MASTERCARD AND VISA LINE OF CREDIT AGREEMENTLASER FI12489 Rev 9-2011COPYRIGHT 2005 Securian Financial Group, Inc. All rights reserved.(orasamendedfromtimetotime)ontheaveragedailybalanceofpurchaseandcashadvancesyoumake,andanydebitadjustmentsthecreditunionmakes,duringthebillingcycle.Thedailybalancesaretotaled,anddividedbythenumberofdaysinthebillingcycletoproduceseparateaveragedailybalancesforpurchases,cashadvances,andbalancetransferstowhichtheperiodicrateisthenapplied.IfyourcardhasagraceperiodforpurchasesorbalancetransfersandyoupaythefullamountoftheNewBalanceofPurchasesorNewBalanceofBalanceTransferswithinthatgraceperiod,theamountfortheapplicabletypeofbalancewillnotbeaddedtotheaveragedailybalance.ForPurchases,CashAdvances,orBalanceTransferswithnograceperiod,interestchargeswillcontinuetoaccrueuntilthedateofpayment.ForPurchasesorBalanceTransferswithagraceperiod,interestchargeswillcontinuetoaccrueuntilthedateofthebillingcycleprecedingthedateonwhichtheentireNewBalanceispaidinfull,ifpaidwithinthegraceperiod;otherwise,interestchargeswillcontinuetoaccrueuntilthedateofpayment.CrossCollateral:Ifyouhaveotherloanswithus,ortakeoutotherloanswithusinthefuture,collateralsecuringthoseloanswillalsosecureyourobligationsunderthisagreement.However,unlessyouexpresslyagreeotherwise, no dwelling secures your obligation under this agreement.FEESANDCHARGES:YouagreetopayanyandallfeesthatyouincurinconnectionwithyourCard,inaccordancewithapplicablelaw,intheamountssetforthonyourTruth-in-LendingStatement,whichfeesandamountsmaybe amended from time to time.MONTHLYPAYMENTS:Eachpaymentyoumakeontheaccountwillrestoreyourcreditlimitbytheamountofthepaymentwhichisappliedtotheprincipal amount of purchases and cash advances. Atanytimeyourtotalnewbalanceexceedsyourcreditlimit,youmustimmediately pay the amount over your credit limit. APAYMENTISREQUIREDEACHMONTH;therefore,youmustpayatleasttheminimumpaymentshownonyourstatementbythedatespecifiedonyourmonthlystatement.Youcanrepayanyoutstandingbalancepriortomaturityin whole or in part at your option without penalty.Your monthly payment must be made directly to:McCoyFederalCreditUnionMcCoyFederalCreditUnion(creditcardremittancestatementrequired)P.O.Box593806ORP.O.Box96099Orlando,FL32859-3806Charlotte,NC28296-0099TheminimumperiodicpaymentrequiredisdisclosedonyourTruth-in-Lending Statement.  CREDITBALANCES:Ifthereisacreditbalancedue,youmayrequestit.PLEDGEOFSHARES:YOUPLEDGEANDGRANTTOTHECREDITUNIONASECURITYINTERESTINALLINDIVIDUALANDJOINTACCOUNTSYOUHAVEWITHUSNOWANDINTHEFUTURETOSECUREYOURCREDITCARDACCOUNT(S)TOTHEEXTENTOFTHATPORTIONOFTHEACCOUNTBALANCEWHICHMAYBEINDEFAULTOREXCEEDSYOURCREDITLIMIT.INCLUDINGCOSTSOFCOLLECTIONANDREASONABLEATTORNEY'SFEES.YOUAUTHORIZEUSTOAPPLYTHEBALANCEINTHESEACCOUNT(S)TOPAYANYAMOUNTSDUEUNDERTHISAGREEMENTIFYOUSHOULDBEINDEFAULT.THISPLEDGEISACONDITIONFORTHEISSUANCE OF CREDIT UNDER THIS