�CUNA Mutual Group 1991, 2006, 09, 10, 12, 14 All Rights Reserved 000000 (MXC503 CCM004)CU L
OGO DADE COUNTY FEDERAL CREDIT UNION 1500 NW 107th Ave Doral, FL 33172 (305) 471-5080Fax: (305) 392-2597http://www.dcfcu.org
VISA PLATINUM AND VISA SECUREDCONSUMER CREDIT CARD AGREEMENT
In this Agreement, �Agreement� means this Consumer Cred it Card Agreement. �Disclosure� means the Credit Card Account Opening Disclosure. The Account Opening Disclosure is incorporated into this Consumer Credit Card Agreement and is part of the Agreement. In this Agreement the word s "you," �your,� and "yours" mean each and all of those who agree to be bound by this Agreement; "card" means the Visa credit card and any duplicates, renewals, or substitutions the Credit Union issues to you; "account" means your Visa credit  card line-of-credit account with the Credit Union; and "Credit Union" means the Credit Union whose name appears on this Agreement or anyone to whom the Credit Union transfers this Agreement. 
1.
USING YOUR ACCOUNT � If you are approved for an account, the Credit Union will establis
h a line of credit for you.
You ag
ree that your credit limit is the maximum amount (p urchases, cash advances, finance charges, plus "other charges") which you will have outstanding on your account at any time. Unless disclosed otherwise, the Credit Union 
will
not allo
w advances over the credit limit. If the Credit Union has a program whereby it allows payment of advances th
at
excee
d your credit limit, subject to a fee, the Credit Union w ill provide you with notice, either orally, in writing, 
or
electroni
cally (notwithstanding the requirements of the paragraph entitled �Statements and Notices�) explaining your 
right
to opt in to the Credit Uni
on�s program whereby it will honor advance requests over the credit 
limit. In the event you opt in
to such a pro
gram, you agree to the terms of such a program. You may request an increase in your credit limit only by a method acceptable to the Credit Union. The Credit Union may in crease or decrease your credit limit, refuse to make an advance and/or terminate your account at any time for any re ason not prohibited by law. If you are permitted to obtai
n
ca
sh advances on your account, we may, from time to time , issue convenience checks to you that may be drawn on your account. Convenience checks may not be used to make a pay ment on your account balance. If you use a convenienc
e
check, it will 
be posted to your account as a cash advance. We reserve the right to refuse to pay 
a convenience check
dra
wn on your account for any reason and such refusal shall not constitute wrongful dishono
r.
You may req
uest that we stop the payment of a convenience check drawn on y our account. You agree to pay any fee imposed to stop a payment on a convenience check issued on your account. You may make a stop payment request orally, if permitted, or in writing. Your request must be ma de with sufficient time in advance of the presentment of the check for payment to give us a reasonable opportunity to ac t on your request. In addition, your request must accurately describe the check including the exact account number, the payee, any check number that may be applicable, and the exact amount of the check. If permitted, you may make a stop payment request orally but such a request will expire after 14 days unless you confirm your request in writing within that time. Written stop pay ment orders are effective only for six months and may be renewed for additional six month periods by  requesting in writing that the stop payment order be renewed. We are not required to notify you when a stop payment order expires. If we  re-credit your account after paying a check or draft over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the payee, to assign to us all of your rights against the payee or ot her holders of the check or draft and to assist us in any legal action. You agree to indemnify and hold us harmless fr om all costs and expenses, including attorney's fees, damages, or claims, related to our honoring your stop payment request or in failing to stop payment of an item as a result of incorrect information provided to us or the giving of inadequate time to act upon a stop payment request.  
2. USING 
YOUR CARD � You understand that the use of your credit card or credit card account will cons
titute
ackno
wledgement of receipt and agreement to the terms of t he Credit Card Agreement and Credit Card Account Opening Disclosure (Disclosure). You may use your card to make purchases from merchants and others who accept yo
ur card.
The credit uni
on is not responsible for the refusal of any merchant or financial institution to honor your card. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before y
ou
will b
e permitted to complete the transaction. In addition, you may obtain cash advances from the Credit Union, from othe
r
financi
al institutions that accept your card, and from some au tomated teller machines (ATMs). (Not all ATMs accept your card.) If the credit union authorizes ATM transactions with your card, it will issue you a personal identification num
ber
(PIN). To obt
ain cash advances from an ATM, you must use the PIN issued to you for use with your card. You agree
 that
you will n
ot use your card for any transaction that is illegal unde
 r applicable federal, state, or local law. Even if you use
your card for an illegal transaction, you will be responsible for all amounts and charges incurred in connection with thetransaction. If you are permitted to obtain cash advances on your account, you may also use your card to purchase instruments and engage in transactions that we consider the e quivalent of cash. Such transactions will be posted to your account as cash advances and include, but are not limited to, wire transfers and money orders. This paragraph sh
all not
be interpreted as permitting or authorizing any transaction that is illegal.
