Final Agreement / No Waiver: This Disclosure and Agreement is  number of days in the billing cycle. This gives us the average daily  Penalty APR: Each time your account becomes 90 days past due,  Foreign Transactions and Currency Conversion: For Visa  by law for the balance on the account beginning no earlier than  �    We can apply any unpaid amount against your credit limit. After    M-118455
   the de?nitive agreement between you and the Issuer and may not be  balance of purchases. the Penalty APR will apply to all account balances. The Penalty APR  Cards, purchases and cash advances made in foreign countries and  the date on which FRFCU was noti?ed of the rejection. The right to         we ?nish our investigation, one of two things will happen:
   contradicted by evidence of any alleged oral agreement. The Issuer can delay  will begin on the ?rst day of the billing period. After you have made  foreign currencies will be billed to you in U.S. Dollars. The conversion  reject a change in terms does not apply if FRFCU has not received a         
   enforcing any of its rights any number of times without losing them. Method of Computing Cash Advances: The Finance Charge for  all the required payments on time for six consecutive billing periods,  rate to dollars will be determined in accordance with the operating  member�s required minimum periodic payment within 60 days after        a. If we made a mistake: You will not have to pay the amount in                             
                                   a billing cycle is computed by applying the monthly Periodic Rate to  the Annual Percentage Rate will be reduced to the regular account  regulations established by Visa U.S.A. Currently the currency  the due date for that payment.       question or any interest or other fees related to that amount.
   Visa Rules: You agree that your Account shall be subject to all applicable  the AVERAGE DAILY BALANCE of Cash Advances, which is determined  APR beginning the ?rst day of your next billing period. The change to  conversion rate used to determine the transaction amount in U.S.         b. If we do not believe there was a mistake: You will have to pay    
   rules and regulations of Visa, as applicable, as well as all applicable laws. If  by dividing the sum of the daily balances during the billing cycle by  your Penalty APR applies to all existing and future balances on your  dollars is either (i) the wholesale market rate or (ii) the government- Foreign Travel: FRFCU credit cards may have an international         the amount in question, along with applicable interest and fees. 
   there is any con?ict between the provisions of this Agreement and the rules  the number of days in the cycle. Each daily balance of Cash Advances  account. mandated rate, whichever is applicable, in effect one day prior to the  security block to help prevent against fraud. If planning to travel  We will send you a statement of the amount you owe and the date  DISCLOSURE AND AGREEMENT 
   and regulations of Visa, the rules and regulations of Visa shall control. is determined by adding to the Previous Balance of Cash Advances  processing date, increased one-percent. The currency conversion rate  outside the United States and you will be using your FRFCU credit  payment is due. We may then report you as delinquent if you do not 
                                   any new Cash Advances as of the transaction date or the ?rst day of  Returned Check or Rejected Payment: If you pay us  used on the processing date may differ from the rate that would have  OF TERMS AND CONDITIONS 
                                                                                                                                     card please call the Member Service Center at (866) 820-2934  pay the amount we think you owe. If you receive our explanation but 
   Finance Charge: The Finance Charge is the cost of consumer  the billing cycle in which posted, whichever is later and subtracting  electronically or by check, and your ?nancial institution does not  been used on the purchase date or cardholder statement posting  within 2 weeks prior to your trip and ask for the block (if present) to  still believe your bill is wrong, you must write to us within 10 days  GOVERNING THE USE OF YOUR
   credit as a dollar amount. It includes any charge payable directly or  any payments as received and credits as posted to your account, but  honor the payment or check, a fee of $30 will apply. date. The 1% International Service Assessment fee applies to all  be temporarily removed. telling us that you still refuse to pay. If you do so, we cannot report 
   indirectly by the consumer and imposed directly or indirectly by the                                                                                                                                       FRFCU CREDIT CARD
                                   excluding any unpaid Finance Charge. Over-the-credit-limit: If at any time your account balance is over your  international transactions regardless of whether there is actually a  you as delinquent without also reporting that you are questioning 
   creditor as an incident to or a condition of the extension of credit.  credit limit a fee will not be charged. currency conversion. You agree to pay the converted amount in U.S.  Your Billing Rights: Keep this Document for Future Use your bill. We must tell you the name of anyone to whom we reported 
   It does not include any charge of a type payable in a comparable                                 dollars, plus any charge for conversion or processing that may be                                 In this agreement, the words �you�, �your�, and/or �Cardholder(s)� refers to 
                                   Balance Transfers: Balance transfers must be transferred from                                     This notice tells you about your rights and our responsibilities under  you as delinquent, and we must let those organizations know when 
   cash transaction. Cash advance fees are Finance Charges. Foreign                                                                                                                                   the person or business whose name is embossed in the face of the Visa 
                                   any ?nancial institution other than FRFCU. Balance transfers and  Special Services: FRFCU reserves the right to charge a fee for  imposed by the Issuer, plus any charge that may be imposed for an  the Fair Credit Billing Act. the matter has been settled between us.
   transaction fees are not Finance Charges.                                                                                                                                                          Platinum credit card, Visa Signature � credit card, Visa Secured credit card or 
                                   cash advances may not be used to pay any FRFCU accounts. Balance  Special Services that you request, if such charges are not prohibited  international transaction.
                                                                                                                                                                                                      Visa� Business credit card (�Card� or �Credit Card�) enclosed herewith, and 
                                   transfers are treated as and considered cash advances on your  by law or regulation. No Finance Charge will be assessed on such  What To Do If You Find A Mistake On Your Statement If we do not follow all of the rules above, you do not have 
   Balance Computation Method: Average daily balance method  account. Amounts transferred are subject to your available credit  additional charges. For example, a $5 fee applies for each copy of  Protected Balances Due to Rate Increases: Protected balances  each Cardholder, in the event more than one Card is enclosed bearing the 
                                                                                                                                     If you think there is an error on your statement, write to us at: Credit  to pay the ?rst $50 of the amount you question even if 
   (including current transactions). We ?gure the interest charge on                                are the amount owed for a category of transactions to which an                                    same account number (�Account�). The words �FRFCU� and/or �Issuer� refer to 
                                   limit. We are not required to honor a balance transfer request that  a document that you request (except when the request is made  Card Security Department, PO Box 31281, Tampa, FL 33631-3281  your bill is correct.
   your account by applying the periodic rate to the �average daily                                                                                                                                   �Financial Resources Federal Credit Union�. This Agreement replaces any and 
                                   will cause you to exceed your available credit limit. We will not be  in connection with the investigation of a billing error made by the  increased annual percentage rate cannot be applied after the rate for  or call us at(866) 820-2928 for Visa Signature � Card or (866) 820-
   balance� of your account. To get the �average daily balance� we  responsible for late payment or non-payment to other card issuers.  Issuer). You may be charged $10 if you order a replacement card.  that category of transactions has been increased. all prior Agreements between Cardholder and FRFCU.
                                                                                                                                     2934 for all other Visa Cards. You may also contact us on the Web:  Your Rights If You Are Dissatis?ed With Your Credit Card 
   take the beginning balance of your account each day, add any new  We are not responsible for fees that may be charged for cash  The fee for other Special Services, if applicable, will be disclosed to  Annual Fee: No annual fee applies to this credit card. www.pscufs.com. In your letter, give us the following information: Purchases
   [purchases/advances/fees], and subtract [any unpaid interest or                                                                                                                                    Before using your Card, please review this Agreement carefully. By signing or 
                                   advances performed at other ?nancial institutions and ATMs owners.  you prior to processing the request. Additionally, there will be a $20  �    Account information: Your name and account number. If you are dissatis?ed with the goods or services that you have 
   other Finance Charges and] any payments or credits. This gives us  There is no grace period for balance transfers. It may take up to three  per hour or $5 minimum research fee. No charge will be made in  Illegal Use and Internet Gambling: You agree that all  using any Card that is enclosed with this document or that may be issued to 
                                                                                                                                     �    Dollar amount: The dollar amount of the suspected error. purchased with your credit card and you have tried in good faith to 
   the daily balance. Then, we add up all the daily balances for the                                                                                                                                  you and/or to any Cardholder you authorize, you agree that you understand 
                                   (3) weeks for other ?nancials to post the balance transfer transaction.  connection with any good faith assertion of a billing error on the  transactions that you initiate by use of your card are legal in the  �    Description of problem: If you think there is an error on your correct the problem with the merchant, you may have the right not to 
   billing cycle and divide the total by the number of days in the billing                                                                                                                            and will comply with all of the terms and conditions pertaining to the use 
                                   You should continue to make all required payments until you  account. jurisdiction where you live and/or where the transaction occurred.         bill, describe what you believe is wrong and why you believe it is pay the remaining amount due on the purchase.
   cycle. This gives us the �average daily balance.�                                                Internet gambling may be illegal in the jurisdiction in which you                                 of such card established by FRFCU�s Board of Directors and disclosed to you 
                                   con?rm that the balance transfer was posted to the other ?nancial                                        a mistake. You must contact us:
                                                                                                                                                                                                      in this Agreement. FRFCU reserves the right to amend this Agreement at 
                                   institution. We will not close your other accounts even if you transfer  Liability for Unauthorized Use: If you notice the loss or theft  are located, including the United States. Your card may only be used  �    Within 60 days after the error appeared on your statement. To use this right, all of the following must be true:
   Periodic Finance Charge Calculation Methods: New  the entire balance. If you wish to close another account, you should  of your credit card or a possible unauthorized use of your credit  for legal transactions. Display of a payment card logo by an online  any time and for any reason. FRFCU shall send you written notice thereof, 
                                                                                                                                     �    At least 3 business days before an automated payment is        1. The purchase must have been made in your home state or 
   purchases posted to your account during a billing cycle will not                                 merchant does not mean that internet gambling transactions are                                    mailed to you at your last known address. Any changes in these terms, 
                                   contact the issuer directly.     card or related cards, you should write to us immediately at: Credit        scheduled, if you want to stop payment on the amount you think   within 100 miles of your current mailing address, and the purchase 
   incur a Finance Charge for that billing cycle if you had a zero or                               lawful in all jurisdictions in which you may be located. You agree to                             including, without limitation, changes in the ANNUAL PERCENTAGE RATE 
                                                                    Card Security Department, PO Box 31281, Tampa, FL 33631-3281           is wrong.                  price must have been more than $50. (Note: Neither of these are 
   credit balance at the beginning of that billing cycle or you paid the  Other Fees May Apply to the Account: Additional charges,  or call us at (866) 820-2928 for Visa Signature � Card or (866)  repay according to the terms of this Agreement all transactions you  (APR) and the Periodic Rate, shall be effective with respect to any balances 
                                                                                                                                     You must notify us of any potential errors in writing [or  necessary if your purchase was based on an advertisement we 
   entire New Balance on the previous cycle�s billing statement by the                              initiate by use of your card, whether deemed legal or illegal.                                    then outstanding to the extent allowable by law as well as to future Credit 
                                   plus applicable taxes, may also be assessed on the account. Such  820-2934 for all other Visa Cards. You may also contact us on the  electronically]. You may call us, but if you do we are not  mailed to you, or if we own the company that sold you the goods or 
   Payment Due Date of that statement; otherwise a Finance Charge will  fees are added to the balance of the Account and will be notated  Web: www.pscufs.com. You will not be liable for any unauthorized  USA Patriot Act: To help the government ?ght the funding of  Purchases and Cash Advances. For example, FRFCU may change the terms 
                                                                                                                                     required to investigate any potential errors and you may  services.)
   accrue from the date a purchase is posted to your account. To avoid                              terrorism and money laundering activities, Federal law requires all                               based on information in your credit report; APRs may change to higher APRs, 
                                   on your statement. Fees will not be included in any Finance Charge  use that occurs after you notify us. You may, however, be liable for  have to pay the amount in question. 2. You must have used your credit card for the purchase. Purchases 
   an additional Finance Charge on the balance of purchases, you must                                                                                                                                 ?xed APRs may change to variable APRs, or variable APRs may change to 
                                   calculation.                     unauthorized use that occurs before your notice to us. In any case,  ?nancial institutions to obtain, verify, and record information that  made with cash advances from an
   pay the entire New Balance on the billing statement by the Payment                               identi?es each person who opens an account. What this means                                       ?xed APRs. Any changes will be in accordance with your account agreement.
                                                                    your liability will not exceed $50.                              What Will Happen After We Receive Your Letter ATM or with a check that accesses your credit card account do not 
   Due Date of that Statement.     Use of the card constitutes your understanding of an agreement to  to you: When you open an account at FRFCU, we will ask for your  When we receive your letter, we must do two things: qualify.
                                                                                                                                                                                                      In the event you do not wish to comply with these terms and conditions for 
                                   the following Fee Schedule:      Unauthorized Use � Visa: You may not be liable for the  name, address, date of birth, and other information that will allow us  1. Within 30 days of receiving your letter, we must tell you that we  3. You must not yet have fully paid for the purchase.
   A Finance Charge begins to accrue on cash advances from the date                                 to identify you. We may also ask to see your driver�s license or other                            any reason, you understand that you may terminate this agreement and 
                                                                    unauthorized use of your Visa credit card unless we reasonably   received your letter. We will also tell you if we have already corrected 
   you get the cash advance or from the ?rst day of the billing cycle                               identifying documents.                                                                            return the credit card to FRFCU without using the card or account. Cardholder 
                                   Cash Advance Fee � The greater of $10 or 2% of the amount of each  determine, based on substantial evidence, that you were grossly  the error. If all of the criteria above are met and you are still dissatis?ed with 
   in which the cash advance is posted to your account, whichever is                                                                                                                                  acknowledges receiving from Issuer the initial disclosures required by 
                                   cash advance.                    negligent or fraudulent in the handling or the account or the Card, in  2. Within 90 days of receiving your letter, we must either correct the  the purchase, contact us in writing [or electronically] at: Credit 
   later. The Finance Charge is calculated separately for purchases and  which case we may increase the limit of your liability. If you believe  Right To Reject Change In Terms: A member may reject a  Regulation Z of the Truth-In-Lending Act (�Initial Disclosures�) and agrees 
                                                                                                                                     error or explain to you why we believe the bill is correct. While we  Card Security Department, PO Box 31281, Tampa, FL 33631-3281 
   cash advances. For purchases, the Finance Charge is computed by                                                                                                                                    that the terms contained in the initial Disclosures apply to Cardholder and 
                                   Late Payment Warning: If we do not receive your minimum  that your card has been lost, stolen, or an unauthorized use has  signi?cant change in terms by calling (800) 933-3280 or by mailing  investigate whether or not there has been an error: or call us at (866) 820-2928 for Visa Signature � Card or (866) 
   applying the monthly periodic rate to the average daily balance of                                                                                                                                 Cardholder�s use of the Card.
                                   payment by the date listed on your statement you may have to  occurred, notify our Credit Card Security Department immediately  us at: Financial Resources Federal Credit Union, Attn: Card Services,  �    We cannot try to collect the amount in question, or report you as         820-2934 for all other Visa Cards. You may also contact us on the 
   purchases. To get the average daily balance of purchases, we take the  pay a late payment fee of $25 for the ?rst occurrence and $35 for  at (866) 820-2928 for Visa Signature � Card or (866) 820-2934  PO Box 6999, Bridgewater, NJ 08807-6999, but in doing so you will        delinquent on that amount. Web: www.pscufs.com. While we investigate, the same rules apply 
   beginning outstanding balance of purchases each day, add any new  each subsequent occurrence on our Visa Platinum Card and Visa  for all other Visa Cards. Visa Zero Liability policy does not apply to  forego any credit availability for the account and the account will be  FRFCU will establish a line of credit for you and notify you of your credit 
                                                                                                                                     �    The charge in question may remain on your statement, and we  to the disputed amount as discussed above. After we ?nish our 
   purchases, and subtract any payments and/or credits. This gives us                               terminated or suspended. The balance on the account is the balance                                limit. The credit limit approved shall be determined by the credit union, 
                                   Signature � Card, $25 for the ?rst occurrence and $35 for each  ATM transactions, PIN transactions not processed by Visa, or certain         may continue to charge you interest on that amount. investigation, we will tell you our decision. At that point, if we think 
   the daily balance of purchases. Then, we add all the daily balances                                                                                                                                and this credit limit will be drawn upon and replenished as you access the 
                                   subsequent occurrence on our Secured Visa Card and $35 on our  commercial card transactions. at the end of the day on which credit availability is terminated or  �    While you do not have to pay the amount in question, you are  you owe an amount and you do not pay, we may report you as 
   of purchases for the billing cycle together and divide the total by the                          suspended. FRFCU will establish an amortization period required                                   available funds by using an issued credit card, a convenience check, or by 
                                   Visa Business Card.                                                                                      responsible for the remainder of your balance. delinquent.
                           Page 7                           Page 8                            Page 9                          Page 10                          Page 11                         Page 12                         Page 1
                                                                 other means. You agree that your credit limit is the maximum amount you  other means. You agree that your credit limit is the maximum amount you  other means. You agree that your credit limit is the maximum amount you  other means. You agree that your credit limit is the maximum amount you  agrees to pay for all Credit Purchases and Loans obtained through the use of  agrees to pay for all Credit Purchases and Loans obtained through the use of  agrees to pay for all Credit Purchases and Loans obtained through the use of  agrees to pay for all Credit Purchases and Loans obtained through the use of  Payment: You agree to pay at least the minimum required payment  Payment: You agree to pay at least the minimum required payment  Payment: You agree to pay at least the minimum required payment  Payment: You agree to pay at least the minimum required payment  your Account balance in full without giving you prior notice. If immediate  your Account balance in full without giving you prior notice. If immediate  your Account balance in full without giving you prior notice. If immediate  your Account balance in full without giving you prior notice. If immediate  as repossessed by FRFCU or its designee, and the privileges revoked, at any  as repossessed by FRFCU or its designee, and the privileges revoked, at any  as repossessed by FRFCU or its designee, and the privileges revoked, at any  as repossessed by FRFCU or its designee, and the privileges revoked, at any 
 Interest Rates and Interest Charges Interest Rates and Interest Charges Interest Rates and Interest Charges Interest Rates and Interest Charges
   Interest Rates and Interest Charges                           other means. You agree that your credit limit is the maximum amount you  will have outstanding on your account, at any time, including purchases, cash  other means. You agree that your credit limit is the maximum amount you  other means. You agree that your credit limit is the maximum amount you  agrees to pay for all Credit Purchases and Loans obtained through the use of  agrees to pay for all Credit Purchases and Loans obtained through the use of  agrees to pay for all Credit Purchases and Loans obtained through the use of  Payment: You agree to pay at least the minimum required payment  Payment: You agree to pay at least the minimum required payment  Payment: You agree to pay at least the minimum required payment  your Account balance in full without giving you prior notice. If immediate  your Account balance in full without giving you prior notice. If immediate  your Account balance in full without giving you prior notice. If immediate  as repossessed by FRFCU or its designee, and the privileges revoked, at any  as repossessed by FRFCU or its designee, and the privileges revoked, at any  as repossessed by FRFCU or its designee, and the privileges revoked, at any 
 Interest Rates and Interest Charges Interest Rates and Interest Charges Interest Rates and Interest Charges Interest Rates and Interest Charges Interest Rates and Interest Charges Interest Rates and Interest Charges other means. You agree that your credit limit is the maximum amount you  will have outstanding on your account, at any time, including purchases, cash  will have outstanding on your account, at any time, including purchases, cash  other means. You agree that your credit limit is the maximum amount you  other means. You agree that your credit limit is the maximum amount you  other means. You agree that your credit limit is the maximum amount you  other means. You agree that your credit limit is the maximum amount you  other means. You agree that your credit limit is the maximum amount you  will have outstanding on your account, at any time, including purchases, cash  any other Card bearing Cardholder�s account number that has been issued to  agrees to pay for all Credit Purchases and Loans obtained through the use of  agrees to pay for all Credit Purchases and Loans obtained through the use of  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  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  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  amount shown on your statement by the date shown on the statement or no  Payment: You agree to pay at least the minimum required payment  amount shown on your statement by the date shown on the statement or no  Payment: You agree to pay at least the minimum required payment  Payment: You agree to pay at least the minimum required payment  amount shown on your statement by the date shown on the statement or no  Payment: You agree to pay at least the minimum required payment  amount shown on your statement by the date shown on the statement or no  Payment: You agree to pay at least the minimum required payment  payment is demanded, you agree to continue paying Finance Charges at the  payment is demanded, you agree to continue paying Finance Charges at the  your Account balance in full without giving you prior notice. If immediate  payment is demanded, you agree to continue paying Finance Charges at the  your Account balance in full without giving you prior notice. If immediate  your Account balance in full without giving you prior notice. If immediate  payment is demanded, you agree to continue paying Finance Charges at the  your Account balance in full without giving you prior notice. If immediate  your Account balance in full without giving you prior notice. If immediate  time without prior notice. If the card is cancelled or surrender is demanded  as repossessed by FRFCU or its designee, and the privileges revoked, at any  as repossessed by FRFCU or its designee, and the privileges revoked, at any  as repossessed by FRFCU or its designee, and the privileges revoked, at any  time without prior notice. If the card is cancelled or surrender is demanded  time without prior notice. If the card is cancelled or surrender is demanded  as repossessed by FRFCU or its designee, and the privileges revoked, at any  time without prior notice. If the card is cancelled or surrender is demanded  as repossessed by FRFCU or its designee, and the privileges revoked, at any 
   Interest Rates and Interest Charges Interest Rates and Interest Charges Interest Rates and Interest Charges Interest Rates and Interest Charges Interest Rates and Interest Charges agrees to pay for all Credit Purchases and Loans obtained through the use of  Payment: You agree to pay at least the minimum required payment  your Account balance in full without giving you prior notice. If immediate  as repossessed by FRFCU or its designee, and the privileges revoked, at any 
 Annual Percentage Rate Annual Percentage Rate Interest Rates and Interest Charges Annual Percentage Rate Interest Rates and Interest Charges Annual Percentage Rate will have outstanding on your account, at any time, including purchases, cash  any other Card bearing Cardholder�s account number that has been issued to  any other Card bearing Cardholder�s account number that has been issued to  any other Card bearing Cardholder�s account number that has been issued to  amount shown on your statement by the date shown on the statement or no  amount shown on your statement by the date shown on the statement or no  amount shown on your statement by the date shown on the statement or no  payment is demanded, you agree to continue paying Finance Charges at the  payment is demanded, you agree to continue paying Finance Charges at the  payment is demanded, you agree to continue paying Finance Charges at the  time without prior notice. If the card is cancelled or surrender is demanded  time without prior notice. If the card is cancelled or surrender is demanded  time without prior notice. If the card is cancelled or surrender is demanded 
                 1.99% Introductory APR for the first six months. 1.99% Introductory APR for the first six months. 1.99% Introductory APR for the first six months. 1.99% Introductory APR for the first six months. will have outstanding on your account, at any time, including purchases, cash  advances, Finance Charges, plus other fees described in this or subsequent  advances, Finance Charges, plus other fees described in this or subsequent  will have outstanding on your account, at any time, including purchases, cash 
                                                                    will have outstanding on your account, at any time, including purchases, cash  advances, Finance Charges, plus other fees described in this or subsequent  will have outstanding on your account, at any time, including purchases, cash  will have outstanding on your account, at any time, including purchases, cash  will have outstanding on your account, at any time, including purchases, cash  advances, Finance Charges, plus other fees described in this or subsequent  will have outstanding on your account, at any time, including purchases, cash  another person by reason of such person by being a member of Cardholder�s 
                                                                    will have outstanding on your account, at any time, including purchases, cash  any other Card bearing Cardholder�s account number that has been issued to  another person by reason of such person by being a member of Cardholder�s  any other Card bearing Cardholder�s account number that has been issued to  any other Card bearing Cardholder�s account number that has been issued to  another person by reason of such person by being a member of Cardholder�s  any other Card bearing Cardholder�s account number that has been issued to  any other Card bearing Cardholder�s account number that has been issued to  another person by reason of such person by being a member of Cardholder�s  later than twenty-?ve (25) days from the statement closing date, whichever is  any other Card bearing Cardholder�s account number that has been issued to  amount shown on your statement by the date shown on the statement or no  later than twenty-?ve (25) days from the statement closing date, whichever is  later than twenty-?ve (25) days from the statement closing date, whichever is  amount shown on your statement by the date shown on the statement or no  amount shown on your statement by the date shown on the statement or no  later than twenty-?ve (25) days from the statement closing date, whichever is  amount shown on your statement by the date shown on the statement or no  amount shown on your statement by the date shown on the statement or no  amount shown on your statement by the date shown on the statement or no  annual percentage rate established for this account by the Issuer, until the  payment is demanded, you agree to continue paying Finance Charges at the  payment is demanded, you agree to continue paying Finance Charges at the  payment is demanded, you agree to continue paying Finance Charges at the  annual percentage rate established for this account by the Issuer, until the  payment is demanded, you agree to continue paying Finance Charges at the  payment is demanded, you agree to continue paying Finance Charges at the  annual percentage rate established for this account by the Issuer, until the  annual percentage rate established for this account by the Issuer, until the  payment is demanded, you agree to continue paying Finance Charges at the  by Issuer, or if you default in any payment due, or if you are bankrupt or  by Issuer, or if you default in any payment due, or if you are bankrupt or  by Issuer, or if you default in any payment due, or if you are bankrupt or  time without prior notice. If the card is cancelled or surrender is demanded  time without prior notice. If the card is cancelled or surrender is demanded  time without prior notice. If the card is cancelled or surrender is demanded  time without prior notice. If the card is cancelled or surrender is demanded  time without prior notice. If the card is cancelled or surrender is demanded  time without prior notice. If the card is cancelled or surrender is demanded  by Issuer, or if you default in any payment due, or if you are bankrupt or 
   Annual Percentage Rate
 Annual Percentage Rate Interest Rates and Interest Charges Interest Rates and Interest Charges Annual Percentage Rate Annual Percentage Rate Interest Rates and Interest Charges Annual Percentage Rate Interest Rates and Interest Charges Interest Rates and Interest Charges Interest Rates and Interest Charges Annual Percentage Rate Interest Rates and Interest Charges Interest Rates and Interest Charges Annual Percentage Rate 1.99% Introductory APR for the first six months. 1.99% Introductory APR for the first six months.
