ISSUED BY MEMBERS FIRST CREDIT UNION OF FL 
DISCLOSURES REQUIRED BY FEDERAL LAW 

VISA PLATINUM – WITH ANNUAL FEE  
1. FINANCE CHARGES:  
a)  Calculation  Methods  -  Cash  Advance:  A  ,  Credit  Purchases:  G  (See  reverse  side  for  calculation 
method descriptions). 
 b)  Periodic  Rates  used  to  compute  FINANCE  CHARGES-  Cash  Advances:  .908%  per  month.  Credit 
Purchases:  .908%  per  month  Corresponding  ANNUAL  PERCENTAGE  RATES-  Cash  Advance:  10.9%, 
Credit Purchases: 10.9%  
2.  OVER  LIMIT  CHARGES:  Cardholder  shall  immediately  pay  the  amount  by  which  the  total  New 
Balance exceeds the maximum authorized credit. No Over Limit Charge will be charged (For California 
accounts see, Sec. 9).  
3. ANNUAL FEE: $12.00 
 a) A non-refundable Annual Fee of $12.00 plus applicable taxes, shall be charged to your account, or 
- 
 b) Using Plan 0 (see Sec. 11) An Annual Fee/FINANCE CHARGE of $.00 plus applicable taxes shall be 
charged  unless,  for  the  time  period  analyzed,  you  charged  more  than  $.00  or  had  more  than  0 
transactions on your card.  
4. MINIMUM PAYMENT:  
a)  The  minimum  payment  required  is  the  New  Balance  shown  on  your  statement  if  the  amount  is 
equal to or less than $20.00. 
 b)  If  the  New  Balance  exceeds  $20.00  the  minimum  payment  is  2.00%  of  that  portion  of  the  New 
Balance  which  does  not  exceed  your  credit  limit  (rounded  up  to  the  nearest  dollar),  or  $20.00, 
whichever is greater, plus the entire portion of the New Balance in excess of your credit limit, plus any 
amount past due.  
5. LATE CHARGES: If the minimum required payment is not received within 10 days after the Closing 
Date subsequent to the payment Due Date, you will be charged a late payment fee of $27. If you are 
late  more  than  once  in  a  six  month  period,  the  late  payment  fee  will  go  up  to  $37.  If  you  make  on 
time payments for six months, it will return to $27. 
6.  The  only  FINANCE  CHARGES  assessed  on  your  account  other  than  those  assessed  by  a  periodic 
rate,  will  be  transaction  FINANCE  CHARGES  in  connection  with  International  Transaction  Fees  (i.e. 
cross-border and/or currency conversion fees) of up to 1%, which may qualify as a FINANCE CHARGE 
(see item Q . on back), if part of your plan.  
7. Documentary  stamp  taxes  as  may  be  required  by  law  shall  be  imposed  on  each  Cash  Advance  at 
the time the loan is made.  
8. The annual fee shall be treated as a Credit Purchase for purposes of calculating FINANCE CHARGES, 
unless prohibited by law.  
9. In California a maximum of $10 in Over Limit Fees may be imposed with respect to any charge that 
causes the outstanding balance to exceed the credit limit by $500 or 120 percent, whichever is less. 
No more than one over limit charge may be assessed within a single monthly billing cycle.  
10.  If  you  have  other  loans  or  credit  extensions  from  Issuer,  or  take  out  other  loans  or 
credit  extensions  with  Issuer  in  the  future,  collateral  securing  those  loans  or  credit 
extensions  will  also  secure  your  obligations  under  this  agreement.  However,  unless  you 
expressly  agree  otherwise,  your  household  goods  and  dwelling  will  not  secure  your 
obligations under this agreement even if Issuer has, or later acquires, a security interest in 
the  household  goods  or  a  mortgage  on  the  dwelling.  If  you  have  executed  a  written 
agreement granting a security interest in any deposit accounts (checking, savings, or share 
accounts)  or  other  funds  held  by  Issuer  to  secure  your  obligations  under  this  credit  card 
plan,  such  accounts  and/or  funds  are  additional  security  for  your  obligations  to  Issuer 
arising from the use of your Card.  
11.  Annual  Fee  Plans:  Your  Annual  Fee  waiver  analysis,  under  the  Plan  noted  in  Section  3.b,  only 
includes  the  following  transactions:  Plan  1:  Gross  Sales;  Plan  2:  Gross  Cash  Advances;  Plan  3:  Net 
Sales;  Plan  4:  Net  Cash  Advances;  Plan  5:  Gross  Sales  plus  Gross  Cash  Advance;  Plan  6:  Net  Sales 
plus Net Cash Advances (Note: Time period analyzed shall be prior 12 month period; however, initial 

 
 
time period may be less than 12 months as it begins on the date you  were notified of this program. 
Annual Fees shall not be waived for cardholders in default).  