AGREEMENT.DEFAULT:Youwillbeindefaultunderthisagreementifyoufailtomakeanyminimumpaymentorotherrequiredpaymentbythedatethatitisdue.Youwillbeindefaultifyoubreakanypromiseyoumakeunderthisagreement.Youwillbeindefaultifyoudie,fileforbankruptcyorbecomeinsolvent,thatis,unabletopayyourobligationswhentheybecomedue.Youwillbeindefaultifanyattachmentorgarnishmentproceedingsareinitiatedagainstyouoryourproperty.YouwillbeindefaultifyoudefaultonanyotherindebtednesstotheCreditUnion.Youwillbeindefaultifyoumakeanyfalseormisleadingstatementinanycreditapplicationorcreditupdate.YouwillalsobeindefaultifsomethinghappenswhichtheCreditUnionbelievesmaysubstantiallyreduceyourabilitytorepaywhatyouowe.Whenyouareindefault,theCreditUnionhastherighttodemandimmediatepaymentofyourfullaccountbalancewithoutnotice.Ifimmediatepaymentisdemanded,youwillcontinuetopayInterestCharges,attheperiodicratechargedbeforedefault,untilwhatyouowehasbeenpaid,andanysharesthatweregivenassecuritywillbeappliedtowardswhatyouowe.Youagreetopayreasonablecollectionexpenses,includingcardrecoveryfees,attorneyfees,courtcosts,and/orcollectionagencyfeesandcosts.Ifyouareheadofhousehold,intheeventofdefault,yougrantuspermissiontogarnishheadoffamilyearningsinaccordancewithFloridalawifcollectionproceedingsarebroughtagainstyou.NofailureordelaybytheCreditUnioninexercisinganyrights,powers,andremediesunderthisagreementofprovidedbylawshallbedeemedawaiver thereof. ThepurposeofthisagreementistoestablishthetermsandconditionsofyourcreditcardagreementwithMcCoyFederalCreditUnion.Inthisagreement,thewords"you"and"your"meananypersonreceivingandusingthecardandthatbyusingthecardforthefirsttime"you"agreetoalltermsandconditionsinthisagreement."Card"meansaMasterCardorVISAcreditcardandanyduplicatesandrenewalstheCreditUnionissues."Account"meansyourMasterCardorVISAcreditcardlineofcreditaccountwiththeCreditUnion."CreditUnion,""we,""us,"and"our"meanMcCoyFederalCreditUnion.YoumustbeamemberoftheCreditUniontoapplyforacreditcard. ExcepttotheextentthatFederalLawisapplicable,thevalidity,constructionandenforcementofthisagreementandallmattersarisingoutoftheissuanceand use of the Card shall be governed by the laws of the State of Florida. USINGTHEACCOUNT/CREDITLIMIT:Uponyourapprovalforanaccount,theCreditUnionwillestablishalineofcreditforyou.Notificationofyourlimitwillbemadewhenthecardissenttoyou.Youagreenottoletyouraccountbalanceexceedyourapprovedcreditlimit.Anytransactionthatwouldresultin exceeding your credit limit will be declined.RESPONSIBILITY:YoupromisetopayanyandallchargesincurredbyyouoranypersonwhomyouauthorizetousetheCreditCardissuedtoyou,andanyfeesorchargesincurredintherecoveryofacreditcard,retrievaloftransactiondataorcollectionofthisaccountinaccordancewiththetermsandconditionsissuedbyMasterCardand/orVISAInternational,Inc.,andinaccordance with the policies established by the Credit Union. Yourobligationtopaytheamountowedonyouraccountcontinuesuntilpaidinfulleventhoughanagreement,divorcedecreeorothercourtjudgementtowhichtheCreditUnionisnotapartymaydirectsomeoneelsetopaytheaccount balance. JOINTACCOUNT:Ifmorethanonepersonappliesforthecardeachisindividuallyresponsibleforallamountsowedontheaccountandarejointlyandseverallyresponsibleforallamountsowed.ThismeanstheCreditUnioncanenforcethisagreementagainstanyofyouindividuallyorallofyoutogether.Eachmayobtaincreditadvanceswithouttheknowledgeoftheother and both are obligated to repay all advances made to the account. You agree to notify the Credit Union of any address