                 1.99% Introductory APR for the first six months. 1.99% Introductory APR for the first six months. 1.99% Introductory APR for the first six months. 1.99% Introductory APR for the first six months. 1.99% Introductory APR for the first six months. 0.00% Introductory APR on purchases for the first 6 months.*
 (APR) for Purchases                                             advances, Finance Charges, plus other fees described in this or subsequent  advances, Finance Charges, plus other fees described in this or subsequent  advances, Finance Charges, plus other fees described in this or subsequent  another person by reason of such person by being a member of Cardholder�s  family, or otherwise issued upon Cardholder�s request (all such Cards bearing  another person by reason of such person by being a member of Cardholder�s  another person by reason of such person by being a member of Cardholder�s  later than twenty-?ve (25) days from the statement closing date, whichever is  later. You may pay more frequently, pay more than the minimum payment, or  later than twenty-?ve (25) days from the statement closing date, whichever is  later than twenty-?ve (25) days from the statement closing date, whichever is  entire balance has been paid. Any shares that were given as security for your  annual percentage rate established for this account by the Issuer, until the  entire balance has been paid. Any shares that were given as security for your  annual percentage rate established for this account by the Issuer, until the  entire balance has been paid. Any shares that were given as security for your  annual percentage rate established for this account by the Issuer, until the  entire balance has been paid. Any shares that were given as security for your  by Issuer, or if you default in any payment due, or if you are bankrupt or  by Issuer, or if you default in any payment due, or if you are bankrupt or  by Issuer, or if you default in any payment due, or if you are bankrupt or 
   (APR) for Purchases Annual Percentage Rate Annual Percentage Rate Annual Percentage Rate (APR) for Purchases Annual Percentage Rate Annual Percentage Rate (APR) for Purchases 1.99% Introductory APR for the first six months. 1.99% Introductory APR for the first six months. 1.99% Introductory APR for the first six months. 1.99% Introductory APR for the first six months. 1.99% Introductory APR for the first six months. disclosures. If you are over your credit limit, you must pay the amount you  advances, Finance Charges, plus other fees described in this or subsequent  disclosures. If you are over your credit limit, you must pay the amount you  disclosures. If you are over your credit limit, you must pay the amount you  advances, Finance Charges, plus other fees described in this or subsequent  advances, Finance Charges, plus other fees described in this or subsequent  advances, Finance Charges, plus other fees described in this or subsequent  advances, Finance Charges, plus other fees described in this or subsequent  disclosures. If you are over your credit limit, you must pay the amount you  another person by reason of such person by being a member of Cardholder�s  family, or otherwise issued upon Cardholder�s request (all such Cards bearing  another person by reason of such person by being a member of Cardholder�s  family, or otherwise issued upon Cardholder�s request (all such Cards bearing  another person by reason of such person by being a member of Cardholder�s  another person by reason of such person by being a member of Cardholder�s  another person by reason of such person by being a member of Cardholder�s  family, or otherwise issued upon Cardholder�s request (all such Cards bearing  later than twenty-?ve (25) days from the statement closing date, whichever is  later. You may pay more frequently, pay more than the minimum payment, or  later than twenty-?ve (25) days from the statement closing date, whichever is  later. You may pay more frequently, pay more than the minimum payment, or  later than twenty-?ve (25) days from the statement closing date, whichever is  later. You may pay more frequently, pay more than the minimum payment, or  later than twenty-?ve (25) days from the statement closing date, whichever is  later than twenty-?ve (25) days from the statement closing date, whichever is  annual percentage rate established for this account by the Issuer, until the  annual percentage rate established for this account by the Issuer, until the  annual percentage rate established for this account by the Issuer, until the  annual percentage rate established for this account by the Issuer, until the  annual percentage rate established for this account by the Issuer, until the  insolvent, or any attachment or garnishment proceedings are initiated  by Issuer, or if you default in any payment due, or if you are bankrupt or  insolvent, or any attachment or garnishment proceedings are initiated  insolvent, or any attachment or garnishment proceedings are initiated  by Issuer, or if you default in any payment due, or if you are bankrupt or  insolvent, or any attachment or garnishment proceedings are initiated  by Issuer, or if you default in any payment due, or if you are bankrupt or  by Issuer, or if you default in any payment due, or if you are bankrupt or  by Issuer, or if you default in any payment due, or if you are bankrupt or 
   (APR) for Purchases (APR) for Purchases Annual Percentage Rate (APR) for Purchases Annual Percentage Rate (APR) for Purchases advances, Finance Charges, plus other fees described in this or subsequent  another person by reason of such person by being a member of Cardholder�s  later than twenty-?ve (25) days from the statement closing date, whichever is  annual percentage rate established for this account by the Issuer, until the  by Issuer, or if you default in any payment due, or if you are bankrupt or 
 (APR) for Purchases (APR) for Purchases (APR) for Purchases After that, your APR will be between 7.99% and 18%.  After that, your APR will be between 7.99% and 18%.  After that, your APR will be between 7.99% and 18%.  After that, your APR will be between 7.99% and 18%.  1.99% Introductory APR for the first six months. 1.99% Introductory APR for the first six months. 1.99% Introductory APR for the first 6 months.*
                                                                 disclosures. If you are over your credit limit, you must pay the amount you  disclosures. If you are over your credit limit, you must pay the amount you  disclosures. If you are over your credit limit, you must pay the amount you  family, or otherwise issued upon Cardholder�s request (all such Cards bearing  the same Visa account number hereinafter collectively called �Related Cards�).  family, or otherwise issued upon Cardholder�s request (all such Cards bearing  family, or otherwise issued upon Cardholder�s request (all such Cards bearing  later. You may pay more frequently, pay more than the minimum payment, or  repay the Total New Balance in full at your option without penalty. If you make  later. You may pay more frequently, pay more than the minimum payment, or  later. You may pay more frequently, pay more than the minimum payment, or  entire balance has been paid. Any shares that were given as security for your  Account may be applied towards what you owe the Issuer. entire balance has been paid. Any shares that were given as security for your  entire balance has been paid. Any shares that were given as security for your  against you or your property, or in the event of your death, FRFCU may  insolvent, or any attachment or garnishment proceedings are initiated  against you or your property, or in the event of your death, FRFCU may  insolvent, or any attachment or garnishment proceedings are initiated  insolvent, or any attachment or garnishment proceedings are initiated  against you or your property, or in the event of your death, FRFCU may  against you or your property, or in the event of your death, FRFCU may  Annual Percentage Rate Annual Percentage Rate Annual Percentage Rate (APR) for Purchases (APR) for Purchases Annual Percentage Rate Annual Percentage Rate (APR) for Purchases Annual Percentage Rate Annual Percentage Rate Annual Percentage Rate (APR) for Purchases (APR) for Purchases After that, your APR will be between 7.99% and 18%.  After that, your APR will be between 7.99% and 18%.  After that, your APR will be between 7.99% and 18%.  After that, your APR will be between 7.99% and 18%.  1.99% Introductory APR for the first six months. 1.99% Introductory APR for the first six months. 1.99% Introductory APR for the first six months. 1.99% Introductory APR for the first six months. 1.99% Introductory APR for the first six months. 1.99% Introductory APR for the first six months. 1.99% Introductory APR for the first six months. 1.99% Introductory APR for the first six months. are over before payments will begin to restore your credit limit. You may  disclosures. 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  are over before payments will begin to restore your credit limit. You may  are over before payments will begin to restore your credit limit. You may  disclosures. If you are over your credit limit, you must pay the amount you  disclosures. If you are over your credit limit, you must pay the amount you  disclosures. If you are over your credit limit, you must pay the amount you  disclosures. If you are over your credit limit, you must pay the amount you  After that, your APR will be between 7.99% and 18%.  After that, your APR will be between 7.99% and 18%.  After that, your APR will be between 7.99% and 18%.  disclosures. If you are over your credit limit, you must pay the amount you  family, or otherwise issued upon Cardholder�s request (all such Cards bearing  the same Visa account number hereinafter collectively called �Related Cards�).  family, or otherwise issued upon Cardholder�s request (all such Cards bearing  family, or otherwise issued upon Cardholder�s request (all such Cards bearing  the same Visa account number hereinafter collectively called �Related Cards�).  family, or otherwise issued upon Cardholder�s request (all such Cards bearing  family, or otherwise issued upon Cardholder�s request (all such Cards bearing  family, or otherwise issued upon Cardholder�s request (all such Cards bearing  the same Visa account number hereinafter collectively called �Related Cards�).  later. You may pay more frequently, pay more than the minimum payment, or  later. You may pay more frequently, pay more than the minimum payment, or  repay the Total New Balance in full at your option without penalty. If you make  repay the Total New Balance in full at your option without penalty. If you make  later. You may pay more frequently, pay more than the minimum payment, or  later. You may pay more frequently, pay more than the minimum payment, or  repay the Total New Balance in full at your option without penalty. If you make  later. You may pay more frequently, pay more than the minimum payment, or  entire balance has been paid. Any shares that were given as security for your  entire balance has been paid. Any shares that were given as security for your  Account may be applied towards what you owe the Issuer. Account may be applied towards what you owe the Issuer. Account may be applied towards what you owe the Issuer. entire balance has been paid. Any shares that were given as security for your  entire balance has been paid. Any shares that were given as security for your  entire balance has been paid. Any shares that were given as security for your  insolvent, or any attachment or garnishment proceedings are initiated  insolvent, or any attachment or garnishment proceedings are initiated  insolvent, or any attachment or garnishment proceedings are initiated  insolvent, or any attachment or garnishment proceedings are initiated  insolvent, or any attachment or garnishment proceedings are initiated 
   (APR) for Purchases (APR) for Purchases                                                                                           later. You may pay more frequently, pay more than the minimum payment, or  entire balance has been paid. Any shares that were given as security for your  insolvent, or any attachment or garnishment proceedings are initiated 
                 This APR will vary with the market based on the Prime Rate.  After that, your APR will be between 7.99% and 18%.  After that, your APR will be between 7.99% and 18%.  After that, your APR will be between 7.99% and 18%.  After that, your APR will be between 7.99% and 18%.  After that, your APR will be between 7.99% and 18%.  This APR will vary with the market based on the Prime Rate.  This APR will vary with the market based on the Prime Rate.  This APR will vary with the market based on the Prime Rate.  are over before payments will begin to restore your credit limit. You may  are over before payments will begin to restore your credit limit. You may  are over before payments will begin to restore your credit limit. You may  the same Visa account number hereinafter collectively called �Related Cards�).  the same Visa account number hereinafter collectively called �Related Cards�).  the same Visa account number hereinafter collectively called �Related Cards�).  repay the Total New Balance in full at your option without penalty. If you make  repay the Total New Balance in full at your option without penalty. If you make  repay the Total New Balance in full at your option without penalty. If you make  Account may be applied towards what you owe the Issuer. Account may be applied towards what you owe the Issuer. Account may be applied towards what you owe the Issuer. against you or your property, or in the event of your death, FRFCU may  against you or your property, or in the event of your death, FRFCU may  against you or your property, or in the event of your death, FRFCU may 
   (APR) for Purchases (APR) for Purchases (APR) for Purchases (APR) for Purchases (APR) for Purchases (APR) for Purchases (APR) for Purchases (APR) for Purchases This APR will vary with the market based on the Prime Rate.  After that, your APR will be between 7.99% and 18%.  After that, your APR will be between 7.99% and 18%.  This APR will vary with the market based on the Prime Rate.  extra or larger payments, you are still required to make at least the minimum 
                     This APR will vary with the market based on the Prime Rate.  This APR will vary with the market based on the Prime Rate.  This APR will vary with the market based on the Prime Rate.  request an increase in your credit limit by a method acceptable to the Issuer.  are over before payments will begin to restore your credit limit. You may  are over before payments will begin to restore your credit limit. You may  are over before payments will begin to restore your credit limit. You may  are over before payments will begin to restore your credit limit. You may  are over before payments will begin to restore your credit limit. You may  are over before payments will begin to restore your credit limit. You may  request an increase in your credit limit by a method acceptable to the Issuer.  request an increase in your credit limit by a method acceptable to the Issuer.  request an increase in your credit limit by a method acceptable to the Issuer.  In addition, you agree to pay all Finance Charges and other charges added 
                                                                                                     the same Visa account number hereinafter collectively called �Related Cards�).  the same Visa account number hereinafter collectively called �Related Cards�).  In addition, you agree to pay all Finance Charges and other charges added  the same Visa account number hereinafter collectively called �Related Cards�).  In addition, you agree to pay all Finance Charges and other charges added  the same Visa account number hereinafter collectively called �Related Cards�).  the same Visa account number hereinafter collectively called �Related Cards�).  the same Visa account number hereinafter collectively called �Related Cards�).  In addition, you agree to pay all Finance Charges and other charges added  repay the Total New Balance in full at your option without penalty. If you make  extra or larger payments, you are still required to make at least the minimum  repay the Total New Balance in full at your option without penalty. If you make  repay the Total New Balance in full at your option without penalty. If you make  extra or larger payments, you are still required to make at least the minimum  repay the Total New Balance in full at your option without penalty. If you make  extra or larger payments, you are still required to make at least the minimum  repay the Total New Balance in full at your option without penalty. If you make  repay the Total New Balance in full at your option without penalty. If you make  Account may be applied towards what you owe the Issuer. Account may be applied towards what you owe the Issuer. Account may be applied towards what you owe the Issuer. Account may be applied towards what you owe the Issuer. Account may be applied towards what you owe the Issuer. Account may be applied towards what you owe the Issuer. elect to declare all amounts then owed to be immediately due and payable  against you or your property, or in the event of your death, FRFCU may  against you or your property, or in the event of your death, FRFCU may  against you or your property, or in the event of your death, FRFCU may  elect to declare all amounts then owed to be immediately due and payable  elect to declare all amounts then owed to be immediately due and payable  against you or your property, or in the event of your death, FRFCU may  elect to declare all amounts then owed to be immediately due and payable  against you or your property, or in the event of your death, FRFCU may  against you or your property, or in the event of your death, FRFCU may 
                 Your interest rate will vary based on your credit history. This APR will vary with the market based on the Prime Rate.  Your interest rate will vary based on your credit history. Your interest rate will vary based on your credit history. Your interest rate will vary based on your credit history. This APR will vary with the market based on the Prime Rate.  This APR will vary with the market based on the Prime Rate. 
                     After that, your APR will be between 7.99% and 18%.  After that, your APR will be between 7.99% and 18%.  After that, your APR will be between 7.99% and 18%.  After that, your APR will be between 7.99% and 18%.  After that, your APR will be between 7.99% and 18%.  After that, your APR will be between 7.99% and 18%.  After that, your APR will be between 7.99% and 18%.  After that, your APR will be between 7.99% and 18%.  This APR will vary with the market based on the Prime Rate.  This APR will vary with the market based on the Prime Rate.  This APR will vary with the market based on the Prime Rate.  This APR will vary with the market based on the Prime Rate.  This APR will vary with the market based on the Prime Rate. 
                     Your interest rate will vary based on your credit history. request an increase in your credit limit by a method acceptable to the Issuer.  request an increase in your credit limit by a method acceptable to the Issuer.  request an increase in your credit limit by a method acceptable to the Issuer.  In addition, you agree to pay all Finance Charges and other charges added  In addition, you agree to pay all Finance Charges and other charges added  In addition, you agree to pay all Finance Charges and other charges added  extra or larger payments, you are still required to make at least the minimum  extra or larger payments, you are still required to make at least the minimum  extra or larger payments, you are still required to make at least the minimum  elect to declare all amounts then owed to be immediately due and payable  elect to declare all amounts then owed to be immediately due and payable  elect to declare all amounts then owed to be immediately due and payable 
                 Your interest rate will vary based on your credit history. Your interest rate will vary based on your credit history.*** Your interest rate will vary based on your credit history. Your interest rate will vary based on your credit history. Your interest rate will vary based on your credit history. Your interest rate will vary based on your credit history. Your interest rate will vary based on your credit history. This APR will vary with the market based on the Prime Rate.  This APR will vary with the market based on the Prime Rate.  The Issuer has the right to increase/decrease your credit limit, decline any  request an increase in your credit limit by a method acceptable to the Issuer.  The Issuer has the right to increase/decrease your credit limit, decline any  request an increase in your credit limit by a method acceptable to the Issuer.  request an increase in your credit limit by a method acceptable to the Issuer.  request an increase in your credit limit by a method acceptable to the Issuer.  The Issuer has the right to increase/decrease your credit limit, decline any  The Issuer has the right to increase/decrease your credit limit, decline any  request an increase in your credit limit by a method acceptable to the Issuer.  request an increase in your credit limit by a method acceptable to the Issuer.  to your Account under the terms of this Disclosure and Agreement and any  In addition, you agree to pay all Finance Charges and other charges added  In addition, you agree to pay all Finance Charges and other charges added  to your Account under the terms of this Disclosure and Agreement and any  In addition, you agree to pay all Finance Charges and other charges added  to your Account under the terms of this Disclosure and Agreement and any  In addition, you agree to pay all Finance Charges and other charges added  In addition, you agree to pay all Finance Charges and other charges added  to your Account under the terms of this Disclosure and Agreement and any  In addition, you agree to pay all Finance Charges and other charges added  payment each month your Account has a balance (other than a credit  extra or larger payments, you are still required to make at least the minimum  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  payment each month your Account has a balance (other than a credit  extra or larger payments, you are still required to make at least the minimum  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  extra or larger payments, you are still required to make at least the minimum  Security Interest: AS A CONDITION OF CREDIT UNION�S OPENING YOUR  Security Interest: AS A CONDITION OF CREDIT UNION�S OPENING YOUR  Security Interest: AS A CONDITION OF CREDIT UNION�S OPENING YOUR  Security Interest: AS A CONDITION OF CREDIT UNION�S OPENING YOUR  without notice or demand of any kind. without notice or demand of any kind. without notice or demand of any kind. without notice or demand of any kind.
                                                                                                                                     extra or larger payments, you are still required to make at least the minimum  elect to declare all amounts then owed to be immediately due and payable  elect to declare all amounts then owed to be immediately due and payable  elect to declare all amounts then owed to be immediately due and payable  elect to declare all amounts then owed to be immediately due and payable  elect to declare all amounts then owed to be immediately due and payable  elect to declare all amounts then owed to be immediately due and payable 
                     Your interest rate will vary based on your credit history. Your interest rate will vary based on your credit history. Your interest rate will vary based on your credit history. Your interest rate will vary based on your credit history. Your interest rate will vary based on your credit history. This APR will vary with the market based on the Prime Rate.  This APR will vary with the market based on the Prime Rate.  This APR will vary with the market based on the Prime Rate.  This APR will vary with the market based on the Prime Rate.  This APR will vary with the market based on the Prime Rate.  This APR will vary with the market based on the Prime Rate.  This APR will vary with the market based on the Prime Rate.  This APR will vary with the market based on the Prime Rate.  transaction including but not limited to cash advances, and/or terminate your  The Issuer has the right to increase/decrease your credit limit, decline any  The Issuer has the right to increase/decrease your credit limit, decline any  The Issuer has the right to increase/decrease your credit limit, decline any  to your Account under the terms of this Disclosure and Agreement and any  other applicable Agreement you have made with FRFCU. You undertake to  to your Account under the terms of this Disclosure and Agreement and any  to your Account under the terms of this Disclosure and Agreement and any  payment each month your Account has a balance (other than a credit  payment each month your Account has a balance (other than a credit  payment each month your Account has a balance (other than a credit  Security Interest: AS A CONDITION OF CREDIT UNION�S OPENING YOUR  Security Interest: AS A CONDITION OF CREDIT UNION�S OPENING YOUR  Security Interest: AS A CONDITION OF CREDIT UNION�S OPENING YOUR  without notice or demand of any kind. without notice or demand of any kind. without notice or demand of any kind.
 APR for Balance APR for Balance APR for Balance APR for Balance Your interest rate will vary based on your credit history. Your interest rate will vary based on your credit history. The Issuer has the right to increase/decrease your credit limit, decline any  The Issuer has the right to increase/decrease your credit limit, decline any  The Issuer has the right to increase/decrease your credit limit, decline any  The Issuer has the right to increase/decrease your credit limit, decline any  The Issuer has the right to increase/decrease your credit limit, decline any  transaction including but not limited to cash advances, and/or terminate your  transaction including but not limited to cash advances, and/or terminate your  The Issuer has the right to increase/decrease your credit limit, decline any  transaction including but not limited to cash advances, and/or terminate your  other applicable Agreement you have made with FRFCU. You undertake to  to your Account under the terms of this Disclosure and Agreement and any  to your Account under the terms of this Disclosure and Agreement and any  other applicable Agreement you have made with FRFCU. You undertake to  to your Account under the terms of this Disclosure and Agreement and any  to your Account under the terms of this Disclosure and Agreement and any  to your Account under the terms of this Disclosure and Agreement and any  other applicable Agreement you have made with FRFCU. You undertake to  to your Account under the terms of this Disclosure and Agreement and any  balance). The required MINIMUM MONTHLY PAYMENT will be the greater  balance). The required MINIMUM MONTHLY PAYMENT will be the greater  payment each month your Account has a balance (other than a credit  payment each month your Account has a balance (other than a credit  payment each month your Account has a balance (other than a credit  balance). The required MINIMUM MONTHLY PAYMENT will be the greater  balance). The required MINIMUM MONTHLY PAYMENT will be the greater  payment each month your Account has a balance (other than a credit  payment each month your Account has a balance (other than a credit  payment each month your Account has a balance (other than a credit  ACCOUNT AND YOUR USE OF THIS CARD, Security Interest: AS A CONDITION OF CREDIT UNION�S OPENING YOUR  ACCOUNT AND YOUR USE OF THIS CARD, Security Interest: AS A CONDITION OF CREDIT UNION�S OPENING YOUR  ACCOUNT AND YOUR USE OF THIS CARD, Security Interest: AS A CONDITION OF CREDIT UNION�S OPENING YOUR  ACCOUNT AND YOUR USE OF THIS CARD, Security Interest: AS A CONDITION OF CREDIT UNION�S OPENING YOUR  Security Interest: AS A CONDITION OF CREDIT UNION�S OPENING YOUR  Security Interest: AS A CONDITION OF CREDIT UNION�S OPENING YOUR  without notice or demand of any kind. without notice or demand of any kind. without notice or demand of any kind. without notice or demand of any kind. without notice or demand of any kind. without notice or demand of any kind.
   APR for Balance
 APR for Balance APR for Balance APR for Balance APR for Balance APR for Balance APR for Balance 7.99% - 17.99% Your interest rate will vary based on your credit history. Your interest rate will vary based on your credit history. Your interest rate will vary based on your credit history. Your interest rate will vary based on your credit history. Your interest rate will vary based on your credit history. Your interest rate will vary based on your credit history. Your interest rate will vary based on your credit history. Your interest rate will vary based on your credit history. 7.99% - 17.99% 7.99% - 17.99% 7.99% - 17.99% transaction including but not limited to cash advances, and/or terminate your  ACCOUNT AND YOUR USE OF THIS CARD, ACCOUNT AND YOUR USE OF THIS CARD, ACCOUNT AND YOUR USE OF THIS CARD,
 Transfers APR for Balance APR for Balance APR for Balance Transfers APR for Balance APR for Balance Transfers Transfers 7.99% - 18% 7.99% - 18% 7.99% - 18% 7.99% - 18% 4.99% Life of Balance** Account at any time for any reason not prohibited by law. transaction including but not limited to cash advances, and/or terminate your  transaction including but not limited to cash advances, and/or terminate your  safeguard the Card against damage, loss, theft or misuse and to maintain it at  other applicable Agreement you have made with FRFCU. You undertake to  other applicable Agreement you have made with FRFCU. You undertake to  other applicable Agreement you have made with FRFCU. You undertake to  balance). The required MINIMUM MONTHLY PAYMENT will be the greater  balance). The required MINIMUM MONTHLY PAYMENT will be the greater  balance). The required MINIMUM MONTHLY PAYMENT will be the greater 
                                                                    transaction including but not limited to cash advances, and/or terminate your  transaction including but not limited to cash advances, and/or terminate your  transaction including but not limited to cash advances, and/or terminate your  transaction including but not limited to cash advances, and/or terminate your  Account at any time for any reason not prohibited by law. transaction including but not limited to cash advances, and/or terminate your  Account at any time for any reason not prohibited by law. Account at any time for any reason not prohibited by law. transaction including but not limited to cash advances, and/or terminate your  safeguard the Card against damage, loss, theft or misuse and to maintain it at  safeguard the Card against damage, loss, theft or misuse and to maintain it at  safeguard the Card against damage, loss, theft or misuse and to maintain it at  other applicable Agreement you have made with FRFCU. You undertake to  other applicable Agreement you have made with FRFCU. You undertake to  other applicable Agreement you have made with FRFCU. You undertake to  other applicable Agreement you have made with FRFCU. You undertake to  other applicable Agreement you have made with FRFCU. You undertake to  other applicable Agreement you have made with FRFCU. You undertake to  of: a) $25 or b) 3% of the portion of the outstanding balance which does not  balance). The required MINIMUM MONTHLY PAYMENT will be the greater  balance). The required MINIMUM MONTHLY PAYMENT will be the greater  of: a) $25 or b) 3% of the portion of the outstanding balance which does not  balance). The required MINIMUM MONTHLY PAYMENT will be the greater  balance). The required MINIMUM MONTHLY PAYMENT will be the greater  of: a) $25 or b) 3% of the portion of the outstanding balance which does not  balance). The required MINIMUM MONTHLY PAYMENT will be the greater  balance). The required MINIMUM MONTHLY PAYMENT will be the greater  of: a) $25 or b) 3% of the portion of the outstanding balance which does not  YOU HEREBY GRANT TO FRFCU A SECURITY INTEREST IN ALL SHARES,  YOU HEREBY GRANT TO FRFCU A SECURITY INTEREST IN ALL SHARES,  ACCOUNT AND YOUR USE OF THIS CARD, ACCOUNT AND YOUR USE OF THIS CARD, YOU HEREBY GRANT TO FRFCU A SECURITY INTEREST IN ALL SHARES,  YOU HEREBY GRANT TO FRFCU A SECURITY INTEREST IN ALL SHARES,  ACCOUNT AND YOUR USE OF THIS CARD, ACCOUNT AND YOUR USE OF THIS CARD, ACCOUNT AND YOUR USE OF THIS CARD, ACCOUNT AND YOUR USE OF THIS CARD, Reapplication: A reapplication by you and approval by the Issuer may be  Reapplication: A reapplication by you and approval by the Issuer may be  Reapplication: A reapplication by you and approval by the Issuer may be  Reapplication: A reapplication by you and approval by the Issuer may be 
   Transfers Transfers APR for Balance APR for Balance Transfers Transfers 7.99% - 17.99% 7.99% - 17.99% 7.99% - 17.99%
 Transfers Transfers Transfers This APR will vary with the market based on the Prime Rate This APR will vary with the market based on the Prime Rate 7.99% - 17.99% 7.99% - 17.99% This APR will vary with the market based on the Prime Rate 7.99% - 17.99% 7.99% - 17.99% This APR will vary with the market based on the Prime Rate 7.99% - 17.99%
                     7.99% - 18% 7.99% - 18%                     Account at any time for any reason not prohibited by law. Account at any time for any reason not prohibited by law. Account at any time for any reason not prohibited by law. safeguard the Card against damage, loss, theft or misuse and to maintain it at  safeguard the Card against damage, loss, theft or misuse and to maintain it at  safeguard the Card against damage, loss, theft or misuse and to maintain it at  of: a) $25 or b) 3% of the portion of the outstanding balance which does not  of: a) $25 or b) 3% of the portion of the outstanding balance which does not  of: a) $25 or b) 3% of the portion of the outstanding balance which does not  DEPOSITS AND OTHER FUNDS ON DEPOSIT WITH YOU HEREBY GRANT TO FRFCU A SECURITY INTEREST IN ALL SHARES,  YOU HEREBY GRANT TO FRFCU A SECURITY INTEREST IN ALL SHARES,  YOU HEREBY GRANT TO FRFCU A SECURITY INTEREST IN ALL SHARES,  Reapplication: A reapplication by you and approval by the Issuer may be  required if: a) the credit limit is increased; or b) the terms of payment are  Reapplication: A reapplication by you and approval by the Issuer may be  Reapplication: A reapplication by you and approval by the Issuer may be 
   Transfers APR for Balance Transfers APR for Balance APR for Balance APR for Balance Transfers APR for Balance APR for Balance Transfers APR for Balance Transfers APR for Balance This APR will vary with the market based on the Prime Rate Account at any time for any reason not prohibited by law. Account at any time for any reason not prohibited by law. Account at any time for any reason not prohibited by law. Account at any time for any reason not prohibited by law. Account at any time for any reason not prohibited by law. Account at any time for any reason not prohibited by law. all times in a safe place. You will be responsible for any loss, claim or damage  all times in a safe place. You will be responsible for any loss, claim or damage  safeguard the Card against damage, loss, theft or misuse and to maintain it at  safeguard the Card against damage, loss, theft or misuse and to maintain it at  safeguard the Card against damage, loss, theft or misuse and to maintain it at  safeguard the Card against damage, loss, theft or misuse and to maintain it at  all times in a safe place. You will be responsible for any loss, claim or damage  all times in a safe place. You will be responsible for any loss, claim or damage  safeguard the Card against damage, loss, theft or misuse and to maintain it at  exceed your credit limit, plus the entire portion of the outstanding balance  exceed your credit limit, plus the entire portion of the outstanding balance  of: a) $25 or b) 3% of the portion of the outstanding balance which does not  of: a) $25 or b) 3% of the portion of the outstanding balance which does not  exceed your credit limit, plus the entire portion of the outstanding balance  of: a) $25 or b) 3% of the portion of the outstanding balance which does not  of: a) $25 or b) 3% of the portion of the outstanding balance which does not  exceed your credit limit, plus the entire portion of the outstanding balance  of: a) $25 or b) 3% of the portion of the outstanding balance which does not  DEPOSITS AND OTHER FUNDS ON DEPOSIT WITH YOU HEREBY GRANT TO FRFCU A SECURITY INTEREST IN ALL SHARES,  YOU HEREBY GRANT TO FRFCU A SECURITY INTEREST IN ALL SHARES,  DEPOSITS AND OTHER FUNDS ON DEPOSIT WITH YOU HEREBY GRANT TO FRFCU A SECURITY INTEREST IN ALL SHARES,  YOU HEREBY GRANT TO FRFCU A SECURITY INTEREST IN ALL SHARES,  DEPOSITS AND OTHER FUNDS ON DEPOSIT WITH YOU HEREBY GRANT TO FRFCU A SECURITY INTEREST IN ALL SHARES,  Reapplication: A reapplication by you and approval by the Issuer may be  Reapplication: A reapplication by you and approval by the Issuer may be  Reapplication: A reapplication by you and approval by the Issuer may be  required if: a) the credit limit is increased; or b) the terms of payment are  required if: a) the credit limit is increased; or b) the terms of payment are  Reapplication: A reapplication by you and approval by the Issuer may be  Reapplication: A reapplication by you and approval by the Issuer may be  required if: a) the credit limit is increased; or b) the terms of payment are 
   Transfers Transfers This APR will vary with the market based on the Prime Rate 7.99%- 18% This APR will vary with the market based on the  This APR will vary with the market based on the Prime Rate This APR will vary with the market based on the Prime Rate This APR will vary with the market based on the Prime Rate This APR will vary with the market based on the Prime Rate This APR will vary with the market based on the Prime Rate safeguard the Card against damage, loss, theft or misuse and to maintain it at  of: a) $25 or b) 3% of the portion of the outstanding balance which does not  YOU HEREBY GRANT TO FRFCU A SECURITY INTEREST IN ALL SHARES,  Reapplication: A reapplication by you and approval by the Issuer may be 
                     This APR will vary with the market based on the Prime Rate 7.99% - 18% This APR will vary with the market based on the Prime Rate 7.99% - 18% 7.99% - 18% This APR will vary with the market based on the Prime Rate 7.99% - 18% 7.99% - 18% This APR will vary with the market based on the Prime Rate 7.99% - 18% This APR will vary with the market based on the Prime Rate 7.99% - 18% 7.99% - 18% resulting from your failure to do so. all times in a safe place. You will be responsible for any loss, claim or damage  all times in a safe place. You will be responsible for any loss, claim or damage  all times in a safe place. You will be responsible for any loss, claim or damage  exceed your credit limit, plus the entire portion of the outstanding balance  in excess of your credit limit, plus any amount past due. If the outstanding  exceed your credit limit, plus the entire portion of the outstanding balance  exceed your credit limit, plus the entire portion of the outstanding balance  DEPOSITS AND OTHER FUNDS ON DEPOSIT WITH FRFCU IN WHICH YOU HAVE AN OWNERSHIP INTEREST (other than an IRA or  DEPOSITS AND OTHER FUNDS ON DEPOSIT WITH DEPOSITS AND OTHER FUNDS ON DEPOSIT WITH required if: a) the credit limit is increased; or b) the terms of payment are  extended beyond the terms of the original agreement. extended beyond the terms of the original agreement. extended beyond the terms of the original agreement. required if: a) the credit limit is increased; or b) the terms of payment are  required if: a) the credit limit is increased; or b) the terms of payment are  extended beyond the terms of the original agreement. Using Your Credit Card Account: You may use your card to make  Using Your Credit Card Account: You may use your card to make  Using Your Credit Card Account: You may use your card to make  Using Your Credit Card Account: You may use your card to make  resulting from your failure to do so. resulting from your failure to do so. resulting from your failure to do so. in excess of your credit limit, plus any amount past due. If the outstanding  in excess of your credit limit, plus any amount past due. If the outstanding  in excess of your credit limit, plus any amount past due. If the outstanding  DEPOSITS AND OTHER FUNDS ON DEPOSIT WITH DEPOSITS AND OTHER FUNDS ON DEPOSIT WITH DEPOSITS AND OTHER FUNDS ON DEPOSIT WITH FRFCU IN WHICH YOU HAVE AN OWNERSHIP INTEREST (other than an IRA or  DEPOSITS AND OTHER FUNDS ON DEPOSIT WITH FRFCU IN WHICH YOU HAVE AN OWNERSHIP INTEREST (other than an IRA or  DEPOSITS AND OTHER FUNDS ON DEPOSIT WITH FRFCU IN WHICH YOU HAVE AN OWNERSHIP INTEREST (other than an IRA or 
 APR for Cash Advances Transfers Transfers Transfers Transfers Transfers Transfers Transfers Transfers                                                                                                required if: a) the credit limit is increased; or b) the terms of payment are  required if: a) the credit limit is increased; or b) the terms of payment are  required if: a) the credit limit is increased; or b) the terms of payment are  required if: a) the credit limit is increased; or b) the terms of payment are  required if: a) the credit limit is increased; or b) the terms of payment are 
   APR for Cash Advances APR for Cash Advances APR for Cash Advances This APR will vary with the market based on the Prime Rate This APR will vary with the market based on the Prime Rate all times in a safe place. You will be responsible for any loss, claim or damage  all times in a safe place. You will be responsible for any loss, claim or damage  all times in a safe place. You will be responsible for any loss, claim or damage  all times in a safe place. You will be responsible for any loss, claim or damage  all times in a safe place. You will be responsible for any loss, claim or damage  all times in a safe place. You will be responsible for any loss, claim or damage  exceed your credit limit, plus the entire portion of the outstanding balance  exceed your credit limit, plus the entire portion of the outstanding balance  exceed your credit limit, plus the entire portion of the outstanding balance  exceed your credit limit, plus the entire portion of the outstanding balance  exceed your credit limit, plus the entire portion of the outstanding balance  exceed your credit limit, plus the entire portion of the outstanding balance  DEPOSITS AND OTHER FUNDS ON DEPOSIT WITH required if: a) the credit limit is increased; or b) the terms of payment are 
   APR for Cash Advances Prime Rate. Your interest rate will vary based on your credit history.***
 APR for Cash Advances APR for Cash Advances APR for Cash Advances APR for Cash Advances APR for Cash Advances APR for Cash Advances 7.99% - 17.99% This APR will vary with the market based on the Prime Rate 7.99% - 17.99% This APR will vary with the market based on the Prime Rate This APR will vary with the market based on the Prime Rate This APR will vary with the market based on the Prime Rate 7.99% - 17.99% This APR will vary with the market based on the Prime Rate This APR will vary with the market based on the Prime Rate This APR will vary with the market based on the Prime Rate 7.99% - 17.99% This APR will vary with the market based on the Prime Rate Using Your Credit Card Account: You may use your card to make  Using Your Credit Card Account: You may use your card to make  Using Your Credit Card Account: You may use your card to make  resulting from your failure to do so. resulting from your failure to do so. resulting from your failure to do so. in excess of your credit limit, plus any amount past due. If the outstanding  in excess of your credit limit, plus any amount past due. If the outstanding  in excess of your credit limit, plus any amount past due. If the outstanding  FRFCU IN WHICH YOU HAVE AN OWNERSHIP INTEREST (other than an IRA or  FRFCU IN WHICH YOU HAVE AN OWNERSHIP INTEREST (other than an IRA or  FRFCU IN WHICH YOU HAVE AN OWNERSHIP INTEREST (other than an IRA or  extended beyond the terms of the original agreement. extended beyond the terms of the original agreement. extended beyond the terms of the original agreement.
