made  a  good  faith  attempt,  but  have  been  unable  to  obtain
satisfaction  from  the  plan  merchant.  You  must  resolve  all  other
disputes  directly  with  the  plan  merchant.  We  do  not  warrant  any
merchandise or services purchased by you with the Card.

Statements  and  Notices. Statements  and  notices  will  be  mailed
to you at the most recent postal address or e-mail address (if you
have elected to receive such documents via electronic means) you
have  given  us.  Notice  sent  to  any  one  of  you  will  be  considered
notice to all.
Notification of Address Change. You will notify us promptly if you
change  your  address  for  any  reason.  In  order  to  prevent  identity
theft, your identity may need to be verified before we act upon the
notification.

Copy Received. You acknowledge that you have received a copy
of this Agreement.

Governing Law. This Agreement shall be construed under federal
law  and  state  law  in  the  state  in  which  we  are  primarily  located,
and the venue shall be located in the county and state in which we
are primarily located. Operating regulations of Visa may also apply.
This Agreement is the contract that applies to all transactions even
though  the  sales,  cash  advance,  convenience  check,  credit  or
other slips you sign or receive may contain different terms.

YOUR BILLING RIGHTS - KEEP THIS NOTICE 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 the
address(es) listed on your statement.

In your letter, give us the following information:

1.
2.
3.

Your name and account number.
The dollar amount of the suspected error.
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  3  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:

1.

2.

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.
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 whether or not there has been an error:

•

•

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 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.

2.

3.

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. (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.)
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.
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 the address(es) listed on your
statement.

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.

9011 LASER EFI
FI15430 Rev 5-2013

COPYRIGHT 2009 Securian Financial Group, Inc.
All rights reserved.

Envision Credit Union
PO Box 5198
Tallahassee, FL 32314-5198
(850) 942-9000

VISA CREDIT CARD AGREEMENT
Success Platinum/Classic Platinum/
Secured Platinum

IN  THIS  AGREEMENT,  "YOU"  AND  "YOUR"  MEAN  ANY  PERSON  WHO  ACCEPTS
THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD
ISSUED  TO YOU  OR  THOSE  DESIGNATED BY YOU  UNDER  THE  TERMS  OF  THIS
AGREEMENT.  "WE",  "US",  "OUR"  AND  THE  "CREDIT  UNION"  MEANS  ENVISION
CREDIT UNION OR ITS SUCCESSORS.

SECURITY:  YOU  SPECIFICALLY  GRANT  US  A
CONSENSUAL  SECURITY  INTEREST  IN  ALL  INDIVIDUAL
AND JOINT ACCOUNTS YOU HAVE WITH US NOW AND IN
THE  FUTURE  TO  SECURE  REPAYMENT  OF  CREDIT
EXTENDED UNDER THIS AGREEMENT. YOU ALSO AGREE
THAT  WE  HAVE  SIMILAR  STATUTORY  LIEN  RIGHTS
UNDER  STATE AND/OR  FEDERAL  LAW.  THE  GRANTING
OF  THIS  SECURITY  INTEREST  IS A CONDITION  FOR  THE
ISSUANCE OF CREDIT UNDER THIS AGREEMENT. IF YOU
ARE IN DEFAULT, WE CAN APPLY YOUR SHARES TO THE
AMOUNT  YOU  OWE. Shares  and  deposits  in  an  Individual
Retirement  Account  or  any  other  account  that  would  lose
special tax treatment under state or federal law if given are not
subject to this security interest.
If  you  have  other  loans  with  us,  collateral  securing  such  loans
may also secure your obligations under this Agreement, unless
that other collateral is your principal residence or non-purchase
money household goods.

