PO BOX 89909
Tampa, FL 33689-0415

CREDIT CARD AGREEMENT

IN  THIS  AGREEMENT,  "YOU"  AND  "YOUR"  MEAN  ANY  PERSON  WHO  ACCEPTS  THIS  AGREEMENT  OR  USES  THE  CARD.  THE  "CARD"  MEANS  ANY  CREDIT  CARD  ISSUED  TO  YOU  OR  THOSE  
DESIGNATED  BY  YOU  UNDER  THE  TERMS  OF  THIS  AGREEMENT.  "WE",  "US",  "OUR"  AND  THE  "CREDIT  UNION"  MEANS  GROW  FINANCIAL  FEDERAL  CREDIT  UNION  OR  ITS  SUCCESSORS.  BY  
USING YOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.

THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR 
THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT.
YOU  SPECIFICALLY  GRANT  US  A  CONSENSUAL  SECURITY
INTEREST  IN  ALL  INDIVIDUAL  AND  JOINT  ACCOUNTS  YOU  HAVE  
WITH  US  NOW  AND  IN  THE  FUTURE  TO  SECURE  REPAYMENT  OF  
CREDIT  EXTENDED  UNDER  THIS  AGREEMENT.  YOU  ALSO  AGREE  
THAT  WE  HAVE  SIMILAR  STATUTORY  LIEN  RIGHTS  UNDER  STATE  
AND/OR  FEDERAL  LAW.  IF  YOU  ARE  IN  DEFAULT,  WE  CAN  APPLY  
YOUR SHARES TO THE AMOUNT YOU OWE.
Shares  and  deposits  in  an  Individual  Retirement  Account  or  any  other  
account that would lose special tax treatment under state or federal law if 
given are not subject to this security interest.
If  you  have  other  loans  with  us,  collateral  securing  such  loans  will  also  
secure your obligations under this Agreement, unless that other collateral 
is your principal residence or non-purchase money household goods.

Using Your Card. You  can  purchase  or  lease  goods  and  services  from  any  
merchant  who  honors  your  Card,  and  you  may  obtain  cash  advances  from  
financial  institutions  and  ATM  machines  that  accept  the  Card,  up  to  your  
maximum  credit  limit.  You  agree  not  to  present  your  Card  or  obtain  a  cash  
advance  for  any  extension  of  credit  in  excess  of  your  available  credit  limit;  
however,  if  you  do  exceed  your  credit  limit,  you  agree  to  make  immediate  
payment  sufficient  to  bring  the  balance  below  the  credit  limit.  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  in  certain  countries  or  geographic  areas.  We  will  
have no liability to you or others if any of these events occur.

 Identification  Number  (PIN).

 We  may  issue  a  Personal
Personal
Identification  Number  (PIN)  for  use  with  your  Card.  This  PIN  is  confidential  
and should not be disclosed to anyone. You may use your PIN and your Card 
to access your account, and all sums advanced will be added to your account 
balance.  In  the  event  a  use  of  your  PIN  constitutes  an  Electronic  Funds  
Transfer,  the  terms  and  conditions  of  your  Electronic  Funds  Transfer  
Agreement may affect your rights.

Promise To Pay. You promise to pay us in U.S. dollars for (a) all purchases, 
cash  advances,  and  balance  transfers  made  by  you  or  anyone  whom  you  
authorize  to  use  the  Card;  (b)  all  Interest  Charges  and  all  other  charges  or  
fees;  (c)  collection  costs  and  attorney's  fees  as  permitted  by  applicable  law,  
and  any  other  costs  incurred  in  the  recovery  of  the  Card;  and  (d)  credit  in  
excess of your credit limit that we may extend to you.

Illegal Transactions. You agree that your Card and account will not be used 
to make or facilitate any illegal transactions as determined by applicable law; 
and  that  any  such  use  will  constitute  an  event  of  default  under  this  
Agreement.  We  may  decline  any  transaction  that  we  believe  to  be  illegal  
under applicable law, including but not limited to any transaction involving or 
relating  to  any  gambling  activity.  You  agree  that  we  will  have  no  liability  or  
responsibility  for  any  such  use  by  you  or  any  authorized  user(s);  or  for  
declining  any  such  transaction.  You  further  agree  to  indemnify  and  hold  us  
harmless from any suits, liability, damages or adverse action of any kind that 
results directly or indirectly from such illegal use. You promise to pay us any 
and all amounts owing on your Card for any transactions made by you, even 
if the transaction is determined to be illegal.

Joint Accounts. Each of you will be responsible, jointly and severally, for the 
repayment  of  amounts  owed,  regardless  of  who  initiated  any  transaction  
under the account.

