Emerald Cash Rewards Visa® - Terms and Conditions – Cash rewards are based on the
qualifying purchases you make and rewards are earned at tier levels as follows:

Qualified Purchases Earned Rewards

$0 to $5,000

$5,001 to $10,000

Over $10,000

0.5%

1.0%

1.5%

A qualified purchase is a net retail purchase and does not include credits, returns or
adjustments. Cash advances, gift card purchases, balance transfers, and purchase of monetary
instruments are not eligible purchases and will not count towards cash rewards. To be eligible
for cash rewards, you must be registered for our e-Statement service and agree to receive your
Accounts statements and future disclosures electronically.

Earned cash rewards are calculated monthly and accrue each month throughout the year. You
can see the monthly earned cash rewards amount and cumulative balance on your credit card
billing statement each month. Cash rewards will not be earned or accrue for any month that you
are delinquent on your payment for a period of 30 days or more. Cumulative earned cash rewards
of $20 or more will be paid once a year during the month of November and deposited into your
Savings (S1) Account. If your cumulative cash rewards earned during the year do not meet the
$20 minimum for payout, they will be forfeited. Achieva Credit Union reserves the right to modify
or discontinue this program without notice.

YOUR BILLING RIGHTS
This notice contains important information about your rights and our responsibilities under the
Fair Credit Billing Act.

What To Do If You Think You Find A Mistake On Your Statement – If you think there is an error
on your statement, write to us at:

Achieva Credit Union
P.O. Box 2650
Largo, FL, 33779-9978

In your letter, give us the following information:
• Account information: Your name and account number.
• Dollar amount: The dollar amount of the suspected error.
• Description 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 statement.
You must notify us of any potential errors in writing. 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.
While we investigate whether or not there has been an error, the following are true:

• 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. But, if we determine that we made a mistake, you will not have to pay
the amount in question or any interest or other fees related to 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.

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. 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.)
2. 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.
3. 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, contact us in
writing at:

Achieva Credit Union
P.O. Box 2650
Largo, FL, 33779-9978

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.

This Agreement constitutes the entire agreement of the parties and supersedes all prior
communications, understandings and agreements relating to the subject matter hereof,
whether oral or written.

#0134 2,500 PL

© All rights reserved Achieva Credit Union 2010
I001450 (07/10)

P.O. Box 2650
Largo, FL 33779-2650

(727) 431-7680 • (941) 907-4000 • Non-local (800) 593-2274
www.AchievaCU.com

Classic/Gold/Platinum/Emerald/College Connection
VISA CREDIT CARD AGREEMENT
Effective July 10, 2010

KEEP THIS NOTICE FOR FUTURE USE

Agreement – This agreement (“Agreement”) governs your VISA card account (“Account”) with
the Credit Union and contains important information that applies to your Account.

Future Amendments – We may amend this Agreement at any time by adding, deleting, or changing
provisions of this Agreement. The most recent credit card agreement is available on our website
at www.AchievaCU.com.

Definitions – In this Agreement, the words:
“Account” means the VISA credit card account approved for you by the credit union.
“Card” means the access device with the VISA logo made available to you after approval for
the purpose of access to your Account. It also includes future renewed or substituted access
device issued to you under this Agreement.
“Credit Union”, “we” and “us” refer to the credit union whose name appears on this
Agreement or anyone to whom this Agreement may be assigned to in the future.
“Current Payment Due” means the minimum payment required that you must pay at or before
the “Payment Due Date” to avoid late charges.
“Finance Charges” means calculated interest based on your approved APR(s) you are paying
for the funds you borrow on your Account by making purchases, and other types of
transactions.
“Payment Due Date” means the date by which you must make the “Current Payment Due” to
avoid late charges.
“Total New Balance” means the balance remaining on your Account after the prior month
payment including fees, finance charges, and new transactions.
“you” and “your” refer to each liable person who applies and agrees to the term and conditions
of the Account. This includes any person authorized by you to use the account now or in the
future.

