DISCLOSURES REQUIRED BY FEDERAL LAW 

1.  FINANCE CHARGES: 
a)  Calculation Methods – Cash Advances:  F  Credit Purchases: G 

(See reverse side for calculation method descriptions). 
b)  Periodic Rates used to compute FINANCE CHARGES –  

Cash Advances:  .825% up to .908% per month 
month 
Corresponding ANNUAL PERCENTAGE RATES – 
Cash Advances:  9.90% up to 10.90%              Credit Purchases:  9.90% up to 10.90% 

Credit Purchases:  .825% up to .908% per 

c)  For Cash Advances obtained Over the Counter equal to or greater than $0.00 a FINANCE CHARGE 
equal to the greater of $0.00 or 0.00% of the cash advance will be imposed; however this charge will 
not exceed $0.00 for each Over the Counter Cash Advance.  For Cash Advances obtained at an 
Automated Teller Machine (ATM) equal to or greater than $0.00 a FINANCE CHARGE equal to the 
greater of $0.00 or 0.00% of the cash advance will be imposed; however this charge will not exceed 
$0.00 for each ATM cash advance.  A transaction fee may also be imposed by an ATM operator, not 
holding your account, or by any national, regional or local network used to complete a Cash Advance 
transaction. 

2.  OVER THE LIMIT CHARGES:  Cardholder shall immediately pay the amount by which the total New 

Balance exceeds the maximum authorized credit.  An Over Limit Charge equal to the greater of $0.00 
or 0.00% of the Amount over limit, shall be imposed, not to exceed $0.00 (For California accounts see 
Sec. 9). 

3.  ANNUAL FEE: 
a)  A non-refundable Annual Fee of $0.00 plus applicable taxes, shall be charged to your account, or – 
b)  Using Plan O (see Sec. 11) An Annual Fee/FINANCE CHARGE of $0.00 plus applicable taxes shall 

be charged unless, for the time period analyzed, you charged more than $0.00 or had more than 0 
transactions on your card. 

4.  MINIMUM PAYMENT: 
a)  The minimum payment required is the New Balance shown on your statement if the amount is equal 

b) 

to or less than $10.00. 
If the New Balance exceeds $10.00 the minimum payment is 3.00% of that portion of the New 
Balance which does not 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 credit limit, plus any 
amount past due. 

5.  LATE CHARGES: If the minimum required payment is not received within 05 days after the Closing 
Date subsequent to the payment Due Date, a late charge equal to the greater of $20.00 or 0.00% of 
the unpaid portion of the past due amount is imposed, but not to exceed $20.00. 

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 International 
Transaction Fees (i.e., cross-border and/or currency conversion fees) of up to 1%, which may qualify 
as a FINANCE CHARGE (see item 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 to 
your account.  No grace period applies on any transaction FINANCE CHARGE imposed on Cash 
Advances. 

7.  Documentary stamp taxes as may be required by law shall be imposed on each Cash Advance at the 

time the loan is made. 

8.  The annual fee shall be treated as a Credit purchase for purposes of calculating FINANCE 

9. 

CHARGES, unless prohibited by law. 
In California a maximum of $10 in Over Limit Fees may be imposed with respect to any charge that 
causes the outstanding balance to exceed the credit limit by $500 or 120 percent, whichever is less.  
No more than one over limit charge may be assessed within a single monthly billing cycle. 

 
 
 
10.  If you have other loans or credit extensions from Issuer, or take out other loans or credit extensions 
with Issuer in the future, collateral securing those loans or credit extensions will also secure your 
obligations under this agreement.  However, unless you expressly agree otherwise, your household 
goods and dwelling will not secure your obligations under this agreement even if Issuer has, or later 
acquires, a security interest in the household goods or a mortgage on the dwelling.  If you have 
executed a written agreement granting a security interest in any deposit accounts (checking, savings, 
or share accounts) or other funds held by Issuer to secure your obligations under this credit card plan, 
such accounts and/or funds are additional 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 noted in Section 3.b, only 

includes the following transactions:  Plan 1: Gross Sales; Plan 2: Gross Cash Advances;  Plan 3: Net 
Sales; Plan 4: Net Cash Advances; Plan 5: Gross Sales plus Gross Cash Advances; Plan 6: Net 
Sales plus Net Cash Advances (Note: Time period analyzed shall be prior 12 month period; however, 
initial time period may be less than 12 months as it begins on the date you were notified of this 
program.  Annual Fees shall not be waived for cardholders in default). 

