VISA
CREDIT
CARD
AGREEMENT
Cash
Advances
-The
FINANCE
CHARGE
on
Cash
Advances
is
calculated
in
accordance
with
the
following
method:
A
Finance
charge
will
be
imposed
on
Cash
Advances
from
the
date
made
or
from
the
first
day
in
which
the
Cash
Advance
is
posted
to
your
account,
whichever
is
later,
and
will
continue
to
accrue
on
the
average
daily
balance
of
such
Cash
Advances
until
the
balance
is
paid
in
full.
There
is
no
grace
period
on
Cash
Advances.
Purchases
-
The
FINANCE
CHARGE
on
Purchases
is
calculated
in
accordance
with
the
following
method:
A
FINANCE
CHARGE
will
be
imposed
on
Purchases
only
if
you
elect
not
to
pay
the
entire
New
Balance
shown
on
your
monthly
statement
for
the
previous
billing
cycle
within
twenty
five
(25)
days
from
the
closing
date
of
that
statement.
If
you
elect
to
pay
less
than
the
entire
New
Balance
shown
on
your
previous
monthly
statement
within
that
twenty
five
(25)
day
period,
a
Finance
Charge
will
be
imposed
on
the
average
daily
balance
of
such
Purchases
from
the
previous
statement
closing
date
and
on
new
Purchases
from
the
date
of
posting
to
your
account
during
the
current
billing
cycle,
and
will
continue
to
accrue
until
the
closing
date
of
the
previous
statement
closing
date
and
on
new
Purchases
from
the
date
of
posting
to
your
account
during
the
current
billing
cycle,
and
will
continue
to
accrue
until
the
closing
date
of
the
billing
cycle
preceding
the
date
on
which
the
entire
New
Balance
is
paid
in
full
or
until
the
date
of
payment
if
more
than
twenty
five
(25)
days
from
the
closing
date.
Balance
Transfers
�
Balance
transfers,
as
permitted
by
Credit
Union
from
time
to
time
in
Credit
Union
�
s
sole
discretion,
will
be
treated
as
Cash
Advances
for
the
purpose
of
all
FINANCE
CHARGES.
5.
Other
Charges
.
The
following
other
charges
(fees)
will
be
added
to
your
Account,
as
applicable:
a.
Over-the-Credit-Limit
Fee
:
An
over-the-limit
fee
will
not
be
imposed.
In
the
event
you
incur
charges
in
amounts
which
shall
cause
the
account
indebtedness
to
exceed
the
authorized
credit
limit
by
1%,
you
shall
pay
immediately
the
amount
by
which
the
total
New
Balance
exceeds
such
maximum
authorized
credit.
b.
Late
Payment
Fee
:
If
a
payment
of
at
least
the
amount
of
the
minimum
required
payment
is
not
received
within
five
(5)
days
of
the
Due
Date
or
cycle
whichever
comes
first,
a
late
charge
in
the
amount
of
$25.00
shall
be
imposed.
In
no
event
will
your
Late
Payment
Fee
exceed
the
amount
of
your
minimum
payment
due.
c.
Return
Check
/
Return
Pre-Authorized
Payments
Fee
:
If
you
make
any
payment
on
your
Account
with
a
check
or
fraft
or
through
a
pre-authorized
payment,
and
that
check,
draft
or
pre-authorized
payment
is
returned
to
the
Credit
Union
unpaid
for
any
reason,
your
Account
will
be
charged
a
fee
equal
to
the
lesser
of
$25
or
the
required
minimum
payment.
In
no
event
will
your
Return
Check/Return
Pre-Authorized
Payments
Fee
exceed
the
amount
of
your
minimum
payment
due
immediately
prior
to
the
date
on
which
the
payment
was
returned.
d.
Card
Replacement
Fee
:
In
the
event
any
additional
or
replacement
cards
are
issued
for
any
reason
other
than
the
issuance
of
a
renewal
card,
a
fee
in
the
amount
of
$5.00
may
be
imposed.
e.
Collection
Costs
:
Cardholder
agrees
to
pay
all
costs
incurred
by
issuer
in
collecting
cardholder
�
s
indebtedness
or
in
enforcing
this
Agreement,
including
attorneys
�
fees
and
costs,
as
well
as
those
costs,
expenses
and
attorneys
�
fees
incurred
in
appellate,
bankruptcy,
and
post-judgment
proceedings,
except
to
the
extent
such
costs,
fees,
or
expenses
are
prohibited
by
law.
f.
Balance
Consolidation/Convenience
Check
Stop
Payment
Fee:
$25.00.
g.