VISA PLATINUM – WITH NO ANNUAL FEE  
1. FINANCE CHARGES:  
a)  Calculation  Methods  -  Cash  Advance:  A  ,  Credit  Purchases:  G  (See  reverse  side  for  calculation 
method descriptions). 
 b)  Periodic  Rates  used  to  compute  FINANCE  CHARGES-  Cash  Advances:  .908%  per  month.  Credit 
Purchases:  .908%  per  month  Corresponding  ANNUAL  PERCENTAGE  RATES-  Cash  Advance:  12.9%, 
Credit Purchases: 12.9%  
2.  OVER  LIMIT  CHARGES:  Cardholder  shall  immediately  pay  the  amount  by  which  the  total  New 
Balance exceeds the maximum authorized credit. No Over Limit Charge will be charged (For California 
accounts see, Sec. 9).  
3. ANNUAL FEE: $0.00 
 a) A non-refundable Annual Fee of $0.00 plus applicable taxes, shall be charged to your account, or - 
 b) Using Plan 0 (see Sec. 11) An Annual Fee/FINANCE CHARGE of $.00 plus applicable taxes shall be 
charged  unless,  for  the  time  period  analyzed,  you  charged  more  than  $.00  or  had  more  than  0 
transactions on your card.  
4. MINIMUM PAYMENT:  
a)  The  minimum  payment  required  is  the  New  Balance  shown  on  your  statement  if  the  amount  is 
equal to or less than $20.00. 
 b)  If  the  New  Balance  exceeds  $20.00  the  minimum  payment  is  2.00%  of  that  portion  of  the  New 
Balance  which  does  not  exceed  your  credit  limit  (rounded  up  to  the  nearest  dollar),  or  $20.00, 
whichever is greater, plus the entire portion of the New Balance in excess of your credit limit, plus any 
amount past due.  
5. LATE CHARGES: If the minimum required payment is not received within 10 days after the Closing 
Date subsequent to the payment Due Date, you will be charged a late payment fee of $27. If you are 
late  more  than  once  in  a  six  month  period,  the  late  payment  fee  will  go  up  to  $37.  If  you  make  on 
time payments for six months, it will return to $27. 
6.  The  only  FINANCE  CHARGES  assessed  on  your  account  other  than  those  assessed  by  a  periodic 
rate,  will  be  transaction  FINANCE  CHARGES  in  connection  with  International  Transaction  Fees  (i.e. 
cross-border and/or currency conversion fees) of up to 1%, which may qualify as a FINANCE CHARGE 
(see item Q . on back), if part of your plan.  
7. Documentary  stamp  taxes  as  may  be  required  by  law  shall  be  imposed  on  each  Cash  Advance  at 
the time the loan is made.  
8. The annual fee shall be treated as a Credit Purchase for purposes of calculating FINANCE CHARGES, 
unless prohibited by law.  
9. In California a maximum of $10 in Over Limit Fees may be imposed with respect to any charge that 
causes the outstanding balance to exceed the credit limit by $500 or 120 percent, whichever is less. 
No more than one over limit charge may be assessed within a single monthly billing cycle.  
10.  If  you  have  other  loans  or  credit  extensions  from  Issuer,  or  take  out  other  loans  or 
credit  extensions  with  Issuer  in  the  future,  collateral  securing  those  loans  or  credit 
extensions  will  also  secure  your  obligations  under  this  agreement.  However,  unless  you 
expressly  agree  otherwise,  your  household  goods  and  dwelling  will  not  secure  your 
obligations under this agreement even if Issuer has, or later acquires, a security interest in 
the  household  goods  or  a  mortgage  on  the  dwelling.  If  you  have  executed  a  written 
agreement granting a security interest in any deposit accounts (checking, savings, or share 
accounts)  or  other  funds  held  by  Issuer  to  secure  your  obligations  under  this  credit  card 
plan,  such  accounts  and/or  funds  are  additional  security  for  your  obligations  to  Issuer 
arising from the use of your Card.  
11.  Annual  Fee  Plans:  Your  Annual  Fee  waiver  analysis,  under  the  Plan  noted  in  Section  3.b,  only 
includes  the  following  transactions:  Plan  1:  Gross  Sales;  Plan  2:  Gross  Cash  Advances;  Plan  3:  Net 
Sales;  Plan  4:  Net  Cash  Advances;  Plan  5:  Gross  Sales  plus  Gross  Cash  Advance;  Plan  6:  Net  Sales 
plus Net Cash Advances (Note: Time period analyzed shall be prior 12 month period; however, initial 
time period may be less than 12 months as it begins on the date you  were notified of this program. 
Annual Fees shall not be waived for cardholders in default).  