 000000 (MXC503 CCM004)3.
PROMISE TO PAY � You promise to pay all charges (purchases, cash advances, balance transfers, use of convenience checks or any other charge) made to your acc ount by you or anyone you authorize to use your account. You
also pro
mise to pay all finance charges and other charges adde d to your account under the terms of this Agreement or
anothe
r agreement you made with the Credit Union. If this is a joint account, the paragraph on JOINT ACCOUNTS alsoapplies to your account.4.
PERIODIC RATES � The periodic rates applicable to purchases,  cash advances, and balance transfers are disclosed on the Disclosure that accompanies this Agreemen t. Any penalty rate that may be imposed for failing to make a
payment 
by the payment due date is also disclosed on th e Disclosure. Any rate change will be made pursuant to applicable law. If the rate for your account is variable, as indicated on the accompanying Disclosure, the rate charged on purchases, cash advances, balance transfers and any penalty ra te will vary periodically as disclosed in the Disclosure accompanying this Agreement. The initial rate on your accoun t for certain types of transactions may be an introductory discounted rate (Introductory Rate) that is lower than the rate that would ordinar ily apply for that type of transaction. If an Introductory Rate applies to your account, the rates and the period of time it will be effective is shown on the Disclosure
accompanying this A
greement. After the Introductory Rate period expires, the periodic rate will automatically increase to the rates that would ordinarily apply for that type of  transaction based on the terms of this Agreement. 5. FINA
NCE CHARGES � New purchases posted to your account during a billing cycle will not incur a finance charge
for that billing cycl
e. Finance charge begins to accrue on those purchases from the first day of the next billing cycle,
unless you paid the entire new balance 
on the previous cycle�s billing statement by the payment due date of that
statement. T
o avoid an additional finance charge on the balan ce of purchases, you must pay the entire new balance on the billing statement by the payment due date of that statem ent. A finance charge begins to accrue on cash advances
from the date you get the 
cash advance or from the first day of the billing cycle in which the cash adv ance is posted to your account, whichever is later (transaction date).The finance charge is calculated separately for purchases and cash advances. For purchases, the finance charge is computed by applying the periodic rate to the average daily balance of purchases. To calculate the average daily balance of purchases, we take the beginning outstanding balance of purchases each day and s ubtract any payments and/or credits that we apply to the purchase balance. (We do not add in any purchases posted during the billing cycle.) This gives us the daily balance of purchases. We then add all of  the daily balances of purchases for the billing cycle together and divide the total by the number of days in the billing cycle.  This gives us the average daily balance of purchases.  For cash advances, the finance charge is computed by applyi ng the periodic rate to the average daily balance of cash advances. To calculate the average daily balance of cash advances, we take the beginning outstanding balance of cash advances each day, add in any new cash advances, and subtract  any payments and/or credits that we apply to the cash advance balance. This gives us the daily balance of cash  advances. We then add all of the daily balances of cash advances for the billing cycle together and divide the total by t he number of days in the billing cycle. This gives us the average daily balance of cash advances. Balance transfer s are calculated in the same manner as cash advances. 6.
FOREIGN TRANSACTIONS � Purchases and cash advances made in foreign currencies will be debited from youraccount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the
appli
cable central processing date, which rate may vary from the rate Visa itself receiv es or the government-mandated rate in effect for the applicable central processing date. T he exch ange rate used on the processing date may differ from the rate that would have been used on the purchas e date or cardholder statement posting da
te.
A fee (finance charge), calculated in U.S. dollars, will be im posed on all foreign transactions, including purchases, cash advances and credits to your account. A foreign transaction is any transaction that you complete or a merchant completes on your card outside of the United States, with the exception of U.S. military bases, U.S. territories, U.S. embassies or U.S. consulates. The Foreign Transaction Fee is set forth on the Disclosure accompanying this Agreement. 
7. FEES � In addition to the periodic rate, the following additional fees may be imposed on your account. If applicable toyour account, the fee amounts and explanations are disclosed on the Disclosure accompanying this Agreem
ent. Your
accou
nt may also be subject to additional fees as set forth on the Disclosure accompanying this Agreemen
t. a.
