1st Advantage Federal Credit Union

14.Effect of Agreement: This Agreement 

We may amend this Agreement 

terms. 
amendments. 

To the extent 

the law permits 

and we indicate 

in our notice, 

amendments 

will apply to your existing 

account 

balance 

is the contract 
from time to time by sending 

to all transactions 
you the advance written 

on your account 
notice 

which applies 

even though the sales, 

required 

by law. Your use of the card thereafter 

cash advance or credit 

slips 
will indicate 
as well as to future transactions. 

you sign may contain 

different
to the 
your agreement 

rights 

and duties, 

The Credit 

will be governed 

cash advances, 

by applicable 

Terms of VISA® Agreement

by Virginia  law regardless 

-To the extent not prohibited 

even though sales, 
Union may assign  or transfer  this Account, 

Additional 
as well as all parties' 
all transactions on your Account 
person. 
is binding on your heirs and legal representatives. 
Each of you will be liable 
pursuant to 
Your liability 
Either 
other users may also be required to repay the amount owed for charges they make; however, 
statements 
any provision 
VISA U.S.A., Inc. as applicable. 
control. 

If there are joint obligors 
for all obligations 

If there is any conflict between this Agreement 

of this Agreement unenforceable, 

will be mailed or delivered 

given on the application 

will be joint and several. 

party has the right to cancel 

the other provisions 

your Account balance, 

the terms hereof. 

to the address 

or other slips 

and notices 

credit 

law, the terms,interpretation 
where you may reside 

or use your account. 

of any claim or dispute 
Further, this Agreement 

and enforcement 

arising 
is the contract 

under this Agreement, 

which governs 

may contain 
or this Agreement  to another 
users for this credit 

different terms. You may not transfer or assign your Account 

person, who will have all of our rights hereunder. 

or authorized 
owing on the Account 
this Agreement. Further, each of you are responsible 
at all times, primarily 

plan, each of you will have 
by you or otherwise 

whether borrowed 

for all amounts 

you remain, 

for either 

applicant 

unless 

you direct  otherwise 

will remain in full force and effect. You agree that your Account 

and the rules  and 

regulations 

of VISA U.S.A., 

Inc., 

the right to use the Account 

or Card to any other 
This Agreement 
loans 
to obtain 
within or beyond the credit 
limit. 
by any authoriud users and 
owed. All Cards, 

borrowed 
for all amounts 

and whether 

responsible 

billing 
ruling  makes 
in writing. If any law or judicial 
of 
will 
Inc., 

will also be subject 
the  rules  and 

regulations 

of VISA U.S.A., 

to all rules and regulations 

Limitations 
lawsuit. 

of Lawsuits
This limitation 

· You agree  that any lawsuit 
includes 

contract 

tort, 

based on a cause of action against 

us must be fded within 

and all other causes of action for which you and we may lawfully 

one year from the date it arises, 
contract 

to limit 

as set forth in this Agreement. 

or you shall be barred 

from ming any 

This notice 

contains 

important 

information 

about your rights and our responsibilities 

Billing 

Act. Notify us in case of errors or questions 

about your bill. 

YOUR BILLING 

THIS NOTICE FOR FUTURE USE 

RIGHTS-KEEP 
under the Fair Credit 

Tampa, FL 33631-3112, 

or if 
you need more information 
or call at 1-800-654-7728. 
us, but doing so will not preserve 

about a transaction on your bill, 
Write to us as soon as possible. 
your rights. 

can telephone 

appeared.You 

If you think your bill is wrong, 
31112, 
problem 
In your letter, give 
Your name and account 
The dollar amount 

number. 

of the suspected 

error. 

us the following 

information: 

write us on a separate 

PO Box 
Service, 
We must hear from you no later than 60 days after we sent you the first bill on which the error or 

and send to Customer 

sheet at the following 

address 

Describe 

the error, and explain 

if you can, why you believe 

there is an error. If you need more information, 

describe 

the Item you are not sure about. 

Your Rights 
We must acknowledge 

and Our Responsibilities 
After We Receive 
within 30 days, unless 

Your Written Notice 
we have corrected 

your letter 

the error by then. Within 90 days, we must either correct 

the error or explain 

why we believe 

the bill was correct. 

try to collect 
amount against 

any amount you question, 
your credit 

limit. 

or report 

You do not have to pay any questioned 

We can continue 
amount while we are investigating, 

to bill you for the amount you question, 

but you are still obligated 

including 
finance 
to pay the parts 

you as a delinquent. 

you will not have to pay any finance charges 

related 

to any questioned 

amount. 

