M-123302
M-100310 

M-123302

M-100310 

M-123302

1st Advantage Federal Credit Union 
VISA Platinum Credit Card Agreement 

In this Agreement the words “you” and “your” mean each and all of those who apply for the card or who sign this Agreement, “Card” means the VISA Platinum Card and 
duplicates and renewals we issue. Everyone who receives, signs, or uses a card issued under this Agreement must be a member of the Credit Union. “Account” means your 
VISA Platinum Credit Card Line of Credit Account with us. “We,” “us,” and “issuer” mean this Credit Union (or Credit Union Designee). 

1st Advantage Federal Credit Union 
VISA Platinum Credit Card Agreement 

1.  Responsibility: If we issue a card, you agree to repay all debts, related fees, and the Finance Charge arising from the use of the card and the card account. For example, you are 
In this Agreement the words “you” and “your” mean each and all of those who apply for the card or who sign this Agreement, “Card” means the VISA Platinum Card and 
responsible for charges made by yourself, your spouse, and minor children. You are also responsible for charges made by anyone else to whom you give the card. Your obligation to pay the 
duplicates and renewals we issue. Everyone who receives, signs, or uses a card issued under this Agreement must be a member of the Credit Union. “Account” means your 
account balance continues even though an agreement, divorce decree or judgment to which we are not a party may direct you or one of the other persons responsible to pay the account. Any 
person using the card is jointly responsible with you for charges he or she makes, but if that person signs the card he or she becomes a party to this Agreement and is also jointly responsible for 
VISA Platinum Credit Card Line of Credit Account with us. “We,” “us,” and “issuer” mean this Credit Union (or Credit Union Designee). 
all charges on the account, including yours. 
1.  Responsibility: If we issue a card, you agree to repay all debts, related fees, and the Finance Charge arising from the use of the card and the card account. For example, you are 
2.  Credit Line: If we approve your application, we will establish a self-replenishing Line of Credit for you and notify you of its account when we issue the card. You agree not to let the 
responsible for charges made by yourself, your spouse, and minor children. You are also responsible for charges made by anyone else to whom you give the card. Your obligation to pay the 
account balance continues even though an agreement, divorce decree or judgment to which we are not a party may direct you or one of the other persons responsible to pay the account. Any 
account balance exceed this approved Credit Line. Each payment you make on the account will restore your Credit Line by the amount of the payment which is applied to the principal. You 
person using the card is jointly responsible with you for charges he or she makes, but if that person signs the card he or she becomes a party to this Agreement and is also jointly responsible for 
may request an increase in your Credit Line only by written application to us, which must be approved by our Loan Team. By giving you written notice, our Loan Team may reduce your Credit 
all charges on the account, including yours. 
Line from time to time, or with good cause, revoke your card and terminate this Agreement. Good  cause includes your failure to comply with this Agreement or our adverse reevaluation of 
your credit worthiness. You may also terminate this Agreement at any time; termination by either of us does not affect your obligation to pay the account balance. The cards remain our property 
2.  Credit Line: If we approve your application, we will establish a self-replenishing Line of Credit for you and notify you of its account when we issue the card. You agree not to let the 
and you must recover and surrender to us all cards upon request and upon termination of this Agreement. 
account balance exceed this approved Credit Line. Each payment you make on the account will restore your Credit Line by the amount of the payment which is applied to the principal. You 
3.  Using the Card: Any financial service provided by 1st Advantage Federal Credit Union may be used for any transaction permitted by law. You agree that illegal use of any financial service 
may request an increase in your Credit Line only by written application to us, which must be approved by our Loan Team. By giving you written notice, our Loan Team may reduce your Credit 
Line from time to time, or with good cause, revoke your card and terminate this Agreement. Good  cause includes your failure to comply with this Agreement or our adverse reevaluation of 
will be deemed an action of default and/or breach of contract and such service and/or other related services may be terminated at 1st Advantage Federal Credit Union’s discretion. You further 
agree, should illegal use occur, to waive the right to sue 1st Advantage Federal Credit Union for such illegal activity directly or indirectly related to it. You also agree to indemnify and hold 1st 
your credit worthiness. You may also terminate this Agreement at any time; termination by either of us does not affect your obligation to pay the account balance. The cards remain our property 
