1st Advantage Federal Credit Union 
1st Advantage Federal Credit Union 
VISA Signature Credit Card Agreement 
VISA Signature Credit Card Agreement 

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M-123304
M-123304

In this Agreement the words “you” and “your” mean each and all of those who apply for the card or who sign this Agreement, “Card” means the Visa Signature Credit Card and duplicates 
and renewals we issue. Everyone who receives, signs, or uses a card issued under this Agreement must be a member of the Credit Union. “Account” means your Visa Signature Credit Card 
In this Agreement the words “you” and “your” mean each and all of those who apply for the card or who sign this Agreement, “Card” means the Visa Signature Credit Card and duplicates 
Line of Credit Account with us. “We,” “us,” and “issuer” mean this Credit Union (or Credit Union Designee). 
and renewals we issue. Everyone who receives, signs, or uses a card issued under this Agreement must be a member of the Credit Union. “Account” means your Visa Signature Credit Card 
Line of Credit Account with us. “We,” “us,” and “issuer” mean this Credit Union (or Credit Union Designee). 
1. Responsibility: If we issue a card, you agree to repay all debts, related fees, and the Finance Charge arising from the use of the card and the card account. For example, you are responsible 
for charges made by  yourself, your spouse, and minor children. You are also responsible for charges made by anyone else to whom you give the card. Your obligation to pay the account 
1. Responsibility: If we issue a card, you agree to repay all debts, related fees, and the Finance Charge arising from the use of the card and the card account. For example, you are responsible 
balance continues even though an agreement, divorce decree or judgment to which we are not a party may direct you or one of the other persons responsible to pay the account. Any person 
for charges made by  yourself, your spouse, and minor children. You are also responsible for charges made by anyone else to whom you give the card. Your obligation to pay the account 
using the card is jointly responsible with you for charges he or she makes, but if that person signs the card he or she becomes a party to this Agreement and is also jointly responsible for all 
balance continues even though an agreement, divorce decree or judgment to which we are not a party may direct you or one of the other persons responsible to pay the account. Any person 
charges on the account, including yours. 
using the card is jointly responsible with you for charges he or she makes, but if that person signs the card he or she becomes a party to this Agreement and is also jointly responsible for all 
charges on the account, including yours. 
2. Credit Line: If we approve your application, we will establish a self-replenishing Line of Credit for you and notify you of its account when we issue the card. You agree not to let the account 
balance exceed this approved Credit Line. Each payment you make on the account will restore your Credit Line by the amount of the payment which is applied to the principal. You may 
2. Credit Line: If we approve your application, we will establish a self-replenishing Line of Credit for you and notify you of its account when we issue the card. You agree not to let the account 
request an increase in your Credit Line only by written application to us, which must be approved by our Loan Team. By giving you written notice, our Loan Team may reduce your Credit 
balance exceed this approved Credit Line. Each payment you make on the account will restore your Credit Line by the amount of the payment which is applied to the principal. You may 
Line from time to time, or with good cause, revoke your card and terminate this Agreement. Good cause includes your failure to comply with this Agreement or our adverse reevaluation of 
request an increase in your Credit Line only by written application to us, which must be approved by our Loan Team. By giving you written notice, our Loan Team may reduce your Credit 
your  credit  worthiness. You may  also  terminate  this Agreement  at  any  time; termination  by  either  of  us does not affect  your  obligation to pay  the  account balance. The  cards  remain  our 
Line from time to time, or with good cause, revoke your card and terminate this Agreement. Good cause includes your failure to comply with this Agreement or our adverse reevaluation of 
property and you must recover and surrender to us all cards upon request and upon termination of this Agreement.
your  credit  worthiness. You may  also  terminate  this Agreement  at  any  time; termination  by  either  of  us does not affect  your  obligation to pay  the  account balance. The  cards  remain  our 
property and you must recover and surrender to us all cards upon request and upon termination of this Agreement.
3. Using the Card: Any financial service provided by 1st Advantage Federal Credit Union may be used for any transaction permitted by law. You agree that illegal use of any financial service
will be deemed an action of default and/or breach of contract and such service and/or other related services may be terminated at 1st Advantage Federal Credit Union’s discretion. You fur- ther 
