3.  PROMISE  TO  PAY  —  You  promise  to  pay  all  charges  (purchases,  cash  advances,  balance  transfers,  use  of 
convenience checks or any other charge) made to your account by you or anyone you authorize to use your account. You 
also promise 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,  the paragraph on JOINT ACCOUNTS also 
applies to your account. 
4.  PERIODIC  RATES  —  The  periodic  rates  applicable  to  purchases,  cash  advances,  and  balance  transfers  are 
disclosed on the Disclosure that accompanies this Agreement. Any penalty rate that may be imposed for failing to make a 
payment  by  the  payment  due  date  is  also  disclosed  on  the  Disclosure.  Any  rate  change  will  be  made  pursuant  to 
applicable law. If the rate for your account is variable, as indicated on the accompanying Disclosure, the rate charged on 
purchases,  cash  advances,  balance  transfers  and  any  penalty  rate  will  vary  periodically  as  disclosed  in  the  Disclosure 
accompanying this  Agreement. The initial rate on  your account for certain types of transactions may be  an introductory 
discounted rate (Introductory Rate) that is lower than the rate that would ordinarily apply for that type of transaction. If  an 
Introductory Rate applies to your account, the rates and the period of time  it will be effective is shown on the Disclosure 
accompanying this Agreement. After the Introductory Rate period expires, the  periodic rate will automatically increase to 
the rates that would ordinarily apply for that type of transaction based on the terms of this Agreement.  
5.  FINANCE CHARGES — New purchases posted to your account during a billing cycle will not incur a finance charge 
for that billing cycle  if  you  had a  zero  or credit  balance at the  beginning of that billing cycle, or  you  paid the entire new 
balance on the previous cycle's billing statement by the payment due date of that statement; otherwise a finance charge 
will accrue from the date a purchase is posted to your account. To avoid an additional finance charge on the balance of 
purchases,  you must pay the entire new balance on the billing statement by the payment due date of that statement. A 
finance charge begins to accrue on cash advances from the date  you get 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 (transaction date). 
The  finance  charge  is  calculated  separately  for  purchases  and  cash  advances.  For  purchases,  the  finance  charge  is 
computed by applying the periodic rate to the average daily balance of purchases. To calculate the average daily balance 
of purchases, we take the beginning outstanding balance of purchases each day, add any new purchases, and subtract 
any  payments  and/or  credits.  This  gives  us  the  daily  balance  of  purchases.  We  then  add  all  of  the  daily  balances  of 
purchases for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the 
average daily balance of purchases.  
For  cash  advances,  the  finance  charge  is  computed  by  applying  the  periodic  rate  to  the  average  daily  balance  of  cash 
advances. To calculate the average daily balance of cash advances, we take the beginning outstanding balance of cash 
advances each day, add in any new cash advances, and subtract any payments and/or credits that we apply to the cash 
advance  balance.  This  gives  us  the  daily  balance  of  cash  advances.  We  then  add  all  of  the  daily  balances  of  cash 
advances  for  the  billing  cycle  together  and  divide  the  total  by  the  number  of  days  in  the  billing  cycle.  This  gives  us  the 
average daily balance of cash advances. Balance transfers are calculated in the same manner as cash advances. 
6.  FOREIGN TRANSACTIONS — Purchases and cash advances made in foreign currencies will be debited from your 
account  in  U.S.  dollars.  The  exchange  rate  used  to  convert  foreign  currency  transactions  to  U.S.  dollars  is  either  a 
government-mandated exchange rate or a wholesale exchange rate and is selected by MasterCard. The rate MasterCard 
uses for a particular transaction is the rate MasterCard selects for the applicable currency on the day  the transaction is 
processed.  This  rate  may  differ  from  the  rate  applicable  on  the  date  the  transaction  occurred  or  was  posted  to  your 
account. 
A fee (finance charge) will be charged on all transactions completed outside of the United States, where the cardholder’s 
country code differs from the merchant’s country code. All fees are calculated based on the transaction amount after it is 
converted to U.S. dollars. These fees are charged except where excluded. The Foreign Transaction Fee is set forth on the 
Disclosure accompanying this Agreement. 
7.  FEES — In addition to the periodic rate, the following additional fees may be imposed on your account. If applicable to 
your  account,  the  fee  amounts  and  explanations  are  disclosed  on  the  Disclosure  accompanying  this  Agreement.  Your 
account may also be subject to additional fees as set forth on the Disclosure accompanying this Agreement. 
a.  Annual Fee. If  your  account is subject to an Annual  Fee, the fee  will be  charged to  your account. The fee may  be 
charged each year until your account is closed and/or paid in full. 
b.  Balance Transfer Fee (Finance Charge). If your account is subject to a Balance Transfer Fee (finance charge), the 
fee  as  disclosed  on  the  Disclosure  accompanying  this  Agreement  will  be  charged  to  your  account  when  you  transfer  a 
balance from an account of another creditor to the account subject to this Agreement. 
c.  Cash  Advance Fee (Finance Charge). If your account is subject to a Cash Advance Fee (finance charge), the fee 
will  be  charged  to  your  account  when  you  obtain  a  cash  advance  from  an  ATM,  the  Credit  Union  or  other  financial 
institution.  
d.  Foreign  Transaction  Fee  (Finance  Charge).  If  your  account  is  subject  to  a  Foreign  Transaction  Fee  (finance 
charge), a fee may be charged to your account for transactions made outside of the United States or in a foreign currency.  