Advantage Federal Credit Union harmless from any suits or other legal action or liability directly or indirectly resulting from such illegal use.  To make a purchase or cash advance, present the 
and you must recover and surrender to us all cards upon request and upon termination of this Agreement. 
card to a participating VISA plan merchant, to us or to another financial institution and sign the cash advance voucher which will be imprinted with your card. You will receive a copy of the 
3.  Using the Card: Any financial service provided by 1st Advantage Federal Credit Union may be used for any transaction permitted by law. You agree that illegal use of any financial service 
voucher, which you should retain to verify your monthly statement. We reserve the right to make a reasonable charge for each photostatic copy you may request. 
will be deemed an action of default and/or breach of contract and such service and/or other related services may be terminated at 1st Advantage Federal Credit Union’s discretion. You further 
4.  Foreign Transaction Fee (FTF):  Purchases and cash withdrawals made in foreign currencies will be debited from your account in U.S. dollars. The exchange rate used to convert foreign 
agree, should illegal use occur, to waive the right to sue 1st Advantage Federal Credit Union for such illegal activity directly or indirectly related to it. You also agree to indemnify and hold 1st 
Advantage Federal Credit Union harmless from any suits or other legal action or liability directly or indirectly resulting from such illegal use.  To make a purchase or cash advance, present the 
currency transactions to U.S. dollars is either a government-mandated exchange rate or a wholesale exchange rate and is selected by Visa. The rate Visa uses for a particular transaction is the 
card to a participating VISA plan merchant, to us or to another financial institution and sign the cash advance voucher which will be imprinted with your card. You will receive a copy of the 
rate Visa selects for the applicable currency on the day the transaction is processed. This rate may differ from the rate applicable on the date the transaction occurred or was posted to your 
voucher, which you should retain to verify your monthly statement. We reserve the right to make a reasonable charge for each photostatic copy you may request. 
account. A fee of up to 1% will be charged on all transactions completed outside of the United States, where the cardholder’s country code differs from the merchant’s country code. A fee of 
5.  Finance Charge: In order to avoid a finance charge on purchases made since your last statement date, you must pay the Total new Balance shown on your statement within 25 days of 
up to 1% will be charged on all transactions completed in a foreign currency. All fees are calculated based on the transaction amount after it is converted to U.S. dollars. These fees are charged 
the statement closing date. Otherwise, finance charge on purchases will be calculated from the beginning of the next statement period on previously billed but unpaid purchases from the 
4.  Foreign Transaction Fee (FTF):  Purchases and cash withdrawals made in foreign currencies will be debited from your account in U.S. dollars. The exchange rate used to convert foreign 
except where excluded. 
date they are posted to your account. Cash advances are always subject to finance charge from the date of the transaction. The FInAnCE ChArgE (ANNUAL PERCENTAGE RATE) is 
currency transactions to U.S. dollars is either a government-mandated exchange rate or a wholesale exchange rate and is selected by Visa. The rate Visa uses for a particular transaction is the 
5.       FINANCE  CHARGE:    In  order  to  avoid  a  finance  charge  on  purchases  made  since  your  last  statement  date,  you  must  pay  the  Total  new  Balance  shown  on  your 
rate Visa selects for the applicable currency on the day the transaction is processed. This rate may differ from the rate applicable on the date the transaction occurred or was posted to your 
account. A fee of up to 1% will be charged on all transactions completed outside of the United States, where the cardholder’s country code differs from the merchant’s country code. A fee of 
statement   within   25   days   of   the   statement   closing   date.     Otherwise,   finance   charges   on   purchases   will   be   calculated   from   the   beginning   of   the   next   statement  
5.  Finance Charge: In order to avoid a finance charge on purchases made since your last statement date, you must pay the Total new Balance shown on your statement within 25 days of 
up to 1% will be charged on all transactions completed in a foreign currency. All fees are calculated based on the transaction amount after it is converted to U.S. dollars. These fees are charged 
period on  previously  billed  but  unpaid  purchases  from  the  date  they  are  posted  to  your  account.     Cash  advances  are  always  subject  to  finance  charges  from  the  date  
the statement closing date. Otherwise, finance charge on purchases will be calculated from the beginning of the next statement period on previously billed but unpaid purchases from the 
July 1, and October 1. The FInAnCE ChArgE  will be applied to the average principal daily balances of purchase and cash advances of your account. If the index increases or decreases, the 