Usage of your Account – If you are approved for the Account, you understand that the first time
the card is used by you or other authorized persons on the Account for the purchase of goods or
services, will constitute consent to the terms of this Agreement and your acknowledgement of
delivery of a copy of this Agreement to you. If you allow someone to be an authorized user on the
Account, you are allowing that person to use the Account as you can. You will remain responsible
for all transactions and charges made by you and other persons authorized by you.

Usage of your Card – You may use your Card to purchase goods and services from merchants
and others who accept VISA. You may also use the Card for cash advances from financial
institutions and automated teller machine (ATM) permitting such transactions. Cash withdrawals
at an ATM will require the use of a personal identification number (PIN). Purchase of goods and
services online will often require you to enter the security code located on the back of your Card.
The Card or Cards you receive remain the property of the credit union and you agree to surrender
all Cards upon request or upon termination of this Agreement whether initiated by you or the credit
union. You agree that you will not use your card for transactions considered illegal under
applicable federal, state, or local laws. Transactions made on illegal internet gambling sites are
prohibited and will be rejected and can cause the termination of your Account.

Responsibility – In return for extending credit to you on this Account, you promise to pay for all
goods and services you charge to this Account, any finance charges, fees and other charges set
forth in the terms of this Agreement. If more than one person has applied for or is liable on the
account, each of you will be responsible for paying all charges incurred whether initiated by you
or anyone who has your permission to use the Account.

Account Credit Limit and Responsibility – Once you have been approved for the Account, we will
notify you of the credit limit authorized on the Account. You are responsible for keeping track of
your Account balance (including fees and Finance Charges) and to ensure that you do not exceed
the limit of the Account. Occasionally, we may, but we are not required to, authorize a charge

over the limit of your Account without imposing an over the limit fee. If your billing statement
indicates that your limit has been exceeded, you will be required to cover the excess over the
limit (in addition of the required “Current Payment Due”) by the “Payment Due Date” of the
statement showing your Account balance over its credit limit. We have the right at any time, and
when not prohibited by law, to limit or terminate the use of your Account without giving you notice
in advance and we will not be liable to you for any consequences resulting from this action.

Requesting a Limit Increase – You may at any time request an increase of your limit by submitting
a credit request to us. All requests will be evaluated on the credit information of the requestor(s)
and current income to establish ability to repay the debt. Final decisions remain at the sole
discretion of the Credit Union.

Billing Period – To help manage your Account, we divided the year in equal monthly billing periods
so you have the convenience of a monthly statement made available to you at least 25 days prior
to your “Payment Due Date”. The “Payment Due Date” will always be the same date each month.

Finance Charges – No Finance Charges will be imposed in any billing period if there is no balance
owed at the beginning of the billing period or a credit balance exists. If you have a previous
balance on your billing statement, we will apply Finance Charges on the “Total New Balance”
(previous balance plus any fees, purchases, transfers and cash advances minus any payment(s)
you made). The Finance Charges are determined by applying the monthly periodic rate (MPR) of
your Account to the calculation of your Average Daily Balance. Finance Charges for cash
advances and transfers begins to accrue from the date they are originated or from the first day of
the billing cycle in which the cash advances or transfers are posted to your Account, whichever
is later. Finance Charges on your purchases of goods and services start accruing on the day the
transactions post to the Account.

Other Fees as applicable:
Return Item Fee – If any check, instrument, or electronic authorization used to pay the amount
you owe us under this Agreement is not honored upon first presentment, we may charge you a
Return Item Fee of $10.00 for each item.

Card Replacement Fee – A fee of $10.00 may apply to each replacement card issued to you for any
reason.

Copy of Document Fee – A fee of $5.00 may apply for each copy of a sales draft or statement
requested by you (except when the request is made in connection with a billing error or
unauthorized transactions).

