THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR
THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT.
YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITYINTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVEWITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OFCREDIT EXTENDED UNDER THIS AGREEMENT. YOU ALSO AGREETHAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATEAND/OR FEDERAL LAW. IF YOU ARE IN DEFAULT, WE CAN APPLYYOUR SHARES TO THE AMOUNT YOU OWE.Shares and deposits in an Individual Retirement Account or any otheraccount that would lose special tax treatment under state or federal law ifgiven are not subject to this security interest.If you have other loans with us, collateral securing such loans will alsosecure your obligations under this Agreement, unless that other collateralis your principal residence or non-purchase money household goods.VISA LINE OF CREDIT AGREEMENT
How to Calculate the Interest Charge: The Interest Charge is calculated at the Annual Percentage Rate disclosed on your Truth- in-Lending Statement(or as amended from time to time) on the average daily balance of purchaseand cash advances you make, and any debit adjustments the credit unionmakes, during the billing cycle. The daily balances are totaled, and divided bythe number of days in the billing cycle to produce separate average dailybalances for purchases, cash advances, and balance transfers to which theperiodic rate is then applied. If your card has a grace period for purchases orbalance transfers and you pay the full amount of the New Balance ofPurchases or New Balance of Balance Transfers within that grace period, theamount for the applicable type of balance will not be added to the averagedaily balance. For Purchases, Cash Advances, or Balance Transfers with nograce period, interest charges will continue to accrue until the date ofpayment. For Purchases or Balance Transfers with a grace period, interestcharges will continue to accrue until the date of the billing cycle preceding thedate on which the entire New Balance is paid in full, if paid within the graceperiod; otherwise, interest charges will continue to accrue until the date ofpayment.

Cross Collateral: If you have other loans with us, or take out other loans withus in the future, collateral securing those loans will also secure yourobligations under this agreement. However, unless you expressly agreeotherwise, no dwelling secures your obligation under this agreement.

FEES AND CHARGES: You agree to pay any and all fees that you incur inconnection with your Card, in accordance with applicable law, in the amountsset forth on your Truth-in-Lending Statement, which fees and amounts may beamended from time to time.

MONTHLY PAYMENTS: Each payment you make on the account will restoreyour credit limit by the amount of the payment which is applied to the principalamount of purchases and cash advances. At any time your total new balanceexceeds your credit limit, you must immediately pay the amount over yourcredit limit. 

A PAYMENT IS REQUIRED EACH MONTH; therefore, you must pay at leastthe minimum payment shown on your statement by the date specified on yourmonthly statement. You can repay any outstanding balance prior to maturity inwhole or in part at your option without penalty.
Your monthly payment mustbe made directly to:
page 1 of 3The purpose of this agreement is to establish the terms and conditions of yourcredit card agreement with McCoy Federal Credit Union. In this agreement,the words "you" and "your" mean any person receiving and using the card andthat by using the card for the first time "you" agree to all terms and conditionsin this agreement. "Card" means a VISA credit card and any duplicates andrenewals the Credit Union issues. "Account" means your VISA credit card lineof credit account with the Credit Union. "Credit Union," "we," "us," and "our"mean McCoy Federal Credit Union. You must be a member of the CreditUnion to apply for a credit card. 
Except to the extent that Federal Law is applicable, the validity, constructionand enforcement of this agreement and all matters arising out of the issuanceand use of the Card shall be governed by the laws of the State of Florida. 

USING THE ACCOUNT/CREDIT LIMIT:  Upon your approval for an account, the Credit Union will establish a line of credit for you. Notification of your limitwill be made when the card is sent to you. You agree not to let your accountbalance exceed your approved credit limit. Any transaction that would result inexceeding your credit limit will be declined.

RESPONSIBILITY: You promise to pay any and all charges incurred by youor any person whom you authorize to use the Credit Card issued to you, andany fees or charges incurred in the recovery of a credit card, retrieval oftransaction data or collection of this account in accordance with the terms andconditions issued by VISA International, Inc., and in accordance with thepolicies established by the Credit Union.Your obligation to pay the amount owed on your account continues until paidin full even though an agreement, divorce decree or other court judgement towhich the Credit Union is not a party may direct someone else to pay theaccount balance. 