 
 
 
 
MASTERCARD – WITH NO ANNUAL FEE  
1. FINANCE CHARGES:  
a)  Calculation  Methods  -  Cash  Advance:  A  ,  Credit  Purchases:  G  (See  reverse  side  for  calculation 
method descriptions). 
 b)  Periodic  Rates  used  to  compute  FINANCE  CHARGES-  Cash  Advances:  .908%  per  month.  Credit 
Purchases:  .908%  per  month  Corresponding  ANNUAL  PERCENTAGE  RATES-  Cash  Advance:  12.9%, 
Credit Purchases: 12.9%  
2.  OVER  LIMIT  CHARGES:  Cardholder  shall  immediately  pay  the  amount  by  which  the  total  New 
Balance exceeds the maximum authorized credit. No Over Limit Charge will be charged (For California 
accounts see, Sec. 9).  
3. ANNUAL FEE: $0.00 
 a) A non-refundable Annual Fee of $0.00 plus applicable taxes, shall be charged to your account, or - 
 b) Using Plan 0 (see Sec. 11) An Annual Fee/FINANCE CHARGE of $.00 plus applicable taxes shall be 
charged  unless,  for  the  time  period  analyzed,  you  charged  more  than  $.00  or  had  more  than  0 
transactions on your card.  
4. MINIMUM PAYMENT:  
a)  The  minimum  payment  required  is  the  New  Balance  shown  on  your  statement  if  the  amount  is 
equal to or less than $20.00. 
 b)  If  the  New  Balance  exceeds  $20.00  the  minimum  payment  is  2.00%  of  that  portion  of  the  New 
Balance  which  does  not  exceed  your  credit  limit  (rounded  up  to  the  nearest  dollar),  or  $20.00, 
whichever is greater, plus the entire portion of the New Balance in excess of your credit limit, plus any 
amount past due.  
5. LATE CHARGES: If the minimum required payment is not received within 10 days after the Closing 
Date subsequent to the payment Due Date, you will be charged a late payment fee of $27. If you are 
late  more  than  once  in  a  six  month  period,  the  late  payment  fee  will  go  up  to  $37.  If  you  make  on 
time payments for six months, it will return to $27. 
6.  The  only  FINANCE  CHARGES  assessed  on  your  account  other  than  those  assessed  by  a  periodic 
rate,  will  be  transaction  FINANCE  CHARGES  in  connection  with  International  Transaction  Fees  (i.e. 
cross-border and/or currency conversion fees) of up to 1%, which may qualify as a FINANCE CHARGE 
(see item Q . on back), if part of your plan.  
7. Documentary  stamp  taxes  as  may  be  required  by  law  shall  be  imposed  on  each  Cash  Advance  at 
the time the loan is made.  
8. The annual fee shall be treated as a Credit Purchase for purposes of calculating FINANCE CHARGES, 
unless prohibited by law.  
9. In California a maximum of $10 in Over Limit Fees may be imposed with respect to any charge that 
causes the outstanding balance to exceed the credit limit by $500 or 120 percent, whichever is less. 
No more than one over limit charge may be assessed within a single monthly billing cycle.  
10.  If  you  have  other  loans  or  credit  extensions  from  Issuer,  or  take  out  other  loans  or 
credit  extensions  with  Issuer  in  the  future,  collateral  securing  those  loans  or  credit 
extensions  will  also  secure  your  obligations  under  this  agreement.  However,  unless  you 
expressly  agree  otherwise,  your  household  goods  and  dwelling  will  not  secure  your 
obligations under this agreement even if Issuer has, or later acquires, a security interest in 
the  household  goods  or  a  mortgage  on  the  dwelling.  If  you  have  executed  a  written 
agreement granting a security interest in any deposit accounts (checking, savings, or share 
accounts)  or  other  funds  held  by  Issuer  to  secure  your  obligations  under  this  credit  card 
plan,  such  accounts  and/or  funds  are  additional  security  for  your  obligations  to  Issuer 
arising from the use of your Card.  
11.  Annual  Fee  Plans:  Your  Annual  Fee  waiver  analysis,  under  the  Plan  noted  in  Section  3.b,  only 
includes  the  following  transactions:  Plan  1:  Gross  Sales;  Plan  2:  Gross  Cash  Advances;  Plan  3:  Net 
Sales;  Plan  4:  Net  Cash  Advances;  Plan  5:  Gross  Sales  plus  Gross  Cash  Advance;  Plan  6:  Net  Sales 
plus Net Cash Advances (Note: Time period analyzed shall be prior 12 month period; however, initial 
time period may be less than 12 months as it begins on the date you  were notified of this program. 
Annual Fees shall not be waived for cardholders in default).  

