P.O. Box 419001 
Melbourne, FL 32941-9001 
(321) 752-2222  FAX (321) 729-8161 

CREDIT CARD ACCOUNT AGREEMENT 
AND FEDERAL DISCLOSURE STATEMENT 

THIS  IS  YOUR  CREDIT  CARD  AGREEMENT  AND  DISCLOSURE  CONTAINING  NECESSARY  FEDERAL 
TRUTH-IN-LENDING  DISCLOSURE  STATEMENTS,  AND  ANY  SPECIAL  INSTRUCTIONS  REGARDING  THE 
USE OF YOUR VISA PLATINUM, SAVINGS SECURED VISA PLATINUM, STUDENT VISA PLATINUM CREDIT 
BUILDER, OR BUSINESS PLATINUM VISA CREDIT CARD. PLEASE BE SURE TO READ THIS AGREEMENT 

CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR. 

Interest Rate and Interest Charges 

Annual Percentage Rate (APR) 
For Purchases  

VISA Platinum: 0.00% introductory APR for 6 months. 
  After that, Your APR will be _______%. 

Savings Secured VISA Platinum: 5.99% introductory APR for 6 months. 

  After that, Your APR will be _______%. 

Student VISA Platinum Credit Builder: 5.99% introductory APR for 6 months. 

  After that, Your APR will be _______%. 

Business Platinum VISA: 0.00% introductory APR for 6 months. 

After  that,  Your  APR  will  be _______%.  This  APR  will  vary  with  the  market 
based on the Prime Rate. 

Annual Percentage Rate (APR) 
For Balance Transfers 

VISA Platinum: 0.00% introductory APR for 6 months [except for transfers of Credit Card 
balances previously owed to Us]. 

  After that, Your APR will be _______%. 

Savings  Secured  VISA  Platinum:  5.99%  introductory  APR  for  6  months  [except  for 
transfers of Credit Card balances previously owed to Us]. 

  After that, Your APR will be _______%. 

Student  VISA  Platinum  Credit  Builder:  5.99%  introductory  APR  for  6  months  [except  for 
transfers of Credit Card balances previously owed to Us]. 

  After that, Your APR will be _______%. 

Business  Platinum  VISA:  0.00%  introductory  APR  for  6  months  [except  for  transfers  of 
Credit Card balances previously owed to Us]. 

  After that, Your APR will be _______%. This APR will vary with the market based on 
  the Prime Rate. 

Annual Percentage Rate (APR) 
For Cash Advances 

VISA Platinum: 0.00% introductory APR for 6 months. 

  After that, Your APR will be _______%. 

Savings Secured VISA Platinum: 5.99% introductory APR for 6 months. 

  After that, Your APR will be _______%. 

Student VISA Platinum Credit Builder: 5.99% introductory APR for 6 months. 

  After that, Your APR will be _______%. 

Business Platinum VISA: 0.00% introductory APR for 6 months. 

  After that, Your APR will be _______%. This APR will vary with the market based on 
the Prime Rate. 

Paying Interest 

We will not charge You interest on purchases if You pay Your entire balance owed each 
month within 25 days of Your statement closing date. We will begin charging interest on 
cash advances and balance transfers on the transaction date. 

Minimum Interest Charge 

If You are charged interest, the charge will be no less than $0.50. 

For Credit Card Tips from the 
Consumer Financial 
Protection Bureau 

To learn more about factors to consider when applying for or using a Credit 
Card, visit the website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore. 

SEE TOP OF PAGE 2 for more important information about Your Account. 

Copyright Oak Tree Business Systems, Inc., 2013-2014. All Rights Reserved. 

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Fees 

Transaction Fees 

  Foreign Transaction 

1.00% of each foreign currency transaction in U.S. dollars. 
0.80% of each U.S. Dollar transaction that occurs in foreign country. 

Penalty Fees 

  Late Payment 
  Returned Payment 

Up to $30.00  
Up to $30.00 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See Your 
Account Agreement for details. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in Your Account 
Agreement.  

SEE PAGE 1 for more important information about Your Account. 

In  this  Agreement,  the  reference  to "We,"  "Us,"  "Our"  and  "Credit  Union"  mean  SPACE  COAST  CREDIT  UNION.  The  words  "You"  and  "Your"  mean  each  person  who 
accepts  this  Agreement  or  uses  the  VISA  Platinum,  Savings  Secured  VISA  Platinum,  Student  VISA  Platinum  Credit  Builder  or  Business  Platinum  VISA  Credit  Card. 
"Account" means the VISA Platinum, Savings Secured VISA Platinum, Student VISA Platinum Credit Builder or Business Platinum VISA Credit Card Account established 
for You. The words “Credit Card” or “Card” mean any VISA Platinum, Savings Secured VISA Platinum, Student VISA Platinum Credit Builder or Business Platinum VISA 
Credit Cards issued to You by Us and any duplicates or renewals We may issue. Whenever used in this Agreement, the word "Shares" means any Shares or other funds 
on deposit with Us. 

Variable Rate 

Index 

Margin 

Type of Credit Card 

VISA Platinum 

Savings Secured VISA Platinum 

Student VISA Platinum Credit Builder 

Current 
Monthly Periodic 
Rate 

Current 
Annual Percentage 
Rate 

______________% 

______________% 

______________% 

______________% 

______________% 

______________% 

Business Platinum VISA 

___________ 

___________ 

______________% 

______________% 

Copyright Oak Tree Business Systems, Inc., 2013-2014. All Rights Reserved. 