except where excluded. 
of  the transaction.    Your  Interest  rate  is  based  on  certain  credit-worthiness  criteria,  and  may  be  reviewed  annually  based  on  credit  history.    The Finance Charge (ANNUAL 
date they are posted to your account. Cash advances are always subject to finance charge from the date of the transaction. The FInAnCE ChArgE (ANNUAL PERCENTAGE RATE) is 
ANNUAL PERCENTAGE RATE and monthly periodic rate will increase and decrease for all existing balances on each January 1, April 1, July 1, and October 1. Because your minimum 
(the “spread”) to the Prime rate  (the “index”) in effect on the first business day of the month immediately preceding January 1, April 1, 
5.       FINANCE  CHARGE:    In  order  to  avoid  a  finance  charge  on  purchases  made  since  your  last  statement  date,  you  must  pay  the  Total  new  Balance  shown  on  your 
payment remains the same, any increase in the ANNUAL PERCENTAGE RATE will increase the number of your payments, but will not increase the amount of your payments. We figure 
statement   within   25   days   of   the   statement   closing   date.     Otherwise,   finance   charges   on   purchases   will   be   calculated   from   the   beginning   of   the   next   statement  
the FInAnCE ChArgE  on your account by applying the periodic rate to the “average daily balance” of your account (including current transactions). To get the “average daily balance” we 
period on  previously  billed  but  unpaid  purchases  from  the  date  they  are  posted  to  your  account.     Cash  advances  are  always  subject  to  finance  charges  from  the  date  
Charge will be applied to the average principal daily balances of purchase and cash advances of your account.  The index will be reviewed and adjusted quarterly.  If the index increases 
take the beginning balance of your account each day, add any new purchases and cash advances, excluding unpaid finance charges, and subtract any payments or credits. This gives us the 
July 1, and October 1. The FInAnCE ChArgE  will be applied to the average principal daily balances of purchase and cash advances of your account. If the index increases or decreases, the 
or decreases, the ANNUAL PERCENTAGE RATE and monthly periodic rate will increase and decrease for an existing balance (fixed rate balances prior to variable rate conversion 
of  the transaction.    Your  Interest  rate  is  based  on  certain  credit-worthiness  criteria,  and  may  be  reviewed  annually  based  on  credit  history.    The Finance Charge (ANNUAL 
ANNUAL PERCENTAGE RATE and monthly periodic rate will increase and decrease for all existing balances on each January 1, April 1, July 1, and October 1. Because your minimum 
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.” 
(the “spread”) to the Prime rate  (the “index”) in effect on the first business day of the month immediately preceding January 1, April 1, 
are grandfathered from index increases and decreases).  We figure the Finance Charge on your account by applying the monthly periodic rate to the “average daily balance” of your 
payment remains the same, any increase in the ANNUAL PERCENTAGE RATE will increase the number of your payments, but will not increase the amount of your payments. We figure 
account  (including  current  transactions).   To  get  the  “average  daily  balance”  we  take  the  beginning  balance  of  your  account  each  day,  add  any  new  purchases  and  cash  advances, 
the FInAnCE ChArgE  on your account by applying the periodic rate to the “average daily balance” of your account (including current transactions). To get the “average daily balance” we 
excluding unpaid finance charges, and subtract any payments or credits.  This gives us the daily balance.  Then we add up all the daily balances for the billing cycle and divide the total by 
Charge will be applied to the average principal daily balances of purchase and cash advances of your account.  The index will be reviewed and adjusted quarterly.  If the index increases 
take the beginning balance of your account each day, add any new purchases and cash advances, excluding unpaid finance charges, and subtract any payments or credits. This gives us the 
the number of days in the billing cycle.  This gives us the “average daily balance.” 
or decreases, the ANNUAL PERCENTAGE RATE and monthly periodic rate will increase and decrease for an existing balance (fixed rate balances prior to variable rate conversion 
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.” 
6.   Fees: 
are grandfathered from index increases and decreases).  We figure the Finance Charge on your account by applying the monthly periodic rate to the “average daily balance” of your 
account  (including  current  transactions).   To  get  the  “average  daily  balance”  we  take  the  beginning  balance  of  your  account  each  day,  add  any  new  purchases  and  cash  advances, 
excluding unpaid finance charges, and subtract any payments or credits.  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.” 
6.   Fees: 
7.  NO USE: Inactive Visa accounts that have no purchase or cash activity may be closed without notice to you after 18 months of no activity. 