Cash Advance Fee (Finance Charge). If your account is subject to a Cash Advance Fee (finance charge), the fee will be charged to your account when you obtain a cash adv ance from an ATM, the Credit Union or other financial
institution.b.
Foreign Transaction Fee (Finance Charge).  If your account is subject to a Foreign Transaction Fee (finance charge), a fee may be charged to your account for transactions made outside of the United States or in a foreign curren
cy. c.
Late Payment Fee. If your account is subject to a Late Payment F
ee, the fee will be charged to your account when
you do n
ot make the required minimum payment by or within the number of days of the statement Payment Due Date set forth on the Disclosure accompanying this Agreement
. d.
Over-the-Credit Limit Fee. If you have elected the feature to allow your account to go over your credit limit, we maycharge you a fee as allowed by law. However, in no case will we impose an over-the-limit fee except in the next two bill
ing
 000000 (MXC503 CCM004)cycle
s unless you have obtained an additional extension of credit in excess of such credit limit during each subsequent cycle or you have reduced the balance below the credit limit as of the end of each bill cycle. e.
Returned Payment Fee. If your account is subject to a Returned Payment Fee, the fee will be charged to your
accou
nt when a payment is returned for any reason.f. Statem
ent Copy Fee. If your account is subject to a Statement Copy  Fee, except as limited by applicable law and when the request is made in connection with a billing error made by the Credit Union, a fee may be charged to your
accou
nt for each copy of a sales draft or statement that you request. g. Rush 
Fee. If your account is subject to a Rush Fee, except as  limited by applicable law, a fee may be charged to your account for each rush card that you request, providing deliver y of the card is also available by standard mail service, without paying a fee for delivery.h.
Card Replacement Fee. If your account is subject to a Card Replacement Fee, a fee will be charged for each
repla
cement card that is issued to you for any reason. 8. PAYMENTS 
� Each month you must pay at least the minimu m payment shown on your statement by the date
spe
cified on the statement. You may pay more frequently, pay  more than the minimum payment or pay the total new
balan
ce in full. If you make extra or larger payments, you ar e still required to make at least the minimum payment each
month you
r account has a balance (other than a credit balance). The minimum payment is 3.00% of your total new
balan
ce, or $10.00, whichever is greater, plus the amount of any prior minimum payments that you have not made, all outstanding unpaid fees and charges, and any amount you are over your credit limit by  the date specified on the
statement. 
The Credit Union also has the right to demand imm ediate payment of any amount by which you are over your
credit limit. In accordance 
with applicable law, the Credit Union may not post payments to your account or reflect them in
your availabl
e credit limit on the date they are received.  The Credit Union may delay replenishing your credit limit until the date the payment is posted or the Credit Union confirms the payment has cleared. 9. PAYMENT 
ALLOCATION � Subject to applicable law, your payments may be applied to what you owe the CreditUnion in any manner the Credit Union chooses. However, in every case, in the event you make a payment in excess of
the re
quired minimum periodic payment, the Credit Union will al locate the excess amount first to the balance with the highest annual percentage rate and any remaining portion to the other balances in descending order based on applicable annual percentage rate.10.
SECURITY INTEREST � You grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights the Credit Union may have in any goods you purchase. If you give the Credit Union a specific pledge of shares by signing a separate pledge of shares, your pledged shares will secure your account. You may
not withd
raw amounts that have been specifically pledged to se cure your account until the Credit Union agrees to release
all or pa
rt of the pledged amount.
Your Account is secured by all other shares you have in any individual or joint account with the Credit Union, 
except for shares in an Individual Retirement Account or in any other account that would lose special tax 
treatment under state or federal law if given as security. These other shares may be withdrawn unless you are 
in default under this agreement. You authorize the Credit Union to apply the balance in your individual or joint 
share accounts to pay any amounts due on your Account if you should default. Collateral securing other loans you have with the Credit Union may also secure this loan, except that a dwelling will never be considered as security for this account, notwithstandi ng anything to the contrary in any other agreement.  
11. DEFAULT � You will be in default if you fail to make any mini mum payment or other requir
ed payment by the date
that it is due. You will be in default if you break any promise you make under this Agreement. You will be in default if youdie, file for bankruptcy or become insolvent, that is, unable to pay your obligations when they become due. You will be in default if you make any false or misleading statements in any credit application or credit update.
 You will also be in default
if something 
happens that the Credit Union believes may substantially reduce your ability to repay what you owe. When you are in default, the Credit Union has the right to demand immediate payment of your full account balance without giving you notice. If immediate payment is demanded, you agree to c ontinue paying finance charges at the periodic rate charged before default, until what you owe has been paid, and any shares that were given as security for your account may be applied towards what you owe. In the event that any suit is filed against the Credit Union wi th respect to this Agreement, or any credit card issued under this Agreement, the suit shall only be brought in the courts of the state of Florida. 
