LGE Community Credit Union 
VISA® COMMERCIAL CREDIT CARD AGREEMENT 

1.0  INTRODUCTION.  This  COMMERCIAL  CREDIT  CARD  AGREEMENT  (Agreement)  sets  forth  the  terms  of  your  VISA®  Credit  Card 
account  (Account)  with  LGE  Community  Credit  Union.  This  Agreement  supersedes  any  terms  and  conditions  on  the  card  mailer 
accompanying  the  Card. 

1.1 

1.2 

Parties.  In  this  Agreement,  the  word  “Company”  refers  to  the  business  organization  or  sole  proprietorship  that  has 
applied  for  the  Account.    The  word  “Cardholder”  means  a  person  for  whom  Company  has  requested  and  t o   w h o m  
we  have  issued  a  Card.  The  words  “you”  and “ your” m e a n  C o m p a n y , a l l  C a r d h o l d e r s , a l l  authorized  signers, 
anyone  to  whom  any  of  you  give a  Card  (even  if  they  exceed  or  violate  your  instructions), and anyone  else authorized 
to use the Account.   The words “Credit Union,” “we,” “our” and “us” refer to Credit Union. 

Definitions.  In  this  Agreement,  the  word  “Card”  means  one  or  more  credit  cards,  or  other  devices  by  which  credit 
may be accessed other than a check, issued on the Account.  “Card” includes any tangible card with a  number  embossed 
on  it;  a  card  number;  or  a  card  number  issued  without  a  tangible  card  (sometimes  called  a  “virtual  card”).  The  term 
“Outstanding  Balance”  i n c l u d e s   t h e   o u t s t a n d i n g  b a l a n c e  o f   p u r c h a s e s ,  f i n a n c e  charges,  and  other  fees 
and  charges  associated  with  the  Account.    “Charges”    refers    to    all    amounts    charged    to    the    Account,    including, 
without  limitation,  purchases,  any  transaction  in  which  you  have  evidenced    an  intention  to  make  a  purchase, 
miscellaneous  charges  and  fees,  and  any  other  monetary  obligations  associated  with  the  Account.  “Applicable  Law” 
shall  include:  “(i)  Visa  U.S.A.  Inc.  Bylaws,  Visa  U.S.A.  Inc.  Operating  Regulations,  Visa  U.S.A.  Inc.  Certificate  of 
Incorporation,  Visa  International  Bylaws,  and  Visa  International  Operating  Regulations;  and  (ii)  any  and  all  laws, 
treaties,  rules,  regulations,  or  regulatory  guidance  of  the  government  of  the  United  States,  any  state  thereof,  or  of 
any applicable foreign government or state thereof, as the same may be amended and in effect from time to time. 

2.0      AGREEMENT.  This  Agreement  becomes  effective  on  the  earlier  of  (a)  15  days  after  the  Credit  Union  sends  you  the  first 
Card;  or  (b)  your  first  use  of  the  Card  or  Account.  Any  use  of  the  Card  or  Account  constitutes  your  acceptance  of  the  terms  of  this 
Agreement.  If  you  do  not  wish  to  be  bound  by  this  Agreement,  you  must  not  use  (or  authorize  anyone  else  to  use)  the  Card  or  Account 
and  must  cancel  the  Account  and  return  all  of  the  Cards  within  15  days  after  receiving  the  Card.  Company  and  all  Cardholder  will  at  all 
times comply with all applicable  laws. 

3.0       CREDIT LIMITS 

3.1 

Company  Credit  Limit.  We  will  establish  and  notify  Company  of  a  credit  limit  for  the  Account  (“Company  Credit 
Limit”).  We  may,  at  any  time  and  at  our  sole  option,  with  or  w i t h o u t  notice  t o   y o u ,  increase  or  decrease  th e 
Company  Credit  Limit  on  the  Account.  Without  limiting    the    foregoing,    we    may    reduce    the  amount    of    credit 
available  under  the  Company  Credit  Limit  by  the  amount  of  any    request    for    authorization  from    a    merchant  or 
financial institution even if the amount has not yet posted to the Account. 