change. USINGTHECARD:Youmayusethecardissuedtoyoutomakepurchasesinperson,andbymailortelephonefrommerchantsandotherswhoacceptMasterCardand/orVISAcards.YoumayalsoobtaincashadvancesfromtheCreditUnion,fromotherfinancialinstitutionsparticipatingintheMasterCardand/orVISAprogramandfromautomatedtellermachines(ATM's),thatprovideaccesstotheMasterCardand/orVISAsystem.YourMasterCard/VISAPersonalIdentificationNumber(PIN)isneededtoobtainacash advance from an ATM.INTERESTCHARGES:ThemonthlyperiodicrateassessedonyouraccountisbasedonanAnnualPercentageRatecorrespondingtothetypeofcardaccountandyourBeaconcreditscore.YourAnnualPercentageRateisvariableandwillincreaseordecreaseifthePrimeRateaspublishedintheWallStreetJournal("Index")increasesordecreases.WefiguretheInterestChargebyapplyingaperiodicrate,whichcorrespondstotheAnnualPercentageRate,totheAverageDailyBalance.TheAverageDailyBalanceisdeterminedasfollows:ForPurchases:The"AverageDailyBalance"forPurchasesisdeterminedbyaddingalltheoutstandingadvancebalancesandbilledbutunpaidinterestchargesforeachcalendardayofthebillingperiod,andthensubtractingallpayments,creditsandcashadvancesforthebillingperiodinwhichtheyweremade,andthendividingthetotalbythenumberofdaysinthatbillingperiod.ForCashAdvances:EachdailybalanceofCashAdvancesisdeterminedbyaddingtotheoutstandingunpaidbalanceofCashAdvancesatthebeginningofthebillingcycleanynewCashAdvancespostedtoyouraccount,andsubtractinganypaymentsasreceivedorcreditsaspostedtoyouraccount,butexcludinganyunpaidInterestCharges.TheperiodicrateandcorrespondingAnnualPercentageRateforeachtypeofcard account is shown on your Truth-in-Lending Statement.GracePeriods:VISA:YoucanavoidinterestchargesonpurchasesandbalancetransfersbypayingthefullamountoftheNewBalanceofPurchasesorNewBalanceofBalanceTransferseachmonthwithin25daysofyourstatementclosingdate("GracePeriod").Thereisnotimeperiodwithinwhichtopaytoavoidaninterestchargeoncashadvancesandinterestwillaccruefromthedatetheyarepostedtoyouraccount.MasterCard:Thereisnotimeperiodwithinwhichtopaytoavoidaninterestcharge,andtheInterestChargewillbeappliedtotheNewBalanceofPurchases,CashAdvancesandBalanceTransfers,andsubsequentpurchases,cashadvancesandbalance transfers, from the date they are posted to your account. HowtoCalculatetheInterestCharge:TheInterestChargeiscalculatedattheAnnualPercentageRatedisclosedonyourTruth-in-LendingStatementpage 1 of 3RESTRICTIONONCASHADVANCES:Youroutstandingcashadvancebalancemaynotexceed50%ofyourCreditLimit.Wemayrefuseacashadvance if it would cause the cash advance balance to exceed this amount.CREDITINFORMATION:YouunderstandthattheCreditUnionwillreviewyouraccountsperiodically,andyouherebygiveyourpermissiontoandauthorizetheCreditUniontoinvestigateandreassessyourcreditworthiness.YouauthorizetheCreditUniontoobtaininformationconcerningyourcredithistoryfromallavailablesourcesnowandinthefuture.YouauthorizetheCreditUniontodiscloseinformationregardingyouraccounttocreditbureausand creditors who inquire about your credit