PERIODIC FINANCE CHARGE CALCULATION METHODS  

The periodic Finance Charge Calculation Method applicable to your account for Cash Advances and Credit purchases of goods 
and services that you obtain through the use of your Card is specified In Section 1 on the Disclosure on the reverse side and 
explained below: 
  Method A – Average Daily Balance (Including current transactions). The Finance Charge on purchases begins from the date 
the transaction is posted to your account and the Finance Charge on cash advances begins from the date you obtained the cash 
advance, or the first day of the billing cycle in which it is posted to your account, whichever is later. There is no grace period.  
  The Finance Charges for a billing cycle are computed by applying the monthly Periodic Rate to the "average daily balance" of 
your account.  To get the average daily balance, we take the beginning balance of your account each day, add any new 
purchases or cash advances, and subtract any payments, credits, non-accruing fees, and unpaid finance charges. This gives us 
the daily balance. Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the 
billing cycle. 
  Method E – Average Dally Balance (excluding current transactions). To avoid incurring an additional Finance Charge on the 
balance of purchases (and cash advances if Method E is specified as applicable to cash advances) reflected on your monthly 
statement, you must pay the New Balance shown on your monthly statement on or before the Payment Due Date. The grace 
period for the New Balance of purchases extends to the Payment Due Date. 
  The Finance Charges for a billing cycle are computed by applying the monthly Periodic Rate to the "average daily balance" of 
purchases (and if applicable, cash advances).  To get the average daily balance, we take the beginning balance of your account 
each day and subtract any payments, credits, non-accruing fees, and unpaid finance charges.  We do not add in new purchases 
or cash advances.  This gives us the daily balance. Then we add up all the daily balances for the billing cycle and divide the total 
by the number of days in the billing cycle. 
  Method F – Average Daily Balance (including current transactions).  To avoid incurring additional Finance Charge on the 
beginning balance of cash advances (and purchases, if Method F is specified as applicable to purchases) reflected on your 
monthly statement, you must pay the Beginning Balance shown on your monthly statement on or before the Payment Due Date. 
No grace period is provided for current cycle transactions. 
  The Finance Charges for a billing cycle are computed by applying the monthly Periodic Rate to the "average daily balance” of 
cash advances (and if applicable, purchases).   To get the average daily balance, we take the beginning balance of your 
account each day, add any new purchases or cash advances, and subtract any payments, credits, non-accruing fees, and 
unpaid finance charges.  This gives us the daily balance. Then we add up all the daily balances for the billing cycle and divide 
the total by the number of days in the billing cycle. 
  Method G – Average Daily Balance (including current transactions). To avoid incurring an additional Finance Charge on the 
balance of purchases (and cash advances, if Method G is specified as applicable to cash advances) reflected on your monthly 
statement and, on any new purchases (and if applicable, cash advances) appearing on your next monthly statement, you must 
pay the New Balance, shown on your monthly statement, on or before the Payment Due Date. The grace period for the New 
Balance of purchases extends to the Payment Due Date. 
  The Finance Charges for a billing cycle are computed by applying the monthly Periodic Rate to the "average daily balance" of 
purchases (and if applicable, cash advances). To get the average daily balance, we take the beginning balance of your account 
each day, add any new purchases or cash advances, and  subtract any payments, credits, non-accruing fees, and unpaid 
finance charges.  This gives us the daily balance. Then we add up all the daily balances for the billing cycle and divide the total 
by the number of days in the billing cycle. 