                     7.99% - 18%                                 purchases from entities that accept credit cards. You may be required to  purchases from entities that accept credit cards. You may be required to  Using Your Credit Card Account: You may use your card to make  Using Your Credit Card Account: You may use your card to make  purchases from entities that accept credit cards. You may be required to  purchases from entities that accept credit cards. You may be required to  Using Your Credit Card Account: You may use your card to make  Using Your Credit Card Account: You may use your card to make  Using Your Credit Card Account: You may use your card to make  Using Your Credit Card Account: You may use your card to make  resulting from your failure to do so. resulting from your failure to do so. resulting from your failure to do so. resulting from your failure to do so. resulting from your failure to do so. resulting from your failure to do so. balance of your account is $25 or less, it will be payable in full. FRFCU may  in excess of your credit limit, plus any amount past due. If the outstanding  balance of your account is $25 or less, it will be payable in full. FRFCU may  balance of your account is $25 or less, it will be payable in full. FRFCU may  balance of your account is $25 or less, it will be payable in full. FRFCU may  in excess of your credit limit, plus any amount past due. If the outstanding  in excess of your credit limit, plus any amount past due. If the outstanding  in excess of your credit limit, plus any amount past due. If the outstanding  in excess of your credit limit, plus any amount past due. If the outstanding  in excess of your credit limit, plus any amount past due. If the outstanding  other account where this security interest would cause the loss of tax-exempt  other account where this security interest would cause the loss of tax-exempt  other account where this security interest would cause the loss of tax-exempt  FRFCU IN WHICH YOU HAVE AN OWNERSHIP INTEREST (other than an IRA or  FRFCU IN WHICH YOU HAVE AN OWNERSHIP INTEREST (other than an IRA or  FRFCU IN WHICH YOU HAVE AN OWNERSHIP INTEREST (other than an IRA or  other account where this security interest would cause the loss of tax-exempt  FRFCU IN WHICH YOU HAVE AN OWNERSHIP INTEREST (other than an IRA or  FRFCU IN WHICH YOU HAVE AN OWNERSHIP INTEREST (other than an IRA or  extended beyond the terms of the original agreement. extended beyond the terms of the original agreement. extended beyond the terms of the original agreement. extended beyond the terms of the original agreement. extended beyond the terms of the original agreement.
   APR for Cash Advances APR for Cash Advances APR for Cash Advances APR for Cash Advances APR for Cash Advances 7.99% - 17.99% 7.99% - 18% 7.99% - 18% 7.99% - 17.99% 7.99% - 18% 7.99% - 17.99% FRFCU IN WHICH YOU HAVE AN OWNERSHIP INTEREST (other than an IRA or  extended beyond the terms of the original agreement.
   APR for Cash Advances APR for Cash Advances This APR will vary with the market based on the Prime Rate 7.99% - 17.99% 7.99% - 17.99% 7.99% - 17.99% 7.99% - 17.99% 7.99% - 17.99% purchases from entities that accept credit cards. You may be required to  purchases from entities that accept credit cards. You may be required to  purchases from entities that accept credit cards. You may be required to  Young Members: The Credit Card Act restricts FRFCU�s ability to provide  balance of your account is $25 or less, it will be payable in full. FRFCU may  accept checks marked �Payment in Full� or with words of similar effect without  balance of your account is $25 or less, it will be payable in full. FRFCU may  balance of your account is $25 or less, it will be payable in full. FRFCU may  other account where this security interest would cause the loss of tax-exempt  other account where this security interest would cause the loss of tax-exempt  other account where this security interest would cause the loss of tax-exempt 
                     This APR will vary with the market based on the Prime Rate 7.99% - 18% 7.99% - 18% This APR will vary with the market based on the Prime Rate This APR will vary with the market based on the Prime Rate provide card number security information to purchase goods or services via  purchases from entities that accept credit cards. You may be required to  provide card number security information to purchase goods or services via  purchases from entities that accept credit cards. You may be required to  purchases from entities that accept credit cards. You may be required to  purchases from entities that accept credit cards. You may be required to  provide card number security information to purchase goods or services via  purchases from entities that accept credit cards. You may be required to  purchases from entities that accept credit cards. You may be required to  provide card number security information to purchase goods or services via  Young Members: The Credit Card Act restricts FRFCU�s ability to provide  Young Members: The Credit Card Act restricts FRFCU�s ability to provide  Young Members: The Credit Card Act restricts FRFCU�s ability to provide  accept checks marked �Payment in Full� or with words of similar effect without  balance of your account is $25 or less, it will be payable in full. FRFCU may  accept checks marked �Payment in Full� or with words of similar effect without  balance of your account is $25 or less, it will be payable in full. FRFCU may  balance of your account is $25 or less, it will be payable in full. FRFCU may  balance of your account is $25 or less, it will be payable in full. FRFCU may  balance of your account is $25 or less, it will be payable in full. FRFCU may  accept checks marked �Payment in Full� or with words of similar effect without  balance of your account is $25 or less, it will be payable in full. FRFCU may  or tax- deferred status). THE SECURITY INTEREST IS FOR ALL AMOUNTS OWED  other account where this security interest would cause the loss of tax-exempt  or tax- deferred status). THE SECURITY INTEREST IS FOR ALL AMOUNTS OWED  other account where this security interest would cause the loss of tax-exempt  other account where this security interest would cause the loss of tax-exempt  or tax- deferred status). THE SECURITY INTEREST IS FOR ALL AMOUNTS OWED  other account where this security interest would cause the loss of tax-exempt  or tax- deferred status). THE SECURITY INTEREST IS FOR ALL AMOUNTS OWED  other account where this security interest would cause the loss of tax-exempt  Delinquent loans: You fully understand, acknowledge and agree that if  Delinquent loans: You fully understand, acknowledge and agree that if  Delinquent loans: You fully understand, acknowledge and agree that if  Delinquent loans: You fully understand, acknowledge and agree that if 
   APR for Cash Advances APR for Cash Advances APR for Cash Advances APR for Cash Advances APR for Cash Advances APR for Cash Advances APR for Cash Advances APR for Cash Advances This APR will vary with the market based on the Prime Rate other account where this security interest would cause the loss of tax-exempt 
                 This APR will vary with the market based on the Prime Rate This APR will vary with the market based on the Prime Rate This APR will vary with the market based on the Prime Rate This APR will vary with the market based on the Prime Rate
                     7.99% - 18% 7.99% - 18% 7.99% - 18% 7.99% - 18% 7.99% - 18% 7.99% - 18% 7.99% - 18% This APR will vary with the market based on the Prime Rate 7.99% - 18% This APR will vary with the market based on the Prime Rate provide card number security information to purchase goods or services via  provide card number security information to purchase goods or services via  provide card number security information to purchase goods or services via  Young Members: The Credit Card Act restricts FRFCU�s ability to provide  young members with credit cards who are under the age of 21. In order to  Young Members: The Credit Card Act restricts FRFCU�s ability to provide  Young Members: The Credit Card Act restricts FRFCU�s ability to provide  accept checks marked �Payment in Full� or with words of similar effect without  losing any of our rights to collect the full balance of your account. Except  accept checks marked �Payment in Full� or with words of similar effect without  accept checks marked �Payment in Full� or with words of similar effect without  or tax- deferred status). THE SECURITY INTEREST IS FOR ALL AMOUNTS OWED  TO FRFCU UNDER THE TERMS OF THIS AGREEMENT. IF YOU ARE IN DEFAULT  or tax- deferred status). THE SECURITY INTEREST IS FOR ALL AMOUNTS OWED  or tax- deferred status). THE SECURITY INTEREST IS FOR ALL AMOUNTS OWED  your loans with us become delinquent or past due, your credit card Account  Delinquent loans: You fully understand, acknowledge and agree that if  Delinquent loans: You fully understand, acknowledge and agree that if  Delinquent loans: You fully understand, acknowledge and agree that if 
                     This APR will vary with the market based on the Prime Rate.  This APR will vary with the market based on the Prime Rate This APR will vary with the market based on the Prime Rate This APR will vary with the market based on the Prime Rate This APR will vary with the market based on the Prime Rate This APR will vary with the market based on the Prime Rate the Internet or telephone before your transaction is completed. You may  the Internet or telephone before your transaction is completed. You may  provide card number security information to purchase goods or services via  provide card number security information to purchase goods or services via  provide card number security information to purchase goods or services via  provide card number security information to purchase goods or services via  the Internet or telephone before your transaction is completed. You may  provide card number security information to purchase goods or services via  the Internet or telephone before your transaction is completed. You may  Young Members: The Credit Card Act restricts FRFCU�s ability to provide  Young Members: The Credit Card Act restricts FRFCU�s ability to provide  Young Members: The Credit Card Act restricts FRFCU�s ability to provide  Young Members: The Credit Card Act restricts FRFCU�s ability to provide  young members with credit cards who are under the age of 21. In order to  Young Members: The Credit Card Act restricts FRFCU�s ability to provide  young members with credit cards who are under the age of 21. In order to  young members with credit cards who are under the age of 21. In order to  accept checks marked �Payment in Full� or with words of similar effect without  accept checks marked �Payment in Full� or with words of similar effect without  losing any of our rights to collect the full balance of your account. Except  accept checks marked �Payment in Full� or with words of similar effect without  losing any of our rights to collect the full balance of your account. Except  losing any of our rights to collect the full balance of your account. Except  accept checks marked �Payment in Full� or with words of similar effect without  accept checks marked �Payment in Full� or with words of similar effect without  or tax- deferred status). THE SECURITY INTEREST IS FOR ALL AMOUNTS OWED  TO FRFCU UNDER THE TERMS OF THIS AGREEMENT. IF YOU ARE IN DEFAULT  or tax- deferred status). THE SECURITY INTEREST IS FOR ALL AMOUNTS OWED  TO FRFCU UNDER THE TERMS OF THIS AGREEMENT. IF YOU ARE IN DEFAULT  or tax- deferred status). THE SECURITY INTEREST IS FOR ALL AMOUNTS OWED  or tax- deferred status). THE SECURITY INTEREST IS FOR ALL AMOUNTS OWED  TO FRFCU UNDER THE TERMS OF THIS AGREEMENT. IF YOU ARE IN DEFAULT  or tax- deferred status). THE SECURITY INTEREST IS FOR ALL AMOUNTS OWED  Delinquent loans: You fully understand, acknowledge and agree that if  your loans with us become delinquent or past due, your credit card Account  Delinquent loans: You fully understand, acknowledge and agree that if  Delinquent loans: You fully understand, acknowledge and agree that if  your loans with us become delinquent or past due, your credit card Account  Delinquent loans: You fully understand, acknowledge and agree that if  Delinquent loans: You fully understand, acknowledge and agree that if  your loans with us become delinquent or past due, your credit card Account 
 Penalty APR and When it Penalty APR and When it Penalty APR and When it Penalty APR and When it This APR will vary with the market based on the Prime Rate This APR will vary with the market based on the Prime Rate provide card number security information to purchase goods or services via  Young Members: The Credit Card Act restricts FRFCU�s ability to provide  accept checks marked �Payment in Full� or with words of similar effect without  or tax- deferred status). THE SECURITY INTEREST IS FOR ALL AMOUNTS OWED  Delinquent loans: You fully understand, acknowledge and agree that if 
   Penalty APR and When it 12.99% - 18%                          the Internet or telephone before your transaction is completed. You may  the Internet or telephone before your transaction is completed. You may  the Internet or telephone before your transaction is completed. You may  young members with credit cards who are under the age of 21. In order to  young members with credit cards who are under the age of 21. In order to  young members with credit cards who are under the age of 21. In order to  where prohibited by law, satisfaction of your account balance for less than the  losing any of our rights to collect the full balance of your account. Except  losing any of our rights to collect the full balance of your account. Except  losing any of our rights to collect the full balance of your account. Except  TO FRFCU UNDER THE TERMS OF THIS AGREEMENT. IF YOU ARE IN DEFAULT  TO FRFCU UNDER THE TERMS OF THIS AGREEMENT. IF YOU ARE IN DEFAULT  TO FRFCU UNDER THE TERMS OF THIS AGREEMENT. IF YOU ARE IN DEFAULT  your loans with us become delinquent or past due, your credit card Account  your loans with us become delinquent or past due, your credit card Account  your loans with us become delinquent or past due, your credit card Account 
 Penalty APR and When it Penalty APR and When it Penalty APR and When it Penalty APR and When it Penalty APR and When it Penalty APR and When it Your interest rate will vary based on your credit history.*** This APR will vary with the market based on the Prime Rate This APR will vary with the market based on the Prime Rate This APR will vary with the market based on the Prime Rate 12.99% - 18% This APR will vary with the market based on the Prime Rate This APR will vary with the market based on the Prime Rate This APR will vary with the market based on the Prime Rate 12.99% - 18% This APR will vary with the market based on the Prime Rate This APR will vary with the market based on the Prime Rate 12.99% - 18% use your Card to obtain cash advances from FRFCU, other participating  the Internet or telephone before your transaction is completed. You may  the Internet or telephone before your transaction is completed. You may  use your Card to obtain cash advances from FRFCU, other participating  use your Card to obtain cash advances from FRFCU, other participating  the Internet or telephone before your transaction is completed. You may  the Internet or telephone before your transaction is completed. You may  use your Card to obtain cash advances from FRFCU, other participating  the Internet or telephone before your transaction is completed. You may  the Internet or telephone before your transaction is completed. You may  issue credit cards to such members, the application will have to: 1) include  young members with credit cards who are under the age of 21. In order to  young members with credit cards who are under the age of 21. In order to  young members with credit cards who are under the age of 21. In order to  young members with credit cards who are under the age of 21. In order to  young members with credit cards who are under the age of 21. In order to  issue credit cards to such members, the application will have to: 1) include  issue credit cards to such members, the application will have to: 1) include  young members with credit cards who are under the age of 21. In order to  issue credit cards to such members, the application will have to: 1) include  losing any of our rights to collect the full balance of your account. Except  where prohibited by law, satisfaction of your account balance for less than the  losing any of our rights to collect the full balance of your account. Except  losing any of our rights to collect the full balance of your account. Except  losing any of our rights to collect the full balance of your account. Except  where prohibited by law, satisfaction of your account balance for less than the  losing any of our rights to collect the full balance of your account. Except  where prohibited by law, satisfaction of your account balance for less than the  losing any of our rights to collect the full balance of your account. Except  UNDER ANY TERM OF THIS AGREEMENT, FRFCU SHALL HAVE A RIGHT TO  TO FRFCU UNDER THE TERMS OF THIS AGREEMENT. IF YOU ARE IN DEFAULT  TO FRFCU UNDER THE TERMS OF THIS AGREEMENT. IF YOU ARE IN DEFAULT  TO FRFCU UNDER THE TERMS OF THIS AGREEMENT. IF YOU ARE IN DEFAULT  TO FRFCU UNDER THE TERMS OF THIS AGREEMENT. IF YOU ARE IN DEFAULT  TO FRFCU UNDER THE TERMS OF THIS AGREEMENT. IF YOU ARE IN DEFAULT  UNDER ANY TERM OF THIS AGREEMENT, FRFCU SHALL HAVE A RIGHT TO  UNDER ANY TERM OF THIS AGREEMENT, FRFCU SHALL HAVE A RIGHT TO  UNDER ANY TERM OF THIS AGREEMENT, FRFCU SHALL HAVE A RIGHT TO  shall be revoked, unless we determine that extenuating circumstances have  shall be revoked, unless we determine that extenuating circumstances have  shall be revoked, unless we determine that extenuating circumstances have  your loans with us become delinquent or past due, your credit card Account  your loans with us become delinquent or past due, your credit card Account  shall be revoked, unless we determine that extenuating circumstances have  your loans with us become delinquent or past due, your credit card Account  your loans with us become delinquent or past due, your credit card Account  your loans with us become delinquent or past due, your credit card Account 
 Applies Penalty APR and When it Penalty APR and When it Applies Penalty APR and When it Penalty APR and When it Penalty APR and When it Applies Applies 12.99% - 18% TO FRFCU UNDER THE TERMS OF THIS AGREEMENT. IF YOU ARE IN DEFAULT  your loans with us become delinquent or past due, your credit card Account 
   Applies Applies Applies Applies Penalty APR and When it Penalty APR and When it 12.99% - 18% 12.99% - 18% 12.99% - 18% 12.99% - 18% 12.99% - 18% 12.99% - 18% use your Card to obtain cash advances from FRFCU, other participating  use your Card to obtain cash advances from FRFCU, other participating  use your Card to obtain cash advances from FRFCU, other participating  issue credit cards to such members, the application will have to: 1) include  issue credit cards to such members, the application will have to: 1) include  issue credit cards to such members, the application will have to: 1) include  where prohibited by law, satisfaction of your account balance for less than the  where prohibited by law, satisfaction of your account balance for less than the  where prohibited by law, satisfaction of your account balance for less than the  UNDER ANY TERM OF THIS AGREEMENT, FRFCU SHALL HAVE A RIGHT TO  UNDER ANY TERM OF THIS AGREEMENT, FRFCU SHALL HAVE A RIGHT TO  UNDER ANY TERM OF THIS AGREEMENT, FRFCU SHALL HAVE A RIGHT TO  shall be revoked, unless we determine that extenuating circumstances have  shall be revoked, unless we determine that extenuating circumstances have  shall be revoked, unless we determine that extenuating circumstances have 
 Applies Applies Applies This APR may be applied to your account if your payment is more  12.99% - 18% 12.99% - 18% 12.99% - 18% 12.99% - 18% 12.99% - 18% This APR may be applied to your account if your payment is more  This APR may be applied to your account if your payment is more  This APR may be applied to your account if your payment is more  ?nancial institutions, or an automated teller machine (ATM) authorized for  use your Card to obtain cash advances from FRFCU, other participating  use your Card to obtain cash advances from FRFCU, other participating  use your Card to obtain cash advances from FRFCU, other participating  ?nancial institutions, or an automated teller machine (ATM) authorized for  use your Card to obtain cash advances from FRFCU, other participating  ?nancial institutions, or an automated teller machine (ATM) authorized for  ?nancial institutions, or an automated teller machine (ATM) authorized for  use your Card to obtain cash advances from FRFCU, other participating  the signature of a consignor, guarantor, or joint applicant who has attained  issue credit cards to such members, the application will have to: 1) include  issue credit cards to such members, the application will have to: 1) include  the signature of a consignor, guarantor, or joint applicant who has attained  issue credit cards to such members, the application will have to: 1) include  the signature of a consignor, guarantor, or joint applicant who has attained  the signature of a consignor, guarantor, or joint applicant who has attained  issue credit cards to such members, the application will have to: 1) include  issue credit cards to such members, the application will have to: 1) include  New Balance requires written agreement signed by one of our authorized  where prohibited by law, satisfaction of your account balance for less than the  New Balance requires written agreement signed by one of our authorized  where prohibited by law, satisfaction of your account balance for less than the  New Balance requires written agreement signed by one of our authorized  where prohibited by law, satisfaction of your account balance for less than the  where prohibited by law, satisfaction of your account balance for less than the  where prohibited by law, satisfaction of your account balance for less than the  New Balance requires written agreement signed by one of our authorized  IMMEDIATELY SEIZE YOUR SHARES, DEPOSITS AND/OR OTHER FUNDS  IMMEDIATELY SEIZE YOUR SHARES, DEPOSITS AND/OR OTHER FUNDS  UNDER ANY TERM OF THIS AGREEMENT, FRFCU SHALL HAVE A RIGHT TO  UNDER ANY TERM OF THIS AGREEMENT, FRFCU SHALL HAVE A RIGHT TO  UNDER ANY TERM OF THIS AGREEMENT, FRFCU SHALL HAVE A RIGHT TO  IMMEDIATELY SEIZE YOUR SHARES, DEPOSITS AND/OR OTHER FUNDS  UNDER ANY TERM OF THIS AGREEMENT, FRFCU SHALL HAVE A RIGHT TO  IMMEDIATELY SEIZE YOUR SHARES, DEPOSITS AND/OR OTHER FUNDS  UNDER ANY TERM OF THIS AGREEMENT, FRFCU SHALL HAVE A RIGHT TO  contributed to the delinquency. Under such circumstances we reserve the  contributed to the delinquency. Under such circumstances we reserve the  shall be revoked, unless we determine that extenuating circumstances have  shall be revoked, unless we determine that extenuating circumstances have  contributed to the delinquency. Under such circumstances we reserve the  contributed to the delinquency. Under such circumstances we reserve the  shall be revoked, unless we determine that extenuating circumstances have  shall be revoked, unless we determine that extenuating circumstances have  shall be revoked, unless we determine that extenuating circumstances have 
   Applies Applies Penalty APR and When it Penalty APR and When it Penalty APR and When it Penalty APR and When it Penalty APR and When it Applies Applies Penalty APR and When it Penalty APR and When it Penalty APR and When it Applies 12.99% - 18% 12.99% - 18% This APR may be applied to your account if your payment is more  use your Card to obtain cash advances from FRFCU, other participating  issue credit cards to such members, the application will have to: 1) include  where prohibited by law, satisfaction of your account balance for less than the  UNDER ANY TERM OF THIS AGREEMENT, FRFCU SHALL HAVE A RIGHT TO  shall be revoked, unless we determine that extenuating circumstances have 
   Applies Applies This APR may be applied to your account if your payment is more  This APR may be applied to your account if your payment is more  This APR may be applied to your account if your payment is more  This APR may be applied to your account if your payment is more  ?nancial institutions, or an automated teller machine (ATM) authorized for  ?nancial institutions, or an automated teller machine (ATM) authorized for  ?nancial institutions, or an automated teller machine (ATM) authorized for  the signature of a consignor, guarantor, or joint applicant who has attained  the signature of a consignor, guarantor, or joint applicant who has attained  the signature of a consignor, guarantor, or joint applicant who has attained  New Balance requires written agreement signed by one of our authorized  New Balance requires written agreement signed by one of our authorized  New Balance requires written agreement signed by one of our authorized  IMMEDIATELY SEIZE YOUR SHARES, DEPOSITS AND/OR OTHER FUNDS  IMMEDIATELY SEIZE YOUR SHARES, DEPOSITS AND/OR OTHER FUNDS  IMMEDIATELY SEIZE YOUR SHARES, DEPOSITS AND/OR OTHER FUNDS  contributed to the delinquency. Under such circumstances we reserve the  contributed to the delinquency. Under such circumstances we reserve the  contributed to the delinquency. Under such circumstances we reserve the 
                 than 90 days past the Payment Due Date. 12.99% - 18% 12.99% - 18% 12.99% - 18% 12.99% - 18% 12.99% - 18% 12.99% - 18% 12.99% - 18% 12.99% - 18% than 90 days past the Payment Due Date. than 90 days past the Payment Due Date. than 90 days past the Payment Due Date. This APR may be applied to your account if your payment is more  This APR may be applied to your account if your payment is more 
                     This APR may be applied to your account if your payment is more  This APR may be applied to your account if your payment is more  This APR may be applied to your account if your payment is more  This APR may be applied to your account if your payment is more  This APR may be applied to your account if your payment is more  such transactions. Use of your Card to obtain cash advance(s) from an ATM  such transactions. Use of your Card to obtain cash advance(s) from an ATM  ?nancial institutions, or an automated teller machine (ATM) authorized for  such transactions. Use of your Card to obtain cash advance(s) from an ATM  ?nancial institutions, or an automated teller machine (ATM) authorized for  ?nancial institutions, or an automated teller machine (ATM) authorized for  the age of 21 and has the means to repay the debts incurred; or 2) include  ?nancial institutions, or an automated teller machine (ATM) authorized for  ?nancial institutions, or an automated teller machine (ATM) authorized for  such transactions. Use of your Card to obtain cash advance(s) from an ATM  ?nancial institutions, or an automated teller machine (ATM) authorized for  the age of 21 and has the means to repay the debts incurred; or 2) include  the age of 21 and has the means to repay the debts incurred; or 2) include  the signature of a consignor, guarantor, or joint applicant who has attained  the signature of a consignor, guarantor, or joint applicant who has attained  the age of 21 and has the means to repay the debts incurred; or 2) include  the signature of a consignor, guarantor, or joint applicant who has attained  the signature of a consignor, guarantor, or joint applicant who has attained  the signature of a consignor, guarantor, or joint applicant who has attained  the signature of a consignor, guarantor, or joint applicant who has attained  employees. New Balance requires written agreement signed by one of our authorized  employees. New Balance requires written agreement signed by one of our authorized  New Balance requires written agreement signed by one of our authorized  employees. New Balance requires written agreement signed by one of our authorized  New Balance requires written agreement signed by one of our authorized  New Balance requires written agreement signed by one of our authorized  employees. WITHOUT NOTICE OR DEMAND TO YOU AND TO APPLY SUCH FUNDS TO THE  IMMEDIATELY SEIZE YOUR SHARES, DEPOSITS AND/OR OTHER FUNDS  WITHOUT NOTICE OR DEMAND TO YOU AND TO APPLY SUCH FUNDS TO THE  WITHOUT NOTICE OR DEMAND TO YOU AND TO APPLY SUCH FUNDS TO THE 
                                                                                                                                                                      IMMEDIATELY SEIZE YOUR SHARES, DEPOSITS AND/OR OTHER FUNDS  IMMEDIATELY SEIZE YOUR SHARES, DEPOSITS AND/OR OTHER FUNDS  IMMEDIATELY SEIZE YOUR SHARES, DEPOSITS AND/OR OTHER FUNDS  WITHOUT NOTICE OR DEMAND TO YOU AND TO APPLY SUCH FUNDS TO THE  IMMEDIATELY SEIZE YOUR SHARES, DEPOSITS AND/OR OTHER FUNDS  IMMEDIATELY SEIZE YOUR SHARES, DEPOSITS AND/OR OTHER FUNDS  right to approve your continued use of the credit card. right to approve your continued use of the credit card. contributed to the delinquency. Under such circumstances we reserve the  contributed to the delinquency. Under such circumstances we reserve the  contributed to the delinquency. Under such circumstances we reserve the  right to approve your continued use of the credit card. contributed to the delinquency. Under such circumstances we reserve the  right to approve your continued use of the credit card. contributed to the delinquency. Under such circumstances we reserve the 
   Applies Applies Applies Applies Applies Applies Applies Applies than 90 days past the Payment Due Date. than 90 days past the Payment Due Date. than 90 days past the Payment Due Date. than 90 days past the Payment Due Date. contributed to the delinquency. Under such circumstances we reserve the 
                     This APR may be applied to your account if your payment is more  This APR may be applied to your account if your payment is more 
                 than 90 days past the Payment Due Date. than 90 days past the Payment Due Date. than 90 days past the Payment Due Date. such transactions. Use of your Card to obtain cash advance(s) from an ATM  such transactions. Use of your Card to obtain cash advance(s) from an ATM  such transactions. Use of your Card to obtain cash advance(s) from an ATM  the age of 21 and has the means to repay the debts incurred; or 2) include  the age of 21 and has the means to repay the debts incurred; or 2) include  the age of 21 and has the means to repay the debts incurred; or 2) include  employees. employees. employees. WITHOUT NOTICE OR DEMAND TO YOU AND TO APPLY SUCH FUNDS TO THE  AMOUNTS OWED TO FRFCU. WITHOUT NOTICE OR DEMAND TO YOU AND TO APPLY SUCH FUNDS TO THE  WITHOUT NOTICE OR DEMAND TO YOU AND TO APPLY SUCH FUNDS TO THE  right to approve your continued use of the credit card. right to approve your continued use of the credit card. right to approve your continued use of the credit card.