Rush
Mail
Fee:
(Priority
Handling)
$25.00.
h.
Cash
Advance
Transaction
Fee:
A
cash
advance
transaction
fee
will
not
be
imposed.
In
this
Agreement
the
words
"you"
and
"your"
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.
It
is
understood
and
agreed
that
the
Credit
Union
has
appointed
CC4MBRS
(the
"Servicer")
as
the
Credit
Union's
agent
to
assist
with
the
servicing
of
your
Account.
As
result
of
such
agreement,
it
is
understood
and
agreed
that
the
Credit
Union
may
share
information
regarding
you
and
your
Account
with
the
Servicer
from
time
to
time
as
the
Credit
Union
deems
necessary,
in
its
sole
discretion,
for
the
Servicer
to
perform
its
obligations
to
the
Credit
Union.
Additionally,
you
may
receive
communications
and
disclosures
from
the
Servicer
on
the
Credit
Union's
behalf
and
any
and
all
communications
and
disclosures
from
the
Servicer
shall
be
considered
authorized
from
the
Credit
Union
under
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
of
your
credit
limit.
You
agree
that
your
credit
limit
is
the
maximum
amount
(purchases,
cash
advances,
finance
charges,
plus
"other
charges")
that
you
will
have
outstanding
on
your
Account
at
any
time.
If
you
are
over
your
credit
limit,
you
must
pay
the
amount
you
are
over
before
payments
will
begin
to
restore
your
credit
limit.
You
may
request
an
increase
in
your
credit
limit
only
by
a
method
acceptable
to
the
Credit
Union.
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.
2.
Using
Your
Card
.
You
may
use
your
Card
to
make
purchases
from
merchants
and
others
who
accept
VISA
Cards.
However,
you
may
not
use
your
Card
to
initiate
any
type
of
electronic
gambling
transaction
through
the
Internet.
A
VISA
card
may
not
be
used
for
any
illegal
transaction(s).
Consult
your
legal
counsel
to
determine
the
legality
of
specific
online
gambling
transactions.
If
you
wish
to
pay
for
goods
or
services
over
the
Internet,
you
may
be
required
to
provide
card
member
security
information
before
you
will
be
permitted
to
complete
the
transaction.
In
addition,
you
may
obtain
cash
advances
from
the
Credit
Union
and
from
other
financial
institutions
that
accept
VISA
Cards,
and
from
some
automated
teller
machines
(ATMs).
(Not
all
ATMs
accept
VISA
Cards.)
To
obtain
cash
advances
from
an
ATM,
you
must
use
the
Personal
Identification
Number
(PIN)
that
is
issued
to
you
for
use
with
your
Card.
3.
Responsibility
.
You
agree
to
pay
all
charges
(purchases
and
cash
advances)
to
your
Account
that
are
made
by
you
or
anyone
whom
you
authorize
to
use
your
Account.
You
also
agree
to
pay
all
finance
charges
and
other
charges
added
to
your
Account
under
the
terms
of
this
Agreement
or
another
agreement
you
made
with
the
Credit
Union.
If
this
is
a
joint
Account,
Section
17
below
also
applies
to
your
Account.
4.
Finance
Charges
.
FINANCE
CHARGES
on
your
Account
are
calculated
by
applying
the
applicable
monthly
Periodic
Rate
to
the
average
daily
balances
for
Purchases
and
Cash
Advances.
Separate
average
daily
balances
are
calculated
for
Purchases
and
Cash
Advances.
Your
monthly
Periodic
Rate
and
corresponding
ANNUAL
PERCENTAGE
RATE
for
Purchases,
Balance
Transfers
and
Cash
Advances
are
as
set
forth
in
the
Account
Opening
Disclosure
provided
to
you
under
separate
cover,
the
terms
of
which
are
incorporated
herein
by
reference.
To
get
each
average
daily
balance,
the
daily
balances
for
Purchases
and
Cash
Advances
for
the
billing
cycle
are
added
and
the
totals
are
divided
by
the
number
of
days
in
the
cycle.
To
get
the
daily
balance
for
Cash
Advances,
new
Cash
Advances
are
added
to
the
day's
beginning
balance
and
payments,
credits
and
any
unpaid
interest
or
other
finance
charges
are
subtracted.
To
get
the
daily
balance
for
Purchases,
new
Purchases
are
added
to
the
day's
beginning
balance
and
payments,
credits
and
any
unpaid
interest
or
other
finance
charges
are
subtracted;
however,
new
Purchases
are
not
added
if
you
paid
the
entire
New
Balance
for
Purchases
on
your
last
statement
by
the
end
of
the
grace
period
or
if
you
did
not
have
a
Purchase
balance
on
your
last
statement. 12.