 
 
 
 
 
 
 
PERIODIC FINANCE CHARGE CALCULATION METHODS 

The  periodic  Finance  Charge  Calculation  Method  applicable  to  your  account  for  Cash  Advances  and 
Credit  purchases  of  goods  and  services  that  you  obtain  through  the  use  of  your  Card  is  specified  in 
Section 1 on the Disclosure on the reverse side and explained below:  
Method A - Average Daily Balance (including current transactions). The Finance Charge on purchases 
begins  from  the  date  the  transaction  is  posted  to  your  account  and  the  Finance  Charge  on  cash 
advances begins from the date you obtained the cash advance, or the first day of the billing cycle in 
which it is posted to your account, whichever is later. There is no grace period.  
The  Finance  Charges  for  a  billing  cycle  are  computed  by  applying  the  monthly  Periodic  Rate  to  the 
"average  daily  balance"  of  your  account.  To  get  the  average  daily  balance,  we  take  the  beginning 
balance  of  your  account  each  day,  add  any  new  purchases  or  cash  advances,  and  subtract  any 
payments,  credits,  non-accruing  fees,  and  unpaid  finance  charges.  This  gives  us  the  daily  balance. 
Then we add up all the daily balances for the billing cycle and divide the total by the number of days 
in the billing cycle.  
Method  E  -  Average  Daily  Balance  (excluding  current  transactions).  To  avoid  incurring  an  additional 
Finance Charge on the balance of purchases (and cash advances if Method E is specified as applicable 
to  cash  advances)  reflected  on  your  monthly  statement,  you  must  pay  the  New  Balance  shown  on 
your monthly statement on or before the Payment Due Date. The grace period for the New Balance of 
purchases extends to the Payment Due Date.  
The  Finance  Charges  for  a  billing  cycle  are  computed  by  applying  the  monthly  Periodic  Rate  to  the 
"average  daily  balance"  of  purchases  (and  if  applicable,  cash  advances).  To  get  the  average  daily 
balance, we take the beginning balance of your account each day and subtract any payments, credits, 
non-accruing  fees,  and  unpaid  finance  charges.  We  do  not  add  in  new  purchases  or  cash  advances. 
This gives us the daily balance. Then we add up all the daily balances for the billing cycle and divide 
the total by the number of days in the billing cycle.  
Method  F  -  Average  Daily  Balance  (including  current  transactions).  To  avoid  incurring  an  additional 
Finance Charge on the beginning balance of cash advances (and purchases, if Method F is specified as 
applicable  to  purchases)  reflected  on  your  monthly  statement,  you  must  pay  the  Beginning  Balance 
shown on your monthly statement on or before the Payment Due Date. No grace period is provided for 
current cycle transactions.  
The  Finance  Charges  for  a  billing  cycle  are  computed  by  applying  the  monthly  Periodic  Rate  to  the 
"average  daily  balance"  of  cash  advances  (and  if  applicable,  purchases).  To  get  the  average  daily 
balance,  we  take  the  beginning  balance  of  your  account  each  day,  add  any  new  purchases  or  cash 
advances,  and  subtract  any  payments,  credits,  non-accruing  fees,  and  unpaid  finance  charges  .  This 
gives  us  the  daily  balance.  Then  we  add  up  all  the daily  balances  for the  billing  cycle  and  divide the 
total by the number of days in the billing cycle.  
Method  G  -  Average  Daily  Balance  (including  current  transactions).  To  avoid  incurring  an  additional 
Finance Charge on the balance of purchases (and cash advances, if Method G is specified as applicable 
to cash advances) reflected on your monthly statement and, on any new purchases (and if applicable, 
cash advances) appearing on your next monthly statement, you must pay the New Balance, shown on 
your monthly statement, on or before the Payment Due Date. The grace period for the New Balance of 
purchases extends to the Payment Due Date.  
The  Finance  Charges  for  a  billing  cycle  are  computed  by  applying  the  monthly  Periodic  Rate  to  the 
"average  daily  balance"  of  purchases  (and  if  applicable,  cash  advances).  To  get  the  average  daily 
balance,  we  take  the  beginning  balance  of  your  account  each  day,  add  any  new  purchases  or  cash 
advances,  and  subtract  any  payments,  credits,  non-accruing  fees,  and  unpaid  finance  charges.  This 
gives  us  the  daily  balance.  Then  we  add  up  all  the daily  balances  for the  billing  cycle  and  divide the 
total by the number of days in the billing cycle.  

