Returns and Adjustments. Merchants and others who honor the Card
may give credit for returns or adjustments, and they will do so by submit-
ting a credit slip which will be posted to your account. If your credits and
payments exceed what you owe us, the amount will be applied against fu-
ture purchases and cash advances. If the credit balance amount is $1 or
more, it will be refunded upon your written or verbal request.

Plan Merchant Disputes. We are not responsible for the refusal of any
plan merchant or financial institution to honor your Card. Also, we are not
responsible for goods or services that you purchase with the Card un-
less: (a) your purchase was made in response to an advertisement we
sent or participated in sending you; or (b) your purchase cost more than
$50 and was made from a plan merchant in your state or within 100 miles
of your home; and only if you have made a good faith attempt, but have
been unable to obtain satisfaction from the plan merchant. You must re-
solve all other disputes directly with the plan merchant. We do not war-
rant any merchandise or services purchased by you with the Card.

Statements and Notices. Statements and notices will be mailed to you
at the most recent postal address or e-mail address (if you have elected
to receive such documents via electronic means) you have given us. No-
tice sent to any one of you will be considered notice to all. 

Notification  of  Address  Change.  You  will  notify  us  promptly  if  you
change your address for any reason. In order to prevent identity theft,
your identity may need to be verified before we act upon the notification.

Copy Received. You acknowledge that you have received a copy of this
Agreement. 

Governing Law. This Agreement shall be construed under federal law
and state law in the state in which we are primarily located, and the venue
shall be located in the county and state in which we are primarily located.
Operating regulations of Visa may also apply. This Agreement is the con-
tract that applies to all transactions even though the sales, cash advance,
convenience check, credit or other slips you sign or receive may contain
different terms.

YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE

This notice tells you about your rights and our responsibilities under the
Fair Credit Billing Act.

What To Do If You Find A Mistake On Your Statement

If you think there is an error on your statement, write to us at the ad-
dress(es) listed on your statement.

In your letter, give us the following information:

1. Your name and account number.

2. The dollar amount of the suspected error.

3. If you think there is an error on your bill, describe what you believe is

wrong and why you believe it is a mistake.

You must contact us:

• Within 60 days after the error appeared on your statement.

• At least 3 business days before an automated payment is scheduled,

if you want to stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing. You may call us, but
if you do, we are not required to investigate any potential errors and you
may have to pay the amount in question.

What Will Happen After We Receive Your Letter

When we receive your letter, we must do two things:

1. Within 30 days of receiving your letter, we must tell you that we received
your letter. We will also tell you if we have already corrected the error.

2. Within 90 days of receiving your letter, we must either correct the error

or explain to you why we believe the bill is correct.

While we investigate whether or not there has been an error:

• We cannot try to collect the amount in question, or report you as delin-

quent on that amount.

• The charge in question may remain on your statement, and we may

continue to charge you interest on that amount.

813•871•2690 or 1•888•871•2690
www.gtefinancial.org

• While you do not have to pay the amount in question, you are re-

VISA CREDIT CARD AGREEMENT

sponsible for the remainder of your balance.

• We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen:

•

•

If we made a mistake: You will not have to pay the amount in question
or any interest or other fees related to that amount.

If we do not believe there was a mistake: You will have to pay the
amount in question, along with applicable interest and fees. We will
send you a statement of the amount you owe and the date payment
is due. We may then report you as delinquent if you do not pay the
amount we think you owe.

If you receive our explanation but still believe your bill is wrong, you must
write to us within 10 days telling us that you still refuse to pay. If you do
so, we cannot report you as delinquent without also reporting that you
are questioning your bill. We must tell you the name of anyone to whom
we reported you as delinquent, and we must let those organizations know
when the matter has been settled between us.