JOINT ACCOUNT: If more than one person applies for the card each isindividually responsible for all amounts owed on the account and are jointlyand severally responsible for all amounts owed. This means the Credit Unioncan enforce this agreement against any of you individually or all of youtogether. Each may obtain credit advances without the knowledge of the otherand both are obligated to repay all advances made to the account.You agree to notify the Credit Union of any address change. 

USING THE CARD: You may use the card issued to you to make purchasesin person, and by mail or telephone from merchants and others who acceptVISA cards. You may also obtain cash advances from the Credit Union, fromother financial institutions participating in the VISA program and fromautomated teller machines (ATM's), that provide access to the VISA system.Your VISA Personal Identification Number (PIN) is needed to obtain a  cashadvance from an ATM.

INTEREST CHARGES: The monthly periodic rate assessed on your accountis based on an Annual Percentage Rate corresponding to the type of cardaccount and your Beacon credit score. Your Annual Percentage Rate isvariable and will increase or decrease if the Prime Rate as published in theWall Street Journal ("Index") increases or decreases. We figure the InterestCharge by applying a periodic rate, which corresponds to the AnnualPercentage Rate, to the Average Daily Balance. The Average Daily Balance isdetermined as follows: For Purchases: The "Average Daily Balance" forPurchases is determined by adding all the outstanding advance balances andbilled but unpaid interest charges for each calendar day of the billing period,and then subtracting all payments, credits and cash advances for the billingperiod in which they were made, and then dividing the total by the number ofdays in that billing period. For Cash Advances: Each daily balance of CashAdvances is determined by adding to the outstanding unpaid balance of CashAdvances at the beginning of the billing cycle any new Cash Advances postedto your account, and subtracting any payments as received or credits asposted to your account, but excluding any unpaid Interest Charges. Theperiodic rate and corresponding Annual Percentage Rate for each type of cardaccount is shown on your Truth-in-Lending Statement.

Grace Periods: You can avoid interest charges on purchases and balancetransfers by paying the full amount of the New Balance of Purchases or NewBalance of Balance Transfers each month within 25 days of your statementclosing date ("Grace Period"). There is no time period within which to pay toavoid an interest charge on cash advances and interest will accrue from thedate they are posted to your account. 

LASER ML FI12489 Rev 11-2015 COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.McCoy Federal Credit Union
	 	 	(credit card remittance statement required)
P .O. Box 96099Charlotte, NC 28296-0099
OR	McCoy Federal Credit Union
	 	 	P .O. Box 593806	Orlando, FL 32859- 3806	 	The minimum periodic payment required is disclosed on your Truth-in-LendingStatement. 
 
CREDIT BALANCES: If there is a credit balance due, you may request it. DEFAULT: You will be in default under this agreement if you fail to make anyminimum payment or other required payment by the date that it is due. Youwill be in default if you break any promise you make under this agreement.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 ifany attachment or garnishment proceedings are initiated against you or yourproperty. You will be in default if you default on any other indebtedness to theCredit Union. You will be in default if you make any false or misleadingstatement in any credit application or credit update. You will also be in defaultif something happens which the Credit Union believes may substantiallyreduce your ability to repay what you owe. When you are in default, the CreditUnion has the right to demand immediate payment of your full accountbalance without notice. If immediate payment is demanded, you will continueto pay Interest Charges, at the periodic rate charged before default, until whatyou owe has been paid, and any shares that were given as security will beapplied towards what you owe. You agree to pay reasonable  collectionexpenses, including card recovery fees, attorney fees, court costs,  and/orcollection agency fees and costs. If you are head of household, in the event ofdefault, you grant us permission to garnish head of family earnings inaccordance with Florida law if collection proceedings are brought against you.No failure or delay by the Credit Union in exercising any rights, powers, andremedies under this agreement of provided by law shall be deemed a waiverthereof. 
RESTRICTION ON CASH ADVANCES : Your outstanding cash advance balance may not exceed 50% of your Credit Limit. We may refuse a cashadvance if it would cause the cash advance balance to exceed this amount.CREDIT INFORMATION: You understand that the Credit Union will reviewyour accounts periodically, and you hereby give your permission to andauthorize the Credit Union to investigate and reassess your creditworthiness.You authorize the Credit Union to obtain information concerning your credithistory from all available sources now  and in the future. You authorize theCredit Union to disclose information regarding your account to credit bureausand creditors who inquire about your credit standing.  