Using Your Card. You can purchase or lease goods and services
from  any  merchant  who  honors  your  Card,  and  you  may  obtain
cash  advances  from  financial  institutions  and ATM machines  that
accept the Card, up to your maximum credit limit. You agree not to
present  your  Card  or  obtain  a  cash  advance  for  any  extension  of
credit  in  excess  of  your  available  credit  limit;  however,  if  you  do
exceed  your  credit  limit,  you  agree  to  make  immediate  payment
sufficient  to  bring  the  balance  below  the  credit  limit.  Certain
purchases  and  cash  advances  require  authorization  prior  to
completion of the transaction. In some cases, you may be asked to
provide identification. If our system is not working, we may not be
able  to  authorize  a  transaction,  even  though  you  have  sufficient
credit  available. Also,  for  security  reasons,  we  may  block  the  use
of your Card in certain countries or geographic areas. We will have
no liability to you or others if any of these events occur.

Personal Identification Number (PIN). We  may issue 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  account  balance.  In  the  event  a
use of your PIN constitutes an Electronic Funds Transfer, the terms
and  conditions  of  your  Electronic  Funds Transfer Agreement  may
affect your rights.

Promise To Pay. You promise to pay us in U.S. dollars for (a) all
purchases, cash advances, and balance transfers made by you or
anyone  whom  you  authorize  to  use  the  Card;  (b)  all  Interest
Charges  and  all  other  charges  or  fees;  (c)  collection  costs  and
(cid:9)

attorney's  fees  as  permitted  by  applicable  law,  and  any  costs
incurred  in  the  recovery  of  the  Card;  and  (d)  credit  in  excess  of
your credit limit that we may extend to you.
Illegal  Transactions. You  agree  that  your  Card  and  account  will
not  be  used  to  make  or  facilitate  any  illegal  transactions  as
determined by applicable law; and that any such use will constitute
an  event  of  default  under  this  Agreement.  We  may  decline  any
transaction  that  we  believe  to  be  illegal  under  applicable  law,
including  but  not  limited  to  any  transaction  involving  or  relating  to
any  unlawful  gambling  activity.  You  agree  that  we  will  have  no
liability or responsibility for any such use by you or any authorized
user(s); or for declining any such transaction. You further agree to
indemnify  and  hold  us  harmless  from  any  suits,  liability, damages
or adverse action of any kind that results directly or indirectly from
such illegal use. You promise to pay us any and all amounts owing
on  your  Card  for  any  transactions  made  by  you,  even  if  the
transaction is determined to be illegal.
Joint  Accounts. Each  of  you  will  be  responsible,  jointly  and
severally, for  the  repayment  of  amounts  owed,  regardless  of  who
initiated any transaction under the account.
Others Using Your Account. If you allow anyone else to use your
account, you will be liable for all credit extended to such persons.
You  promise  to  pay  for  all  purchases  and  advances  made  by
anyone  you  authorize  to  use  your  account,  whether  or  not  you
notify  us  that  he  or  she  will  be  using  it.  If  someone  else  is
authorized to use your account and you want to end that person's
privilege, you must notify us in writing, and if he or she has a Card,
you  must  return  that  Card  with  your  written  notice  for  it  to  be
effective.
Ownership of Card. Your Card remains our property and may be
cancelled by us at any time without notice. You agree to surrender
your Card and to discontinue use of the account immediately upon
our request.
Interest  Charges.  You  agree  to  pay  interest  at  the  rate(s)
disclosed to you at the time you open your account and as may be
changed  from  time  to  time  in  accordance  with  applicable  law.
Average  Daily  Balance  including  new  transactions:  Interest
Charges  will  accrue  on  your  average  daily  balance  outstanding
during  the  month.  To get  the  average  daily  balance,  we  take  the
beginning  balance  each  day,  add  any  new  purchases,  cash
advances,  balance  transfers  or  other  advances,  and  subtract  any
payments, unpaid interest charges, and unpaid late charges. This
gives us the daily balance. Then, we add up all the daily balances
for  the  billing  cycle  and  divide  that  by  the  number  of  days  in  the
billing  cycle.  We 
the  periodic  rate
corresponding to the Annual Percentage Rate on your account. If
you have different rates for purchases, cash advances or balance
transfers,  separate  average  daily  balances  for  each  will  be
calculated  and  the  appropriate  periodic  rate  is  then  applied  to
each.
Grace  Period  on  Purchases  Only: Your  due  date  is  at  least  25
days after the close of each billing cycle (at least 23 days for billing
cycles that begin in February). We will not charge you any interest
on purchases if you pay your entire balance by the due date each
month.  Otherwise, 
the  new  balance  of  your  account,  and
subsequent  advances  from  the  date  they  are  posted  to  the
account,  will  be  subject  to  an  Interest  Charge.  You cannot  avoid
Interest Charges on cash advances and balance transfers; even if
you  pay  the  entire  cash  advance  balance  or  balance  transfer
balance  by  the  payment  due  date,  you  will  incur  the  Interest
Charges  accrued  from  the  date  the  cash  advance  or  balance
transfer is posted to your account.
Fees.  In  addition  to  the  Interest  Charges  set  forth  above,  you