                 How Long Will the Penalty APR Apply? The Penalty APR will  This APR may be applied to your account if your payment is more  This APR may be applied to your account if your payment is more  This APR may be applied to your account if your payment is more  This APR may be applied to your account if your payment is more  This APR may be applied to your account if your payment is more  This APR may be applied to your account if your payment is more  This APR may be applied to your account if your payment is more  This APR may be applied to your account if your payment is more  How Long Will the Penalty APR Apply? The Penalty APR will  How Long Will the Penalty APR Apply? The Penalty APR will  How Long Will the Penalty APR Apply? The Penalty APR will  than 90 days past the Payment Due Date. than 90 days past the Payment Due Date. than 90 days past the Payment Due Date. than 90 days past the Payment Due Date. than 90 days past the Payment Due Date. requires use of the Personal Identi?cation Number (PIN) that is issued to you  such transactions. Use of your Card to obtain cash advance(s) from an ATM  such transactions. Use of your Card to obtain cash advance(s) from an ATM  requires use of the Personal Identi?cation Number (PIN) that is issued to you  such transactions. Use of your Card to obtain cash advance(s) from an ATM  requires use of the Personal Identi?cation Number (PIN) that is issued to you  such transactions. Use of your Card to obtain cash advance(s) from an ATM  requires use of the Personal Identi?cation Number (PIN) that is issued to you  such transactions. Use of your Card to obtain cash advance(s) from an ATM  ?nancial information indicating that the underage member has the ability  ?nancial information indicating that the underage member has the ability  ?nancial information indicating that the underage member has the ability  the age of 21 and has the means to repay the debts incurred; or 2) include  the age of 21 and has the means to repay the debts incurred; or 2) include  the age of 21 and has the means to repay the debts incurred; or 2) include  the age of 21 and has the means to repay the debts incurred; or 2) include  ?nancial information indicating that the underage member has the ability  the age of 21 and has the means to repay the debts incurred; or 2) include  employees. employees. employees. employees. employees. WITHOUT NOTICE OR DEMAND TO YOU AND TO APPLY SUCH FUNDS TO THE  WITHOUT NOTICE OR DEMAND TO YOU AND TO APPLY SUCH FUNDS TO THE  WITHOUT NOTICE OR DEMAND TO YOU AND TO APPLY SUCH FUNDS TO THE  AMOUNTS OWED TO FRFCU. WITHOUT NOTICE OR DEMAND TO YOU AND TO APPLY SUCH FUNDS TO THE  WITHOUT NOTICE OR DEMAND TO YOU AND TO APPLY SUCH FUNDS TO THE  AMOUNTS OWED TO FRFCU. AMOUNTS OWED TO FRFCU.
                                                                    such transactions. Use of your Card to obtain cash advance(s) from an ATM  the age of 21 and has the means to repay the debts incurred; or 2) include  employees. WITHOUT NOTICE OR DEMAND TO YOU AND TO APPLY SUCH FUNDS TO THE  right to approve your continued use of the credit card. right to approve your continued use of the credit card. right to approve your continued use of the credit card. right to approve your continued use of the credit card. right to approve your continued use of the credit card. right to approve your continued use of the credit card.
                     than 90 days past the Payment Due Date. than 90 days past the Payment Due Date. How Long Will the Penalty APR Apply? The Penalty APR will 
                 How Long Will the Penalty APR Apply? The Penalty APR will  How Long Will the Penalty APR Apply? The Penalty APR will  How Long Will the Penalty APR Apply? The Penalty APR will  How Long Will the Penalty APR Apply? The Penalty APR will  How Long Will the Penalty APR Apply? The Penalty APR will  How Long Will the Penalty APR Apply? The Penalty APR will  requires use of the Personal Identi?cation Number (PIN) that is issued to you  requires use of the Personal Identi?cation Number (PIN) that is issued to you  requires use of the Personal Identi?cation Number (PIN) that is issued to you  ?nancial information indicating that the underage member has the ability  ?nancial information indicating that the underage member has the ability  ?nancial information indicating that the underage member has the ability  AMOUNTS OWED TO FRFCU. AMOUNTS OWED TO FRFCU. AMOUNTS OWED TO FRFCU.
                 apply until you make six consecutive minimum payments beginning                                                                                                                   Enforcing obligations: You agree to pay all costs incurred by FRFCU in 
                     than 90 days past the Payment Due Date. than 90 days past the Payment Due Date. than 90 days past the Payment Due Date. than 90 days past the Payment Due Date. than 90 days past the Payment Due Date. than 90 days past the Payment Due Date. than 90 days past the Payment Due Date. than 90 days past the Payment Due Date. How Long Will the Penalty APR Apply? The Penalty APR will  How Long Will the Penalty APR Apply? The Penalty APR will  How Long Will the Penalty APR Apply? The Penalty APR will  How Long Will the Penalty APR Apply? The Penalty APR will  How Long Will the Penalty APR Apply? The Penalty APR will  apply until you make six consecutive minimum payments beginning  apply until you make six consecutive minimum payments beginning  apply until you make six consecutive minimum payments beginning  for use with this Card. Note that some ATMs do not allow cash advances or  requires use of the Personal Identi?cation Number (PIN) that is issued to you  requires use of the Personal Identi?cation Number (PIN) that is issued to you  for use with this Card. Note that some ATMs do not allow cash advances or  requires use of the Personal Identi?cation Number (PIN) that is issued to you  requires use of the Personal Identi?cation Number (PIN) that is issued to you  requires use of the Personal Identi?cation Number (PIN) that is issued to you  for use with this Card. Note that some ATMs do not allow cash advances or  for use with this Card. Note that some ATMs do not allow cash advances or  requires use of the Personal Identi?cation Number (PIN) that is issued to you  to repay the debts incurred. Future credit line increases will follow the above  to repay the debts incurred. Future credit line increases will follow the above  ?nancial information indicating that the underage member has the ability  ?nancial information indicating that the underage member has the ability  ?nancial information indicating that the underage member has the ability  ?nancial information indicating that the underage member has the ability  to repay the debts incurred. Future credit line increases will follow the above  ?nancial information indicating that the underage member has the ability  to repay the debts incurred. Future credit line increases will follow the above  ?nancial information indicating that the underage member has the ability  Payment Skip Option: At our option, we may provide for a payment skip  Payment Skip Option: At our option, we may provide for a payment skip  Payment Skip Option: At our option, we may provide for a payment skip  Payment Skip Option: At our option, we may provide for a payment skip  AMOUNTS OWED TO FRFCU. AMOUNTS OWED TO FRFCU. AMOUNTS OWED TO FRFCU. AMOUNTS OWED TO FRFCU. AMOUNTS OWED TO FRFCU. AMOUNTS OWED TO FRFCU. Enforcing obligations: You agree to pay all costs incurred by FRFCU in  Enforcing obligations: You agree to pay all costs incurred by FRFCU in  Enforcing obligations: You agree to pay all costs incurred by FRFCU in 
                     apply until you make six consecutive minimum payments beginning 
                 apply until you make six consecutive minimum payments beginning  How Long Will the Penalty APR Apply? The Penalty APR will  How Long Will the Penalty APR Apply? The Penalty APR will  apply until you make six consecutive minimum payments beginning  apply until you make six consecutive minimum payments beginning  apply until you make six consecutive minimum payments beginning  for use with this Card. Note that some ATMs do not allow cash advances or  for use with this Card. Note that some ATMs do not allow cash advances or  for use with this Card. Note that some ATMs do not allow cash advances or  to repay the debts incurred. Future credit line increases will follow the above  to repay the debts incurred. Future credit line increases will follow the above  to repay the debts incurred. Future credit line increases will follow the above  Payment Skip Option: At our option, we may provide for a payment skip  Payment Skip Option: At our option, we may provide for a payment skip  Payment Skip Option: At our option, we may provide for a payment skip  Enforcing obligations: You agree to pay all costs incurred by FRFCU in  Enforcing obligations: You agree to pay all costs incurred by FRFCU in  Enforcing obligations: You agree to pay all costs incurred by FRFCU in 
                 with the payment following the commencement of the Penalty APR. How Long Will the Penalty APR Apply? The Penalty APR will  How Long Will the Penalty APR Apply? The Penalty APR will  How Long Will the Penalty APR Apply? The Penalty APR will  How Long Will the Penalty APR Apply? The Penalty APR will  How Long Will the Penalty APR Apply? The Penalty APR will  How Long Will the Penalty APR Apply? The Penalty APR will  How Long Will the Penalty APR Apply? The Penalty APR will  How Long Will the Penalty APR Apply? The Penalty APR will  with the payment following the commencement of the Penalty APR. with the payment following the commencement of the Penalty APR. with the payment following the commencement of the Penalty APR. apply until you make six consecutive minimum payments beginning  apply until you make six consecutive minimum payments beginning 
                     apply until you make six consecutive minimum payments beginning  apply until you make six consecutive minimum payments beginning  apply until you make six consecutive minimum payments beginning  apply until you make six consecutive minimum payments beginning  apply until you make six consecutive minimum payments beginning  accept Visa. You agree not to use your Card to conduct any illegal transaction  for use with this Card. Note that some ATMs do not allow cash advances or  accept Visa. You agree not to use your Card to conduct any illegal transaction  for use with this Card. Note that some ATMs do not allow cash advances or  for use with this Card. Note that some ATMs do not allow cash advances or  for use with this Card. Note that some ATMs do not allow cash advances or  accept Visa. You agree not to use your Card to conduct any illegal transaction  accept Visa. You agree not to use your Card to conduct any illegal transaction  for use with this Card. Note that some ATMs do not allow cash advances or  for use with this Card. Note that some ATMs do not allow cash advances or  requirements. to repay the debts incurred. Future credit line increases will follow the above  to repay the debts incurred. Future credit line increases will follow the above  requirements. to repay the debts incurred. Future credit line increases will follow the above  to repay the debts incurred. Future credit line increases will follow the above  to repay the debts incurred. Future credit line increases will follow the above  requirements. requirements. to repay the debts incurred. Future credit line increases will follow the above  option, which means that you may be allowed to skip making the minimum  Payment Skip Option: At our option, we may provide for a payment skip  Payment Skip Option: At our option, we may provide for a payment skip  option, which means that you may be allowed to skip making the minimum  Payment Skip Option: At our option, we may provide for a payment skip  option, which means that you may be allowed to skip making the minimum  Payment Skip Option: At our option, we may provide for a payment skip  Payment Skip Option: At our option, we may provide for a payment skip  option, which means that you may be allowed to skip making the minimum  Collateral securing other loans you have with FRFCU now or in the future  Collateral securing other loans you have with FRFCU now or in the future  Collateral securing other loans you have with FRFCU now or in the future  Collateral securing other loans you have with FRFCU now or in the future  collecting your debt or in enforcing this agreement, including attorney�s fees  collecting your debt or in enforcing this agreement, including attorney�s fees  collecting your debt or in enforcing this agreement, including attorney�s fees  collecting your debt or in enforcing this agreement, including attorney�s fees 
                                                                                                                                     Payment Skip Option: At our option, we may provide for a payment skip  Enforcing obligations: You agree to pay all costs incurred by FRFCU in  Enforcing obligations: You agree to pay all costs incurred by FRFCU in  Enforcing obligations: You agree to pay all costs incurred by FRFCU in  Enforcing obligations: You agree to pay all costs incurred by FRFCU in  Enforcing obligations: You agree to pay all costs incurred by FRFCU in  Enforcing obligations: You agree to pay all costs incurred by FRFCU in 
                     with the payment following the commencement of the Penalty APR. with the payment following the commencement of the Penalty APR. with the payment following the commencement of the Penalty APR. with the payment following the commencement of the Penalty APR. apply until you make six consecutive minimum payments beginning  apply until you make six consecutive minimum payments beginning 
                 with the payment following the commencement of the Penalty APR. with the payment following the commencement of the Penalty APR. with the payment following the commencement of the Penalty APR. accept Visa. You agree not to use your Card to conduct any illegal transaction  accept Visa. You agree not to use your Card to conduct any illegal transaction  accept Visa. You agree not to use your Card to conduct any illegal transaction  requirements. requirements. requirements. option, which means that you may be allowed to skip making the minimum  option, which means that you may be allowed to skip making the minimum  option, which means that you may be allowed to skip making the minimum  Collateral securing other loans you have with FRFCU now or in the future  Collateral securing other loans you have with FRFCU now or in the future  Collateral securing other loans you have with FRFCU now or in the future  collecting your debt or in enforcing this agreement, including attorney�s fees  collecting your debt or in enforcing this agreement, including attorney�s fees  collecting your debt or in enforcing this agreement, including attorney�s fees 
                     with the payment following the commencement of the Penalty APR. with the payment following the commencement of the Penalty APR. with the payment following the commencement of the Penalty APR. with the payment following the commencement of the Penalty APR. with the payment following the commencement of the Penalty APR. will also secure this loan, except that a dwelling or your household goods (as  equal to 20% of the outstanding balance and also those costs, expenses 
                     apply until you make six consecutive minimum payments beginning  apply until you make six consecutive minimum payments beginning  apply until you make six consecutive minimum payments beginning  apply until you make six consecutive minimum payments beginning  apply until you make six consecutive minimum payments beginning  apply until you make six consecutive minimum payments beginning  apply until you make six consecutive minimum payments beginning  apply until you make six consecutive minimum payments beginning  per applicable federal, state, or local law, including, but not limited to, using  accept Visa. You agree not to use your Card to conduct any illegal transaction  per applicable federal, state, or local law, including, but not limited to, using  per applicable federal, state, or local law, including, but not limited to, using  accept Visa. You agree not to use your Card to conduct any illegal transaction  accept Visa. You agree not to use your Card to conduct any illegal transaction  per applicable federal, state, or local law, including, but not limited to, using  accept Visa. You agree not to use your Card to conduct any illegal transaction  accept Visa. You agree not to use your Card to conduct any illegal transaction  accept Visa. You agree not to use your Card to conduct any illegal transaction  requirements. requirements. requirements. requirements. requirements. requirements. periodic payment for speci?ed billing cycles. If you accept this payment skip  periodic payment for speci?ed billing cycles. If you accept this payment skip  periodic payment for speci?ed billing cycles. If you accept this payment skip  periodic payment for speci?ed billing cycles. If you accept this payment skip  option, which means that you may be allowed to skip making the minimum  option, which means that you may be allowed to skip making the minimum  option, which means that you may be allowed to skip making the minimum  option, which means that you may be allowed to skip making the minimum  option, which means that you may be allowed to skip making the minimum  option, which means that you may be allowed to skip making the minimum  Collateral securing other loans you have with FRFCU now or in the future  will also secure this loan, except that a dwelling or your household goods (as  will also secure this loan, except that a dwelling or your household goods (as  Collateral securing other loans you have with FRFCU now or in the future  Collateral securing other loans you have with FRFCU now or in the future  will also secure this loan, except that a dwelling or your household goods (as  Collateral securing other loans you have with FRFCU now or in the future  equal to 20% of the outstanding balance and also those costs, expenses  equal to 20% of the outstanding balance and also those costs, expenses  equal to 20% of the outstanding balance and also those costs, expenses 
                                                                                                                                                                      Collateral securing other loans you have with FRFCU now or in the future  Collateral securing other loans you have with FRFCU now or in the future  collecting your debt or in enforcing this agreement, including attorney�s fees  collecting your debt or in enforcing this agreement, including attorney�s fees  collecting your debt or in enforcing this agreement, including attorney�s fees  collecting your debt or in enforcing this agreement, including attorney�s fees  collecting your debt or in enforcing this agreement, including attorney�s fees  collecting your debt or in enforcing this agreement, including attorney�s fees 
 Paying Interest Paying Interest Paying Interest Paying Interest Your due date is at least 25 days after the close of each billing cycle. Your due date is at least 25 days after the close of each billing cycle. Your due date is at least 25 days after the close of each billing cycle. Your due date is at least 25 days after the close of each billing cycle. with the payment following the commencement of the Penalty APR. with the payment following the commencement of the Penalty APR.
   Paying Interest                                               per applicable federal, state, or local law, including, but not limited to, using  per applicable federal, state, or local law, including, but not limited to, using  per applicable federal, state, or local law, including, but not limited to, using  periodic payment for speci?ed billing cycles. If you accept this payment skip  periodic payment for speci?ed billing cycles. If you accept this payment skip  periodic payment for speci?ed billing cycles. If you accept this payment skip  will also secure this loan, except that a dwelling or your household goods (as  will also secure this loan, except that a dwelling or your household goods (as  will also secure this loan, except that a dwelling or your household goods (as  equal to 20% of the outstanding balance and also those costs, expenses  equal to 20% of the outstanding balance and also those costs, expenses  equal to 20% of the outstanding balance and also those costs, expenses 
 Paying Interest Paying Interest Paying Interest Paying Interest Paying Interest Paying Interest Your due date is at least 25 days after the close of each billing cycle. de?ned by the Federal Trade Commission) will not be considered as security  and attorney�s fees incurred in appellate, bankruptcy and post-judgment 
                 Your due date is at least 25 days after the close of each billing cycle. Your due date is at least 25 days after the close of each billing cycle. Your due date is at least 25 days after the close of each billing cycle. Your due date is at least 25 days after the close of each billing cycle. Your due date is at least 25 days after the close of each billing cycle. Your due date is at least 25 days after the close of each billing cycle. with the payment following the commencement of the Penalty APR. with the payment following the commencement of the Penalty APR. with the payment following the commencement of the Penalty APR. with the payment following the commencement of the Penalty APR. with the payment following the commencement of the Penalty APR. with the payment following the commencement of the Penalty APR. with the payment following the commencement of the Penalty APR. with the payment following the commencement of the Penalty APR. the card to initiate any type of gambling or wagering where such practices  per applicable federal, state, or local law, including, but not limited to, using  per applicable federal, state, or local law, including, but not limited to, using  the card to initiate any type of gambling or wagering where such practices  the card to initiate any type of gambling or wagering where such practices  per applicable federal, state, or local law, including, but not limited to, using  per applicable federal, state, or local law, including, but not limited to, using  per applicable federal, state, or local law, including, but not limited to, using  per applicable federal, state, or local law, including, but not limited to, using  the card to initiate any type of gambling or wagering where such practices  Returns and Adjustments: All credit purchases and cash advances are  Returns and Adjustments: All credit purchases and cash advances are  Returns and Adjustments: All credit purchases and cash advances are  Returns and Adjustments: All credit purchases and cash advances are  option, we will continue to apply the ?nance charge as disclosed above, but 
                                                                                                                                     periodic payment for speci?ed billing cycles. If you accept this payment skip  option, we will continue to apply the ?nance charge as disclosed above, but  periodic payment for speci?ed billing cycles. If you accept this payment skip  periodic payment for speci?ed billing cycles. If you accept this payment skip  periodic payment for speci?ed billing cycles. If you accept this payment skip  option, we will continue to apply the ?nance charge as disclosed above, but  periodic payment for speci?ed billing cycles. If you accept this payment skip  periodic payment for speci?ed billing cycles. If you accept this payment skip  de?ned by the Federal Trade Commission) will not be considered as security  de?ned by the Federal Trade Commission) will not be considered as security  de?ned by the Federal Trade Commission) will not be considered as security  and attorney�s fees incurred in appellate, bankruptcy and post-judgment  and attorney�s fees incurred in appellate, bankruptcy and post-judgment  and attorney�s fees incurred in appellate, bankruptcy and post-judgment  option, we will continue to apply the ?nance charge as disclosed above, but  will also secure this loan, except that a dwelling or your household goods (as  will also secure this loan, except that a dwelling or your household goods (as  will also secure this loan, except that a dwelling or your household goods (as  will also secure this loan, except that a dwelling or your household goods (as  will also secure this loan, except that a dwelling or your household goods (as  will also secure this loan, except that a dwelling or your household goods (as  equal to 20% of the outstanding balance and also those costs, expenses  equal to 20% of the outstanding balance and also those costs, expenses  equal to 20% of the outstanding balance and also those costs, expenses  equal to 20% of the outstanding balance and also those costs, expenses  equal to 20% of the outstanding balance and also those costs, expenses  equal to 20% of the outstanding balance and also those costs, expenses 
   Paying Interest Paying Interest Paying Interest Paying Interest Paying Interest We will not charge you any interest on purchases if you pay your entire We will not charge you any interest on purchases if you pay your entire Your due date is at least 25 days after the close of each billing cycle. 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 Your due date is at least 25 days after the close of each billing cycle. 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 Your due date is at least 25 days after the close of each billing cycle. the card to initiate any type of gambling or wagering where such practices  the card to initiate any type of gambling or wagering where such practices  the card to initiate any type of gambling or wagering where such practices  Returns and Adjustments: All credit purchases and cash advances are  Returns and Adjustments: All credit purchases and cash advances are  Returns and Adjustments: All credit purchases and cash advances are  option, we will continue to apply the ?nance charge as disclosed above, but  option, we will continue to apply the ?nance charge as disclosed above, but  option, we will continue to apply the ?nance charge as disclosed above, but  de?ned by the Federal Trade Commission) will not be considered as security  de?ned by the Federal Trade Commission) will not be considered as security  de?ned by the Federal Trade Commission) will not be considered as security  and attorney�s fees incurred in appellate, bankruptcy and post-judgment  and attorney�s fees incurred in appellate, bankruptcy and post-judgment  and attorney�s fees incurred in appellate, bankruptcy and post-judgment 
   Paying Interest 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 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 We will not charge you any interest on purchases if you pay your entire We will not charge you any interest on purchases if you pay your entire are in violation of federal, state, or local law. You agree to repay according to  are in violation of federal, state, or local law. You agree to repay according to  the card to initiate any type of gambling or wagering where such practices  the card to initiate any type of gambling or wagering where such practices  the card to initiate any type of gambling or wagering where such practices  the card to initiate any type of gambling or wagering where such practices  are in violation of federal, state, or local law. You agree to repay according to  the card to initiate any type of gambling or wagering where such practices  are in violation of federal, state, or local law. You agree to repay according to  affected at the option of the merchant and/or cash advancing ?nancial  affected at the option of the merchant and/or cash advancing ?nancial  Returns and Adjustments: All credit purchases and cash advances are  affected at the option of the merchant and/or cash advancing ?nancial  Returns and Adjustments: All credit purchases and cash advances are  Returns and Adjustments: All credit purchases and cash advances are  affected at the option of the merchant and/or cash advancing ?nancial  Returns and Adjustments: All credit purchases and cash advances are  Returns and Adjustments: All credit purchases and cash advances are  no late payment fees will apply to the skipped payment. For the billing cycle  option, we will continue to apply the ?nance charge as disclosed above, but  no late payment fees will apply to the skipped payment. For the billing cycle  option, we will continue to apply the ?nance charge as disclosed above, but  option, we will continue to apply the ?nance charge as disclosed above, but  no late payment fees will apply to the skipped payment. For the billing cycle  option, we will continue to apply the ?nance charge as disclosed above, but  no late payment fees will apply to the skipped payment. For the billing cycle  option, we will continue to apply the ?nance charge as disclosed above, but  for this credit card, notwithstanding anything to the contrary in any other  de?ned by the Federal Trade Commission) will not be considered as security  de?ned by the Federal Trade Commission) will not be considered as security  de?ned by the Federal Trade Commission) will not be considered as security  for this credit card, notwithstanding anything to the contrary in any other  for this credit card, notwithstanding anything to the contrary in any other  de?ned by the Federal Trade Commission) will not be considered as security  for this credit card, notwithstanding anything to the contrary in any other  de?ned by the Federal Trade Commission) will not be considered as security  proceedings, except to the extent such costs, fees or expenses are prohibited  proceedings, except to the extent such costs, fees or expenses are prohibited  and attorney�s fees incurred in appellate, bankruptcy and post-judgment  and attorney�s fees incurred in appellate, bankruptcy and post-judgment  proceedings, except to the extent such costs, fees or expenses are prohibited  proceedings, except to the extent such costs, fees or expenses are prohibited  and attorney�s fees incurred in appellate, bankruptcy and post-judgment  and attorney�s fees incurred in appellate, bankruptcy and post-judgment  and attorney�s fees incurred in appellate, bankruptcy and post-judgment 
                 balance by the due date each month. We will begin charging interest We will not charge you any interest on purchases if you pay your entire We will not charge you any interest on purchases if you pay your entire We will not charge you any interest on purchases if you pay your entire the card to initiate any type of gambling or wagering where such practices  Returns and Adjustments: All credit purchases and cash advances are  option, we will continue to apply the ?nance charge as disclosed above, but  de?ned by the Federal Trade Commission) will not be considered as security  and attorney�s fees incurred in appellate, bankruptcy and post-judgment 
   Paying Interest Paying Interest Paying Interest Paying Interest Paying Interest Paying Interest Paying Interest Paying Interest 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 We will not charge you any interest on purchases if you pay your entire Your due date is at least 25 days after the close of each billing cycle. balance by the due date each month. We will begin charging interest Your due date is at least 25 days after the close of each billing cycle. 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 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 Your due date is at least 25 days after the close of each billing cycle. Your due date is at least 25 days after the close of each billing cycle. Your due date is at least 25 days after the close of each billing cycle. Your due date is at least 25 days after the close of each billing cycle. 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 are in violation of federal, state, or local law. You agree to repay according to  are in violation of federal, state, or local law. You agree to repay according to  are in violation of federal, state, or local law. You agree to repay according to  institution. Any refund, adjustment or credit allowed by any entity will be  affected at the option of the merchant and/or cash advancing ?nancial  affected at the option of the merchant and/or cash advancing ?nancial  affected at the option of the merchant and/or cash advancing ?nancial  no late payment fees will apply to the skipped payment. For the billing cycle  following a skipped payment, all the terms and conditions of this Agreement  no late payment fees will apply to the skipped payment. For the billing cycle  no late payment fees will apply to the skipped payment. For the billing cycle  for this credit card, notwithstanding anything to the contrary in any other  for this credit card, notwithstanding anything to the contrary in any other  for this credit card, notwithstanding anything to the contrary in any other  proceedings, except to the extent such costs, fees or expenses are prohibited  proceedings, except to the extent such costs, fees or expenses are prohibited  proceedings, except to the extent such costs, fees or expenses are prohibited 
                     balance by the due date each month. We will begin charging interest We will not charge you any interest on purchases if you pay your entire We will not charge you any interest on purchases if you pay your entire the terms of this Agreement all transactions you initiate by use of your card,  are in violation of federal, state, or local law. You agree to repay according to  are in violation of federal, state, or local law. You agree to repay according to  are in violation of federal, state, or local law. You agree to repay according to  the terms of this Agreement all transactions you initiate by use of your card,  are in violation of federal, state, or local law. You agree to repay according to  the terms of this Agreement all transactions you initiate by use of your card,  the terms of this Agreement all transactions you initiate by use of your card,  are in violation of federal, state, or local law. You agree to repay according to  affected at the option of the merchant and/or cash advancing ?nancial  institution. Any refund, adjustment or credit allowed by any entity will be  affected at the option of the merchant and/or cash advancing ?nancial  affected at the option of the merchant and/or cash advancing ?nancial  affected at the option of the merchant and/or cash advancing ?nancial  institution. Any refund, adjustment or credit allowed by any entity will be  institution. Any refund, adjustment or credit allowed by any entity will be  affected at the option of the merchant and/or cash advancing ?nancial  following a skipped payment, all the terms and conditions of this Agreement  following a skipped payment, all the terms and conditions of this Agreement  no late payment fees will apply to the skipped payment. For the billing cycle  no late payment fees will apply to the skipped payment. For the billing cycle  no late payment fees will apply to the skipped payment. For the billing cycle  no late payment fees will apply to the skipped payment. For the billing cycle  following a skipped payment, all the terms and conditions of this Agreement  no late payment fees will apply to the skipped payment. For the billing cycle  agreement. for this credit card, notwithstanding anything to the contrary in any other  for this credit card, notwithstanding anything to the contrary in any other  for this credit card, notwithstanding anything to the contrary in any other  for this credit card, notwithstanding anything to the contrary in any other  agreement. for this credit card, notwithstanding anything to the contrary in any other  agreement. agreement. by law. Should the Issuer employ or engage the services of any entity to  proceedings, except to the extent such costs, fees or expenses are prohibited  proceedings, except to the extent such costs, fees or expenses are prohibited  by law. Should the Issuer employ or engage the services of any entity to  proceedings, except to the extent such costs, fees or expenses are prohibited  proceedings, except to the extent such costs, fees or expenses are prohibited  by law. Should the Issuer employ or engage the services of any entity to  proceedings, except to the extent such costs, fees or expenses are prohibited  by law. Should the Issuer employ or engage the services of any entity to 
                 on cash advances and balance transfers on the transaction date. balance by the due date each month. We will begin charging interest balance by the due date each month. We will begin charging interest balance by the due date each month. We will begin charging interest balance by the due date each month. We will begin charging interest balance by the due date each month. We will begin charging interest balance by the due date each month. We will begin charging interest are in violation of federal, state, or local law. You agree to repay according to  affected at the option of the merchant and/or cash advancing ?nancial  no late payment fees will apply to the skipped payment. For the billing cycle  for this credit card, notwithstanding anything to the contrary in any other  proceedings, except to the extent such costs, fees or expenses are prohibited 
                     on cash advances and balance transfers on the transaction date. on cash advances and balance transfers on the transaction date. on cash advances and balance transfers on the transaction date. We will not charge you any interest on purchases if you pay your entire 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 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 We will not charge you any interest on purchases if you pay your entire We will not charge you any interest on purchases if you pay your entire 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 balance by the due date each month. We will begin charging interest We will not charge you any interest on purchases if you pay your entire 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 whether deemed legal or illegal. the terms of this Agreement all transactions you initiate by use of your card,  the terms of this Agreement all transactions you initiate by use of your card,  the terms of this Agreement all transactions you initiate by use of your card,  institution. Any refund, adjustment or credit allowed by any entity will be  by law. Should the Issuer employ or engage the services of any entity to 