IF YOUR CARD IS LOST OR STOLEN OR IF ANY UNAUTHORIZED USEOCCURS: You agree to notify us immediately if your Card is ever lost orstolen or if an unauthorized use may have occurred. "Unauthorized use"means the use of the Card by someone other than you who does not haveactual, implied or apparent authority for such use, and from which you receiveno benefit. The telephone number to call is 1-800-449-7728. You agree tofollow up your call with notice in writing to us at: McCoy Federal Credit Union,P.O. Box 31552, Tampa, FL 33631-3552. You also agree to assist us indetermining the facts, circumstances and other pertinent information relatingto any loss, theft or possible unauthorized use of your Card and comply withsuch procedures as we may require in connection with our investigation. Youwill be liable for any unauthorized use only if we can prove that you weregrossly negligent in your use or handling of your Card, or if we can prove thatyou used the card fraudulently. 

PLAN MERCHANT DISPUTES: We are not responsible for the refusal of anyplan merchant or financial institution to honor your card. Also, we are notresponsible for goods or services you purchase with the card unless (a) yourpurchase was made in response to an advertisement we sent or participatedin sending you; (b) your purchase cost $50.00 or more and was made from aplan merchant in your state or within 100 miles of your home; and you havemade a good faith attempt, but have been unable to obtain satisfaction fromthe plan merchant. You must resolve all other disputes directly with the planmerchant.CHANGING OR TERMINATING YOUR ACCOUNT:  You agree that the Credit Union may change the terms of this agreement from time to time as permittedby applicable law after giving you any advance notice required by law at yourlast known address. Your use of the card after receiving notice of a changewill also indicate your agreement to the change, unless applicable lawrequires otherwise.You may request an increase in your credit limit either by written applicationor by phone. 
The Credit Union has the right to reduce or terminate your credit limit at anytime. You understand and acknowledge that such action shall not affect yourobligation to pay any outstanding balance PLUS any interest and othercharges you owe under this agreement. Accounts that have been inactive forone (1) year may be subject to termination at the renewal date, subject toapplicable law.
The card(s) you receive remain the property of the Credit Union and you mustrecover and surrender to the Credit Union ALL cards upon request or upontermination of this agreement whether by you or the Credit Union.
RETURNS AND ADJUSTMENTS: Merchants who honor your card will giveyou credit for returns or adjustments by sending us a credit slip which we shallpost to your Plan. If your credits and payments exceed what you owe us, wewill hold this credit balance against future purchases or refund it to your shareaccount upon your written request (if it is $1.00 or more).

FOREIGN TRANSACTIONS: The exchange rate for international transactionswill be a rate selected by VISA from the range of rates available in wholesalecurrency markets, which may vary from the rate VISA itself receives, or thegovernment-mandated rate in effect for the applicable central processing date,plus an amount determined by us and disclosed on your Truth-in-LendingStatement. 

EFFECT OF AGREEMENT/WAIVER : This agreement is the contract which applies to all transactions on your account even though the sales, cashadvances, credit or other slips you sign or receive may contain different terms.The Credit Union can delay enforcing any of its rights any number of timeswithout losing them. Each provision of this agreement must be considered aspart of the total agreement and cannot in any way be severed from it.However, you also agree that should any part of this agreement be foundinvalid, it will in no way affect the remainder of the agreement.  

STATEMENT AND NOTICES: You will receive a statement each monthshowing transactions on your account. You are responsible for your minimummonthly payment even in the event your statement is late or returned to theCredit Union. Statements and notices will be mailed to you at the most recentaddress you have given the Credit Union. Notice to any one of you will beconsidered notice to all.

