15. No Waiver. The Credit Union can delay enforcing any of its rights 
any number of times without losing them.

16.  Statement  and  Notices.  You  will  receive  a  statement  each 
month showing transactions on your account. Statements and notices 
will be mailed to you at the most recent address you have given us, or  
notification that your e-statement is ready will be emailed to the most 
recent email address you have given us. You are responsible for notifying 
the Credit Union directly of any change of mailing or email address.

17.  Personal  Identification  Number  (PIN).  We  will  furnish  you 
with a Personal Identification Number (PIN). You agree to keep the 
PIN secret. You also agree you won’t write the PIN on the Visa® card or 
anything you keep with the Visa® card. You agree that your use of the 
PIN and Visa® card in getting a cash advance or making a purchase 
constitutes your signature for purposes of such transaction.

18. YOUR BILLING RIGHTS
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 address 
listed on your bill. 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.

If you have authorized us to pay your credit card bill automatically 
from  your  savings  or  checking  account,  you  can  stop  payment  on 
any amount you think is wrong. To stop payment, your letter must 
reach  us  three  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  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 delinquent. We can continue to bill you for 
the amount you question, including finance charges, and we can apply 
any 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 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. We must tell you the name of anyone we report to that the matter 
has been settled between us when resolved.

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:

1.  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 area.

2.  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.

19. CURewards
•  You  will  earn  one  point  for  each  dollar  in  net  purchases.  No  points 
  will be earned for cash advances, balance transfers or convenience checks.

•  You will earn points if you remain a cardholder in good standing and  
  your  account  is  maintained  according  to  the  terms  of  the  account.  
  If your account is delinquent or overlimit, you will not accrue points, and we  
  have  the  option  to  withdraw  points  previously  earned.  Points  begin  
  accruing again once the account is no longer delinquent or overlimit.

•  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 institution cannot be combined with this program.

•  Points  earned  on  Visa®  Signature  are  redeemable  for  travel,  
  merchandise and cash back rewards.

•  Points  earned  on  Visa®  Platinum  are  redeemable  for  travel,  
  merchandise and gift card rewards.

•  Please  see  Program  Rules  and  Conditions  for  specific  details  on  
  redemption of points for travel, merchandise or cash. Program Rules  
  and Conditions are available by request or at www.CURewards.com.

•  Points will expire four years from the end of the calendar year in   
  which  they  are  earned,  and  will  expire  on  a  first-in,  first-out  basis  
  annually. (e.g. Points earned in calendar year one will expire on the  
  last business day of calendar year five.)

Federally insured by NCUA. Equal Housing Opportunity

12/14    M-111207

VISA® SIGNATURE AND VISA® PLATINUM 
AGREEMENT AND DISCLOSURE

In this Agreement the words you and your mean each and all of those 
who signed the application and any or all individuals you authorize to 
use this card. Card means a Visa® credit card and any duplicates and 
renewals the Credit Union issues. Account means your Visa® credit card 
line or credit account with the Credit Union. Credit Union means the 
Credit Union whose name appears on this application, agreement or 
credit disclosure statement.

1.  Using  the  Account.  If  you  are  approved  for  a Visa®  account,  the 
Credit  Union  will  establish  a  line  of  credit  for  you  and  notify  you  of 
its  amount  when  the  card  is  sent  to  you. You  agree  not  to  let  your  
account balance exceed your approved credit limit. Each payment you 
make  on  the  account  will  restore  your  credit  limit  by  the  amount  of 
the payment, which is applied to the principal amount of purchases 
and  cash  advances. You  may  request  an  increase  in  your  credit  limit 
by  calling  800-232-3642.  The  new  limit  must  be  approved  by  the  
Credit  Union. The  Credit  Union  has  the  right  to  reduce  or  terminate 
your credit limit at anytime.

2. Using the Card. You may use the card issued to you to make purchases,  
not to exceed your available credit line on your Visa Signature Card, or  
not to exceed either your available credit line or $10,000, whichever is 
less, on your Visa Platinum Card in person, and by mail or telephone 
from  merchants  and  others  who  accept  Visa  cards.  In  addition,  you  
may  obtain  cash  advances  from  the  Credit  Union,  and  from  other  
financial institutions participating in the Visa program, not to exceed  
your available credit line on your Visa Signature Card, or not to exceed 
either  your  available  credit  line  or  $5,000,  whichever  is  less,  on  your 
Visa Platinum Card.  You will need to use your Personal Identification  
Number (PIN) to obtain a cash advance from an ATM. You may not use 
the  card  for  any  illegal  or  unlawful  transaction,  and  we  may  decline 
to  authorize  any  transaction  that  we  believe  poses  an  undue  risk  of 
illegality or unlawfulness.

