M-900535Visa Signature� 
Credit Card 
Agreement and 
Disclosures 2GREENVILLE FEDERAL CREDIT UNION
Visa� Signature
Important Information About Your Credit Card Account
How We Will Calculate Your Balance:  We will use a method called �average daily 
balance (including new purchases�). See your account agreement for more details.
Minimum Payment Due:  If by the payment due date you do not pay your balance 
in full, you agree to pay at least the minimum billed payment amount of 2% 
of the New Balance (rounded up to the next whole dollar) or $20, whichever is 
greater. Should your New Balance be less than $20, you agree to pay the New 
Balance in full by the payment due date.
*The Annual Percentage Rate  can change on a quarterly basis. The rate is 
determined by using an independent Index�the Wall Street Journal Prime Rate 
(when a range of rates has been published, the highest rate will be used)�and 
to the Index is added a margin of 7.990% . The Index used will be the Prime Rate 
as of the 15th day of January, April, July, and October; and your rate can change 
with each monthly statement cut-off in March, June, September, and December.Interest Rates and Interest Charges
ANNUAL PERCENTAGE 
RATE* (APR) FOR 
PURCHASES, BALANCE 
TRANSFERS, AND CASH 
ADVANCES11.240%*  as of 09/01/2021; your 
rate can vary quarterly based on changes 
in the Prime Rate as described below.
Paying InterestYour 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 your entire balance by the due date 
each month. We begin charging interest on 
cash advances and balance transfers on the 
transaction date.
For Credit Card Tips from 
the Consumer Financial 
Protection BureauTo learn more about factors to consider 
when applying for or using a credit card, 
visit the website of the Consumer Financial 
Protection Bureau at: http://www.
consumerfinance.gov/learnmore
Fees
Annual Fee None
Transaction FeesCash Advances and 
Balance Transfers 
NoneCard Replacement
$5.00
Rush Replacement
$50.00
Paper Statement
$2.00Research and Copy
$25/hour,  
$1.00 per page
Penalty FeesLate Payment Fee: $20
Returned Payment Fee: $37.50
The credit union will acquire a security interest in the property 
purchased with your credit card and collateral securing other loans 
with us may also secure this account. Also, you are giving us a security 
interest in your shares and other deposits in the credit union. 3The information about the costs of the Visa card described in this disclosure 
is accurate as of the printing date and subject to change. To find out what 
may have changed, call us at 800.336.6309 or 864.235.6309 during 
business hours or visit online at www.greenvillefcu.com  or write to us at  
1501 Wade Hampton Blvd., Greenville, SC 29609.
THIS IS YOUR AGREEMENT AND DISCLOSURE STATEMENT WITH GREENVILLE 
FEDERAL CREDIT UNION. PLEASE READ IT CAREFULLY AND KEEP IT FOR 
YOUR RECORDS. IT SUPERSEDES ALL PRIOR AGREEMENTS AND DISCLOSURE 
STATEMENTS RELATING TO YOUR ACCOUNT. YOU DO NOT HAVE TO SIGN THIS 
AGREEMENT. YOUR AGREEMENT TO ALL OF THESE PROVISIONS, AS AMENDED 
FROM TIME TO TIME INCLUDING THE CARD ISSUED BY US, WILL BE SHOWN 
BY YOUR APPLICATION FOR THE CARD, YOUR ACCEPTANCE OF THE CARD, OR 
YOUR USE OF THE CARD, WHICHEVER OCCURS FIRST.
Definitions Used to Understand Your Agreement with Us: In this Agreement, 
the word �Card� means either one or more VISA credit cards and any duplicates, 
renewals, or substitutions we issue. The words, �you,� �your,� and �yours� mean 
all cardholders (borrowers and co-borrowers); anyone any cardholder permits 
to use the Card(s); as well as any authorized user for whom an additional 
Card(s) is issued to the extent of their purchases and cash advances, as well as 
transactions by anyone they permit to use the Card(s). The word �cardholder� 
means any applicant or co-applicant to whom a Card is issued by us. The words 
�Credit Union,� �we,� �us,� and �our� mean Greenville Federal Credit Union. 
The words �Convenience Checks� mean one or more checks that we may send 
to you to access your Credit Card Account. �Applicable Law� shall include: �(i) 
Visa U.S.A. Inc. Bylaws, Visa U.S.A. Inc. Operating Regulations, Visa U.S.A. Inc. 
Certificate of Incorporation, Visa International Bylaws, and Visa International 
Operating Regulations; and (ii) any and all laws, treaties, rules, regulations, or 
regulatory guidance of the government of the United States, any state thereof, 
or of any applicable foreign government or state thereof, as the same may be 
amended and in effect from time to time.
