VISA �CREDIT �CARD �AGREEMENT �
       In �this �Agreement �the �words �"you" �and �"your" �mean �each �and �all �of �those �who �agree �to �be � Purchases �-�The �FINANCE �CHARGE �on �Purchases �is �calculated �in �accordance �with �the �
       bound �by �this �Agreement;? �"Card" �means �the �VISA �credit �card �and �any �duplicates, �renewals, � following �method: �A �FINANCE �CHARGE �will �be �imposed �on �Purchases �only �if �you �elect �not �
       or �substitutions �the �Credit �Union �issues �to �you;? �"Account" �means �your �VISA �credit �card �line � to � pay � the � entire � New � Balance � shown � on � your � monthly � statement � for � the � previous � billing �
       of �credit �account �with �the �Credit �Union, �and �"Credit �Union" �means �the �Credit �Union �whose � cycle �within �twenty �five �(25) �days �from �the �closing �date �of �that �statement. � �
       name � appears � on � this � Agreement � or � anyone � to � whom � the � Credit � Union � transfers � this �
       Agreement. �                           If � you � elect � to � pay � less � than � the � entire � New � Balance � shown � on � your � previous � monthly �
                                              statement �within �that �twenty �five �(25) �day �period, �a �Finance �Charge �will �be �imposed �on �the �
       1. �Using �Your �Account. �If �you �are �approved �for �an �Account, �the �Credit �Union �will �establish average �daily �balance �of �such �Purchases �from �the �previous �statement �closing �date �and �on �
       a �line �of �credit �for �you �and �notify �you �of �your �credit �limit. �You �agree �that �your �credit �limit �is � new �Purchases �from �the �date �of �posting �to �your �account �during �the �current �billing �cycle, �and �
       the �maximum �amount �(purchases, �cash �advances, �finance �charges, �plus �"other �charges") � will �continue �to �accrue �until �the �closing �date �of �the �previous �statement �closing �date �and �on �
       that �you �will �have �outstanding �on �your �Account �at �any �time. �If �you �are �over �your �credit �limit, � new �Purchases �from �the �date �of �posting �to �your �account �during �the �current �billing �cycle, �and �
       you �must �pay �the �amount �you �are �over �before �payments �will �begin �to �restore �your �credit � will �continue �to �accrue �until �the �closing �date �of �the �billing �cycle �preceding �the �date �on �which �
       limit. �You �may �request �an �increase �in �your �credit �limit �only �by �a �method �acceptable �to �the � the �entire �New �Balance �is �paid �in �full �or �until �the �date �of �payment �if �more �than �twenty �five �
       Credit �Union. �The �Credit �Union �has �the �right �to �reduce �your �credit �limit, �refuse �to �make �an � (25) �days �from �the �closing �date.
       advance �and/or �terminate �your �Account �at �any �time �for �any �reason �not �prohibited �by �law.
                                              Balance �Transfers �� �Balance �transfers, �as �permitted �by �Credit �Union �from �time �to �time �in �
       2. � Using � Your � Card. � You � may � use � your � Card � to � make � purchases � from � merchants � and Credit � Union�s � sole � discretion, � will � be � treated � as � Cash � Advances � for � the � purpose � of � all �
       others �who �accept �VISA �Cards. �However, �you �may �not �use �your �Card �to �initiate �any �type �of � FINANCE �CHARGES. �
       electronic �gambling �transaction �through �the �Internet. �A �VISA �card �may �not �be �used �for �any �
       illegal �transaction(s). �Consult �your �legal �counsel �to �determine �the �legality �of �specific �online � 5. �Other �Charges. �The �following �other �charges �(fees) �will �be �added �to �your �Account, �as �
       gambling �transactions. �If �you �wish �to �pay �for �goods �or �services �over �the �Internet, �you �may � applicable: �
       be � required � to � provide � card � member � security � information � before � you � will � be � permitted � to a. �Over-�the-�Credit-�Limit �Fee: �An �over-�the-�limit �fee �will �not �be �imposed. � �In �the �event