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You understand the following terms constitute the Agreement: 

PROMISE TO PAY. Your Account may be accessible through a variety of means 
which  could  include  advance  request  forms,  vouchers,  checks,  charge  slips, 
Credit  Cards,  Convenience  Checks  and  the  like.  Regardless  of  the  access 
means, You promise to pay Us all amounts charged to Your Account by You or 
by  any  user  who  has  access  to  Your  Account,  with  actual,  apparent  or  implied 
authority for use  of Your  Account, including  Finance  Charges and  other fees or 
charges described herein. 

JOINT ACCOUNTS. Each Cardholder will be responsible, jointly and severally, for 
the repayment of amounts owed. You understand that any Card which is requested 
and  approved,  will  be  mailed  only  to  the  primary  Cardholder  at  the  address 
indicated  on  the  application.  We  may  refuse  to  follow  any  instructions  which  run 
counter to this provision.  

OWNERSHIP. All access devices remain Our property and may be canceled by Us 
at any time without notice. You agree to surrender any such access device and to 
discontinue its use immediately upon Our request. 

USE OF YOUR CARD. You may use Your Card to buy goods and services in any 
place  that  it  is  honored  and  to  get  cash  advances  from  Us  or  another  financial 
institution.  If  You  are  issued  a  cash  advance  draft,  it  will  be  imprinted  with  Your 
Card and You will receive a copy of the draft. You agree not to use Your Card for 
illegal transactions including, but not limited to, advances made for the purpose of 
gambling and/or wagering where such practices are in violation of applicable state 
and/or federal law. 

ISSUANCE  OF  PERSONAL  IDENTIFICATION  NUMBER.  We  will  issue  You  a 
Personal Identification Number (PIN) for use with Your Card. This PIN is confidential 
and  should  not  be  disclosed  to  anyone.  You  may  use  Your  PIN  and  Your  Card  to 
access  Your  Account  and  all sums advanced  will  be  added  to  Your  balance. In  the 
event  a  use  of  Your  PIN  constitutes  an  Electronic  Fund  Transfer,  the  terms  and 
conditions of Your Electronic Fund Transfer Agreement may affect Your rights. 

LINE OF CREDIT LIMIT. If Your application for a Card is approved, You will be 
notified  of  Your  specific  Credit  Limit(s)  for  transactions  made  under  Your 
Account.  Unless  You  are  in  default,  Your  Credit  Limit  will  generally  be  self-
replenishing as You make payments on Your Account. You will keep Your unpaid 
balance  within  Your  Credit  Limit and  You  will  pay  any  amount  over Your  Credit 
Limit  on  Our  demand  whether  or  not  We  authorize  the  advance  which  caused 
You to exceed Your Credit Limit. Even if Your unpaid balance is less than Your 
Credit Limit, You will have no credit available during any time that any aspect of 
Your Account is in default.  

FINANCE  CHARGES.  In  the  case  of  any  transactions  on  Your  Account,  the 
balances  subject  to  the  periodic  Finance  Charge  are  the  average  daily 
transactions balances  outstanding during  the month (new  and  previous).  To get 
the average daily balance, We take the beginning balance of Your Account each 
day,  add  any  new  purchases,  cash  advances,  insurance  premiums,  debit 
adjustments  or  other  charges  and  subtract  any  payments,  credits  and  unpaid 
Finance Charges. This gives Us the daily balance. Then, We add up all the daily 
balances for the billing cycle and divide them by the number of days in the billing 
cycle.  The  Finance  Charge  for  a  billing  cycle  is  computed  by  multiplying  the 
average daily balance subject to a Finance Charge by the Monthly Periodic Rate. 
You can  avoid  Finance  Charges  on  purchases  by  paying  the full amount  of  the 
entire  balance  owed  each  month  within  25  days  from  Your  statement  closing 
date. Otherwise, the new balance of purchases, and subsequent purchases from 
the  date they  are  posted  to  Your Account,  will  be subject  to  a  Finance  Charge. 
Cash advances (including Convenience Checks) are always subject to a Finance 
Charge from the date they are posted to Your Account and until such advances 
are  paid  in  full.  The  minimum  FINANCE  CHARGE  that  You  will  be  required  to 
pay in any billing cycle that a Finance Charge is due is $0.50. 

For VISA Platinum (except for transfers of Credit Card balances previously owed to 
Us), Your Account will be subject to an Introductory Rate for six consecutive billing 
cycles  immediately  following  the  date  Your  Account  is  established,  during  which 
time  the  Monthly  Periodic  Rate  that  will  apply  to  Your  Account  is  0.0000% 
(corresponding ANNUAL PERCENTAGE RATE 0.00%). Upon the expiration of the 
Introductory  Rate  period,  the  Monthly  Periodic  Rate  and  corresponding  Annual 
Percentage Rate applicable to Your balance existing at that time and in the future 
will increase to the non-introductory rate disclosed in this Agreement. 