3. Using the Card: Any financial service provided by 1st Advantage Federal Credit Union may be used for any transaction permitted by law. You agree that illegal use of any financial service
agree, should illegal use occur, to waive the right to sue 1st Advantage Federal Credit Union for such illegal activity directly or indirectly related to it. You also agree to indemnify and hold 1st 
will be deemed an action of default and/or breach of contract and such service and/or other related services may be terminated at 1st Advantage Federal Credit Union’s discretion. You fur- ther 
Advantage Federal Credit Union harmless from any suits or other legal action or liability directly or indirectly resulting from such illegal use.  To make a purchase or cash advance, present the 
agree, should illegal use occur, to waive the right to sue 1st Advantage Federal Credit Union for such illegal activity directly or indirectly related to it. You also agree to indemnify and hold 1st 
card to a participating VISA plan merchant, to us or to another financial institution and sign the cash advance voucher which will be imprinted with your card. You will receive a copy of the 
Advantage Federal Credit Union harmless from any suits or other legal action or liability directly or indirectly resulting from such illegal use.  To make a purchase or cash advance, present the 
voucher, which you should retain to verify your monthly statement. We reserve the right to make a reasonable charge for each photostatic copy you may request.
card to a participating VISA plan merchant, to us or to another financial institution and sign the cash advance voucher which will be imprinted with your card. You will receive a copy of the 
voucher, which you should retain to verify your monthly statement. We reserve the right to make a reasonable charge for each photostatic copy you may request.
4. Foreign Transaction Fee  (FTF):   Purchases and cash withdrawals 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 Visa. The rate Visa uses for a particular transaction is the rate 
4. Foreign Transaction Fee  (FTF):   Purchases and cash withdrawals made in foreign currencies will be debited from your account in U.S. dollars. The exchange rate used to convert foreign 
Visa  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 
currency transactions to U.S. dollars is either a government-mandated exchange rate or a wholesale exchange rate and is selected by Visa. The rate Visa uses for a particular transaction is the rate 
account. A fee of up to 1% 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. A fee of 
Visa  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 
up  to  1%  will  be  charged  on  all transactions  completed in  a  foreign  currency. All  fees  are calculated based  on the transaction amount  after it  is converted  to  U.S. dollars. These  fees  are 
account. A fee of up to 1% 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. A fee of 
5.    Finance Charge In order to avoid a finance charge on purchases made since your last statement date, you must pay the Total New Balance shown on your statement within 25 days of the 
charged except where excluded. 
statement closing date. Otherwise, finance charge on purchases will be calculated from the beginning of the next statement period on previously billed but unpaid purchases from the date 
up  to  1%  will  be  charged  on  all transactions  completed in  a  foreign  currency. All  fees  are calculated based  on the transaction amount  after it  is converted  to  U.S. dollars. These  fees  are 
5.    Finance Charge In order to avoid a finance charge on purchases made since your last statement date, you must pay the Total New Balance shown on your statement within 25 days of the 
they are posted to your account. Cash advances are always subject to finance charge from the date of the transaction. The FINANCE CHARGE (ANNUAL PERCENTAGE RATE) is 
charged except where excluded. 
FINANCE  CHARGE: In order to avoid a finance charge on purchases made since your last statement date, you must pay the Total new Balance shown on your statement within 25 days of the
5.
statement closing date. Otherwise, finance charge on purchases will be calculated from the beginning of the next statement period on previously billed but unpaid purchases from the date 
they are posted to your account. Cash advances are always subject to finance charge from the date of the transaction. The FINANCE CHARGE (ANNUAL PERCENTAGE RATE) is 
statement closing date.  Otherwise, finance charges on purchases will be calculated from the beginning of the next statement period on previously billed but unpaid purchases from the date they 
FINANCE  CHARGE: In order to avoid a finance charge on purchases made since your last statement date, you must pay the Total new Balance shown on your statement within 25 days of the
5.
are posted to your account.  Cash advances are always subject to finance charges from the date of the transaction.  Your Interest rate is based on certain credit-worthiness criteria, and 
statement closing date.  Otherwise, finance charges on purchases will be calculated from the beginning of the next statement period on previously billed but unpaid purchases from the date they 
are posted to your account.  Cash advances are always subject to finance charges from the date of the transaction.  Your Interest rate is based on certain credit-worthiness criteria, and 