You  agree  not  to  use,  or  allow  anyone  else  to  use,  the  Card  or  Account  in  any  way  that  would  cause  the  balance 
of  purchases  on  the  Card  or  Account,  to  exceed  the  Company  Credit  Limit.  We  are  not  under  any  circumstances 
obligated  to  approve  any  transaction  or  extend  credit  if  doing  so  would  exceed  any  applicable  limit;  but  if  we  do, 
Company  agrees  to  repay  all  Charges  that  exceed  the  Company  Credit  Limit,  plus  other  applicable  Charges  in 
accordance  with  the  terms  of  this  Agreement.  Fees  for  exceeding  the  Company  Credit  Limit  appear  in  Section  13. 
below. 

3.2 

Cardholder Credit Limit.    We  may  establish  individual  credit  limits  for  purchases  on  a  per  Card  basis, referred 
to  as  “Cardholder  Credit  Limits.”     In  no  event  may  a  Cardholder  Credit  Limit  exceed  the  Company Credit Limit. 

We   may,   at   any   time   and   at   our   sole   option,   with   or   without   notice   to   you,     increase    or     decrease    the 
Cardholder  Credit  Limit  on  any  Card.  Without  limiting  the  foregoing,  we  may  reduce  the  amount  of  credit  available 
under  the  Cardholder  Credit  Limit  on  a  Card  by  the  amount  of  any  request  for  authorization  from  a  merchant  or 
financial institution even if the amount has not yet posted to the  Account. 

You  agree  not  to  use,  or  allow  anyone  else  to  use,    the    Card    or    Account    in    any    way    that    would    cause    the 
balance of purchases on the Card to exceed the Cardholder Credit Limit or Company Credit Limit. 

We  are  not  under  any  circumstances  obligated  to  approve  any  transaction  or  extend  credit  if  doing  so  would  exceed 
an  applicable  Cardholder  Credit  Limit;  but  if  we  do,  you  agree  to  repay  all  Charges  that  exceed  the  Cardholder 

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Credit  Limit,  plus  other  applicable  Charges  in  accordance  with  the  terms  of  this  Agreement.   Fees  for  exceeding  the 
Cardholder Credit Limit appear in Section 13. below. 

4.0  

THE  CARDS. 

4.1 

4.2 

4.3 

4.4 

4.5 

Signature Panel.   For  your protection, the back of the Card contains a signature panel which must be signed before 
the Card may be used. 

Credit  Union’s  Property.    The  Card  is  the  property  of  the  Credit  Union and must  be returned to the Credit  Union  on 
request.  The  Credit  Union  may  revoke  any  Card  or  all  of  the  Cards  at  any  time,  without  cause  and  without  notice.  If 
a  merchant  or  a  financial  institution  where  the  Card  is  attempted  to  be  used  asks  for  the  surrender  of  the  Card,  you 
must surrender it immediately. 

Expiration.  The  Card  will  not  be  valid  after  the  expiration  date  printed  on  the  front  of  the  Card,  and  it  must  not  be 
used after that date. 

Renewal and Replacement Cards.   The Credit Union may issue renewal or replacement Cards at its 
sole  discretion. 

Additional  Cards.  You  may  request  additional  Cards.  You  are  responsible  for  all  charges  to  the  Account  made  by 
holders  of  additional  Cards. 

5.0  
AVAILABLE  T RANS ACT ION S      (BUSINESS      PURPOSE).      Subject  t o   t h e  o t h e r   t e r m s   a n d  c o n d i t i o n s   o f   t h i s  
Agreement,  the  Cards  and  Account  may  be  used  only  for  business  (non-consumer)  purposes  for  the  types  of  transactions  shown  below.   
You agree  not  to  use  the  Cards  or  Account  for  any  transactions  that  are  primarily  for  personal,  family  or  household purposes,  although 
Company  agrees to pay for such Charges: 

5.1 

5.2 

Purchases.   To purchase goods and services wherever VISA cards are honored. 

Fraudulent  or Q u e s t i o n a b l e  T r a n s a c t i o n s .   We  reserve  the  right  to  decline  to  authorize  any  requested 
transaction  which we reasonably believe is or may be unauthorized or fraudulent in any respect. 

