For Credit Card Tips 
From the Consumer 
Financial Protection 
Bureau

To learn more about the factors to con-
sider when applying for or using a credit 
card, visit the website of the Consumer 
Financial Protection Bureau at
http://www.consumerfinance.gov/learnmore

VISA CREDIT CARD AGREEMENT
In this Agreement the words "you" and "your" mean each and all of
those who agree to be bound by this Agreement; "Card" means the
VISA credit card and any duplicates, renewals, or substitutions the
Credit Union issues to you; "Account" means your VISA credit card
line of credit account with the Credit Union, and "Credit Union" means
the  Credit  Union  whose  name  appears  on  this  Agreement  or
anyone to whom the Credit Union transfers this Agreement.
1. Using Your Account. If you are approved for an Account, the
Credit Union will establish a line of credit for you and notify you of
your  credit  limit. You  agree  that  your  credit  limit  is  the  maximum
amount  (purchases,  cash  advances,  finance  charges,  plus  "other
charges")  that  you  will  have  outstanding  on  your  Account  at  any
time. Each payment you make to your Account will restore your credit
limit by the amount of the payment, unless you are over your credit
limit. If you are over your credit limit, you must pay the amount you
are over before payments will begin to restore your credit limit. You
may  request  an  increase  in  your  credit  limit  only  by  a  method
acceptable to the Credit Union. The Credit Union has the right to
reduce  your  credit  limit,  refuse  to  make  an  advance  and/or
terminate your Account at any time for any reason not prohibited by
law.
2. Using the VISA Card. You may use your Card to make purchases
from merchants and others who accept VISA Cards. In addition, you
may  obtain  cash  advances  from  the  Credit  Union  and  from  other
financial  institutions  that  accept  VISA  Cards,  and  from  some
automated teller machines (ATMs), (Not all ATMs accept VISA Cards.)
To obtain cash advances from an ATM, you must use the Personal
Identification Number (PIN) that is issued to you for use with your
Card. You  may  use  your Visa  Card  to  conduct  any  transaction  or
obtain any credit union service permitted by law. You agree that the
use of the Visa Card to obtain a service or effect a transaction that is
illegal under the law of any jurisdiction where originated, effected or
accomplished will be a default and breach of this agreement. We
may terminate the access to the service or withdraw the right to use
the Visa Card and/or demand the return of all Visa Cards or other
access devices issued to you. If illegal use of your Visa Card occurs,
you waive the right to sue us and agree to indemnify and hold us
harmless from any suits or other legal action or liability which may
be  asserted,  directly  or  indirectly,  against  us  arising  out  of  or
resulting from the illegal use of the Visa Card.
3. Responsibility. You agree to pay all charges (purchases and cash
advances) to your Account that are made by you or anyone whom
you authorize to use your Account. You also agree to pay all finance
charges and other charges added to your Account under the terms of
this Agreement or another agreement you made with the Credit Union.
If  this  is  a  joint  Account,  Section  17  below  also  applies  to  your
Account.
4. Finance. A Finance Charge will be imposed on Credit Purchases
only  if  you  elect  not  to  pay  the  entire  New  Balance  of  purchases
shown on your monthly statement for the previous billing cycle within
25 days from the closing date of that statement. If you elect not to
pay the entire New Balance of purchases shown on your previous
monthly statement within that 25-day period, a Finance Charge will
be  imposed  on  the  unpaid  average  daily  balance  of  such  Credit
Purchases  from  the  previous  statement  closing  date  and  on  new
Credit Purchases from the date of posting to your account during