Your Pledge of Shares and Security Interest for Your Loan Advances:
BY SIGNING AN APPLICATION, ACCEPTANCE, OR AUTHORIZED USE OF 
ANY CREDIT CARDS, YOU GRANT AND PLEDGE A CONSENSUAL LIEN TO 
US ON ALL SHARES TO SECURE PAYMENT OF YOUR OBLIGATIONS ON 
THIS ACCOUNT. IN ADDITION, YOU ACKNOWLEDGE OUR STATUTORY LIEN 
RIGHTS UNDER THE FEDERAL CREDIT UNION ACT; YOU AGREE THAT SUCH 
A LIEN IS IMPRESSED AS OF THE DATE THAT THIS ACCOUNT IS OPENED; 
AND YOU AGREE THAT WE CAN APPLY THE SHARES PLEDGED AT THE TIME 
OF ANY DEFAULT ON THIS ACCOUNT WITHOUT FURTHER NOTICE. �Shares� 
for the purpose of your pledge to secure your obligations to the Credit 
Union means all deposits in any share savings, share draft, club, 
certificate, P.O.D., revocable trust or custodial account(s), whether 
jointly or individually held -- regardless of contributions�that you 
have on deposit now or in the future. Your pledge does not include any 
I.R.A., Keogh, tax escrow, irrevocable trust or fiduciary account in 
which you do not have a vested ownership interest.
Military Lending Act Partial Exception : If you or your dependents are 
expressly covered and entitled to the protections provided by the 
Military Lending Act then NO PLEDGE OF SHARES OR LIEN ON SHARES 
APPLIES EXCEPT FOR A SHARED SECURED CREDIT CARD FOR WHICH YOU  4SECURITY AGREEMENT:  �Non-Purchase-Money Security Interests�� Payments 
on your Account are secured by any security interest in any property securing 
your other obligations to the Credit Union, whether existing now or in the future, 
except your household goods and your primary residence. �Purchase-Money 
Security Interests� �You hereby grant Credit Union security interest in all 
property purchased/acquired by you or any authorized user pursuant to the use 
of this Account, including a purchase-money security interest in any household 
goods purchased/acquired with an extension of credit upon this Account. These 
Purchase-Money Security Interests  shall secure faithful performance of all 
obligations arising under this Agreement; and the Credit Union shall have all 
of the rights of a secured party in accordance with Article Nine of the Uniform 
Commercial Code and/or other applicable law.
How to Use this Account:  You must sign the Card in order to use it. You can 
purchase or lease goods and services (�Purchases�) from any merchant who 
honors your Card up to your maximum credit limit by presenting your Card 
and signing a sales slip or writing a Convenience Check for the amount of the 
Purchase. You may also use the Card to obtain cash loans (�Cash Advances�) 
up to your maximum credit limit from financial institutions that accept the 
VISA credit card, and by use of preprinted Convenience Checks that the Credit 
Union may issue to you. You agree not to present your Card, obtain a Cash 
Advance, or write a Convenience Check for any extension of credit in excess of 
your available Credit Limit (the difference between your outstanding balance 
and your maximum credit limit) on your account. Certain purchases and cash 
advances require authorization prior to completion of the transaction. In some 
cases, you may be asked to provide identification. If our system is not working, 
we may not be able to authorize a transaction, even though you have sufficient 
credit available. Also, for security reasons, we may block the use of your Card in 
certain countries or geographic areas. We will have no liability to you or others 
if any of these events occur.
You authorize us to honor any Purchase or Cash Advance you make by 
telephone or mail on this account. You agree that a signature is not necessary 
as identification in such cases. We reserve the right to refuse to honor any 
request for credit, to reduce your credit limit or terminate your account at any 
time using our sole discretion, based on changes in the economy, the Credit 
Union�s financial condition, your creditworthiness or for any other reason not 
prohibited by law.
ATM Access:  If you have received a personal identification number (PIN),  
you may use your Card and PIN to obtain Cash Advances at any Automatic Teller 
Machine (�ATM�) that accepts your Card. Your PIN is confidential and should not 
be disclosed to anyone. You agree not to write your PIN on your Card, you will 
not keep your Card and PIN together, and you will not provide your PIN to anyone 
who is not an authorized user. Except as otherwise provided for, advances 
through ATM access will be treated as Cash Advances under this Agreement. 
Advances at authorized ATMs are limited to a single transaction of $510,  
a total of $510.00, and no more than 4 transactions during any 24-hour period. 
The total of all cash advances on your Visa Account and any withdrawals from 
your other accounts through an ATM in any 24-hour period may be combined 
for the purpose of this limitation. Although we do not charge a fee for this 
service, others may. Owners of ATMs that we do not own may charge fees in EXECUTE A SEPARATE SECURITY AGREEMENT. Any provisions of the 
Agreement (below) that address the items expressly excepted in any 
section to the contrary also do not apply to such Loans. 5addition to any fees disclosed in this Agreement. This is not a fee charged 
by your Credit Union; however, any such fee will be added to your account.  
The party charging the fee is required to provide appropriate disclosures 
to you with regard to any such fees.
Money Transfer Services (MTS):  You will have access to MTS upon your 
successful enrollment in the MTS Program. You may use your Card to transfer 
funds to, or receive funds from, any Card that has been enrolled in MTS by 
another Participant. The minimum Transmittal Amount is $1.00, and the 
maximum Transmittal Amount is $2,500.00. You may not transfer more than 
$2,500.00 per day or more than $10,000.00 per month. In addition, you may 
not receive more than $2,500.00 per day or $10,000.00 per month. We may 
increase or decrease these limits from time to time in our sole discretion. We 
reserve the right to accept or reject any MTS request in our sole discretion. 