       complete �the �transaction. �In �addition, �you �may �obtain �cash �advances �from �the �Credit �Union � you �incur �charges �in �amounts �which �shall �cause �the �account �indebtedness �to �exceed
       and �from �other �financial �institutions �that �accept �VISA �Cards, �and �from �some �automated �teller � the �authorized �credit �limit �by �1%, �you �shall �pay �immediately �the �amount �by �which �the �
       machines �(ATMs). �(Not �all �ATMs �accept �VISA �Cards.) �To �obtain �cash �advances �from �an � total �New �Balance �exceeds �such �maximum �authorized �credit. �
       ATM, �you �must �use �the �Personal �Identification �Number �(PIN) �that �is �issued �to �you �for �use � b. � Late � Payment � Fee: � If � a � payment � of � at � least � the � amount � of � the � minimum � required
       with �your �Card. �                       payment � is � not � received � within � five � (5) � days � of � the � Due � Date � or � cycle � whichever �
                                                 comes �first, �a �late �charge �in �the �amount �of �$25.00 �shall �be �imposed. � �In �no �event �will �
       3. �Responsibility. �You �agree �to �pay �all �charges �(purchases �and �cash �advances) �to �your � your �Late �Payment �Fee �exceed �the �amount �of �your �minimum �payment �due. �
       Account �that �are �made �by �you �or �anyone �whom �you �authorize �to �use �your �Account. �You �also � c. �Return �Check �/Return �Pre-�Authorized �Payments �Fee: �If �you �make �any �payment �on
       agree �to �pay �all �finance �charges �and �other �charges �added �to �your �Account �under �the �terms � your � Account � with � a � check � or � draft � or � through � a � pre-�authorized � payment, � and � that �
       of �this �Agreement �or �another �agreement �you �made �with �the �Credit �Union. �If �this �is �a �joint � check, �draft �or �pre-�authorized �payment �is �returned �to �the �Credit �Union �unpaid �for �any �
       Account, �Section �17 �below �also �applies �to �your �Account. � reason, �your �Account �will �be �charged �a �fee �equal �to �the �lesser �of �$25 �or �the �required �
                                                 minimum � payment. �  � In � no � event � will � your � Return � Check/Return � Pre-�Authorized �
       4. �Finance �Charges. �FINANCE �CHARGES �on �your �Account �are �calculated �by �applying �the Payments �Fee �exceed �the �amount �of �your �minimum �payment �due �immediately �prior �
       applicable � monthly � Periodic � Rate � to � the � average � daily � balances � for � Purchases � and � Cash � to �the �date �on �which �the �payment �was �returned. �
       Advances. �  � Separate � average � daily � balances � are � calculated � for � Purchases � and � Cash � d. �Card �Replacement �Fee: �In �the �event �any �additional �or �replacement �cards �are �issued
       Advances. �Your �monthly �Periodic �Rate �and �corresponding �ANNUAL �PERCENTAGE �RATE � for � any � reason � other � than � the � issuance � of � a � renewal � card, � a � fee � in � the � amount � of �
       for � Purchases, � Balance � Transfers � and � Cash � Advances � are � as � set � forth � in � the � Account � $5.00 �may �be �imposed. �
       Opening �Disclosure �provided �to �you �at �the �time �of �the �delivery �of �this �Agreement, �the �terms � e. �Collection �Costs: �Cardholder �agrees �to �pay �all �costs �incurred �by �issuer �in �collecting
       of �which �are �incorporated �herein �by �reference. � cardholder�s �indebtedness �or �in �enforcing �this �Agreement, �including �attorneys� �fees �
                                                 and �costs, �as �well �as �those �costs, �expenses �and �attorneys� �fees �incurred �in �appellate, �
       To �get �each �average �daily �balance, �the �daily �balances �for �Purchases �and �Cash �Advances � bankruptcy, �and �post-�judgment �proceedings, �except �to �the �extent �such �costs, �fees, �or �
       for �the �billing �cycle �are �added �and �the �totals �are �divided �by �the �number �of �days �in �the �cycle. � � expenses �are �prohibited �by �law. �
       To �get �the �daily �balance �for �Cash �Advances, �new �Cash �Advances �are �added �to �the �day's � f. Balance �Consolidation/Convenience �Check �Stop �Payment �Fee: �$25.00.