calculated by adding 6.5%-14.5% (the “spread”) to the Prime rate (the “index”) in effect on the first business day of the month immediately preceding January 1, April 1, 
calculated by adding 6.5%-14.5% (the “spread”) to the Prime rate (the “index”) in effect on the first business day of the month immediately preceding January 1, April 1, 
may  be reviewed annually based on credit history.  The Finance Charge (ANNUAL PERCENTAGE RATE) is calculated by adding 6.9%-14.9% (the  “spread”) to the 
may  be reviewed annually based on credit history.  The Finance Charge (ANNUAL PERCENTAGE RATE) is calculated by adding 6.9%-14.9% (the  “spread”) to the 

July 1, and October 1. The Finance Charge  will be applied to the average principal daily balances of purchase and cash advances of your account. If the index increases or decreases, the 
ANNUAL PERCENTAGE RATE and monthly periodic rate will increase and decrease for all existing balances on each January 1, April 1, July 1, and October 1. Because your minimum 
July 1, and October 1. The Finance Charge  will be applied to the average principal daily balances of purchase and cash advances of your account. If the index increases or decreases, the 
(the “spread”) to the Prime Rate (the “index”) in effect on the first business day of the month immediately preceding January 1, April 
payment remains the same, any increase in the ANNUAL PERCENTAGE RATE will increase the number of your payments, but will not increase the amount of your payments. We figure 
Prime rate (the “index”) in effect at the time of the review. The Finance Charge will be applied to the average principal daily balances of purchase and cash advances of your account.   The 
ANNUAL PERCENTAGE RATE and monthly periodic rate will increase and decrease for all existing balances on each January 1, April 1, July 1, and October 1. Because your minimum 
the Finance Charge  on your account by applying the periodic rate to the “average daily balance” of your account (including current transactions). To get the “average daily balance” we 
index  will  be  reviewed  and  adjusted  quarterly.   If  the  index  increases  or  decreases,  the  ANNUAL PERCENTAGE  RATE  and  monthly  periodic  rate  will  increase  and decrease for an 
payment remains the same, any increase in the ANNUAL PERCENTAGE RATE will increase the number of your payments, but will not increase the amount of your payments. We figure 
Prime rate (the “index”) in effect at the time of the review. The Finance Charge will be applied to the average principal daily balances of purchase and cash advances of your account.   The 
take the beginning balance of your account each day, add any new purchases and cash advances, excluding unpaid finance charges, and subtract any payments or credits. 
existing balance (fixed rate balances prior to variable rate conversion are grandfathered from index increases and decreases).   We figure the Finance Charge on your account by applying the 
the Finance Charge  on your account by applying the periodic rate to the “average daily balance” of your account (including current transactions). To get the “average daily balance” we 
index  will  be  reviewed  and  adjusted  quarterly.   If  the  index  increases  or  decreases,  the  ANNUAL PERCENTAGE  RATE  and  monthly  periodic  rate  will  increase  and decrease for an 
monthly periodic rate to the “average daily balance” of your account (including current transactions).  To get the “average daily balance” we take the beginning balance of your account each 
take the beginning balance of your account each day, add any new purchases and cash advances, excluding unpaid finance charges, and subtract any payments or credits. 
existing balance (fixed rate balances prior to variable rate conversion are grandfathered from index increases and decreases).   We figure the Finance Charge on your account by applying the 
day,  add  any  new  purchases  and  cash  advances,  excluding  unpaid  finance  charges,  and  subtract  any  payments  or  credits.   This  gives  us  the  daily  balance. Then we add up all the daily 
monthly periodic rate to the “average daily balance” of your account (including current transactions).  To get the “average daily balance” we take the beginning balance of your account each 
balances for the billing cycle and divide the total by the number of days in the billing cycle.  This gives us the “average daily balance.”   
day,  add  any  new  purchases  and  cash  advances,  excluding  unpaid  finance  charges,  and  subtract  any  payments  or  credits.   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.  This gives us the “average daily balance.”   
6.  FEES: 
•
6.  FEES: 
•
•
•
•
•
•
•

