TTCU THE CREDIT UNION ee er Strotg   T.T.C.U. Credit Card Information: The information about the costs of the card described in this application is accurate as of June 30, 2010. This information may have changed after that date. To find out what may have changed, call us at 1-800-234-8828. Write us at P.O. Box 4999, Tulsa, Oklahoma 74159.Note a Visa Gold card has a minimum credit line of $1,000.00                                       Interest Rates and Interest Charges Features Visa Gold Annual Percentage Rate (3) APR for iia 9.9% APR for Cash advances and (0) Balance Transfers 9.9% Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the To learn more about factors to consider when applying for or using a credit card, visit the Federal Reserve Board website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard Fees Annual Fee None Transaction Fees Transaction fee for Cash Advances | 3% of advance, minimum $1.50 * and Balance Transfers Foreign Transaction .8% of each transaction in US dollars Foreign Transaction 1.0% of the converted transaction amount Penalty Fees Late Payment $15.00 ** Returned Check or ACH Fee $15.00 ***     How We Will Calculate Your Balance: We use the method called the “average daily balance (including new purchases) Billing Rights: Information on your right to dispute transactions and how to exercise those rights is provided in your account agreement. *The cash advance fee will have the affect of raising the APR reported on the statement for the transaction period in which it is charged. **$15.00 is added to purchase balance whenever you fail to make minimum payment by the due date and may be assessed in addition to the returned check or ACH fee. (No grace period on payments.) *** $15.00. Returned check or ACH fees are added to purchase balance. ( ) PRIMARY OWNER/APPLICANT ( ) JOINT OWNER/APPLICANT I Intend to Apply for Joint Credit | intend to Apply for Joint Credit | have initialed here | have initialed here |/We are making application for a TTCU credit card account indicated above. |/We by signing, using, or permitting another to use the credit card agree that I/We will be bound by the terms and conditions of the Card Holder Agreement which will be provided as well as all amendments. Everything that I/We have stated in the application is reasonably correct and is made for the purpose of obtaining credit. [/We authorize the dissemination of the information contained herein, on the application and other loan documents to joint applicants. I/We understand that you will retain this application and all supporting documents you require whether or not it is approved. You are authorized to periodically check my credit and employment status and history. You are authorized to answer questions about your credit experience with me, from other lenders, other departments of the credit union and appropriate credit reporting agencies. You are authorized to store personal and financial information and loan documentation electronically in lieu of paper documents. | understand that approved identification will be required to complete this transaction in accordance with the Patriot Act.     Applicants Signature Date Co-Applicants Signature DateMasterCard International will use its currency conversion procedure, which is disclosed to institutions that issue MasterCard cards. Currently the currency conversion rate used by MasterCard International to determine the transaction amount in U.S. dollars for such transactions is generally either a government mandated rate or a wholesale rate determined by MasterCard International for the processing cycle in which the transaction is processed, increased by one percentage point. The currency conversion rate used by MasterCard International on the processing date may differ from the rate that would have been used on the purchase date or cardholder statement posting date. 16. MERCHANT DISPUTES — The Credit Union is not responsible for the refusal of any merchant or financial institution to honor your Card. The Credit Union is subject to claims and defenses (other than tort claims) arising out of goods or services you purchase with the Card if you have made a good faith attempt but have been unable to obtain satisfaction from the merchant or service provider, and (a) your purchase was made in response to an advertisement the Credit Union sent or participated in sending to you; or (b) your purchase cost more than $50 and was made in your state or within one hundred (100) miles of your home. 17. JOINT ACCOUNTS — If this is a joint Account, each person on the Account must sign the Agreement (by signing on the application). Each of you will be individually and jointly responsible for paying all amounts owed under this Agreement. This means that the Credit Union can require any one of you individually to repay the entire amount owed under this Agreement. Each of you authorizes the other(s) to make purchases or cash advances individually. Any one of you may terminate the Account and the termination will be effective as to all of you. 18. EFFECT OF AGREEMENT — This Agreement is the contract which applies to all transactions on your Account even though the sales, cash advances, credit or other slips you sign or receive may contain different terms. 19. NO WAIVER — The Credit Union can delay enforcing any of its rights any number of times without losing them. 20. STATEMENTS AND NOTICES — Statements and notices will be mailed to you at the most recent address you have given the Credit Union. Notice sent to any one of you will be considered notice to all. 21. FINAL EXPRESSION — This Agreement is the final expression of the terms and conditions of this VISA/MasterCard line of credit between you and the Credit Union. This written Agreement may not be contradicted by evidence of any alleged oral agreement. 22. COPY RECEIVED — You acknowledge that you have received a copy of this Agreement. You understand that the use of your credit card will constitute acknowledgement of receipt and agreement to the terms of the credit agreement. YOUR BILLING RIGHTS KEEP THIS NOTICE FOR FUTURE USE This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR BILL   wrong, or if you need more information about a transaction on your bill, write us on a separate sheet at the address listed on your bill. Write to us as soon as possible. We must hear from you no later than sixty (60) days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: « Your name and account number. ° The dollar amount of the suspected error. ¢ Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. if you have authorized us to pay your credit card bill automatically from your savings or share draft account, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us three (3) business days before the automatic payment is scheduled to occur. YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE — We must acknowledge your letter within thirty (30) days, unless we have corrected the error by then. Within ninety (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 finance charges, and we can apply an unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount. If we didn’t make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. if you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten (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 bill. And, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is.   lf we don’t follow these rules, we can’t collect the first $50 of the questioned amount, even if your bill 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 property or services. There are two (2) limitations on this right: * You must have made the purchase in your home state or, if not within your home state, within one hundred (100) miles of your current mailing address; and * The purchase price must have been more than $50. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. AMERICA'S ey CREDIT UNIONS" © CUNA MUTUAL GROUP, 1991, 2007, TO ORDER 09/11/07 ALL RIGHTS RESERVED 1-600-356-5012 29311-FK1   TTCU Tulsa Teachers Credit Union 3720 E. 31st St e PO. Box 4999 Tulsa, OK 74159-0999 « Phone (918) 749-8828 Vi SA Gold Guava! CLASSIC VISA/MASTERCARD CREDIT CARD AGREEMENT In this Agreement the words “you” and “your” mean each and all of those who agree to be bound by this Agreement; “Card” means the VISA/MasterCard credit card and any duplicates, renewals, or substitutions the Credit Union issues to you; “Account” means your VISA/MasterCard credit card line of credit account with the Credit Union, and “Credit Union” means the Credit Union whose name appears on this Agreement or anyone to whom the Credit Union transfers this Agreement. 