«RETURN1» 
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«ADDRESS2»«ADDRESS1»  
«ADDRESS3» 
«ADDRESS4» 
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«POSTNET» 

«BARCODE» 

WHERE SMART PEOPLE KEEP THEIR 
MONEY 

CREDIT LIMIT: «CREDIT»«CREDIT2»«CREDIT3»«CREDIT4» 
ISSUED BY: «ISSUEDBY» 

                Cards                       Account number 
«ACCT» 

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. However, you may not use your Card to initiate any type of 
electronic gambling transaction through the Internet. A VISA card may not be used for any 
illegal transaction(s). Consult your legal counsel to determine the legality of specific online 
gambling transactions. If you wish to pay for goods or services over the Internet, you may 
be  required  to  provide  card  member  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. 

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.FINANCE CHARGES on your Account are calculated by applying the 
applicable  monthly  Periodic  Rate  to  the  average  daily  balances  for  Purchases  and  Cash 
Advances.    Separate  average  daily  balances  are  calculated  for  Purchases  and  Cash 
Advances. The FINANCE CHARGE on Purchases is calculated at a monthly Periodic Rate 
from  .74167%  to  1.40833%  which  is  an  ANNUAL  PERCENTAGE  RATE  from  8.90%  to 
16.90%.  The FINANCE CHARGE on Cash Advances is calculated at the monthly Periodic 
Rate from .90833% to 1.50000% which is an ANNUAL PERCENTAGE RATE from 10.9% 
to 18.0%. The monthly Periodic Rates and ANNUAL PERCENTAGE RATES which apply to 
your  Account  (a) are  based  on  your  creditworthiness  and  your  credit  score  obtained  from 
your  consumer  report  and  (b)  will  be  disclosed  to  you  before  or  at  the  time  the  Card  is 
issued. 

To  get  each average  daily  balance,  the daily  balances for  Purchases  and  Cash  Advances 
for the billing cycle are added and the totals are divided by the number of days in the cycle.  
To  get  the  daily  balance  for  Cash  Advances,  new  Cash  Advances  are  added  to  the  day's 
beginning  balance  and  payments and  credits  are  subtracted.   To get  the  daily  balance for 
Purchases,  new  Purchases  are  added  to  the  day's  beginning  balance  and  payments  and 
credits  are  subtracted;  however,  new  Purchases  are  not  added  if  you  paid  the entire  New 
Balance for Purchases on your last statement by the end of the grace period or if you did 
not have a Purchase balance on your last statement.  

Cash Advances -The FINANCE CHARGE on Cash Advances is calculated in accordance 
with  the  following  method: A  Finance  charge  will  be  imposed  on Cash  Advances from  the 
date  made  or  from  the  first  day  in  which  the  Cash  Advance  is  posted  to  your  account, 
whichever  is  later,  and  will  continue  to accrue  on  the  average  daily  balance  of  such  Cash 
Advances until the balance is paid in full. There is no grace period on Cash Advances. 

Purchases  -The  FINANCE  CHARGE  on  Purchases  is  calculated  in  accordance  with  the 
following method: A FINANCE CHARGE will be imposed on Purchases only if you elect not 
to  pay  the  entire  New  Balance  shown  on  your  monthly  statement  for  the  previous  billing 
cycle within twenty five (25) days from the closing date of that statement.  

If you elect not to pay the entire New Balance shown on your previous monthly statement 
within  that  twenty  five  (25)  day  period,  a  Finance  Charge  will  be  imposed  on  the  average 
daily  balance  of  such  Purchases  from  the  previous  statement  closing  date  and  on  new 
Purchases from the date of posting to your account during the current billing cycle, and will 
continue to accrue until the closing date of the previous statement closing date and on new 
Purchases from the date of posting to your account during the current billing cycle, and will 
continue to accrue until the closing date of the billing cycle preceding the date on which the 
entire New Balance is paid in full or until the date of payment if more than twenty five (25) 
days from the closing date. 

Balance Transfers – Balance transfers, as permitted by Credit Union from time to time in 
Credit Union’s sole discretion, for the purpose of all finance charges. 