$5.00 per card - replacement of card fee on Lost/Stolen or damaged card. 
$25.00 - return Check fee for a check returned for nonpayment on your VISA account. 
$5.00 per card - replacement of card fee on Lost/Stolen or damaged card. 
$25.00 - Late payment fee, 10 days after due date. 
$25.00 - return Check fee for a check returned for nonpayment on your VISA account. 
1% of Amount After Conversion - Foreign Transaction Fee. 
$25.00 - Late payment fee, 10 days after due date. 
1% of Amount After Conversion - Foreign Transaction Fee. 

(the “spread”) to the Prime Rate (the “index”) in effect on the first business day of the month immediately preceding January 1, April 

7. NO USE: Inactive Visa accounts that have no purchase or cash activity may be closed without notice to you after 18 months of no activity.

7. NO USE: Inactive Visa accounts that have no purchase or cash activity may be closed without notice to you after 18 months of no activity.
8. Monthly: Issuer will send to Cardholder, at monthly intervals determined by the Issuer, a statement reflecting for the prior monthly period all Visa Card and Related Card transactions. Such 
statement shall be deemed correct and accepted by the Cardholder and all holders of Related Cards unless Issuer is notified to the contract in writing within 60 days of mailing such statement. 
8. Monthly: Issuer will send to Cardholder, at monthly intervals determined by the Issuer, a statement reflecting for the prior monthly period all Visa Card and Related Card transactions. Such 
Each month you must pay at least the minimum payment shown on your statement within 25 days of the statement closing date. This Line of Credit will be repaid as follows: either the full 
statement shall be deemed correct and accepted by the Cardholder and all holders of Related Cards unless Issuer is notified to the contract in writing within 60 days of mailing such statement. 
amount billed shall be paid or at your option an installment equal to at least the required minimum balance billed. The required minimum monthly payment shall be the greater of (a) $25.00
Each month you must pay at least the minimum payment shown on your statement within 25 days of the statement closing date. This Line of Credit will be repaid as follows: either the full 
(b) 3% of that portion of the outstanding balance that does not exceed your credit limit, plus any amount due. 
amount billed shall be paid or at your option an installment equal to at least the required minimum balance billed. The required minimum monthly payment shall be the greater of (a) $25.00
(b) 3% of that portion of the outstanding balance that does not exceed your credit limit, plus any amount due. 
8a.  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. 

11.  Interest Rate Adjustment (default Rate): 1st Advantage Federal Credit Union will adjust the interest rate on your account whenever your account is two (2) Minimum day of the  

11.  Interest Rate Adjustment (default Rate): 1st Advantage Federal Credit Union will adjust the interest rate on your account whenever your account is two (2) Minimum day of the  