6.0        LIABILITY   /   PROMISE TO PAY.    Company  promises  to  pay  any  Charges  resulting  from  use  of  a  Card  or  the Account, 
plus  all  interest,  fees  and  other  amounts  due  on  the  Account.  This  Agr eem ent  is  n o t   in  der ogation  o f   a n y   o t h e r   obligation  the 
Company may have with the Credit Union. 

   7.0   

COMPANY-BILL  OPTION.   This Section 8 applies if Company has elected to have  statements sent to Company. 

7.1 

7.2 

7.3 

Statements  Sent  to  Company.  We  will  prepare  a  monthly  statement  (“Statement”)  showing  the  total  amount    of 
Charges, including purchases,  interest,  fees  and  other  amounts  posted  to  the Account  during  the  billing  period  and 
the  Outstanding  Balance  of  the  Account.  We  will  mail  the  Statement  to  Company  at  the  last  address  shown  for 
Company  in  our  records.  It  is  Company’s  responsibility  to  review  the  Statements  carefully  to  ensure  that  Company 
recognizes  a l l  C h a r g e s   b i l l e d   a n d   t h a t   t h e   a m o u n t   i s  appropriate  for  Company  to  pay.    Any 
discrepancies  should  be  brought  to  our  attention  in  writing  immediately  but  no  later  than  60  days  after  we  sent  you  the 
first  bill on which the  error or problem appears.   Verbal notification will not preserve your rights. 

Change of C o m p a n y  A d d r e s s.    Company  agrees  to  notify  us  within  10  days  of  any  changes  of  address. Until 
we  are  notified  that  the  Company’s  billing  address  has  changed,  we  will  continue  to  send  Statements  and  other 
notices to the last address we  maintained for Company. 

Payments.  Company  promises  to  pay  the  Credit  Union  according  to  the  terms  of  this  Agreement  the  entire  amount 
owing  under this  Agreement. 

  8.0  

PAYMENTS GENERALL Y. 

8.1 

8.2 

Payment  Rules.   You  may  not  make any  payment  directly or  indirectly  by  an advance on  the  Account.   . 

Minimum Payment.   You  promise  to  make  at  least  the  minimum  payment  due  on  the  Account  each  month  as 

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shown  on  your  monthly  Statement.  The  minimum  payment  each  month  will    be    equal    to    2%    of    the  Outstanding 
Balance,  plus  any  over limit  amounts,  fees,  past  due  amounts  and  accrued   but  unpaid  finance charges  (interest). 
In  no  event  will  the  minimum  payment  be  less  than  $10.  If  the  Outstanding  Balance  is  less  than  $10,  the  minimum 
payment  will  be the entire Outstanding Balance. 

8.3 

8.4 

8.5 

Making  Payments.  The  Credit  Union  must  receive  the  minimum  payment  due  at  the  address  designated  on  your 
monthly    Statement    on    or    before    the    due    date    shown    on    your    Statement.    Payments  r e c e i v e d  a f t e r       any 
reasonable  cutoff  hour  we  set  will  be  treated  as  received  on  the  next  business  day.   Receipt  of  your  minimum  payment 
at any address other than that designated  on  your  monthly statement may create a delay in posting to the Account and 
result in a late fee and additional finance charge. 

Payments.   All  payments  must  be  made  in  U.S.  Dollars  drawn  on  funds  on  deposit  in  the  United  States. Please 
do not mail cash payments. 

No  Waiver  or  Impairment  of  Credit  Union’s  Rights.    The  Credit  Union  may  accept  late  payments,  partial  payments 
or  any  payment marked with any  kind  of restrictive  endorsement (such  as  “paid  in  full”  or  “in  settlement”)  without 
giving  effect  to  the  restrictive  endorsement   and    without    losing,    waiving,    or    impairing    any    of    the    Credit  Union’s 
rights  under    this    Agreement    or    under    applicable    law.    Except  f o r   b i l l i n g   e r r o r   n o t i c e s ,  c o m m u n i c a t i o n s  
regarding  any  disputes  about the Account must be mailed to  the  following  address:  LGE  Community  Credit Union, Attn: 
Card  Disputes,  P . O .   B o x   1 1 8 8 ,   M a r i e t t a ,   G A   3 0 0 6 1 .   Any communications   sent   elsewhere,   or   our 
acceptance   of payments marked “payment in full” or the like, will be of no legal effect. 