Only you may access MTS and initiate a request using your Card. You may only 
have one Card enrolled in MTS at any one time. Subject to these Terms and 
Conditions and following successful transmission of your request to the Issuer,  
the Issuer will transfer funds to the designated Recipient�s Card pursuant to 
such request and debit the transmittal amount and any applicable fees from 
your card balance. You acknowledge and agree that any fees that may be 
charged in connection with any request you submit, even one that is later voided,  
are fully earned and non-refundable. Each transmittal amount you send 
pursuant to a request will be posted to the Recipient�s Card in accordance with 
the posting rules established by the financial institution that has issued such 
Card. Each transmittal amount that is sent to your Card will generally be posted 
to your Card within two (2) Business Days after we receive the Transmittal 
Amount from the Sender. Any charges that you may incur in accessing MTS, 
including, without limitation, any mobile phone airtime charges, or internet 
connection charges, shall be your sole responsibility. Any offer to enroll or 
participate in MTS is void where prohibited by Applicable Law. For Recipient 
where Credit Union Does Not Also Originate:  If you receive any transmittal 
amount from any MTS provider you agree not to receive more than $2,500.00 
per day or more than $10,000.00 per month. We may increase or decrease 
these limits from time to time in our sole discretion. We reserve the right 
to accept or reject any MTS request in our sole discretion. Each transmittal 
amount that is sent to your Card will generally be posted to your Card within two  
(2) Business Days after we receive the Transmittal Amount from the Sender. 
Fees for MTS:  Until we post an amendment, we will not charge you any fees for 
the MTS Services. Once we begin charging fees, we will normally deduct fees 
and charges automatically from your Card balance at the time a fee or charge is 
incurred for MTSs sent or received.
Your Maximum Credit Limit:  Your Maximum Credit Limit will appear on your 
monthly statement. At our discretion, we may change your credit limit at any 
time, and may provide separate limits for purchases and for cash advances.  
We will notify you if we do, either by mail or through your monthly billing 
statement. You may request a change to your credit limit by contacting the 
Credit Union by telephone or mail. Your continued use of the card will show your 
agreement to any such increase. If you object to an increase in your credit limit, 
you must notify Credit Union in writing. Upon receipt of such notice, your credit 
limit will be reduced to its prior limit; however, you will be responsible to pay 
any amounts by which you have exceeded the reduced limit. You agree to pay 
any amounts you owe that exceed your maximum credit balance upon demand. 
You agree we are not obligated to extend to you credit for any amount that would 
cause your outstanding balance to exceed your Maximum Credit Limit, or for 
any amount if your outstanding balance already exceeds your Maximum Credit 
Limit. Any increase in your Maximum Credit Limit requested by you will require  6you to make a written application for our approval. In assessing your credit limit 
under the provisions in this Section (either at our discretion or upon request):  
(a) we may and you authorize us to review your credit history, including consumer 
credit reports; (b) you authorize us to have this review made by third parties 
to determine whether you meet the criteria we have set for such an increase;  
and (c) this process shall not be pre-screening under the Fair Credit Reporting 
Act or other applicable laws or regulations based on our existing relationship 
and this Agreement. The minimum line of credit with this card is $5,000.
If your credits and payments exceed what you owe the Credit Union, the amount 
will be applied against future purchases and cash advances. If the credit 
balance amount is $1.00 or more, it will be refunded upon your written request 
or automatically after six months. You agree that the Maximum Credit Limit will 
at no time exceed the agreed upon amount, and that any credit balance will not 
be available or increase the Maximum Credit Limit available for new purchases 
or cash advances during any billing cycle.
General Terms Governing Your Payments:  You will be jointly and severally 
liable and agree to pay the Credit Union for all charges (purchases, cash 
advances, finance charges, and other charges added to your Account under the 
terms of this or any other agreements with us) extended to you or anyone else 
using any Card issued for your account, unless the use of such Card is by a person 
other than you, who does not have actual, implied or apparent authority for such 
use and from which you receive no benefit. Authority includes, but is not limited 
to, any authorized users permitting another person to use any Card(s). Further, 
all users are obligated to us for all charges they make, authorize or permit.  
The Credit Union can accept late or partial payments as well as payments that 
are marked with �paid in full� or other restrictive endorsements, without losing 
any of our rights under this Agreement. You must pay the Credit Union in U.S. 
dollars drawn on funds on deposit in the United States. If you make payment 
with other currencies or from an institution domiciled outside the United States, 
then your payment will not be credited until the funds have been collected by us 
in U.S. dollars. The Credit Union will determine the method of applying payments 
and credits to your account, which will in all respect comply with any specific 
requirements of applicable laws. 
Unless otherwise required by specifically applicable laws, for payments 
received by mail by 5:00 PM Eastern Time, you will receive credit that day;  
and for payments made in any other manner, including in person, your account 
will be credited the day payment is received.
