ISSUED BY MEMBERS FIRST CREDIT UNION OF FL 
DISCLOSURES REQUIRED BY FEDERAL LAW 

VISA PLATINUM – WITH ANNUAL FEE  
1. FINANCE CHARGES:  
a)  Calculation  Methods  -  Cash  Advance:  A,  Credit  Purchases:  G  (See  reverse  side  for 
calculation method descriptions). 
 b) Periodic Rates used to compute FINANCE CHARGES- Cash Advances: .908% per month. 
Credit  Purchases:  .908%  per  month  Corresponding  ANNUAL  PERCENTAGE  RATES-  Cash 
Advance: 10.9%, Credit Purchases: 10.9%  
2.  OVER  LIMIT  CHARGES:  Cardholder  shall  immediately  pay  the  amount  by  which  the 
total  New  Balance  exceeds  the  maximum  authorized  credit.  No  Over  Limit  Charge  will  be 
charged (For California accounts see, Sec. 9).  
3. ANNUAL FEE: $12.00 
 a)  A  non-refundable  Annual  Fee  of  $12.00  plus  applicable  taxes,  shall  be  charged  to  your 
account, or - 
 b)  Using  Plan  0  (see  Sec.  11)  An  Annual  Fee/FINANCE  CHARGE  of  $.00  plus  applicable 
taxes shall be charged unless, for the time period analyzed, you charged more than $.00 or 
had more than 0 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 $20.00. 
 b)  If  the  New  Balance  exceeds  $20.00  the  minimum  payment  is  2.00%  of  that  portion  of 
the New Balance which does not exceed your credit limit (rounded up to the nearest dollar), 
or $20.00, 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 10 days after 
the Closing Date subsequent to the payment Due Date, you will be charged a late payment 
fee of $27. If you are late more than once in a six month period, the late payment fee will 
go up to $37. If you make on time payments for six months, it will return to $27. 
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  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 Q . on back), if part of your plan.  
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  is  additional  security  for  your  obligations  to  Issuer  arising  from  the  use  of 

 
 
 
your  Card.  ANY  SECURITY  INTEREST  OR  CROSS-COLLATERALIZATION  RIGHTS 
THAT  WOULD  OTHERWISE  APPLY  PURSUANT  TO  THIS  PARAGRAPH  SHALL  NOT 
APPLY  TO  THE  EXTENT  PROHIBITED  BY  ANY  APPLICABLE  LAW  OR  REGULATION, 
INCLUDING,  WITHOUT  LIMITATION,  THE  MILITARY  LENDING  ACT  OR  ITS 
IMPLEMENTING REGULATIONS. 
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).  

VISA PLATINUM – WITH NO ANNUAL FEE  
1. FINANCE CHARGES:  
a) Calculation Methods - Cash Advance: A, Credit Purchases: G (See reverse side for 
calculation method descriptions). 
 b) Periodic Rates used to compute FINANCE CHARGES- Cash Advances: 1.075% per 
month. Credit Purchases: 1.075% per month Corresponding ANNUAL PERCENTAGE RATES- 
Cash Advance: 12.9%, Credit Purchases: 12.9%  
2. OVER LIMIT CHARGES: Cardholder shall immediately pay the amount by which the 
total New Balance exceeds the maximum authorized credit. No Over Limit Charge will be 
charged (For California accounts see, Sec. 9).  
3. ANNUAL FEE: $0.00 
 a) A non-refundable Annual Fee of $0.00 plus applicable taxes, shall be charged to your 
account, or - 
 b) Using Plan 0 (see Sec. 11) An Annual Fee/FINANCE CHARGE of $.00 plus applicable 
taxes shall be charged unless, for the time period analyzed, you charged more than $.00 or 
had more than 0 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 $20.00. 
 b) If the New Balance exceeds $20.00 the minimum payment is 2.00% of that portion of 
the New Balance which does not exceed your credit limit (rounded up to the nearest dollar), 
or $20.00, 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 10 days after 
the Closing Date subsequent to the payment Due Date, you will be charged a late payment 
fee of $27. If you are late more than once in a six month period, the late payment fee will 
go up to $37. If you make on time payments for six months, it will return to $27. 
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 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 Q . on back), if part of your plan.  
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 is additional security for your obligations to Issuer arising from the use of 
your Card. ANY SECURITY INTEREST OR CROSS-COLLATERALIZATION RIGHTS 
THAT WOULD OTHERWISE APPLY PURSUANT TO THIS PARAGRAPH SHALL NOT 
APPLY TO THE EXTENT PROHIBITED BY ANY APPLICABLE LAW OR REGULATION, 
INCLUDING, WITHOUT LIMITATION, THE MILITARY LENDING ACT OR ITS 
IMPLEMENTING REGULATIONS. 
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).  