Method of Computing Finance Charges – We first determine the Average Daily Balance on your
Account for the billing period. To compute the Average Daily Balance, we take the beginning
balance of your Account each day, then add any new purchases, unpaid Finance Charges, fees,
and other charges, then subtract any payments, credits or credit adjustments. This gives us the
daily balance. We then add up all the daily balances for the term of the billing period and divide
the total by the number of days in the billing period. This gives us the “Average Daily Balance”.
All transactions on your Account are calculated by this method even if calculated separately.

Grace Period – “Grace Period” means the period of time during a billing cycle when you will not
accrue Finance Charges on certain transactions or balance(s). To avoid Finance Charges on new
purchases of goods and services and to take advantage of the Grace Period, you must have paid
the Total New Balance from the prior month billing statement in full by the “Payment Due Date”
and pay the “Total New Balance” of the current billing statement (showing all new transactions)
in full by 5:00 PM on the “Payment Due Date”. A Grace Period does not apply to transfers and
cash advances.

Current Payment Due – The “Current Payment Due” each month is the greater of $10.00 or 3% of
the “Total New Balance” rounded up to the nearest dollar. Effective August 22, 2010: the “Current
Payment Due” each month changes to the greater of $25.00 or 3% of the “Total New Balance”
rounded up to the nearest dollar. The “Current Payment Due” must be received by at least 5:00 PM
on the “Payment Due Date” which will be on the same date every month and no less than 25 days
from the end of the prior billing statement closing date.

When Your Payment will be Credited to Your Account – If you make your payment in person at one
of our branches, your payment will be credited on the same day you make the transaction.
Payments made electronically before 5:00 PM will be credited on the same day except for Sunday
and Federal Holidays. Mailed payments will be credited as of the date they are received. If your
“Payment Due Date” is a Sunday or Federal Holiday, you will not be considered late for any
purpose and will not incur a late payment fee if your payment is made by the next business day
that we are open.

Payment Allocation – You may pay more than the “Current Payment Due” and make payments to
your Account at any time without penalty. If your Total Outstanding Balance is made of balances
with different APRs, we will allocate funds you pay over the “Current Payment Due” to the balance
with the highest APR first, and any remaining excess funds after that to the next highest APR in
descending order. This will result in balances with higher APRs to be paid before any others. If your
credits and payments exceed the total balance owed on the Account, your Account will show a
credit balance and the funds will be applied against future purchases, transfers or cash advances.
If the credit balance amount is $1.00 or more, it will be refunded upon your written request or
automatically after six (6) months.

Change-in-term Notice – Factors such as changes in products, market conditions, financial
considerations, and other unforeseen circumstances may require us to amend the terms of your
account from time to time. The law requires that we disclose certain “significant changes” in
terms to you at least 45 days in advance. If we make one of these “significant changes” in the

terms of your Account, we will make available to you a written change-in-terms notice at least 45
days before the change takes effect.

permitted by applicable law of the State of Florida.

Opt-out – Change-in-term notices that you may receive in the future will include the reason(s) for
the change and a statement allowing you to opt-out of the change-in-term before it goes in effect.
It will also describe how you should proceed to opt-out of the new change. You agree and
understand that opting-out of a change-in-term will terminate the use of your Account. If you have
recurring debit payment(s) set-up with your credit card account, you must notify the payee(s)
immediately and make alternate arrangements. APR Increase – If we increase the APR of your
Account, we will not apply the increase to the existing balance of your Account (defined as the
amount owed at the end of the 14th day after the date we made the change-in-term notice
available to you). This doesn’t apply if you entered into a prior Agreement with us for a promotional
APR with a pre-defined term and your promotional APR has reached its maturity date and all facts
were clearly disclosed to you when you signed for the promotion. The right to opt-out of a change-
in-term (including an APR increase) will not apply if:

(1) The change is due to an independent index for an Account that has a variable APR

based on a certain margin over a published index.

(2) You failed to comply with the terms of an individual workout plan.
(3) You failed to pay the “Current Payment Due” and you are more than 60 days past due

on your Account.

If you use your Card to make purchases, pay for services, make transfers and/or cash advances
and the transactions post to your Account more than 14 days after we have made the change-in-
term notice available to you, we have the right to apply the new rate and/or transaction fee to
those transactions even if you have rejected the change-in-term before the effective date. If there
is more than one person responsible for this Account, notices sent to one of you will be considered
notice to all of you.