To protect you and us, the Credit Union, in its sole discretion, may place 
a temporary freeze on all or part of the credit available to you for new 
purchases or cash advances under this agreement any time the Credit 
Union receives a large payment ($1,000.00 or more), by a method other 
than cash, certified funds or electronic transfer. In such cases, the Credit 
Union may freeze your credit line until payment is actually collected by us.
Maximum Fees�First Year:  During the first year after the credit card is 
opened the total fees charged to your credit card will not exceed 25% of the 
credit limit in effect when the account is opened. This limit does not apply to 
late payment fees, over-limit fees or returned payment fees or other fees you are 
not required to pay with respect to the account such as an expedited payment 
for making a payment by phone. However, the limit does apply to cash advance 
fees, balance transfer fees and foreign transaction fees. 7Minimum Payment Due: You can pay off your account balance in full each 
month or you can pay in monthly installments. If you do not pay your balance in 
full, you agree to pay at least a minimum payment of 2% of your New Balance 
(rounded to the nearest whole dollar) or $20.00, whichever is greater, at the end 
of each statement period. If the New Balance shown on your periodic statement 
is $20.00 or less, you agree to pay the full amount due. Unless the Credit Union 
takes other action as a result of a default under this Agreement, the Minimum 
Payment Due will also include any amount that is past due and any amount by 
which your new balance exceeds your credit limit. Payments and credits will be 
applied first to pay billed but unpaid finance charges; annual fee (if applicable); 
late charges, and other fees or charges provided for herein; and next to unpaid 
cash advances; and then to your unpaid purchase balance. You must pay at 
least the minimum payment each month, but you may pay more than that 
amount at any time without a penalty. The sooner you pay your new balance, 
the less you will have to pay in finance charges. The �Payment Due Date� will be 
shown on your periodic statement.
Grace Period for Repayment of the Balance for Purchases: Grace period for 
repayment of the balance for purchases will be no less than 25 days from the 
close of the billing cycle. See your statement for billing cycle date.
Returns and Adjustments: Regarding your transaction with merchants and 
others who honor your Card, they may give credit for returns or adjustments, 
and they will do so by sending the Credit Union a credit slip which will be posted 
to your Account. If your credits and payments exceed what you owe the Credit 
Union, the amount will be applied against future purchases and cash advances. 
If the credit balance amount is $1.00 or more, it will be refunded upon your 
written request or automatically after six months.
Foreign Transaction Fee:  If you make a transaction in a currency other than 
U.S. dollars using a Visa Card, then Visa International �Visa� will convert the 
charge into a U.S. dollar amount. Purchases and cash advances will be billed 
to you in US Dollars. The exchange rate between the transaction currency and 
the billing currency used for processing international transactions is either 
(a) 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 (b) the government-mandated rate 
in effect for the applicable central processing date. The currency conversion 
rate for the processing date may differ from the rate in effect on the date of 
the transaction or the date the transaction is posted to your Account. Point of 
Sale Conversion:  Some merchants outside the United States offer cardholders 
the option of having Card transactions converted to U.S. dollars by Visa,  
as described above, or by the merchant itself. If the latter option is chosen,  
the currency conversion rate is determined solely by the merchant involved in 
the transaction, and no foreign currency conversion fee is charged by the bank 
for the transaction. Special Note:  Any transaction processed outside the United 
States will be charged the foreign transaction fee(s) described above even if you 
are located within the United States when you make the transaction.
Quarterly Variable Interest Charges:  The Annual Percentage Rate can 
change on a quarterly basis. The rate is determined by using an independent 
Index�the Wall Street Journal Prime Rate (when a range of rates has been 
published, the highest rate will be used)�and to the Index is added a margin 
of 7.990% . The Index used will be the Prime Rate as of the 15th day of January, 
April, July, and October; and your rate can change with each monthly statement 
cut-off in March, June, September, and December. 8Interest Charges:  WILL BE IMPOSED IN THE FOLLOWING MANNER AND 
WILL BE IN AMOUNTS NOT IN EXCESS OF THOSE PERMITTED BY LAW�  
Credit Purchases (Method G):  To avoid incurring an additional Interest 
Charge on the balance of Credit Purchases reflected on your statement and 
any new Credit Purchases appearing on your next statement, you must pay the 
entire New Balance shown on your statement before the Payment Due Date. 
The Interest Charges for a billing cycle are computed by applying the daily 
periodic rate to the average daily balance multiplied by the number of days in 
the billing cycle OR the Monthly Periodic Rate to the average daily balance of 
Credit Purchases, which is determined by dividing the sum of the daily balances 
during the billing cycle by the number of days in the cycle. Each daily balance 
is determined by adding to the Previous Balance of Credit Purchases and any 
new Credit Purchases posted to your account and subtracting any payments as 
received and credits a posted to your account but excluding any unpaid Interest 
Charges. Cash Advances (Method A): Interest charges on Cash Advances 
begin to accrue on the date you obtain a Cash Advance or the first day of the 
billing cycle in which it is posted to your account, whichever is later. The Interest 
Charges for a billing cycle are computed by applying the daily periodic rate to 
the average daily balance multiplied by the number of days in the billing cycle 
OR the monthly Periodic Rate to the average daily balance during the billing 
cycle, which is determined by dividing the sum of the daily balances during the 
billing cycle by the number of days in the cycle. Each daily balance is determined 
by adding to the Previous Balance any new Cash Advances you receive,  
and subtracting any payments as received or credits as posted to your account 
but excluding any unpaid Interest Charges.