If we do not follow all of the rules above, you do not have to pay the first
$50 of the amount you question even if your bill is correct.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases

If you are dissatisfied with the goods or services that you have purchased
with your credit card, and you have tried in good faith to correct the problem
with the merchant, you may have the right not to pay the remaining amount
due on the purchase. To use this right, all of the following must be true:

1. The purchase must have been made in your home state or within 100
miles of your current mailing address, and the purchase price must
have been more than $50. (Note: Neither of these are necessary if
your purchase was based on an advertisement we mailed to you, or
if we own the company that sold you the goods or services.)

2. You must have used your credit card for the purchase. Purchases
made with cash advances from an ATM or with a check that accesses
your credit card account do not qualify.

3. You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the pur-
chase, contact us in writing at the address(es) listed on your statement.
While we investigate, the same rules apply to the disputed amount as
discussed above. After we finish our investigation, we will tell you our de-
cision. At that point, if we think you owe an amount and you do not pay,
we may report you as delinquent.

10M FI15303 Rev 7-2012

©2005 Securian Financial Group, Inc. All rights reserved.

M-106620

In this Agreement, “You” and “your” mean any person who accepts this
Agreement or uses the Card. The “Card” means any credit card issued
to you or those designated by you under the terms of this Agreement.
“We”, “us”, “our” and the “Credit Union” means GTE Federal Credit Union
or its successors.

SECURITY: YOU SPECIFICALLY GRANT US A CONSENSUAL SE-
CURITY INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS
YOU HAVE WITH US NOW AND IN THE FUTURE TO SECURE RE-
PAYMENT  OF  CREDIT  EXTENDED  UNDER  THIS AGREEMENT.
YOU ALSO AGREE THAT WE HAVE SIMILAR STATUTORY LIEN
RIGHTS UNDER STATE AND/OR FEDERAL LAW. THE GRANTING
OF  THIS  SECURITY  INTEREST  IS  A  CONDITION  FOR  THE  IS-
SUANCE OF CREDIT UNDER THIS AGREEMENT. IF YOU ARE IN
DEFAULT, WE CAN APPLY YOUR SHARES TO THE AMOUNT YOU
OWE. Shares and deposits in an Individual Retirement Account or any
other account that would lose special tax treatment under state or fed-
eral law if given are not subject to this security interest. 

If you have other loans with us, collateral securing such loans may
also secure your obligations under this Agreement, unless that other
collateral is your principal residence or non-purchase money house-
hold goods. 

Using Your Card. You can purchase or lease goods and services from
any merchant who honors your Card, and you may obtain cash advances
from financial institutions and ATM machines that accept the Card, up to
your maximum credit limit. You agree not to present your Card or obtain
a cash advance for any extension of credit in excess of your available
credit limit ; however, if you do exceed your credit limit, you agree to make
immediate payment sufficient to bring the balance below the credit limit.
Certain purchases and cash advances require authorization prior to com-
pletion of the transaction. In some cases, you may be asked to provide
identification. If our system is not working, we may not be able to au-
thorize a transaction, even though you have sufficient credit available.
Also, for security reasons, we may block the use of your Card in certain
countries or geographic areas. We will have no liability to you or others
if any of these events occur.

Personal Identification Number (PIN). We may issue a Personal Iden-
tification Number (PIN) for use with your Card. This PIN is confidential
and should not be disclosed to anyone. You may use your PIN and your

Card to access your account, and all sums advanced will be added to
your account balance. In the event a use of your PIN constitutes an Elec-
tronic Funds Transfer, the terms and conditions of your Electronic Funds
Transfer Agreement may affect your rights.

Promise To Pay. You promise to pay us in U.S. dollars for (a) all pur-
chases, cash advances, and balance transfers made by you or anyone
whom you authorize to use the Card; (b) all Interest Charges and all other
charges or fees; (c) collection costs and attorney’s fees as permitted by
applicable law, and any costs incurred in the recovery of the Card; and
(d) credit in excess of your credit limit that we may extend to you. 