TERMS GOVERNING THE USE OF YOUR CARD 

The person ("Cardholder") whose name is embossed on the face of the  VISA  or MasterCard ("Card") 
enclosed  herewith,  and  each  Cardholder,  in  the  event  more  than  one  Card  is  enclosed  herewith 

 
 
 
 
 
 
 
 
 
bearing  the  same  account  number,  by  signing  or  using  said  Card,  receipt  of  which  is  acknowledged, 
agrees with the Issuer of the Card whose name is printed on the reverse ("Issuer") as follows  
A.  Goods  and  services  ("Credit  Purchases")  may  be  purchased  or  leased  by  means  of  such  card  by 
Cardholder from any retail Business establishment ("seller") who honors same upon the execution of a 
sales slip evidencing such Credit Purchases and bearing the account number of Cardholder embossed 
on the face of such Card. Additionally, VISA or MasterCard Cash Advances ("Loans") may be obtained 
through use of such Card (a) upon execution of a written request of Cardholder in a form furnished to 
Cardholder from any financial institution that is a member, alone or in association with others, of VISA 
U.S.A. Inc. or MasterCard Inc. and (b) upon execution of a written separate agreement with Issuer for 
a VISA or MasterCard overdraft financing agreement if offered by Issuer.  
B.  Cardholder  shall  be  liable  and  agrees  to  pay  Issuer  for  Credit  Purchases  made  by,  or  for  Loans 
extended  to,  Cardholder  or  anyone  else  using  such  Card  unless  the  use  of  such  Card  is  by  a  person 
other than the Cardholder (a) who does not have actual, implied or apparent authority for such  use, 
and  (b)  from  which  Cardholder  receives  no  benefit.  Additionally,  Cardholder  shall  be  jointly  and 
severally liable and agrees to pay for all Credit Purchases and Loans obtained through the use of any 
other Card bearing Cardholder's account number that has been issued to another person by reason of 
such  person  being  a  member  of  Cardholder's  family,  or  otherwise  issued  upon  Cardholder's  request 
(all  such  Cards  bearing  the  VISA  or  MasterCard  account  number  hereinafter  collectively  called 
("Related Cards").  
C. Cardholder agrees to pay to Issuer an annual membership fee (as stated in the Disclosures on the 
reverse)  for  participation  in  the  Issuer's  credit  card  plan.  Such  annual  membership  fee  shall  be 
imposed  whether  or  not  Cardholder  uses  the  card  to  obtain  credit  purchases  and  loans.  The 
membership  fee  shall be  charged  to  Cardholder's  account  each  year  in  the  month  of  Issuer's  choice. 
The membership fee is not refundable in the event of termination of the account by either Cardholder 
or Issuer unless otherwise provided for by law.  
D. Each Card is the property of Issuer, is not transferable and must be surrendered upon demand. It 
can be canceled as well as repossessed by Issuer or its designee, and the privileges thereof revoked, 
at any time without prior notice.  
E. Cardholder shall not use the Card or permit the use of Related Cards to obtain Credit Purchases or 
Loans,  which  will  increase  Cardholder's  indebtedness  to  Issuer  to  an  amount  in  excess  of  the  limit 
established by Issuer.  
F. All Credit Purchases and Loans are effected at the option of the Seller and Cash Advancing Financial 
Institution respectively, and Issuer shall not be responsible for refusal by any Seller or Cash Advancing 
Financial Institution to honor the Card or any Related Card. Any refund, adjustment or credit allowed 
by Seller shall not be by cash but rather by a credit advice to Issuer which shall be shown as a credit 
on Cardholder's account statement with Issuer.  
G.  Issuer  will  send  to  Cardholder,  at  monthly  intervals  determined  by  Issuer,  a  statement  reflecting 
for  the  prior  monthly  period  all  VISA  Card,  MasterCard,  and  Related  Card  transactions.  Such 
statement shall be deemed correct and accepted by Cardholder and all holders of Related Card unless 
Issuer is notified to the contrary in writing within 60 days of mailing of such statement. Cardholder will 
pay  such  statement  by  remitting  to  Issuer  within  25  days  of  the  closing  date  reflected  on  the 
statement either the full amount billed or, at Cardholder's option, an installment equal to at least the 
required minimum payment stated in Section 4 on the reverse.  
H.  Interest  on  Loans  and  Credit  Purchases  will  be  charged  in  accordance  with  the  finance  charge 
calculation method referred to in Section 1 of the disclosures on the reverse side. The rate of interest 
shall be established by Issuer from time to time, but shall never exceed the maximum rate permitted 
by law. The current interest rate per annum is the Annual Percentage Rate set forth in Section 1 of the 
Disclosures on the reverse side.  
I.  You  will  be  in  default  if  you  fail  to  make  any  minimum  payment  or  other  required 
payment by the date that it is due. You will be in default if you break any promise you make 
under this Agreement or any other agreement with Issuer. You will be in default if you die, 
file for  bankruptcy  or  become  insolvent,  that  is,  unable  to  pay  your  obligations  when  they 
become  due.  You  will  be  in  default  if  you  make  any  false  or  misleading  statements  in  any 
credit  application  or  credit  update.  You  will  also  be  in  default  if  something  happens  that 
Issuer believes may substantially reduce your ability to repay what you owe. When you are 
in default, Issuer has the right to demand immediate payment of your full Account balance 
without  giving  you  notice.  If  immediate  payment  is  demanded,  you  agree  to  continue 
paying  finance  charges  as  described  in  this  Agreement  until  what  you  owe  has  been  paid, 

