourpurchase was made in response to an advertisement the Credit Unionsent or participated in sending to you; or (b) your purchase cost more
2002 �ConmarSystems, Inc., Peachtree City, GA 30269 - CFS 13683VISA CREDIT CARD AGREEMENT
In this Agreement the words "you" and "your" mean each and all ofthose who agree to be bound by this Agreement; "Card" means theVISA credit card and any duplicates, renewals, or substitutions theCredit Union issues to you; "Account" means your VISA credit cardline of credit account with the Credit Union, and "Credit Union" meansthe Credit Union whose name appears on this Agreement oranyone to whom the Credit Union transfers this Agreement.1.
Using Your Account. If you are approved for an Account, the
Credit Union will establish a line of credit for you and notify you ofyour credit limit. You agree that your credit limit is the maximumamount (purchases, cash advances, finance charges, plus "othercharges") that you will have outstanding on your Account at anytime. Each payment you make to your Account will restore your creditlimit by the amount of the payment, unless you are over your creditlimit. If you are over your credit limit, you must pay the amount youare over before payments will begin to restore your credit limit. Youmay request an increase in your credit limit only by a methodacceptable to the Credit Union. The Credit Union has the right toreduce your credit limit, refuse to make an advance and/orterminate your Account at any time for any reason not prohibited bylaw.2.
Using the VISA Card. You may use your Card to make purchases
from merchants and others who accept VISA Cards. In addition, youmay obtain cash advances from the Credit Union and from otherfinancial institutions that accept VISA Cards, and from someautomated teller machines (ATMs), (Not all ATMs accept VISA Cards.)To obtain cash advances from an ATM, you must use the PersonalIdentification Number (PIN) that is issued to you for use with yourCard. You may use your Visa Card to conduct any transaction orobtain any credit union service permitted by law. You agree that theuse of the Visa Card to obtain a service or effect a transaction that isillegal under the law of any jurisdiction where originated, effected oraccomplished will be a default and breach of this agreement. Wemay terminate the access to the service or withdraw the right to usethe Visa Card and/or demand the return of all Visa Cards or otheraccess devices issued to you. If illegal use of your Visa Card occurs,you waive the right to sue us and agree to indemnify and hold usharmless from any suits or other legal action or liability which maybe asserted, directly or indirectly, against us arising out of orresulting from the illegal use of the Visa Card.3.
Responsibility . You agree to pay all charges (purchases and cash
advances) to your Account that are made by you or anyone whomyou authorize to use your Account. You also agree to pay all financecharges and other charges added to your Account under the terms ofthis Agreement or another agreement you made with the Credit Union.If this is a joint Account, Section 17 below also applies to yourAccount.4.
Finance. A Finance Charge will be imposed on Credit Purchasesonly if you elect not to pay the entire New Balance of purchasesshown on your monthly statement for the previous billing cycle within25 days from the closing date of that statement. If you elect not topay the entire New Balance of purchases shown on your previousmonthly statement within that 25-day period, a Finance Charge willbe imposed on the unpaid average daily balance of such CreditPurchases from the previous statement closing date and on newCredit Purchases from the date of posting to your account during