Illegal Transactions. You agree that your Card and account will not be
used to make or facilitate any illegal transactions as determined by ap-
plicable law; and that any such use will constitute an event of default
under this Agreement. We may decline any transaction that we believe
to be illegal under applicable law, including but not limited to any trans-
action involving or relating to any gambling activity. You agree that we
will have no liability or responsibility for any such use by you or any au-
thorized user(s); or for declining any such transaction. You further agree
to indemnify and hold us harmless from any suits, liability, damages or
adverse action of any kind that results directly or indirectly from such il-
legal use. You promise to pay us any and all amounts owing on your Card
for any transactions made by you, even if the transaction is determined
to be illegal.

Joint Accounts. Each of you will be responsible, jointly and severally, for
the repayment of amounts owed, regardless of who initiated any trans-
action under the account.

Others Using Your Account. If you allow anyone else to use your ac-
count, you will be liable for all credit extended to such persons. You prom-
ise to pay for all purchases and advances made by anyone you authorize
to use your account, whether or not you notify us that he or she will be
using it. If someone else is authorized to use your account and you want
to end that person’s privilege, you must notify us in writing, and if he or
she has a Card, you must return that Card with your written notice for it
to be effective. 

Ownership of Card. Your Card remains our property and may be can-
celled by us at any time without notice. You agree to surrender your Card
and to discontinue use of the account immediately upon our request.

Interest Charges. Average Daily Balance including new transactions: In-
terest Charges will accrue on your average daily balance outstanding
during the month. To get the average daily balance, we take the begin-
ning balance each day, add any new purchases, cash advances, balance
transfers or other advances, and subtract any payments, unpaid interest
charges, and unpaid late charges. This gives us the daily balance. Then,
we add up all the daily balances for the billing cycle and divide that by the
number of days in the billing cycle. We then multiply that by the periodic
rate corresponding to the Annual Percentage Rate on your account. If
you have different rates for purchases, cash advances or balance trans-
fers, separate average daily balances for each will be calculated and the
appropriate periodic rate is then applied to each.

Grace Period on Purchases Only: You can avoid Interest Charges on
purchases by paying the full amount of the new balance for purchases each
month by the date on which the payment is due. Otherwise, the new bal-
ance of your account, and subsequent advances from the date they are

posted to the account, will be subject to an Interest Charge. You cannot
avoid Interest Charges on cash advances and balance transfers; even if
you pay the entire cash advance balance or balance transfer balance by the
payment due date, you will incur the Interest Charges accrued from the date
the cash advance or balance transfer is posted to your account. 

Fees. In addition to the Interest Charges set forth above, you agree to
also pay any and all fees that you incur as disclosed to you on your Truth-
in-Lending Statement or similar disclosures (as may be amended from
time to time), or as disclosed to you during the term of your Card.

If Your Card is Lost or Stolen or if an Unauthorized Use Occurs. You
agree to notify us immediately if your Card is ever lost or stolen or if an
unauthorized use may have occurred. “Unauthorized use” means the use
of the Card by someone other than you who does not have actual, implied
or apparent authority for such use, and from which you receive no ben-
efit.  The  telephone  number  to  call  is  813.871.2690  or  toll-free
1.888.871.2690. You agree to follow up your call with notice in writing to
us at: P.O. Box 172599, Tampa, FL 33672-0599. You also agree to assist
us in determining the facts, circumstances and other pertinent informa-
tion relating to any loss, theft or possible unauthorized use of your Card
and comply with such procedures as we may require in connection with
our investigation. You will be liable for any unauthorized use only if we
can prove that you were grossly negligent in your use or handling of your
Card, or if we can prove that you used your Card fraudulently. 

Minimum Payment Due; Crediting of Payments. Payments are due in
the amount and on the date disclosed on your billing statement. If your
payment is received by us on a business day at the address and by the
time designated on the billing statement, it will be credited to your ac-
count on the date of receipt. If payment is made at any location other
than the address designated on the periodic statement, credit for such
payment may be delayed up to five (5) days. The minimum periodic pay-
ment required is 2% of the balance, plus any amount in excess of your
credit limit, plus any amount past due, or $10.00, whichever is greater.