5.  Other  Charges.  The  following  other  charges  (fees)  will  be  added  to  your  Account,  as 
applicable: 

a.  Over-the-Credit-Limit  Fee:  An  over-the-limit  fee  will  not  be  imposed.    In  the  event 
you incur charges in amounts which shall cause the account indebtedness to exceed 
the authorized credit limit by 1%, you shall pay immediately the amount by which the 
total New Balance exceeds such maximum authorized credit. 

b. Late Payment Fee: If a payment of at least the amount of the minimum required              
payment  is  not  received  within  five  (5)  days  of  the  Due  Date  or  cycle  whichever 
comes first, a late charge in the amount of $25.00 shall be imposed. 

c. Return Check /Return Pre-Authorized Payments Fee: $27.00 
d. Card Replacement Fee: In the event any additional or replacement cards are issued 
      for any reason other than the issuance of a renewal card, a fee in the amount  
      of $5.00 may be imposed. 
e. Collection Costs: Cardholder agrees to pay all costs incurred by issuer in collecting 
cardholder’s  indebtedness  or  in  enforcing  this  Agreement,  including  attorneys’  fees 
and costs, as well as those costs, expenses and attorneys’ fees incurred in appellate, 
bankruptcy, and post-judgment proceedings, except to the extent such costs, fees, or 
expenses are prohibited by law. 

f.  Balance Consolidation/Convenience Check Stop Payment Fee: $27.00. 
g. Rush Mail Fee: (Priority Handling) $25.00. 
h.    Cash  Advance  Transaction  Fee:    A  cash  advance  transaction  fee  will  not  be 
imposed.  Your cash advance limit will be up to 50% of your total credit limit.  

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. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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.  AS  A  CONDITION  OF  CREDIT  UNION’S  OPENING  YOUR 
ACCOUNT AND YOUR USE OF THIS CARD, YOU HEREBY GRANT TO CREDIT UNION 
A  SECURITY  INTEREST  IN  ALL  SHARES,  DEPOSITS  AND  OTHER  FUNDS  ON 
DEPOSIT  WITH  CREDIT  UNION  IN  WHICH  YOU  HAVE  AN  OWNERSHIP  INTEREST 
(other than an IRA account where this security interest would cause the loss of tax-
exempt  or  tax-deferred  status).  THE  SECURITY  INTEREST  IS  FOR  ALL  AMOUNTS 
OWED TO CREDIT UNION UNDER THE TERMS OF THIS AGREEMENT. IF YOU ARE IN 
DEFAULT UNDER ANY TERM OF THIS AGREEMENT, CREDIT UNION SHALL HAVE A 
RIGHT TO IMMEDIATELY SEIZE YOUR SHARES, DEPOSITS AND/OR OTHER FUNDS 
WITHOUT  NOTICE  OR  DEMAND  TO  YOU  AND  TO  APPLY  SUCH  FUNDS  TO  THE 
AMOUNTS  OWED  TO  CREDIT  UNION.  Collateral  securing  other  loans  you  have  with   
Credit  Union now  or  in  the future  will  also  secure  this  loan,  except  that  a  dwelling  or  your 
household goods (as defined by the Federal Trade Commission) will not 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  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. 

In the event that any suit is filed against the Credit Union with respect to this Agreement, or 
any credit card issued under this Agreement, the suit shall only be brought in the courts of 
the state of Florida. 

10. Liability for Unauthorized Use-Lost/Stolen Card Notification. You agree to notify us 
immediately,  orally  or  in  writing  at  P.O.  Box  11904,  Tampa,  FL  33680  or  telephone  (800) 
645-7728  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. 

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. 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  17  of  this 
Agreement also applies to termination of the account. 

12.  Credit  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 services(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  will  be  refunded  upon  your  written  request  or 
automatically after three (3) 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.  Transactions  initiated  in  foreign  countries  and/or  foreign 
currencies will be charged to your Account in U.S. Dollars. The conversion rate to dollars will 
be  (a)  a  rate  selected  by  Visa  from  the  range  of  rates  available  in  wholesale  currency 
markets for the applicable central processing date, which rate may  vary from the rate Visa 
itself  receives,  or  (b)  the  government-mandated  rate  in  effect  for  the  applicable  central 
processing date, in each of the above instances, plus or minus any adjustment determined 
by the Credit Union. 

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 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.  

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  any  unpaid  amount  against  your 
credit  limit.  You  do  not  have  to  pay  any  questioned  amount  while  we  are 
investigating, but you are still obligated to pay the parts of your bill that are not in 
question. 

«INSERT1»   «INSERT2»   «INSERT3»   «INSERT4»   «INSERT5»   «INSERT6» 

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. 

ISSUED ON:  «PDATE» 

03/09/10