«RETURN1» 
«RETURN2» 

«ADDRESS2»«ADDRESS1»  
«ADDRESS3» 
«ADDRESS4» 
«ADDRESS5» 
«ADDRESS6» 
«POSTNET» 

«BARCODE» 

Dear Cardholder: Your new Card is 
enclosed. The Terms governing the use  
of this account are printed on the reverse 
side of this form or are enclosed. These 
Terms may be amended or supplemented 
by separate notices to you, including any 
notices you have previously received  
from us. The Disclosures required by 
federal law are set forth below or are 
enclosed, and we are also enclosing a 
separate statement containing important 
information regarding your rights to 
dispute billing errors. Keep these forms  
so you can refer to them if you have any 
questions regarding your account. 

CREDIT LIMIT: «CREDIT»«CREDIT2»«CREDIT3»«CREDIT4» 
ISSUED BY: «ISSUEDBY» 

                Cards                       Account number 
«ACCT»

DISCLOSURES REQUIRED BY FEDERAL LAW 

1. FINANCE CHARGES: 
a)Calculation Methods - Cash Advance:  «LINE1A»             Credit Purchases:  «LINE1B»   
   (See reverse side for calculation method descriptions). 
b) Periodic Rates used  to compute FINANCE CHARGES- 
Cash Advances:  «LINE3A»  % per month  Credit Purchases:  «LINE3B»  % per month  
Corresponding ANNUAL PERCENTAGE RATES- 

Cash Advance: «LINE5A» % Credit Purchases: «LINE5B» % 

c) For Cash Advances obtained Over the Counter equal to or greater than  $  «LINE6»  a  
FINANCE CHARGE equal to the greater of $  «LINE7A»  or  «LINE7B»  % of  the cash  
advance will be imposed; however this charge will not exceed $  «LINE8A»  for  each Over 
the Counter Cash Advance. For Cash Advances obtained at an Automated Teller Machine 
(ATM) equal to or greater than $  «LINE10A»  a FINANCE CHARGE equal To the greater  
of    $«LINE11A» or  «LINE11B»% of the cash advance will be imposed; 
however this charge will not exceed $«LINE12»  for each ATM Cash Advance. A transaction  
fee may also be imposed by an ATM operator, not holding your account, or by any national, regional  
or local network used to complete a Cash Advance transaction. 
2. OVER LIMIT CHARGES: Cardholder shall immediately pay the amount by which the total 
New Balance exceeds the maximum authorized credit. An Over Limit Charge equal to 
the greater of $«LINE13A» ,or  «LINE13B»  % of the Amount over limit, shall be imposed, 
not to exceed $«LINE14A»  (For California accounts see, Sec. 9). 
3. ANNUAL FEE: 
a) A non-refundable Annual Fee of $  «LINE1C»  plus applicable taxes, shall be charged to  
your account, or - 
b) Using Plan  «LINE2»  (see Sec. 11) An Annual Fee/FINANCE CHARGE OF $  «LINE3C»  
plus applicable taxes shall be charged unless, for the time period analyzed, you charged more than  
$  «LINE4»  or had more than  «LINE5C»   transactions on your card. 
4. MINIMUM PAYMENT: 
a) The minimum payment required is the New Balance shown on your statement if the 
amount is equal to or less than $  «LINE8B»   
b) If the New Balance exceeds $  «LINE9»  the minimum payment is  «LINE10B»  % of that  
portion of the New Balance which does not exceed your credit limit (rounded up to the  
nearest dollar), or $«LINE11C»  , whichever is greater, plus the entire portion of the New  
Balance in excess of your credit limit, plus any amount past due. 