12.
LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION �  You agree
 to notify us
immediately, 
orally or in writing, at PO Box 10409, Des Moines, IA 50306-0409 or telephone 1(800) 234-5354 seven day
s
a week, 24 hours a day, of the loss, theft, or unauthorized use of y
our credit card. You may be liable for the unauthori
zed
use of your credit card. You will not be liable for unauthorized 
use that occurs after you notify us of 
the loss, theft, or
possibl
e unauthorized use. You will have no liability for unauthorized transactions made with your credit card, unless youare grossly negligent in the handling of your card. In any case, your liability will not exceed $50.00.
 000000 (MXC503 CCM004)13.
CHANGING OR TERMINATING YOUR ACCOUNT �  As permitted by law, the Credit Union may change the terms
of this Agre
ement and any attached Disclosure from time to ti me. Notice of any change will be given in accordance with applicable law. If permitted by law and specified in the notic e to you, the change will apply to your existing account
balanc
e as well as to future transactions.
Either you
 or the Credit Union may terminate this Agreement at  any time, but termination by you or the Credit Union will not affect your obligation to pay the account balance plus any finance and other charges you owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges you owe under this agreement are subject to all applicable laws and regulations regarding repayment re quirements. You are also responsible for all transactions made to your account after termination, unless the transactions were unauthorized. The card or cards you receive remain the property of the Cr edit Union and you must recover and surrender to the Credit Union all cards upon request or upon termination of this Agreement whether by you or the Credit Union. If this is a joint account, the paragraph on JOINT ACCOUNTS of this Agreem ent also applies to termination of the account.  14.
CHANGING OR TERMINATING AUTHORIZED USERS �  Upon your request, we may issue additional cards for
authori
zed users that you designate. You must notify us in wr iting of any termination of an authorized user's right to access your account. Your letter must include the name of  the authorized user and your account number and/or any
sub
account number issued to the authorized user along with  the authorized user's card and any convenience or other
acce
ss checks issued to the authorized user. If you cannot return the authorized user's card or access checks and if yourequest your account to be closed, we will close your account and you may apply for a new account.15.
CREDIT REVIEW AND RELEASE OF INFORMATION �  You authorize the Credit Union to investigate your credit
standi
ng when opening or reviewing your account. You authorize the Credit Union to disclose information regarding your
accou
nt to credit bureaus and creditors who inquire about your credit standing. If your account is eligible for emergency cash and/or emergency card replacement services, and you request such services, you agree that we may provide
person
al information about you and your account that is necessary to provide you with the requested service(s). 16.
RETURNS AND ADJUSTMENTS � Merchants and others who honor your card may give credit for returns or
adju
stments, and they will do so by sending the Credit Union a credit slip which will be posted to your account. If your
cre
dits and payments exceed what you owe the Credit Union, the amount will be applied against future purchases and
ca
sh advances. If the credit balance amount is $1.00 or mo re, it will be refunded upon your written request or
automatically after six mont
hs.17.
ADDITIONAL BENEFITS/CARD ENHANCEMENTS � The Credit Union may from time to time offer additionalservices to your account, such as travel accident insurance, at no additional cost to you. You understand that the Credit
Unio
n is not obligated to offer such services and may withdraw or change them at any time. 18.
MERCHANT DISPUTES � The Credit Union is not responsible for the re fusal of any merchant or financial institution to honor your card. The Credit Union is subject to claims a nd defenses (other than tort claims) arising out of goods or services you purchase with the card if you have made a good faith attempt but  have been unable to obtain satisfaction from the merchant or service provider, and (a) your purcha se was made in response to an advertisement the Credit Union
sent 
or participated in sending to you; or (b) your purchase cost more than $50.00 and was made in your state or within
100 mile
s of your home.19. JOINT 
ACCOUNTS � If this is a joint account, each of you will be individually and jointly responsible for paying allamounts owed under this Agreement. This means that the Credit Union can require any one of you individually to repay
the entire am
ount owed under this Agreement. Each of you authorizes the other(s) to make purchases or cash advancesindividually. Any one of you may terminate the account and the termination will be effective as to all of you. 20.
EFFECT OF AGREEMENT � This Agreement is the contract which applies to all transactions on your account eventhough the sales, cash advances, credit or other slip s you sign or receive may contain different terms.21. NO 
WAIVER � The Credit Union can delay enforcing any of its rights any number of times without losing them. 22.