                     on cash advances and balance transfers on the transaction date.             made by a credit advice to Issuer which will be applied as a credit on your  institution. Any refund, adjustment or credit allowed by any entity will be  institution. Any refund, adjustment or credit allowed by any entity will be  (including minimum periodic payment and applicable late payment fees)  following a skipped payment, all the terms and conditions of this Agreement  following a skipped payment, all the terms and conditions of this Agreement  following a skipped payment, all the terms and conditions of this Agreement  agreement. agreement. agreement. enforce any of your obligations relating to this agreement, or to protect its  by law. Should the Issuer employ or engage the services of any entity to  by law. Should the Issuer employ or engage the services of any entity to  enforce any of your obligations relating to this agreement, or to protect its  enforce any of your obligations relating to this agreement, or to protect its  (including minimum periodic payment and applicable late payment fees)  (including minimum periodic payment and applicable late payment fees)  (including minimum periodic payment and applicable late payment fees)  enforce any of your obligations relating to this agreement, or to protect its 
                 on cash advances and balance transfers on the transaction date. on cash advances and balance transfers on the transaction date. on cash advances and balance transfers on the transaction date. on cash advances and balance transfers on the transaction date. on cash advances and balance transfers on the transaction date. on cash advances and balance transfers on the transaction date. balance by the due date each month. We will begin charging interest balance by the due date each month. We will begin charging interest the terms of this Agreement all transactions you initiate by use of your card,  whether deemed legal or illegal. the terms of this Agreement all transactions you initiate by use of your card,  whether deemed legal or illegal. the terms of this Agreement all transactions you initiate by use of your card,  the terms of this Agreement all transactions you initiate by use of your card,  the terms of this Agreement all transactions you initiate by use of your card,  the terms of this Agreement all transactions you initiate by use of your card,  whether deemed legal or illegal. institution. Any refund, adjustment or credit allowed by any entity will be  institution. Any refund, adjustment or credit allowed by any entity will be  made by a credit advice to Issuer which will be applied as a credit on your  made by a credit advice to Issuer which will be applied as a credit on your  made by a credit advice to Issuer which will be applied as a credit on your  institution. Any refund, adjustment or credit allowed by any entity will be  institution. Any refund, adjustment or credit allowed by any entity will be  institution. Any refund, adjustment or credit allowed by any entity will be  institution. Any refund, adjustment or credit allowed by any entity will be  following a skipped payment, all the terms and conditions of this Agreement  following a skipped payment, all the terms and conditions of this Agreement  following a skipped payment, all the terms and conditions of this Agreement  following a skipped payment, all the terms and conditions of this Agreement  following a skipped payment, all the terms and conditions of this Agreement  following a skipped payment, all the terms and conditions of this Agreement  agreement. agreement. agreement. agreement. agreement. agreement. by law. Should the Issuer employ or engage the services of any entity to  by law. Should the Issuer employ or engage the services of any entity to  by law. Should the Issuer employ or engage the services of any entity to  by law. Should the Issuer employ or engage the services of any entity to  by law. Should the Issuer employ or engage the services of any entity to  by law. Should the Issuer employ or engage the services of any entity to 
                     on cash advances and balance transfers on the transaction date. on cash advances and balance transfers on the transaction date. on cash advances and balance transfers on the transaction date. on cash advances and balance transfers on the transaction date. on cash advances and balance transfers on the transaction date. balance by the due date each month. We will begin charging interest balance by the due date each month. We will begin charging interest balance by the due date each month. We will begin charging interest balance by the due date each month. We will begin charging interest balance by the due date each month. We will begin charging interest balance by the due date each month. We will begin charging interest balance by the due date each month. We will begin charging interest balance by the due date each month. We will begin charging interest whether deemed legal or illegal. whether deemed legal or illegal. whether deemed legal or illegal. made by a credit advice to Issuer which will be applied as a credit on your  account statement. If your credits and payments exceed what you owe on  made by a credit advice to Issuer which will be applied as a credit on your  made by a credit advice to Issuer which will be applied as a credit on your  will continue to apply. (including minimum periodic payment and applicable late payment fees)  will continue to apply. (including minimum periodic payment and applicable late payment fees)  will continue to apply. will continue to apply. (including minimum periodic payment and applicable late payment fees)  enforce any of your obligations relating to this agreement, or to protect its  enforce any of your obligations relating to this agreement, or to protect its  enforce any of your obligations relating to this agreement, or to protect its 
 Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00. on cash advances and balance transfers on the transaction date. on cash advances and balance transfers on the transaction date. whether deemed legal or illegal. whether deemed legal or illegal. whether deemed legal or illegal. whether deemed legal or illegal. whether deemed legal or illegal. whether deemed legal or illegal. made by a credit advice to Issuer which will be applied as a credit on your  account statement. If your credits and payments exceed what you owe on  made by a credit advice to Issuer which will be applied as a credit on your  account statement. If your credits and payments exceed what you owe on  made by a credit advice to Issuer which will be applied as a credit on your  account statement. If your credits and payments exceed what you owe on  made by a credit advice to Issuer which will be applied as a credit on your  made by a credit advice to Issuer which will be applied as a credit on your  made by a credit advice to Issuer which will be applied as a credit on your  (including minimum periodic payment and applicable late payment fees)  (including minimum periodic payment and applicable late payment fees)  (including minimum periodic payment and applicable late payment fees)  (including minimum periodic payment and applicable late payment fees)  (including minimum periodic payment and applicable late payment fees)  (including minimum periodic payment and applicable late payment fees)  Interest: Interest on Loans and Credit Purchases will be charged in  Interest: Interest on Loans and Credit Purchases will be charged in  Interest: Interest on Loans and Credit Purchases will be charged in  Interest: Interest on Loans and Credit Purchases will be charged in  interests in any manner arising under this agreement, you agree to pay to  enforce any of your obligations relating to this agreement, or to protect its  interests in any manner arising under this agreement, you agree to pay to 
                                                                                                                                                                                                      enforce any of your obligations relating to this agreement, or to protect its  enforce any of your obligations relating to this agreement, or to protect its  enforce any of your obligations relating to this agreement, or to protect its  interests in any manner arising under this agreement, you agree to pay to  enforce any of your obligations relating to this agreement, or to protect its  interests in any manner arising under this agreement, you agree to pay to  enforce any of your obligations relating to this agreement, or to protect its 
 Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00. on cash advances and balance transfers on the transaction date. on cash advances and balance transfers on the transaction date. on cash advances and balance transfers on the transaction date. on cash advances and balance transfers on the transaction date. on cash advances and balance transfers on the transaction date. on cash advances and balance transfers on the transaction date. on cash advances and balance transfers on the transaction date. on cash advances and balance transfers on the transaction date. account statement. If your credits and payments exceed what you owe on  account statement. If your credits and payments exceed what you owe on  account statement. If your credits and payments exceed what you owe on  will continue to apply. will continue to apply. will continue to apply. Interest: Interest on Loans and Credit Purchases will be charged in  Interest: Interest on Loans and Credit Purchases will be charged in  Interest: Interest on Loans and Credit Purchases will be charged in  interests in any manner arising under this agreement, you agree to pay to  interests in any manner arising under this agreement, you agree to pay to  interests in any manner arising under this agreement, you agree to pay to 
   Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00. Issuer shall not be responsible for refusal by any entity to honor the Card or  Issuer shall not be responsible for refusal by any entity to honor the Card or  Issuer shall not be responsible for refusal by any entity to honor the Card or  Issuer shall not be responsible for refusal by any entity to honor the Card or  your Account, the amount will be applied against future purchases and/or  account statement. If your credits and payments exceed what you owe on  your Account, the amount will be applied against future purchases and/or  account statement. If your credits and payments exceed what you owe on  your Account, the amount will be applied against future purchases and/or  your Account, the amount will be applied against future purchases and/or  account statement. If your credits and payments exceed what you owe on  account statement. If your credits and payments exceed what you owe on  account statement. If your credits and payments exceed what you owe on  account statement. If your credits and payments exceed what you owe on  will continue to apply. will continue to apply. will continue to apply. will continue to apply. will continue to apply. will continue to apply. accordance with the Finance Charge calculation method referred to in the  Interest: Interest on Loans and Credit Purchases will be charged in  Interest: Interest on Loans and Credit Purchases will be charged in  accordance with the Finance Charge calculation method referred to in the  Interest: Interest on Loans and Credit Purchases will be charged in  Interest: Interest on Loans and Credit Purchases will be charged in  Interest: Interest on Loans and Credit Purchases will be charged in  Interest: Interest on Loans and Credit Purchases will be charged in  accordance with the Finance Charge calculation method referred to in the  accordance with the Finance Charge calculation method referred to in the  FRFCU all reasonable costs or expenses incurred as a result. interests in any manner arising under this agreement, you agree to pay to  FRFCU all reasonable costs or expenses incurred as a result. interests in any manner arising under this agreement, you agree to pay to  FRFCU all reasonable costs or expenses incurred as a result. FRFCU all reasonable costs or expenses incurred as a result.
                                                                                                                                                                                                      interests in any manner arising under this agreement, you agree to pay to  interests in any manner arising under this agreement, you agree to pay to  interests in any manner arising under this agreement, you agree to pay to  interests in any manner arising under this agreement, you agree to pay to 
   Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00.
 For Credit Card Tips For Credit Card Tips For Credit Card Tips For Credit Card Tips To learn more about factors to consider when applying  To learn more about factors to consider when applying  To learn more about factors to consider when applying  To learn more about factors to consider when applying  Issuer shall not be responsible for refusal by any entity to honor the Card or  any related Card. Any refund, adjustment or credit allowed shall not be by  any related Card. Any refund, adjustment or credit allowed shall not be by  Issuer shall not be responsible for refusal by any entity to honor the Card or  any related Card. Any refund, adjustment or credit allowed shall not be by  Issuer shall not be responsible for refusal by any entity to honor the Card or  any related Card. Any refund, adjustment or credit allowed shall not be by  your Account, the amount will be applied against future purchases and/or  your Account, the amount will be applied against future purchases and/or  your Account, the amount will be applied against future purchases and/or  Payment Allocation: Payments in excess of the Minimum Payment Due  accordance with the Finance Charge calculation method referred to in the  Disclosure box. The rate of interest will be established by Issuer from time to  accordance with the Finance Charge calculation method referred to in the  accordance with the Finance Charge calculation method referred to in the  FRFCU all reasonable costs or expenses incurred as a result. FRFCU all reasonable costs or expenses incurred as a result. FRFCU all reasonable costs or expenses incurred as a result.
                                                                                                 cash advances. If your credit balance exceeds $1, you may request a refund  Disclosure box. The rate of interest will be established by Issuer from time to  Disclosure box. The rate of interest will be established by Issuer from time to  Disclosure box. The rate of interest will be established by Issuer from time to 
   Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00. For Credit Card Tips For Credit Card Tips Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00. For Credit Card Tips Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00. For Credit Card Tips Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00. Issuer shall not be responsible for refusal by any entity to honor the Card or  Issuer shall not be responsible for refusal by any entity to honor the Card or  Issuer shall not be responsible for refusal by any entity to honor the Card or  Issuer shall not be responsible for refusal by any entity to honor the Card or  Issuer shall not be responsible for refusal by any entity to honor the Card or  Issuer shall not be responsible for refusal by any entity to honor the Card or  your Account, the amount will be applied against future purchases and/or  your Account, the amount will be applied against future purchases and/or  cash advances. If your credit balance exceeds $1, you may request a refund  cash advances. If your credit balance exceeds $1, you may request a refund  your Account, the amount will be applied against future purchases and/or  your Account, the amount will be applied against future purchases and/or  your Account, the amount will be applied against future purchases and/or  cash advances. If your credit balance exceeds $1, you may request a refund  your Account, the amount will be applied against future purchases and/or  To learn more about factors to consider when applying  Payment Allocation: Payments in excess of the Minimum Payment Due  Payment Allocation: Payments in excess of the Minimum Payment Due  Payment Allocation: Payments in excess of the Minimum Payment Due  accordance with the Finance Charge calculation method referred to in the  accordance with the Finance Charge calculation method referred to in the  accordance with the Finance Charge calculation method referred to in the  accordance with the Finance Charge calculation method referred to in the  accordance with the Finance Charge calculation method referred to in the  accordance with the Finance Charge calculation method referred to in the  FRFCU all reasonable costs or expenses incurred as a result. FRFCU all reasonable costs or expenses incurred as a result. FRFCU all reasonable costs or expenses incurred as a result. FRFCU all reasonable costs or expenses incurred as a result. FRFCU all reasonable costs or expenses incurred as a result. FRFCU all reasonable costs or expenses incurred as a result.
 For Credit Card Tips For Credit Card Tips For Credit Card Tips To learn more about factors to consider when applying  To learn more about factors to consider when applying  To learn more about factors to consider when applying 
 From the Consumer For Credit Card Tips For Credit Card Tips For Credit Card Tips For Credit Card Tips For Credit Card Tips From the Consumer From the Consumer From the Consumer for or using a credit card, visit the website of the  To learn more about factors to consider when applying  To learn more about factors to consider when applying  To learn more about factors to consider when applying 
                     for or using a credit card, visit the website of the  for or using a credit card, visit the website of the  for or using a credit card, visit the website of the  cash but rather by a credit advice to Issuer which shall be shown as a credit on  any related Card. Any refund, adjustment or credit allowed shall not be by  any related Card. Any refund, adjustment or credit allowed shall not be by  any related Card. Any refund, adjustment or credit allowed shall not be by  cash advances. If your credit balance exceeds $1, you may request a refund  cash advances. If your credit balance exceeds $1, you may request a refund  cash advances. If your credit balance exceeds $1, you may request a refund  Payment Allocation: Payments in excess of the Minimum Payment Due  Payment Allocation: Payments in excess of the Minimum Payment Due  Payment Allocation: Payments in excess of the Minimum Payment Due  Disclosure box. The rate of interest will be established by Issuer from time to  Disclosure box. The rate of interest will be established by Issuer from time to  Disclosure box. The rate of interest will be established by Issuer from time to 
                     To learn more about factors to consider when applying  To learn more about factors to consider when applying  To learn more about factors to consider when applying  To learn more about factors to consider when applying  To learn more about factors to consider when applying  cash but rather by a credit advice to Issuer which shall be shown as a credit on  cash but rather by a credit advice to Issuer which shall be shown as a credit on  cash but rather by a credit advice to Issuer which shall be shown as a credit on 
   From the Consumer                                                any related Card. Any refund, adjustment or credit allowed shall not be by  any related Card. Any refund, adjustment or credit allowed shall not be by  any related Card. Any refund, adjustment or credit allowed shall not be by  any related Card. Any refund, adjustment or credit allowed shall not be by  any related Card. Any refund, adjustment or credit allowed shall not be by  any related Card. Any refund, adjustment or credit allowed shall not be by  by writing to us at: Credit Card Security Department, PO Box 31281, Tampa,  cash advances. If your credit balance exceeds $1, you may request a refund  cash advances. If your credit balance exceeds $1, you may request a refund  cash advances. If your credit balance exceeds $1, you may request a refund  by writing to us at: Credit Card Security Department, PO Box 31281, Tampa,  by writing to us at: Credit Card Security Department, PO Box 31281, Tampa,  cash advances. If your credit balance exceeds $1, you may request a refund  cash advances. If your credit balance exceeds $1, you may request a refund  by writing to us at: Credit Card Security Department, PO Box 31281, Tampa,  will be applied to the balance with the highest annual percentage rate  will be applied to the balance with the highest annual percentage rate  Payment Allocation: Payments in excess of the Minimum Payment Due  will be applied to the balance with the highest annual percentage rate  Payment Allocation: Payments in excess of the Minimum Payment Due  Payment Allocation: Payments in excess of the Minimum Payment Due  will be applied to the balance with the highest annual percentage rate  Payment Allocation: Payments in excess of the Minimum Payment Due  Payment Allocation: Payments in excess of the Minimum Payment Due  time and will not exceed the lesser of 17.99% APR or the maximum allowed  Disclosure box. The rate of interest will be established by Issuer from time to  Disclosure box. The rate of interest will be established by Issuer from time to  Disclosure box. The rate of interest will be established by Issuer from time to  Disclosure box. The rate of interest will be established by Issuer from time to  time and will not exceed the lesser of 17.99% APR or the maximum allowed  Disclosure box. The rate of interest will be established by Issuer from time to  time and will not exceed the lesser of 17.99% APR or the maximum allowed  time and will not exceed the lesser of 17.99% APR or the maximum allowed  Communications: You agree that we, our agents or service companies  Communications: You agree that we, our agents or service companies  Communications: You agree that we, our agents or service companies  Communications: You agree that we, our agents or service companies 
   For Credit Card Tips For Credit Card Tips
 From the Consumer From the Consumer From the Consumer From the Consumer From the Consumer From the Consumer cash advances. If your credit balance exceeds $1, you may request a refund  Payment Allocation: Payments in excess of the Minimum Payment Due  Disclosure box. The rate of interest will be established by Issuer from time 
 Financial Protection for or using a credit card, visit the website of the  for or using a credit card, visit the website of the  for or using a credit card, visit the website of the  for or using a credit card, visit the website of the  To learn more about factors to consider when applying  To learn more about factors to consider when applying 
                                                                                                                                  will be applied to the balance with the highest annual percentage rate  will be applied to the balance with the highest annual percentage rate  will be applied to the balance with the highest annual percentage rate  time and will not exceed the lesser of 17.99% APR or the maximum allowed  time and will not exceed the lesser of 17.99% APR or the maximum allowed  time and will not exceed the lesser of 17.99% APR or the maximum allowed  Communications: You agree that we, our agents or service companies  Communications: You agree that we, our agents or service companies  Communications: You agree that we, our agents or service companies 
   For Credit Card Tips For Credit Card Tips For Credit Card Tips For Credit Card Tips For Credit Card Tips For Credit Card Tips For Credit Card Tips For Credit Card Tips From the Consumer Financial Protection Financial Protection From the Consumer From the Consumer From the Consumer Financial Protection From the Consumer for or using a credit card, visit the website of the  Consumer Financial Protection Bureau at for or using a credit card, visit the website of the  for or using a credit card, visit the website of the  cash but rather by a credit advice to Issuer which shall be shown as a credit on  cash but rather by a credit advice to Issuer which shall be shown as a credit on  cash but rather by a credit advice to Issuer which shall be shown as a credit on  by writing to us at: Credit Card Security Department, PO Box 31281, Tampa,  by writing to us at: Credit Card Security Department, PO Box 31281, Tampa,  by writing to us at: Credit Card Security Department, PO Box 31281, Tampa, 
                     for or using a credit card, visit the website of the  for or using a credit card, visit the website of the  for or using a credit card, visit the website of the  for or using a credit card, visit the website of the  for or using a credit card, visit the website of the  Consumer Financial Protection Bureau at Consumer Financial Protection Bureau at Consumer Financial Protection Bureau at To learn more about factors to consider when applying  To learn more about factors to consider when applying  To learn more about factors to consider when applying  To learn more about factors to consider when applying  To learn more about factors to consider when applying  To learn more about factors to consider when applying  To learn more about factors to consider when applying  To learn more about factors to consider when applying  Cardholder�s account statement with Issuer. cash but rather by a credit advice to Issuer which shall be shown as a credit on  cash but rather by a credit advice to Issuer which shall be shown as a credit on  cash but rather by a credit advice to Issuer which shall be shown as a credit on  Cardholder�s account statement with Issuer. cash but rather by a credit advice to Issuer which shall be shown as a credit on  Cardholder�s account statement with Issuer. cash but rather by a credit advice to Issuer which shall be shown as a credit on  Cardholder�s account statement with Issuer. FL 33631-3281 or call us at (866) 820-2928 for the Visa Signature � Card or 
                                                                    cash but rather by a credit advice to Issuer which shall be shown as a credit on  FL 33631-3281 or call us at (866) 820-2928 for the Visa Signature � Card or  by writing to us at: Credit Card Security Department, PO Box 31281, Tampa,  by writing to us at: Credit Card Security Department, PO Box 31281, Tampa,  by writing to us at: Credit Card Security Department, PO Box 31281, Tampa,  FL 33631-3281 or call us at (866) 820-2928 for the Visa Signature � Card or  FL 33631-3281 or call us at (866) 820-2928 for the Visa Signature � Card or  by writing to us at: Credit Card Security Department, PO Box 31281, Tampa,  by writing to us at: Credit Card Security Department, PO Box 31281, Tampa,  by writing to us at: Credit Card Security Department, PO Box 31281, Tampa,  and any remaining portion to the other balances in descending order from  will be applied to the balance with the highest annual percentage rate  will be applied to the balance with the highest annual percentage rate  will be applied to the balance with the highest annual percentage rate  and any remaining portion to the other balances in descending order from  will be applied to the balance with the highest annual percentage rate  will be applied to the balance with the highest annual percentage rate  and any remaining portion to the other balances in descending order from  and any remaining portion to the other balances in descending order from  by federal law. The current interest rate per annum is the Annual Percentage  by federal law. The current interest rate per annum is the Annual Percentage  time and will not exceed the lesser of 17.99% APR or the maximum allowed  time and will not exceed the lesser of 17.99% APR or the maximum allowed  time and will not exceed the lesser of 17.99% APR or the maximum allowed  time and will not exceed the lesser of 17.99% APR or the maximum allowed  time and will not exceed the lesser of 17.99% APR or the maximum allowed  by federal law. The current interest rate per annum is the Annual Percentage  by federal law. The current interest rate per annum is the Annual Percentage  may monitor and/or record any telephone communications or electronic  Communications: You agree that we, our agents or service companies  Communications: You agree that we, our agents or service companies  Communications: You agree that we, our agents or service companies  may monitor and/or record any telephone communications or electronic  may monitor and/or record any telephone communications or electronic  may monitor and/or record any telephone communications or electronic  Communications: You agree that we, our agents or service companies  Communications: You agree that we, our agents or service companies 
   From the Consumer
 Financial Protection Financial Protection From the Consumer Financial Protection Financial Protection Financial Protection Financial Protection Financial Protection for or using a credit card, visit the website of the  for or using a credit card, visit the website of the  Consumer Financial Protection Bureau at will be applied to the balance with the highest annual percentage rate  to time and will not exceed the maximum allowed by federal law, which is  Communications: You agree that we, our agents or service companies 
                 Consumer Financial Protection Bureau at Consumer Financial Protection Bureau at Consumer Financial Protection Bureau at Consumer Financial Protection Bureau at
 Bureau          http://www.consumerfinance.gov/learnmore/. Consumer Financial Protection Bureau at Consumer Financial Protection Bureau at Cardholder�s account statement with Issuer. Cardholder�s account statement with Issuer. Cardholder�s account statement with Issuer. FL 33631-3281 or call us at (866) 820-2928 for the Visa Signature � Card or  FL 33631-3281 or call us at (866) 820-2928 for the Visa Signature � Card or  FL 33631-3281 or call us at (866) 820-2928 for the Visa Signature � Card or  and any remaining portion to the other balances in descending order from  and any remaining portion to the other balances in descending order from  and any remaining portion to the other balances in descending order from  by federal law. The current interest rate per annum is the Annual Percentage  by federal law. The current interest rate per annum is the Annual Percentage  by federal law. The current interest rate per annum is the Annual Percentage  may monitor and/or record any telephone communications or electronic  may monitor and/or record any telephone communications or electronic  may monitor and/or record any telephone communications or electronic 
   Bureau Financial Protection Bureau Financial Protection Financial Protection Financial Protection Financial Protection Bureau From the Consumer From the Consumer From the Consumer From the Consumer From the Consumer From the Consumer From the Consumer From the Consumer
   Bureau            for or using a credit card, visit the website of the  for or using a credit card, visit the website of the  for or using a credit card, visit the website of the  for or using a credit card, visit the website of the  for or using a credit card, visit the website of the  for or using a credit card, visit the website of the  for or using a credit card, visit the website of the  for or using a credit card, visit the website of the  Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore/. Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore/. http://www.consumerfinance.gov/learnmore/. Consumer Financial Protection Bureau at Consumer Financial Protection Bureau at Consumer Financial Protection Bureau at Cardholder�s account statement with Issuer. (866) 820-2934 for all other cards. Cardholder�s account statement with Issuer. Cardholder�s account statement with Issuer. Cardholder�s account statement with Issuer. Cardholder�s account statement with Issuer. Cardholder�s account statement with Issuer. (866) 820-2934 for all other cards. FL 33631-3281 or call us at (866) 820-2928 for the Visa Signature � Card or  FL 33631-3281 or call us at (866) 820-2928 for the Visa Signature � Card or  FL 33631-3281 or call us at (866) 820-2928 for the Visa Signature � Card or  FL 33631-3281 or call us at (866) 820-2928 for the Visa Signature � Card or  FL 33631-3281 or call us at (866) 820-2928 for the Visa Signature � Card or  (866) 820-2934 for all other cards. FL 33631-3281 or call us at (866) 820-2928 for the Visa Signature � Card or  (866) 820-2934 for all other cards. the highest APR based on the applicable APR in accordance with law. Any 
                                                                                                                                     and any remaining portion to the other balances in descending order from  the highest APR based on the applicable APR in accordance with law. Any  and any remaining portion to the other balances in descending order from  and any remaining portion to the other balances in descending order from  and any remaining portion to the other balances in descending order from  the highest APR based on the applicable APR in accordance with law. Any  the highest APR based on the applicable APR in accordance with law. Any  and any remaining portion to the other balances in descending order from  and any remaining portion to the other balances in descending order from  Rate (APR) set forth in the Disclosure box below. Rate (APR) set forth in the Disclosure box below. by federal law. The current interest rate per annum is the Annual Percentage  by federal law. The current interest rate per annum is the Annual Percentage  Rate (APR) set forth in the Disclosure box below. by federal law. The current interest rate per annum is the Annual Percentage  currently 18.00% APR. The current interest rate per annum is the Annual  by federal law. The current interest rate per annum is the Annual Percentage  by federal law. The current interest rate per annum is the Annual Percentage  Rate (APR) set forth in the Disclosure box below. communications with you. may monitor and/or record any telephone communications or electronic  may monitor and/or record any telephone communications or electronic  may monitor and/or record any telephone communications or electronic  communications with you. communications with you. may monitor and/or record any telephone communications or electronic  communications with you.
                                                                                                                                                                                                      may monitor and/or record any telephone communications or electronic  may monitor and/or record any telephone communications or electronic 
   Bureau Bureau Financial Protection Financial Protection
 Bureau Bureau       http://www.consumerfinance.gov/learnmore/.
   Bureau Bureau http://www.consumerfinance.gov/learnmore/. http://www.consumerfinance.gov/learnmore/. Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore/. http://www.consumerfinance.gov/learnmore/. http://www.consumerfinance.gov/learnmore/. http://www.consumerfinance.gov/learnmore/. Consumer Financial Protection Bureau at
                                                                 Security Precautions: Financial Resources Federal Credit Union advises  (866) 820-2934 for all other cards. (866) 820-2934 for all other cards. (866) 820-2934 for all other cards. the highest APR based on the applicable APR in accordance with law. Any  the highest APR based on the applicable APR in accordance with law. Any  the highest APR based on the applicable APR in accordance with law. Any  Rate (APR) set forth in the Disclosure box below. Rate (APR) set forth in the Disclosure box below. Rate (APR) set forth in the Disclosure box below. communications with you. communications with you. communications with you.
   Bureau Bureau Bureau Bureau Bureau Financial Protection Financial Protection Financial Protection Financial Protection Financial Protection Financial Protection Financial Protection Financial Protection Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore/. http://www.consumerfinance.gov/learnmore/. Consumer Financial Protection Bureau at Consumer Financial Protection Bureau at Consumer Financial Protection Bureau at Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore/. http://www.consumerfinance.gov/learnmore/. Consumer Financial Protection Bureau at Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore/. Consumer Financial Protection Bureau at Security Precautions: Financial Resources Federal Credit Union advises  Security Precautions: Financial Resources Federal Credit Union advises  Security Precautions: Financial Resources Federal Credit Union advises  (866) 820-2934 for all other cards. (866) 820-2934 for all other cards. (866) 820-2934 for all other cards. (866) 820-2934 for all other cards. (866) 820-2934 for all other cards. (866) 820-2934 for all other cards. payments less than the Minimum Payment Due and credits will be applied  the highest APR based on the applicable APR in accordance with law. Any  the highest APR based on the applicable APR in accordance with law. Any  payments less than the Minimum Payment Due and credits will be applied  the highest APR based on the applicable APR in accordance with law. Any  the highest APR based on the applicable APR in accordance with law. Any  payments less than the Minimum Payment Due and credits will be applied  the highest APR based on the applicable APR in accordance with law. Any  payments less than the Minimum Payment Due and credits will be applied  the highest APR based on the applicable APR in accordance with law. Any  Rate (APR) set forth in the Disclosure box below. Rate (APR) set forth in the Disclosure box below. Percentage Rate (APR) set forth in the Disclosure box below. Rate (APR) set forth in the Disclosure box below. Rate (APR) set forth in the Disclosure box below. Rate (APR) set forth in the Disclosure box below. communications with you. communications with you. communications with you. communications with you. communications with you.
   Bureau Bureau     http://www.consumerfinance.gov/learnmore/. http://www.consumerfinance.gov/learnmore/.                                                                                            communications with you.