standing. IFYOURCARDISLOSTORSTOLENORIFANYUNAUTHORIZEDUSEOCCURS:Youagreetonotifyusimmediatelyifyourcardiseverlostorstolenorifanunauthorizedusemayhaveoccurred.Thetelephonenumbertocallis1-800-449-7728,andyouagreetofollowupthecallwithnoticeinwritingtousat:McCoyFederalCreditUnion,P.O.Box31552,Tampa,FL33631-3552.YoualsoagreetoassisttheCreditunionindeterminingthefacts,circumstancesandotherpertinentinformationrelatingtoanyloss,theftorpossibleunauthorizeduseofyourcardandcomplywithsuchproceduresaswemayrequireinconnectionwithourinvestigation,includingfilingapolicereportandotherwiseassistingintheprosecutionofanyunauthorizeduser.YouwillbeliableforanyunauthorizeduseovertheVISANetworkonlyiftheCreditUnioncanprovethatyouweregrosslynegligentinyouruseorhandlingofyourcard,orifwecanprovethatyouusedthecardfraudulently.YourliabilityforunauthorizeduseonnetworksotherthantheVISANetworkwillnotexceed$50.00.Inanycase,youwillnotbeliableforanyunauthorizedusethatoccursafteryounotifytheCreditUnionoftheloss,theft, or unauthorized use.PLANMERCHANTDISPUTES:Wearenotresponsiblefortherefusalofanyplanmerchantorfinancialinstitutiontohonoryourcard.Also,wearenotresponsibleforgoodsorservicesyoupurchasewiththecardunless(a)yourpurchasewasmadeinresponsetoanadvertisementwesentorparticipatedinsendingyou;(b)yourpurchasecost$50.00ormoreandwasmadefromaplanmerchantinyourstateorwithin100milesofyourhome;andyouhavemadeagoodfaithattempt,buthavebeenunabletoobtainsatisfactionfromtheplanmerchant.Youmustresolveallotherdisputesdirectlywiththeplanmerchant. CHANGINGORTERMINATINGYOURACCOUNT:YouagreethattheCreditUnionmaychangethetermsofthisagreementfromtimetotimeaspermittedbyapplicablelawaftergivingyouanyadvancenoticerequiredbylawatyourlastknownaddress.Youruseofthecardafterreceivingnoticeofachangewillalsoindicateyouragreementtothechange,unlessapplicablelaw requires otherwise.Youmayrequestanincreaseinyourcreditlimiteitherbywrittenapplicationor by phone. TheCreditUnionhastherighttoreduceorterminateyourcreditlimitatanytime.YouunderstandandacknowledgethatsuchactionshallnotaffectyourobligationtopayanyoutstandingbalancePLUSanyinterestandotherchargesyouoweunderthisagreement.Accountsthathavebeeninactiveforone(1)yearmaybesubjecttoterminationattherenewaldate,subjecttoapplicable law.Thecard(s)youreceiveremainthepropertyoftheCreditUnionandyoumustrecoverandsurrendertotheCreditUnionALLcardsuponrequestorupontermination of this agreement whether by you or the Credit Union.MASTERCARD AND VISA LINE OF CREDIT AGREEMENTRETURNSANDADJUSTMENTS:MerchantswhohonoryourcardwillgiveyoucreditforreturnsoradjustmentsbysendingusacreditslipwhichweshallposttoyourPlan.Ifyourcreditsandpaymentsexceedwhatyouoweus,wewillholdthiscreditbalanceagainstfuturepurchasesorrefundittoyour share account upon your written request (if it is $1.00 or more).FOREIGNTRANSACTIONS:TheexchangerateforinternationaltransactionswillbearateselectedbyVISAfromtherangeofratesavailableinwholesalecurrencymarkets,whichmayvaryfromtherateVISAitselfreceives,orthegovernment-mandatedrateineffectfortheapplicablecentralprocessingdate,plusanamountdeterminedbyusanddisclosedonyourTruth-in-LendingStatement.IfyoumakeatransactionwithyourMasterCardinacurrencyotherthanU.S.Dollars,MasterCardInternationalIncorporatedwillconvertthechargeintoaU.S.dollaramount.MasterCardInternationalwilluseitscurrencyconversionprocedure,whichisdisclosedtoinstitutionsthatissuedMasterCard's.CurrentlythecurrencyconversionrateusedbyMasterCardInternationaltodeterminethetransactionamountinU.S.dollarsforsuchtransactionsgenerallyeitheragovernmentmandatedrateorawholesaleratedeterminedbyMasterCardInternationalfortheprocessingcycleinwhichthetransactionisprocessed,increasedbyanadjustmentfactorestablishedfromtimetotimebyMasterCardInternational.ThecurrencyconversionrateusedbyMasterCardInternationalontheprocessingdatemaydifferfromtheratethatwouldhavebeenusedonthepurchasedate