2002 ©ConmarSystems, Inc., Peachtree City, GA 30269 - CFS 13683

the  current  billing  cycle,  and  will  continue  to  accrue  until  the
closing date of the billing cycle preceding the date on which the
entire New Balance of purchases is paid in full or until the date of
payment if more than 25 days from the closing date.
The Finance Charge for a billing cycle is computed by applying a
monthly Periodic Rate as low as .8250% which corresponds to
an  ANNUAL  PERCENTAGE  RATE  of  9.9%,  up  to  our  highest
daily periodic rate of 1.500%, which corresponds to an ANNUAL
PERCENTAGE  RATE  of  18.0%. The  ANNUAL  PERCENTAGE
RATE  is  based  on  Individual  Credit  Hisory. Your  ANNUAL
PERCENTAGE RATE will be disclosed to you when the card is
issued. The monthly Periodic Rate is applied to the average daily
balance of Credit Purchases, which is determined by dividing the
sum of the daily balances during the billing cycle by the number
of days in the cycle. Each daily balance of Credit Purchases is
determined by adding to the outstanding unpaid balance of Credit
Purchases at the beginning of the billing cycle any new Credit
Purchases posted to your account, and subtracting any payments
as received and credits as posted to your account, but excluding
any unpaid Finance Charges.
A Finance Charge will be imposed on Cash Advances from the
date of the Cash Advance or from the first day of the billing cycle
in which the Cash Advance is posted to your account, whichever
is later, and will otherwise be calculated in the same manner as
explained above for Credit Purchases.
In addition to the Finance Charge calculated as described above,
a  Finance  Charge  of  $5.00  will  be  charged  for  each  cash
advance that is added to your account.
5. Other  Charges. The  following  other  charges  (fees)  will  be
added to your Account, as applicable:

a) Annual Fee: You will be charged an annual fee of $15.00
on  the  first  statement  you  receive  after  your  account  is
opened.  The  fee  will  be  charged  each  year  until  the
account is closed and paid in full.

b) Over-the-Credit-Limit-Fee: You may be charged a fee of
$25.00 on a statement date if your New Balance on that
date, minus any fees imposed during the cycle, is over the
credit limit. You will be charged the fee each subsequent
month until your New Balance on the statement date, less
any fees imposed during the cycle, is BELOW you credit
limit.

c) Late  Payment  Fee:  If  you  are  10  days  or  more  late  in
making a payment, a late charge of $35.00 will be added to
your account.

d) Return  Payment  Fee:  If  a  check  or  share  draft  used  to
make a payment on your account is returned unpaid, you
will be charged a fee, of $35.00 for each item returned.
e) Card Replacement Fee: You will be charged $10.00 for

each replacement card that you request.

f) Document Copy Fee: You will be charged $5.00 for each
copy of a sales draft or statement that you request (except
when the request is made in connection with a billing error
made by the credit union).

g) Collection Costs: To the extent permitted by law, you will
also  be  required  to  pay  the  Credit  Union’s  collection
expenses, including court costs and 15% attorney’s fees if
any sums owing hereunder are collected by or through an
attorney-at-law.

6. Payments.  Each  month  you  must  pay  at  least  the  minimum
payment  shown  on  your  statement  by  the  date  specified  on  the
statement or no later than 25 days from the statement closing date,
whichever is later. If your statement says the payment is "Now Due,"
your  payment  is  due  no  later  than  25  days  from  the  statement
closing date. You may pay more frequently, pay more than the mini-
mum payment or pay the Total New Balance in full.  If you make
extra or larger payments, you are still required to make at least the
minimum payment each month your Account has a balance (other
than a credit balance). The minimum payment is 3% of your Total
New Balance, or $20.00 whichever is greater, plus the amount of
any  prior  minimum  payments  that  you  have  not  made,  and  any
amount you are over your credit limit. The Credit Union also has the
right to demand immediate payment of any amount by which you
are over your credit limit.
7. Payment Allocation. Subject to applicable law, your payments
may be applied to what you owe the Credit Union in any manner the
Credit Union chooses.
8. Security Interest. To secure your credit card account, you grant
us a purchase money security interest in any goods you purchase
through the account. If you default, we will have the right to recover
any of these goods which have not been paid for. As a condition for
the approval of your credit card account you grant us a specific pledge
of  your  Credit  Union  shares  (deposits)  and  checking  account(s),
excepting  those  accounts  that  would  have  an  adverse  tax
consequence if pledged as collateral. Collateral securing other loans
you have with the Credit Union may also secure this loan, except
that your home will never be considered as security for this Account
notwithstanding anything to the contrary in any other agreement.
PLEDGE  OF  SHARE  AND  SHARE  DRAFT  (CHECKING)
ACCOUNT(S)—NOTE: YOU  PLEDGE  TO  US  AND  GRANT  A
SECURITY  INTEREST  IN  ALL  INDIVIDUAL  AND  JOINT
ACCOUNTS YOU HAVE WITH US NOW AND IN THE FUTURE,
TO SECURE YOUR CREDIT CARD ACCOUNT. YOU AUTHORIZE
US TO APPLY THE BALANCE IN THESE ACCOUNT(S) TO PAY
ANY  AMOUNTS  DUE  UNDER  THIS  AGREEMENT  IF YOU
SHOULD DEFAULT.
9. Default. You will be in default if you fail to make any minimum
payment or other required payment by the date that it is due. You will
be  in  default  if  you  break  any  promise  you  make  under  this
Agreement. You will be in default if you die, file for bankruptcy or
become insolvent, that is, unable to pay your obligations when they
become  due. You  will  be  in  default  if  you  make  any  false  or
misleading statements in any credit application or credit update. You
will also be in default if something happens that the Credit Union
believes  may  substantially  reduce  your  ability  to  repay  what  you
owe.
When you are in default, the Credit Union has the right to demand
immediate payment of your full Account balance without giving you
notice. If immediate payment is demanded, you agree to continue
paying finance charge, at the periodic rate charged before default,
until what you owe has been paid, and any shares that were given
as security for your Account may be applied towards what you owe.
10. Unauthorized Use—Lost/Stolen Card Notification. You have
no liability for the unauthorized use of your card. If you believe your
card has been lost or stolen, notify the Credit Union by calling (706)
434-1600, or (866) 422-8616.