1. USING YOUR ACCOUNT — If you are approved for an Account, the Credit Union will establish a line of credit for you and notify you of your credit limit. You agree that your credit limit is the maximum amount (purchases, cash advances, finance charges, plus “other charges") that you will have outstanding on your Account at any time. lf you are over your credit limit, you must pay the amount you are over before payments will begin to restore your credit limit. You may request an increase in your credit limit only by a method acceptable to the Credit Union. The Credit Union has the right to reduce your credit limit, refuse to make an advance and/or terminate your Account at any time for any reason not prohibited by law. 2, USING YOUR CARD — You may use your Card to make purchases from merchants and others who accept VISA/MasterCard Cards. However, you may not use your Card to initiate any type of electronic gambling transaction through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. In addition, you may obtain cash advances from the Credit Union and from other financial institutions that accept VISA/MasterCard Cards, and from some automated teller machines (ATMs). (Not all ATMs accept VISA/MasterCard Cards.) To obtain cash advances from an ATM, you must use the Personal Identification Number (PIN) that is issued to you for use with your Card. You agree that you will not use your Card for any transaction that is illegal under applicable federal, state or local law.       3. RESPONSIBILITY — You agree to pay all charges (purchases and cash advances) to your Account that are made by you or anyone whom you authorize to use your Account. You also agree to pay all finance charges and other charges added to your Account under the terms of this Agreement or another agreement you made with the Credit Union. If this is a joint Account, Section 17 below also applies to your Account. 4. FINANCE CHARGES — New purchases posted to your account during a billing cycle will not incur a finance charge for that b ng cycle if you had a zero or credit balance at the beginning of that billing  cycle or you paid the entire New Balance on the previous cycle’s billing statement by the Payment Due Date of that statement; otherwise a finance charge will accrue from the date a purchase is posted to your account. To avoid an additional finance charge on the balance of purchases, you must pay the entire New Balance on the billing statement by the Payment Due Date of that statement. A finance charge begins to accrue on cash advances from the date you get the cash advance or from the first day of the billing cycle in which the cash advance is posted to your account, whichever is later. To avoid an additional finance charge on the balance of cash advances, you must pay the entire New Balance on the billing statement by the Payment Due Date of that statement. The finance charge is calculated separately for purchases and cash advances. For purchases, the finance charge is computed by applying the monthly periodic rate to the average daily balance of purchases. To get the average daily balance of purchases, we take the beginning outstanding balance of purchases each day, add any new purchases, and subtract any payments and/or credits. This gives us the daily balance of purchases. Then, we add all the daily balances of purchases for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the average daily balance of purchases. For cash advances, the finance charge is computed by applying the monthly periodic rate to the average daily balance of cash advances. To get the average daily balance of cash advances, we take the beginning outstanding balance of cash advances each day, add in any new cash advances, and subtract any payments and/or credits that we apply to the cash advance balance. This gives us the daily balance of cash advances. Then, we add all the daily balances of cash advances for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the average daily balance of cash advances. Balance transfers are calculated in the same manner as cash advances. For our VISA Gold Card, the monthly periodic rate is 0.825%, which is an ANNUAL PERCENTAGE RATE of 9.9%. For our MasterCard Classic Card, the monthly periodic rate is 0.99166%, which is an ANNUAL PERCENTAGE RATE of 11.9%. {In addition to the Finance Charges calculated above, a FINANCE CHARGE of 3% will be charged for each cash advance. 5. OTHER CHARGES — The following other charges (fees) will be added to your Account, as applicable: \ a. Late Payment Fee. A late charge of $15.00 will be added to your account if you are late in making a payment. b. Return Check Fee. If a check or share draft used to make a payment on your account is returned unpaid, you will be charged a fee of $15.00 for each item returned. c. Collection Costs. You promise to pay all costs of collecting the amount you owe under this Agreement. These cost included reasonable attorney fees not in excess of 15% of the unpaid debt after default and referral to an attorney, not a salaried employee of the credit union, unless you borrowed $1,000 or less at an interest rate greater than 10% per year. 6. PAYMENTS — Each month you must pay at least the minimum payment shown on your statement by the date specified on the statement or no later than twenty-five (25) days from the statement closing date, whichever is later. If your statement says the payment is “Now Due," your payment is due no later than twenty-five (25) days from the statement closing date. You may pay more frequently, pay more than the minimum payment or pay the Total New Balance in full. If you make extra or larger payments, you are still required to make at least the minimum payment each month your Account has a balance (other than a credit balance). The minimum payment is 2% of your Total New Balance, or $15.00, whichever is greater, plus the amount of any prior minimum payments that you have not made, and any amount you are over your credit limit. The Credit Union also has the right to demand immediate payment of any amount by which you are over your credi t. 7. PAYMENT ALLOCATION — Subject to applicable law, your payments may be applied to what you owe the Credit Union in any manner the Credit Union chooses. 8. SECURITY INTEREST — If you give the Credit Union a specifi pledge of shares by signing a separate pledge of shares, your pledged shares will secure your Account. You may not withdraw amounts that have been specifically pledged to secure your Account until the credit union agrees to release all or part of the pledged amount. In addition, your Account is secured by all other shares you have in any individual or joint account with the Credit Union, except for shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law if given as security. You authorize the Credit Union to apply the balance in your individual or joint share accounts to pay any amounts due on your Account if you should default. Collateral securing other loans you have with the Credit Union may also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding anything to the contrary in any other agreement.       9. DEFAULT — 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. 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 wi 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 the Ctedit Union believes may substantially reduce your ability to repay what you owe.   When you are in default, the Credit Union 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, at the periodic rate charged before default, until what you owe has been paid, and any shares that were given as security for your Account may be applied towards what you owe. 10. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION — * VISA. You agred to notify us immediately, orally or in writing at 3720 E 31st, PO Box 4999, Tulsa, OK 74159-0999 or telephone (800) 237- 6211 twenty-four (24) hours a day, seven (7) days a week or (800) 234-8828 Monday through Friday 9:00 A.M. - 5:00 P.M., of the loss, theft, or unauthorized use of your Credit Card. You may be liable for the unauthorized use of your Credit Card. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft, or possible unauthorized use. You will have no liability for unauthorized purchases made with your credit card, unless you are grossly negligent in the handling of your card. In any case, your liability will not exceed $50. ,     MasterCard. You may be liable for the unauthorized use of your Credit Card. You will not be liable for unauthorized use that occurs after you notify us at 3720 E 31st, PO Box 4999, Tulsa, OK 74159-0999 in writing or venekt us at (800) 237-6211 twenty four (24) hours a day, seven (7) days 4 week or (800) 234-8828 Monday through Friday 9:00 A.M. - 5:00 P.M., of the loss, theft, or possible unauthorized use. However, if you exercise reasonable care in safeguarding your card from risk of loss or theft, have not reported two (2) or more incidents of unauthorized use in the last twelve (12) months, and if your account is in good standing, you will not be liable for any unauthorized purchase transactions. In any case, your liability will not exceed $50. 