�Promotional Rate� Interest Charges: From time to time and in our sole 
discretion we may offer a special rate applicable to certain transactions such 
as particular purchases (as defined by us), balance transfers, cash advances or 
purchases made by using Convenience Checks. Applicable terms and conditions 
will be disclosed at the time any such promotion is offered and are incorporated 
into this Agreement by reference. The promotional rate will apply only to the 
transactions and for the period of time set forth in any such offer from us. 
Existing balances and new purchases or advances not expressly subject to 
any such promotion will remain governed by the terms and conditions of this 
Agreement. In addition, the terms and conditions of this Agreement will govern 
your obligations regarding any unpaid balance or transactions that are made 
subject to any such promotional offer, that are not fully paid within the time 
period set forth in such promotional offer.
Monthly Statement : We will send you a monthly billing statement whenever 
there is activity on your account. Your monthly statement will show an itemized 
list of current charges (Purchases and Cash Advances) and Convenience 
Check transactions to your account, your new balance, any Finance Charges,  
the minimum payment due, and the payment due date. In addition, it will show 
your current credit limit, payments, and credits, a summary showing your 
Purchases and Cash Advances, the merchant, electronic terminal, or financial 
institution at which transactions were made, as well as other information 
concerning your account. Sales, Cash Advance, credit, or other slips cannot 
be returned with any statement. You will retain a copy of such slip furnished 
at the time of the transaction in order to verify your monthly statement. 
E-Statements:  If provided electronically, statements will be (1) e-mailed to you 
as an attachment or (2) you will be sent a notice via e-mail that will direct you 
to a site we maintain or cause to be maintained where you may access, review, 
print and otherwise copy/download your periodic statements using procedures 
that we authorize. E-mails from us will be sent to the e-mail address provided 
by any owner.  9Additional Benefits/Card Enhancements:  The Credit Union may from time 
to time offer additional services to your Account, such as travel accident 
insurance, purchase rewards or rebates. You understand that the Credit Union 
is not obligated to continue or to offer such services and may withdraw or 
change them at any time. If these benefits are withdrawn prior to any accrued 
use by you, the Credit Union will have no obligation to provide the benefit or 
enhancement, or any other compensation or consideration.
Merchant Disputes:  The Credit Union is not responsible for the refusal of any 
merchant or financial institution to honor your Card except as set forth in the 
Special Rules for Credit Card Purchases set forth in this Agreement. .
Late Payment Fee:  We will charge your account a fee as disclosed for each 
billing cycle in which your minimum payment is not received by the stated 
payment due date. This fee may be added to your account balance or collected 
from you on demand.
Returned Payment or Insufficient Funds Fee:  We will charge your account 
a fee as disclosed if your payment by any method, including check, electronic 
transfer, home banking transaction or otherwise, is not honored, collected by 
us, or if we must return it to you because it cannot be processed for any reason. 
This fee may be added to your account balance or collected from you on demand.
Copies, Research and Card Replacement Fees:  We will charge you a fee as 
disclosed if you ask for a copy of any document, such as a sales slip, or billing 
statement, or need to replace a card for any reason. This fee may be added 
to your account balance or collected from you on demand. No charge will be 
imposed in connection with any asserted and verified billing error. 
Your Responsibility and Liability for Unauthorized Use and Lost or Stolen 
Cards or Convenience Checks:  If your Card or Convenience Checks are lost 
or stolen, or if you are afraid someone used or may use them without your 
permission, you must notify the Credit Union at once by calling 1.800.336.6309 . 
If notice is given orally, you will promptly confirm it in writing. The Credit Union 
may require you to provide certain information in writing to help us investigate 
any unauthorized use. Further, you agree to cooperate and assist us or any 
government or law enforcement agent or agency in investigating, collecting,  
or pursuing any other rights (civil and criminal) relating to any unauthorized use. 
In this regard, you agree to file an appropriate police report when asked to do so. 
Do not use the Card or the Convenience Checks after you have notified the 
Credit Union, even if you find them or have them returned to you.  
You are liable for all transactions that you authorize. No Liability:  You will 
have no liability for unauthorized use of your Card, Convenience Checks,  
or other Access Devices for non-ATM transactions made over the VISA Network; 
HOWEVER - your liability with respect to unauthorized transactions may 
be greater than the zero ($0.00) liability limit, to the extent allowed 
under applicable law, if the credit union reasonably determines,  
based on substantial evidence, that you were negligent or fraudulent in the 
handling of your account or card.  Limited Liability:  For transactions on other 
networks or ATM transactions, you may be liable for unauthorized transactions 
using your Card, Convenience Checks, or other Access Devices that occur before 
we are notified; however, your liability for unauthorized use on networks other 
than VISA will not exceed $50.00. In any case, you will not be liable for any 
unauthorized use after notifying us of the loss, theft, or unauthorized use of 
your Card, Convenience Checks, or other Access Devices.