calculated by adding 4.5%-14.5% (the “spread”) to the Prime rate (the “index”) in effect on the first business day of the month immediately preceding January 1, April 1, 
PERCENTAGE  RATE)  is  calculated  by  adding  4.5%-14.5% (the  “spread”)  to  the  Prime  rate  (the  “index”)  in  effect  at  the time of  the  review.  The  Finance 

PERCENTAGE  RATE)  is  calculated  by  adding  4.5%-14.5% (the  “spread”)  to  the  Prime  rate  (the  “index”)  in  effect  at  the time of  the  review.  The  Finance 

calculated by adding 4.5%-14.5% (the “spread”) to the Prime rate (the “index”) in effect on the first business day of the month immediately preceding January 1, April 1, 

1. $5.00 per card - replacement of card fee on Lost/Stolen or damaged card. 
2. $25.00 - Return Check fee for a check returned for nonpayment on your VISA account. 
3. $25.00 - Late Payment fee 10 days after due date. 
4. 1% of Amount after Conversion - Foreign Transaction Fee. 

1. $5.00 per card - replacement of card fee on Lost/Stolen or damaged card. 
2. $25.00 - Return Check fee for a check returned for nonpayment on your VISA account. 
3. $25.00 - Late Payment fee 10 days after due date. 
4. 1% of Amount after Conversion - Foreign Transaction Fee. 