11. CHANGING OR TERMINATING YOUR ACCOUNT — The Credit Union may change the terms of this Agreement from time to time. Notice of any change will be given in accordance with applicable law. {f permitted by law and specified in the notice to you, the change will apply to your existing Account balance as well as to future transactions. Either you or the Credit Union may terminate this Agreement at any time, but termination by you or the Credit Union will not affect your obligation to pay the Account balance plus any finance and other charges you owe under this Agreement. You are also responsible for all transactions made to your Account after termination, unless the transactions were unauthorized. The Card or Cards you receive remain the property of the Credit Union and you must recover and surrender to the Credit Union all Cards upon request or upon termination of this Agreement whether by you or the Credit Union. The Credit Union has the right to require you to pay your full Account balance at any time after your Account is terminated, whither it is terminated by you or the Credit Union. If this is a joint Account, Section 17 of this Agreement also applies to termination of the Account. 12. CREDIT REVIEW AND RELEASE OF INFORMATION — You authorize the Credit Union to investigate your credit standing when opening or reviewing your Account. You authorize the Credit Union to disclose information regarding your Account to credit bureaus and creditors who inquire about your credit standing. If your account is eligible for emergency cash and/or emergency card replacement services, and you request such services, you agree that we may provide personal information.about you and your account that is necessary to provide you with the requested service(s). 13. RETURNS AND ADJUSTMENTS — Merchants and others who honor your Card 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 or more, it w be refunded upon your written request or automatically after six (6) months. 14. ADDITIONAL BENEFITS/CARD ENHANCEMENTS — The Credit Union may from time to time offer additional services to your Account, such as travel accident insurance, at no additional cost to you. You understand that the Credit Union is not obligated to offer such services and may withdraw or change them at any time. 15. FOREIGN TRANSACTIONS — * VISA. Purchases and cash advances made in foreign currencies will be debited from your account in U.S. dollars. The exchange rate between the transaction currency and the billing currency used - for processing international transactions is a rate selected by Visa from a 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. The exchange rate used on the processing date may differ from the rate that would have been used on the purchase date or cardholder statement posting date.   ° MasterCard. |f you effect a transaction with your MasterCard card ‘In’a eurrency other than U.S. dollars, MasterCard International Incorporated will convert the charge into a U.S. dollar amount.«RETURN1» «RETURN2» «ADDRESS$2»«ADDRESS1» «ADDRESS3» «ADDRESS4» «ADDRESS5» «ADDRESS6» «POSTNET» «BARCODE» CREDIT LIMIT: «CREDIT»«CREDIT2»«CREDIT3»«CREDIT4» ISSUED BY: «ISSUEDBY» Dear Cardholder: Your new Card Is enclosed. The Terms governing the use of this account are printed on the reverse side of this form or are enclosed. These Terms may be amended or supplemented by separate notices to you, including any notices you have previously received from us. The Disclosures required by federal law are set forth below or are enclosed, and we are also enclosing a separate statement containing important information regarding your rights to dispute billing errors. Keep these forms SO you Can refer to them if you have any questions regarding your account. Cards Account number «ACCT»   | DISCLOSURES REQUIRED BY FEDERAL LAW   1, FINANCE CHARGES: a)Calculalion Methods - Cash Advance: F Credit Purchases: G {Sse raverse side for calculation method descriptions). b) Periodic Rates used to compute FINANCE CHARGES- Cash Advances .991 % per month Credit Purchases: 991 % per month Corresponding ANNUAL PERCENTAGE RATES- Cash Advance: 1 1 1 90 % Credit Purchases: 1 1 . 90 % ¢) For Gash Advances obtained Over the Counter equal to or greater than $ 15,00 a FINANCE CHARGE equal to the grealer of § 1.50 or 3.00 % of the cash advance will be imposed; however this charga will not exceed $ 999.99 for each Over the Counler Cash Advance. For Cash Advances obtained al an Automated Teller Machine (ATM) equal to or grealer than $ 15.00 a FINANCE CHARGE equal To the greater of $1.50 or 3.00% of the cash advance will be imposed: however this charge will nol exceed $999.99 for each ATM Cash Advance. A transaction fee may also be imposed by an ATM operator, not holding your account, or by any national, ragianal or local network used to complete a Cash Advance transaction. 2. OVER LIMIT CHARGES; C Hear hall i iately pay the amount by which the total New Balance exceeds the maximum authorized credit, An Over Limit Charge equal to the greater of $0 .or 0 % of tha Amount evar limit, shall be imposed, not to exceed $0 (For California accounts see, Sec 9). 3. ANNUAL FEE: a) A non-refundable Annual Fee of $ 0 plus applicable taxes, shall be charged to your account, of - b) Using Plan O (see Sac. 11) An Annual Fee/FINANCE CHARGE OF $ 0 plus applicable taxes shall be chargad unless, for the time pariod analyzed, you charged more than $ 0 orhad more than 0 transactions an your card 4. MINIMUM PAYMENT: a) The minimum payment required is the New Balance shown on your statement if ine amount is aqual lo or lass than $ 10.00 5) Il the New Balance oxceeds $ 10.00e minimum paymantis 2.00 % of that Portion of the Now Balance which does not exceed your cred limil (rounded up to ihe naarest dolar), or 310.00 , whichever is greater, plus the entire portion of the Naw Balance in excess of your crecit limit, plus any Amount past che.   SEE REVERSE SIDE FOR MORE IMPORTANT DISCLOSURES 5. LATE CHARGES: If the minimum required payment is not received within «LINE13C» days afler the Closing Date subsequent to the payment Due Date, a late charge equal to the greater of $ 15.00 , or O % of the unpaid portion of the past due amount is imposed, but not to exceed $ 15,00, 6, Tho only FINANCE CHARGES assessed on your account other than those assestod by a pencxic rate, will be transaction FINANCE CHARGES in connection with Cash Advances, of Intemational Transaction Foes (0. cross-border andior currency conversion (ges) of up to 1%, which may quality a5 a FINANCE CHARGE {seo Hem O. on back), if part of your plan, Transactions FINANCE CHARGES for each Cash Advance will be imposed on the date the Cash Advance was posted lo your account No grace ponod applies on any transaction FINANCE CHARGE imposed for Cash Advances. 7, Documentary stamp taxos a3 may be required by law shall be imposed on-each Cash Advance at the time the loan is made. 8. The annual tee shall be traated as a Cred’ Purchase fer purposes of caloulaling FINANCE CHARGES, unless peohibited by law 9. In California 9 maximum of $10 in Over Limit Feas May be imposed with respect to any charge tnal causes the outstanding balance to exteed the credil lenit by $500 or 126 Pareant, whichever it fess No more than one over limit charge may be assessed within a Single monthly billing cycte 10. you have other loans or credit extensions trom Issuar, of take out other loans or erodit Oxtonsions wilh Issuer in the futuro, collateral securing those loans of cred axtensions will also secuse your oblgats under this agi t However, unless you axpressly agree cthonmise, your b hold goods and welling will nol secure your obligations under this agreement even if issuer has, or laler acquires, a secunty interest in the household goods of & mongage on the cwoling, f you have executed a wrilten agreement granting a security interest in any deposit accounts (checking, savings, or share accounts) of other funds held by Issuer to secure your obligalions under this credit card plan, such accounts and/or funds are additional security for your obligations to Issuer srieng ftom the use ol your Card 11. Annual Fee Plans; Yow Annual Foe waiver analysis, under the Plan noted in Section 3.b, only includes the following Iransactions: Plan 1: Gross Sales, Plan 2. Gross Cash Advances; Plan 3: Nel Safes: Plan 4+ Net Cash Advances, Plan §) Gross Sates plus Grass Cash Advance; Plan 6 Net Sales plus Nel Cash Advances (Note: Time period analyzed shall be prior 12 month period, however, initial time Porod may be loss 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),     NOTICE: See separate slatement for important information regarding your rights to dispute billing errors. IMPORTANT NOTICES *SIGN SIGNATURE PANEL ON THE BACK OF CARD(S) IMMEDIATELY. CARDS(S) MUST BE SIGNED TO BE VALID. *DESTROY OLD CARD(S) NOW. “SAVE YOUR SALES SLIPS FOR COMPARISON WITH YOUR MONTHLY STATEMENT. LOST OR STOLEN CARD CALL (727) 570-4881.   «URL»   «URL2»    PERIODIC FINANCE CHARGE CALCULATION METHODS The periode Finanes Charge Calculation Motned applicable to your gecount 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 tha Disclosute on tne reverse side and explained below. Method A - Average Daily Ball (imtuding current t 1's}, Tha Finance Charge on purchases begins from the date the transaction 15 POSled 19 your UccoUNt and the Finance Charge on cash advances begins from Ihe date you obtained (he cash advance, of ihe first day of the bling cyclo in which iL is Posted lo your account, whichever is later There ig no grace penod The Finance Chargos for a billing cycle are computed by applying the monthly Penodic Rate to the “average daily batanco” of your account Te get the Overage daily balance. we take the beginning bat of your @ach day, add any new purchases or cash advances, and Subtract any paymonts, credits, non-accruing fees, and unpad finance charges This gives. us (he daily balance Thon we add up all the daily balances for Ihe billing cycle and divide the total by tthe number of days In the billing cycte Melnod E - Average Daily Balance (oxcluging current transactions} To aveid incurring an additional Finance Charge on the balance of purchases (and cash advances if Method E is specified as applicable to cash advances) refi don your iy , YOu Must pay tha Now Baiance shown on your monthly statement on or before he Payment Due Date, The grace period for the New Balance of purchases extends fo ine Payment Due Dato. The Finance Charges for a billing cycle are computed by applying ine moninly Periodic Rate to tha“ ga daly bat “el purchases (and if applicable, cash advances) To get the average daily balance, wa take the beginning balance of your account each day and subtract any paymonts, credits, non-accruing fees, and unpaid finance charges We do rol add in new purchases or cash advances This gives us ihe daily balance Then wo add up ail tha daily balances for ihe billing cycle and duide the lolal by the numbor of days in the tilting cycie                 Method F » Average Daily (inchating current transactions) To avoid incurring an additonal Finance Charge on the baginaing tal of cash ‘es (and purch HW Method F is specified as applicable to Nected on your ly . WOU Must pay the Beginning Balance shown on your moninly statement on or bofore Ihe Paymont Due Dale No grace pared is provided for current cycle transactions Tha Finange Charges for a tilling cycle ate computed by applying the monthly Penodic Rate to the “avetage daily bat, “of cagh ad (and if . Purchases), To gel the average daily balance, wa take tho beginning balance of your account each day, add any néw purchases or cash advances, and subtract uny payments, credits, mon-sccanng fos, and unpaid finance charges . This gives us tho daity batance, Then we add up all tne daily balances for Iha biling cyela and dinde the total by the number of days in the billing cycle. Molhod G « Average Daily Balance (iichiditea current transactons) To avoid incuring an additional Finance Charga on the balance of purchases {and cash ad uM Gis specified as apphicabla to cash advances) collected on your monthly statement ang, on any rew purchases (and if pplicable, cash ad 1] 9. On your meat monthly statement, you must pay the Now. Batance, shown on your month'y statement, on of bafare tho Payment! Due Date The grace period for the Now Batanco of Purchases extends io Ihe Payment Oue Date The Finance Charges tor a billing cycte are computed by applying Iho ¥ Periodic Rate to the “average daily balance” of purchases (and if applicable, cash advances). To'got the average daily balance, we take the beginning balance of your account each day, add any new purchases or cath advances. and any pay . credits, noa-ae 9 fees, and unpaid financa chargos, This gives us tha daly batance Thon we add up all the daily balances for the biting cycle and divide the total by the number of days in the biting cycio         TERMS GOVERNING THE USE OF YOUR CARD The person ("Cardnoktio’) whose name it embossed on the face of the VISA (Card') enclosed herewith, ang each Cardnotdor, in the evant mere than one Card is entiosed herewith bearing the Same account number, by signing or using said Card, receipt of whith is acknowlodged, agrees with the Issuer of he Card whose name is printed on the roverse ("Issuer") as follows A, Goods and services (“Crodt Purchases”) may be purchased or loasad by moans cf such card by Cardhotder trom any retail Busness establishment (stiler) who honers tame upon the             execution ofa sales sip evidenang such Crodit Purchases and bearing the account ber of C dor don the face of such Card Addtronally, VISA Cash Ad (Loans) may be obtained through use of such Card (a) upon execution of 3 whtten req of C ina form ft toc from any fi i tution that is 3 » ONY OF IN association with others, of VISA USA Inc. and (b) upon execution of a written separate agreement with Issuer for a VISA It financing ag ant if offared by Issuer: 8 Cardholder shail be lable and agrees to pay Issuer for Croad Purchases made by, or for Loans extenced to, Cardhoider o¢ anyone elsa using such Card unless tho 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 Carsholder ncaives no benefit Additionally, Cardholder shall be jointly and severally lable and agrees to pay for al Credit Purchases and Loans obtained through the use of any other Card bearing Cardholder's account number that has beon issued (0 anather person by feason of such person being a member of Cardholder's family, of otheewise issued upon Cardhotiers request (a! such Cards bearing the VISA account! eumber hereinafier collectively called (Related Cards’), C, Carcholder ages % Pay to Issuer an annual membership fee (as stated in the Disclosures on the foverse) for parncipabon in tha Issuer's eredit card plan Such annual membarship fee shall be imposed whathar or nat Cardnatger uses Ihe card to obtain credit purchases and loans. Tho membership fee shail be charged to Cardholder's account each year in tha month of Issuer's choice. The membership (a@ is net relundable in the event of termination of the accaun! by either Cardholdar or Issuer uninss otherwise Provided for by lan. 0. Each Card is the property of Issuer, is not Wansferable and mus! be Suttandered upon damand. It can be canceled a5 well as tepossossod by Issuer or its designes, and the grivileges thereof fevoked, at any time without price 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 lhe limit established by issuer. F Ali Credit Purchases ang Loans are effected at tha option of the Seller ang Cash Advancing Fi Hinstitutian resp iy. and Issuer shall not bo responsible for rifusal by any Seller or Cash Advancing Financial Insttuhon to honor the Card or any Related Card Any refund, adjustment or credd allowed by Sellar shall not be by cash bul rather by 3 credit advice tc [ssuer which shall be shown as a credit on Cardholvor's account staloment with Issuor, G. tssuer will send to Cardnolder, at monthly intorvals determmned by Issuer, a statement reflecting for the pros monthly patiod all VISA Card and Rotated Card transactions. Such statement shall be deemed cortect and accepted by Cardholder and all hokters of Related Card Unless Issutr is nated to the contrary in writing within 60 days of mailing 6f such statement Cardholder will Pay such statement by rimitting to Issuer wilhin 25 days of the closing dale reflected an tha Hatoment olher the full amount billed of, at Cardholder's Option, an UT] equat to at Jeast the required funimum payment slated in Section 4 on the reverse H, Interest on Loans and Credit Purchases will be charged in accordance witn the finance charge calculation method referred to in Saction 1 of the disclosures on Lhe reverse side. The rate of interest