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e.  Late Payment Fee. If your account is subject to a Late Payment Fee, the fee will be  charged to your account when 
you do not make the required minimum payment by or within the number of days of the statement Payment Due Date set 
forth on the Disclosure accompanying this Agreement. 
f.  Returned  Payment  Fee.  If  your  account  is  subject  to  a  Returned  Payment  Fee,  the  fee  will  be  charged  to  your 
account when a payment is returned for any reason. 
g.  Statement Copy Fee. If  your account  is subject to a Statement Copy Fee,  except as limited by applicable law  and 
when  the  request  is  made  in  connection  with  a  billing  error  made  by  the  Credit  Union,  a  fee  may  be  charged  to  your 
account for each copy of a sales draft or statement that you request. 
h.  Document Copy Fee. If your account is subject to a Document Copy Fee, except as limited by applicable law, a fee 
may be charged to your account 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). 
i.  Rush Fee. If your account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to your 
account  for  each  rush  card  that  you  request,  providing  delivery  of  the  card  is  also  available  by  standard  mail  service, 
without paying a fee for delivery. 
j.  Card  Replacement  Fee.  If  your  account  is  subject  to  a  Card  Replacement  Fee,  a  fee  will  be  charged  for  each 
replacement card that is issued to you for any reason. 
k.  Expedited Payments Fee. If your account is subject to the Expedited Payments Fee, a fee will be charged to your 
account as disclosed on the Disclosure accompanying this Agreement. 
8.  PAYMENTS  —  Each  month  you  must  pay  at  least  the  minimum  payment  shown  on  your  statement  by  the  date 
specified  on  the  statement.  You  may  pay  more  frequently,  pay  more  than  the  minimum  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  2.00%  of  your  total  new 
balance,  or  $25.00,  whichever  is  greater,  plus  the  amount  of  any  prior  minimum  payments  that  you  have  not  made,  all 
outstanding  unpaid  fees  and  charges,  and  any  amount  you  are  over  your  credit  limit  by  the  date  specified  on  the 
statement. The Credit Union also has the right to demand immediate payment of any amount by which you are over your 
credit limit. In accordance with applicable law, the Credit Union may not post payments to your account or reflect them in 
your available credit limit on the date they are received.  The Credit Union may delay replenishing your credit limit until the 
date the payment is posted or the Credit Union confirms the payment has cleared.  
9.  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. However, in every case, in the event you make a payment in excess of 
the  required  minimum  periodic  payment,  the  Credit  Union  will  allocate  the  excess  amount  first  to  the  balance  with  the 
highest annual percentage rate and any remaining portion to the other balances in descending order based on applicable 
annual percentage rate.  
10.  SECURITY  INTEREST  —  You  grant  the  Credit  Union  a  security  interest  under  the  Uniform  Commercial  Code  and 
under  any  common  law  rights  the  Credit  Union  may  have  in  any  goods  you  purchase.  If  you  give  the  Credit  Union  a 
specific pledge of shares by signing a separate pledge of shares, your pledged shares will secure your account. You may 
not withdraw amounts that have been specifically pledged to secure your account until the Credit Union agrees to release 
all or part of the pledged amount.  

Your Account is secured by all other shares you have in any individual or joint account with the Credit Union, 
except  for  shares  in  an  Individual  Retirement  Account  or  in  any  other  account  that  would  lose  special  tax 
treatment under state or federal law if given as security. These other shares may be withdrawn unless you are 
in default under this agreement. You authorize the Credit Union to apply the balance in your individual or joint 
share accounts to pay any amounts due on your Account if you should default. 

Collateral securing other loans you have with the Credit Union may also secure this loan, except that a dwelling will never 
be considered as security for this account, notwithstanding anything to the contrary in any other agreement.  
11.  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  charges  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. 
In the event that any suit is filed against the Credit Union with respect to this Agreement, or any credit card issued under 
this Agreement, the suit shall only be brought in the courts of the state of Florida. 