If we didn't 

make a mistake, 

you may have to pay finance 

payments 

on the questioned 

amount. In either case, we will send you a statement 

of the amount you owe and the date that it is due. 

refuse to pay, we must tell anyone we report you to 

that you have a question 

And, we must tell you the name of anyone we reported 

that we think you owe, we may report 

you as delinquent. 

if our explanation 

does not satisfy 

you and you write to us within ten days telling us 

that 
you to. We must tell anyone 

However, 
about your bill. 

the Credit 
amount, even if your bill was correct. Furthermore, 

Union has no liability 

for any tort or related 

and you will have to make up any missed 

your letter, we cannot 

and we can apply an unpaid 

After we receive 
charges, 
are not in question. 
of your bill that 
If we find that we made a mistake on your bill, 
charges, 
If you fail to pay the amount 
you still 
we report you to that the matter 
If we do not follow these rules, 
claims 

has been settled 
we cannot collect 

between us when it finally is. 
the first $50 of the questioned 

from such purchases. 
Card Purchases 
with the quality 
amount 

arising 
Special 
Rule for Credit 
If you have a problem 
the right not to pay the remaining 
home state, 
These limitations 

within I 00 miles of your current mailing 
do not apply if we own or operate 

of property 

or services 

due on the property 
address; 
the merchant, 

that you purchased 
or services. 
and (b) The purchase 
or if we mailed 

with a credit 

card and you have tried in good faith to correct the 

problem 

with the merchant, 

There are two limitations 

on this right: (a) You must have made the purchase 

in your home state 

you may have 
or, if not within your 

price must have been more than $50. 
you the advertisement 

for the property 

or services. 

I.CU Rewards Program: You will earn one point for each dollar in net purchases 

on your I st Advantage 

Visa Signature 

account. 

No points 

if you remain 

made between 

You will earn points 
adjustments 
points 
net purchases 
from other bonus programs 

a cardholder 
cycles 
to withdraw 
was delinquent 
you may be enrolled 

and we have the option 
if your account 

billing 

points 

in good standing 

and your account 
will be deemed as earned after being posted 

according 

is maintained 
to your next monthly card statement. 
is no longer 

again once the account 

to the terms of this agreement. 

If your account 

delinquent 

previously 
and/or overlimit 

earned. Points 
at the time purchases 

will begin accruing 

in at another financial 

institution 

were made. Points 
cannot be combined 

are non-transferable 
with points 

earned from this program. 

and are forfeited 

Points 

are earned for cash advances 

or balance transfers.
and point
earned from net purchases 
you will not accrue
on past 
earned 

You may not earn points 
Points 

is overlimit 
or overlimit. 
in the event the account 

or delinquent, 

is closed. 

VISA SIGNATURE 

REWARDS 

2.Accruing 
business 
obtain 

Points: 
day of calendar 

will accrue 
year five). CU Rewards 

CU Rewards points 

over 5 calendar 
points 

years and will expire 

on a first-in, 

first-out 

basis annually (i.e., 

points 

earned in calendar 

may not be exchanged 

for credit, 

may not be used with any other offer, promotion 

or discount, 

year one will expire 
cannot be combined 

with cash to

on the last 

a gift/travel 

award and cannot be transferred from or to any other charge or credit accounts. 

of CU Rewards Points: 
Points 
merchandise/travel 
All travel rewards are subject 

3. Redemption 
may select 
statement. 
account. Tickets 
merchandise/travel 
or warranties, 
through this program. 

or implied, 

express 

earned are redeemable 

for cash, merchandise 

and travel rewards described 

in the current brochure 

rewards from any level, 

subject 

to availability, 

as Jong as you have the necessary 

number of points 

posted 

or the program website 

curewards.com. 
You
month's card 
to your account as of your previous 

are non-changeable 

to specific 
unless permitted 

Airline 
terms and conditions. 
the ticket. 

tickets 
by the airline issuing 

are not refundable 
Point requirements 

nor may they be returned to the program for a credit 

of points 

to any award are subject 

to change from time to time without 

to the original
notice and

may be substituted 

at any time. Applicable 

manufacturer's warranties, 

with merchandise. 

!st Advantage FCU makes no 

representations

assigned 
if any, will be included 

and disclaim 

any and all liabilities 

as to the condition, quality, 

merchantability 

or fitness for a particular 

purpose of products 

product 
and/or services 

provided 

4.Disclosure 

of Points: 
from your current total 
already 

redeemed 

of rewards points 
unearned rewards points. 

Your periodic billing 

statement 
will normally 
retail 
for corresponding 

include 
purchase 

the number of bonus points, 

subject 

to adjustment 

returns posted 

to your card account. 

Your credit card 

as provided 

for in these rules. 

Rewards points 
may be charged for the difference 

in the event you have 

will be deducted

5. Errors: 
order. 

Despite 

!st Advantage 

FCU's best efforts 

to ensure 

accuracy, printing 

errors occasionally 

occur. 

We reserve 

the right to correct 

such errors at any time, even if it affects 

an existing 

6.Other Disclosures: 

!st Advantage FCU may, 

from time to time, find it necessary 

to change the program rules, 

benefits, 
regulations, 

conditions 

of participation, 

or point levels, 

in part, with or without notice. 
at any time. 

Changes may affect the points 
list of Program Rules is available 

A complete 

at the program website.

already 

accumulated. 

!st Advantage 

FCU reserves 

the right to terminate 

the program for any or all of its credit 

in whole or 
card programs 

9/17