shall be establishad by Issuer from time to time, but shall never excead the maximum rale permitied by law. The current interest rale per annum is the Annual Percentage Rate set forth in Section 1 of the Disclosures an the reverse side, 1 Hine card isc ied or ind by Issuer, oft Cardholder defaults in any payment due, or is deceased banktupt or vent, of any Ament org tant proceedings are inated against Cardholder or his propeny, fssuer may olect to declare all amounts thon owed (o Issuer to be i ly duo and payable without notice or demand of ony kind If Carghotder has other loans from Issuer, of takes out other loans wilh Issuer in the future, collateral securing those loans will also secure the Cardhol Ms Obhg under this ag However, unless the Cardholder oxpressty agrees ath . tho Cardholder's household goods and welling will not secure Cardholder's obligations under this agreament even if Issuer has or later acQutes a-secunty inthe h goods oF a mortgage on Iho dweting Corchslder agrees to pay all costs incurred by Issuar in collecting Carcholder’s ind $5 OF in ent g this ay i. a reasonable allomey's fees and also those cos!s, expenses and allomay’s feas incurred in appetate, bankrupley and Post-judgement proceadings, except to tho extent such costs, fees or expinses are protubited by linw. J This agreement may be amenitod from time to time by Issuer by written notice matted to Gardnolder at Cardholder's last known address. K. Except to the extent thal Federal law is applicable, the validity, o: 20n aired ent of (his agreement and all matters arising out of the issuance and use of the Card shall be governed by the laws of (he slate in‘ which the Principal office of Issuar is iecatad |. Additional charges, plus applicable taxes, may also be assessed i! YOu Pay us wilh a check not honored by your financial inshitution, request a copy of a document, request a replacement card or se your card for a transaction at an aut taller machine, if sush charges are not prohibited by law or ulation. No finance Charge will bo assessed on such additional charges M Ifitis bateved that ine Card has been lost or sto'on or used inan unauthorized manner, the Cardholder shat contact tssuer AT ONCE, in order to minimze possible losses. in most cases, the Cardhotder will not be liable for any unauthorized ransactions unless it 15 thal tha Cardholder was grossly negligent o¢ traudiulentin the handling of the Card. Notification ¢an be made orally of inwrbng at Credit Card Secunty Dopartiment Telephone Number P.O. Box 30035 (727) S708 Tampa, Florida 33630 N. Cardholder agrees tnat Issuer, its agents of service companies May monitor andor tecord any telephone communications with Cardnolder ©. Paymants must ba mage to the Issuer in U.S. dotlars orawn On BUS Financial institution, Mf Cardholder incurs charges in any olher currency, the charges will be converted into U.S. dollars. Tha oxchango rate for & ina foreign y will bo a rate selected by Visa from the Fange of rales avatlable in wholesale currency markets for the applicable central processing dale, which rate may vary from tho rate Visa itself Wes, OF the gove dated rate in affect for tho applicable cantral Processing date. All transactons in foreign countries will be subject toa 1% conversion oF processing faz P Issuer shall have see discretion in how Payments are apphed to cardholder's account, Issuer may accepl checks marked "Payment in Full" or wilh words of similar effect withoul losing any of Issuor’s rights to collect the full balance of Cardholders account ©, Issuer can fenvesigate and reavaluate any inf VC. p don C: 3 eredit application at any lime, and in the course of doing so, Issuer may ask Cardholder for addtional information, requast credit bureau reports andfor othorwi verily Carelt ‘$ current credil standing. R. Cardholder agrees that Issuer may re-rataase information to. others, such as credit bureais, regarding the slatus and history of Cardholder's account, However, Issuer is not obligated to release any such information to anyone unless Issuer is requited by law to. do so S$. Cardholder agroes thal Gardholder's account shall be subject to all applicable rules and regulatigns of VISA U.S.A. Inc., as applicable, as well as ali applicable laws. If there is any conflict bet 1 the prow Of this Agreemen| and the rules and feguintions of VISALIS.A Ine the rules and regulations of VISA U.S.A. Inc. shall control. Your Visa Card May not be used for any illega’ Transaction(s)                                   ISSUED ON: «PDATE» eINSERT1s c<INSERT2» sINSERT3» «INSERT4: «INSERTS» «INSERT6x 10-14-09 mbsdal docDear Cardholder: Your new Card is enclosed. The Terms governing the use «RETURN1» of this account are printed on the reverse «RETURN2» side of this form or are enclosed. These Terms may be amended or supplemented by separate notices to you, including any notices you have previously received from us. The Disclosures required by federal law are set forth below or are enclosed, and we are also enclosing a separate statement containing important information regarding your rights to «ADDRESS2»«ADDRESS1 » dispute billing errors. Keep these forms   «ADDRESS3» $0 you can refer to them if you have any «ADDRESS4» uestions regarding your account. «ADDRESS5» «ADDRESS6» «POSTNET» «BARCODE» CREDIT LIMIT: «CREDIT» «CREDIT2»«CREDIT3» «CREDIT4» Cards Account number ISSUED BY: «ISSUEDBY» «ACCT» DISCLOSURES REQUIRED BY FEDERAL LAW   1. FINANCE CHARGES: 5, LATE CHARGES: If the minimum required Payment is not received within 3)Calculation Methods - Cash Advance: F Credit Purchases: G «LINE13C» days after the Closing Date subsequent fo tha payment Due Dats, a fate (See reverse side for cal method dascriptions), charge equal (o the.greater of $ 15,00 . or 0 % of ihe unpaid portion of the past dua 4) Ponodic Rates used to compute FINANCE CHARGES: amount is imposed, but nol to exceed $ 15,00, Cash Advances.825 % per month Credit Purchases: B25 % per month &. The enly FINANCE GHARGES sssessed on your account othar than those assessed by Corresponding N ATES- ® periodic rate, will ba transaction FINANCE CHARGES In connaction wilh Cnah 9 9 0 9 9 0 Advances, of Intemational Transaction Feas (io. cross-border and/or currency conversion Cash Advance: 7. % Credit Purchases: 7 . % (908) of upto 446, which may qualify as a FINANCE-CHARGE (sae item 0, on back), if part Of yout'slan. Transactions FINANCE CHARGES (or each Gash Advanca will bo imposad ¢) For Cash Advances obtained Ovar Ihe Counter equal lo of greater than $ 15.00 a an the dato the Gash Advance was posied to your-accounl, No grace paritd applios on           FINANCE CHARGE equal to the greater of § 1.60 or 3,00 % of the cash Any lfansaciion FINANGE CHARGE Imposed for. Cash Advances. di will be imposed; this charge will not exceed $ 999.99 for each Over 7. Documentary stamp taxas as may be required by law shall be imposad on each Cash the Counter Cash Advance. For Cash Advances obtained at an Automated Taller Machine Advance at the time the loan is made, (ATM) equal lo of greater than $ 15,00 a FINANCE CHARGE equal To the greater by alder ony pent shee Purchase for purpesos of caleulating of $1.50 of 3.00% of the cash advance will ba imposed; NANCE CHARGES, un $6 prohibilod by law, ; Nowowvde this charge will nol-axcaud $999.99. for each ATM Gash Advance, A transaction pls sr peel of $49 ig heal Feas bid te Bcnrins we conpedt to any py ean akibe ia ay peer el not holding your account, or by eny national, regional pereant whichever is lose. No more {han one over limit chargo may bo assessed within a of local nat used to complete a Gash Ad t fl on : be : 2. OVER LIMIT CHARGES: Cardholder shall immediately pay the amount by which the total Frist als cc eH AaARNORD in edi 6 lin cl Sabet ose Ree we sulhorized creat An Over Limit Charge equal to extensions with Issuer in tha fulura, collateral secuting ihose loans oc crevit extensions will (he greater of $0 or O %.of the Amount over iimit, shall be imposed, also secure your obligations under this agreemanl Howovor, unless you exprossly ageea nol to exceed $0 (Far California accounts see, Sec, 9), olharwise, your household goods and-dwalling will notsacuro your obligations under {his 4, ANNUAL FEE: agreement oven df Issuny hos, or lator noquiros, 3 securily Interest inthe household goods a) A non-efundable Annual Fea of § 0 plus applicable taxes, shall be charged to oF a morgage on the dwelling. If you have oxeculed a wiillen agreement granting a your account, or - securily inlerout in-any deposit accounts (checking, savings, or share accounts) or oiher b) Using Plan 0 (see See. 11) An Annual Fea/EINANCE