8.6 

Application  of  Payments: Payments  in  excess  of  the  minimum  payment  will  be  applied  first  to  the  card  balance  bearing 
the  highest  rate  of  interest  and  any  remaining  portion  to  the  other  balances  in  descending  order  based  on  the  applicable 
annual percentage rate. 

DEFAULT.   You  will  be  in  default  if  any  of  the  following  occur  as  to  the  Account,  any  Card  or  Cardholder,  or  any principal 

9.0  
(owner, director, officer or other manager) of Company or any  Cardholder  which is an organization: 

9.1 

9.2 

9.3 

9.4 

9.5 

9.6 

9.7 

9.8 

9.9 

We do not receive any minimum payment due at the proper address on or before the payment 

due  date; 

You  exceed any applicable  Company Credit  Limit or Cardholder Credit  Limit; 

You fail to honor any other obligation under this  Agreement; 

You or any guarantor dies or becomes legally  incapacitated; 

You  or  any  guarantor  files  for  bankruptcy,  or  becomes  insolvent  or  generally  unable  to  pay  your  debts,  or  makes  an 

assignment for the benefit of creditors; 

You  or  any    guarantor  furnishes  false,  incomplete    or    misleading    information    to    the    Credit  Union    at    any      time, 
including  on  the  Card  application,  or  any  financial  statement  or  other  document  or  information  submitted  to  the  Credit 
Union; 

You or any guarantor are in default under any other obligations to the Credit Union; 

Another creditor attempts through legal process to take any of your or any  guarantor’s  money 

or  property; 

The  Credit  Union  reasonably  believes  that  you  or  any  guarantor  are  unable  or  unwilling  to  honor    all    of    your 
obligations under this Agreement or other obligations either of you owe to us; 

9.10 

The Credit Union has evidence or reasonably believes  that  an   unauthorized  use  of  the  Card  or  Account   has  been 

made or attempted; 

9.11 

There is any material change in the equity ownership or managerial control of Company. 

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9.12 

 If  you  are  in  default,  the  Credit  Union  may  declare  without  prior  notice  the  Outstanding  Balance  of  the  Account 
immediately  due  and  payable,  may close or suspend the Account or any of the Cards, and recover the Cards. 

10.0  
after  default,  judgment, or the closing of the  Account. 

INTEREST ( FINANCE C H A R G E ).    The   following i n t e r e s t  ( finance) c h a r g e s  w i l l  a p p l y , w h e t h e r  b e f o r e  o r    

10.1 

10.2 

10.3 

Grace  Period.  No  interest  will  be  assessed  on  purchases  if  you  have  paid  the  total  balance  of  purchases  shown  on 
your   monthly  statement   in  full   within  25  days  after   the   statement  date.   Otherwise, i n t e r e s t     will    be    assessed 
on  each p u r c h a s e  f r o m  t h e  d a t e  o f  t h e  p u r c h a s e  t r a n s a c t i o n .   Cash  advances  or  Balance  Transfers  will 
be  charged interest from the date of transaction. 

Balance  Subject to Finance Charge―Average Daily Balance.  We will calculate interest by applying a periodic rate 
(described below) to the Average Daily Balance of the Account.   To get the Average Daily Balance, we take the 
beginning balance of your Account each day, add any new purchases, and subtract any payments, credits,  any non- 
accruing fees, and unpaid interest.   This gives us the daily balance.   Then we add up all the daily balances for the 
billing cycle and divide the total by the number of days in the billing cycle. This gives us the Average Daily Balance for 
the billing cycle. 

“Promotional Rate” Finance Charges:   From time to time and in our sole discretion we may offer a special rate applicable 
to certain transactions such as particular purchases (as defined by us), balance transfers, cash advances or purchases 
made by using Convenience Checks.  Applicable terms and conditions will be disclosed at the time any such promotion is 
offered, and are incorporated into this Agreement by reference.  The promotional rate will apply only to the transactions and 
for the period of time set forth in any such offer from us.  Existing balances and new purchases or advances not expressly 
subject to any such promotion will remain governed by the terms and conditions of this Agreement.  In addition, the terms 
and conditions of this Agreement will govern your obligations regarding any unpaid balance or transactions that are made 
subject to any such promotional offer, that are not fully paid within the time period set forth in such promotional offer. 