or cardholder statement posting date. EFFECTOFAGREEMENT/WAIVER:Thisagreementisthecontractwhichappliestoalltransactionsonyouraccounteventhoughthesales,cashadvances,creditorotherslipsyousignorreceivemaycontaindifferentterms.TheCreditUnioncandelayenforcinganyofitsrightsanynumberoftimeswithoutlosingthem.Eachprovisionofthisagreementmustbeconsideredaspartofthetotalagreementandcannotinanywaybeseveredfromit.However,youalsoagreethatshouldanypartofthisagreementbefound invalid, it will in no way affect the remainder of the agreement.  STATEMENTANDNOTICES:Youwillreceiveastatementeachmonthshowingtransactionsonyouraccount.YouareresponsibleforyourminimummonthlypaymentevenintheeventyourstatementislateorreturnedtotheCreditUnion.StatementsandnoticeswillbemailedtoyouatthemostrecentaddressyouhavegiventheCreditUnion.Noticetoanyoneofyouwillbeconsidered notice to all.PERSONALIDENTIFICATIONNUMBER(PIN):WewillfurnishyouwithaPersonalIdentificationNumber(PIN).YouagreetokeepthePINsecret.Youalsoagreeyouwon'twritethePINontheCardoranythingyoukeepwiththecard.YouruseofthePINandcardingettingacashadvanceormakingapurchaseisagreedtoconstituteyoursignatureforpurposesofsuchtransaction.  YoumayuseyourMcCoyFederalCreditUnionVISACardtoconductanytransactionorobtainanycreditunionservicepermittedbylaw.YouagreethattheuseoftheVISACardtoobtainaserviceoreffectatransactionthatisillegalunderthelawofanyjurisdictionwhereoriginated,effectedoraccomplishedwillbeadefaultandbreachofthisagreement.McCoyFederalCreditUnionmayterminatetheaccesstotheserviceorwithdrawtherighttousetheVISACardand/ordemandthereturnofallVISACardsorotheraccessdevicesissuedtoyou.IfillegaluseofyourVISACardoccurs,youwaivetherighttosueMcCoyFederalCreditUnion,andagreetoindemnifyandholdMcCoyFederalCreditUnionharmlessfromanysuitsorotherlegalactionorliabilitywhichmaybeasserted,directlyorindirectly,againMcCoyFederalCreditUnionarisingoutoforresultingfromyourillegaluseoftheVISA Card. page 2 of 3PLEDGE OF SHARES: YOU PLEDGE AND GRANT TO THE CREDIT UNION A SECURITY INTEREST IN ALLINDIVIDUAL AND JOINT ACCOUNTS YOU HAVE WITH US NOW AND IN THE FUTURE TO SECURE YOUR CREDITCARD ACCOUNT(S) TO THE EXTENT OF THAT PORTION OF THE LOAN BALANCE WHICH MAY BE IN DEFAULT OREXCEEDS YOUR CREDIT LIMIT. INCLUDING COSTS OF COLLECTION AND REASONABLE ATTORNEY'S FEES. YOUAUTHORIZE US TO APPLY THE BALANCE IN THESE ACCOUNT(S) TO PAY ANY AMOUNTS DUE UNDER THISAGREEMENT IF YOU SHOULD BE IN DEFAULT. YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USEThisnoticetellsyouaboutyourrightsandourresponsibilitiesunderthe Fair Credit Billing Act.What To Do If You Find A Mistake On Your Statement Ifyouthinkthereisanerroronyourstatement,writetousattheaddress(es)listed on your statement. In your letter, give us the following information: 1.Yournameandaccountnumber.2.Thedollaramountofthesuspectederror.3.Ifyouthinkthereisanerroronyourbill,describewhatyoubelieveiswrongandwhyyoubelieveitisamistake.You must contact us:-Within60daysaftertheerrorappearedonyourstatement.