PERSONAL IDENTIFICATION NUMBER(PIN) : We will furnish you with a Personal Identification Number (PIN). You agree to keep the PIN secret. Youalso agree you won't write the PIN on the Card or anything you keep with thecard. Your use of the PIN and card in getting a cash advance or making apurchase is agreed to constitute your signature for purposes of suchtransaction.  
You may use your McCoy Federal Credit Union VISA Card to conduct anytransaction or obtain any credit union service permitted by law. You agree thatthe use of the VISA Card to obtain a service or effect a transaction that isillegal under the law of any jurisdiction where originated, effected oraccomplished will be a default and breach of this agreement. McCoy FederalCredit Union may terminate the access to the service or withdraw  the right touse the VISA Card and/or demand the return of all VISA Cards or otheraccess devices issued to you. If illegal use of your VISA Card occurs, youwaive the right to sue McCoy Federal Credit Union, and agree to indemnifyand hold McCoy Federal Credit Union harmless from any suits or other legalaction or liability which may be asserted, directly or indirectly, again McCoyFederal Credit Union arising out of or resulting from your illegal use of theVISA Card. 

NOTICE TO UTAH BORROWERS: This written agreement is a finalexpression of the agreement between you and the Credit Union. This writtenagreement may not be contradicted by evidence of any oral agreement. 

page 2 of 3VISA LINE OF CREDIT AGREEMENT
 YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE
page 3 of 31.2.3.This notice tells you about your rights and our responsibilities under theFair Credit Billing Act.What To Do If You Find A Mistake On Your StatementIf you think there is an error on your statement, write to us at the address(es)listed on your statement.In your letter, give us the following information:
Within 60 days after the error appeared on your statement.At least 3 business days before an automated payment is scheduled, ifyou want to stop payment on the amount you think is wrong.��You must contact us:You must notify us of any potential errors in writing. You may call us, but if youdo, we are not required to investigate any potential errors and you may haveto pay the amount in question.What Will Happen After We Receive Your LetterWhen we receive your letter, we must do two things:Within 30 days of receiving your letter, we must tell you that we receivedyour letter. We will also tell you if we have already corrected the error.Within 90 days of receiving your letter, we must either correct the error orexplain to you why we believe the bill is correct.1.2.����We cannot try to collect the amount in question, or report you asdelinquent on that amount.The charge in question may remain on your statement, and we maycontinue to charge you interest on that amount.While you do not have to pay the amount in question, you are responsiblefor the remainder of your balance.We can apply any unpaid amount against your credit limit. If all of the criteria above are met and you are still dissatisfied with thepurchase, contact us in writing at the address(es) listed on your statement.While we investigate, the same rules apply to the disputed amount asdiscussed above. After we finish our investigation, we will tell you ourdecision. At that point, if we think you owe an amount and you do not pay, wemay report you as delinquent.If you receive our explanation but still believe your bill is wrong, you must writeto us within 10 days telling us that you still refuse to pay. If you do so, wecannot report you as delinquent without also reporting that you arequestioning your bill. We must tell you the name of anyone to whom wereported you as delinquent, and we must let those organizations know whenthe matter has been settled between us.If we do not follow all of the rules above, you do not have to pay the first $50of the amount you question even if your bill is correct.Your Rights If You Are Dissatisfied With Your Credit Card PurchasesIf you are dissatisfied with the goods or services that you have purchased withyour credit card, and you have tried in good faith to correct the problem withthe merchant, you may have the right not to pay the remaining amount due onthe purchase.To use this right, all of the following must be true:If we made a mistake: You will not have to pay the amount in question orany interest or other fees related to that amount.If we do not believe there was a mistake: You will have to pay the amountin question, along with applicable interest and fees. We will send you astatement of the amount you owe and the date payment is due. We maythen report you as delinquent if you do not pay the amount we think youowe.��After we finish our investigation, one of two things will happen:
The purchase must have been made in your home state or within 100miles of your current mailing address, and the purchase price must havebeen more than $50. (Note: Neither of these are necessary if yourpurchase was based on an advertisement we mailed to you, or if we ownthe company that sold you the goods or services.)You must have used your credit card for the purchase. Purchases madewith cash advances from an ATM or with a check that accesses yourcredit card account do not qualify.You must not yet have fully paid for the purchase.1.2.3.While we investigate whether or not there has been an error:Your name and account number.The dollar amount of the suspected error.If you think there is an error on your bill, describe what you believe iswrong and why you believe it is a mistake.