TERMS GOVERNING THE USE OF YOUR CARD  

The person ("Cardholder") whose name is embossed on the face of the VISA ("Card”) enclosed herewith, and each Cardholder, 
in the event more than one Card is enclosed herewith bearing the same account number, by signing or using said Card, receipt 
of which is acknowledged, agrees with the Issuer of the Card whose name is printed on the reverse ("Issuer") as follows  
  A. Goods and services ("Credit Purchases") may be purchased or leased by means of such card by Cardholder from any retail 
Business establishment (“seller") who honors same upon the execution of a sales slip evidencing such Credit Purchases and 
bearing the account number of Cardholder embossed on the face of such Card.  Additionally, VISA Cash Advances ("Loans”) 
may be obtained through use of such Card (a) upon execution of a written request of Cardholder in a form furnished to 
Cardholder from any financial institution that is a member, alone or in association with others, of VISA U.S.A. Inc. and (b) upon 
execution of a written separate agreement with Issuer for a VISA overdraft financing agreement if offered by Issuer. 
  B. Cardholder shall be liable, and agrees to pay Issuer for Credit Purchases made by, or for Loans extended to, Cardholder or 
anyone else using such Card unless the use of such Card is by a person other than the Cardholder (a) who does not have 
actual, implied or apparent authority for such use, and (b) from which Cardholder receives no benefit.  Additionally, Cardholder 
shall be jointly and severally liable and agrees to pay for all Credit Purchases and Loans obtained through the use of any other 
Card bearing Cardholder's account number that has been issued to another person by reason of such person being a member 
of Cardholders family, or otherwise issued upon Cardholder's request (all such Cards bearing the VISA account number 
hereinafter collectively called ("Related Cards").  
  C. Cardholder agrees to pay to lssuer an annual membership fee (as stated in the Disclosures on the reverse) for participation 
in the Issuer's credit card plan. Such annual membership fee shall be imposed whether or not Cardholder uses the Card to 
obtain credit purchases and loans.  The membership fee shall be charged to Cardholder's account each year in the month of 
Issuer's choice.  The membership fee is not refundable in the event of termination of the account by either Cardholder or Issuer 
unless otherwise provided for by law. 

 
  
 
 
  D. Each Card is the property of lssuer, is not transferrable, and must be surrendered upon demand.  It can be canceled as well 
as repossessed by Issuer or its designee, and the privileges there of revoked, at any time without prior notice. 
  E. Cardholder shall not use the Card or permit the use of Related Cards to obtain Credit Purchases or Loans, which will 
increase Cardholder’s indebtedness to Issuer to an amount in excess of the limit established by Issuer.  
  F. All Credit Purchases and Loans are 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 credit allowed by the Seller shall not be by cash but rather by a credit 
advice to Issuer which shall be shown as a credit on Cardholder’s account statement with Issuer. 
  G. lssuer will send to Cardholder, at monthly intervals determined by Issuer, a statement reflecting for the prior monthly period 
all VISA Card and Related Card transactions.  Such statement shall be deemed correct and accepted by Cardholder and all 
holders of Related Card unless Issuer is notified to the contrary in writing within 60 days of mailing such statement.  Cardholder 
will pay such statement by remitting to Issuer within 25 days of the closing date reflected on the statement either the full amount 
billed or, at Cardholder’s option, an installment equal to at least the required minimum payment stated in Section 4 on the 
reverse. 
  H. lnterest on Loans and Credit Purchases will be charged in accordance with the finance charge calculation method referred 
to in Section 1 of the disclosures on the reverse side.  The rate of interest shall be established by Issuer from time to time, but 
shall never exceed the maximum rate permitted by law.  The current interest rate per annum is the Annual Percentage Rate set 
forth in Section 1 of the Disclosures on the reverse side. 
  I. If the card is cancelled or surrender is demanded by Issuer, or if Cardholder defaults in any payment due, or is deceased, 
bankrupt or insolvent, or any attachment or garnishment proceedings are initiated against Cardholder or his property, Issuer 
may elect to declare all amounts then owed to Issuer to be immediately due and payable without notice or demand of any kind.  
If Cardholder has other loans from Issuer, or takes out other loans with Issuer in the future, collateral securing those loans will 
also secure the Cardholder's obligations under this agreement.  However, unless the Cardholder expressly agrees to otherwise, 
the Cardholder's household goods and dwelling will not secure Cardholder's obligation under this agreement, even if Issuer has 
or later acquires a security interest in the household goods or a mortgage on the dwelling.  Cardholder agrees to pay all costs 
incurred by Issuer in collecting Cardholder's indebtedness or in enforcing this agreement, including reasonable attorney's fees, 
and also those costs, expenses and attorney's fees incurred in appellate, bankruptcy and post judgment proceedings, except to 
the extent such costs, fees or expenses are prohibited by law. 
  J. This agreement may be amended from time to time by lssuer by written 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 
matters arising out of the issuance and use of the Card shall be governed by the laws of the state in which the principal office of 
Issuer is located.  
  L. Additional charges, plus applicable taxes, may also be assessed if you pay us with a check not honored by your financial 
institution, request a copy of a document, request a replacement card or use your card for a transaction at an automated teller 
machine, if such charges are not prohibited by law or regulation. No Finance Charge will be assessed on such additional 
charges. 
  M. If it is believed that the Card has been lost or stolen or used in an unauthorized manner, the Cardholder shall contact Issuer 
AT ONCE, in order to minimize possible losses. In most cases, the Cardholder will not be liable for any unauthorized 
transactions unless it is determined that the Cardholder was grossly negligent or fraudulent in the handling of the Card. 
Credit Card Security Department  Telephone Number 
Notification can be made orally or in writing at: 