Our Liability for Failure to Complete Transactions: If we do not complete 
a transaction pursuant to any request, and/or in the correct amount, we may  10be liable for your losses or damages. However, there are some exceptions.  
We will not be liable, for instance: 
� if through no fault of ours, you do not have adequate funds available on 
your Card to complete the transfer 
� if circumstances beyond our control (such as fire, flood, terrorist attack, 
national emergency, or computer or communication failure) prevent the 
completion of the transaction, despite reasonable precautions we have taken
� if access to your Card has been blocked after you reported your Card 
lost or stolen
� if there is a hold on your Card for any reason
� if your funds are subject to legal process or other encumbrance restricting 
their use
� if your transfer authorization terminates by operation of law
� if a computer system or mobile device was not working properly and you 
knew about the problem when you initiated the transaction
� if we have reason to believe that the requested transaction is not 
authorized or as otherwise provided in this Agreement
What the Credit Union may do if You do not meet Your Obligations under 
this Agreement (�Default�): You will be in default if: (a) you fail to pay the 
Minimum Payment Due by the Payment Due Date; (b) the Credit Union, in its 
sole discretion, feels insecure ( For example : Our good faith belief that your 
ability to pay your account is impaired; use of your account in any manner or 
in any way that may expose the Credit Union to a risk of loss; etc.); (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 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 misleading statement to us in 
your application or otherwise; (f) you are in default under any other agreement 
with us; (g) if you use or authorize the use of any Card(s) to make or facilitate 
any illegal transaction; or (h) you fail to perform any of your other obligations 
under the terms of this Agreement as it may be amended from time to time. 
Upon default we may close your Account to future purchases and advances and, 
to the extent not prohibited by Governing Law, demand immediate payment of your 
entire Account balance, after giving you any notice and opportunity to cure the 
default if required by applicable law. The Credit Union�s sole obligation hereunder 
with regard to determining and declaring an event of default is the exercise of 
�good faith,� based on its subjective understanding of applicable facts. We shall 
also have the right to close your account and terminate access privileges where 
your account is inactive for such periods of time as we may from time-to-time 
determine to be appropriate for protecting both our and your interests. 
When You may be Responsible for Legal and Other 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�s rights under this Agreement, 
including attorneys� fees of 20% of the unpaid balance or such greater sum as 
may be reasonable, and also those costs, expenses and attorneys� fees incurred 
in any appellate, bankruptcy and post-judgment proceedings, except as limited 
or prohibited by applicable law.
Updating and Disclosing Financial Information: We may report your 
performance under this Agreement to credit reporting agencies and secure follow-
up credit reports on you for any legitimate business reason, including if you fail to 
make your minimum payments on time. We can reinvestigate and reevaluate any 
information you provide on your Visa Application at any time, and in the course of  11doing so, we may ask you to provide additional information, request credit bureau 
reports and/or otherwise verify your current credit standing. 
Access to Account Information:  You agree that all borrowers and authorized 
users will have access to information regarding transactions on your account, 
including but not limited to purchases and cash advances, account balances, 
account history, payments and other information relating to or arising with 
regard to this account or any transaction. 
Change of Name, Address or Employment:  You will notify us immediately in 
writing if your name, home address, or employment changes.
Correcting the Credit Union�s Credit Report:  If you think the Credit Union 
reported erroneous information about you to a credit reporting agency, call the 
Credit Union at the telephone number listed on your monthly billing statement. 
We will promptly investigate the matter. We will contact each credit reporting 
agency whose records may reflect an error and require them to correct your 
report if our investigation proves you correct. If Credit Union disagrees with you 
after its investigation, we will advise you in writing or by phone and instruct you 
how to submit to those agencies a statement of your position that will become 
a part of your credit record with them.
When Your Account may be Closed and Effects of Account Closing:  
Any individual cardholder, without the consent of other cardholders,  
may close your Account at any time by notifying us in writing as indicated in 
this Agreement. Credit Union may close your account or suspend your Card 
privileges or Convenience Checks at any time without prior notice. Credit Union 
may also reissue a different Card or different checks at any time. You must 
return the Card or the Convenience Checks to the Credit Union upon request. 
You agree that the Card and all Convenience Checks remain the property of 
Credit Union. Each Card we issue will have an expiration date. Upon expiration 
of your Card your account will automatically terminate or the Credit Union, in its 
sole discretion, may extend your Agreement and issue a new card with a new 
expiration date. If your account is closed, expires or your credit privileges are 
terminated or suspended, you will remain responsible for paying all amounts you 
owe us according to the terms of this Agreement. Without limiting the foregoing, 
the Credit Union has the right to terminate your line of credit or any part of the 
services provided pursuant to this Agreement and to demand the return of all 
cards, access checks and other access devices if the Credit Union, in its sole 
discretion, feels that it is insecure for any reason whatsoever; including but not 
limited to mismanagement of your account, failing to safeguard any access 
device, creation of any credit balances by you that may increase the risk of loss 
or exposure of the Credit Union or failing to cooperate with the Credit Union or 
others with regard to any claim of unauthorized use or any other defense to 
payment under applicable law.