Ownership of Card.  Your  Card  remains  our  property  and  may  be  cancelled  
by  us  at  any  time  without  notice.  You  agree  to  surrender  your  Card  and  to  
discontinue use of the account immediately upon our request.

Interest Charges. You agree to pay interest at the rate(s) disclosed to you at 
the time you open your account and as may be changed from time to time in 
accordance  with  applicable  law.  Average  Daily  Balance  including  new  
transactions:  Interest  Charges  will  accrue  on  your  average  daily  balance  
outstanding during the month. To get the average daily balance, we take the 
beginning  balance  each  day,  add  any  new  purchases,  cash  advances,  
balance  transfers  or  other  advances,  and  subtract  any  payments,  unpaid  
interest  charges,  and  unpaid  late  charges.  This  gives  us  the  daily  balance.  
Then, we add up all the daily balances for the billing cycle and divide that by 
the number of days in the billing cycle. We then multiply that by the periodic 
rate  corresponding  to  the  Annual  Percentage  Rate  on  your  account.  If  you  
have  different  rates  for  purchases,  cash  advances  or  balance  transfers,  
separate  average  daily  balances  for  each  will  be  calculated  and  the  
appropriate periodic rate is then applied to each.

Grace Period on Purchases and Balance Transfers Only:  You  can  avoid  
Interest  Charges  on  purchases  and  balance  transfers  by  paying  the  full  
amount of the new balance for purchases and balance transfers each month 
by the date on which the payment is due. Otherwise, the new balance of your 
account,  and  subsequent  advances  from  the  date  they  are  posted  to  the  
account,  will  be  subject  to  an  Interest  Charge.  You  cannot  avoid  Interest  
Charges on cash advances; even if you pay the entire cash advance balance 
by the payment due date, you will incur the Interest Charges accrued from the 
date the cash advance is posted to your account.

Fees. In  addition  to  the  Interest  Charges  set  forth  above,  you  agree  to  also  
pay  any  and  all  fees  that  you  incur  as  disclosed  to  you  on  your  Truth-in-  
Lending  Statement  or  similar  disclosures  (as  may  be  amended  from  time  to  
time), or as disclosed to you during the term of your Card.

If  Your  Card  is  Lost  or  Stolen  or  if  an  Unauthorized  Use  Occurs.  You  
agree  to  notify  us  immediately  if  your  Card  is  ever  lost  or  stolen  or  if  an  
unauthorized  use  may  have  occurred.  "Unauthorized  use"  means  the  use  of  
the  Card  by  someone  other  than  you  who  does  not  have  actual,  implied  or  
apparent authority for such use, and from which you receive no benefit. The 
telephone number to call is 1-800-839-6328. You agree to follow up your call 
with  notice  in  writing  to  us  at:  Grow  Financial  Federal  Credit  Union,  PO  Box  
89909, Tampa, FL 33689-0415. You also agree to assist us in determining the 
facts, circumstances and other pertinent information relating to any loss, theft 
or possible unauthorized use of your Card and comply with such procedures 
as we may require in connection with our investigation.  You  will  be  liable  for  
any unauthorized use only if we can prove that you were grossly negligent in 
your use or handling of your Card, or if we can prove that you used your Card 
fraudulently.

Minimum Payment Due; Crediting of Payments. Payments  are  due  in  the  
amount and on the date disclosed on your billing statement. If your payment 
is  received  by  us  on  a  business  day  at  the  address  and  by  the  time  
designated on the billing statement, it will be credited to your account on the 
date  of  receipt.  If  payment  is  made  at  any  location  other  than  the  address  
designated  on  the  periodic  statement,  credit  for  such  payment  may  be  
delayed  up  to  five  (5)  days.  Payments  will  be  applied  in  any  order  we  
determine, subject to applicable law.

The  minimum  payment  is  2.50%  of  your  total  new  balance,  or  $25.00,  
whichever  is  greater,  plus  the  amount  of  any  prior  minimum  payments  that  
you  have  not  made,  all  outstanding  unpaid  fees  and  charges  by  the  date  
specified  on  the  statement.  The  Credit  Union  also  has  the  right  to  demand  
immediate payment of any amount by which you are over your credit limit.

Others Using Your Account. If you allow anyone else to use your account, 
you will be liable for all credit extended to such persons. You promise to pay 
for  all  purchases  and  advances  made  by  anyone  you  authorize  to  use  your  
account,  whether  or  not  you  notify  us  that  he  or  she  will  be  using  it.  If  
someone  else  is  authorized  to  use  your  account  and  you  want  to  end  that  
person's privilege, you must notify us in writing.
9011 LASER ML FPDF FI17192 Rev 6-2016

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COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.