For  Savings  Secured  VISA  Platinum  (except  for  transfers  of  Credit  Card 
balances previously owed to Us), Your Account will be subject to an Introductory 
Rate  for  six  consecutive  billing  cycles  immediately  following  the  date  Your 
Account  is  established,  during  which  time  the  Monthly  Periodic  Rate  that  will 
apply  to  Your  Account  is  0.4992%  (corresponding  ANNUAL  PERCENTAGE 
RATE  5.99%).  Upon the  expiration  of the Introductory  Rate period, the  Monthly 
Periodic  Rate  and  corresponding  Annual  Percentage  Rate  applicable  to  Your 

balance  existing  at  that  time  and  in  the  future  will  increase  to  the  non-
introductory rate disclosed in this Agreement. 

For  Student  VISA  Platinum  Credit  Builder  (except  for  transfers  of  Credit  Card 
balances previously owed to Us), Your Account will be subject to an Introductory 
Rate  for  six  consecutive  billing  cycles  immediately  following  the  date  Your 
Account  is  established,  during  which  time  the  Monthly  Periodic  Rate  that  will 
apply  to  Your  Account  is  0.4992%  (corresponding  ANNUAL  PERCENTAGE 
RATE  5.99%).  Upon the  expiration  of the Introductory  Rate period, the  Monthly 
Periodic  Rate  and  corresponding  Annual  Percentage  Rate  applicable  to  Your 
balance  existing  at  that  time  and  in  the  future  will  increase  to  the  non-
introductory rate disclosed in this Agreement. 

For Business VISA Platinum (except for transfers of Credit Card balances previously 
owed to Us), Your Account will be subject to an Introductory Rate for six consecutive 
billing cycles immediately following the date Your Account is established, during which 
time  the  Monthly  Periodic  Rate  that  will  apply  to  Your  Account  is  0.0000% 
(corresponding  ANNUAL  PERCENTAGE  RATE  0.00%).  Upon  the  expiration  of the 
Introductory  Rate  period,  the  Monthly  Periodic  Rate  and  corresponding  Annual 
Percentage Rate applicable to Your balance existing at that time and in the future will 
increase to the non-introductory rate disclosed in this Agreement. 

BUSINESS  PLATINUM  VISA  VARIABLE  RATE.  Upon  the  expiration  of  the 
introductory  rate  period,  all  balances  existing  at that time  and  in  the future  will  be 
subject to a Variable Rate which is based on the highest Prime Rate as published 
in the Money Rates Section of The Wall Street Journal in effect on the last day of 
each billing cycle ("Index") plus Our Margin. The Index plus the Margin equals the 
Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 
1st  day  of  the  billing  cycle  that  immediately  follows  a  change  in  the  Index. 
Increases  or  decreases  in  the  Interest  Rate  will  result  in  like  increases  or 
decreases  in  the  Finance  Charge  and  may  affect  the  number  of  Your  scheduled 
payments.  Your  Interest  Rate  will  never  be  greater  than  that  which  is  permitted 
under applicable state law, and will apply to the remaining principal balance. 

OVERDRAFT PROTECTION. We may transfer funds in multiples of $100.00 (or in 
such  increments  as  We  may  from  time  to  time  determine)  to  Your  share  draft 
account  by  an  advance  on  Your  Account,  subject  to  this  provision  and  any  other 
preferences You have indicated to Us, to clear any Overdraft on Your share draft 
account. Whether or not such transfers occur will be controlled by this Agreement. 
In any event, You hold Us harmless for any and all liability which might otherwise 
arise if the transfer does not occur. Overdraft Protection automatically ceases if this 
Agreement is ever canceled or terminated or Your Account is in default. 

MINIMUM  MONTHLY  PAYMENT.  Though  You  need  only  pay  the  Minimum 
Monthly Payments, You understand that You have the right to repay Your balance 
or  make  larger  payments  at  any  time  without  penalty.  You  will  only  be  charged 
periodic  Finance  Charges  to  the  date  You  repay  Your  entire  balance.  Any  partial 
payment or prepayment will not delay Your next scheduled payment. All payments 
to Us must be in lawful money of the United States. As permitted by law, the order 
in  which  We  apply  Your  payments  will  be  determined  at  Our  discretion.  You 
understand  that  any  payment  that  delays  the  repayment  of  Your  unpaid  balance 
will increase Your Finance Charge and any payment that accelerates the reduction 
of Your unpaid balance will decrease Your Finance Charges. 

Minimum  Monthly  Payments  will  be  an  amount  equal  to  3.00%  of  Your  unpaid 
Account balance, subject to the lesser of $10.00 or Your Account balance. In addition 
to  the  Minimum  Monthly  Payment,  You  will  also  be  required  to  pay  any  prior 
payments due which remain unpaid and any amounts which exceed Your Credit Limit. 

LIEN  ON  SHARES.  If  You  have  been  issued  a  Credit  Card,  You  grant  and 
consent to a lien on Your shares and deposits with Us (except for IRA and 
Keogh accounts) and any dividends and interest due or to become due to 
You from Us to the extent You owe on any unpaid Credit Card balance. 

OTHER  SECURITY.  Collateral  (other  than  household  goods  or  any  dwelling) 
given as security under this Agreement or for any other loan You may have with 
Us  will  secure  all  amounts  You  owe  Us  now  and  in  the  future  if  that  status  is 
reflected  in  the  "Truth-in-Lending  Disclosure"  in  any  particular  Agreement 
evidencing such debt. 