5. LATE CHARGES: If the minimum required payment is not received within 
«LINE13C»  days after the Closing Date subsequent to the payment Due Date, a late  
charge equal to the greater of $  «LINE14B»  , or  «LINE14C»  % of the unpaid portion 
of the past due amount is imposed, but not to exceed $  «LINE15».   
6. The only FINANCE CHARGES assessed on your account other than those assessed by 
a  periodic  rate,  will  be  transaction  FINANCE  CHARGES  in  connection  with  Cash 
Advances, or International Transaction Fees (i.e. cross-border and/or currency conversion 
fees) of up to 1%, which may qualify as a FINANCE CHARGE (see item O. on back), if part 
of your plan.  Transactions FINANCE CHARGES for each Cash Advance will be imposed 
on  the  date  the  Cash  Advance  was  posted  to  your  account.    No  grace  period  applies  on 
any transaction FINANCE CHARGE imposed for Cash Advances. 
7.  Documentary  stamp  taxes  as  may  be  required  by  law  shall  be  imposed  on  each  Cash 
Advance at the time the loan is made. 
8. The annual fee shall be treated as a Credit Purchase for purposes of calculating  
FINANCE CHARGES, unless prohibited by law. 
9. In California a maximum of $10 in Over Limit Fees may be imposed with respect to any  
charge that causes the outstanding balance to exceed the credit limit by $500 or 120  
percent, whichever is less. No more than one over limit charge may be assessed within a  
single monthly billing cycle. 
10. If you have other loans or credit extensions from Issuer, or take out other loans or credit 
extensions with Issuer in the future, collateral securing those loans or credit extensions will 
also  secure  your  obligations  under  this  agreement.  However,  unless  you  expressly  agree 
otherwise,  your  household  goods  and  dwelling  will  not  secure  your  obligations  under  this 
agreement even if Issuer has, or later acquires, a security interest in the household goods 
or  a  mortgage  on  the  dwelling.  If  you  have  executed  a  written  agreement  granting  a 
security  interest  in  any  deposit  accounts  (checking,  savings,  or  share  accounts)  or  other 
funds held by Issuer to secure your obligations under this credit card plan, such accounts 
and/or  funds  are  additional  security  for  your  obligations  to  Issuer  arising  from  the  use  of 
your Card. 
11. Annual Fee Plans: Your Annual Fee waiver analysis, under the Plan noted in Section 
3.b,  only  includes  the  following  transactions:  Plan  1:  Gross  Sales;  Plan  2:  Gross  Cash 
Advances; Plan 3: Net Sales; Plan 4: Net Cash Advances; Plan 5: Gross Sales plus Gross 
Cash  Advance;  Plan  6:  Net  Sales  plus  Net  Cash  Advances  (Note:  Time  period  analyzed 
shall be prior 12 month period; however, initial time period may be less than 12 months as 
it begins on the date you were notified of this program. Annual Fees shall not be waived for 
cardholders in default).

SEE REVERSE SIDE FOR MORE IMPORTANT DISCLOSURES.                     NOTICE: See separate statement for important information regarding your rights to dispute billing errors.

*SIGN SIGNATURE PANEL ON THE BACK OF CARD(S) IMMEDIATELY. CARDS(S) MUST BE SIGNED TO BE VALID. 
*DESTROY OLD CARD(S) NOW. 
*SAVE YOUR SALES SLIPS FOR COMPARISON WITH YOUR MONTHLY STATEMENT. 

LOST OR STOLEN CARD CALL (727) 570-4881. 