Underage Consumers (Under the Age of 21) – We will not issue a credit card to anyone under the
age of 21 unless such person is able to:
a) Provide proof indicating he or she has the ability to support the debt, or
b) Applies and obtains the signature of a qualified co-applicant of at least 21 years of age who has
the ability to repay the debt and agrees to be jointly liable on the Account. If a request is made to
increase the limit of such Account, it will not be considered unless permission is obtained from
the co-applicant who is at least 21 years old and who is currently jointly liable. All increase
requests are subject to ability to repay and credit information and are at the sole discretion of the
credit union.

Balance Transfers – Other financial institutions’ credit card accounts are eligible for balance
transfer to this Account and will be treated as cash advances on your Account. Occasionally, we
may offer a promotional lower APR for a limited introductory period of no less than six (6) months
to accommodate the transfers of such balance(s). During the introductory period of a special
promotion, only the balance(s) of such transfer(s) are subject to the promotional APR. All other
transactions you make (purchase of goods and services, cash advances) will be subject to the
qualified APR that was disclosed to you when you opened the Account. This qualified APR is the
same as the one that will also apply to any remaining balance(s) of your original other credit card
balance transfer(s) after the termination of the promotional introductory period APR.

Foreign Transactions – Purchase of goods and services or cash advances you make in foreign
currencies will be converted in US dollars before posting to your Account. On the day VISA
receives your transaction(s), they select the rate of exchange to convert your transaction(s) in US
dollars from a range available to them in wholesale currency markets. The selected rate may be
different than the rate of exchange in effect on the day you made the transaction(s) or the day the
transaction(s) post to your account. The credit union does not charge you additional fees for the
foreign transactions you make.

Credit Review – You authorize us to review your credit history by obtaining credit reports in
connection with your application for this Account and subsequently in connection with a
purchase, a review of your Account, or efforts to collect any amount due on your Account. Upon
your request we will tell you whether or not a credit report was requested and the name and
address of the consumer credit reporting agency we used. Your authorization also extends to
inquiries we may initiate with your employer, businesses or financial institutions where you may
have (now or in the past) established relationships, and persons you named as references.

Closing the Account – You may close this Account at any time without any specific reason. If you
close this Account, we may require you to put the request in writing and you agree that you are
responsible to pay the total balance due (including fees and Finance Charges) on the Account
under the current terms of the Agreement in force at the time the Account is closed. We have the
right to close or suspend privileges on this Account at any time and for any reason without prior
notice.

Default – You will be in default if you fail to make the “Minimum Payment Due” by the “Payment
Due Date” of your billing statement. You may also be considered in default if you fail to promptly
pay any amount exceeding the credit limit of your Account. If you breach any promise or obligation
under this Agreement, if you become incapacitated, or if you file bankruptcy subject to applicable
law, we may also consider you to be in default under this Agreement. You will also be found to be
in default if any statement made by you to us in connection with this Account, or any other credit
program with us was false or misleading. If we receive information indicating that you are
deceased, bankrupted, intent to file for bankruptcy, or unable to pay your debts as they become
due; or we receive information leading us to conclude that you are no longer credit worthy, or in
the event of default, subject to any right you may have under applicable law, we may demand the
payment of the entire unpaid balance due. If we must refer your Account to an attorney, you agree
to pay our reasonable attorney’s fees and court costs, but only to the extent and in the amount

Security Interest – If the security of this Account required a specific pledge of your shares
where you signed a specific pledge agreement, you agree that you may not withdraw amounts
that have been specifically pledged to secure this Account until we agree to release all or
part of the pledged amount. You also agree that we may (without prior notice and to the extent
of the law as permitted in the state of Florida), charge against and deduct from any of your
accounts, whether individual or joint, at the credit union except deposits which may be held
pursuant to an Individual Retirement Account or other tax-deferred retirement account, any
due and payable debt owed to us now or in the future. This includes the total amount of which
we are entitled to demand payment under the terms of this Agreement including collateral
securing other loans, which are part of a credit plan you have with the Credit Union, except for
the security interest in your principal dwelling, may also serve as security for this Account in
case of default.