IN  THIS  AGREEMENT,  "YOU"  AND  "YOUR"  MEAN  ANY  PERSON  WHO  ACCEPTS  THIS  AGREEMENT  OR  USES  THE  CARD.  THE  "CARD"  MEANS  ANY  CREDIT  CARD  ISSUED  TO  YOU  OR  THOSE  
DESIGNATED  BY  YOU  UNDER  THE  TERMS  OF  THIS  AGREEMENT.  "WE",  "US",  "OUR"  AND  THE  "CREDIT  UNION"  MEANS  GROW  FINANCIAL  FEDERAL  CREDIT  UNION  OR  ITS  SUCCESSORS.  BY  
USING YOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.

 interest

 increase  your  total

Late  or  Partial  Payments.  Any  payment  that  delays  the  reduction  of  your  
balance  will
 payments  or
prepayments will not delay your next scheduled payment - you will still need 
to make the minimum scheduled payment by the next scheduled due date to 
keep your account current. We may accept late payments, partial payments, 
checks  or  money  orders  marked  "payment  in  full"  and  such  action  shall  not  
constitute  final  settlement  of  your  account  or  a  waiver  or  forgiveness  of  any  
amounts owing under this Agreement.

 Partial

 costs.

Enforcement. We do not lose our rights under this or any related agreement 
if we delay enforcing them. If any provision of this or any related agreement is 
determined  to  be  unenforceable  or  invalid,  all  other  provisions  remain  in  full  
force and effect.

Returns and Adjustments.  Merchants  and  others  who  honor  the  Card  may  
give  credit  for  returns  or  adjustments,  and  they  will  do  so  by  submitting  a  
credit slip which will be posted to your account. If your credits and payments 
exceed what you owe us, 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 or verbal request.

Plan Merchant Disputes. We are not responsible for the refusal of any plan 
merchant  or  financial  institution  to  honor  your  Card.  Also,  we  are  not  
responsible for goods or services that you purchase with the Card unless: (a) 
your  purchase  was  made  in  response  to  an  advertisement  we  sent  or  
participated in sending you; or (b) your purchase cost more than $50 and was 
made  from  a  plan  merchant  in  your  state  or  within  100  miles  of  your  home;  
and  only  if  you  have  made  a  good  faith  attempt,  but  have  been  unable  to  
obtain  satisfaction  from  the  plan  merchant.  You  must  resolve  all  other  
disputes directly with the plan merchant. We do not warrant any merchandise 
or services purchased by you with the Card.

Statements and Notices. Statements and notices will be mailed to you at the 
most recent postal address or e-mail address (if you have elected to receive 
such documents via electronic means) you have given us. Notice sent to any 
one of you will be considered notice to all.

Notification  of  Address  Change.  You  will  notify  us  promptly  if  you  change  
your  address  for  any  reason.  In  order  to  prevent  identity  theft,  your  identity  
may need to be verified before we act upon the notification.

Copy  Received.  You  acknowledge  that  you  have  received  a  copy  of  this  
Agreement.
Notice  to  Utah  Borrowers:  This  written  agreement  is  a  final  expression  of  
the  agreement  between  you  and  the  Credit  Union.  This  written  agreement  
may not be contradicted by evidence of any oral agreement.

Governing  Law.  This  Agreement  shall  be  governed  by,  construed,  and  
enforced in accordance with the laws of the United Stated of America and the 
State of Florida. You agree that any cause of action arising out of or relating 
to  this  Agreement  must  be  brought  in  either  federal  or  state  court  in  
Hillsborough Count Florida.

Default; Acceleration; Credit Suspension; Collection Costs. You will be in 
default if: (1) you fail to make any payment on time; (2) if you fail to keep any 
promises  you  have  made  under  this  Agreement  or  under  other  Agreements  
you have with us; (3) if you die; (4) if you file a petition in bankruptcy or have 
a  bankruptcy  petition  filed  against  you,  or  if  you  become  involved  in  any  
insolvency,  receivership  or  custodial  proceeding;  (5)  if  anyone  attempts  to  
take any of your funds held by us via legal process or if you have a judgment 
or  tax  lien  filed  against  you;  (6)  if  you  make  any  false,  inaccurate,  or  
misleading statements in any credit application or credit update; or (7) if we, in 
good faith, believe that your ability to repay what you owe is or soon will be 
impaired, or that you are unwilling to make your payments.

If you are in default, we have the right to demand immediate payment of your 
full  account  balance  without  giving  you  notice.  If  immediate  payment  is  
demanded, you agree to continue paying interest charges and fees 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.  You  agree  to  pay  all  
reasonable costs of collection, including court costs and attorney's fees, and 
any other costs incurred in the recovery of the Card, subject to applicable law. 
Even  if  your  unpaid  balance  is  less  than  your  credit  limit,  you  will  have  no  
credit available during any time that any aspect of your account is in default.