Credit
Information
.
You
authorize
the
Credit
Union
to
investigate
your
credit
standing
when
opening
or
reviewing
your
Account.
You
authorize
the
Credit
Union
to
disclose
information
regarding
your
Account
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
personal
information
about
you
and
your
account
that
is
necessary
to
provide
you
with
the
requested
services(s).
13.
Merchant
Disputes:
Returns
and
Adjustments
.
The
Credit
Union
is
not
responsible
for
the
refusal
of
any
merchant
or
financial
institution
to
honor
your
Card.
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
or
more,
it
will
be
refunded
upon
your
written
request
or
automatically
after
three
(3)
months.
14.
Additional
Benefits/Card
Enhancements
.
The
Credit
Union
may
from
time
to
time
offer
additional
services
to
your
Account,
such
as
travel
accident
insurance,
at
no
additional
cost
to
you.
You
understand
that
the
Credit
Union
is
not
obligated
to
offer
such
services
and
may
withdraw
or
change
them
at
any
time.
15.
Foreign
Transactions
.
Transactions
initiated
in
foreign
countries
and/or
foreign
currencies
will
be
charged
to
your
Account
in
U.S.
Dollars.
The
conversion
rate
to
dollars
will
be
(a)
a
rate
selected
by
Visa
from
the
range
of
rates
available
in
wholesale
currency
markets
for
the
applicable
central
processing
date,
which
rate
may
vary
from
the
rate
Visa
itself
receives,
or
(b)
the
government-mandated
rate
in
effect
for
the
applicable
central
processing
date,
in
each
of
the
above
instances,
plus
1%.
The
conversion
rate
used
on
the
date
the
foreign
transaction
is
processed
may
differ
from
the
rate
that
would
have
been
used
on
the
date
of
the
purchase
and/or
the
transaction
posting
date.
16.
Severability.
In
the
event
that
any
paragraph
of
this
Agreement
or
portion
thereof
is
held
by
a
court
to
be
invalid
or
unenforceable
for
any
reason,
the
other
paragraphs
and
portions
of
the
Agreement
shall
not
be
invalid
or
unenforceable
and
will
continue
in
full
force
and
effect.
17.
Governing
Law.
This
Agreement
is
governed
by
the
Bylaws
of
the
Credit
Union,
federal
laws
and
regulations,
and
the
laws
and
regulations
of
the
State
of
Florida,
as
amended
from
time
to
time.
18.
Dispute
Resolution.
Any
disputes
regarding
this
Agreement
shall
be
within
the
jurisdiction
of
the
court
of
the
county
in
which
Credit
Union
�
s
principal
place
of
doing
business
is
located.
If
legal
action
is
necessary
to
enforce
this
Agreement
or
collect
any
amounts
owing
to
Credit
Union
or
fees
or
charges
assessed
under
this
Agreement,
Credit
Union
has
the
right,
subject
to
applicable
law,
to
payment
by
you
of
all
attorney
�
s
fees
and
costs,
including
fees
on
any
appeal
and
any
post-judgment
actions.
You
agree
that
such
legal
action
may
be
filed
and
heard
in
the
county
and
state
in
which
Credit
Union
�
s
principal
place
of
doing
business
is
located,
if
allowed
by
applicable
law.
19.
Joint
Accounts
.
If
this
is
a
joint
Account,
each
person
on
the
Account
must
sign
the
Agreement
(by
signing
on
the
application).
Each
of
you
will
be
individually
and
jointly
responsible
for
paying
all
amounts
owed
under
this
Agreement.
This
means
that
the
Credit
Union
can
require
any
one
of
you
individually
to
repay
the
entire
amount
owed
under
this
Agreement.
Each
of
you
authorizes
the
other(s)
to
make
purchases
or
cash
advances
individually.
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
even
though
the
sales,
cash
advances,
credit
or
other
slips
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
to
you
at
the
most
recent
address
you
have
given
the
Credit
Union.
Notice
sent
to
any
one
of
you
will
be
considered
notice
to
all.
23.
Final
Expression
.
This
Agreement
is
the
final
expression
of
the
terms
and
conditions
of
this
VISA
line
of
credit
between
you
and
the
Credit
Union.
This
written
Agreement
may
not
be
contradicted
by
evidence
of
any
alleged
oral
agreement.
24.
Copy
Received
.
You
acknowledge
that
you
have
received
a
copy
of
this
Agreement.
6.
Payments
.