PERIODIC STATEMENT. On a regular basis, You will receive a statement showing 
all transactions on Your Account including amounts paid and borrowed since Your 
last statement. We will provide You a statement each billing cycle in which there is 
a debit or credit balance or when a Finance Charge is imposed. We need not send 
You  a  statement  if  We  feel  Your  Account  is  uncollectible  or  if  We  have  started 
collection  proceedings  against  You  because  You  defaulted.  Each  statement  is 
deemed  to  be  a  correct  statement  of  account  unless  You  establish  a  billing  error 
pursuant to the Federal Truth-In-Lending Act. 

Copyright Oak Tree Business Systems, Inc., 2013-2014. All Rights Reserved. 

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OUR  RESPONSIBILITIES  TO  HONOR  CONVENIENCE  CHECKS. We are  under 
no obligation to honor Your Convenience Checks if: (1) by paying a Convenience 
Check,  You  would  exceed  Your  Credit  Limit;  (2)  Your  Cards  or  Convenience 
Checks have been reported lost or stolen; (3) Your Account has been canceled or 
has expired; and (4) a Convenience Check is used for payment on this or any other 
loan You may have  with Us. If a postdated Convenience Check is paid and, as a 
result,  any  other  Convenience  Check  is  returned  unpaid,  We  are  not  responsible 
for any resulting loss or liability. 

TRANSACTION  SLIPS.  Your  periodic  statement  will  identify  the  merchant, 
electronic  terminal  or  financial  institution  at  which  transactions  were  made,  but 
sales, cash advances, credit or other slips will not be returned with the statement. 
You  will  retain  the  copy  of  such  slips  furnished  at  the  time  of  the  transaction  in 
order to verify Your monthly statement. 

CREDITS.  If  a  merchant  who  honors  Your  Card  gives  You  credit  for  returns  or 
adjustments, the merchant will do so by sending Us a slip which will be posted to 
Your Account. If Your credits and payments exceed what You owe Us, We will hold 
and apply this credit against future purchases and cash advances, or if it is $1.00 
or more, refund it on Your written request or automatically deposit it to Your share 
account within six months. 

LATE  CHARGE.  If  Your  payment  is  not  received  by  the  last  day  of  the  calendar 
month in  which Your payment is scheduled, You will be charged the lesser of: (a) 
the amount of the minimum payment due; or (b) $30.00. 

OTHER  FEES  AND  CHARGES.  You  agree  to  pay  Us  the  following  fees  and 
charges  associated  with  the  use  of  Your  Card:  (a)  the  lesser  of  $30.00  or  the 
required  minimum  payment  amount  for  the  returned  payment  for  any  check  (or 
other  negotiable  instrument  used  for  payment  on  Your  Account)  that  is  returned 
unpaid;  (b)  $15.00  for  Priority  Card  Issuance;  and  (c)  a  copy  request  charge  of 
$2.00 per sales draft and $12.00 per original sales draft. 

DEFAULT. You will be in default if: (a) You do not make any payment or perform 
any  obligation  under  this  Agreement,  or  any  other  agreement  that  You  may  have 
with Us; or (b) You should die, become involved in any insolvency, receivership or 
custodial proceeding  brought  by  or against You;  or  (c) You  have made  a  false  or 
misleading  statement  in  Your  credit  application  and/or  in  Your  representations  to 
Us while You owe money on Your Account; or (d) A judgment or tax lien should be 
filed against You or any attachment or garnishment should be issued against any of 
Your  property  or  rights,  specifically  including  anyone  starting  an  action  or 
proceeding to seize any of Your funds on deposit with Us; and/or (e) We should, in 
good  faith,  believe  Your  ability  to  repay  Your  indebtedness  hereunder  is  or  soon 
will be impaired, time being of the very essence. 

If  You  are  in  default,  We  may,  without  notice  or  demand,  and  to  the  extent 
permitted  by  law,  cancel  Your  rights  under  this  Agreement,  declare  the  entire 
unpaid  balance  immediately  due  and  payable  and  require  the  return  of  all  Cards 
and other Account Access devices.  

In the event of default, suit, and judgment against You, We have the right to attach 
or garnishee wages.  

WAIVER  OF  GARNISHMENT  PROTECTION.  To  the  extent  permitted  by 
applicable law,  You  expressly  waive  any  limitation  on  Our  right  to  attach  or 
garnishee Your disposable earnings as described in FL ST § 222.11(2)(a), as 
evidenced by the separate Waiver of Garnishment Protection document You 
have  signed  in  connection  with  this  Agreement  pursuant  to  FL  ST  § 
222.11(2)(b)  (the  “Waiver”).  You  acknowledge  and  agree  that  the  Waiver  is 
attached to and is hereby made a part of this Agreement.  You acknowledge, 
understand  and  agree  that  by  executing  the  Waiver  You  give  up  the  limited 
protection  from  attachment  or  garnishment  that  would  otherwise  apply  to 
your disposable earnings under FL ST § 222.11. 