3. Responsibility. You agree to pay all charges (purchases and cash 
advances) to your account made by you or anyone who you authorized 
to use your account. Your obligation to pay the amount owed on your 
account continues until paid in full even though an agreement, divorce 
decree or other court judgment to which the Credit Union is not a party 
may direct someone else to pay the account balance. If more than one 
person signed the application, each is individually responsible for all 
amounts  owed  on  the  account  and  all  are  jointly  responsible  for  all 
amounts owed. This means the Credit Union can enforce this Agreement 
against any of you individually or all of you together.

4.  Finance  Charges.  Separate  finance  charges  for  purchases  and 
cash advances are determined by multiplying the periodic rate by the  
separate average daily balances for purchases and cash advances. Each 
average daily balance is determined by taking the beginning balance 

(of  cash  advances  or  purchases)  in  your  account  each  day,  adding 
any  new  purchases  or  cash  advances  (whichever  is  applicable)  and  
subtracting any payments or credits. The results are the daily balances.  
All the daily balances for the statement cycle are added and the total 
is divided by the number of days in the statement cycle to arrive at the 
average daily balance for the cycle. Cash advances are always subject 
to a Finance Charge from the date of the transaction.

(a)  Finance  Charge.  The  finance  charge  will  be  figured 
by  applying  the  monthly  periodic  rate  to  the  average  daily   
balance  of  Purchases  and  Cash  Advances.  Your  Annual   
Percentage  Rate  (APR)  is  determined  based  on  your  credit-
worthiness and will be provided to you separately in writing 
at the time your credit card is approved.

Signature APR = Prime + Margin

Prime Rate + 5.00%

Prime Rate + 6.00%

Prime Rate + 8.00%

Prime Rate + 10.00%

Prime Rate + 12.00%

Platinum APR = Prime + Margin

Prime Rate + 5.74%

Prime Rate + 5.74%

Prime Rate + 6.50%

Prime Rate + 9.00%

Prime Rate + 11.00%

Rates  are  variable  and  subject  to  change.  Maximum  APR  is   
18.00%. Your APR will be calculated by adding a margin from 
above  to  the  Prime  Rate  as  correctly  published  in  the  Wall   
Street Journal as of the 15th day of the month immediately 
preceding  the  billing  cycle.  The  Credit  Union  may  adjust 
the rate once each month effective the first day of the billing  
cycle.  APR  changes  will  reflect  on  the  following  month’s   
statement.

(b) How to Avoid Paying Interest on Purchases. A Finance 
Charge will be imposed on Purchases posted during a Billing 
Cycle when the Previous Balance is not paid in full within the 
first  25  days  of  the  Billing  Cycle.  A  Finance  Charge  will  also 
be imposed on Purchases included in the New Balance when 
the  New  Balance  is  not  paid  in  full  within  25  days  after  the 
Closing Date.

(c)  Paying  Interest.  A  Finance  Charge  will  be  imposed  on 
Cash Advances from the date of the transaction to date paid. 
The Finance Charge accrued on the Cash Advances between  
the  Closing  date  of  the  billing  cycle  and  the  date  your   
account is credited will appear on your next statement. There 
is no time period within which to pay to avoid Finance Charges 
on cash advances.

5. Monthly Payment. Each month you must pay at least the minimum 
payment  shown  on  your  statement  by  the  date  specified  on  your 
monthly statement. You may pay more frequently, pay more than the 
minimum payment, or pay the Total New Balance in full. If you make  
extra  payments  or  larger  payments,  you  are  still  required  to  make  at 
least the minimum payment each month your account has a balance. 
Your  minimum  payment  required  each  month  is  disclosed  in  the 
Schumer Box information that was sent with your card, as well as on 
your periodic statement under “Payment Information.” In addition, at 
any time your Total New Balance exceeds your credit limit, you must 
immediately pay the amount over your credit limit.