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  affected  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. You will be in default if you fail to make any minimum payment or other required 
payment by the date that it is due. You will be in default if you break any promise 
you make  under  this  Agreement  or  any  other  agreement  with  Issuer.  You  will  be 
in default if you die, file for bankruptcy or become insolvent, that is, unable to pay 
your  obligations  when  they  become  due.  You  will  be  in  default  if  you  make  any 
false or misleading statements in any credit application or credit update. You will 
also  be  in  default  if  something  happens  that  Issuer  believes  may  substantially 
reduce your ability to repay what you owe. When you are in default, Issuer has the 
right  to  demand  immediate  payment  of  your  full  Account  balance  without  giving 
you  notice.  If  immediate  payment  is  demanded,  you  agree  to  continue  paying 
finance charges as described in this Agreement until what you owe has been paid, 
and  any  shares,  deposits  and  other  funds  on  deposit  with  Issuer  that  were  given 
as security for your Account may be applied towards what you owe.  
J.  Except  as  to  any  Collateral  you  now  use  or  are  purchasing  to  use  as  your 
principal  dwelling  or  household  goods,  this  Collateral  will  also  secure  any  other 
debts  you  owe  us  now  or  in  the  future,  including  any  extension,  modification  or 
future  advances  of  or  under  your  agreements  with  us.  Likewise,  with  the 
exceptions  noted,  all  other  collateral  you  pledge  to  us  for  your  other  obligations 
will  also secure your obligations herein. You also give us a  security  interest in  all 
of  your  deposits  with  us,  now  or  in  the  future.  Your  consensual  pledge  of  shares 
includes all individual and multiple party accounts in which you have any interest, 
regardless of contributions.  

 
 
K.  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-judgment  proceedings,  except  to  the  extent  such  costs,  fees  or 
expenses are prohibited by law.  
L. This agreement may be amended from time to time by Issuer by written notice mailed to 
Cardholder at Cardholder's last known address.  
M.  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.  
N.  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.  
O. 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  
P.O. Box 30035  
Tampa, Florida 33630  
Telephone Number (727) 570-4881  
P.  Cardholder  agrees  that  Issuer,  its  agents  or  service  companies  may  monitor  and/or 
record any telephone communications with Cardholder.  
Q.  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  conversion  or  processing  fee 
up to 1% of the transaction.  
R.  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.  
S.  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.  

 
 
T.  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. 
U. Visa Account Updater (VAU) – VAU is an account updating service in which your card 
is  automatically  enrolled.  When  your  card(s)  expire,  are  lost  or  stolen  and  new  cards  are 
issued,  the  service  may  update  relevant  card  data  (card  numbers  and  expiration  dates)  to 
appropriate  merchants  who  participate in  an  effort  to  facilitate  uninterrupted  processing  of 
your recurring charges. This service provides updates to a Visa database only. The database 
is  accessed  by  those  qualified  merchants  seeking  your  account  information  after  you  have 
requested they process a recurring payment or payments. This service is provided as a free 
benefit  to  you.  If  at  any  time  you  wish  to  opt-out  of  the  VAU  service  or  if  you  have  any 
questions, please call (850) 434-2211 to do so. 
V.  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  provisions  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 transaction(s).