WAIVER OF JURY TRIAL. Lender and Borrower hereby knowingly, voluntarily and 
intentionally  waive  the  right  they  may  have  to  a  trial  by  jury  in  respect  to  any 
litigation  arising  out  of,  under,  or  in connection  with  this  Agreement  including,  but 
not  limited  to,  that  which  may  relate  to  ancillary  documentation  related  to  this 
Agreement,  any  course  of  conduct,  dealing,  statements  (oral  and/or  written),  or 
actions  of  any  party  hereto.  You  understand  that  this  provision  is  a  material 
inducement for Our entering into this Agreement with You.  

COLLECTION COSTS. To the extent permitted by law, You  will reimburse Us for 
all of Our costs and expenses, including reasonable attorneys’ fees incurred in the 
course of collecting any amounts owed under this Agreement or for the recovery of 
any collateral. 

CREDIT INSURANCE. Credit insurance is not required for any extension of credit 
under this Agreement. However, You may purchase any credit insurance available 
through  Us  and  have  the  premiums  added  to  the  outstanding  balance  of  Your 
Account.  If  You  elect  to  do  so,  You  will  be  given  the  necessary  disclosures  and 

documents  separately.  Any  credit  insurance  premiums  will  be  charged  to  Your 
Account as a purchase. 

ENFORCEMENT. We do not lose Our rights under this or any related agreement if 
We delay enforcing them. We can accept late payments, partial payments, or any 
other  payments,  even  if  they  are  marked  "paid  in  full"  without  losing  any  of  Our 
rights  under  this  Agreement.  If  any  provision  of  this  or  any  related  agreement  is 
determined  to  be  unenforceable  or  invalid,  all other  provisions  remain  in  full force 
and effect. 

UNAUTHORIZED  USE.  For  Accounts  issued  for  personal,  family  or  household 
purposes, You may be liable for the unauthorized use of Your Card. You will not 
be  liable  for  the  unauthorized  use  that  occurs  after  You  notify  Us  of  the  loss, 
theft, or possible unauthorized use by calling Us during business hours at (321) 
752-2222  or  (800)  447-7228  or  (800)  543-5073  after  hours,  on  weekends  or 
holidays or write to Us at the address shown in this Agreement to notify Us of the 
loss,  theft,  or  possible  unauthorized  use.  In  any  case,  Your  liability  will  not 
exceed $50.00. 

For business Accounts, if We have issued You less than 10 Cards for the use of 
Your employees,  You may be  liable  for  the  unauthorized  use  of  Your  Card.  You 
will  not  be  liable  for  the  unauthorized  use  that  occurs  after  You  notify  Us  of  the 
loss,  theft,  or  possible  unauthorized  use  by  calling  Us  during  business  hours  at 
the telephone number shown in this Agreement or by writing to Us at the address 
shown in this Agreement. In any case, Your liability will not exceed $50.00. 

For Business Accounts for which We have issued 10 or more Cards for the use of 
Your employees, You may be liable for the entire amount of unauthorized use. 

NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move 
or otherwise have a change of address.  

CHANGE  IN  TERMS. We may change the  terms  of this  Agreement  by  mailing  or 
delivering to You written notice of the changes as prescribed by the Federal Truth-
In-Lending Act. To the extent permitted by law, the right to change the terms of this 
Agreement  includes,  but  is  not  limited  to,  the  right  to  change  the  periodic  rate 
applicable to Your unpaid balance and/or future advances. 

REFUSAL  TO  HONOR  CARDS  OR  CONVENIENCE  CHECKS.  We  are  not 
liable for the refusal or inability of merchants, financial institutions and others to 
accept  the  Cards  or  Convenience  Checks,  or  electronic  terminals  to  honor  the 
Cards  or  complete  a  Card  withdrawal,  or  for  their  retention  of  the  Cards  or 
Convenience Checks. 

LOST  OR  STOLEN  CARDS,  ACCOUNT  NUMBERS  AND/OR  CONVENIENCE 
CHECKS. To report a lost or stolen Card, Convenience Check, Account Number or 
any  combination  thereof,  You  will  immediately  call  Us  during  business  hours  at 
(321) 752-2222 or (800) 447-7228 or (800) 543-5073 after hours, on weekends or 
holidays or write to Us at the address shown in this Agreement. 

FOREIGN  TRANSACTIONS.  For  transactions  initiated  in  foreign  countries  and 
foreign  currencies,  the  exchange  rate  between  the  transaction  currency  and  the 
billing currency (U.S. dollars) will be: (a) a rate selected by VISA from the range of 
rates available in wholesale currency markets for the applicable central processing 
date, which rate may vary from the rate VISA itself receives; or (b) the government-
mandated rate in effect for the applicable central processing date. For transactions 
that  are  initiated  in  a  foreign  currency,  You  will  be  charged  1.00%  of  the  final 
settlement  amount.  For  transactions  occurring  in  foreign  countries  and  initiated  in 
U.S. Dollars, You will be charged 0.80% of the final settlement amount. 

EFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other 
slips You may sign or receive when using the Card contain terms, this Agreement 
is the contract which solely applies to all transactions involving Your Account. 

CONSENT  TO  AGREEMENT.  You  acknowledge  receipt  of  a  copy  of  this 
Agreement. By signing the Application and Your Credit Card, by using the Card, by 
using  Your  Account  or  by  authorizing  another to  use Your Account,  You  agree to 
accept its terms. 