CH OFS 0 funds held by Issuer to secure your cbligalions undor Ins credit card plan, such accounts > s8CuF0 your obligations unde plus applicable laxes shall be charged Unloss, for the lime.period analyzed, you charged mors than and/or funds are additionnl ty for-your obligations: to Issuer arising from tho use of $ 0 or had more than O transactions on your card, your Card. ; ; 4. MINIMUM PAYMENT: 11, Annuai Fea Plans: Your Annual Foo Wwalver analysis, under the Plan notedin Section a) The minimum payment required is the New Balance shown on your statement if the pects Sewstiged ae Sains: hay 4: Nel Goch Aster Pies Eee ee amount is equal to or less than $ 10:00 i be S) Pi i Pea ‘ ‘ : : “Ti b) if tho New Bat oxceeds $ 10,000 minimum payment is 2.00: % of that Cash Advance; Pian 6: Nol Sales plus Not Cash Advancas (Noto: Time porlod analyzed : shall be prior 12 month poriod! however, Inillal-tima Pariod may'be loss than 12 months as portion of the New Batance which does nol exceed your cradit limit (rounded up to the it bogins on the date you were nolified of this program. Annuul Foas shall nol ba walvod (er nearest dollar), or $10.00 , witichover is greater, plus tha entire portion of the New cardholders in default), Bsiance In excoss ot your ceadit limit, plus any amount past due. SEE REVERSE SIDE FOR MORE IMPORTANT DISCLOSURES. NOTICE: Sea separate siatement for important information regarding your rights lo dispute billing errors, IMPORTANT NOTICES (SIGN SIGNATURE PANEL ON THE BACK OF CARD(S) IMMEDIATELY, CARDS(S) MUST BE SIGNED TO BE VALID. “DESTROY OLD CARD(S) NOW. “SAVE YOUR SALES SLIPS FOR COMPARISON WITH YOUR MONTHLY STATEMENT. LOST OR STOLEN CARD CALL (727) 570-4881. «URL» «URL2»PERIODIC FINANCE CHARGE CALCULATION METHODS The periodic Finance Charge Cealtulation Method applicable to your account for Cosh Adviness.and Credit purchases of goods and services that you obtain through the use of your Card is specified in Seclion 1 on the Disdosure on tho revi $0 site and oxplained below, Molhod A» Average Daily dalance (including current tratisactions). The Finance: Chargaon purchases begins from tha.dale the lransaction is.pestod to, your account and (he Finance Charge on cash advances begins (rom the dale. you ebtained the cash advances, or the first day of tho billing eyéte In.which it is posted lo-your.accounl, whichovar Is lalor, There is no grace poriod. The Finance Charges fore billing cycle aro computed by applying the monthly Periodi¢ Rate tothe “average daily balance" of your account, To g@\ tho average dally balance, wo take the beginning balance of your aceounl each day, add any naw purchases of cash advances, and subtract any Payments, credits, nonsaceruing fees, end unpaid finance.chatgas. This gives us the daily balance. Then wo add up all the dally bilances for ha billing cycle-and divide the (otal by the number of daya In the billing cycle. Method E - Avorago Baily Balance (oxcluct 9 current transactions). To aveld incutting tin additional Finance Charge on the balance of purchases (and cash advances if Method E is specified as He licablo 9 cash advances) reflected on your monthly statement, you must pay lho New Balance shown on your monthly statement on or before the Payment Due Date, Tho grace period for the ‘ows Bist : he } Tho Finance Ghargos for @ billing cycle are computed by applying the monthly Periodic Rate to the “averaga dally balance" af purch (and if-appiicablo, cash advances}. To gotihe average dally balance, we take the beginning balance of your account éach day and subirnel ary paymonts, Sfadits, non-acenuing fees, and unpaid finance charges, Wo do net edd in-now purchases or cash advancas; This givos us the daily balance. Then wo add up all tho daily balances for the billing cycle and divida tha total by tho number of days jn the billing cycle               Method F - Average Dally Bolance (Including current tr 18). Tolaveid incuxring on additional Finance Charge'on the beginning balance of cash advances (and purchases, if Molhod F is spucified as applicabia to purchases) flected on your monihly , YOU must pay |ha-Beginning Balance:shown on'your monihly slatemont on or balove (he Payment Due Date: No grace Pariod is provided far current Tipe Kensaciiors, The Finance Charges for;a billing cycle ara computad by applying (he moathly Pariodic Rate 10. tho "average Sgily balance” of cash ad {ard if applicab! hases). To gel tho average     dally balance, wo tako the beginning balance of your account each day, add-any new purchases of cash advances, .and subiract any Paymanis, credits, non-acerving faas, and unpaid finance — charges , This gives us the daily balaneo. Than wa-odd up ail Ihe daily balances for the billing ‘end divide the total by ihe numbar of days in'tho billing cyclo. Mathod G - Average Daily Bal (incluging current transactions), To avoid-incurring an additional Financa Charge on tho balance of purchases (and cash advances, if Malbod G is:spacified as applicable to cash advances) reflected Son. your monthly slatoment and, on any new purchases (and if applicable, cash advances} appearing on your neal monthly sialemon|, you must pay tho. Now Balance, shown on your monthly statemant,on or belore the Payment Due Dale. The grace Poried for |ho Now. Balance of purchases extonds to tha P y Due Data, The Finance Charges for a billing cyclo are ip by applying ihe ly Porlocic Rate to the “average daily blanca” of purchases (and if applicable, cash adve ncos), To.gel iho avarag daily balance, wetske Ihe beginning bal of your account each day, add any Now purchases of cash ad ji Bnd sUbIract any paymants, credils, no: ing fees, and unpaid finance charges, This givas ustha daily balance, Thari wa ade up-all the daily balances for the billing cycle and die the lolal by the number. of days in the billing cycle.             TERMS GOVERNING THE USE OF YOUR CARD                  ‘The parson ("Cardholder") whose namo is ambossed on the face of the VISA ("Card ancl dh lb, ard each ¢ inthe event mora than one Card is.encosed Herawith baaring the Samo account number, by sighing or using said iC ard, receipt of which is acknowledged, agtees wilh tho Issuer of the Gard whose name is printed on Lha reverse ("Issuer") as folliws A. Goods and services ("Credit Purchases") may be,purchased ot loased by-means of such curd by Cardholder from any! rotall ot") who honors:some upon iho execulion ofa sales slip evidencing such Credit Purchases and bearing tho account nuimbor of Cardhotda ambos VISA Cash Advancas ("Loans") may be obtained through use.of such Card (a) Upon axecution of a written raquastal in afofm tumished to Card a ef, alone of in association with others, of VISA.U.S.A Ine. and (b) uporexocution of a-writtan mant-with Issuer fora VISA avare     &-Gardnoider shall ba liable and agtoos to pay (ssuar foriGrodit Purchases mad   " sich ts ‘ " oF inily end severally fable and agraes to Pay forall Credit Purchases and Loang obiainod th igh lie use of any Diner Card bearing Cardholder's account number that has bagn Issued to arialher person by raszon of such person baing a mambor of Gardholdar's family, or othonwise issued upon Cardholders request (all such Cards beating (he VISA account number hereinafter collactively n credit purchases and loans. Tha membership feo shall be chargad to\Cardholder's:acrount each yaar in lhe month of Issuer's choice, The ip fee is not refundable in.the event of{ermination ofthe acc iby either Cardholder or ssuoruniass ctharwise provided for by law,     F. All Gradit Purchases and Loans are effected al the option of the Sellar snd Cash Advancing Financlal 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 bul rather by a credit advice to Issuer which shall be G, Issuer will send lo'Cerdnoldos, al monthly Intervals determined by Issuer, a statement reflecting for the prior monthly period all VISA Card and Related Card transactions, Such statement shall be doomed ¢orract and Sccaplad by Cardholder and ail holders of Relaled Card unless lssuer is notified to tha cantrary in wrillng within 60 days of mailing of such statement. Cardholder will pay such statement by comilling to [ssuor within 25 Way's of tha’ closing date reflected on the stalemant either tha full amount billed or, at Cardholder's option, an installment equal lo al leasl the required H, Interest on Loans and Credit Purchases will bo charged In accordance wilh tha finance charge calculalion method referred lo in Section 1 of the disclosures on the reverse side. The rate of fi : 7 interest shall ba eslablishad by Issuer from time to time, but shall never exceed Ihe: maximum rate permilted by law. The current interest rate Per annum is the Annual Percentage Rate set forth in Section 1 of the Disclosures on tho reverse side.               