and any shares, deposits and other funds on deposit with Issuer that were given as security 
for your Account may be applied towards what you owe.  
J.  Except  as  to  any  Collateral  you  now  use  or  are  purchasing  to  use  as  your  principal 
dwelling  or  household  goods,  this  Collateral  will  also  secure  any  other  debts  you  owe  us 
now or in the future, including  any extension,  modification or future  advances of  or  under 
your  agreements  with  us.  Likewise,  with  the  exceptions  noted,  all  other  collateral  you 
pledge  to  us  for  your  other  obligations  will  also  secure  your  obligations  herein.  You  also 
give  us  a  security  interest  in  all  of  your  deposits  with  us,  now  or  in  the  future.  Your 
consensual pledge of shares includes all individual and multiple party accounts in which you 
have any interest, regardless of contributions.  
K.  If  the  card  is  canceled  or  surrender  is  demanded  by  Issuer,  or  if  Cardholder  defaults  in  any 
payment  due,  or  is  deceased,  bankrupt  or  insolvent,  or  any  attachment  or  garnishment  proceedings 
are initiated against Cardholder or his property, Issuer may elect to declare all amounts then owed to 
Issuer  to  be  immediately  due  and  payable  without  notice  or  demand  of  any  kind.  If  Cardholder  has 
other  loans  from  Issuer,  or  takes  out  other  loans  with  Issuer  in  the  future,  collateral  securing  those 
loans  will  also  secure  the  Cardholder's  obligations  under  this  agreement.  However,  unless  the 
Cardholder expressly agrees otherwise, the Cardholder's household goods and dwelling will not secure 
Cardholder’s obligations under this agreement even if Issuer has or later acquires a security interest in 
the  household  goods  or  a  mortgage  on  the  dwelling.  Cardholder  agrees  to  pay  all  costs  incurred  by 
Issuer  in  collecting  Cardholder’s  indebtedness  or  in  enforcing  this  agreement,  including  reasonable 
attorney's  fees  and  also  those  costs,  expenses  and  attorney's  fees  incurred  in  appellate,  bankruptcy 
and post-judgment proceedings, except to the extent such costs, fees or expenses are prohibited by 
law.  
L.  This  agreement  may  be  amended  from  time  to  time  by  Issuer  by  written  notice  mailed  to 
Cardholder at Cardholder's last known address.  
M.  Except  to  the  extent  that  Federal  law  is  applicable,  the  validity,  construction  and  enforcement  of 
this agreement and all matter's arising out of the issuance and use of the Card shall be governed by 
the laws of the state in which the principal office of Issuer is located.  
N.  Additional  charges,  plus  applicable  taxes,  may  also  be  assessed  if  you  pay  us  with  a  check  not 
honored by your financial institution, request a copy of a document, request a replacement card or use 
your card for a transaction at an automated teller machine, if such charges are not prohibited by law 