8.  Monthly: Issuer will send to Cardholder, at monthly intervals determined by the Issuer, a statement reflecting for the prior monthly period all Visa Card and related Card transactions. Such 
statement shall be deemed correct and accepted by the Cardholder and all holders of related Cards unless Issuer is notified to the contract in writing within 60 days of mailing such statement. 
Each month you must pay at least the minimum payment shown on your statement within 25 days of the statement closing date. This Line of Credit will be repaid as follows: either the full 
7.  NO USE: Inactive Visa accounts that have no purchase or cash activity may be closed without notice to you after 18 months of no activity. 
amount billed shall be paid or at your option an installment equal to at least the required minimum balance billed. The required minimum monthly payment shall be the greater of (a) $25.00 
(b) 3% of that portion of the outstanding balance that does not exceed your credit limit, plus any amount due. 
8.  Monthly: Issuer will send to Cardholder, at monthly intervals determined by the Issuer, a statement reflecting for the prior monthly period all Visa Card and related Card transactions. Such 
8a.  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. 
statement shall be deemed correct and accepted by the Cardholder and all holders of related Cards unless Issuer is notified to the contract in writing within 60 days of mailing such statement. 
Each month you must pay at least the minimum payment shown on your statement within 25 days of the statement closing date. This Line of Credit will be repaid as follows: either the full 
9.  Security Interest: 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 
amount billed shall be paid or at your option an installment equal to at least the required minimum balance billed. The required minimum monthly payment shall be the greater of (a) $25.00 
the future, except your household goods and your primary residence. Further, you hereby grant Credit Union security interest in all property purchased through this credit 
(b) 3% of that portion of the outstanding balance that does not exceed your credit limit, plus any amount due. 
plan, including a purchase-money security interest in any household goods purchased with an extension of credit upon this account. Also, you hereby grant Credit Union a pledge 
8a.  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. 
of all shares and any other deposits which you have or may have in the future with the Credit Union, except for any deposit in an IRA or Keogh account. These 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 the Virginia 
9.  Security Interest: 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 
Commercial Code and other applicable law. 
the future, except your household goods and your primary residence. Further, you hereby grant Credit Union security interest in all property purchased through this credit 
10.  Default: You will be in default if: (a) you fail to pay the Minimum Payment Due by the Payment Due Date: (b) if the Credit Union, in good faith, believes your ability to pay your account 
plan, including a purchase-money security interest in any household goods purchased with an extension of credit upon this account. Also, you hereby grant Credit Union a pledge 
of all shares and any other deposits which you have or may have in the future with the Credit Union, except for any deposit in an IRA or Keogh account. These security interests 
is impaired: (c) your ability to repay is materially reduced by a change in your employment, by an increase in your obligations, by bankruptcy or insolvency proceedings involving you, by 
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 the Virginia 
your death, or (for community property state residents only) by a change in marital status or domicile: (d) you exceed your credit limit without our permission: (e) you have made a false or 
Commercial Code and other applicable law. 
misleading statement to us in your application or otherwise: (f) you are in default under any other agreement with us: or (g) you fail to perform any of your other obligations under the terms 
11.  Interest Rate Adjustment (Default Rate): 1st Advantage Federal Credit Union will adjust the interest rate on your account whenever your account is two (2) Minimum Payments past 
of this Agreement as it may be amended. Upon default we may close your Account to future purchases and advances and, to the extent not prohibited by governing  Law, demand immediate 
due during any six (6) month period. We will change your interest rate (including any promotional rate) to a fixed rate of 17.95% ANNUAL PERCENTAGE RATE, which is a monthly 
10.  Default: You will be in default if: (a) you fail to pay the Minimum Payment Due by the Payment Due Date: (b) if the Credit Union, in good faith, believes your ability to pay your account 
payment of your entire Account balance, after giving you any notice and opportunity to cure the default if required by applicable law. 
periodic rate of .04918%, on the first day of the billing cycle following that has two (2) Minimum Payments past due. After twelve (12) consecutive billing cycles of your account being paid 
is impaired: (c) your ability to repay is materially reduced by a change in your employment, by an increase in your obligations, by bankruptcy or insolvency proceedings involving you, by 
pursuant to the terms of your agreements with the Credit Union, we will change the interest rate to the rate that is then applicable to your account, which will become effective on the first day of 