INTEGRATED  DOCUMENTS.  Any  separate  sheet  of  paper  labeled  "Additional 
Disclosure - Federal Truth-In-Lending Act" which is delivered to You and relates to 
this Agreement is an integrated part of this Agreement and Disclosure. 

MODIFICATION  OF  TERMS.  To  the  extent  permitted  by  law,  You  may  request 
and  We  may  agree  to  modify  the  terms  of  this  Agreement,  in  which  case  We  
may  charge  You  a  fee  to  effect  such  change.  In  that  event,  the  changed  
terms  and  applicable  fee  will  be  disclosed  to  You  at  that  time  in  a  separate 
modification agreement. 

TERMINATION.  Either  You  or  We  may  cancel  Your  Account  or  any  particular 
Feature Category of Your Account, at any time, whether or not You are in default. 

Copyright Oak Tree Business Systems, Inc., 2013-2014. All Rights Reserved. 

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You  will,  in  any  case,  remain  liable  to  pay  any  unpaid  balances  according  to  the 
terms of Your Account.  

While We investigate whether or not there has been an error: 

UPDATING  AND  DISCLOSING  FINANCIAL  INFORMATION.  You  will  provide 
facts  to  update  information  contained  in  Your  original  Account  application  or 
other  financial  information  related  to  You,  at  Our  request.  You  also  agree  that 
We may, from time to time, as We deem necessary, make inquiries pertaining to 
Your employment, credit standing and financial responsibility in accordance with 
applicable laws and regulations. You further agree that We may give information 
about  the  status  and  payment  history  of  Your  Account  to  consumer  credit 
reporting agencies, a prospective employer or insurer, a state or federal licensing 
agency  or  other  third  party  having  an  apparent  legitimate  business  need  for 
such information. 

GOVERNING LAW. This Agreement is controlled and governed by the laws of the 
State of Florida except to the extent that such laws are inconsistent with controlling 
federal law. 

Your Billing Rights: Keep this Document for Future Use 

This  notice  tells  You  about  Your  rights  and  Our  responsibilities  under  the  Fair 
Credit Billing Act. 

What To Do If You Find A Mistake On Your Statement 

If You think there is an error on Your statement, write to Us at Our address shown 
in this Agreement. In Your letter, give us the following information: 

 
 
 

Account information: Your name and Account number. 
Dollar amount: The dollar amount of the suspected error. 
Description  of  problem:  If  You  think  there  is  an  error  on  Your  bill,  describe 
what You believe is wrong and why You believe it is a mistake. 

You must contact Us: 

  Within 60 days after the error appeared on Your statement. 
 

At  least  three  business  days  before  an  automated  payment  is  scheduled,  if 
You want to stop payment on the amount You think is wrong. 

You must notify Us of any potential errors in writing. You may call Us, but if You do 
We  are  not  required  to  investigate  any  potential  errors  and You may  have to  pay 
the amount in question. 

What Will Happen After We Receive Your Letter 

When We receive Your letter, We must do two things: 

  We cannot try to collect the amount in question, or report You as delinquent 

 

on that amount. 
The charge in question may remain on Your statement, and We may continue 
to charge You interest on that amount. 

  While You do not have to pay the amount in question, You are responsible for 

the remainder of Your balance. 

  We can apply any unpaid amount against Your Credit Limit. 

After We finish Our investigation, one of two things will happen: 

 

 

If We made a mistake: You will not have to pay the amount in question or any 
interest or other fees related to that amount. 
If We do not believe there  was a mistake: You  will have to pay the amount in 
question, along with applicable interest and fees. We will send You a statement 
of the amount You owe and the date payment is due. We may then report You 
as delinquent if You do not pay the amount We think You owe. 

If You receive Our explanation but still believe Your bill is wrong, You must write to 
Us  within  10  days telling  Us that You still  refuse to  pay.  If You do so, We cannot 
report You as delinquent without also reporting that You are questioning Your bill. 
We must tell You the name of anyone to whom we reported You as delinquent, and 
We must let those organizations know  when the matter has been settled between 
Us.  If  We  do  not  follow  all  of  the  rules  above,  You  do  not  have  to  pay  the  first 
$50.00 of the amount You question even if Your bill is correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases 

If  You  are  dissatisfied  with  the  goods  or  services  that  You  have  purchased  with 
Your Credit Card, and You have tried in good faith to correct the problem with the 
merchant,  You  may  have  the  right  not  to  pay  the  remaining  amount  due  on  the 
purchase. To use this right, all of the following must be true: 

1)  The purchase must have been made in Your home state or within 100 miles 
of  Your  current  mailing  address,  and  the  purchase  price  must  have  been 
more  than  $50.00.  (Note:  Neither  of  these  are  necessary  if  Your  purchase 
was based on an advertisement We mailed to You, or if We own the company 
that sold You the goods or services.) 

2)  You must have used Your Credit Card for the purchase. Purchases made with 
cash advances from an ATM or with a check that accesses Your Credit Card 
account do not qualify. 

3)  You must not yet have fully paid for the purchase.  

If all of the criteria above are met and You are still dissatisfied with the purchase, 
contact Us in writing at Our address shown in this Agreement.  