11. Changing or Terminating Your Account. The Credit Union may
change the terms of this Agreement from time to time.  Notice of any
change will be given in accordance with applicable law. Use of your
Card after receiving notice of a change will indicate your agreement
to the change. If permitted by law and specified in the notice to you,
the change will apply to your existing Account balance as well as to
future transactions.
Either you or the Credit Union may terminate this Agreement at any
time, but termination by you or the Credit Union will not affect your
obligation to pay the Account balance plus any finance and other
charges you owe under this Agreement. You are also responsible
for all transactions made to your Account after termination, unless
the transactions were unauthorized.
The Card or Cards you receive remain the property of the Credit
Union and you must recover and surrender to the Credit Union all
Cards upon request or upon termination of this Agreement whether
by you or the Credit Union. The Credit Union has the right to require
you to pay your full Account balance at any time after your Account
is terminated, whether it is terminated by you or the Credit Union. If
this is a joint Account, Section 17 of this Agreement also applies to
termination of the Account.
12. Credit  Information. You  authorize  the  Credit  Union  to
investigate  your  credit  standing  when  opening  or  reviewing  your
Account. You  authorize  the  Credit  Union  to  disclose  information
regarding your Account to credit bureaus and creditors who inquire
about your credit standing.
13. Returns and Adjustments. Merchants and others who honor
your Card may give credit for returns or adjustments, and they will
do so by sending the Credit Union a credit slip which will be posted
to your Account. If your credits and payments exceed what you owe
the Credit Union, the amount will be applied against future purchases
and cash advances. If the credit balance amount is $1 or more, it
will be refunded upon your written request or automatically after six
months.
14. Additional Benefits/Card Enhancements. The Credit Union
may from time to time offer additional services to your Account, such
as  travel  accident  insurance,  at  no  additional  cost  to  you. You
understand  that  the  Credit  Union  is  not  obligated  to  offer  such
services and may withdraw or change them at any time.
15. Foreign Transactions. Purchases and cash advances made in
foreign countries and foreign currencies will be billed to you in U.S.
dollars. The  conversion  rate  to  U.S.  dollars  will  be  determined  in
accordance  with  the  operating  regulations  established  by VISA
International.  Currently  the  currency  conversion  rate  used  to
determine  the  transaction  amount  in  U.S.  dollars  is  either  a
government-mandated rate or the wholesale market rate in effect
one  day  prior  to  the  transaction  processing  date,  increased  by
one-percent. The currency conversion rate used on the processing
date  may  differ  from  the  rate  that  would  have  been  used  on  the
purchase date or cardholder statement posting date.
16. Merchant Disputes. The Credit Union is not responsible for the
refusal of any merchant or financial institution to honor your Card.
The Credit Union is subject to claims and defenses (other than tort
claims) arising out of goods or services you purchase with the Card
if you have made a good faith attempt but have been unable to    obtain
satisfaction  from  the  merchant  or  service  provider,  and  (a)  your
purchase was made in response to an advertisement the Credit Union
sent or participated in sending to you; or (b) your purchase cost more