10.4 

Minimum Finance  Charge.   There is no  minimum Finance  Charge. 

10.5 

Annual  Percentage  Rate. 

10.5.1  Variable  Rate.  When  the  Account  has  a  balance  subject  to  a  Finance  Charge  (as  described  above),  we  will 
assess  interest  (a  Finance  Charge)  calculated  by  applying  the  applicable  monthly  periodic  rate  (“periodic 
rate”)  to  the  Average  Daily  Balance.  Your  periodic  rates  and  corresponding  Annual  Percentage  Rates  may 
vary  from  billing  period  to  billing  period  and  are  based  on  an  index  (“Index”)  plus  the  respective  margin 
(“Margin”).  The  periodic  rates  applied  in  any  billing  period  will  be  equal  to  [1/12]  of  the  sum  of  (i)  the  Index 
value plus (ii) the applicable Margin. 

Index.  The  “Index”  is  the  average  of  the  26-week  Treasury  Bill  (“T-Bill)  Rates  for  the  preceding  four 
weeks  by  the  Federal  Reserve.  If  the  Federal  Reserve  Bank  ceases    publication  or  no  longer  publishes    the 
Index,  we  may  substitute  a  different  index,  in  our  sole  discretion  (subject  to  applicable  law),  which  will 
thereafter be the Index for the Account. 

Margin.   The Margin is 12%. 

Minimum  and  maximum m  rates.    Notwithstanding  the  above,  the  minimum  Annual  Percentage  Rate  we  will 
ever charge is 12.00% and the  maximum is 18.00%, subject to applicable law. 

10.5.2  Current APRs.   For  your current periodic rates and Annual  Percentage Rates, 

contact  Credit Union. 

10.5.3  Effect  of  Rate  Increases.    If  the  Annual  Percentage  Rate  increases,      the      amount      of      the      interest 
Finance  C h a r g e s   may  a l s o   increase.    Any  n e w   p e r i o d i c   r a t e s   w i l l       apply      to      existing   
Account  balances.  The  periodic  rate  may  also  change  as  provided  in  the  section  of  this  A g r e e m e n t  
e n t i t l e d   "Changing  This  Agreement." 

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11.0   

CASH  ADVANCES.   The Cards and/or Account cannot be used to obtain Cash  Advances. 

12.0  

OTHER  FEES  AND  CHARGES. 

12.1 

Late  Payment  Fee.    If  we  do not  receive  the  minimum  payment  due  on  or  before  the  payment  due  date  as  it appears 
on  your  monthly  statement,  we  will  charge  the  Account  a  late  fee  for  the  billing  period,  in  addition  to  interest  which 
accrues  on  the  unpaid  balance.   Please see Attachment “A” for current Late Payment Fee. 

12.2 

Annual Fee. There is no Annual Fee. 

12.3 

12.4 

12.5 

12.6 

If   any   check   or   other   item   you   submit   to   us   in   payment   on   the   Account   is 
Returned    Payment    Fee. 
dishonored  or  returned  unpaid,  you  will  be  charged  a  fee.     Please  see  Attachment  “A” for  current  Returned  Payment 
Fee. 

Pay  by  Phone  Fee.  Each  time  a  pay  by  phone  payment  is  processed  on  the  Account,  a  fee  be  assessed  for  the 
service. 

Overlimit  Fee.  If  the  Account  or  a  Card  exceeds  any  applicable  Credit  Limit,  we  may  impose  a  charge  equal  to  1%  of 
the  overlimit  amount,  but  in  no  event  will  the  fee  be  less  than  $25  or  more  than  $1,000.  We  may  assess  this  fee 
even if we approved the transactions that caused the Credit Limit to be exceeded 

for  each  copy  of  your  monthly  statement, 
impose  a  charge 
Statement/Charge  Slip  Copy  Fee.  We  may 
transaction/travel/entertainment  charge  slip  you  request.  No  charge  will  be  imposed  in  connection  with  any  good  faith 
assertion  of  a  billing  error  given  to  us  in  writing.  Please  see  Attachment  “A”  for  current  Statement/Charge  Slip  Copy 
Fees. 