IMPORTANT NOTICES 

«URL» 
«URL2» 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
                                                                                                                                                                                                                
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
PERIODIC FINANCE CHARGE CALCULATION METHODS 
The periodic Finance Charge Calculation Method applicable to your account for Cash Advances and Credit purchases of goods and services that you obtain through the use of your Card is specified  
in Section 1 on the Disclosure on the reverse side and explained below: 
   Method A - Average Daily Balance (including current transactions).  The Finance Charge on purchases begins from the date the transaction is posted to your account and the Finance Charge on  
cash advances begins from the date you obtained the cash advance, or the first day of the billing cycle in which it is posted to your account, whichever is later.  There is no grace period.   
   The Finance Charges for a billing cycle are computed by applying the monthly Periodic Rate to the "average daily balance" of your account.  To get the average daily balance, we take the 
beginning balance of your account each day, add any new purchases or cash advances, and subtract any payments, credits, non-accruing fees, and unpaid finance charges.  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. 
   Method E - Average Daily Balance (excluding current transactions).  To avoid incurring an additional Finance Charge on the balance of purchases (and cash advances if Method E is specified as  
applicable to cash advances) reflected on your monthly statement, you must pay the New Balance shown on your monthly statement on or before the Payment Due Date.  The grace period for the  
New Balance of purchases extends to the Payment Due Date. 
   The Finance Charges for a billing cycle are computed by applying the monthly Periodic Rate to the "average daily balance" of purchases (and if applicable, cash advances).  To get the average 
daily balance, we take the beginning balance of your account each day and subtract any payments, credits, non-accruing fees, and unpaid finance charges. We do not add in new purchases or cash  
advances.  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.  
   Method F - Average Daily Balance (including current transactions).  To avoid incurring an additional Finance Charge on the beginning balance of cash advances (and purchases, if Method F is  
specified as applicable to purchases) reflected on your monthly statement, you must pay the Beginning Balance shown on your monthly statement on or before the Payment Due Date. No grace  
period is provided for current cycle transactions. 
   The Finance Charges for a billing cycle are computed by applying the monthly Periodic Rate to the "average daily balance" of cash advances (and if applicable, purchases).  To get the average 
daily balance, we take the beginning balance of your account each day, add any new purchases or cash advances, and subtract any payments, credits, non-accruing fees, and unpaid finance 
charges . 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.  
   Method G - Average Daily Balance (including current transactions).  To avoid incurring an additional Finance Charge on the balance of purchases (and cash advances, if Method G is specified as  
applicable to cash advances) reflected on your monthly statement and, on any new purchases (and if applicable, cash advances) appearing on your next monthly statement, you must pay the New  
Balance, shown on your monthly statement, on or before the Payment Due Date.  The grace period for the New Balance of purchases extends to the Payment Due Date.   
   The Finance Charges for a billing cycle are computed by applying the monthly Periodic Rate to the "average daily balance" of purchases (and if applicable, cash advances).  To get the average 
daily balance, we take the beginning balance of your account each day, add any new purchases or cash advances, and subtract any payments, credits, non-accruing fees, and unpaid finance 
charges. 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. 