Enforcing this Agreement – We have the right to enforce or not enforce our rights under this
Agreement without losing the right to enforce them in the future. A delay in action does not
indicate that we cannot exercise these rights at a later date as permitted by law. If any term of
this Agreement is found to be unenforceable, all other terms will remain in full force.

Telephone Monitoring and Recording – In order to ensure that you receive the best possible
service, and that our employees comply with our policies and applicable laws in their contact
with you, on occasion, we may record your call or we may have a second employee listening to
your call. You consent to the recording and monitoring of your calls and further authorize us to
contact you by telephone for any lawful purpose.

Change of Address – If your mailing address or contact information has changed, or if the
address as it appears on this billing statement is incorrect, you must notify us promptly by
contacting us at the address or telephone number at the beginning of this Agreement or use
our website at www.AchievaCU.com. If we note that mail addressed to you is returned to us by
the United States Postal Service (USPS) with an address correction label, you authorize us to
accept, at our option, the mailing address correction provided by USPS to correct the address
on your Account. If you have elected to receive electronic billing statements for this Account,
you must promptly provide us with an update of your correct email address. Your email address
may be easily updated by accessing our electronic banking platform “Home Banking” located
on our website. A bad address may result in a monthly Bad Address Processing Fee as set forth
in our current Schedule of Fees.

Information we share and our Privacy Policy – We do not share your personal information
except with non-affiliated service providers we use to service your Account and we only share
the information necessary to accomplish specific tasks. By opening this Account, you
understand and grant us the authorization to share information about you and this Account with
the service provider we use to assist you in case of emergency about your Account. Our overall
Privacy Policy is available on our website, was provided to you in the Universal Account
Agreement when you opened your membership. Our Privacy Policy is also made available to
you electronically if you are registered with our e-Statement service or by U.S. Postal service
on an annual basis.

Liability for Lost or Stolen Cards or Account Number – If your Card, Account number or other
means to access your Account are lost or stolen, or you think someone used or may use your
Account without your permission, you must notify us at once, orally or in writing, Monday
through Friday 9:00 AM to 5:30 PM at the address and phone number shown on this agreement
or by calling 1-800-543-5073 twenty-four (24) hours a day, seven (7) days a week. You will not be
liable for unauthorized transactions that occurs after you notify us of the loss, theft, or possible
unauthorized use. You will have no liability for unauthorized purchases made from your Account,
unless you are found to be grossly negligent in the handling of your Card or Account. If you
notify us properly and no gross negligence was found from your part, your liability will not exceed
$50 and may be waived under the Visa agreement with your Card issuer.

IMPORTANT INFORMATION REGARDING YOUR ACCOUNT – We may report information about
your Account to credit reporting agencies, including a failure to pay us on time (late payments,
missed payments or other defaults). This applies to all parties liable for this Account.

GOVERNING LAW – THE TERMS AND ENFORCEMENT OF THIS AGREEMENT AND YOUR
ACCOUNT SHALL BE GOVERNED AND INTERPRETED IN ACCORDANCE WITH FEDERAL LAW
AND, TO THE EXTENT STATE LAW APPLIES, THE LAW OF FLORIDA WHERE WE AND YOUR
ACCOUNT ARE LOCATED, AND WILL APPLY NO MATTER WHERE YOU LIVE OR USE THE
ACCOUNT.

Special Rule for Credit Card Purchases – If you have a problem with the quality of the property
or services that you purchased with your 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
property or services. There are two (2) limitations on this right:
a) You must have made the purchase in your home state or, if not within your home state, within
100 miles of your current mailing address; and
b) The purchase price must have been more than $50.00. These limitations do not apply if we own
or operate the merchant, or if we mailed you the advertisement for the property or services.