                                                                 Security Precautions: Financial Resources Federal Credit Union advises  Security Precautions: Financial Resources Federal Credit Union advises  Security Precautions: Financial Resources Federal Credit Union advises  payments less than the Minimum Payment Due and credits will be applied  payments less than the Minimum Payment Due and credits will be applied  payments less than the Minimum Payment Due and credits will be applied 
   Bureau Bureau Bureau Bureau Bureau Bureau Bureau Bureau http://www.consumerfinance.gov/learnmore/. http://www.consumerfinance.gov/learnmore/. http://www.consumerfinance.gov/learnmore/. http://www.consumerfinance.gov/learnmore/. http://www.consumerfinance.gov/learnmore/. http://www.consumerfinance.gov/learnmore/. http://www.consumerfinance.gov/learnmore/. http://www.consumerfinance.gov/learnmore/. all debit card and credit cardholders to please exercise discretion when using  all debit card and credit cardholders to please exercise discretion when using  Security Precautions: Financial Resources Federal Credit Union advises  Security Precautions: Financial Resources Federal Credit Union advises  all debit card and credit cardholders to please exercise discretion when using  all debit card and credit cardholders to please exercise discretion when using  Security Precautions: Financial Resources Federal Credit Union advises  Security Precautions: Financial Resources Federal Credit Union advises  Security Precautions: Financial Resources Federal Credit Union advises  Security Precautions: Financial Resources Federal Credit Union advises  Credit Limit: By using the card, you acknowledge that you applied for  Credit Limit: By using the card, you acknowledge that you applied for  Credit Limit: By using the card, you acknowledge that you applied for  Credit Limit: By using the card, you acknowledge that you applied for  at our discretion. You may no longer direct us how to apply your payment  at our discretion. You may no longer direct us how to apply your payment  at our discretion. You may no longer direct us how to apply your payment  payments less than the Minimum Payment Due and credits will be applied  at our discretion. You may no longer direct us how to apply your payment  payments less than the Minimum Payment Due and credits will be applied  payments less than the Minimum Payment Due and credits will be applied  payments less than the Minimum Payment Due and credits will be applied  payments less than the Minimum Payment Due and credits will be applied  payments less than the Minimum Payment Due and credits will be applied  Variable Rate Information: Your APR will vary. The rate for purchases,  Variable Rate Information: Your APR will vary. The rate for purchases,  Variable Rate Information: Your APR will vary. The rate for purchases,  Variable Rate Information: Your APR will vary. The rate for purchases,  Credit Review and Release of Information: FRFCU reserves the  Credit Review and Release of Information: FRFCU reserves the  Credit Review and Release of Information: FRFCU reserves the  Credit Review and Release of Information: FRFCU reserves the 
 Fees Fees Fees Fees
   Fees                                                          all debit card and credit cardholders to please exercise discretion when using  all debit card and credit cardholders to please exercise discretion when using  all debit card and credit cardholders to please exercise discretion when using  a credit card to use from time to time and which may be replenished by  Credit Limit: By using the card, you acknowledge that you applied for  Credit Limit: By using the card, you acknowledge that you applied for  Credit Limit: By using the card, you acknowledge that you applied for  among your account types or on balances within your account types. at our discretion. You may no longer direct us how to apply your payment  at our discretion. You may no longer direct us how to apply your payment  at our discretion. You may no longer direct us how to apply your payment  Variable Rate Information: Your APR will vary. The rate for purchases,  cash advances and balance transfers is determined by the highest Prime  Variable Rate Information: Your APR will vary. The rate for purchases,  Variable Rate Information: Your APR will vary. The rate for purchases,  Credit Review and Release of Information: FRFCU reserves the  right to reinvestigate and reevaluate any information you provided on your  Credit Review and Release of Information: FRFCU reserves the  Credit Review and Release of Information: FRFCU reserves the 
 Fees Fees Fees Fees Fees Fees                                   an Automated Teller Machine (ATM). There are risks of using a PIN at an ATM  all debit card and credit cardholders to please exercise discretion when using  all debit card and credit cardholders to please exercise discretion when using  an Automated Teller Machine (ATM). There are risks of using a PIN at an ATM  all debit card and credit cardholders to please exercise discretion when using  all debit card and credit cardholders to please exercise discretion when using  an Automated Teller Machine (ATM). There are risks of using a PIN at an ATM  all debit card and credit cardholders to please exercise discretion when using  an Automated Teller Machine (ATM). There are risks of using a PIN at an ATM  all debit card and credit cardholders to please exercise discretion when using  Credit Limit: By using the card, you acknowledge that you applied for  a credit card to use from time to time and which may be replenished by  Credit Limit: By using the card, you acknowledge that you applied for  a credit card to use from time to time and which may be replenished by  Credit Limit: By using the card, you acknowledge that you applied for  Credit Limit: By using the card, you acknowledge that you applied for  Credit Limit: By using the card, you acknowledge that you applied for  a credit card to use from time to time and which may be replenished by  Credit Limit: By using the card, you acknowledge that you applied for  at our discretion. You may no longer direct us how to apply your payment  at our discretion. You may no longer direct us how to apply your payment  at our discretion. You may no longer direct us how to apply your payment  among your account types or on balances within your account types. at our discretion. You may no longer direct us how to apply your payment  at our discretion. You may no longer direct us how to apply your payment  among your account types or on balances within your account types. at our discretion. You may no longer direct us how to apply your payment  among your account types or on balances within your account types. Variable Rate Information: Your APR will vary. The rate for purchases,  Variable Rate Information: Your APR will vary. The rate for purchases,  cash advances and balance transfers is determined by the highest Prime 
                                                                                                                                                                      Variable Rate Information: Your APR will vary. The rate for purchases,  Variable Rate Information: Your APR will vary. The rate for purchases,  Variable Rate Information: Your APR will vary. The rate for purchases,  cash advances and balance transfers is determined by the highest Prime  cash advances and balance transfers is determined by the highest Prime  Variable Rate Information: Your APR will vary. The rate for purchases,  Credit Review and Release of Information: FRFCU reserves the  right to reinvestigate and reevaluate any information you provided on your  Credit Review and Release of Information: FRFCU reserves the  right to reinvestigate and reevaluate any information you provided on your  Credit Review and Release of Information: FRFCU reserves the  Credit Review and Release of Information: FRFCU reserves the  Credit Review and Release of Information: FRFCU reserves the  Credit Review and Release of Information: FRFCU reserves the  right to reinvestigate and reevaluate any information you provided on your 
 Annual Fee Fees Fees Fees Fees Fees
   Fees Fees Annual Fee Annual Fee Annual Fee None None None None an Automated Teller Machine (ATM). There are risks of using a PIN at an ATM  terminal that has been modi?ed, has a suspicious device attached, may not  an Automated Teller Machine (ATM). There are risks of using a PIN at an ATM  an Automated Teller Machine (ATM). There are risks of using a PIN at an ATM  payment on amounts previously drawn. The credit limit will be determined by  a credit card to use from time to time and which may be replenished by  a credit card to use from time to time and which may be replenished by  a credit card to use from time to time and which may be replenished by  among your account types or on balances within your account types. among your account types or on balances within your account types. among your account types or on balances within your account types. cash advances and balance transfers is determined by the highest Prime  cash advances and balance transfers is determined by the highest Prime  cash advances and balance transfers is determined by the highest Prime  right to reinvestigate and reevaluate any information you provided on your  right to reinvestigate and reevaluate any information you provided on your  right to reinvestigate and reevaluate any information you provided on your 
   Annual Fee        None                                           an Automated Teller Machine (ATM). There are risks of using a PIN at an ATM  terminal that has been modi?ed, has a suspicious device attached, may not  an Automated Teller Machine (ATM). There are risks of using a PIN at an ATM  terminal that has been modi?ed, has a suspicious device attached, may not  terminal that has been modi?ed, has a suspicious device attached, may not  an Automated Teller Machine (ATM). There are risks of using a PIN at an ATM  an Automated Teller Machine (ATM). There are risks of using a PIN at an ATM  an Automated Teller Machine (ATM). There are risks of using a PIN at an ATM  a credit card to use from time to time and which may be replenished by  payment on amounts previously drawn. The credit limit will be determined by  a credit card to use from time to time and which may be replenished by  a credit card to use from time to time and which may be replenished by  payment on amounts previously drawn. The credit limit will be determined by  a credit card to use from time to time and which may be replenished by  a credit card to use from time to time and which may be replenished by  payment on amounts previously drawn. The credit limit will be determined by  among your account types or on balances within your account types. among your account types or on balances within your account types. among your account types or on balances within your account types. among your account types or on balances within your account types. among your account types or on balances within your account types. Rate (as published by the Wall Street Journal). The Wall Street Journal Index  Rate (as published by the Wall Street Journal). The Wall Street Journal Index  Rate (as published by the Wall Street Journal). The Wall Street Journal Index  cash advances and balance transfers is determined by the highest Prime  cash advances and balance transfers is determined by the highest Prime  Rate (as published by the Wall Street Journal). The Wall Street Journal Index  cash advances and balance transfers is determined by the highest Prime  cash advances and balance transfers is determined by the highest Prime  cash advances and balance transfers is determined by the highest Prime  credit application at any time. In the course of doing so, we may ask you for  credit application at any time. In the course of doing so, we may ask you for 
                                                                                                                                     among your account types or on balances within your account types. right to reinvestigate and reevaluate any information you provided on your  right to reinvestigate and reevaluate any information you provided on your  credit application at any time. In the course of doing so, we may ask you for 
                                                                    an Automated Teller Machine (ATM). There are risks of using a PIN at an ATM  a credit card to use from time to time and which may be replenished by  cash advances and balance transfers is determined by the highest Prime  right to reinvestigate and reevaluate any information you provided on your  right to reinvestigate and reevaluate any information you provided on your  right to reinvestigate and reevaluate any information you provided on your  right to reinvestigate and reevaluate any information you provided on your  credit application at any time. In the course of doing so, we may ask you for 
 Annual Fee Annual Fee Fees Annual Fee Fees Fees Fees Fees Annual Fee Fees Fees Fees Annual Fee Annual Fee None None None None None None
   Annual Fee Annual Fee Annual Fee Annual Fee Annual Fee None None None None None terminal that has been modi?ed, has a suspicious device attached, may not  terminal that has been modi?ed, has a suspicious device attached, may not  terminal that has been modi?ed, has a suspicious device attached, may not  payment on amounts previously drawn. The credit limit will be determined by  the Issuer, and will be drawn upon as you utilize the Account. You agree not to  payment on amounts previously drawn. The credit limit will be determined by  payment on amounts previously drawn. The credit limit will be determined by  Default: You will be in default under any of the following circumstances:  Rate (as published by the Wall Street Journal). The Wall Street Journal Index  Rate (as published by the Wall Street Journal). The Wall Street Journal Index  Rate (as published by the Wall Street Journal). The Wall Street Journal Index  credit application at any time. In the course of doing so, we may ask you for  credit application at any time. In the course of doing so, we may ask you for  credit application at any time. In the course of doing so, we may ask you for 
 Transaction Fees Annual Fee Annual Fee Transaction Fees Transaction Fees Transaction Fees None None be genuine, or is otherwise operating in a suspicious manner. Therefore,  terminal that has been modi?ed, has a suspicious device attached, may not  terminal that has been modi?ed, has a suspicious device attached, may not  terminal that has been modi?ed, has a suspicious device attached, may not  terminal that has been modi?ed, has a suspicious device attached, may not  be genuine, or is otherwise operating in a suspicious manner. Therefore,  terminal that has been modi?ed, has a suspicious device attached, may not  be genuine, or is otherwise operating in a suspicious manner. Therefore,  terminal that has been modi?ed, has a suspicious device attached, may not  be genuine, or is otherwise operating in a suspicious manner. Therefore,  payment on amounts previously drawn. The credit limit will be determined by  payment on amounts previously drawn. The credit limit will be determined by  payment on amounts previously drawn. The credit limit will be determined by  payment on amounts previously drawn. The credit limit will be determined by  the Issuer, and will be drawn upon as you utilize the Account. You agree not to  payment on amounts previously drawn. The credit limit will be determined by  the Issuer, and will be drawn upon as you utilize the Account. You agree not to  the Issuer, and will be drawn upon as you utilize the Account. You agree not to  payment on amounts previously drawn. The credit limit will be determined by  Default: You will be in default under any of the following circumstances:  Default: You will be in default under any of the following circumstances:  Default: You will be in default under any of the following circumstances:  is published in the consumer rates table of the Wall Street Journal on the  is published in the consumer rates table of the Wall Street Journal on the  Rate (as published by the Wall Street Journal). The Wall Street Journal Index  is published in the consumer rates table of the Wall Street Journal on the  is published in the consumer rates table of the Wall Street Journal on the  additional information, request credit bureau reports and/or otherwise verify  additional information, request credit bureau reports and/or otherwise verify  additional information, request credit bureau reports and/or otherwise verify  additional information, request credit bureau reports and/or otherwise verify  Rate (as published by the Wall Street Journal). The Wall Street Journal Index  Rate (as published by the Wall Street Journal). The Wall Street Journal Index  Rate (as published by the Wall Street Journal). The Wall Street Journal Index  Rate (as published by the Wall Street Journal). The Wall Street Journal Index  Rate (as published by the Wall Street Journal). The Wall Street Journal Index  credit application at any time. In the course of doing so, we may ask you for  credit application at any time. In the course of doing so, we may ask you for  credit application at any time. In the course of doing so, we may ask you for  credit application at any time. In the course of doing so, we may ask you for  credit application at any time. In the course of doing so, we may ask you for  credit application at any time. In the course of doing so, we may ask you for 
   Annual Fee Annual Fee Annual Fee Transaction Fees
 Transaction Fees Transaction Fees Transaction Fees Annual Fee Annual Fee Annual Fee Annual Fee Transaction Fees Annual Fee Transaction Fees Transaction Fees None None None None None None None None be genuine, or is otherwise operating in a suspicious manner. Therefore,  be genuine, or is otherwise operating in a suspicious manner. Therefore,  be genuine, or is otherwise operating in a suspicious manner. Therefore,  use your Card or permit the use of your Account to obtain credit purchases or  the Issuer, and will be drawn upon as you utilize the Account. You agree not to  the Issuer, and will be drawn upon as you utilize the Account. You agree not to  the Issuer, and will be drawn upon as you utilize the Account. You agree not to  Default: You will be in default under any of the following circumstances:  1) if you fail to make any minimum payment or other payment required  Default: You will be in default under any of the following circumstances:  Default: You will be in default under any of the following circumstances:  is published in the consumer rates table of the Wall Street Journal on the  15th of each month (or the next business day if not published on the 15th)  is published in the consumer rates table of the Wall Street Journal on the  is published in the consumer rates table of the Wall Street Journal on the  additional information, request credit bureau reports and/or otherwise verify  your current credit standing. Due to federal regulations FRFCU is required  additional information, request credit bureau reports and/or otherwise verify  your current credit standing. Due to federal regulations FRFCU is required  your current credit standing. Due to federal regulations FRFCU is required  additional information, request credit bureau reports and/or otherwise verify  your current credit standing. Due to federal regulations FRFCU is required  - Balance Transfer Transaction Fees - - Transaction Fees Transaction Fees Transaction Fees Transaction Fees - Balance Transfer Balance Transfer Balance Transfer No fee. No fee. No fee. No fee. please tell us if you know of any problem with a facility. For instance, let us  be genuine, or is otherwise operating in a suspicious manner. Therefore,  be genuine, or is otherwise operating in a suspicious manner. Therefore,  be genuine, or is otherwise operating in a suspicious manner. Therefore,  be genuine, or is otherwise operating in a suspicious manner. Therefore,  please tell us if you know of any problem with a facility. For instance, let us  please tell us if you know of any problem with a facility. For instance, let us  be genuine, or is otherwise operating in a suspicious manner. Therefore,  please tell us if you know of any problem with a facility. For instance, let us  be genuine, or is otherwise operating in a suspicious manner. Therefore,  use your Card or permit the use of your Account to obtain credit purchases or  the Issuer, and will be drawn upon as you utilize the Account. You agree not to  the Issuer, and will be drawn upon as you utilize the Account. You agree not to  the Issuer, and will be drawn upon as you utilize the Account. You agree not to  the Issuer, and will be drawn upon as you utilize the Account. You agree not to  use your Card or permit the use of your Account to obtain credit purchases or  use your Card or permit the use of your Account to obtain credit purchases or  the Issuer, and will be drawn upon as you utilize the Account. You agree not to  the Issuer, and will be drawn upon as you utilize the Account. You agree not to  1) if you fail to make any minimum payment or other payment required  Default: You will be in default under any of the following circumstances:  Default: You will be in default under any of the following circumstances:  Default: You will be in default under any of the following circumstances:  1) if you fail to make any minimum payment or other payment required  Default: You will be in default under any of the following circumstances:  Default: You will be in default under any of the following circumstances:  1) if you fail to make any minimum payment or other payment required  Default: You will be in default under any of the following circumstances:  15th of each month (or the next business day if not published on the 15th)  is published in the consumer rates table of the Wall Street Journal on the  is published in the consumer rates table of the Wall Street Journal on the  is published in the consumer rates table of the Wall Street Journal on the  15th of each month (or the next business day if not published on the 15th) 
                                                                                                                                                                      is published in the consumer rates table of the Wall Street Journal on the  is published in the consumer rates table of the Wall Street Journal on the  15th of each month (or the next business day if not published on the 15th)  is published in the consumer rates table of the Wall Street Journal on the  additional information, request credit bureau reports and/or otherwise verify  additional information, request credit bureau reports and/or otherwise verify  additional information, request credit bureau reports and/or otherwise verify  additional information, request credit bureau reports and/or otherwise verify  additional information, request credit bureau reports and/or otherwise verify  additional information, request credit bureau reports and/or otherwise verify 
   Transaction Fees Transaction Fees - - - - Balance Transfer
 - Balance Transfer - - Balance Transfer Balance Transfer Balance Transfer No fee.
     Balance Transfer Balance Transfer No fee. No fee. No fee. No fee. No fee. No fee. please tell us if you know of any problem with a facility. For instance, let us  please tell us if you know of any problem with a facility. For instance, let us  please tell us if you know of any problem with a facility. For instance, let us  use your Card or permit the use of your Account to obtain credit purchases or  use your Card or permit the use of your Account to obtain credit purchases or  use your Card or permit the use of your Account to obtain credit purchases or  1) if you fail to make any minimum payment or other payment required  1) if you fail to make any minimum payment or other payment required  1) if you fail to make any minimum payment or other payment required  15th of each month (or the next business day if not published on the 15th)  15th of each month (or the next business day if not published on the 15th)  15th of each month (or the next business day if not published on the 15th)  your current credit standing. Due to federal regulations FRFCU is required  your current credit standing. Due to federal regulations FRFCU is required  your current credit standing. Due to federal regulations FRFCU is required 
 - Cash Advance - - - - - - - - Cash Advance Balance Transfer Balance Transfer Cash Advance Cash Advance Balance Transfer Balance Transfer Balance Transfer know if a light is not working or there is any damage to a facility. Report any  Either $10 or 2% of the amount of each cash advance, whichever is No fee. Either $10 or 2% of the amount of each cash advance, whichever is Either $10 or 2% of the amount of each cash advance, whichever is No fee. Either $10 or 2% of the amount of each cash advance, whichever is No fee. No fee. No fee. please tell us if you know of any problem with a facility. For instance, let us  please tell us if you know of any problem with a facility. For instance, let us  know if a light is not working or there is any damage to a facility. Report any  know if a light is not working or there is any damage to a facility. Report any  please tell us if you know of any problem with a facility. For instance, let us  please tell us if you know of any problem with a facility. For instance, let us  know if a light is not working or there is any damage to a facility. Report any  please tell us if you know of any problem with a facility. For instance, let us  please tell us if you know of any problem with a facility. For instance, let us  loans which will increase your credit card indebtedness to us to an amount in  loans which will increase your credit card indebtedness to us to an amount in  use your Card or permit the use of your Account to obtain credit purchases or  loans which will increase your credit card indebtedness to us to an amount in  use your Card or permit the use of your Account to obtain credit purchases or  use your Card or permit the use of your Account to obtain credit purchases or  loans which will increase your credit card indebtedness to us to an amount in  use your Card or permit the use of your Account to obtain credit purchases or  use your Card or permit the use of your Account to obtain credit purchases or  use your Card or permit the use of your Account to obtain credit purchases or  by the Issuer on or before the date it is due or if you attempt to in any way  1) if you fail to make any minimum payment or other payment required  1) if you fail to make any minimum payment or other payment required  1) if you fail to make any minimum payment or other payment required  by the Issuer on or before the date it is due or if you attempt to in any way  1) if you fail to make any minimum payment or other payment required  1) if you fail to make any minimum payment or other payment required  1) if you fail to make any minimum payment or other payment required  by the Issuer on or before the date it is due or if you attempt to in any way  by the Issuer on or before the date it is due or if you attempt to in any way  effective with your billing statement the following month. 15th of each month (or the next business day if not published on the 15th)  15th of each month (or the next business day if not published on the 15th)  15th of each month (or the next business day if not published on the 15th)  effective with your billing statement the following month. effective with your billing statement the following month. effective with your billing statement the following month.
                                                                                                                                                                      15th of each month (or the next business day if not published on the 15th)  15th of each month (or the next business day if not published on the 15th)  15th of each month (or the next business day if not published on the 15th)  to review your account not less frequently than once every six months to  your current credit standing. Due to federal regulations FRFCU is required  to review your account not less frequently than once every six months to  your current credit standing. Due to federal regulations FRFCU is required  your current credit standing. Due to federal regulations FRFCU is required  to review your account not less frequently than once every six months to  your current credit standing. Due to federal regulations FRFCU is required  to review your account not less frequently than once every six months to  your current credit standing. Due to federal regulations FRFCU is required  your current credit standing. Due to federal regulations FRFCU is required  Transaction Fees Transaction Fees Transaction Fees Transaction Fees Transaction Fees Transaction Fees Transaction Fees Transaction Fees
   - - - Cash Advance Balance Transfer Balance Transfer
 - Cash Advance - - - - - Cash Advance Cash Advance Cash Advance No fee. No fee. Either $10 or 2% of the amount of each cash advance, whichever is
     Cash Advance Cash Advance Either $10 or 2% of the amount of each cash advance, whichever is Either $10 or 2% of the amount of each cash advance, whichever is Either $10 or 2% of the amount of each cash advance, whichever is know if a light is not working or there is any damage to a facility. Report any  know if a light is not working or there is any damage to a facility. Report any  know if a light is not working or there is any damage to a facility. Report any  loans which will increase your credit card indebtedness to us to an amount in  loans which will increase your credit card indebtedness to us to an amount in  loans which will increase your credit card indebtedness to us to an amount in  by the Issuer on or before the date it is due or if you attempt to in any way  avoid payment of your obligations; 2) if you violate any portion of your  by the Issuer on or before the date it is due or if you attempt to in any way  by the Issuer on or before the date it is due or if you attempt to in any way  effective with your billing statement the following month. effective with your billing statement the following month. effective with your billing statement the following month. to review your account not less frequently than once every six months to  to review your account not less frequently than once every six months to  to review your account not less frequently than once every six months to 
                 greater. Either $10 or 2% of the amount of each cash advance, whichever is Either $10 or 2% of the amount of each cash advance, whichever is Either $10 or 2% of the amount of each cash advance, whichever is suspicious activity or crimes to both the operator of the facility and the local  suspicious activity or crimes to both the operator of the facility and the local  suspicious activity or crimes to both the operator of the facility and the local  know if a light is not working or there is any damage to a facility. Report any  suspicious activity or crimes to both the operator of the facility and the local  know if a light is not working or there is any damage to a facility. Report any  know if a light is not working or there is any damage to a facility. Report any  know if a light is not working or there is any damage to a facility. Report any  know if a light is not working or there is any damage to a facility. Report any  know if a light is not working or there is any damage to a facility. Report any  excess of the established limit. loans which will increase your credit card indebtedness to us to an amount in  excess of the established limit. excess of the established limit. loans which will increase your credit card indebtedness to us to an amount in  loans which will increase your credit card indebtedness to us to an amount in  loans which will increase your credit card indebtedness to us to an amount in  excess of the established limit. loans which will increase your credit card indebtedness to us to an amount in  loans which will increase your credit card indebtedness to us to an amount in  by the Issuer on or before the date it is due or if you attempt to in any way  avoid payment of your obligations; 2) if you violate any portion of your  by the Issuer on or before the date it is due or if you attempt to in any way  by the Issuer on or before the date it is due or if you attempt to in any way  by the Issuer on or before the date it is due or if you attempt to in any way  avoid payment of your obligations; 2) if you violate any portion of your  avoid payment of your obligations; 2) if you violate any portion of your  by the Issuer on or before the date it is due or if you attempt to in any way  by the Issuer on or before the date it is due or if you attempt to in any way  reassess your credit worthiness and adjust your APR accordingly, if necessary.  to review your account not less frequently than once every six months to  to review your account not less frequently than once every six months to  reassess your credit worthiness and adjust your APR accordingly, if necessary.  to review your account not less frequently than once every six months to  reassess your credit worthiness and adjust your APR accordingly, if necessary.  reassess your credit worthiness and adjust your APR accordingly, if necessary.  to review your account not less frequently than once every six months to  to review your account not less frequently than once every six months to 
   - - - - - - - - - - - - - Balance Transfer Balance Transfer Balance Transfer Balance Transfer Balance Transfer Balance Transfer Balance Transfer Balance Transfer Cash Advance Cash Advance Cash Advance Cash Advance Cash Advance greater. greater. greater. No fee. No fee. No fee. No fee. No fee. No fee. No fee. No fee. Either $10 or 2% of the amount of each cash advance, whichever is Either $10 or 2% of the amount of each cash advance, whichever is Either $10 or 2% of the amount of each cash advance, whichever is Either $10 or 2% of the amount of each cash advance, whichever is Either $10 or 2% of the amount of each cash advance, whichever is effective with your billing statement the following month. effective with your billing statement the following month.
                     Either $10 or $2% of the amount of each cash advance, whichever is greater.                                                                      effective with your billing statement the following month. effective with your billing statement the following month. effective with your billing statement the following month. effective with your billing statement the following month. to review your account not less frequently than once every six months to 
   - - Cash Advance Cash Advance greater. greater. greater. greater. Either $10 or 2% of the amount of each cash advance, whichever is Either $10 or 2% of the amount of each cash advance, whichever is
                 greater. greater. greater.                      suspicious activity or crimes to both the operator of the facility and the local  law enforcement of?cials immediately. We want the ATM facility to be safe  suspicious activity or crimes to both the operator of the facility and the local  law enforcement of?cials immediately. We want the ATM facility to be safe  suspicious activity or crimes to both the operator of the facility and the local  law enforcement of?cials immediately. We want the ATM facility to be safe  law enforcement of?cials immediately. We want the ATM facility to be safe  excess of the established limit. excess of the established limit. excess of the established limit. avoid payment of your obligations; 2) if you violate any portion of your  avoid payment of your obligations; 2) if you violate any portion of your  avoid payment of your obligations; 2) if you violate any portion of your  reassess your credit worthiness and adjust your APR accordingly, if necessary.  reassess your credit worthiness and adjust your APR accordingly, if necessary.  reassess your credit worthiness and adjust your APR accordingly, if necessary. 
 - Foreign Transaction - - - Foreign Transaction Foreign Transaction Foreign Transaction 1% of the U.S. Dollar amount of each such transaction. 1% of the U.S. Dollar amount of each such transaction. greater. greater. 1% of the U.S. Dollar amount of each such transaction. greater. greater. 1% of the U.S. Dollar amount of each such transaction. greater. suspicious activity or crimes to both the operator of the facility and the local  suspicious activity or crimes to both the operator of the facility and the local  suspicious activity or crimes to both the operator of the facility and the local  suspicious activity or crimes to both the operator of the facility and the local  suspicious activity or crimes to both the operator of the facility and the local  suspicious activity or crimes to both the operator of the facility and the local  excess of the established limit. excess of the established limit. excess of the established limit. excess of the established limit. excess of the established limit. excess of the established limit. responsibility or promise you made under this agreement; 3) if you ?le  responsibility or promise you made under this agreement; 3) if you ?le  avoid payment of your obligations; 2) if you violate any portion of your  avoid payment of your obligations; 2) if you violate any portion of your  avoid payment of your obligations; 2) if you violate any portion of your  responsibility or promise you made under this agreement; 3) if you ?le  responsibility or promise you made under this agreement; 3) if you ?le  avoid payment of your obligations; 2) if you violate any portion of your  avoid payment of your obligations; 2) if you violate any portion of your  Termination of this Agreement: FRFCU may terminate this agreement  Termination of this Agreement: FRFCU may terminate this agreement  Termination of this Agreement: FRFCU may terminate this agreement  Termination of this Agreement: FRFCU may terminate this agreement  You agree that we may release information to others, such as credit bureaus,  You agree that we may release information to others, such as credit bureaus,  You agree that we may release information to others, such as credit bureaus,  reassess your credit worthiness and adjust your APR accordingly, if necessary.  reassess your credit worthiness and adjust your APR accordingly, if necessary.  reassess your credit worthiness and adjust your APR accordingly, if necessary.  reassess your credit worthiness and adjust your APR accordingly, if necessary.  You agree that we may release information to others, such as credit bureaus,  reassess your credit worthiness and adjust your APR accordingly, if necessary. 
   - - - - - - - - Cash Advance Cash Advance Cash Advance Cash Advance Cash Advance Cash Advance Cash Advance Cash Advance Either $10 or 2% of the amount of each cash advance, whichever is Either $10 or 2% of the amount of each cash advance, whichever is Either $10 or 2% of the amount of each cash advance, whichever is Either $10 or 2% of the amount of each cash advance, whichever is Either $10 or 2% of the amount of each cash advance, whichever is Either $10 or 2% of the amount of each cash advance, whichever is Either $10 or 2% of the amount of each cash advance, whichever is Either $10 or 2% of the amount of each cash advance, whichever is avoid payment of your obligations; 2) if you violate any portion of your  reassess your credit worthiness and adjust your APR accordingly, if necessary. 