then  multiply 

that  by 

agree to also pay any and all fees that you incur as disclosed to you
on  your Truth-in-Lending Statement  or  similar  disclosures  (as  may
be  amended  from  time  to  time),  or  as  disclosed  to  you  during  the
term of your Card.
If Your Card is Lost or Stolen or if an Unauthorized Use Occurs.
You agree to notify us immediately if your Card is ever lost or stolen
or  if  an  unauthorized  use  may  have  occurred.  "Unauthorized  use"
means  the  use  of  the  Card  by  someone  other  than  you  who  does
not  have  actual,  implied  or  apparent  authority  for  such  use,  and
from which you receive no benefit. The telephone number to call is
(800)  991-4965.  You  agree  to  follow  up  your  call  with  notice  in
writing  to  us  at:  Envision  Credit  Union,  440  North  Monroe  Street,
Tallahassee, FL 32301. You also  agree  to  assist  us  in  determining
the facts, circumstances and other pertinent information relating to
any  loss,  theft  or  possible  unauthorized  use  of  your  Card  and
comply with such procedures as we may require in connection with
our investigation. You will be liable for any unauthorized use only if
we  can  prove  that  you  were  grossly  negligent  in  your  use  or
handling of your Card, or if we can prove that you used your Card
fraudulently.
Minimum  Payment  Due;  Crediting  of  Payments.  Payments  are
due  in  the  amount  and  on  the  date  disclosed  on  your  billing
statement. If your payment is received by us on a business day at
the address and by the time designated on the billing statement, it
will be credited to your account on the date of receipt. If payment is
made  at  any  location  other  than  the  address  designated  on  the
periodic  statement,  credit  for  such  payment  may  be  delayed  up  to
five (5) days. Payments will be applied in any order we determine,
subject to applicable law.
Default; Acceleration; Credit Suspension; Collection Costs. You
will be in default if: (1) you fail to make any payment on time; (2) if
you fail to keep any promises you have made under this Agreement
or  under  other Agreements  you  have  with  us;  (3)  if  you  die;  (4)  if
you  file  a  petition  in  bankruptcy  or  have  a  bankruptcy  petition  filed
against  you,  or 
insolvency,
receivership or custodial proceeding; (5) if anyone attempts to take
any  of  your  funds  held  by  us  via  legal  process  or  if  you  have  a
judgment  or  tax  lien  filed  against  you;  (6)  if  you  make  any  false,
inaccurate,  or  misleading  statements  in  any  credit  application  or
credit update; or (7) if we, in good faith, believe that your ability to
repay  what  you  owe  is  or  soon  will  be  impaired,  or  that  you  are
unwilling to make your payments.
If  you  are  in  default,  we  have  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
interest  charges  and  fees  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.  You  agree  to  pay  all  reasonable
costs  of  collection,  including  court  costs  and  attorney's  fees,  and
any costs incurred in the recovery of the Card, subject to applicable
law. 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.
Additional  Benefits/Card  Enhancements.  We  may  from  time  to
time  offer additional  services  to  your Account  at  no  additional  cost
to  you.  You  understand  that  we  are  not  obligated  to  offer  such
services and may withdraw or change them at any time.
Convenience Checks. We  may, at our discretion, issue checks to
you  which  may  be  used  for  any  purpose  other  than  making  a
payment  for  credit  to  your  account.  By  signing  such  check,  you
authorize us to pay the item for the amount indicated and post such
amount as a cash advance to your account. We do not have to pay
any  item  which  would  cause  the  outstanding  balance  in  your
account to exceed your credit limit.