13.0  
internationally.   Certain  fees  will  be  charged  on  cross-border transactions  and  foreign-currency  transactions. 

CROSS-BORDER  AND  FOREIGN  CURRENCY  TRANSACTIONS.  The  Card  may  be  used  to  purchase  goods  and  services 

13.1 

13.2 

Single Currency  Transactions. On transactions that occur in a country  other than the merchant country, in  the  same 
currency  as  the  merchant’s  (i.e.,  no  currency  conversion  takes  place),  we  will  assess  a  Single  Currency  Transaction 
Fee of .8% of the transaction amount. 

Multi-Currency  Transactions.  On  transactions  that  occur  in  a  country  other  than  the  merchant  country,  in  a  currency 
other  than  the    merchant’s    (i.e.,    a    currency    conversion    is    performed),    we    will    assess    a    Multi-Currency 
Transaction Fee of 1% of the transaction amount. 

14.0      DISCLOSURES  OF  INFORMATION.    You  consent  to  the  release  of    personal  data  about  yourself  by  the  Credit  Union  to 
VISA,  its  members  and  their    respective    contractors    for    the    purpose    of    providing    emergency    Card    replacement    services,    and 
otherwise  as  allowed  by  law.  Credit  Union  may  also  release  business  or  personal  data  about  you    to    third    parties    as    necessary    or 
appropriate  (i)  in  the  ordinary  course  of  servicing  the  Account  and  Cards,  (ii)  for  purposes  of  marketing  to  you,  (iii)  as  required  by  law  or 
legal process, and (iv) otherwise as permitted by law. 

15.0  

RESTRICTIONS  ON  USE  OF  ACCOUNT. 

15.1 

15.2 

Named  User.  Only the  Cardholder  named   on  the  Card   is   permitted   to   use   it   for   charges,   identification,   or  any 
other  reason. 

No  I l l e g a l  P u r p o s e .    Your    use    of    the    Cards   and   Account    are    subject    to    applicable    law    and      VISA 
International    Operating    Regulations.    The    Card    and    Account    may    not    be    used    in      connection      with      any 
transaction    that    is    unlawful.    The  responsibility  to  determine  whether  any  transaction  or      use      is      lawful      or 
otherwise permissible rests with you. 

15.3 

Gambling.  In addition, the Cards may not be used to participate in any gambling activity (whether lawful or unlawful). 

Notwithstanding   the   foregoing,   you   will   remain   fully   obligated   to   pay   any   indebtedness   incurred   in   contravention   of  the 
foregoing limitations.   We may block any transaction that we believe may violate this provision. 

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16.0  
LIABILITY  FOR  UNAUTHORIZED  USE.  Except  as  expressly  limited  by  law  and  Section  17.1  below,  you  are  liable  for  all 
Charges  on  the  Card,  authorized  and  unauthorized.  If  the  Card  or  Account  number  is  lost  or  stolen,  or  if  you  think  that  someone  used  or 
may  use  them  without  your permission,  you must notify the Credit Union immediately by  calling 770-424-0060. 

16.1 

Definition.  “Unauthorized  use”  means  any  use  by  a  person  who  is  not  an  authorized  signer  on  the  Account,  was  not 
expressly  or  impliedly  authorized  by  such  a  person,  and  from  which  such  a  person  derives  no  benefit.  “Unauthorized 
use”  excludes  any  transaction  conducted  by:  (i)  a  Company  co-owner;  (ii)  the  Cardholder  or  any  person  authorized 
by  the  Cardholder,  including  a  person  to  whom  the  Cardholder  gave  the  Card  or  Card  number,  even  if  the  person 
exceeds  or  violates  your  instructions;  or  (iii)  any  other  person  with  an  interest  in  or  authority  to  transact  business  on 
the Account.  You agree to tell us what you know about the unauthorized use and assist us in our investigation. 