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12.  LIABILITY  FOR  UNAUTHORIZED  USE-LOST/STOLEN  CARD  NOTIFICATION  —  You  agree  to  notify  us 
immediately,  orally  or  in  writing,  at  Customer  Service,  PO  Box  31112,  Tampa,  FL  33631-3112  or  telephone  (800)  449-
7728 seven (7) days a week, 24 hours a day, of the loss, theft, or unauthorized use of your credit card. You may be liable 
for the unauthorized use of your credit card.  You will not be liable for unauthorized use that occurs after you notify us of 
the loss, theft, or possible unauthorized use. However, if you exercise reasonable care in safeguarding your card from risk 
of loss or theft and, upon discovering the loss or theft promptly report the loss or theft to us, you will not be liable for any 
unauthorized transactions. In any case, your liability will not exceed $50.00.  
13.  CHANGING OR TERMINATING YOUR ACCOUNT — As permitted by law, the Credit Union may change the terms 
of this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with 
applicable  law.  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. 
Your obligation to pay the account balance plus any finance and other charges you owe under this agreement are subject 
to  all  applicable  laws  and  regulations  regarding  repayment  requirements.  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. If this is a joint 
account, the paragraph on JOINT ACCOUNTS of this Agreement also applies to termination of the account.  
14.  CHANGING  OR  TERMINATING  AUTHORIZED  USERS  —  Upon  your  request,  we  may  issue  additional  cards  for 
authorized  users  that  you  designate.  You  must  notify  us  in  writing  of  any  termination  of  an  authorized  user's  right  to 
access  your  account.  Your  letter  must  include  the  name  of  the  authorized  user  and  your  account  number  and/or  any 
subaccount  number  issued  to  the  authorized  user  along  with  the  authorized  user's  card  and  any  convenience  or  other 
access checks issued to the authorized user. If you cannot return the authorized user's card or access checks and if you 
request your account to be closed, we will close your account and you may apply for a new account. 
15.  CREDIT REVIEW  AND  RELEASE OF 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. If your account is eligible for emergency 
cash  and/or  emergency  card  replacement  services,  and  you  request  such  services,  you  agree  that  we  may  provide 
personal information about you and your account that is necessary to provide you with the requested service(s). 
16.  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  $1.00  or  more,  it  will  be  refunded  upon  your  written  request  or 
automatically after six months. 
17.  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. 
18.  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 than $50.00 and was made in your state or within 
100 miles of your home. 
19.  JOINT ACCOUNTS — If this is a joint account, each  of you  will be individually and jointly responsible for paying all 
amounts owed under this Agreement. This means that the Credit Union can require any one of you individually to repay 
the entire amount owed under this Agreement. Each of you authorizes the other(s) to make purchases or cash advances 
individually. Any one of you may terminate the account and the termination will be effective as to all of you. 
20.  EFFECT OF AGREEMENT — This Agreement is the contract which applies to all transactions on your account even 
though the sales, cash advances, credit or other slips you sign or receive may contain different terms. 
21.  NO WAIVER — The Credit Union can delay enforcing any of its rights any number of times without losing them. 
22.  STATEMENTS  AND  NOTICES  —  Statements  and  notices  will  be  mailed  or  delivered  to  you  at  the  appropriate 
address you have given the Credit Union. Notice sent to any one of you will be considered notice to all.  
23.  SEVERABILITY  AND  FINAL  EXPRESSION  —  This  Agreement  and  the  Disclosure  are  the  final  expression  of  the 
terms and conditions of your account. This written Agreement and Disclosure may not be contradicted by evidence of any 
alleged oral agreement. Should any part of this Agreement or the  Disclosure be found to be invalid or unenforceable, all 

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other  parts  of  this  Agreement  and  Disclosure  shall  remain  in  effect  and  fully  enforceable  to  the  fullest  extent  possible 
under this Agreement. 
24.  COPY RECEIVED — You acknowledge that you have received a copy of this Agreement and Disclosure. 
25.  INTERNET  GAMBLING  TRANSACTIONS  PROHIBITED  —  You  may  not  use  your  card  to  initiate  any  type  of 
electronic gambling transaction through the Internet. 
26.  PENALTY RATE DISCLOSURES  — If applicable to your account, all rates for your account, including the rates for 
purchases, cash advances, and balance transfers, will increase to the Penalty Rate  when  you meet one or more of the 
conditions  as set forth  in  the Disclosure accompanying this  Agreement. Any rate increases applied to  your account are 
subject to applicable notice requirements. Please refer to the Disclosure for additional information regarding the Penalty 
Rate. 
27.  VOLUNTARY PAYMENT PROTECTION — We may offer Voluntary Payment Protection to you. Voluntary Payment 
Protection is not necessary to obtain credit. If  you purchase Voluntary  Payment  Protection from us,  you authorize us to 
add  the  fees  or  insurance  charges  monthly  to  your  loan  balance  and  charge  you  interest  on  the  entire  balance.  At  our 
option we will change your payment or the period of time necessary to repay the loan balance. The rate used to determine 
the  fees  or  insurance  charges  may  change  in  the  future.  If  the  rate  changes,  we  will  provide  any  notices  required  by 
applicable law.  
28.  NOTICE TO UTAH BORROWERS — This written agreement is a final expression of the agreement between you and 
the Credit Union. This written agreement may not be contradicted by evidence of any oral agreement. 
29.  THE  FOLLOWING  IS  REQUIRED  BY  VERMONT  LAW  —  NOTICE  TO  CO-SIGNER  —  YOUR  SIGNATURE  ON 
THIS  NOTE  MEANS  THAT  YOU  ARE  EQUALLY  LIABLE  FOR  REPAYMENT  OF  THIS  LOAN.  IF  THE  BORROWER 
DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. 

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 the address listed on your statement. 
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 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 or electronically. 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. 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 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.  

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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. 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.) 

  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 or electronically at 
the address 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. 

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