if  you  become 

involved 

in  any 

Credit  Information.  We  may  from  time  to  time  request  personal
information  from  you  or  obtain  credit  reports  from  the  credit
reporting  agencies  for  the  purpose  of  updating  your  credit  status.
Your failure to provide such information when requested by us may
result  in  suspension  of  credit  privileges  under  this  Agreement,
including your ability to obtain any future advances by any means.
You authorize us to investigate your credit standing when opening
or reviewing your account. You authorize us to disclose information
regarding your account to credit bureau and creditors who inquire
about your credit standing.

Foreign  Transactions;  Currency  Conversion. Purchases  and
cash  advances  made  in  foreign  currencies  will  be  billed  to  you  in
U.S. dollars. The conversion rate in dollars will be a rate selected
by the card company from a range of rates available in wholesale
currency markets for the applicable central processing date, which
rate may vary from the rate the card company itself receives, or the
government-mandated  rate  in  effect  for  the  applicable  central
processing  date  in  each  instance.  All  transactions  processed
outside  of 
internet
transactions)  will  be  charged  a  foreign  transaction  fee  in  the
(as
amount  disclosed  on  your  Truth-in-Lending  Statement 
amended from time to time).

the  United  States  (which  may 

include 

Termination;  Change-in-Terms.  We  may,  by  written  notice,
terminate  this  Agreement  at  any  time,  subject  to  applicable  law.
You may  terminate  this Agreement  by  written  notice.  Termination
by either party shall not affect your obligation to repay any balance
on your account resulting from use of the Card as well as Interest
Charges  and  fees  incurred.  We  may  change  the  terms  of  this
Agreement, including the method of calculating the periodic rate, at
any  time,  by  written  notice,  subject  to  applicable  law. Use  of  the
Card  constitutes  agreement  and  acceptance  of  any  change  in
terms,  unless  applicable  law  requires  otherwise.  Our  failure  to
exercise any of our rights or to take any action shall not constitute
a waiver of those rights, or an amendment or change in any of the
terms of this Agreement.

Late or Partial Payments. Any payment that delays the reduction
of  your  balance  will  increase  your  total  interest  costs.  Partial
payments  or  prepayments  will  not  delay  your  next  scheduled
payment  -  you  will  still  need  to  make  the  minimum  scheduled
payment  by  the  next  scheduled  due  date  to  keep  your  account
current.  We  may  accept  late  payments,  partial  payments,  checks
or money orders marked "payment in full" and such action shall not
constitute  final  settlement  of  your  account  or  a  waiver  or
forgiveness of any amounts owing under this Agreement.

Enforcement. We  do not lose our rights under this or any related
agreement  if  we  delay  enforcing  them.  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.

Returns and Adjustments. Merchants  and others who honor the
Card may give credit for returns or adjustments, and they will do so
by submitting a credit slip which will be posted to your account. If
your  credits  and  payments  exceed  what  you  owe  us,  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 or verbal request.

Merchant Disputes. We are not responsible for the refusal of any
merchant  or  financial  institution  to  honor  your  Card. Also,  we  are
not  responsible  for  goods  or  services  that  you  purchase  with  the
Card  unless:  (a)  your  purchase  was  made  in  response  to  an
advertisement  we  sent  or  participated  in  sending  you;  or  (b)  your
purchase cost more than $50 and was made from a plan merchant
in your state or within 100 miles of your home; and only if you have
(cid:9)