8a.  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. 
Security Interest:  Payments on your Account are secured by any security interest in any property securing your other obligations to the Credit Union, whether existing now or in 
9.
the future, except your household goods and your primary residence. Further, you hereby grant Credit Union security interest in all property purchased through this credit plan, 
Security Interest:  Payments on your Account are secured by any security interest in any property securing your other obligations to the Credit Union, whether existing now or in 
9.
including a purchase-money security interest in any household goods purchased with an extension of credit upon this account. Also, you hereby grant Credit Union a pledge of all 
the future, except your household goods and your primary residence. Further, you hereby grant Credit Union security interest in all property purchased through this credit plan, 
shares and any other deposits which you have or may have in the future with the Credit Union, except for any deposit in an IRA or Keogh account. These security interests shall 
including a purchase-money security interest in any household goods purchased with an extension of credit upon this account. Also, you hereby grant Credit Union a pledge of all 
secure faithful performance of all obligations arising under this Agreement, and the Credit Union shall have all of the rights of a secured party in accordance with the Virginia 
shares and any other deposits which you have or may have in the future with the Credit Union, except for any deposit in an IRA or Keogh account. These security interests shall 
Commercial Code and other applicable law. 
secure faithful performance of all obligations arising under this Agreement, and the Credit Union shall have all of the rights of a secured party in accordance with the Virginia 
Commercial Code and other applicable law. 
10. Default: You will be in default if: (a) you fail to pay the Minimum Payment Due by the Payment Due Date: (b) if the Credit Union, in good faith, believes your ability to pay your account 
is impaired: (c) your ability to repay is materially reduced by a change in your employment, by an increase in your obligations, by bankruptcy or insolvency proceedings involving you, by 
10. Default: You will be in default if: (a) you fail to pay the Minimum Payment Due by the Payment Due Date: (b) if the Credit Union, in good faith, believes your ability to pay your account 
your death, or (for community property state residents only) by a change in marital status or domicile: (d) you exceed your credit limit without our permission: (e) you have made a false or 
is impaired: (c) your ability to repay is materially reduced by a change in your employment, by an increase in your obligations, by bankruptcy or insolvency proceedings involving you, by 
misleading statement to us in your application or otherwise: (f) you are in default under any other agreement with us: or (g) you fail to perform any of your other obligations under the terms of 
your death, or (for community property state residents only) by a change in marital status or domicile: (d) you exceed your credit limit without our permission: (e) you have made a false or 
this Agreement as it may be amended. Upon default we may close your Account to future purchases and advances and, to the extent not prohibited by Governing Law,  demand immediate 
misleading statement to us in your application or otherwise: (f) you are in default under any other agreement with us: or (g) you fail to perform any of your other obligations under the terms of 
payment of your entire Account balance, after giving you any notice and opportunity to cure the default if required by applicable law. 
this Agreement as it may be amended. Upon default we may close your Account to future purchases and advances and, to the extent not prohibited by Governing Law,  demand immediate 
payment of your entire Account balance, after giving you any notice and opportunity to cure the default if required by applicable law. 
11.
Interest Rate Adjustment (Default Rate): 1st Advantage Federal Credit Union will adjust the interest rate on your account whenever your account is two (2) Minimum Payments past due during 
any six (6) month period.. We will change your interest rate (including any promotional rate) to a fixed rate of 18.00% ANNUAL PERCENTAGE RATE,, which is a monthly periodic rate of 
11.
Interest Rate Adjustment (Default Rate): 1st Advantage Federal Credit Union will adjust the interest rate on your account whenever your account is two (2) Minimum Payments past due during 
1.50000%, on the first day of the billing cycle following that has two (2) Minimum Payments past due. After twelve (12) consecutive billing cycles of your account being paid pursuant to the 
any six (6) month period.. We will change your interest rate (including any promotional rate) to a fixed rate of 18.00% ANNUAL PERCENTAGE RATE,, which is a monthly periodic rate of 
terms of your agreements with the Credit Union, we will change the interest rate to the rate that is then applicable to your account, which will become effective on the first day of the billing 
1.50000%, on the first day of the billing cycle following that has two (2) Minimum Payments past due. After twelve (12) consecutive billing cycles of your account being paid pursuant to the 
cycle following the twelfth consecutive billing cycle.
terms of your agreements with the Credit Union, we will change the interest rate to the rate that is then applicable to your account, which will become effective on the first day of the billing 
cycle following the twelfth consecutive billing cycle.
12. Member Liability: You agree to notify us immediately, orally or in writing, at 1st Advantage FCU, Box 2116, Newport News, VA 23609-0116 (800-359-7650 or 757-877-2444) 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 
12. Member Liability: You agree to notify us immediately, orally or in writing, at 1st Advantage FCU, Box 2116, Newport News, VA 23609-0116 (800-359-7650 or 757-877-2444) of the loss, 
loss, theft, or possible unauthorized use. In any case your liability will not exceed $50 for unauthorized cash advances at ATMs. You will have no liability for unauthorized purchases made
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 
with your credit card. If you report your card Lost/Stolen, it is your responsibility to destroy any remaining cards with that number. If you find the Lost/Stolen card you should destroy the 
loss, theft, or possible unauthorized use. In any case your liability will not exceed $50 for unauthorized cash advances at ATMs. You will have no liability for unauthorized purchases made
card and notify the Credit Union (or Credit Union Designee). If you see the card and it is recovered by an authorized VISA merchant (because it appears on the Revoked Card List or the 
with your credit card. If you report your card Lost/Stolen, it is your responsibility to destroy any remaining cards with that number. If you find the Lost/Stolen card you should destroy the 
VISA Center tells the merchant to pick up card) then you will be liable for any fees or rewards resulting from your unauthorized use of the card. 
card and notify the Credit Union (or Credit Union Designee). If you see the card and it is recovered by an authorized VISA merchant (because it appears on the Revoked Card List or the 
VISA Center tells the merchant to pick up card) then you will be liable for any fees or rewards resulting from your unauthorized use of the card. 

