191 Ella Grasso Turnpike  
                                               Windsor Locks, CT 06096  
                                             (800) 544-4728 (860) 627-4200  
                                           Fax: (860) 627-4224 www.360fcu.org  
                                                          
     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� and �we� means the Credit 
     Union whose name appears on this Agreement or anyone to whom the Credit Union transfers this Agreement. This Agreement become s effective once you are approved for an 
     account. You agree to its terms by using your account.   
       
     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. 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 Your Card. You may use your Card to make purchases from merchants and others who accept VISA Cards. However, you may not use your Card to initiate any type of 
     electronic gambling transaction through the Internet. 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). You can activate your card and set your PIN by calling the telephone number on the sticker on the front of your card. You agree that you will not use your Card for any 
     transaction that is illegal under applicable federal, state or local law.  
       
     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 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 D ue Date of that statement; otherwise a finance charge 
     will accrue from the date a purchase is posted to your account. To avoid any additional finance charges on the balance of purchases, you must pay the entire New Balance on the 
     billing statement by the Payment Due Date of that statement, unless there was also cash advance transaction (which includes balance transfers and convenience check transactions) 
     within the same statement cycle, in which case the grace period ends. Finance charges begin to accrue on cash advances from the date you get the cash advance, there is no grace 
     period. Finance charges will also begin to accrue immediately on all balances including purchases when a cash advance transaction (including balance transfers and convenience 
     check transactions) is performed during the statement cycle.  
       
           
           
          a.  All VISA Credit Card Accounts as of December 1, 2009 have variable interest rates. The Annual Percentage Rate or APR, which is a variable rate will be effective and 
             changed semi-annually on the 1st of November and the 1st of May and is determined by adding the margin assigned to your account to the Index. The Index is the 
             Prime Rate (currently at 3.50%) as published in the Wall Street Journal on the first business day of the calendar month immediately preceding the change date as 
             previously described. For example, the index rate published on the first business day of October plus the margin assigned to your Account will determine the ANNUAL 
             PERCENTAGE RATE or APR that will apply during the billing cycles that begin in November and continue until the next semi-annual change. The index published 
             on the first business day of April plus the margin assigned to your Account will determine the ANNUAL PERCENTAGE RATE or APR that will apply during the 
             billing cycles that begin in May and will continue until the next semi-annual change.  
                1.  VISA Credit Card Accounts opened prior to June 15, 2016; before you became obligated the Credit Union disclosed to you whether your Account was 
                  Classic or Platinum, the margin that is assigned to your account, along with the current variable ANNUAL PERCENTAGE RATE or APR and corresponding 
                  Monthly Periodic Rate. The margin assigned to your Account is 9% for Platinum cards and 10% for Classic cards. The floor on the APR will be equal to the 
                  margin for each type of card, in other words the APR on the Platinum card can never be lower than 9% and can never be lower than 10% for the Classic card. 
                  In no event will the ANNUAL PERCENTAGE RATE applicable to your Account exceed 18%. The ANNUAL PRECENTAGE RATE or APR is the same 
                  for Cash Advance and Balance Transfers.  
                2.  VISA Secured Classic Credit Card Accounts opened on or after June 15, 2016; before you became obligated the Credit Union disclosed to you the margin 
                  that is assigned to your account, along with the current variable ANNUAL PERCENTAGE RATE or APR and corresponding Monthly Per iodic Rate. The 
                  margin assigned to your Account is 10%. The floor limit on the APR can never be lower than 10%. In no event will the ANNUAL PERCENTAGE RATE 
                  applicable to your Account exceed 18%. The ANNUAL PRECENTAGE RATE or APR is the same for Cash Advance and Balance Transfers.  
                3.  VISA Platinum Credit Card Accounts opened on or after June 15, 2016; your ANNUAL PERCENTAGE RATE or APR will be based upon your credit 
                  history and credit score, and determined by adding the margin of 6.45%, 8.45%, 10.45%, 12.45%, or 14.45% to the Prime Rate. The floor on the APR will be 
                  equal to the margin. In no event will the ANNUAL PERCENTAGE RATE applicable to your Account exceed 18%. The ANNUAL PRECENTAGE RATE 
                  or APR is the same for Cash Advance and Balance Transfers.  
                   
     The finance charge is calculated separately for purchases and cash advances. For purchases, the finance charge is computed by applying the monthly periodic rate to the average 
     daily balance of purchases. To get 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. Then, we add all 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 monthly periodic rate to the average daily balance of cash advances. To get 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. Then, we add all 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.   
     The monthly periodic rates and ANNUAL PERCENTAGE RATES will be disclosed on the Visa Credit Card Rate & Fee Disclosure on our Visa application. This Disclosure is 
     available in paper form at any branch or via e-mail, or in electronic form at www.360fcu.org.  
       