STATEMENTS AND NOTICES � Statements and notices will be mailed or delivered to you at the appropriate
address you 
have given the Credit Union. Notice sent to any one of you will be considered notice to all. 23.
SEVERABILITY AND FINAL EXPRESSION �  This Agreement and the Disclosure are the final expression of the
terms an
d conditions of your account. This written Agreement and Disclo sure may not be contradicted by evidence of an y
alleged oral agreement. Should any part of this Agreement or the Disclosure be found to be invalid or unenforceable, al
l
other parts of this Agreement and Disclosure shall remain in effect and fully enforceable to the fullest extent possible under this Agreem
ent.24.COPY RECEIVED � You acknowledge that you have received a copy of this Agreement and Disclosure.
25.GAMBLING TRANSACTIONS PROHIBITED � You may not use your card to initiate any type of gamblingtransac
tion.26. PENALTY 
RATE DISCLOSURES � If applicable to your account, all rates for your account, including the rates fo
r
purcha
ses, cash advances, and balance transfers, will increase to the Penalty Rate when you meet one or more of theconditions as set forth in the Disclosure accompanying this  Agreement. Any rate increases applied to your account are
 000000 (MXC503 CCM004)subj
ect to applicable notice requirements. Please refer to t he Disclosure for additional information regarding the Penalty Rate. 27.
VOLUNTARY PAYMENT PROTECTION � We may offer Voluntary Payment Protection to you. Voluntary Payment Protection is not necessary to obtain credit. If you purchase Voluntary Payment Protection from us, you authorize us to
add the fe
es or insurance charges monthly to your loan ba lance and charge you interest on the entire balance. At our
option 
we will change your payment or the period of time necessary to repay the loan balance. The rate used to determine
the fee
s or insurance charges may change in the future. If the rate changes, we will provide any notices required by
appli
cable law.28.
NOTICE TO UTAH BORROWERS � This written agreement is a final expression of the agreement between you and
the Cre
dit Union. This written agreement may not be contradicted by evidence of any oral agreement. 29.
THE FOLLOWING IS REQUIRED BY VERMONT LAW � NOTICE TO CO-SIGNER � YOUR SIGNATURE ON THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.
Your Billing Rights: Keep this Document for Future Use 
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. What To Do If You Find A Mistake On Your Statement If you think there is an error on your statement, write to us: Dade County Federal Credit Union  PO BOX 10409  Des Moines, IA 50306-0409  You may also contact us on the Web: www.dcfcu.org In your letter, give us the following information: 
-Acco
unt information: Your name and account number.
-Dollar amou
nt: The dollar amount of the suspected error.
-Des
cription of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.You must contact us: 
-
Within 60 days after the error appeared on your statem
ent. -
At least 3 business days before an automated payment is  scheduled, if you want to stop payment on the amount you think is 
wrong.
You mu
st notify us of any potential errors in writing or electronically. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. What Will Happen After We Receive Your Letter When we receive your letter, we must do two things: 
1.
Within 30 days of receiving your letter, we must tell you t hat we received your letter. We will also tell you 
if we have
alrea
dy corrected the erro
r.2.
Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correc
t.
While 
we investigate whether or not there has been an error: 
-
We cannot try to collect the amount in question, or report you as delinquent on that amount.
-
The charge in question may remain on your statement, and we may continue to charge you interest on that amount.
-
While you do not have to pay the amount in question, you are responsible for the remainder of your balan
ce. -
We can apply any unpaid amount against your cred
it limit.
After we finish our inve
stigation, one of two things will happen: 
-If 
we made a mistake: You will not have to pay the amount in question or any interest or other fees related to thatamount.
-If 
we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the am ount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we thin
k you owe.
If you receive our 
explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent  without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported y ou as delinquent, and we must let those organizations know when the matter has been settled between us. 
 000000 (MXC503 CCM004)If we do not follow all of the rule
s above, you do not have to pay the first $50 of the amount you question even if your bill i s correct. Your Rights if You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you ma y have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1.
The purchase must have been made in your home state or within 100 miles of your current mailing address, and the
purcha
se price must have been more than $50. (Note: Neithe r of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2.
You must have used your credit card for the purchase. Pu rchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3.
You must not yet have fully paid for the purchase.If all of the criteria above are met and you are st ill dissatisfied with the purchase, contact us in writing or electronically at: Dade County Federal Credit Union  PO BOX 10409  Des Moines, IA 50306-0409    www.dcfcu.org While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.