Changing This Agreement:  The Credit Union may change the terms 
of this Agreement, including the Annual Percentage Rate, at any time.  
Except where limited by applicable law, the new terms, including, but not limited 
to, increasing the Annual Percentage Rate or the way the Credit Union calculates 
Interest Charges, late charges, and the minimum payment due, will apply both 
to new purchases and cash advances and to the existing outstanding balance 
of your account as of the day of the change. In accordance with applicable law, 
the Credit Union will notify you of any increased charge or change by writing to 
you at the most recent address shown for you on the Credit Union�s records.
The Effect of any Delay in Enforcement or Waiver:  The Credit Union may 
delay or waive enforcement of any of the provisions of this Agreement, including 
any agreement to make timely payments, without losing its right to enforce 
the same provision later or any other provisions of this Agreement. You waive  12the right to receive notice of any waiver or delay or presentment, demand, 
protest, or dishonor. You also waive any applicable statute of limitations to the 
full extent permitted by law and any right you may otherwise have to require 
the Credit Union to proceed against any person before suing you to collect.  
You understand that the Credit Union will not be liable for a merchant�s or other 
parties� refusal to honor your Card whether due to an error by the Credit Union, 
the merchant, the Credit Union�s authorized agent, or other third party.
Additional Terms of 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 South Carolina state 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. Any one obligor�s elections, transactions and directions 
to the Credit Union shall be binding upon all obligors.  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 is responsible for all amounts borrowed by any authorized 
user(s). 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 part, provision, sentence, or section of this Agreement 
unenforceable, the remainder will continue in full force and effect. 
Payment Protection Options�Credit Insurance:  If you elect insurance as set 
forth in your application and your application is approved, then the charges 
will be added to your Account balance each billing cycle. Credit insurance is 
voluntary and not required to obtain a credit card account with us. You have the 
right to terminate this insurance at any time by notifying us in writing.
Convenience Payment Options:  If you establish an automated repayment plan 
and your designated account does not transfer the required minimum payment 
due so that we receive it by the stated due date, you remain responsible for 
making the required minimum monthly payment by the stated due date and any 
fees that may be assessed for failure to do so. 
Compliance with Applicable Laws and Prohibition of Illegal Transactions:  
You warrant and agree that you will at all times comply with all Applicable Laws; 
and that your card and services are at all times subject to Applicable Laws. 
Further, you agree and warrant that your Credit Card, other access device or any 
related account will not be used to make or facilitate any illegal transaction(s) 
as determined by applicable law; and that any such use, including any such 
authorized use, will constitute an event of default under this Agreement.  
Certain federal and/or state laws or Card Service Providers� Rules may limit or 
prohibit certain transactions such as (but not limited to) those coded as possible 
gambling transactions. The Credit Union may decline to accept, process, or pay 
any transaction that we believe to be illegal or unenforceable (regarding your 
obligation to pay us or otherwise) under applicable law; or which is otherwise 
limited or prohibited, including but not limited to any transaction involving or  13relating to any gambling activity. Such prohibition or limitations may affect 
some otherwise proper or allowable transactions such as charges incurred at 
a hotel-casino. You understand and agree such limitations/prohibitions are 
not within the Credit Union�s control and that the Credit Union will not have 
any liability, responsibility, or culpability whatsoever for any such use by you 
or any authorized user(s); or for declining to accept, process, or pay any such 
transaction. You further agree to indemnify and hold the Credit Union harmless 
from any suits, liability, damages, or adverse action of any kind that results 
directly or indirectly from any such use of your account and/or access devices.
Skip Payment Option:  At our option, we may offer you the opportunity to not 
make (�skip�) a minimum payment during certain designated billing cycles 
(�skip payment period�). If you do not make your minimum payments as provided 
in this Agreement during such designated billing cycles, you understand that 
we will continue to apply Interest Charges to your account. Beginning with the 
billing cycle following an allowed skip payment period, all other provisions of 
this Agreement will apply. We have no obligation to accept your application 
for any skip payment period offered, and you authorize us to investigate your 
creditworthiness including obtaining consumer credit reports. We may charge 
you an application processing fee when disclosed for each skip payment period 
we may offer to cover our costs of investigating your qualifications for this 
extension including but not limited to the costs associated with researching 
your creditworthiness.
Modifications to required minimum monthly payments: We may allow you, 
from time to time, to omit a monthly payment or make a reduced payment. 