 
 
 
 
 
 
13.  Collection Costs: You agree to pay all costs incurred by the Credit Union in collecting any amounts you owe or in enforcing or protecting the Credit Union rights under this Agreement, 
including attorney’s fees and also those costs, expenses and attorney’s fees incurred in any appellate, bankruptcy and post-judgment proceedings, except as limited or prohibited by  
appli ca b le law. 

14.  Effect of Agreement: This Agreement is the contract which applies to all transactions on your account even though the sales, cash advance or credit slips you sign may contain different 
terms. We  may  amend  this Agreement  from  time  to  time by  sending  you  the advance  written  notice  required  by  law. Your  use  of  the  card  thereafter  will  indicate  your  agreement  to  the 
amendments. To the extent the law permits and we indicate in our notice, amendments will apply to your existing account balance as well as to future transactions. 

15.  Military Lending Act (MLA):  Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, 
the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the 
credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other 
than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).  To obtain an oral 
disclosure, please call 800-359-7650. 

ADDITIONAL TERMS OF VISA® AGREEMENT 
To the extent not prohibited by applicable law, the terms, interpretation and enforcement of any claim or dispute arising under this Agreement, as  well  as  all  parties’ rights  and 
duties,  will  be  governed  by  Virginia  law  regardless  where  you  may  reside  or  use  your  account.  Further,  this  Agreement  is  the  contract  which  governs  all  transactions  on  your 
Account even though sales, cash advances, credit or other slips may contain different terms. You may not transfer or assign your Account or Card to any other person. The Credit 
Union may assign or transfer this Account, your Account balance, or this Agreement to another person, who will have all of our rights hereunder. This Agreement is binding on your 
heirs and legal representatives. If there are joint obligors or authorized users for this credit plan, each of you will have the right to use the Account to obtain loans pursuant to the 
terms hereof. Each of you will be liable for all obligations owing on the Account whether borrowed by you or otherwise and whether within or beyond the credit limit. Your liability 
will be joint and several. Either party has the right to cancel this Agreement. Further, each of you are responsible for all amounts borrowed by any authorized users and other users 
may also be required to repay the amount owed for charges they make; however, you remain, at all times, primarily responsible for all amounts owed. All Cards, billing statements 
and notices will be mailed or delivered to the address given on the application for either applicant unless you direct otherwise in writing. If any law or judicial ruling makes any 
provision of this Agreement unenforceable, the other provisions will remain in full force and effect. You agree that your Account will also be subject to all rules and regulations of 
VISA U.S.A., Inc. as applicable. If there is any conflict between this Agreement and the rules and regulations of VISA U.S.A., Inc., the rules and regulations of VISA U.S.A., Inc., will 
control. 
LIMITATIONS OF  LAWSUITS: You agree that any lawsuit based on a cause of action against us must be filed within one year from the date it arises, or you shall be barred from 
filing any lawsuit. This limitation includes tort, contract and all other causes of action for which you and we may lawfully contract to limit as set forth in this Agreement. 

YOUR BILLING RIGHTS 
KEEP THIS NOTICE FOR FUTURE USE 

This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. Notify us in case of errors or questions about your bill. 

If you think your bill is wrong, or if you need more information about a transaction on your bill, write us on a separate sheet at the following address and send to Customer Service, PO Box 
31112, Tampa, FL 33631-3112, or call at 1-800-654-7728. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or 
problem appeared. You can telephone us, but doing so will not preserve your rights. 

In your letter, give us the following information: 
•       Your name and account number. 
•       The dollar amount of the suspected error. 
•       Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the Item you are not sure about. 

YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE 
We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the bill was correct. 
•       After we receive your letter, we cannot try to collect any amount you question, or report you as a delinquent. We can continue to bill you for the amount you question, including finance 
charges, and we can apply an unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts 
of your bill that are not in question. 

•       If we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount. If we didn’t make a mistake, you may have to pay finance 
charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. 

•       If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten days telling us that 
you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you the name of anyone we reported you to. We must tell anyone 
we report you to that the matter has been settled between us when it finally is. 

•       If we do n ot follow t hese rules, we cannot collect the fi rst $50 of the questioned amount, even if your bill was c orrect. Furthermore, the Credit Union has no liability for any t ort or related 

claims arising from such purchases. 

SPECIAL RULE FOR CREDIT CARD PURCHASES 
If you have a problem with the quality of property or services that you purchased with a 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 property or services. There are two limitations on this right: (a) You must have made the purchase in your home state or, if not within your 
home state, within 100 miles of your current mailing address; and (b) The purchase price must have been more than $50. These limitations do not apply if we own or operate the merchant, or 
if we mailed you the advertisement for the property or services. 

VISA SIGNATURE REWARDS 
1.    CU Rewards Program: You will earn one point for each dollar in net purchases on your 1st Advantage Visa Signature account. No points are earned for cash advances or balance transfers. 
You will earn points if you remain a cardholder in good standing and your account is maintained according to the terms of this agreement. Points earned from net purchases and point 
adjustments made between billing cycles will be deemed as earned after being posted to your next monthly card statement. If your account is overlimit or delinquent, you will not accrue 
points and we have the option to withdraw points previously earned. Points will begin accruing again once the account is no longer delinquent or overlimit. You may not earn points on past 
net purchases if your account was delinquent and/or overlimit at the time purchases were made. Points are non-transferable and are forfeited in the event the account is closed. Points earned 
from other bonus programs you may be enrolled in at another financial institution cannot be combined with points earned from this program. 

2.    Accruing Points: CU Rewards points will accrue over 5 calendar years and will expire on a first-in, first-out basis annually (i.e., points earned in calendar year one will expire on the last 
business day of calendar year five). CU Rewards points may not be exchanged for cash or credit, may not be used with any other offer, promotion or discount, cannot be combined with 
cash to obtain a gift/travel award and cannot be transferred from or to any other charge or credit accounts. 

3.    Redemption  of CU  Rewards  Points:  Points  earned  are  redeemable  for merchandise and  travel  rewards  described  in  the current  brochure or  the program website  CURewards.com. You 
may select merchandise/travel rewards from any level, subject to availability, as long as you have the necessary number of points posted to your account as of your previous month’s card 
statement. All travel rewards are subject to specific terms and conditions. Airline tickets are not refundable nor may they be returned to the program for a credit of points to the original 
account. Tickets are non-changeable unless permitted by the airline issuing the ticket. Point requirements assigned to any award are subject to change from time to time without notice and 
merchandise/travel may be substituted at any time. Applicable manufacturer’s warranties, if any, will be included with merchandise. 1st Advantage FCU makes no product representations 
or warranties, expressed or implied, and disclaim any and all liabilities as to the condition, quality, merchantability or fitness for a particular purpose of products and/or services provided 
through this program. 

4.    Disclosure of Points: Your periodic billing statement will normally include the number of bonus points, subject to adjustment as provided for in these rules. Rewards points will be deducted 
from your current total of rewards points for corresponding retail purchase returns posted to your card account. Your credit card may be charged for the difference in the event you have 
already redeemed unearned rewards points. 

5.    Errors :  Despite 1s t  Ad vantage FCU’s best effort s t o  ensure accuracy, printin g errors occasionally occu r. We r eserve t h e righ t    t o  correct such errors at any t ime, even i f i t affect s an existing 

order. 

6.    Other Disclosures: 1st Advantage FCU may, from time to time, find it necessary to change the program rules, regulations, benefits, conditions of participation, or point levels, in whole or 
in part, with or without notice. Changes may affect the points already accumulated. 1st Advantage FCU reserves the right to terminate the program for any or all of its credit card programs 
at any time. A complete list of Program Rules is available at the program website. 

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