     5. Other Charges. The following other charges (fees) will be added to your Account see the Visa Credit Card Rate & Fee Disclosure, as applicable:  
          a. Over the Credit Limit Fee: You may be charged a fee on a statement date if your New Balance on that date, less any fees imposed during the cycle, is over your credit 
          limit. You may be charged the fee each subsequent month until your New Balance on the statement date, less any fees imposed during the cycle, is below your credit limit 
          but will not exceed two additional consecutive billing cycles for a total of three billing cycle unless another transaction is made which is over the limit. You will only be 
          charged this fee if you have signed up for the Credit Limit Protection program and have given us permission to bring your account over the limit.  
          b. Late Payment Fee: A late charge will be added to your account if you are late in making a payment.  
          c. Returned Payment Fee: If a check, share draft or other form of payment such as ACH or electronic transfer, used to make a payment on your account is returned unpaid, 
          you will be charged a fee for each item returned.  
          d. Transaction Fee for Cash Advance: You may be charged a fee for each cash advance transaction during the statement cycle.  
          e. Card Replacement Fee: You will be charged for each replacement card that is issued to you for any reason.  
          f. Document Copy Fee: You will be charged for each copy of a sales draft (transactions receipts) 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: You agree to pay all costs of collecting the amount you owe under this Agreement, including reasonable attorney fees not in excess of 15% of any 
          judgment and all court cost.  
          h. RUSH Fee: Overnight card order  
       
     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 twenty-five (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 twenty-five (25) days from the statement closing 
     date. 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% of your Total New Balance, or $15.00, 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. All payments must be made in U.S. currency.  
     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 VISA card account, you grant the Credit Union a purchase money security agreement interest under the Uniform Commercial Code 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 b een paid for. 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. In addition, 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 now or in the future 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.  
       
     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 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.  
      
     10. Liability for Unauthorized Use-Lost/Stolen Card Notification. You agree to notify us immediately, orally or in writing to Card Services, P.O. Box 3112, Tampa, FL 33631-
     3112 or telephone (800) 449-7728 twenty-four (24) hours a day, seven (7) days a week, 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. You will have no 
     liability for unauthorized purchases made with your credit card, unless you are grossly negligent in the handling of your card. In any case, your liability will not exceed $50.  
       
     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. If permitted by law and specified in the notice to you, the change may or may not apply to your existing Acco unt 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 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).  
       
     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 (6) 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 currencies will be debited from your account in U.S. dollars. The exchange rate between the transaction 
     currency and the billing currency used for processing international transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the 
     applicable central processing date, which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing rate. The 
     exchange 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.   
     A fee of 1% of the amount of the transaction, calculated in U.S. dollars, will be imposed on all foreign transactions, including purchases, cash advances and credits to your account. 
     A foreign transaction is any transaction that you complete or a merchant completes on your card outside of the U.S., Puerto Rico or the U.S. Virgin Islands.  
      
     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 par ticipated in sending to you; or (b) your purchase cost 
     more than $50 and was made in your state or within one hundred (100) miles of your home.  
       
     17. Joint Accounts. If this is a joint Account, each person on the Account agrees to the terms of this Agreement by using the account. Each of yo u 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.   
       
     18. 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.  
       
     19. No Waiver. The Credit Union can delay enforcing any of its rights any number of times without losing them.  
       
     20. Statements and Notices. Statements and notices will be mailed to you at the most recent address you have given the Credit Union. Notice sent to any o ne of you will be 
     considered notice to all.  
       
     21. Final Expression. This Agreement is the final expression of the terms and conditions of this VISA line of credit between you and the Credit Union. This written Agreement may 
     not be contradicted by evidence of any alleged oral agreement.  
       
     22. Signatures. You authorize the use of electronic signatures, facsimile signatures and photocopied signatures. For all purposes said signatures to have the same force an effect as 
     original signatures for all transactions included in applications or agreements with us.  
       
     23. Acknowledgments. If we go to court for any reason, you agree and understand that we can use a copy, filmed or electronic of any periodic statement, this agreement or any 
     facsimile signature to prove what you owe us or that a transaction has taken place. Such copies shall have the same validity as the original.   
       
      
      
      
      
     Your acceptance and use and/or allowing your card to be used is your agreement to all of the terms and statements in this Agreement. You acknowledge that you have received a 
     copy of the Agreement.  
      
     YOUR BILLING RIGHTS  
     Keep ThisNoticeForFutureUse  
       
          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 PSCU Financial Services, P.O. Box 3112, Tampa, FL 33631-3112 on 
          a separate sheet at the address listed on your bill. Write to us as soon as possible. We must hear from you no later than sixty (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.  
       
     If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the 
     payment your letter must reach us three (3) business days before the automatic payment is scheduled to occur.  
     Your Rights and Our Responsibilities After We Receive Your Written Notice we must acknowledge your letter within thirty (30) days, unless we have corrected the error by then. 
     Within ninety (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 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 (10) 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 don�t follow these rules, we can�t collect the first $50 of the questioned amount, even if your bill was correct.  
     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 (2) limitations on this right:  
          (a) You must have made the purchase in your home state or, if not within your home state, within one hundred (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.  
       
       
        
     M-118812 Effective 06/15/2016