or regulation. No finance Charge will be assessed on such additional charges.  
O.  If  it  is  believed  that  the  Card  has  been  lost  or  stolen  or  used  in  an  unauthorized  manner,  the 
Cardholder  shall  contact  Issuer  AT  ONCE,  in  order  to  minimize  possible  losses.  In  most  cases,  the 
Cardholder  will  not  be  liable  for  any  unauthorized  transactions  unless  it  is  determined  that  the 
Cardholder was grossly negligent or fraudulent in the handling of the Card. Notification can be made 
orally or in writing at:  
Credit Card Security Department  
P.O. Box 30035  
Tampa, Florida 33630  
Telephone Number (727) 570-4881  
P.  Cardholder  agrees  that  Issuer,  its  agents  or  service  companies  may  monitor  and/or  record  any 
telephone communications with Cardholder.  
Q.  Payments  must  be  made  to  the  Issuer  in  U.S.  dollars  drawn  on  a  U.S.  Financial  Institution.  If 
Cardholder incurs charges in any other currency, the charges will be converted into U.S. dollars. The 
exchange rate for transactions in a foreign currency will be a rate selected by Visa from the range of 
rates  available  in  wholesale  currency  markets  for  the  applicable  central  processing  date,  which  rate 
may  vary  from  the  rate  Visa  itself  receives,  or  the  government  mandated  rate  in  effect  for  the 
applicable central processing date. All transactions in foreign countries will be subject to a conversion 
or processing fee up to 1% of the transaction.  
R. Issuer shall have sole discretion in how payments are applied to cardholder's account. Issuer may 
accept checks marked "Payment in Full" or with words of similar effect without losing any of Issuer's 
rights to collect the full balance of Cardholder's account.  
S. Issuer can reinvestigate and reevaluate any information Cardholder provided on Cardholder's credit 
application  at  any  time,  and  in  the  course  of  doing  so,  Issuer  may  ask  Cardholder  for  additional 
information,  request  credit  bureau  reports  and/or  otherwise  verify  Cardholder's  current  credit 
standing.  

R.  Cardholder  agrees  that  Issuer  may  re-release  information  to  others,  such  as  credit  bureaus, 
regarding the status and history of Cardholder's account, However, Issuer is not obligated to release 
any such information to anyone unless Issuer is required by law to do so.  
T. Cardholder agrees that Cardholder's account shall be subject to all applicable rules and regulations 
of VISA U.S.A. Inc., and MasterCard, Inc. as applicable, as well as all applicable laws. If there is any 
conflict between the provisions of this Agreement and the rules and regulations of VISA U.S.A. Inc. or 
MasterCard  Inc.  the  rules  and  regulations  of  VISA  U.S.A.  Inc.  or  MasterCard  Inc.  shall  control.  Your 
Visa Card or MasterCard may not be used for any illegal transaction(s).