                                                          P.O. Box 30035   
                                                         Tampa, Florida 33630  

                (727)570-4881 

  N. Cardholder agrees that Issuer, its agents or service companies may monitor and/or record any telephone communications 
with Cardholder.  
  O. Payments must be made to the Issuer in U.S. dollars drawn on a U.S. Financial Institution. If Cardholder incurs charges in 
any other currency, the charges will be converted into U.S. dollars. The exchange rate for transactions in a foreign currency will 
be a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing 
date, which rate may vary from the rate Visa itself receives, or the government mandated rate in effect for the applicable central 
processing date.  All transactions in foreign countries will be subject to a 1% conversion or processing fee. 
  P. Issuer shall have sole discretion in how payments are applied to cardholder's account.  Issuer may accept checks marked 
"Payment In Full" or with words of similar effect without losing any of Issuer's rights to collect the full balance of Cardholder's 
account.  
  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 credit bureau reports and/or 
otherwise verify Cardholder's current credit standing. 
  R. Cardholder agrees that Issuer may re-release information to others, such as credit bureaus, regarding the status and history 
of Cardholder's account.  However, Issuer is not obligated to release any such information to any one 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 
regulations of VISA U.S.A. Inc. the rules and regulations of VISA U.S.A. Inc. shall control.  Your Visa Card may not be used for 
any illegal transaction(s).  

 
 
 
 
Your Billing Rights:  Keep this Document for Future Use 

This notice tells you about your rights and responsibilities under the Fair Credit Billing Act. 

What To Do If You Find A Mistake On Your Statement 

If you think there is an error on your statement, write to us at the address shown on your monthly billing statement. 

In your letter, give us the following information: 

•  Account Information: 
•  Dollar Amount:  
•  Description of Problem: 

Your name and account number. 
The dollar amount of the suspected error. 
If you think there is an error on your bill, describe what you believe is wrong and why you believe it is 

a mistake. 

You must contact us: 

•  Within 60 days after the error appeared on your statement. 
•  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is 

wrong. 

You  must  notify  us  of  any  potential  errors  in  writing  (or  electronically).  You  may  call  us,  but  if  you  do,  we  are  not  required  to 
investigate any potential errors and you may have to pay the amount in question. 

What Will Happen After We Receive Your Letter 

When we receive your letter, we must do two things: 

1.  Within 30 days after receiving your letter, we must tell you that we received your letter.  We will also tell you if we have already 

corrected the error. 

2.  Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 

While we investigate whether or not there has been an error: 

•  We cannot try to collect the amount in question, or report you as delinquent on that amount. 
•  The charge in question may remain on your statement, and we may continue to charge you interest on that amount. 
•  While you do not have to pay the amount in question, you are responsible for the remainder of your balance. 
•  We can apply any unpaid amount against your credit limit. 

After we finish our Investigation, one of two things will happen: 

• 
• 

If we made a mistake: You will not have to pay the amount in question or any Interest or other fees related to that amount. 
If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. 
We will send you a statement of the amount you owe and the date payment is due.  We may then report you as delinquent if 
you do not pay the amount we think you owe. 

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to 
pay. If you do so, we can not report you as delinquent without also reporting that you are questioning your bill.  We must tell you the 
name  of  anyone  to  whom  we  reported  you  as  delinquent,  and  we  must  let  those  organizations  know  when  the  matter  has  been 
settled between us. 

If we do not follow all of the rules above, you do not have to pay the first $50 of the amount in question, even if your bill is correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to 
correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. 

To use this right, all of the following must be true: 

1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase 
price must have been more than $50.  (Note: Neither of these are necessary if your purchase was based on an advertisement 
we mailed to you, or if we own the company that sold you the goods or services.) 

2.  You must have used your credit card for the purchase.  Purchases made with cash advances from an ATM or with a check that 

accesses your credit card account do not qualify. 
3.  You must not yet have fully paid for the purchase. 

If  all  of  the  criteria  above  are  met  and  you  are  still  dissatisfied  with  the  purchase,  contact  us  in  writing  (or  electronically)  at  the 
address shown on your monthly billing statement. 

While we investigate, the same rules apply to the disputed amount as discussed above.  After we finish our investigation, we will tell 
you our decision.  At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.