6.  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 which 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 notice. If immediate payment is demanded, 
you will continue to pay a finance charge, at the periodic rate charged 
before default, until what you owe has been paid, and any shares that 
were  given  as  security  will  be  applied  toward  what  you  owe. To  the 
extent  permitted  by  law,  you  will  also  be  required  to  pay  the  Credit 
Union’s  collection  expenses,  including  court  costs  and  reasonable  
attorneys’ fees.

7.  Liability  for  Unauthorized  Use.  Unless  you  have  been  grossly 
negligent  or  have  engaged  in  fraud,  you  will  not  be  liable  for  any  
unauthorized transactions using your lost or stolen card. This limit on  
liability  does  not  apply  to  ATM  transactions  or  to  transactions  using 
your  Personal  Identification  Number  (PIN)  which  are  not  processed 
by  Visa®,  or  to  commercial  cards.  If  you  are  liable  for  unauthorized  
transactions,  your  liability  will  not  exceed  $50.  In  addition,  even  in 
these circumstances you will not be liable for unauthorized transactions 
that occur after you notify us orally or in writing, of the loss, theft, or 
possible unauthorized use.

8. Lost Card Notification. If you believe the Card or PIN has been lost 
or stolen or that someone has transferred money from your account 
without your permission, call 1-866-820-5852 or write:

Customer Service
P. O. Box 31112
Tampa, FL 33631-3112

9.  Changing  or  Terminating  Your  Account.  The  Credit  Union 
may  change  the  terms  of  the  Agreement  from  time  to  time  
after  giving  you  any  advance  notice  required  by  law.  Your  use  of 
the  card  after  the  effective  date  of  the  new  terms  as  stated  in  the  
notification will indicate your agreement to the change. You will have 
the  option  to  close  your  account  if  you  do  not  agree  with  the  new 
terms.  If  you  close  your  account,  your  minimum  payments  may  be  
affected.  The  change  will  apply  only  to  your  future  transactions.  
Either the Credit Union or you 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. The 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.

10. Credit Information. You authorize the Credit Union to investigate 
your credit standing when opening or reviewing your account. You 
authorize  the  Credit  Union  to  disclose  information  regarding  your  
account to credit bureaus and creditors who inquire about your credit 
standing.

11. Returns and Adjustments. Merchants and others who honor the 
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 amount is less than $5 or more than $500, it will be 
refunded upon your written request. If the amount is between $5 and 
$500, a credit refund check will automatically be mailed to the address 
on record after two consecutive months of no account activity.

12.  Foreign Transactions.  Purchases  and  cash  advances  made  in 
foreign countries and foreign currencies will be billed to you in U.S. 
dollars. The conversion rate to dollars will be made in accordance with 
the  operating  regulations  for  international  transactions  established 
by Visa® International, Inc. “Effective April 2, 2005, the exchange rate 
for international transactions will be a rate selected by Visa® from the 
range  of  rates  available  in  wholesale  currency  markets,  which  may 
vary from the rate Visa® itself receives, or the government-mandated 
rate in effect for the applicable central processing date, plus 1.00%.”

Cross-Border  Transaction  Fee:  In  addition,  Visa®  charges  the  Credit 
Union a Cross-Border Assessment up to 1.00% on each Transaction on 
all Cross-Border Transactions regardless of whether there is a currency 
conversion.  For  purposes  of  this  section, “Cross-Border Transaction” 
shall include both (a) Transactions initiated in a foreign country which 
are  subsequently  settled  in  the  United  States,  and  (b) Transactions  
initiated  in  the  United  States,  but  which  are  ultimately  settled  in  a 
country outside of the United States. The Credit Union will assess these 
fees to you to reimburse it for the fee it is required to pay for each of 
your Transactions subject to these terms. The Cross-Border Transaction  
Fee  will  be  shown  separately  on  your  periodic  billing  statement. 
The Currency Conversion Fee, if it applies to the transaction, will be  
included in the Transaction amount posted on your statement.

13. Merchant Disputes. The Credit Union is not responsible for the 
refusal of any merchant or financial institution to honor the 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 and was made in your state or within 100 miles of your home.

14.  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. You agree to all the terms and charges contained in 
the “Credit Disclosures.”