   - - - - Foreign Transaction
 - Foreign Transaction - - Foreign Transaction Foreign Transaction Foreign Transaction greater.
     Foreign Transaction Foreign Transaction 1% of the U.S. Dollar amount of each such transaction. 1% of the U.S. Dollar amount of each such transaction. 1% of the U.S. Dollar amount of each such transaction. 1% of the U.S. Dollar amount of each such transaction. greater. 1% of the U.S. Dollar amount of each such transaction. responsibility or promise you made under this agreement; 3) if you ?le  responsibility or promise you made under this agreement; 3) if you ?le  responsibility or promise you made under this agreement; 3) if you ?le  Termination of this Agreement: FRFCU may terminate this agreement  Termination of this Agreement: FRFCU may terminate this agreement  Termination of this Agreement: FRFCU may terminate this agreement  You agree that we may release information to others, such as credit bureaus,  You agree that we may release information to others, such as credit bureaus,  You agree that we may release information to others, such as credit bureaus, 
                     1% of the U.S. Dollar amount of each such transaction. law enforcement of?cials immediately. We want the ATM facility to be safe 
                     1% of the U.S. Dollar amount of each such transaction. and convenient for you. law enforcement of?cials immediately. We want the ATM facility to be safe  law enforcement of?cials immediately. We want the ATM facility to be safe 
                                                                    law enforcement of?cials immediately. We want the ATM facility to be safe  law enforcement of?cials immediately. We want the ATM facility to be safe  law enforcement of?cials immediately. We want the ATM facility to be safe  and convenient for you. law enforcement of?cials immediately. We want the ATM facility to be safe  and convenient for you. and convenient for you. law enforcement of?cials immediately. We want the ATM facility to be safe  Statements and Notices: FRFCU will send you at the most recent  Statements and Notices: FRFCU will send you at the most recent  Statements and Notices: FRFCU will send you at the most recent  Statements and Notices: FRFCU will send you at the most recent  for bankruptcy or become insolvent, meaning you are unable to pay your  responsibility or promise you made under this agreement; 3) if you ?le  for bankruptcy or become insolvent, meaning you are unable to pay your  for bankruptcy or become insolvent, meaning you are unable to pay your  responsibility or promise you made under this agreement; 3) if you ?le  responsibility or promise you made under this agreement; 3) if you ?le  responsibility or promise you made under this agreement; 3) if you ?le  responsibility or promise you made under this agreement; 3) if you ?le  for bankruptcy or become insolvent, meaning you are unable to pay your  under the following conditions: a) upon adverse re-evaluation of your credit Termination of this Agreement: FRFCU may terminate this agreement  Termination of this Agreement: FRFCU may terminate this agreement  Termination of this Agreement: FRFCU may terminate this agreement  Termination of this Agreement: FRFCU may terminate this agreement  Termination of this Agreement: FRFCU may terminate this agreement  under the following conditions: a) upon adverse re-evaluation of your credit under the following conditions: a) upon adverse re-evaluation of your credit under the following conditions: a) upon adverse re-evaluation of your credit regarding the status and history of your account. However, we are not  regarding the status and history of your account. However, we are not  regarding the status and history of your account. However, we are not  You agree that we may release information to others, such as credit bureaus,  You agree that we may release information to others, such as credit bureaus,  You agree that we may release information to others, such as credit bureaus,  You agree that we may release information to others, such as credit bureaus,  regarding the status and history of your account. However, we are not  You agree that we may release information to others, such as credit bureaus, 
   - - - - - Foreign Transaction Foreign Transaction Foreign Transaction Foreign Transaction Foreign Transaction greater. greater. greater. greater. greater. greater. greater. greater. 1% of the U.S. Dollar amount of each such transaction. 1% of the U.S. Dollar amount of each such transaction. 1% of the U.S. Dollar amount of each such transaction. 1% of the U.S. Dollar amount of each such transaction. 1% of the U.S. Dollar amount of each such transaction. law enforcement of?cials immediately. We want the ATM facility to be safe  responsibility or promise you made under this agreement; 3) if you ?le  Termination of this Agreement: FRFCU may terminate this agreement  You agree that we may release information to others, such as credit bureaus, 
 Penalty Fees - - Penalty Fees Penalty Fees Penalty Fees Foreign Transaction Foreign Transaction 1% of the U.S. Dollar amount of each such transaction. 1% of the U.S. Dollar amount of each such transaction. and convenient for you. and convenient for you. and convenient for you. address you have given the Credit Union, at monthly intervals determined  Statements and Notices: FRFCU will send you at the most recent  Statements and Notices: FRFCU will send you at the most recent  Statements and Notices: FRFCU will send you at the most recent  for bankruptcy or become insolvent, meaning you are unable to pay your  for bankruptcy or become insolvent, meaning you are unable to pay your  for bankruptcy or become insolvent, meaning you are unable to pay your  under the following conditions: a) upon adverse re-evaluation of your credit under the following conditions: a) upon adverse re-evaluation of your credit under the following conditions: a) upon adverse re-evaluation of your credit regarding the status and history of your account. However, we are not  regarding the status and history of your account. However, we are not  regarding the status and history of your account. However, we are not 
   Penalty Fees Penalty Fees Penalty Fees Penalty Fees              and convenient for you. and convenient for you. and convenient for you. and convenient for you. and convenient for you. and convenient for you. address you have given the Credit Union, at monthly intervals determined  Statements and Notices: FRFCU will send you at the most recent  Statements and Notices: FRFCU will send you at the most recent  address you have given the Credit Union, at monthly intervals determined  Statements and Notices: FRFCU will send you at the most recent  address you have given the Credit Union, at monthly intervals determined  Statements and Notices: FRFCU will send you at the most recent  Statements and Notices: FRFCU will send you at the most recent  Statements and Notices: FRFCU will send you at the most recent  obligations when they are due or if attachment or garnishment proceedings  obligations when they are due or if attachment or garnishment proceedings  obligations when they are due or if attachment or garnishment proceedings  for bankruptcy or become insolvent, meaning you are unable to pay your  obligations when they are due or if attachment or garnishment proceedings  for bankruptcy or become insolvent, meaning you are unable to pay your  for bankruptcy or become insolvent, meaning you are unable to pay your  for bankruptcy or become insolvent, meaning you are unable to pay your  for bankruptcy or become insolvent, meaning you are unable to pay your  worthiness; b) if you fail to satisfy the terms of the agreement; and/or c) at  under the following conditions: a) upon adverse re-evaluation of your credit under the following conditions: a) upon adverse re-evaluation of your credit worthiness; b) if you fail to satisfy the terms of the agreement; and/or c) at  worthiness; b) if you fail to satisfy the terms of the agreement; and/or c) at  under the following conditions: a) upon adverse re-evaluation of your credit worthiness; b) if you fail to satisfy the terms of the agreement; and/or c) at  under the following conditions: a) upon adverse re-evaluation of your credit under the following conditions: a) upon adverse re-evaluation of your credit obligated to release any such information to anyone unless required by law  regarding the status and history of your account. However, we are not  regarding the status and history of your account. However, we are not  obligated to release any such information to anyone unless required by law  regarding the status and history of your account. However, we are not  regarding the status and history of your account. However, we are not  obligated to release any such information to anyone unless required by law  regarding the status and history of your account. However, we are not  obligated to release any such information to anyone unless required by law 
 Penalty Fees - - - - - - - - Penalty Fees Penalty Fees Foreign Transaction Foreign Transaction Foreign Transaction Foreign Transaction Foreign Transaction Foreign Transaction Foreign Transaction Foreign Transaction 1% of the U.S. Dollar amount of each such transaction. 1% of the U.S. Dollar amount of each such transaction. 1% of the U.S. Dollar amount of each such transaction. 1% of the U.S. Dollar amount of each such transaction. 1% of the U.S. Dollar amount of each such transaction. 1% of the U.S. Dollar amount of each such transaction. 1% of the U.S. Dollar amount of each such transaction. 1% of the U.S. Dollar amount of each such transaction. for bankruptcy or become insolvent, meaning you are unable to pay your  under the following conditions: a) upon adverse re-evaluation of your credit regarding the status and history of your account. However, we are not 
 - Late Payment - - Penalty Fees Penalty Fees - Penalty Fees Penalty Fees Penalty Fees Late Payment Late Payment Late Payment Up to $35.00 (Varies by State).? Up to $35.00 (Varies by State).? Up to $35.00 (Varies by State).? Up to $35.00 (Varies by State).? **$25 for the first occurrence and $35 for each subsequent occurrence   Your Responsibility: You agree that you are liable for and will pay FRFCU  by us, a statement re?ecting all Account activity for the prior period (�cycle�),  address you have given the Credit Union, at monthly intervals determined  address you have given the Credit Union, at monthly intervals determined  by us, a statement re?ecting all Account activity for the prior period (�cycle�),  address you have given the Credit Union, at monthly intervals determined  by us, a statement re?ecting all Account activity for the prior period (�cycle�),  by us, a statement re?ecting all Account activity for the prior period (�cycle�),  obligations when they are due or if attachment or garnishment proceedings  obligations when they are due or if attachment or garnishment proceedings  obligations when they are due or if attachment or garnishment proceedings  worthiness; b) if you fail to satisfy the terms of the agreement; and/or c) at  worthiness; b) if you fail to satisfy the terms of the agreement; and/or c) at  worthiness; b) if you fail to satisfy the terms of the agreement; and/or c) at  obligated to release any such information to anyone unless required by law  obligated to release any such information to anyone unless required by law  obligated to release any such information to anyone unless required by law 
   Penalty Fees Penalty Fees - Late Payment Up to $35.00 (Varies by State).? Your Responsibility: You agree that you are liable for and will pay FRFCU  Your Responsibility: You agree that you are liable for and will pay FRFCU  Your Responsibility: You agree that you are liable for and will pay FRFCU  address you have given the Credit Union, at monthly intervals determined  address you have given the Credit Union, at monthly intervals determined  address you have given the Credit Union, at monthly intervals determined  address you have given the Credit Union, at monthly intervals determined  address you have given the Credit Union, at monthly intervals determined  address you have given the Credit Union, at monthly intervals determined  are instituted against you; 4) if you made any false or misleading statements  are instituted against you; 4) if you made any false or misleading statements  obligations when they are due or if attachment or garnishment proceedings  obligations when they are due or if attachment or garnishment proceedings  obligations when they are due or if attachment or garnishment proceedings  obligations when they are due or if attachment or garnishment proceedings  obligations when they are due or if attachment or garnishment proceedings  obligations when they are due or if attachment or garnishment proceedings  are instituted against you; 4) if you made any false or misleading statements  are instituted against you; 4) if you made any false or misleading statements  your option or our option, if we have good cause. If your credit card Account  worthiness; b) if you fail to satisfy the terms of the agreement; and/or c) at  worthiness; b) if you fail to satisfy the terms of the agreement; and/or c) at  your option or our option, if we have good cause. If your credit card Account  your option or our option, if we have good cause. If your credit card Account  worthiness; b) if you fail to satisfy the terms of the agreement; and/or c) at  your option or our option, if we have good cause. If your credit card Account 
                                                                                                                                                                      worthiness; b) if you fail to satisfy the terms of the agreement; and/or c) at  worthiness; b) if you fail to satisfy the terms of the agreement; and/or c) at  worthiness; b) if you fail to satisfy the terms of the agreement; and/or c) at  to do so. obligated to release any such information to anyone unless required by law  to do so. to do so. obligated to release any such information to anyone unless required by law  obligated to release any such information to anyone unless required by law  to do so. obligated to release any such information to anyone unless required by law  obligated to release any such information to anyone unless required by law 
 - Late Payment - - - - - Late Payment Late Payment Late Payment
 - Over-the-Credit-Limit Late Payment Late Payment Up to $35.00 (Varies by State).? Up to $35.00 (Varies by State).? Up to $35.00 (Varies by State).? Up to $35.00 (Varies by State).? Up to $35.00 (Varies by State).? Up to $35.00 (Varies by State).? obligated to release any such information to anyone unless required by law 
   Penalty Fees Penalty Fees Penalty Fees Penalty Fees Penalty Fees Penalty Fees Penalty Fees Penalty Fees - - - - - - - - Late Payment Late Payment Late Payment Late Payment Over-the-Credit-Limit Late Payment Over-the-Credit-Limit Over-the-Credit-Limit No fee. Up to $35.00 (Varies by State).? Up to $35.00 (Varies by State).? Up to $35.00 (Varies by State).? No fee. No fee. Up to $35.00 (Varies by State).? Up to $35.00 (Varies by State).? No fee. ***$35 each occurrence for Visa Business Cards only Your Responsibility: You agree that you are liable for and will pay FRFCU  Your Responsibility: You agree that you are liable for and will pay FRFCU  Your Responsibility: You agree that you are liable for and will pay FRFCU  by us, a statement re?ecting all Account activity for the prior period (�cycle�),  by us, a statement re?ecting all Account activity for the prior period (�cycle�),  by us, a statement re?ecting all Account activity for the prior period (�cycle�),  are instituted against you; 4) if you made any false or misleading statements  are instituted against you; 4) if you made any false or misleading statements  are instituted against you; 4) if you made any false or misleading statements  your option or our option, if we have good cause. If your credit card Account  your option or our option, if we have good cause. If your credit card Account  your option or our option, if we have good cause. If your credit card Account  to do so. to do so. to do so.
   - - - Over-the-Credit-Limit Late Payment Late Payment No fee. Up to $35.00 (Varies by State).? Up to $35.00 (Varies by State).? all charges (purchases, cash advances) to your account made by you or  Your Responsibility: You agree that you are liable for and will pay FRFCU  Your Responsibility: You agree that you are liable for and will pay FRFCU  all charges (purchases, cash advances) to your account made by you or  Your Responsibility: You agree that you are liable for and will pay FRFCU  Your Responsibility: You agree that you are liable for and will pay FRFCU  Your Responsibility: You agree that you are liable for and will pay FRFCU  all charges (purchases, cash advances) to your account made by you or  all charges (purchases, cash advances) to your account made by you or  Your Responsibility: You agree that you are liable for and will pay FRFCU  including purchases, cash advances, fees, and payments. Additional notices  including purchases, cash advances, fees, and payments. Additional notices  by us, a statement re?ecting all Account activity for the prior period (�cycle�),  by us, a statement re?ecting all Account activity for the prior period (�cycle�),  by us, a statement re?ecting all Account activity for the prior period (�cycle�),  by us, a statement re?ecting all Account activity for the prior period (�cycle�),  by us, a statement re?ecting all Account activity for the prior period (�cycle�),  by us, a statement re?ecting all Account activity for the prior period (�cycle�),  including purchases, cash advances, fees, and payments. Additional notices  including purchases, cash advances, fees, and payments. Additional notices  in any credit application; 5) if you provided false identi?cation or records  in any credit application; 5) if you provided false identi?cation or records  are instituted against you; 4) if you made any false or misleading statements  in any credit application; 5) if you provided false identi?cation or records  are instituted against you; 4) if you made any false or misleading statements  are instituted against you; 4) if you made any false or misleading statements  in any credit application; 5) if you provided false identi?cation or records  are instituted against you; 4) if you made any false or misleading statements  are instituted against you; 4) if you made any false or misleading statements  are instituted against you; 4) if you made any false or misleading statements  is to be terminated by the Issuer, you will receive written notice of such   your option or our option, if we have good cause. If your credit card Account  your option or our option, if we have good cause. If your credit card Account  your option or our option, if we have good cause. If your credit card Account  your option or our option, if we have good cause. If your credit card Account  your option or our option, if we have good cause. If your credit card Account  is to be terminated by the Issuer, you will receive written notice of such   your option or our option, if we have good cause. If your credit card Account  is to be terminated by the Issuer, you will receive written notice of such   is to be terminated by the Issuer, you will receive written notice of such   to do so. to do so. to do so. to do so. to do so. to do so. - Over-the-Credit-Limit - - -
 - Returned Payment - - Over-the-Credit-Limit Over-the-Credit-Limit Over-the-Credit-Limit Over-the-Credit-Limit Over-the-Credit-Limit No fee. No fee. No fee. No fee. No fee. No fee.
   - - - - - - - - - - - - - - - - Late Payment Late Payment Late Payment Late Payment Late Payment Late Payment Late Payment Late Payment Returned Payment Over-the-Credit-Limit Returned Payment Over-the-Credit-Limit Over-the-Credit-Limit Returned Payment Over-the-Credit-Limit Over-the-Credit-Limit Up to $30.00 (Varies by State). Up to $35.00 (Varies by State).? Up to $35.00 (Varies by State).? Up to $35.00 (Varies by State).? Up to $35.00 (Varies by State).? Up to $35.00 (Varies by State).? Up to $35.00 (Varies by State).? Up to $35.00 (Varies by State).? Up to $35.00 (Varies by State).? Up to $30.00 (Varies by State). Up to $30.00 (Varies by State). No fee. No fee. No fee. No fee. No fee. Up to $30.00 (Varies by State). all charges (purchases, cash advances) to your account made by you or  anyone else who is authorized to use your credit card Account (including all  all charges (purchases, cash advances) to your account made by you or  all charges (purchases, cash advances) to your account made by you or  and information may be sent to you at any time. Such statements, notices,  including purchases, cash advances, fees, and payments. Additional notices  including purchases, cash advances, fees, and payments. Additional notices  including purchases, cash advances, fees, and payments. Additional notices  in any credit application; 5) if you provided false identi?cation or records  in connection with any credit application or credit update; 6) in the event  in any credit application; 5) if you provided false identi?cation or records  in any credit application; 5) if you provided false identi?cation or records  is to be terminated by the Issuer, you will receive written notice of such   is to be terminated by the Issuer, you will receive written notice of such   is to be terminated by the Issuer, you will receive written notice of such  
   - - - Over-the-Credit-Limit Over-the-Credit-Limit Returned Payment Up to $30.00 (Varies by State). No fee. No fee. all charges (purchases, cash advances) to your account made by you or  all charges (purchases, cash advances) to your account made by you or  anyone else who is authorized to use your credit card Account (including all  all charges (purchases, cash advances) to your account made by you or  all charges (purchases, cash advances) to your account made by you or  anyone else who is authorized to use your credit card Account (including all  all charges (purchases, cash advances) to your account made by you or  anyone else who is authorized to use your credit card Account (including all  all charges (purchases, cash advances) to your account made by you or  including purchases, cash advances, fees, and payments. Additional notices  including purchases, cash advances, fees, and payments. Additional notices  and information may be sent to you at any time. Such statements, notices,  including purchases, cash advances, fees, and payments. Additional notices  and information may be sent to you at any time. Such statements, notices,  including purchases, cash advances, fees, and payments. Additional notices  and information may be sent to you at any time. Such statements, notices,  including purchases, cash advances, fees, and payments. Additional notices  including purchases, cash advances, fees, and payments. Additional notices  in any credit application; 5) if you provided false identi?cation or records  in connection with any credit application or credit update; 6) in the event  in any credit application; 5) if you provided false identi?cation or records  in any credit application; 5) if you provided false identi?cation or records  in any credit application; 5) if you provided false identi?cation or records  in any credit application; 5) if you provided false identi?cation or records  in connection with any credit application or credit update; 6) in the event  in any credit application; 5) if you provided false identi?cation or records  in connection with any credit application or credit update; 6) in the event  termination as applicable by law; however, you understand and acknowledge  termination as applicable by law; however, you understand and acknowledge  is to be terminated by the Issuer, you will receive written notice of such   termination as applicable by law; however, you understand and acknowledge  is to be terminated by the Issuer, you will receive written notice of such   is to be terminated by the Issuer, you will receive written notice of such   is to be terminated by the Issuer, you will receive written notice of such   is to be terminated by the Issuer, you will receive written notice of such   termination as applicable by law; however, you understand and acknowledge  Applicable Law: Except to the extent that Federal law is applicable, the  Applicable Law: Except to the extent that Federal law is applicable, the  Applicable Law: Except to the extent that Federal law is applicable, the  Applicable Law: Except to the extent that Federal law is applicable, the 
 - Returned Payment - - - - - Returned Payment Returned Payment Returned Payment Returned Payment Returned Payment Up to $30.00 (Varies by State). Up to $30.00 (Varies by State). Up to $30.00 (Varies by State). Up to $30.00 (Varies by State). Up to $30.00 (Varies by State). Up to $30.00 (Varies by State). is to be terminated by the Issuer, you will receive written notice of such  
 How We Will Calculate Your Balance: We will use a method called "average daily balance (including new purchases).� - - - - - - - - - - - How We Will Calculate Your Balance: We will use a method called "average daily balance (including new purchases).� How We Will Calculate Your Balance: We will use a method called "average daily balance (including new purchases).� - - How We Will Calculate Your Balance: We will use a method called "average daily balance (including new purchases).� Over-the-Credit-Limit Over-the-Credit-Limit Over-the-Credit-Limit Over-the-Credit-Limit Over-the-Credit-Limit Over-the-Credit-Limit Over-the-Credit-Limit Over-the-Credit-Limit Returned Payment Returned Payment Returned Payment Returned Payment Returned Payment No fee. No fee. No fee. No fee. No fee. No fee. No fee. No fee. Up to $30.00 (Varies by State). Up to $30.00 (Varies by State). Up to $30.00 (Varies by State). Up to $30.00 (Varies by State). Up to $30.00 (Varies by State). anyone else who is authorized to use your credit card Account (including all  Cards bearing the same Visa account number). You shall be liable and agree  anyone else who is authorized to use your credit card Account (including all  anyone else who is authorized to use your credit card Account (including all  and information may be sent to you at any time. Such statements, notices,  and information may be sent to you at any time. Such statements, notices,  and information may be sent to you at any time. Such statements, notices,  in connection with any credit application or credit update; 6) in the event  in connection with any credit application or credit update; 6) in the event  in connection with any credit application or credit update; 6) in the event  termination as applicable by law; however, you understand and acknowledge  termination as applicable by law; however, you understand and acknowledge  termination as applicable by law; however, you understand and acknowledge  Applicable Law: Except to the extent that Federal law is applicable, the 
                                                                    Cards bearing the same Visa account number). You shall be liable and agree  anyone else who is authorized to use your credit card Account (including all  anyone else who is authorized to use your credit card Account (including all  anyone else who is authorized to use your credit card Account (including all  Cards bearing the same Visa account number). You shall be liable and agree  Cards bearing the same Visa account number). You shall be liable and agree  anyone else who is authorized to use your credit card Account (including all  anyone else who is authorized to use your credit card Account (including all  and information will be sent to the most recent mailing address you have  and information will be sent to the most recent mailing address you have  and information will be sent to the most recent mailing address you have  and information will be sent to the most recent mailing address you have  and information may be sent to you at any time. Such statements, notices,  and information may be sent to you at any time. Such statements, notices,  and information may be sent to you at any time. Such statements, notices,  and information may be sent to you at any time. Such statements, notices,  and information may be sent to you at any time. Such statements, notices,  of your death; 7) if you incur charges for Purchases and Cash Advances  of your death; 7) if you incur charges for Purchases and Cash Advances  in connection with any credit application or credit update; 6) in the event  in connection with any credit application or credit update; 6) in the event  in connection with any credit application or credit update; 6) in the event  of your death; 7) if you incur charges for Purchases and Cash Advances  in connection with any credit application or credit update; 6) in the event  of your death; 7) if you incur charges for Purchases and Cash Advances  in connection with any credit application or credit update; 6) in the event  that such termination will not affect your obligation to pay any outstanding  that such termination will not affect your obligation to pay any outstanding  that such termination will not affect your obligation to pay any outstanding  termination as applicable by law; however, you understand and acknowledge  termination as applicable by law; however, you understand and acknowledge  that such termination will not affect your obligation to pay any outstanding  termination as applicable by law; however, you understand and acknowledge  termination as applicable by law; however, you understand and acknowledge  termination as applicable by law; however, you understand and acknowledge  validity, construction and enforcement of this agreement and all matters  Applicable Law: Except to the extent that Federal law is applicable, the  Applicable Law: Except to the extent that Federal law is applicable, the  validity, construction and enforcement of this agreement and all matters  validity, construction and enforcement of this agreement and all matters  validity, construction and enforcement of this agreement and all matters 
 How We Will Calculate Your Balance: We will use a method called �average daily balance (including new purchases).� How We Will Calculate Your Balance: We will use a method called �average daily balance (including new purchases).� How We Will Calculate Your Balance: We will use a method called �average daily balance (including new purchases).� How We Will Calculate Your Balance: We will use a method called �average daily balance (including new purchases).� - How We Will Calculate Your Balance: We will use a method called "average daily balance (including new purchases).� - Returned Payment Returned Payment Up to $30.00 (Varies by State). Up to $30.00 (Varies by State). anyone else who is authorized to use your credit card Account (including all  and information may be sent to you at any time. Such statements, notices,  in connection with any credit application or credit update; 6) in the event  termination as applicable by law; however, you understand and acknowledge  Applicable Law: Except to the extent that Federal law is applicable, the  Applicable Law: Except to the extent that Federal law is applicable, the  Applicable Law: Except to the extent that Federal law is applicable, the  Applicable Law: Except to the extent that Federal law is applicable, the  Applicable Law: Except to the extent that Federal law is applicable, the  Applicable Law: Except to the extent that Federal law is applicable, the 
 How We Will Calculate Your Balance: We will use a method called "average daily balance (including new purchases).� - How We Will Calculate Your Balance: We will use a method called "average daily balance (including new purchases).� - - - - - - How We Will Calculate Your Balance: We will use a method called "average daily balance (including new purchases).� How We Will Calculate Your Balance: We will use a method called "average daily balance (including new purchases).� - How We Will Calculate Your Balance: We will use a method called "average daily balance (including new purchases).� How We Will Calculate Your Balance: We will use a method called "average daily balance (including new purchases).�
 Loss of Intruductory APR: We may end your introductory APR and apply the Penalty APR if your payment is more than 90 days past the  How We Will Calculate Your Balance: We will use a method called �average daily balance (including new purchases).� How We Will Calculate Your Balance: We will use a method called �average daily balance (including new purchases).� How We Will Calculate Your Balance: We will use a method called �average daily balance (including new purchases).� How We Will Calculate Your Balance: We will use a method called "average daily balance (including new purchases).� How We Will Calculate Your Balance: We will use a method called "average daily balance (including new purchases).� How We Will Calculate Your Balance: We will use a method called "average daily balance (including new purchases).� How We Will Calculate Your Balance: We will use a method called "average daily balance (including new purchases).� How We Will Calculate Your Balance: We will use a method called "average daily balance (including new purchases).� Returned Payment Returned Payment Returned Payment Returned Payment Returned Payment Returned Payment Returned Payment Returned Payment Up to $30.00 (Varies by State). Up to $30.00 (Varies by State). Up to $30.00 (Varies by State). Up to $30.00 (Varies by State). Up to $30.00 (Varies by State). Up to $30.00 (Varies by State). Up to $30.00 (Varies by State). Up to $30.00 (Varies by State). Cards bearing the same Visa account number). You shall be liable and agree  Cards bearing the same Visa account number). You shall be liable and agree  Cards bearing the same Visa account number). You shall be liable and agree  and information will be sent to the most recent mailing address you have  and information will be sent to the most recent mailing address you have  and information will be sent to the most recent mailing address you have  of your death; 7) if you incur charges for Purchases and Cash Advances  of your death; 7) if you incur charges for Purchases and Cash Advances  of your death; 7) if you incur charges for Purchases and Cash Advances  that such termination will not affect your obligation to pay any outstanding  that such termination will not affect your obligation to pay any outstanding  that such termination will not affect your obligation to pay any outstanding  validity, construction and enforcement of this agreement and all matters 
                                                                 to pay Issuer for Credit Purchases made by, or for Cash Advances extended  Cards bearing the same Visa account number). You shall be liable and agree  Cards bearing the same Visa account number). You shall be liable and agree  Cards bearing the same Visa account number). You shall be liable and agree  to pay Issuer for Credit Purchases made by, or for Cash Advances extended  Cards bearing the same Visa account number). You shall be liable and agree  to pay Issuer for Credit Purchases made by, or for Cash Advances extended  Cards bearing the same Visa account number). You shall be liable and agree  to pay Issuer for Credit Purchases made by, or for Cash Advances extended  provided to the Credit Union. Notice sent to any one authorized user on the  and information will be sent to the most recent mailing address you have  and information will be sent to the most recent mailing address you have  and information will be sent to the most recent mailing address you have  provided to the Credit Union. Notice sent to any one authorized user on the  provided to the Credit Union. Notice sent to any one authorized user on the  and information will be sent to the most recent mailing address you have  and information will be sent to the most recent mailing address you have  provided to the Credit Union. Notice sent to any one authorized user on the  which exceed the maximum authorized credit limit; and/or 8) if the Issuer,  which exceed the maximum authorized credit limit; and/or 8) if the Issuer,  which exceed the maximum authorized credit limit; and/or 8) if the Issuer,  which exceed the maximum authorized credit limit; and/or 8) if the Issuer,  of your death; 7) if you incur charges for Purchases and Cash Advances  of your death; 7) if you incur charges for Purchases and Cash Advances  of your death; 7) if you incur charges for Purchases and Cash Advances  of your death; 7) if you incur charges for Purchases and Cash Advances  of your death; 7) if you incur charges for Purchases and Cash Advances  balance, Finance Charge, and fees. The Card(s) issued to you for this Account  that such termination will not affect your obligation to pay any outstanding  balance, Finance Charge, and fees. The Card(s) issued to you for this Account  that such termination will not affect your obligation to pay any outstanding  balance, Finance Charge, and fees. The Card(s) issued to you for this Account  that such termination will not affect your obligation to pay any outstanding  balance, Finance Charge, and fees. The Card(s) issued to you for this Account  that such termination will not affect your obligation to pay any outstanding  that such termination will not affect your obligation to pay any outstanding  arising out of the issuance and use of the Card shall be governed exclusively  arising out of the issuance and use of the Card shall be governed exclusively  arising out of the issuance and use of the Card shall be governed exclusively  arising out of the issuance and use of the Card shall be governed exclusively  validity, construction and enforcement of this agreement and all matters  validity, construction and enforcement of this agreement and all matters 
   Loss of Intruductory APR: We may end your introductory APR and apply the Penalty APR if your payment is more than 90 days past the  Loss of Intruductory APR: We may end your introductory APR and apply the Penalty APR if your payment is more than 90 days past the  validity, construction and enforcement of this agreement and all matters  validity, construction and enforcement of this agreement and all matters  validity, construction and enforcement of this agreement and all matters  validity, construction and enforcement of this agreement and all matters  validity, construction and enforcement of this agreement and all matters 
 Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if your payment is more than 90 days past the How We Will Calculate Your Balance: We will use a method called �average daily balance (including new purchases).� How We Will Calculate Your Balance: We will use a method called �average daily balance (including new purchases).� How We Will Calculate Your Balance: We will use a method called �average daily balance (including new purchases).� How We Will Calculate Your Balance: We will use a method called �average daily balance (including new purchases).� How We Will Calculate Your Balance: We will use a method called �average daily balance (including new purchases).� Loss of Intruductory APR: We may end your introductory APR and apply the Penalty APR if your payment is more than 90 days past the  How We Will Calculate Your Balance: We will use a method called �average daily balance (including new purchases).� How We Will Calculate Your Balance: We will use a method called "average daily balance (including new purchases).� How We Will Calculate Your Balance: We will use a method called "average daily balance (including new purchases).� Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if your payment is more than 90 days past the Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if your payment is more than 90 days past the Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if your payment is more than 90 days past the Cards bearing the same Visa account number). You shall be liable and agree  and information will be sent to the most recent mailing address you have  of your death; 7) if you incur charges for Purchases and Cash Advances  that such termination will not affect your obligation to pay any outstanding  validity, construction and enforcement of this agreement and all matters 
 Payment Due Date. Loss of Intruductory APR: We may end your introductory APR and apply the Penalty APR if your payment is more than 90 days past the  Loss of Intruductory APR: We may end your introductory APR and apply the Penalty APR if your payment is more than 90 days past the  Loss of Intruductory APR: We may end your introductory APR and apply the Penalty APR if your payment is more than 90 days past the  Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if your payment is more than 90 days past the to pay Issuer for Credit Purchases made by, or for Cash Advances extended  to pay Issuer for Credit Purchases made by, or for Cash Advances extended  to pay Issuer for Credit Purchases made by, or for Cash Advances extended  provided to the Credit Union. Notice sent to any one authorized user on the  arising out of the issuance and use of the Card shall be governed exclusively 
 Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if your payment is more than 90 days past the Payme Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if your payment is more than 90 days past the  Payment Due Date. Payment Due Date. Payment Due Date. Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if your payment is more than 90 days past the How We Will Calculate Your Balance: We will use a method called "average daily balance (including new purchases).� How We Will Calculate Your Balance: We will use a method called "average daily balance (including new purchases).� How We Will Calculate Your Balance: We will use a method called "average daily balance (including new purchases).� How We Will Calculate Your Balance: We will use a method called "average daily balance (including new purchases).� How We Will Calculate Your Balance: We will use a method called "average daily balance (including new purchases).� How We Will Calculate Your Balance: We will use a method called "average daily balance (including new purchases).� Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if your payment is more than 90 days past the How We Will Calculate Your Balance: We will use a method called "average daily balance (including new purchases).� Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if your payment is more than 90 days past the How We Will Calculate Your Balance: We will use a method called "average daily balance (including new purchases).� Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if your payment is more than 90 days past the Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if your payment is more than 90 days past the Payme Payme Payme to, Cardholder or anyone else using such Card unless the use of such Card is  to pay Issuer for Credit Purchases made by, or for Cash Advances extended  to pay Issuer for Credit Purchases made by, or for Cash Advances extended  to pay Issuer for Credit Purchases made by, or for Cash Advances extended  to, Cardholder or anyone else using such Card unless the use of such Card is  to pay Issuer for Credit Purchases made by, or for Cash Advances extended  to, Cardholder or anyone else using such Card unless the use of such Card is  to, Cardholder or anyone else using such Card unless the use of such Card is  to pay Issuer for Credit Purchases made by, or for Cash Advances extended  Account will constitute notice sent to all authorized users. Unless you notify  provided to the Credit Union. Notice sent to any one authorized user on the  provided to the Credit Union. Notice sent to any one authorized user on the  in its sole discretion, believes your ability to repay what you owe may be  which exceed the maximum authorized credit limit; and/or 8) if the Issuer,  which exceed the maximum authorized credit limit; and/or 8) if the Issuer,  which exceed the maximum authorized credit limit; and/or 8) if the Issuer,  balance, Finance Charge, and fees. The Card(s) issued to you for this Account  remain the property of the Issuer. Card Ownership and  balance, Finance Charge, and fees. The Card(s) issued to you for this Account  balance, Finance Charge, and fees. The Card(s) issued to you for this Account  arising out of the issuance and use of the Card shall be governed exclusively  arising out of the issuance and use of the Card shall be governed exclusively 
                                                                                                     Account will constitute notice sent to all authorized users. Unless you notify  Account will constitute notice sent to all authorized users. Unless you notify  Account will constitute notice sent to all authorized users. Unless you notify 
   Loss of Intruductory APR: We may end your introductory APR and apply the Penalty APR if your payment is more than 90 days past the  Loss of Intruductory APR: We may end your introductory APR and apply the Penalty APR if your payment is more than 90 days past the  Loss of Intruductory APR: We may end your introductory APR and apply the Penalty APR if your payment is more than 90 days past the  Loss of Intruductory APR: We may end your introductory APR and apply the Penalty APR if your payment is more than 90 days past the  Loss of Intruductory APR: We may end your introductory APR and apply the Penalty APR if your payment is more than 90 days past the  provided to the Credit Union. Notice sent to any one authorized user on the  provided to the Credit Union. Notice sent to any one authorized user on the  provided to the Credit Union. Notice sent to any one authorized user on the  provided to the Credit Union. Notice sent to any one authorized user on the  provided to the Credit Union. Notice sent to any one authorized user on the  which exceed the maximum authorized credit limit; and/or 8) if the Issuer,  which exceed the maximum authorized credit limit; and/or 8) if the Issuer,  which exceed the maximum authorized credit limit; and/or 8) if the Issuer,  in its sole discretion, believes your ability to repay what you owe may be  which exceed the maximum authorized credit limit; and/or 8) if the Issuer,  in its sole discretion, believes your ability to repay what you owe may be  which exceed the maximum authorized credit limit; and/or 8) if the Issuer,  in its sole discretion, believes your ability to repay what you owe may be  remain the property of the Issuer. Card Ownership and  balance, Finance Charge, and fees. The Card(s) issued to you for this Account  balance, Finance Charge, and fees. The Card(s) issued to you for this Account  balance, Finance Charge, and fees. The Card(s) issued to you for this Account  balance, Finance Charge, and fees. The Card(s) issued to you for this Account  remain the property of the Issuer. Card Ownership and  balance, Finance Charge, and fees. The Card(s) issued to you for this Account  remain the property of the Issuer. Card Ownership and  by the laws of the State of New Jersey. You understand and agree to submit  arising out of the issuance and use of the Card shall be governed exclusively  arising out of the issuance and use of the Card shall be governed exclusively  arising out of the issuance and use of the Card shall be governed exclusively  by the laws of the State of New Jersey. You understand and agree to submit  arising out of the issuance and use of the Card shall be governed exclusively  arising out of the issuance and use of the Card shall be governed exclusively  by the laws of the State of New Jersey. You understand and agree to submit  by the laws of the State of New Jersey. You understand and agree to submit 
   Payme Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if your payment is more than 90 days past the Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if your payment is more than 90 days past the Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if your payment is more than 90 days past the Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if your payment is more than 90 days past the Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if your payment is more than 90 days past the to pay Issuer for Credit Purchases made by, or for Cash Advances extended  provided to the Credit Union. Notice sent to any one authorized user on the  which exceed the maximum authorized credit limit; and/or 8) if the Issuer,  balance, Finance Charge, and fees. The Card(s) issued to you for this Account  arising out of the issuance and use of the Card shall be governed exclusively 
 Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your Credit Card Agreement. Payment Due Date. Payme Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your Credit Card Agreement. Payment Due Date. Payment Due Date. Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your Credit Card Agreement. Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your Credit Card Agreement. Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if your payment is more than 90 days past the Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if your payment is more than 90 days past the Payme Payme Payme Payme Payme to, Cardholder or anyone else using such Card unless the use of such Card is  to, Cardholder or anyone else using such Card unless the use of such Card is  to, Cardholder or anyone else using such Card unless the use of such Card is  Account will constitute notice sent to all authorized users. Unless you notify  Account will constitute notice sent to all authorized users. Unless you notify  Account will constitute notice sent to all authorized users. Unless you notify  in its sole discretion, believes your ability to repay what you owe may be  in its sole discretion, believes your ability to repay what you owe may be  in its sole discretion, believes your ability to repay what you owe may be  remain the property of the Issuer. Card Ownership and  remain the property of the Issuer. Card Ownership and  remain the property of the Issuer. Card Ownership and  by the laws of the State of New Jersey. You understand and agree to submit  to the jurisdiction of the State of New Jersey and that the exclusive venue for  by the laws of the State of New Jersey. You understand and agree to submit  by the laws of the State of New Jersey. You understand and agree to submit 
 Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your Credit Card Agreement. Payment Due Date. Payment Due Date. Payment Due Date. Payment Due Date. Payment Due Date. Payment Due Date.
   Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if your payment is more than 90 days past the Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if your payment is more than 90 days past the Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if your payment is more than 90 days past the Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if your payment is more than 90 days past the Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if your payment is more than 90 days past the Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if your payment is more than 90 days past the Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if your payment is more than 90 days past the Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if your payment is more than 90 days past the Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your Credit Card Agreement. Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your Credit Card Agreement. Payme Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your Credit Card Agreement. Payme Payme Payme Payme by a person other than the Cardholder (a) who does not have actual, implied  by a person other than the Cardholder (a) who does not have actual, implied  by a person other than the Cardholder (a) who does not have actual, implied  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  to, Cardholder or anyone else using such Card unless the use of such Card is  to, Cardholder or anyone else using such Card unless the use of such Card is  to, Cardholder or anyone else using such Card unless the use of such Card is  to, Cardholder or anyone else using such Card unless the use of such Card is  us in writing within 60 days of the mailing of each statement, the statement  us in writing within 60 days of the mailing of each statement, the statement  Account will constitute notice sent to all authorized users. Unless you notify  Account will constitute notice sent to all authorized users. Unless you notify  Account will constitute notice sent to all authorized users. Unless you notify  us in writing within 60 days of the mailing of each statement, the statement  Account will constitute notice sent to all authorized users. Unless you notify  us in writing within 60 days of the mailing of each statement, the statement  Account will constitute notice sent to all authorized users. Unless you notify  substantially reduced due to an event either within or beyond your control.  substantially reduced due to an event either within or beyond your control.  in its sole discretion, believes your ability to repay what you owe may be  substantially reduced due to an event either within or beyond your control.  in its sole discretion, believes your ability to repay what you owe may be  substantially reduced due to an event either within or beyond your control.  in its sole discretion, believes your ability to repay what you owe may be  in its sole discretion, believes your ability to repay what you owe may be  in its sole discretion, believes your ability to repay what you owe may be  remain the property of the Issuer. Card Ownership and  remain the property of the Issuer. Card Ownership and  remain the property of the Issuer. Card Ownership and  remain the property of the Issuer. Card Ownership and  remain the property of the Issuer. Card Ownership and  by the laws of the State of New Jersey. You understand and agree to submit  by the laws of the State of New Jersey. You understand and agree to submit  by the laws of the State of New Jersey. You understand and agree to submit  to the jurisdiction of the State of New Jersey and that the exclusive venue for  to the jurisdiction of the State of New Jersey and that the exclusive venue for  by the laws of the State of New Jersey. You understand and agree to submit  by the laws of the State of New Jersey. You understand and agree to submit  to the jurisdiction of the State of New Jersey and that the exclusive venue for 
                                                                    to, Cardholder or anyone else using such Card unless the use of such Card is  Account will constitute notice sent to all authorized users. Unless you notify  in its sole discretion, believes your ability to repay what you owe may be  remain the property of the Issuer. Card Ownership and  by the laws of the State of New Jersey. You understand and agree to submit 
 Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your Credit Card Agreement. Late Payment fee between $25 and $35, based on whether it is the ?rst or a subsequent occurrence. Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your Credit Card Agreement. Late Payment fee between $25 and $35, based on whether it is the ?rst or a subsequent occurrence. Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your Credit Card Agreement. Late Payment fee between $25 and $35, based on whether it is the ?rst or a subsequent occurrence. Late Payment fee between $25 and $35, based on whether it is the ?rst or a subsequent occurrence. Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your Credit Card Agreement.
 Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your Credit Card Agreement. Late Payment fee between $25 and $35, based on whether it is the first or a subsequent occurrence. Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your Credit Card Agreement. Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your Credit Card Agreement. Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your Credit Card Agreement. Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your Credit Card Agreement. Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your Credit Card Agreement. Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your Credit Card Agreement. Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your Credit Card Agreement. Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your Credit Card Agreement. Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your Credit Card Agreement. Payme Payme
   Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your Credit Card Agreement. Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your Credit Card Agreement. by a person other than the Cardholder (a) who does not have actual, implied  by a person other than the Cardholder (a) who does not have actual, implied  by a person other than the Cardholder (a) who does not have actual, implied  us in writing within 60 days of the mailing of each statement, the statement  us in writing within 60 days of the mailing of each statement, the statement  us in writing within 60 days of the mailing of each statement, the statement  substantially reduced due to an event either within or beyond your control.  substantially reduced due to an event either within or beyond your control.  substantially reduced due to an event either within or beyond your control.  to the jurisdiction of the State of New Jersey and that the exclusive venue for  to the jurisdiction of the State of New Jersey and that the exclusive venue for  to the jurisdiction of the State of New Jersey and that the exclusive venue for 
   Payme Payme Payme Payme Payme Payme Payme Payme               or apparent authority for such use, and (b) from which Cardholder receives 
   Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your Credit Card Agreement. Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your Credit Card Agreement. Late Payment fee between $25 and $35, based on whether it is the first or a subsequent occurrence. Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your Credit Card Agreement. Late Payment fee between $25 and $35, based on whether it is the first or a subsequent occurrence. Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your Credit Card Agreement. Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your Credit Card Agreement. Late Payment fee between $25 and $35, based on whether it is the first or a subsequent occurrence. by a person other than the Cardholder (a) who does not have actual, implied  by a person other than the Cardholder (a) who does not have actual, implied  by a person other than the Cardholder (a) who does not have actual, implied  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  by a person other than the Cardholder (a) who does not have actual, implied  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  or apparent authority for such use, and (b) from which Cardholder receives  will be deemed correct and accepted by you and all authorized users of the  us in writing within 60 days of the mailing of each statement, the statement  us in writing within 60 days of the mailing of each statement, the statement  will be deemed correct and accepted by you and all authorized users of the  will be deemed correct and accepted by you and all authorized users of the  us in writing within 60 days of the mailing of each statement, the statement  will be deemed correct and accepted by you and all authorized users of the  us in writing within 60 days of the mailing of each statement, the statement  us in writing within 60 days of the mailing of each statement, the statement  us in writing within 60 days of the mailing of each statement, the statement  Failure by Issuer to assert any rights hereunder shall not waive such rights.  Failure by Issuer to assert any rights hereunder shall not waive such rights.  Failure by Issuer to assert any rights hereunder shall not waive such rights.  substantially reduced due to an event either within or beyond your control.  substantially reduced due to an event either within or beyond your control.  Failure by Issuer to assert any rights hereunder shall not waive such rights.  substantially reduced due to an event either within or beyond your control.  substantially reduced due to an event either within or beyond your control.  substantially reduced due to an event either within or beyond your control.  Surrender Rules: Each Card is the property of FRFCU is not transferable  Surrender Rules: Each Card is the property of FRFCU is not transferable  Surrender Rules: Each Card is the property of FRFCU is not transferable  Surrender Rules: Each Card is the property of FRFCU is not transferable  any action or dispute shall be in the courts of Somerset County, New Jersey. any action or dispute shall be in the courts of Somerset County, New Jersey. any action or dispute shall be in the courts of Somerset County, New Jersey. to the jurisdiction of the State of New Jersey and that the exclusive venue for  to the jurisdiction of the State of New Jersey and that the exclusive venue for  to the jurisdiction of the State of New Jersey and that the exclusive venue for  any action or dispute shall be in the courts of Somerset County, New Jersey. to the jurisdiction of the State of New Jersey and that the exclusive venue for  to the jurisdiction of the State of New Jersey and that the exclusive venue for  substantially reduced due to an event either within or beyond your control.  to the jurisdiction of the State of New Jersey and that the exclusive venue for  Late Payment fee of $35 per occurrence for Business Card. Late Payment fee between $25 and $35, based on whether it is the ?rst or a subsequent occurrence. Late Payment fee of $35 per occurrence for Business Card. Late Payment fee between $25 and $35, based on whether it is the ?rst or a subsequent occurrence. Late Payment fee between $25 and $35, based on whether it is the ?rst or a subsequent occurrence.
   Late Payment fee between $25 and $35, based on whether it is the ?rst or a subsequent occurrence. Late Payment fee between $25 and $35, based on whether it is the ?rst or a subsequent occurrence. Late Payment fee between $25 and $35, based on whether it is the ?rst or a subsequent occurrence. Late Payment fee between $25 and $35, based on whether it is the ?rst or a subsequent occurrence. Late Payment fee between $25 and $35, based on whether it is the ?rst or a subsequent occurrence. Late Payment fee of $35 per occurrence for Business Card. Late Payment fee of $35 per occurrence for Business Card. Late Payment fee between $25 and $35, based on whether it is the first or a subsequent occurrence.
 Late Payment fee between $25 and $35, based on whether it is the first or a subsequent occurrence. Late Payment fee of $35 per occurrence for Business Card. Late Payment fee between $25 and $35, based on whether it is the first or a subsequent occurrence. Late Payment fee between $25 and $35, based on whether it is the first or a subsequent occurrence. Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your Credit Card Agreement. Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your Credit Card Agreement. Late Payment fee between $25 and $35, based on whether it is the first or a subsequent occurrence. Late Payment fee between $25 and $35, based on whether it is the first or a subsequent occurrence. Late Payment fee between $25 and $35, based on whether it is the first or a subsequent occurrence. Late Payment fee between $25 and $35, based on whether it is the first or a subsequent occurrence. Late Payment fee of $35 per occurrence for Business Card. Late Payment fee of $35 per occurrence for Business Card. Late Payment fee of $35 per occurrence for Business Card. or apparent authority for such use, and (b) from which Cardholder receives  or apparent authority for such use, and (b) from which Cardholder receives  or apparent authority for such use, and (b) from which Cardholder receives  will be deemed correct and accepted by you and all authorized users of the  will be deemed correct and accepted by you and all authorized users of the  will be deemed correct and accepted by you and all authorized users of the  When you are in default, the Issuer may demand immediate payment of  Failure by Issuer to assert any rights hereunder shall not waive such rights.  Failure by Issuer to assert any rights hereunder shall not waive such rights.  Failure by Issuer to assert any rights hereunder shall not waive such rights.  Surrender Rules: Each Card is the property of FRFCU is not transferable  and must be surrendered upon demand. The card can be cancelled as well  Surrender Rules: Each Card is the property of FRFCU is not transferable  Surrender Rules: Each Card is the property of FRFCU is not transferable  any action or dispute shall be in the courts of Somerset County, New Jersey. any action or dispute shall be in the courts of Somerset County, New Jersey. any action or dispute shall be in the courts of Somerset County, New Jersey.
 Returned Payment fee is $30. Late Payment fee of $35 per occurrence for Business Card. Late Payment fee of $35 per occurrence for Business Card.                                                  Final Agreement / No Waiver: This Disclosure and Agreement is  Final Agreement / No Waiver: This Disclosure and Agreement is  Final Agreement / No Waiver: This Disclosure and Agreement is  Final Agreement / No Waiver: This Disclosure and Agreement is 
   Returned Payment fee is $30. Late Payment fee of $35 per occurrence for Business Card. Late Payment fee of $35 per occurrence for Business Card. Late Payment fee of $35 per occurrence for Business Card. Returned Payment fee is $30. Late Payment fee of $35 per occurrence for Business Card. Late Payment fee of $35 per occurrence for Business Card.
   Late Payment fee of $35 per occurrence for Business Card. Returned Payment fee is $30. Late Payment fee of $35 per occurrence for Business Card. Late Payment fee between $25 and $35, based on whether it is the first or a subsequent occurrence. Late Payment fee between $25 and $35, based on whether it is the first or a subsequent occurrence. Late Payment fee between $25 and $35, based on whether it is the first or a subsequent occurrence. Late Payment fee between $25 and $35, based on whether it is the first or a subsequent occurrence. Late Payment fee between $25 and $35, based on whether it is the first or a subsequent occurrence. no bene?t. Additionally, Cardholder shall be jointly and severally liable and  no bene?t. Additionally, Cardholder shall be jointly and severally liable and  or apparent authority for such use, and (b) from which Cardholder receives  no bene?t. Additionally, Cardholder shall be jointly and severally liable and  or apparent authority for such use, and (b) from which Cardholder receives  or apparent authority for such use, and (b) from which Cardholder receives  no bene?t. Additionally, Cardholder shall be jointly and severally liable and  or apparent authority for such use, and (b) from which Cardholder receives  or apparent authority for such use, and (b) from which Cardholder receives  Account. Account. will be deemed correct and accepted by you and all authorized users of the  will be deemed correct and accepted by you and all authorized users of the  Account. will be deemed correct and accepted by you and all authorized users of the  Account. will be deemed correct and accepted by you and all authorized users of the  will be deemed correct and accepted by you and all authorized users of the  Failure by Issuer to assert any rights hereunder shall not waive such rights.  When you are in default, the Issuer may demand immediate payment of  Failure by Issuer to assert any rights hereunder shall not waive such rights.  Failure by Issuer to assert any rights hereunder shall not waive such rights.  When you are in default, the Issuer may demand immediate payment of  When you are in default, the Issuer may demand immediate payment of  Failure by Issuer to assert any rights hereunder shall not waive such rights.  Failure by Issuer to assert any rights hereunder shall not waive such rights.  Surrender Rules: Each Card is the property of FRFCU is not transferable  Surrender Rules: Each Card is the property of FRFCU is not transferable  Surrender Rules: Each Card is the property of FRFCU is not transferable  and must be surrendered upon demand. The card can be cancelled as well  Surrender Rules: Each Card is the property of FRFCU is not transferable  and must be surrendered upon demand. The card can be cancelled as well  and must be surrendered upon demand. The card can be cancelled as well  Surrender Rules: Each Card is the property of FRFCU is not transferable  any action or dispute shall be in the courts of Somerset County, New Jersey. any action or dispute shall be in the courts of Somerset County, New Jersey. any action or dispute shall be in the courts of Somerset County, New Jersey. any action or dispute shall be in the courts of Somerset County, New Jersey. any action or dispute shall be in the courts of Somerset County, New Jersey.
   Late Payment fee of $35 per occurrence for Business Card. Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your Credit Card Agreement. Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your Credit Card Agreement. Late Payment fee of $35 per occurrence for Business Card. Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your Credit Card Agreement. Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your Credit Card Agreement. Late Payment fee between $25 and $35, based on whether it is the first or a subsequent occurrence. Late Payment fee between $25 and $35, based on whether it is the first or a subsequent occurrence. Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your Credit Card Agreement. Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your Credit Card Agreement. Late Payment fee of $35 per occurrence for Business Card. Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your Credit Card Agreement. Billing Rights: Information on your rights to dispute transactions and how to exercise your rights is provided in your Credit Card Agreement.
 Returned Payment fee is $30. Late Payment fee of $35 per occurrence for Business Card. Late Payment fee of $35 per occurrence for Business Card. or apparent authority for such use, and (b) from which Cardholder receives  will be deemed correct and accepted by you and all authorized users of the  Failure by Issuer to assert any rights hereunder shall not waive such rights.  Surrender Rules: Each Card is the property of FRFCU is not transferable  any action or dispute shall be in the courts of Somerset County, New Jersey.
   Late Payment fee of $35 per occurrence for Business Card. Late Payment fee of $35 per occurrence for Business Card.
 Returned Payment fee is $30. Returned Payment fee is $30. Returned Payment fee is $30. Late Payment fee of $35 per occurrence for Business Card. Returned Payment fee is $30. Late Payment fee of $35 per occurrence for Business Card. Late Payment fee of $35 per occurrence for Business Card. Returned Payment fee is $30. Late Payment fee of $35 per occurrence for Business Card. Late Payment fee of $35 per occurrence for Business Card. Returned Payment fee is $30. no bene?t. Additionally, Cardholder shall be jointly and severally liable and  no bene?t. Additionally, Cardholder shall be jointly and severally liable and  no bene?t. Additionally, Cardholder shall be jointly and severally liable and  Account. Account. Account. When you are in default, the Issuer may demand immediate payment of  When you are in default, the Issuer may demand immediate payment of  When you are in default, the Issuer may demand immediate payment of  and must be surrendered upon demand. The card can be cancelled as well  and must be surrendered upon demand. The card can be cancelled as well  and must be surrendered upon demand. The card can be cancelled as well  Final Agreement / No Waiver: This Disclosure and Agreement is  Final Agreement / No Waiver: This Disclosure and Agreement is  Final Agreement / No Waiver: This Disclosure and Agreement is 
   Late Payment fee between $25 and $35, based on whether it is the first or a subsequent occurrence. Late Payment fee between $25 and $35, based on whether it is the first or a subsequent occurrence. Late Payment fee between $25 and $35, based on whether it is the first or a subsequent occurrence. Late Payment fee between $25 and $35, based on whether it is the first or a subsequent occurrence. Late Payment fee between $25 and $35, based on whether it is the first or a subsequent occurrence. Late Payment fee between $25 and $35, based on whether it is the first or a subsequent occurrence. Late Payment fee between $25 and $35, based on whether it is the first or a subsequent occurrence. Returned Payment fee is $30. and must be surrendered upon demand. The card can be cancelled as well  and must be surrendered upon demand. The card can be cancelled as well  and must be surrendered upon demand. The card can be cancelled as well  and must be surrendered upon demand. The card can be cancelled as well  and must be surrendered upon demand. The card can be cancelled as well  Final Agreement / No Waiver: This Disclosure and Agreement is  Final Agreement / No Waiver: This Disclosure and Agreement is  Final Agreement / No Waiver: This Disclosure and Agreement is  Final Agreement / No Waiver: This Disclosure and Agreement is  Final Agreement / No Waiver: This Disclosure and Agreement is 
 Returned Payment fee is $30. Returned Payment fee is $30. Returned Payment fee is $30. Returned Payment fee is $30. Returned Payment fee is $30. Returned Payment fee is $30. Returned Payment fee is $30. Late Payment fee of $35 per occurrence for Business Card. Returned Payment fee is $30. Returned Payment fee is $30. Late Payment fee of $35 per occurrence for Business Card. Returned Payment fee is $30. Late Payment fee between $25 and $35, based on whether it is the first or a subsequent occurrence. no bene?t. Additionally, Cardholder shall be jointly and severally liable and  no bene?t. Additionally, Cardholder shall be jointly and severally liable and  no bene?t. Additionally, Cardholder shall be jointly and severally liable and  no bene?t. Additionally, Cardholder shall be jointly and severally liable and  no bene?t. Additionally, Cardholder shall be jointly and severally liable and  no bene?t. Additionally, Cardholder shall be jointly and severally liable and  Page 2
   Returned Payment fee is $30. Returned Payment fee is $30.                                Page 2 Page 2 Page 2 Account. Account. Account. Account. Account. Account. When you are in default, the Issuer may demand immediate payment of  When you are in default, the Issuer may demand immediate payment of  When you are in default, the Issuer may demand immediate payment of  When you are in default, the Issuer may demand immediate payment of  When you are in default, the Issuer may demand immediate payment of  When you are in default, the Issuer may demand immediate payment of 
                                                                                                                          Page 3 Page 3 Page 3 Page 3     Page 4 Page 4 Page 4 Page 4 and must be surrendered upon demand. The card can be cancelled as well  Page 5 Page 5 Page 5 Page 5 Page 6 Page 6 Page 6 Page 6
   Late Payment fee of $35 per occurrence for Business Card. Late Payment fee of $35 per occurrence for Business Card. Late Payment fee of $35 per occurrence for Business Card. Late Payment fee of $35 per occurrence for Business Card. Returned Payment fee is $30. Late Payment fee of $35 per occurrence for Business Card. Late Payment fee of $35 per occurrence for Business Card. Late Payment fee of $35 per occurrence for Business Card. Returned Payment fee is $30. Late Payment fee of $35 per occurrence for Business Card. Returned Payment fee is $30. Returned Payment fee is $30. Returned Payment fee is $30. Returned Payment fee is $30. Returned Payment fee is $30. Page 2 Page 2 Page 2
   * Visa Signature and Visa Platinum only       **Visa Signature, Visa Platinum, and Visa Secured only       ***Visa Business Cards only Page 2 Page 2 Page 2 Page 2 Page 2 Page 3 Page 3 Page 3 Page 4 Page 4 Page 4 Page 5 Page 5 Page 5 Page 6 Page 6 Page 6
                                                                                            Page 2                            Page 3 Page 3 Page 3 Page 3 Page 3 Page 3
                                                                                                                                                              Page 4 Page 4 Page 4 Page 4 Page 4 Page 4 Page 5 Page 5 Page 5 Page 5 Page 5
   Returned Payment fee is $30. Returned Payment fee is $30. Returned Payment fee is $30. Returned Payment fee is $30. Returned Payment fee is $30. Returned Payment fee is $30. Returned Payment fee is $30. Returned Payment fee is $30. Page 5 Page 6 Page 6 Page 6 Page 6 Page 6 Page 6