11.  Interest Rate Adjustment (Default Rate): 1st Advantage Federal Credit Union will adjust the interest rate on your account whenever your account is two (2) Minimum Payments 
your death, or (for community property state residents only) by a change in marital status or domicile: (d) you exceed your credit limit without our permission: (e) you have made a false or 
the billing cycle following the twelfth consecutive billing cycle. 
past due during any six (6) month period. We will change your interest rate (including any promotional rate) to a fixed rate of 17.95% ANNUAL PERCENTAGE RATE, which is a 
misleading statement to us in your application or otherwise: (f) you are in default under any other agreement with us: or (g) you fail to perform any of your other obligations under the terms 
11.  Interest Rate Adjustment (Default Rate): 1st Advantage Federal Credit Union will adjust the interest rate on your account whenever your account is two (2) Minimum Payments past 
of this Agreement as it may be amended. Upon default we may close your Account to future purchases and advances and, to the extent not prohibited by governing  Law, demand immediate 
monthly periodic rate of 1.49583%, on the first day of the billing cycle following that has two (2) Minimum Payments past due. After twelve (12) consecutive billing cycles of your account 
due during any six (6) month period. We will change your interest rate (including any promotional rate) to a fixed rate of 17.95% ANNUAL PERCENTAGE RATE, which is a monthly 
being paid pursuant to the terms of your agreements with the Credit Union, we will change the interest rate to the rate that is then applicable to your account, which will become effective on 
payment of your entire Account balance, after giving you any notice and opportunity to cure the default if required by applicable law. 
periodic rate of .04918%, on the first day of the billing cycle following that has two (2) Minimum Payments past due. After twelve (12) consecutive billing cycles of your account being paid 
the first day of the billing cycle following the twelfth consecutive billing cycle. 
pursuant to the terms of your agreements with the Credit Union, we will change the interest rate to the rate that is then applicable to your account, which will become effective on the first day of 
11.  Interest Rate Adjustment (Default Rate): 1st Advantage Federal Credit Union will adjust the interest rate on your account whenever your account is two (2) Minimum Payments 
the billing cycle following the twelfth consecutive billing cycle. 
12.  Member Liability: You agree to notify us immediately, orally or in writing, at 1st Advantage FCU, Box 2116, Newport News, VA 23609-0116 (800-359-7650 or 757-877-2444) of the 
past due during any six (6) month period. We will change your interest rate (including any promotional rate) to a fixed rate of 17.95% ANNUAL PERCENTAGE RATE, which is a 
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 
monthly periodic rate of 1.49583%, on the first day of the billing cycle following that has two (2) Minimum Payments past due. After twelve (12) consecutive billing cycles of your account 
the loss, theft, or possible unauthorized use. In any case your liability will not exceed $50 for unauthorized cash advances at ATMs. You will have no liability for unauthorized purchases made 
being paid pursuant to the terms of your agreements with the Credit Union, we will change the interest rate to the rate that is then applicable to your account, which will become effective on 
with your credit card. If you report your card Lost/Stolen, it is your responsibility to destroy any remaining cards with that number. If you find the Lost/Stolen card you should destroy the card 
the first day of the billing cycle following the twelfth consecutive billing cycle. 
and notify the Credit Union (or Credit Union Designee). If you see the card and it is recovered by an authorized VISA merchant (because it appears on the revoked Card List or the VISA 
12.  Member Liability: You agree to notify us immediately, orally or in writing, at 1st Advantage FCU, Box 2116, Newport News, VA 23609-0116 (800-359-7650 or 757-877-2444) of the 
Center tells the merchant to pick up card) then you will be liable for any fees or rewards resulting from your unauthorized use of the card. 
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 
13.  Collection Costs: You agree to pay all costs incurred by the Credit Union in collecting any amounts you owe or in enforcing or protecting the Credit Union rights under this Agreement, 
the loss, theft, or possible unauthorized use. In any case your liability will not exceed $50 for unauthorized cash advances at ATMs. You will have no liability for unauthorized purchases made 
with your credit card. If you report your card Lost/Stolen, it is your responsibility to destroy any remaining cards with that number. If you find the Lost/Stolen card you should destroy the card 
including attorney’s fees and also those costs, expenses and attorney’s fees incurred in any appellate, bankruptcy and post-judgment proceedings, except as limited or prohibited by applicable law. 
and notify the Credit Union (or Credit Union Designee). If you see the card and it is recovered by an authorized VISA merchant (because it appears on the revoked Card List or the VISA 
Center tells the merchant to pick up card) then you will be liable for any fees or rewards resulting from your unauthorized use of the card. 