16.2 

Liability.    Unless   otherwise   required   by   law   and   subject   to   VISA   International   Operating   Regulations, Company 
has unlimited liability for unauthorized use of the Account or any Card. 

17.0  

FINANCIAL  AND  CREDIT INFORMATION. 

17.1 

17.2 

Financial  Statements.  If  the  Credit  Union  asks,  you  agree  to  furnish  a  current  financial  statement  or  to  update  the 
Card application from time to time. 

Credit  Reports.  You  authorize  the  Credit  Union  to  make  whatever  credit  inquiries  or  investigations  about  you  that 
the  Credit  Union  deems  appropriate.  This  includes  obtaining  your  consumer  report  from  time  to  time.    The  Credit 
Union may  disclose  to others,  such as  credit bureaus, merchants and other financial  institutions, information about  the 
Account and  your performance under this  Agreement,  subject to applicable law. 

18.0  

CLOSING  THE  ACCOUNT. 

18.1 

18.2 

By  you.  You  may  close  the  Account  at  any  time  by  notifying  the  Credit  Union  in  writing  at  the  address  shown  on 
your  monthly  statement.  You  must  return  all  Cards  with  your  notice.  However,  you  remain  responsible  to  pay  the 
amounts you owe us according to the terms of this Agreement. 

By  the  Credit  Union.  The  Credit  Union  may  close  or  suspend  a  Card  or  the  Account  at  any  time  without  cause  and 
without  prior  notice,  subject  to  applicable  law,  or  reissue  a  different  Card  at  any  time.  Upon  closure  (whether  by  you 
or the Credit Union), your right to use the Card and to make Charges to the Account will be automatically revoked. 

19.0    GOVERNING  LAW/CONFLICTING  TERMS.  The  Account  will  be  governed  b y   U . S .    federal    law    and,    to    the  extent    not 
preempted,  the  laws  of  the  state  of  Georgia,  even  if  you  use  the  Account  outside    of    Georgia    or    the    U.S.    The  terms    of    this 
Agreement  supersede  any  conflicting  terms  set  forth  on  a  sales  slip  or  credit  card  draft.   If any part of this Agreement is found to  be 
unenforceable, the remainder of the Agreement will remain in full force and effect. 

20.0       SECURITY INTEREST.    Non-Purchase-Money Security Interests” Payments on your Account are secured by any security interest in  any 
property securing your other obligations to the Credit Union, whether existing now or in the future, except your household goods and your  primary 
residence. “Purchase-Money Security Interests” You hereby grant Credit Union security interest in all property purchased/acquired by  you  or  any 
authorized  user  pursuant  to  the  use  of  this  Account,  including  a  purchase-money  security  interest  in  any  household  goods 
purchased/acquired with an extension of credit upon this Account.   These Purchase-Money Security Interests shall secure faithful performance  of all 
obligations arising under this Agreement; and the Credit Union shall have all of the rights of a secured party in accordance with Article Nine  of the 
Uniform Commercial Code and/or other applicable law.  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 may also secure your obligations under this Agreement, unless that other collateral is your principal 
residence or non-purchase money household goods. 

21.0  CHANGING THIS AGREEMENT.  We may  amend this Agreement from  time to time, including the addition of entirely new  provisions, 
by  sending  such  notice  as  may  be  required  by  law.    Notice  may  be  sent  to  Company  at  the  last  address  shown  in  our  records  for  the 
Account.  Unless  we  state  otherwise,  balances  existing  on  the  effective  date  of  any  amendment,  as  well  as  future  activity,  will  be  subject 
to the terms of the amended Agreement to the extent permitted by law. 

Revised 11/1/15 

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22.0            SALE  OF  ACCOUNT.    We  may  sell,  securitize,  encumber  or  otherwise  transfer  the  Account,  Cards  and  any  interest  in  them  to 
any party without your knowledge or consent, from time to time. 

23.0         OTHER  FEATURES.   We may,  from  time to  time,  offer you  other  features on  the  Cards.   These  may be  effectuated by a notice 
of change in terms under Section 22 above or by a separate contract or amendment to this Agreement, at our option. 

Revised 11/1/15 

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