TERMS GOVERNING THE USE OF YOUR CARD 

   The person ("Cardholder") whose name is embossed on the face of the VISA ("Card") enclosed herewith, and each Cardholder, in the event more than one Card is enclosed herewith bearing the  
same account number, by signing or  using said Card, receipt of which is acknowledged, agrees with the Issuer of the Card whose name is printed on the reverse ("Issuer") as follows 
  A. Goods and services ("Credit Purchases") may be purchased or leased by means of such card by Cardholder from any retail Business establishment ("seller") who honors same upon the 
execution of a sales slip evidencing such Credit  Purchases and bearing the account number of Cardholder embossed on the face of such Card. Additionally, VISA Cash Advances ("Loans") may be 
obtained through use of such Card (a) upon execution of a written request of Cardholder in a form furnished to Cardholder from any financial institution that is a member, alone or in association with 
others, of VISA U.S.A. Inc. and (b) upon execution of a written separate agreement with Issuer for a VISA overdraft financing agreement if offered by Issuer. 
  B. Cardholder shall be liable and agrees to pay Issuer for Credit Purchases made by, or for Loans extended to, Cardholder or anyone else using such Card unless the use of such Card is by a  
person other than the Cardholder (a) who  does not have actual,  implied or apparent authority for such use, and (b) from which Cardholder receives no benefit. Additionally, Cardholder shall be 
jointly and severally liable and agrees to pay for all Credit Purchases and Loans  obtained through the use of any other Card bearing Cardholder's account number that has been issued to another 
person by reason of such person being a member of Cardholder's family, or otherwise issued upon Cardholder's request  (all such Cards bearing the VISA account number hereinafter collectively 
called ("Related Cards"). 
  C. Cardholder agrees to pay to Issuer an annual membership fee (as stated in the Disclosures on the reverse) for participation in the Issuer's credit card plan. Such annual membership fee shall be  
imposed whether or not Cardholder uses the card to obtain credit purchases and loans. The membership fee shall be charged to Cardholder's account each year in the month of Issuer's choice. The  
membership fee is not refundable in the event of termination of the  account by either Cardholder or Issuer unless otherwise provided for by law. 
  D. Each Card is the property of Issuer, is not transferable and must be surrendered upon demand. It can be canceled as well as repossessed by Issuer or its designee, and the privileges thereof  
revoked, at any time without prior notice. 
  E. Cardholder shall not use the Card or permit the use of Related Cards to obtain Credit Purchases or Loans, which will increase Cardholder's indebtedness to Issuer to an amount in excess of the  
limit established by Issuer. 
  F. All Credit Purchases and Loans are effected at the option of the Seller and Cash Advancing Financial Institution respectively, and Issuer shall not be responsible for refusal by any Seller or Cash  
Advancing Financial Institution to honor the Card or any Related Card. Any refund, adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to Issuer which shall be  
shown as a credit on Cardholder's account statement with Issuer. 
  G. Issuer will send to Cardholder, at monthly intervals determined by 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 Cardholder and all holders of Related Card unless Issuer is notified to the contrary in writing within 60 days of mailing of such statement. Cardholder will pay such  
statement by remitting to Issuer within 25 days of the closing date reflected on the statement either the full amount billed or, at Cardholder's option, an installment equal to at least the required  
minimum payment stated in Section 4 on the reverse. 
  H. Interest on Loans and Credit Purchases will be charged in accordance with the finance charge calculation method referred to in Section 1 of the disclosures on the reverse side.  The rate of  
interest shall be established by Issuer  from time to time, but shall never exceed the maximum rate permitted by law. The current interest rate per annum is the Annual Percentage Rate set forth in  
Section 1 of the Disclosures on the reverse side. 
  I. If the card is canceled or surrender is demanded by Issuer, or if Cardholder defaults in any payment due, or is deceased, bankrupt or insolvent, or any attachment or garnishment proceedings are  
initiated against Cardholder or his  property, Issuer may elect to declare all amounts then owed to Issuer to be immediately due and payable without notice or demand of any kind. If Cardholder has  
other loans from Issuer, or takes out other loans with Issuer in the future, collateral securing those loans will also secure the Cardholder's obligations under this agreement. However, unless the  
Cardholder expressly agrees otherwise, the Cardholder's household goods and dwelling will not secure Cardholder’s obligations under this agreement even if Issuer has or later acquires a security  
interest in the household goods or a mortgage on the dwelling. Cardholder agrees to pay all costs incurred by Issuer in collecting Cardholder’s indebtedness or in enforcing this agreement, including  
reasonable attorney's fees and also those costs, expenses and attorney's fees incurred in appellate, bankruptcy and post-judgement proceedings, except to the extent such costs,  fees or expenses  
are prohibited by law.  
  J. This agreement may be amended from time to time by Issuer by written notice mailed to Cardholder at Cardholder's last known address. 
  K. Except to the extent that Federal law is applicable, the validity, construction and enforcement of this agreement and all matter's arising out of the issuance and use of the Card shall be governed  
by the laws of the state in which the principal office of Issuer is located. 
  L. Additional charges, plus applicable taxes, may also be assessed if you pay us with a check not honored by your financial institution, request a copy of a document, request a replacement card or  
use your card for a transaction at an  automated teller machine, if such charges are not prohibited by law or regulation. No finance Charge will be assessed on such additional charges. 
M. If it is believed that the Card has been lost or stolen or used in an unauthorized manner, the Cardholder shall contact Issuer AT ONCE, in order to minimize possible losses. In most cases, the 
Cardholder will not be liable for any unauthorized transactions unless it is determined that the Cardholder was grossly negligent or fraudulent in the handling of the Card. Notification can be made 
orally or in writing at:    

Credit Card Security Department          Telephone Number 
P.O. Box 30035                                      (727) 570-4881 
Tampa, Florida 33630 

  N. Cardholder agrees that Issuer, its agents or service companies may monitor and/or record any telephone communications with Cardholder. 
  O. Payments must be made to the Issuer in U.S. dollars drawn on a U.S. Financial Institution.  If Cardholder incurs charges in any other currency, the charges will be converted into U.S. dollars.  
The exchange rate for transactions in a foreign currency will be a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, 
which rate may vary from the rate Visa itself receives, or the government mandated rate in effect for the applicable central processing date. All transactions in foreign countries will be subject to a 1% 
conversion or processing fee. 
  P. Issuer shall have sole discretion in how payments are applied to cardholder's account. Issuer may accept checks marked "Payment in Full" or with words of similar effect without losing any of  
Issuer's rights to collect the full balance of Cardholder's account. 
  Q. Issuer can reinvestigate and reevaluate any information Cardholder provided on Cardholder's credit application at any time, and in the course of doing so, Issuer may ask Cardholder for 
additional information, request credit bureau reports and/or otherwise verify Cardholder's current credit standing. 
  R. Cardholder agrees that Issuer may re-release information to others, such as credit bureaus, regarding the status and history of Cardholder's account, However, Issuer is not obligated to release  
any such information to anyone unless Issuer is required by law to do so. 
  S. Cardholder agrees that Cardholder's account shall be subject to all applicable rules and regulations of VISA U.S.A. Inc., as applicable, as well as all applicable laws. If there is any conflict  
between the p
transaction(s). 