13.  Collection Costs: You agree to pay all costs incurred by the Credit Union in collecting any amounts you owe or in enforcing or protecting the Credit Union rights under this Agreement, 
including attorney’s fees and also those costs, expenses and attorney’s fees incurred in any appellate, bankruptcy and post-judgment proceedings, except as limited or prohibited by applicable law. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
14.  Effect of Agreement: This Agreement is the contract which applies to all transactions on your account even though the sales, cash advance or credit slips you sign may contain different 
terms. We may amend this Agreement from time to time by sending you the advance written notice required by law. Your use of the card thereafter will indicate your agreement to the 
amendments. To the extent the law permits and we indicate in our notice, amendments will apply to your existing account balance as well as to future transactions. 

15.  Military Lending Act (MLA):  Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In 
general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as 
applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any 
application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a 
credit card account).  To obtain an oral disclosure, please call 800-359-7650. 

Additional Terms of Visa® Agreement 

To the extent not prohibited by applicable law, the terms, interpretation and enforcement of any claim or dispute arising under this Agreement, as well as all parties’ 
rights and duties, will be governed by Virginia law regardless where you may reside or use your account. Further, this Agreement is the contract which governs 
all transactions on your Account even though sales, cash advances, credit or other slips may contain different terms. You may not transfer or assign your Account 
or Card to any other person. The Credit Union may assign or transfer this Account, your Account balance, or this Agreement to another person, who will have 
all of our rights hereunder. This Agreement is binding on your heirs and legal representatives. If there are joint obligors or authorized users for this credit plan, 
each of you will have the right to use the Account to obtain loans pursuant to the terms hereof. Each of you will be liable for all obligations owing on the Account 
whether borrowed by you or otherwise and whether within or beyond the credit limit. Your liability will be joint and several. Either party has the right to cancel 
this Agreement. Further, each of you are responsible for all amounts borrowed by any authorized users and other users may also be required to repay the amount 
owed for charges they make; however, you remain, at all times, primarily responsible for all amounts owed. All Cards, billing statements and notices will be mailed 
or delivered to the address given on the application for either applicant unless you direct otherwise in writing. If any law or judicial ruling makes any provision of 
this Agreement unenforceable, the other provisions will remain in full force and effect. You agree that your Account will also be subject to all rules and regulations of 
VISA U.S.A., Inc. as applicable. If there is any conflict between this Agreement and the rules and regulations of VISA U.S.A., Inc., the rules and regulations of VISA 
U.S.A., Inc., will control. 

Limitations of Lawsuits. You agree that any lawsuit based on a cause of action against us must be filed within one year from the date it arises, or you shall be barred 
from filing any lawsuit. This limitation includes tort, contract and all other causes of action for which you and we may lawfully contract to limit as set forth in this 
Agreement. 

YOUR BILLING RIGHTS 
KEEP THIS  NOTICE FOR FUTURE USE 

 This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.  Notify  us in case of errors or questions about your bill. 

If you think your bill is wrong, or if you need more information about a transaction on your bill, write us on a separate sheet at the following address and send to Customer 
Service, PO Box 31112, Tampa, FL 33631-3112, or call at 1-800-654-7728. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the 
first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. 

In your letter, give us the  following information: 
•    Your name and account number. 
•    The dollar amount of the suspected error. 
•    Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the Item you are not sure about. 
Your Rights and Our Responsibilities After We Receive Your Written Notice 
We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the 
bill was correct. 
•    After we receive your letter, we cannot try to collect any amount you question, or report you as a delinquent. We can continue to bill you for the amount you question, 

including finance charges, and we can apply an unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you 
are still obligated to pay the parts of your bill that are not in question. 

•     If  we  find  that  we  made  a  mistake  on  your  bill,  you  will  not  have  to  pay  any  finance  charges  related  to  any  questioned  amount.  If  we  didn’t  make  a  mistake,  you  may 
have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you 
owe and the date that it is due. 

•     If  you  fail  to  pay  the  amount  that  we  think  you  owe,  we  may  report  you  as  delinquent.  However,  if  our  explanation  does  not  satisfy  you  and  you  write  to  us  within  ten 
days telling  us  that  you  still  refuse  to  pay,  we  must  tell  anyone  we  report  you  to  that  you  have  a  question  about  your  bill. And,  we  must  tell  you  the  name  of  anyone  we 
reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is. 

•    If we do not follow these rules, we cannot collect the first $50 of the questioned amount, even if your bill was correct. Furthermore, the Credit Union has no liability for 

any tort or related claims arising from such purchases. 

Special Rule for Credit Card Purchases 
If you have a problem with the quality of property or services that you purchased with a 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 property or services. There are two 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.  These limitations 
do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. 

9/17