Default; Acceleration; Credit Suspension; Collection Costs. You will
be in default if: (1) you fail to make any payment on time; (2) if you fail to
keep any promises you have made under this Agreement or under other
Agreements you have with us; (3) if you die; (4) if you file a petition in
bankruptcy or have a bankruptcy petition filed against you, or if you be-
come involved in any insolvency, receivership or custodial proceeding; (5)
if anyone attempts to take any of your funds held by us via legal process
or if you have a judgment or tax lien filed against you; (6) if you make
any false, inaccurate, or misleading statements in any credit application
or credit update; or (7) if we, in good faith, believe that your ability to
repay what you owe is or soon will be impaired, or that you are unwilling
to make your payments.

If you are in default, we have 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 interest charges and fees
until what you owe has been paid, and any shares that were given as se-
curity for your account may be applied towards what you owe. You agree
to pay all reasonable costs of collection, including court costs and attor-
ney’s fees, and any costs incurred in the recovery of the Card, subject to
applicable law. Even if your unpaid balance is less than your credit limit,
you will have no credit available during any time that any aspect of your
account is in default. 

Additional Benefits/Card Enhancements. We may from time to time
offer additional services to your Account at no additional cost to you. You
understand that we are not obligated to offer such services and may with-
draw or change them at any time. 

Convenience Checks. We may, at our discretion, issue checks to you
which may be used for any purpose other than making a payment for
credit to your account. By signing such check, you authorize us to pay the
item for the amount indicated and post such amount as a cash advance
to your account. We do not have to pay any item which would cause the
outstanding balance in your account to exceed your credit limit. 

Credit Information. We may from time to time request personal infor-
mation from you or obtain credit reports from the credit reporting agen-
cies for the purpose of updating your credit status. Your failure to provide
such information when requested by us may result in suspension of credit
privileges under this Agreement, including your ability to obtain any future
advances  by  any  means. You  authorize  us  to  investigate  your  credit
standing when opening or reviewing your account. You authorize us to
disclose information regarding your account to credit bureau and credi-
tors who inquire about your credit standing.

Foreign Transactions; Currency Conversion. Purchases and cash ad-
vances made in foreign currencies will be billed to you in U.S. dollars. The
conversion rate in dollars will be a rate selected by the card company from
a range of rates available in wholesale currency markets for the applica-
ble central processing date, which rate may vary from the rate the card
company itself receives, or the government-mandated rate in effect for
the applicable central processing date in each instance. All transactions
processed outside of the United States (which may include internet trans-
actions) will be charged foreign transaction fees in the amount disclosed
on your Truth-in-Lending Statement (as amended from time to time).

Termination; Change-in-Terms. We may, by written notice, terminate
this Agreement at any time, subject to applicable law. You may terminate
this Agreement by written notice. Termination by either party shall not af-
fect your obligation to repay any balance on your account resulting from
use of the Card as well as Interest Charges and fees incurred. We may
change the terms of this Agreement, including the method of calculating
the periodic rate, at any time, by written notice, subject to applicable law.
Use of the Card constitutes agreement and acceptance of any change in
terms, unless applicable law requires otherwise. Our failure to exercise
any of our rights or to take any action shall not constitute a waiver of those
rights, or an amendment or change in any of the terms of this Agreement. 

Late or Partial Payments. Any payment that delays the reduction of your
balance will increase your total interest costs. Partial payments or pre-
payments will not delay your next scheduled payment – you will still need
to make the minimum scheduled payment by the next scheduled due
date to keep your account current. We may accept late payments, par-
tial payments, checks or money orders marked “payment in full” and such
action shall not constitute final settlement of your account or a waiver or
forgiveness of any amounts owing under this Agreement.

Enforcement. We do not lose our rights under this or any related agree-
ment if we delay enforcing them. If any provision of this or any related
agreement is determined to be unenforceable or invalid, all other provi-
sions remain in full force and effect.