Cash Back/Travel/Gift/No Frills

VISA 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 credit card and any duplicates, renewals, or substitutions the Credit Union issues to you; “Account” means
your  Visa  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. If 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 cards. 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  cards,  and  from  some  automated  teller  machines  (ATMs).  (Not  all  ATMs
accept Visa 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 billing 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.

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.

The ANNUAL PERCENTAGE RATE is subject to change quarterly (April, July, October and January) on the statement cycle
date following the last Wednesday of March, June, September and December to reflect any change in the Index and will be
determined by the Prime Rate as published in The Wall Street Journal “Money Rates” table plus 3% - 11% for the No  Frills
Program  (purchases,  cash  advances  and  balance  transfers),  and  the  Prime  Rate  plus  5%  -  15%  for  the  Gift  and  Travel
Rewards Programs (purchases, cash advances and balance transfers). The ANNUAL PERCENTAGE RATE  will  never  be
greater  than  18.0%.  Any  increase  in  the  annual  percentage  rate  will  take  the  form  of  additional  payments  shown  as  Total
Minimum Payments on the statement. If the Index is no longer available, the credit union will choose a new index which is
based upon comparable information.

When  you  are  sixty  (60)  days  delinquent  in  making  a  payment,  the  monthly  periodic  rate  on  your  account  will  increase  to
1.50% per month, which is an ANNUAL PERCENTAGE RATE of 18.0%.

5. OTHER CHARGES – The following other charges (fees) will be added to your account, as applicable:

a. Over-the-Credit-Limit Fee: You may be charged a fee of $10.00 on a statement date if your New Balance on that date,
less any fees imposed during the cycle, is over your credit limit. You will be charged the fee each subsequent month until your
New Balance on the statement date, less any fees imposed during the cycle, is BELOW your credit limit.

b. Late Payment Fee:  If you are fifteen (15) or more days late in making a payment, a late charge of $10.00 will be added to
your account.

c. 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 $5.00 for each item returned.

d. Document  Copy  Fee: You will be charged $2.00 for each copy of a sales draft or statement that you request (except
when the request is made in connection with a billing error made by the credit union).

e. Collection Costs:  You promise to pay all costs of collecting the amount you owe under this Agreement including court
costs and reasonable attorney fees.

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 $10.00, 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 credit limit.

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 limit until payment is actually collected by us.

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.  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  finance  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 of up to $35.00 for each skip payment period that 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.

9. SECURITY INTEREST – If you give the Credit Union a specific 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. These
other shares may not be withdrawn unless you are in default under this agreement. 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.

10. 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 will be in default if you
make any false or misleading statements in any credit application or credit update. You will also be in default if something
happens that the Credit 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.

11. LIABILITY  FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION  –  You  agree  to  notify  us  immediately,
orally or in writing at 802 East Martintown Road, North Augusta, SC 29841 or telephone (800) 991-4964 twenty-four (24) hours
a day, seven (7) days a week, 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.

12. 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. If 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, whether it is terminated by
you or the Credit Union. If this is a joint Account, Section 18 of this Agreement also applies to termination of the Account.

13. 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).

14. 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 will be refunded upon your written request or automatically after six (6)
months.

15. 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.

16. FOREIGN TRANSACTIONS  –  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.

A fee of 1% of the amount of the transaction, calculated in U.S. dollars, will be imposed on all foreign transactions, including
purchases,  cash  advances  and  credits  to  your  account.  A  foreign  transaction  is  any  transaction  that  you  complete  or  a
merchant completes on your card outside of the U.S., Puerto Rico or the U.S. Virgin Islands.

17. 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.

18. 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.

19. 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.

20. ARBITRATION – All member services are subject to binding arbitration pursuant to either the Federal Arbitration Act or
state law as applicable. (See paragraph 27 of your Membership Agreement Booklet for complete details.)

21. NO WAIVER – The Credit Union can delay enforcing any of its rights any number of times without losing them.

22. 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.

23. FINAL EXPRESSION  –  This  Agreement  is  the  final  expression  of  the  terms  and  conditions  of  this  Visa  line  of  credit
between  you  and  the  Credit  Union.  This  written  Agreement  may  not  be  contradicted  by  evidence  of  any  alleged  oral
agreement.

24. 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 —
If you think your bill is 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.
If 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:

(a)  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

(b)  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.

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