Additional  Benefits/Card  Enhancements.  We  may  from  time  to  time  offer  
additional  services  to  your  Account  at  no  additional  cost  to  you.  You  
understand that we are not obligated to offer such services and may withdraw 
or change them at any time.

Convenience Checks. We may, at our discretion, issue checks to you which 
may be used for any purpose other than making a payment for credit to your 
account.  By  signing  such  check,  you  authorize  us  to  pay  the  item  for  the  
amount indicated and post such amount as a purchase to your account. We 
do  not  have  to  pay  any  item  which  would  cause  the  outstanding  balance  in  
your  account  to  exceed  your  credit  limit.  Please  refer  to  your  Universal  
Account Agreement regarding stopping payment on Convenience Checks.

Credit Information. We  may  from  time  to  time  request  personal  information  
from  you  or  obtain  credit  reports  from  the  credit  reporting  agencies  for  the  
purpose  of  updating  your  credit  status.  Your  failure  to  provide  such  
information  when  requested  by  us  may  result  in  suspension  of  credit  
privileges  under  this  Agreement,  including  your  ability  to  obtain  any  future  
advances by any means. You authorize us to investigate your credit standing 
when  opening  or  reviewing  your  account.  You  authorize  us  to  disclose  
information regarding your account to credit bureau and creditors who inquire 
about your credit standing.

 Purchases  and  cash
Foreign  Transactions;  Currency  Conversion.
advances made in foreign currencies will be billed to you in U.S. dollars. The 
conversion rate in dollars will be a rate selected by the card company from a 
range  of  rates  available  in  wholesale  currency  markets  for  the  applicable  
central processing date, which rate may vary from the rate the card company 
itself  receives,  or  the  government-mandated  rate  in  effect  for  the  applicable  
central  processing  date  in  each  instance.  All  transactions  processed  outside  
of the United States (which may include internet transactions) will be charged 
a  foreign  transaction  fee  in  the  amount  disclosed  on  your  Truth-in-Lending  
Statement (as amended from time to time).

Termination;  Change-in-Terms.  We  may,  by  written  notice,  terminate  this  
Agreement  at  any  time,  subject  to  applicable  law.  You  may  terminate  this  
Agreement by written notice. Termination by either party shall not affect your 
obligation  to  repay  any  balance  on  your  account  resulting  from  use  of  the  
Card  as  well  as  Interest  Charges  and  fees  incurred.  We  may  change  the  
terms of this Agreement, including the method of calculating the periodic rate, 
at  any  time,  by  written  notice,  subject  to  applicable  law.  Use  of  the  Card  
constitutes  agreement  and  acceptance  of  any  change  in  terms,  unless  
applicable law requires otherwise. Our failure to exercise any of our rights or 
to  take  any  action  shall  not  constitute  a  waiver  of  those  rights,  or  an  
amendment or change in any of the terms of this Agreement.

page 2 of 3

YOUR BILLING RIGHTS - KEEP THIS NOTICE 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, call or write to us at:

Grow Financial Federal Credit Union
P.O. Box 89909
Tampa, FL 33689
800.839.6328
You may also contact us on the Web: www.growfinancial.org.

In your letter, give us the following information:

1.
2.
3.

Your name and account number.
The dollar amount of the suspected error.
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 statement.
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 must 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.

2.

Within 30 days of receiving your letter, we must tell you that we received 
your letter. We will also tell you if we have already corrected the error.
Within 90 days of receiving your letter, we must either correct the error or 
explain to you why we believe the bill is correct.

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 balance.
We can apply any unpaid amount against your credit limit.

After we finish our investigation, 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 that amount.
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 amount you owe and the date payment is due. We may 
then report you as delinquent if you do not pay the amount we think 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 you as delinquent, and we must let those organizations know when 
the matter has been settled between us.

If we do not follow all of the rules above, you do not have to pay the first $50 
of the amount you question even if your bill is 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 may 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.

2.

3.

The  purchase  must  have  been  made  in  your  home  state  or  within  100  
miles of your current mailing address, and the purchase price must have 
been  more  than  $50.  (Note:  Neither  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.)
You must have used your credit card for the purchase. Purchases made 
with  cash  advances  from  an  ATM  or  with  a  check  that  accesses  your  
credit card account do not qualify.
You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still dissatisfied with the 
purchase, call or write to us at:

Grow Financial Federal Credit Union
P.O. Box 89909
Tampa, FL 33689
800.839.6328
You may also contact us on the Web: www.growfinancial.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.

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