1)  Within  30  days  of  receiving  Your  letter,  We  must  tell  You  that  We  received 
Your letter. We will also tell You if We have already corrected the error. 
2)  Within  90  days  of  receiving  Your  letter,  We  must  either  correct  the  error  or 

explain to You why We believe the bill is correct. 

While We investigate, the same rules apply to the disputed amount as discussed 
above.  After  We  finish  Our  investigation,  We  will  tell  You  Our  decision.  At  that 
point, if We think You owe an amount and You do not pay, We may report You 
as delinquent. 

Copyright Oak Tree Business Systems, Inc., 2013-2014. All Rights Reserved. 

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Rev. (11/14) 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
P.O. Box 419001 
Melbourne, FL 32941-9001 
(321) 752-2222  FAX (321) 729-8161 

PRICING INFORMATION ADDENDUM –  
CREDIT CARD ACCOUNT AGREEMENT 
AND FEDERAL DISCLOSURE STATEMENT 

THIS  IS  YOUR  ADDENDUM  THAT  CONTAINS  PRICING  INFORMATION  FOR  THE  VISA  PLATINUM, 
SAVINGS  SECURED  VISA  PLATINUM,  STUDENT  VISA  PLATINUM  CREDIT  BUILDER,  AND  BUSINESS 
PLATINUM  VISA  CREDIT  CARD.  PLEASE  BE  SURE  TO  READ  THIS  AGREEMENT  CAREFULLY  AND 
NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR. 

Interest Rate and Interest Charges 

Annual Percentage Rate (APR) 
For Purchases 

VISA Platinum: 0.00% introductory APR for 6 months. 

After  that,  Your  APR  will  be  10.99%  -  17.99%  depending  on  Your 
creditworthiness. 

Savings Secured VISA Platinum: 5.99% introductory APR for 6 months. 

After  that,  Your  APR  will  be  10.99%  -  17.99%  depending  on  Your 
creditworthiness. 

Student VISA Platinum Credit Builder: 5.99% introductory APR for 6 months. 

After  that,  Your  APR  will  be  10.99%  -  17.99%  depending  on  Your 
creditworthiness. 

Business Platinum VISA: 0.00% introductory APR for 6 months. 

After that, Your APR will be 7.24% - 21.25% depending on Your creditworthi-
ness. This APR will vary with the market based on the Prime Rate. 

Annual Percentage Rate (APR) 
For Balance Transfers 

VISA Platinum: 0.00%  introductory  APR for 6 months [except for transfers of Credit Card 
balances previously owed to Us]. 

After that, Your APR will be 10.99% - 17.99% depending on Your creditworthiness. 

Savings  Secured  VISA  Platinum:  5.99%  introductory  APR  for  6  months  [except  for 
transfers of Credit Card balances previously owed to Us]. 

After that, Your APR will be 10.99% - 17.99% depending on Your creditworthiness. 

Student  VISA  Platinum  Credit  Builder:  5.99%  introductory  APR  for  6  months  [except  for 
transfers of Credit Card balances previously owed to Us]. 

After that, Your APR will be 10.99% - 17.99% depending on Your creditworthiness. 

Business  Platinum  VISA:  0.00%  introductory  APR  for  6  months  [except  for  transfers  of 
Credit Card balances previously owed to Us]. 

After that, Your APR will be 7.24% - 21.25% depending on Your creditworthiness. This 
APR will vary with the market based on the Prime Rate. 

Annual Percentage Rate (APR) 
For Cash Advances 

VISA Platinum: 0.00% introductory APR for 6 months. 

After that, Your APR will be 10.99% - 17.99% depending on Your creditworthiness. 

Savings Secured VISA Platinum: 5.99% introductory APR for 6 months. 

After that, Your APR will be 10.99% - 17.99% depending on Your creditworthiness. 

Student VISA Platinum Credit Builder: 5.99% introductory APR for 6 months. 

After that, Your APR will be 10.99% - 17.99% depending on Your creditworthiness. 

Business Platinum VISA: 0.00% introductory APR for 6 months. 

After that, Your APR will be 7.24% - 21.25% depending on Your creditworthiness. This 
APR will vary with the market based on the Prime Rate. 

Paying Interest 

We will  not charge  You  interest on purchases  if  You  pay  Your entire balance owed  each 
month  within  25  days  of  Your  statement  closing  date. We  will  begin  charging  interest  on 
cash advances and balance transfers on the transaction date. 

Minimum Interest Charge 

If You are charged interest, the charge will be no less than $0.50. 

Copyright Oak Tree Business Systems, Inc., 2013-2014. All Rights Reserved. 

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SEE TOP OF PAGE 2 for more important information. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Fees 

Transaction Fees 

  Foreign Transaction 

1.00% of each foreign currency transaction in U.S. dollars. 
0.80% of each U.S. Dollar transaction that occurs in foreign country. 

Penalty Fees 

  Late Payment 
  Returned Payment 

Up to $30.00  
Up to $30.00 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases).” See Your 
Account Agreement for details. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in Your Account 
Agreement.  

SEE PAGE 1 for more important information. 