NW tive eared is cancolod o¢ surrender ix demansed by Issuer, or if Cardiokter defaults in Say payment due, of ind i, bankrupt or. insolent, or-any allach -Of garnishment procaadings are initiatod against Cardholdor o¢-his Property, Issuer may alect to devinre allamounis than owed lo Issuer lo ba | dintely duo and payable without notice or demand of any kind. I Cardholder has: other foans from Issuer, or takes oul other loans wilh Issuat in the future, collateral socuring those lawns will atsosecura Ihe Cardholder's obligations under this. agreement. However, urloss tho Cardholder oxpressly agraes elharwise, the Cardholder's household goods and dwelling will not Secure Cardholder's obligations under this io oven if Ioeuer has or later acquires a security interest In the household goods ofa mortgage on tho dwalling, Cardholder agrens lo pa all costs. incurced by Issuer in collect 9 Cardholder's indabledness or in onforeing this: agreement, including sp ri and also those cosis, expenses and atiornay’s fens incurted in appell a, bankruplcy:and poslJudgemant procondings, oxcepl to the extent such costs, fees:or axpansas afe prohibited by law, J. This agreement may be amended fram lime lo lime by Issuer by written notice mailad to Cardholder at Cardholder's lasl known address, K. Except to the extent that Federal Jnw is. applicable, the validily, co iruction ond enforcement af this agreement-and all matter's arising out of the issuance and use of the Card shall be governed by the laws of ihe state ih whieh the principal office.of Issuar is tocatad, L. Additional charges, plus spplicable taxos, may also bo assessed i! you pay us wilh 4 choch nol honored by your:financlal Institution, fequest-acopy of a document, roquest replacement card or use your card (ora transaction at an aut d Icllor. machine, if auth charges aren prohibited by law or regulation, No-financa Sian be assossed on such edditional charges, M. iF ibis balioved thal the: Card has-beon lost or stolen or-used In'en unauthorizad ‘or, the Cardholder shall contact Issuor AT ONCE, In otdar fo minimize possible losses, In most cases, the Cardholdar will not-be liable for. any unauthorized lransactions untoss jt [s determined that the Carcholder.was grossly negligant or Iraudulent in the handling of tho Card, Nolification can be made orally oF in writing at Credit Card Security Oopartment Tolepherie Number 7 P.O, Box 30035 (727) S70-nga4, : Tampa, Fistida 33630 N, Cardhelder agrees thal Issuer, Ils agents Of service. companies may monitor andlor recard any. lelephone communications with Cardholdar, O, Payments musi bo nisae-1o the Issuer inv U.S, dollars'drawn on a U.S. Financial institution. Il Cardholdor incurs. charges in any olher currency, tha charges will be convarted into U.S, doliars. Tho exchange rato for i lions in a foreign currancy will be arate salecied by Visa from the range of rates available in wholesal ¥ markets for the applicable central processing data, which rate may vary from the rale Visa itself rocelves, or lhe govarnmont mandatad fala In elfact forthe applicable central processing dale, All transactions in foreign countries will ba subject loa 1% conversion of procassing fea, P. Issuer shall have sole di fon in how pay are applied to cardholder's account, Issuer may accep! checks marked "Payment in Full" or with words of similar effect wilhout losing any of tssuar's rights to collact tha full balance of Cardholder's account. Q. Issuer can reinvestigato ond reavaluaia ay. information Cardholder provided on Cardholder's cradit application at any.timezand In the sourse of doing:go, Issuer may ask Cardheldaritar additlonal information, tequest crodit beau reports and/or olhepwiso verily Cardholder's current crodit sanding, | R. Cardholder agroes thal lesuer may re-reloase information.to others, such as cradit bureaus, rogarding the-stalus and hllory of Cardholier's-accaunt, However, Issuar is NOL obligaled to. release any such information to.anyono unless Issuer is required by law lo do so, : 7 $, Cordholdor ayreos thal Cardholder's account shall ‘be subecti(o all applicable rules and regulations of VISA U.S.A Inc., Se-dpplisebla, as well:as-all, applicable laws. ikthore ig any contilct batwaen the provisions of this Agraemeni afd the rules and regulations of VISA.U.S.A Ino, the rules and reguiations.of VISA-U:S:A. Ine. shall control, Your Visa Gard may-riol by used tor any illegal vansaction(s),               ISSUED ON: «PDATE» «INSERT{s «INSERT2+ «INSERT3» «INSERT4» «INSERT5» «INSERT6» 10-14-09 mbsdal,doc«RETURN1» «RETURN2» «ADDRESS2»«ADDRESS1» «ADDRESS3» «ADDRESS4» «ADDRESS5» «ADDRESS6» «POSTNET» «BARCODE» CREDIT LIMIT: «CREDIT» «CREDIT2»«CREDIT3»«CREDIT4» ISSUED BY: «ISSUEDBY» Dear Cardholder: Your new Card is enclosed. The Terms governing the use of this account are printed on the reverse side of this form or are enclosed. These Terms may be amended or supplemented by separate notices to you, including any notices you have previously received from us. The Disclosures required by federal law are set forth below or are enclosed, and we are also enclosing a separate statement containing important information regarding your rights to dispute billing errors. Keep these forms so you can refer to them if you have any questions regarding your account.     Cards Account number «ACCT» DISCLOSURES REQUIRED BY FEDERAL LAW 1, FINANCE CHARGES: a)Calculation Methods - Cash Advance: A Credit Purchases: A (See reverse side for calculation method descriptions), b) Periodic Rates used to compute FINANCE CHARGES- Cash Advances .991 % per month Credit Purchases: .991 % per month Corresponding ANNUAL PERCENTAGE RATES- Cash Advance: 8 . 34 % Credil Purchases: 8 e 34 % c) For Cash Advances obtained Over the Counter equal lo or greater than $ 15.00 a FINANCE CHARGE equal to lhe grealer of $ 1.50 or 3.00 % of the cash advance will be imposed; however this charge will not exceed $ 999.99 for each Over the Counter Cash Advance. For Cash Advances obtained at an Aulomated Teller Machine (ATM) equal to or grealer than $ 15,00 a FINANCE CHARGE equal To the greater of $1.50 or 3.00% of the cash advance will be imposed; however this charge will not exceed $999.99 for each ATM Cash Advance. A transaction fee may also be imposed by an ATM operator, not holding your account, or by any nalional, regional or local network used to complete a Cash Advance transaction. 2. OVER LIMIT CHARGES: Cardholder shall immedialely pay the amount by which the total New Balance exceeds the maximum authorized credit. An Over Limit Charge equal to the grealer of $0 ,or 0 % of the Amount over limit, shall be imposed, not to exceed $0 (For California accounts see, Sec, 9) 3. ANNUAL FEE: a) A non-refundable Annual Fee of $ 0 plus applicable taxes, shall be charged to your account, or - b) Using Plan 0 (see Sec. 11) An Annual Fee/EINANCE CHARGE OF $ 0 plus applicable taxes shall be charged unless, for the time period analyzed, you charged more than $ QO orhad more than 0 transactions on your card, 4. MINIMUM PAYMENT: a) The minimum payment required is the New Balance shown on your stalement if the amount is equal to or less than $ 10,00 b) If the New Balance exceeds $ 10.00e minimum payment is 2.00 % of that portion of the New Balance which does nol exceed your credit limit (rounded up to the nearest dollar), or $10.00 , whichever is greater, plus the entire portion of the New Balance in excess of your credil limit, plus any amount past due SEE REVERSE SIDE FOR MORE IMPORTANT DISCLOSURES 5. LATE CHARGES: If the minimum required payment is nol received within «LINE13C» days after the Closing Date subsequent to the payment Due Date, a late charge equal to the greater of $ 15.00 , or 0 % of the unpaid portion of the past due amount is imposed, but not lo exceed $ 15.00. 