We will notify you when these options are available. This will only occur on 
an isolated basis, such as when the Credit Union is working with borrowers 
affected by a state or federally declared disaster. If in response to such 
notification, you may omit a payment or make a reduced payment, while interest 
charges, applicable fees, and other regular transactions, if any, will accrue 
on your account balances in accordance with this Agreement. The reduced 
payment amount may be less than your interest charges. You must make the 
reduced payment on time to avoid a Late Fee. You must resume making your 
regular Total Minimum Payment Due each month following any modifications 
made to your required minimum monthly payment.
Optional Purchase Rewards Program (CU Rewards):  Participation in the 
travel/merchandise purchase point rewards program is automatic with this 
Visa credit card program. You understand and agree we are not obligated to 
continue or to offer such a program. We reserve the right to change the program 
and/or any third party program servicer with or without conversion of points, 
privileges, point accruals, redemption periods, etc. If benefits are withdrawn 
prior to any accrued use by you, we have no obligation to provide any benefit, 
enhancement, consideration or compensation to you or anyone. Program rules 
are provided by the program servicer and you agree to abide by those terms of 
use as amended from time to time.
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 merchants who participate in an effort to facilitate 
uninterrupted processing of your recurring charges. Visa only sends updated 
card numbers and expiration dates. No other personal information is sent.  
If your name or address changes you will need to personally update merchants 
with those changes. The database is accessed by those qualified merchants 
seeking your account information after you requested they process a recurring 
payment or payments. This service is provided as a free benefit to you.   14When Traveling:  Because card fraud continues to increase at an alarming 
pace the Credit Union takes extensive measures to minimize and prevent fraud.  
There are precautionary measures you should take as well:
� Notify the Credit Union of your extensive domestic or international 
travel plans
� Inquire about potential blocking of transactions in certain 
countries or locales
� Test your card and PIN before traveling
� Verify your card will not expire during your travels
� Carry alternative payment methods�travelers checks, additional 
credit or debit cards, etc.
� Do not pack or carry all payment methods in one place�put one in 
your wallet and another in your suitcase, etc.
� Remain alert to pickpockets
� Photocopy all payment methods, front and back, and keep copies 
on hand and at home
If you would like information about credit counseling services, please call 
1.866.685.6322. You may also visit www.frbatlanta.org  for a list of credit 
counseling and debt management services.
YOUR BILLING RIGHTS STATEMENT
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 STATEMENT/BILLING AT:
Greenville Federal Credit Union Card Services
1501 Wade Hampton Blvd., Greenville, SC 29609
800.336.6309
www.greenvillefcu.com
If you think your statement is wrong, or if you need more information about 
a transaction on your statement, you must write to us on a separate sheet of 
paper to the address listed in your periodic statement. You should write to us as 
soon as possible. We must hear from you no later than 60 days after we sent you 
the first statement on which the error or problem appeared. You can telephone 
us but doing so will not preserve your rights. In your letter, you should give us 
the following information:
� Your name and account number. The dollar amount of the suspected error
� The dollar amount of the suspected error. 
� Describe the error and explain why you believe there is an error.
� If you need more information, describe the item you are not sure about. 
If you have authorized us to pay your credit card bill automatically from your 
savings or checking account, you can stop payment on any amount you think is 
wrong. To stop the payment, your letter must reach us 3 business days before 
the automatic payment is scheduled to occur.Limitation 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. 15YOUR 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 delinquent. We can continue to bill you for the amount you 
question, including INTEREST CHARGES, and we can apply any 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 the bill that 
are not in question.
If we find that we made a mistake on your statement, you will not have to pay 
the INTEREST CHARGES related to any questioned amount. If we didn�t make a 
mistake, you may have to pay INTEREST 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 us and the date that it is due.
If you fail to pay the amount we think you owe us, we may report you as 
delinquent. However, if our explanation does not satisfy you and you write us 
within 10 days telling us that you still refuse to pay, we must tell anyone we 
report you to that you have a question about your statement. 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 you and us when it finally is.  
If we don�t follow these rules, we can�t collect the first $50.00 of the questioned 
amount, even if the statement was correct.
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 purchase. There are limitations on this right:
1. You must have made the purchases in your home state or, if not within 
your home state, within 100 miles of your current mailing address; and the 
purchase must have been more than $50.00, and
2. You must have used your credit card for the purchase (Cash advances 
from and ATM or with a check that accesses your credit card account do 
not qualify), and
3. You must not yet have fully paid for the purchase
These limitations do not apply if we own or operate the merchant, or if we mailed 
you the advertisement for the property or services.
CONTACT INFORMATION:
To report a lost or stolen VISA credit card after business hours, call toll 
free: 866.820.6796 You may also call the credit union toll free number and 
respond as prompted: 800.336.6309. If you are out of the country, call 
collect to 727.299.2449.
Note: The information in this document is accurate as of the printing date 
and is subject to change. For changes since printing, please contact us 
as noted above.
Effective November 1, 2021 Greenville
3375 Pelham Rd.
Greenville, SC 29615
Greenville
1501 Wade Hampton Blvd.
Greenville, SC 29609
Mauldin
142 Tanner Rd.
Greenville, SC 29607
Greer
107 W. Church St.
Greer, SC 29650
greenvillefcu.com
800.336.6309