Each
month
you
must
pay
at
least
the
minimum
payment
shown
on
your
statement
by
the
date
specified
on
the
statement
or
no
later
than
twenty-five
(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
twenty-five
(25)
days
from
the
statement
closing
date.
You
may
pay
more
frequently,
pay
more
than
the
minimum
payment
or
pay
the
Total
New
Balance
in
full.
If
you
make
extra
or
larger
payments,
you
are
still
required
to
make
at
least
the
minimum
payment
each
month
your
Account
has
a
balance
(other
than
a
credit
balance).
The
minimum
payment
is
2%
of
your
Total
New
Balance,
or
$10.00,
whichever
is
greater,
plus
the
amount
of
any
prior
minimum
payments
that
you
have
not
made,
and
any
amount
you
are
over
your
credit
limit.
The
Credit
Union
also
has
the
right
to
demand
immediate
payment
of
any
amount
by
which
you
are
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
the
Credit
Union
chooses.
8.
Security
Interest
.
AS
A
CONDITION
OF
CREDIT
UNION
�
S
OPENING
YOUR
ACCOUNT
AND
YOUR
USE
OF
THIS
CARD,
YOU
HEREBY
GRANT
TO
CREDIT
UNION
A
SECURITY
INTEREST
IN
ALL
SHARES,
DEPOSITS
AND
OTHER
FUNDS
ON
DEPOSIT
WITH
CREDIT
UNION
IN
WHICH
YOU
HAVE
AN
OWNERSHIP
INTEREST
(other
than
an
IRA
account
where
this
security
interest
would
cause
the
loss
of
tax-
exempt
or
tax-deferred
status).
THE
SECURITY
INTEREST
IS
FOR
ALL
AMOUNTS
OWED
TO
CREDIT
UNION
UNDER
THE
TERMS
OF
THIS
AGREEMENT.
IF
YOU
ARE
IN
DEFAULT
UNDER
ANY
TERM
OF
THIS
AGREEMENT,
CREDIT
UNION
SHALL
HAVE
A
RIGHT
TO
IMMEDIATELY
SEIZE
YOUR
SHARES,
DEPOSITS
AND/OR
OTHER
FUNDS
WITHOUT
NOTICE
OR
DEMAND
TO
YOU
AND
TO
APPLY
SUCH
FUNDS
TO
THE
AMOUNTS
OWED
TO
CREDIT
UNION.
Collateral
securing
other
loans
you
have
with
Credit
Union
now
or
in
the
future
will
also
secure
this
loan,
except
that
a
dwelling
or
your
household
goods
(as
defined
by
the
Federal
Trade
Commission)
will
not
be
considered
as
security
for
this
Account,
notwithstanding
anything
to
the
contrary
in
any
other
agreement.
9.
Default
.
You
will
be
in
default
if
you
fail
to
make
any
minimum
payment
or
other
required
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
you
die,
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
continue
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
with
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.
10.
Liability
for
Unauthorized
Use-Lost/Stolen
Card
Notification
.
You
agree
to
notify
us
immediately,
orally
or
in
writing
at
P.O.
Box
310136,
Tampa,
FL
33680
or
telephone
(866)
839-3409
twenty
four
(24)
hours
a
day,
seven
(7)
days
a
week,
of
the
loss,
theft,
or
unauthorized
use
of
your
Credit
Card.
You
may
be
liable
for
the
unauthorized
use
of
your
Credit
Card.
You
will
not
be
liable
for
unauthorized
use
that
occurs
after
you
notify
us
of
the
loss,
theft,
or
possible
unauthorized
use.
You
will
have
no
liability
for
unauthorized
purchases
made
with
your
credit
card,
unless
you
are
grossly
negligent
in
the
handling
of
your
card.
In
any
case,
your
liability
will
not
exceed
$50.
11.
Changing
or
Terminating
Your
Account
.
The
Credit
Union
may
change
the
terms
of
this
Agreement
from
time
to
time.
Notice
of
any
change
will
be
given
in
accordance
with
applicable
law.
If
permitted
by
law
and
specified
in
the
notice
to
you,
the
change
will
apply
to
your
existing
Account
balance
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.
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
Credit
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
and
to
the
extent
permitted
by
applicable
law,
the
Credit
Union
has
the
right
to
require
you
to
pay
your
full
Account
balance
at
any
time
after
your
Account
is
terminated,
whether
it
is
terminated
by
you
or
the
Credit
Union.
If
this
is
a
joint
Account,
Section
17
of
this
Agreement
also
applies
to
termination
of
the
account.
Revised
03/31/2017