isions of this Agreement  and the rules and regulations of VISA U.S.A. Inc. the rules and regulations of VISA U.S.A. Inc. shall control. Your Visa Card may not be used for any illegal  

rov

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ISSUED ON:  «PDATE» 

04/08/08 
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VISA Platinum Preferred, VISA Platinum Rewards, VISA Classic and VISA Secured Credit Cards Application and 
Solicitation Disclosure. Please keep this with all your loan documents. Annual Percentage Rates and other related 
information for each card is shown below.   

BayPort Credit Union 
3711 Huntington Avenue 
Newport News, VA. 23607 

Interest Rates and Interest Charges 
Annual Percentage 
Rates 
(APR) for Purchases 

8.99% - 12.49% when you open your account, based on your creditworthiness. 

VISA Platinum Preferred 

VISA Platinum Rewards 

APR for Balance 
Transfer 

9.50% - 12.99% when you open your account, based on your creditworthiness. 

VISA Classic 
12.99% - 17.49% when you open your account, based on your creditworthiness. 

             Your actual rate will be disclosed when you open your account. 

14.99% When you open your account. 

VISA Secured 

VISA Platinum Preferred 

*4.99% Introductory rate good for 6 months from new account opening. Balance transfers 
must be processed within 30 days of account opening to qualify for the introductory rate. 

8.99% - 12.49% Based on your creditworthiness. 

VISA Platinum Rewards 

*4.99% Introductory rate good for 6 months from new account opening. Balance transfers 
must be processed within 30 days of account opening to qualify for the introductory rate. 

9.50% - 12.99% Based on your creditworthiness 

VISA Classic 

*4.99% Introductory rate good for 6 months from new account opening. Balance transfers 
must be processed within 30 days of account opening to qualify for the introductory rate 

12.99% - 17.49% Based on your creditworthiness 

VISA Secured 

14.99% When you open your account. 

APR for Cash Advances 

VISA Platinum Preferred 

8.99% - 12.49% Based on your creditworthiness 

VISA Platinum Rewards 

9.50% - 12.99%  Based on your creditworthiness 

12.99% - 17.49%  Based on your creditworthiness 

VISA Classic 

VISA Secured 

14.99%- When you open your account.  

N/A 

Your due date is at least 25 days after the close of each billing cycle. We will not charge you 
any interest on purchases if you pay the entire balance by the due date of each month. We 
will begin charging interest on cash advances and balance transfers on the date of the 
transaction. 
None 

To learn more about factors to consider when applying for or using a credit card, visit the 
website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard 

Penalty APR and When it 
Applies 
Paying Interest – 
applicable to all of the 
above mentioned credit 
cards 
Minimum Interest Charge 
– applicable to all of the 
above mentioned credit 
cards 
For Credit Card Tips 
from the Federal Reserve 
Board 

SEE NEXT PAGE for more information about your account 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
                
 
 
 
 
 
Fees -  Applicable to all of the credit cards listed in this disclosure 
Annual Fee 
Transaction fees 

None 

Foreign Transactions 
Penalty Fees 

1% of each transaction in U. S. dollars. 

Late Payment fee 

Up to $20.00 fee assessed if payment is not received 5 days after statement closing 

Return Payment 

Up to $20.00 Non-sufficient funds or items returned for uncollected funds regardless of 
reason. 

Other Fees  
Applies to Visa Secured Card 
Only 

$20.00 fee when account is closed within 60 days of opening date. 

How we calculated your balance: We use a method called “average daily balance (including new purchases).”See your 
account agreement for more details. 

*Loss of Introductory APR on Balance Transfers: If your minimum monthly payment is not received by the statement 
closing date, the APR for Balance Transfers will revert back to the standard rate based on your creditworthiness. Offer not 
valid on existing accounts or accounts associated with existing accounts and cannot be combined with any other offer. 

Effective Date:   The information about costs of the card described in this application is accurate as of 
October 01, 2011. This information may have changed after that date. To find out what may have changed, contact the 
credit union at 757-928-8850 or 1-800-928-8801.