       beginning �balance �and �payments, �credits �and �any �unpaid �interest �or �other �finance �charges � g. �Rush �Mail �Fee: �(Priority �Handling) �$25.00. �
       are �subtracted. � �To �get �the �daily �balance �for �Purchases, �new �Purchases �are �added �to �the � h. �Cash �Advance �Transaction �Fee: � �A �cash �advance �transaction �fee �will �not �be �
       day's � beginning � balance � and � payments, � credits � and � any � unpaid � interest � or � other � finance � imposed. �
       charges �are �subtracted;? �however, �new �Purchases �are �not �added �if �you �paid �the �entire �New �
       Balance �for �Purchases �on �your �last �statement �by �the �end �of �the �grace �period �or �if �you �did � 6. � Payments. � Each � month � you � must � pay � at � least � the � minimum � payment � shown � on � your �
       not �have �a �Purchase �balance �on �your �last �statement. � � 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 �
       Cash �Advances �-�The �FINANCE �CHARGE �on �Cash �Advances �is �calculated �in �accordance � Due," �your �payment �is �due �no �later �than �twenty-�five �(25) �days �from �the �statement �closing �
       with �the �following �method: �A �Finance �charge �will �be �imposed �on �Cash �Advances �from �the � date. �You �may �pay �more �frequently, �pay �more �than �the �minimum �payment �or �pay �the �Total �
       date � made � or � from � the � first � day � in � which � the � Cash � Advance � is � posted � to � your � account, � New �Balance �in �full. �If �you �make �extra �or �larger �payments, �you �are �still �required �to �make �at �
       whichever �is �later, �and �will �continue �to �accrue �on �the �average �daily �balance �of �such �Cash � least �the �minimum �payment �each �month �your �Account �has �a �balance �(other �than �a �credit �
       Advances �until �the �balance �is �paid �in �full. �There �is �no �grace �period �on �Cash �Advances. � balance). �The �minimum �payment �is �2% �of �your �Total �New �Balance, �or �$10.00, �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.
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       7. � Payment �Allocation .  � Subject �to �applicable �law, �your �payments �may �be �applied �to �what � 13. � Merchant �Disputes:  � Returns �and �Adjustments . � The �Credit �Union �is �not �responsible �
       you �owe �the �Credit �Union �in �any �manner �the �Credit �Union �chooses.  � �  � for �the �refusal �of �any �merchant �or �financial �insti tution �to �honor �your �Card. � � Merchants �and �
        �                                     others �who �honor �your �Card �may �give �credit �for �returns �or �adjustments, �and �they �will �do �so �
       8. � Security � Interest .  � AS � A � CONDITION � OF � CREDIT � UNION�S � OPENING � YOUR � by �sending �the �Credit �Union �a �credit �slip �which �will �be �posted �to �your �Account. �If �your �credits �
       ACCOUNT �AND �YOUR �USE �OF �THIS �CARD, �YOU �HEREBY �GRANT �TO � CREDIT �UNION � and �payments �exceed �what �yo u �owe �the �Credit �Union, �the �amount �will �be �applied �against �
       A � SECURITY � INTEREST � IN � ALL � SHARES, � DEPOSITS � AND � OTHER � FUNDS � ON � future �purchases �and �cash �advances. �If �the �credit �balance �amount �is �$1 �or �more, �it �will �be �
       DEPOSIT � WITH � CREDIT � UNION � IN � WHICH � YOU � HAVE � AN � OWNERSHIP � INTEREST � refunded �upon �your �written �request �or �automatically �after �three �(3) �months.  �
       (other �than �an �IRA �account �where �this �security �interest �would �cause �the �loss �of �tax -�  �
       exempt � or � tax -� deferred � status) . � THE � SECURITY � INTEREST � IS � FOR � ALL � AMOUNTS � 14. � Additional � Benefits/Card � Enhancements . � The � Credit � Union � may � from � time � to � time �
       OWED �TO �CREDIT �UNION �UNDER �THE �TERMS �OF �THIS �AGREEMENT. �IF �YOU �ARE �IN � offer �additional �services �to �your �Account, �such �as �travel �accident �insurance, �at �no �additional �
       DEFAULT �UNDER �ANY �TERM �OF �THIS �AGREEMENT, �CREDIT �UNION �SHALL �HAVE �A � cost �to �you. �You �understand �that �the �Credit �Union �is �not �obligated �to �offer �such �services �and �
       RIGHT �TO �IMMEDIATELY �SEIZE �YOUR �SHARES, �DEPOSITS �AND/OR �OTHER �FUNDS � may �withdraw �o r �change �them �at �any �time.  �
       WITHOUT  � NOTICE � OR � DEMAND � TO � YOU � AND � TO � APPLY � SUCH � FUNDS � TO � THE �  �
       AMOUNTS � OWED � TO � CREDIT � UNION.  � Collateral � securing � other � loans � you � have � with � � � 15. � Foreign � Transactions . � Transactions � initiated � in � foreign � countries � and/or � foreign �
       Credit �Union �now �or �in �the �future �will �also �secure �this �loan, �except �that �a �dwelling �or �your � currencies �will �be �charged �to �your �Account �in �U.S. �Dollars. �The �conversion �rate �to �dollars �will �
       household �goods �(as �defined �b y �the �Federal �Trade �Commission) �will �not �be �considered �as � be � (a) � a � rate � selected � by � Visa � from � the � range � o f � rates � available � in � wholesale � currency �
       security �for �this �Account, �notwithstanding �anything �to �the �contrary �in �any �other �agreement. �  � markets �for �the �applicable �central �processing �date, �which �rate �may �vary �from �the �rate �Visa �
        �                                     itself � receives, � or � (b) � the � government -� mandated � rate � in � effect � for � the � applicable � central �
       9. � Default .  � You �will �be �in �default �if �you �fail �to �make �any �minimum �payment �or �other �required � processing �date, �in �each �of �the �abo ve �instances, �plus � 1% . � �The �conversion �rate �used �on �the �
       payment �by � the �date �that �it �is �due. �You �will �be �in �default �if �you �break �any �promise �you �make � date �the �foreign �transaction �is �processed �may �differ �from �the �rate �that �would �have �been �used �
       under � this � Agreement. � You � will � be � in � default � if � you � die, � file � for � bankruptcy � or � become � on �the �date �of �the �purchase �and/or �the �transaction �posting �date.  �
       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 � 16. � Severability.  � � In �the �event �that �any � paragraph �of �this �Agreement �or �portion �thereof �is �
       update. �You �will �also �be �in �default �if �something �happens �that �the �Credit �Union �believes �may � held � by � a � court � to � be � invalid � or � unenforceable � for � any � reason, � the � other � paragraphs � and �
       substantially �reduce �your �ability �to �repay �what �you �owe.  � portions �of �the �Agreement �shall �not �be �invalid �or �unenforceable �and �will �continue �in �full �force �
        �                                     and �effect.  �
       When �you �are �i n �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 � 17. � Gover ning �Law.  � � This �Agreement �is �governed �by �the �Bylaws �of �the �Credit �Union, �federal �
       agree �to �continue �paying �finance �charges, �at �the �periodic �rate �charged �before �default, �until  � laws �and �regulations, �and �the �laws �and �regulations �of �the �State �of �Florida, �as �amended �from �
       what �you �owe �has �been �paid, �and �any �shares �that �were �given �as �security �for �your �Account � time �to �time.  �
       may �be �applied �towards �what �you �owe.  �  �
        �                                     18. � Dispute � Resolution.  �  � Any � disputes � regarding � this � Agreement � shall  � be � within � the �
       In �the �event �that �any �suit �is �filed �against �the �Credit �Union �with �respect �to �this �Agreement, �or � jurisdi ction � of � the � court � of � the � count y � in � which � Credit  � U nion �s � principal � place � of � doing �
       any �credit �card �issued �under �this  � Agreement, �the �suit �shall �only �be �brought �in �the �courts �of � business �is �located. � �If �legal �action �is �necessary �to �enforce �this �Agreement �or �collect �any �
       the �state �of �Florida.  �            amounts �owing �to �Credit �Union �or �fees �or �charges �assessed �un der �this �Agreement, �Credit �
        �                                     Union �has �the �right, �subject �to �applicable �law, �to �payment �by �you �of �all �attorney�s �fees �and �
       10. � Liability �for �Unauthorized �Use -� Lost/Stolen �Card �Notification . �You �agree �to �notify �us � costs, �including �fees �on �any �appeal �and �any �post -� judgment �actions. � �You �agree �that �such �
       immediately, �orally �or �in �writing �at �P.O. �Box �11904, �Tampa, �FL �33680 �or �telephone �(8 00) � legal �action �may �be �filed �and �heard �in �the �count  � and �state �in �which �Credit �Union�s �principal �
       645 -� 7728 � twenty � four � (24) � hours � a � day, � seven � (7) � days � a � week, � of � the � loss, � theft, � or � place �of �doing �business �is �located, �if �allowed �by �applicable �law.  �
       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 � 19 . � Joint �Accounts . �If �this �is �a �joint �Account, �each �person �on �the �Account �must �sign �the �
       loss, � theft, � or � possible � unauthorized � use. � You � will � have � no � liability � for � unauthorized � Agreement � (by � signing � on � the � application). � Each � of � you � will � be � individually � and � jointly �
       purchases �made �with �your �credit �card, �unless �you �are �grossly �negligent �in �the �handling �of � responsible �for �paying �all �amounts �owed �under �this �Agreement. �This �means �that �the �Credit �
       your �card. �In �any �case, �your �liability �will �not �exceed �$50.  � 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 �
       11. � Changing  � or �Terminating �Your �Account . �The �Credit �Union �may �change �the �terms �of � individually. �Any �one �of �you �may �terminate �the �Account �and �the �termination �will �be �effective �
       this �Agreement �from �time �to �time. �Notice �of �any �change �will �be �given �in �accordance �with � as �to �all �of �you.  �
       applicable �law. �If �permitted �by �law �and �specified �in �the �notice �to �you, �the �change �wi ll �apply �  �
       to �your �existing �Account �balance �as �well �as �to �future �transactions.  � 20 . � Effect �of �Agreement . �This �Agreement �is �the �contract �which �applies �to �all �transactions �
        �                                     on �your �Account �e ven �though �the �sales, �cash �advances, �credit �or �other �slips �you �sign �or �
       Either �you �or �the �Credit �Union �may �terminate �this �Agreement �at �any �time, �but �termination �by � receive �may �contain �different �terms.  �
       you �or �the �Credit �Union �will �not �affect �your �obligation �to �pay �the �Account �balance �plu s �any �  �
       finance �and �other �charges �you �owe �under �this �Agreement. �You �are �also �responsible �for �all � 21 . � No �Waiver . �The �Credit �Union �can �delay �enforcing �any �of �its �rights �any �number �of �times �
       transactions � made � to � your � Account � after � termination, � unless � the � transactions � were � without �losing �them.  �
       unauthorized. �  �                      �
        �                                     22 . � Statements � and � Notices . � Stateme nts � and � notices � will � be � mailed � to � you � at � the � most �
       The � Card � or � Cards � you � receive � remain � the � property � of � the � Credit  � Union � and � you � must � recent � address � you � have � given � the � Credit � Union. � Notice � sent � to � any � one � of � you � will � be �
       recover �and �surrender �to �the �Credit �Union �all �Cards �upon �request �or �upon �termination �of �this � considered �notice �to �all.  �
       Agreement �whether �by �you �or �the �Credit �Union. � If �and �to �the �extent �permitted �by �applicable �  �
       law, �t he �Credit �Union �has �the �right �to �require �you �t o �pay �your �full �Account �balance �at �any � 2 3 . � Final �Expression . �This �Agreement �is �the �final �expression �of �the �terms �and �conditions �of �
       time �after �your �Account �is �terminated, �whether �it �is �terminated �by �you �or �the �Credit �Union. �If � t his �VISA �line �of �credit �between �you �and �the �Credit �Union. �This �written �Agreement �may �not �
       this � is � a � joint � Account, � Section � 17 � of � this � Agreement � also � applies  � to � termination � of � the � be �contradicted �by �evidence �of �any �alleged �oral �agreement.  �
       account.  �                             �
        �                                     2 4 . � Copy �Received . �You �acknowledge �that �you �have �received �a �copy �of �this �Agreement. �  �
       12. � 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 . � 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 �se rvices(s).  �
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                                                                       Revised � 12/31 /16  �
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