FINANCE  CHARGES.  In  the  case  of  any  transactions  on  Your  Account,  the  balances  subject  to  the  periodic  Finance  Charge  are  the  average  daily  tr ansactions 
balances outstanding during the month (new and previous). To get the average daily balance, We tak e the beginning balance of Your Account each day, add any new 
purchases, cash advances, insurance premiums, debit adjustments or other charges and subtract any payments, credits and unpai d Finance Charges. This gives Us the 
daily balance. Then, We add up all the daily balances for the billing cycle and divide them by the number of days in the billing cycle. The Finance Charge fo r a billing 
cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. Yo u can avoid Finance Charges on purchases by 
paying  the  full  amount  of  the  entire  balance  owed  each  month  within  25  days  from  Your  statement  closing  date.  Otherwise,  the  new  balance  of  purchases,  and 
subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. Cash advances (including Convenience Checks) are always 
subject to a Finance Charge from the date they are posted to Your Account and until such advances are paid in full. The minim um FINANCE CHARGE that You will be 
required to pay in any billing cycle that a Finance Charge is due is $0.50. 

For VISA Platinum (except for transfers of Credit Card balances previously owed to Us), Your Account will be subject to an Introductory Rate for six consecutive billing cycles 
immediately following the date Your Account is established, during which time the Monthly Periodic Rate that will apply to Your Account is 0.0000% (corresponding ANNUAL 
PERCENTAGE RATE 0.00%). Upon the expiration of the Introductory Rate period, the Monthly Periodic Rate and corresponding Annual Percentage Rate applicable to Your 
balance  existing  at  that  time  and  in  the  future  will  increase  to  the  non-introductory  rate  disclosed  herein.  The  current  non-introductory  Monthly  Periodic  Rate  for  VISA 
Platinum is 0.9158% - 1.4992% (corresponding ANNUAL PERCENTAGE RATE 10.99% - 17.99%), depending on Your creditworthiness.  

For  Savings  Secured  VISA  Platinum  (except  for  transfers  of  Credit  Card  balances  previously  owed  to  Us),  Your  Account  will  be  subject  to  an  Introductory  Rate  for  six 
consecutive billing cycles immediately following the date Your Account is established, during which time the Monthly Periodic Rate that will apply to Your Account is 0.4992% 
(corresponding  ANNUAL  PERCENTAGE  RATE  5.99%).  Upon  the  expiration  of  the  Introductory  Rate  period,  the  Monthly  Periodic  Rate  and  corresponding  Annual 
Percentage Rate applicable to Your balance existing at that time and in the future will increase to the non-introductory rate disclosed herein. The current non-introductory 
Monthly Periodic Rate for Savings Secured VISA Platinum is 0.9158%  - 1.4992% (corresponding ANNUAL PERCENTAGE RATE 10.99% - 17.99%), depending on Your 
creditworthiness. 

For Student VISA Platinum Credit Builder (except for transfers of Credit Card balances previously owed to Us), Your Account will be subject to an Introductory Rate for six 
consecutive billing cycles immediately following the date Your Account is established, during which time the Monthly Periodic Rate that will apply to Your Account is 0.4992% 
(corresponding  ANNUAL  PERCENTAGE  RATE  5.99%).  Upon  the  expiration  of  the  Introductory  Rate  period,  the  Monthly  Periodic  Rate  and  corresponding  Annual 
Percentage  Rate  applicable  to  Your  balance  existing  at  that  time  and  in  the  future  will  increase  the  non-introductory  rate  disclosed  herein.  The  current  non-introductory 
Monthly Periodic  Rate for Student VISA  Platinum  Credit Builder  is  0.9158%  -  1.4992%  (corresponding  ANNUAL  PERCENTAGE  RATE  10.99%  - 17.99%), depending  on 
Your creditworthiness. 

For Business VISA Platinum (except for transfers of Credit Card balances previously owed to Us), Your Account will be subject to an Introductory Rate for six consecutive 
billing  cycles  immediately  following  the  date  Your  Account  is  established,  during  which  time  the  Monthly  Periodic  Rate  that  will  apply  to  Your  Account  is  0.0000% 
(corresponding  ANNUAL  PERCENTAGE  RATE  0.00%).  Upon  the  expiration  of  the  Introductory  Rate  period,  the  Monthly  Periodic  Rate  and  corresponding  Annual 
Percentage  Rate  applicable  to  Your  balance  existing  at  that  time  and  in  the  future  will  increase  to  the  non-introductory  rate  disclosed  herein.  The  current  variable  non-
introductory Monthly Periodic Rate for Business Platinum VISA is 0.9158% - 1.4992% (corresponding ANNUAL PERCENTAGE RATE 7.24% - 21.25%), depending on Your 
creditworthiness. 

BUSINESS PLATINUM VISA VARIABLE RATE. Upon the expiration of the introductory rate period, all balances existing at that time and in the future will be subject to a 
Variable Rate which is based on the highest Prime Rate as published in the Money Rates Section of The Wall Street Journal in effect on the last day of each billing cycle 
("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes  in the Interest Rate on the 1st day of the billing 
cycle that immediately follows a change in the Index. Increases or decreases in the Interest Rate will result in like increas es or decreases in the Finance Charge and 
may affect the number of Your scheduled payments. Your Interest Rate will never be greater than that which is permitted under applicable state law, and will apply  to the 
remaining principal balance. 

Your Margin is determined by Your creditworthiness and will be 3.99% - 18.00%.

Copyright Oak Tree Business Systems, Inc., 2013-2014. All Rights Reserved. 

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