6. The only FINANCE CHARGES assessed on your account other than those assessed by a periodic rate, will be transaction FINANCE CHARGES in connection with Cash Advances, or Internalional Transaction Fees (i.e. cross-border and/or currency conversion fees) of up to 1%, which may qualify as a FINANCE CHARGE (see item O. on back), if part of your plan. Transactions FINANCE CHARGES for each Cash Advance will be imposed on the date Ihe Cash Advance was posted to your account. No grace period applies on any transaction FINANCE CHARGE imposed for Cash Advances 7. Documentary stamp taxes as may be required by law shall be imposed on each Cash Advance at the time Ihe loan is made, 8. The annual fee shall be treated as a Credit Purchase for purposes of calculaling FINANCE CHARGES, unless prohibited by law. 9. In Califomia a maximum of $10 in Over Limil 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 lhe future, collateral securing those loans or credil 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 inlerest in the household goods or a mortgage on the dwelling. IF you have executed a wrilten agreement granting a securily 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 accounls and/or funds are addilional security for your obligations to Issuer arising from the use of your Card. 11, Annual Fee Plans: Your Annual Fee waiver analysis, under the Plan noled in Section 3.b, only includes the following transactions: Plan 1: Gross Sales; Plan 2: Gross Cash Advances; Plan 3: Net Salas; Pian 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) NOTICE: See separate statement for important information regarding your rights to dispute billing errors IMPORTANT NOTICES “SIGN SIGNATURE PANEL ON THE BACK OF CARD(S) IMMEDIATELY. CARDS(S) MUST BE SIGNED TO BE VALID. *DESTROY OLD CARD(S) NOW. “SAVE YOUR SALES SLIPS FOR COMPARISON WITH YOUR MONTHLY STATEMENT, LOST OR STOLEN CARD CALL (727) 570-4881. «URL» «URL2»PERIODIC FINANCE CHARGE CALCULATION METHODS The periodic Finance Charge Calculation Method applicable to your account for Cash Advances and Credit purchases of goods and services that you oblain through the use of your Card is specified in Section 1 on the Disclosure on the reverse side and explained below: Method A - Average Dally Balance (including current Iransactions), 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 itis 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 lhe 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 Ihe total by the number of days in the billing cycle. Method E - Average Daily Balance (excluding current transactions). To avoid incurring an addilional Finance Charge on the balance of purchases (and cash advances if Method E is specified as applicable to cash advances) reflacted 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 Dua Date, The Finance Charges for a billing eycte 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 statament 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 subtracl any payments, credils, non-accruing fees, and unpaid finance charges. This gives us the daily balance. Then we add up all (he daily balances for the billing cycle and divide the lotal 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 exaculion of a sales slip evidencing such Credil Purchases and bearing the account number of Ciardholder embossed on the face of such Card. Addilionally, 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 lo Cardholder from any financial institution that is a member, alone or in associalion 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 shail 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 benefil. Additionally, Cardholder shall be jointly and severally liable and agrees lo 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 olherwise issued upon Cardholder's request (all such Cards bearing the VISA accounl number hereinafter collectively calied ("Related Cards"). C, Cardholder agrees lo 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 terminalion of the account by either Cardholder or Issuer unless otherwise provided for by law. D. Each Card is the properly of Issuer, is nol 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 nolice. E. Cardholder shall not use the Card or permit the use of Related Cards to obtain Credit Purchases or Loans, which will increase Cardholder's indebtedness to Issuer to an amount in excess of the limit established by Issuer. F. All Credit Purchases and Loans are effected at the option of the Seller and Cash Advancing Financial Institution respectively, and Issuer shall not be responsible for refusal by any Seller or Cash Advancing Financial Institution to honor the Card or any Related Card. Any refund, adjustment or credil allowed by Seller shall nol be by cash but rather by a credil advice to Issuer which shall be shown as a credit on Cardholder's accounl statement wilh Issuer. G. Issuer will send to Cardholder, at monthly intervals delermined by Issuer, a stalement reflecting for the prior monthly period all VISA Card and Related Card transactions, Such statement shall be deemed correc! and accepted by Cardholder and all holders of Relaled Card unless Issuer is notified to the contrary in writing within 60 days of mailing of such stalement. Cardholder will pay such Statement by remitting to Issuer wilhin 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 leasl the required minimum payment staled in Section 4 on the reverse. H. Interest on Loans and Credil Purchases will be charged in accordance wilh the finance charge calculation method referred to in Section 1 of the disclosures on the reverse side. The rate of interest shall be eslablished by Issuer from time to time, but shall never exceed [he maximum rate permilled 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, |. If Ihe 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 oul other loans with Issuer in the fulure, collateral securing those loans will also secure (he Cardholder's obligations under this agreement. However, unless the Cardholder expressly agrees otherwise, the Cardholder's household goods and dwelling will nol secure Cardholder's obligations under this agreement even if Issuer has or later acquires a securily 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 feas and also those costs, expenses and altormey’s fees incurred in appallate, bankruptcy and post-judgament proceedings, except to the extent such costs, fees or expenses are prohibited by law, J. This agreement may be amended from time to time by Issuer by wrilten notice mailed to Cardholder at Cardholder's last known address K Except to the extent that Federal law is applicable, the validity, construction and enforcement of this agreement and all matter’s arising oul 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 localed. L. Addilional charges, plus applicable taxes, may also be assessed if you pay us wilh a check not honored by your financial institution, request a copy of a document, request a raplacement card or use your card for a transaction atan automated teller machine, if such charges are not prohibiled by law or regulation. No finance Charge will be assessed on such additional charges. M. If itis believed that the Card has been fost or stolen or Used in an unaulhorizad manner, the Cardholder shall contact Issuer AT ONCE, in order to minimize possible losses. In most cases, the Cardholder will nol 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 Securily Department Telephone Number P.O. Box 30035 (727) 570-4881 Tampa, Florida 33630 N. Cardholder agrees that Issuer, ils agents or service companies may monitor and/or record any lelephone 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, lhe charges will be converted inlo U.S, dollars The exchange rate for transactions in a foreign currency will be a rale selecled by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary fram the rate Visa itself receives, or the government mandated rate in effect for the applicable central processing date. All lransactions in foreign countries will be subject lo a 1% conversion or processing fee. P. Issuer shall have sole discretion in how payments are applied to cardholder's accounl, Issuer may accept checks marked “Payment in Full" or wilh words of similar effect without losing any of Issuer's rights to collect the full balance of Cardholder's account. Q. Issuer can reinvestigate and reevaluate any information Cardholder provided on Cardholder's credit application at any time, and in the course of doing so, Issuer may ask Cardholder for additional information, request eredit bureau reports and/or otherwise verify Cardholder's current credit standing. R. Cardholder agrees thal Issuer may re-release information to others, such as credit bureaus, regarding the stalus and history of Cardholder's account, However, Issuer is not obligated to release any such information te anyone unless Issuer is required by law to do so. S. Cardholder agrees that Cardholder's account shall be subject to all applicable rules and regulations of VISA U.S.A. Inc., as applicable, as well as all applicable laws. If there is any conflict between the provisions of this Agreement and the rules and regulalions 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). ISSUED ON: «PDATE» «INSERT1» «INSERT2» «INSERT3» «INSERT4» «INSERT5» «INSERT6» 40-14-09 mbsdat.doc