-Atleast3businessdaysbeforeanautomatedpaymentisscheduled,ifyouwanttostoppaymentontheamountyouthinkiswrong.Youmustnotifyusofanypotentialerrorsinwriting.Youmaycallus,butifyoudo,wearenotrequiredtoinvestigateanypotentialerrorsandyoumayhave 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.Within30daysofreceivingyourletter,wemusttellyouthatwereceivedyourletter.Wewillalsotellyouifwehavealreadycorrectedtheerror.2.Within90daysofreceivingyourletter,wemusteithercorrecttheerrororexplaintoyouwhywebelievethebilliscorrect.While we investigate whether or not there has been an error:-Wecannottrytocollecttheamountinquestion,orreportyouasdelinquentonthatamount.-Thechargeinquestionmayremainonyourstatement,andwemaycontinuetochargeyouinterestonthatamount.-Whileyoudonothavetopaytheamountinquestion,youareresponsiblefortheremainderofyourbalance.-Wecanapplyanyunpaidamountagainstyourcreditlimit.After we finish our investigation, one of two things will happen:-Ifwemadeamistake:Youwillnothavetopaytheamountinquestionoranyinterestorotherfeesrelatedtothatamount.-Ifwedonotbelievetherewasamistake:Youwillhavetopaytheamountinquestion,alongwithapplicableinterestandfees.Wewillsendyouastatementoftheamountyouoweandthedatepaymentisdue.Wemaythenreportyouasdelinquentifyoudonotpaytheamountwethinkyouowe.Ifyoureceiveourexplanationbutstillbelieveyourbilliswrong,youmustwritetouswithin10daystellingusthatyoustillrefusetopay.Ifyoudoso,wecannotreportyouasdelinquentwithoutalsoreportingthatyouarequestioningyourbill.Wemusttellyouthenameofanyonetowhomwereportedyouasdelinquent,andwemustletthoseorganizationsknowwhenthe matter has been settled between us. Ifwedonotfollowalloftherulesabove,youdonothavetopaythefirst$50of the amount you question even if your bill is correct. Your Rights If You Are Dissatisfied With Your Credit Card PurchasesIfyouaredissatisfiedwiththegoodsorservicesthatyouhavepurchasedwithyourcreditcard,andyouhavetriedingoodfaithtocorrecttheproblemwiththemerchant,youmayhavetherightnottopaytheremainingamountdue on the purchase. To use this right, all of the following must be true: 1.Thepurchasemusthavebeenmadeinyourhomestateorwithin100milesofyourcurrentmailingaddress,andthepurchasepricemusthavebeenmorethan$50.(Note:Neitherofthesearenecessaryifyourpurchasewasbasedonanadvertisementwemailedtoyou,orifweownthecompanythatsoldyouthegoodsorservices.)2.Youmusthaveusedyourcreditcardforthepurchase.PurchasesmadewithcashadvancesfromanATMorwithacheckthataccessesyourcreditcardaccountdonotqualify.3.Youmustnotyethavefullypaidforthepurchase.Ifallofthecriteriaabovearemetandyouarestilldissatisfiedwiththepurchase, contact us in writing at the address(es) listed on your statement. Whileweinvestigate,thesamerulesapplytothedisputedamountasdiscussedabove.Afterwefinishourinvestigation,wewilltellyouourdecision.Atthatpoint,ifwethinkyouoweanamountandyoudonotpay,wemay report you as delinquent. page 3 of 3