M-100310 
                               1st Advantage Federal Credit Union 
                                                                            
                              VISA Platinum Credit Card Agreement 
                                                                           M-119181
    
    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 Platinum 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 Platinum 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 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 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 jointl y 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 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 
    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 
    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 further 
    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 
    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 
    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 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 
    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  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 
    the 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  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 charged 
    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  except where excluded. 
    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 
    calculated by adding 4.5%-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, 
     statement   within   25   days   of   the   statement   closing   date.     Otherwise,   finance   charges   on   purchases   will   be   calculated   from   the   beginning   of   the   next   statement  
    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  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  
    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  of  the transaction.    Your  Interest  rate  is  based  on  certain  credit-worthiness  criteria,  and  may  be  reviewed  annually  based  on  credit  history.    The Finance Charge (ANNUAL 
                         (the �spread�) to the Prime rate  (the �index�) in effect on the first business day of the month immediately preceding January 1, April 1, 
    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 
    PERCENTAGE  RATE)  is  calculated  by  adding  4.5%-14.5% (the  �spread�)  to  the  Prime  rate  (the  �index�)  in  effect  at  the time of  the  review.  The  Finance 
    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 
    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. This gives us the  Charge will be applied to the average principal daily balances of purchase and cash advances of your account.  The index will be reviewed and adjusted quarterly.  If the index increases 
    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.�  or decreases, the ANNUAL PERCENTAGE RATE and monthly periodic rate will increase and decrease for an 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 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 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: 
     1. $5.00 per card - replacement of card fee on Lost/Stolen or damaged card. 
     2. $25.00 - Return Check fee for a check returned for nonpayment on your VISA account. 
     3. $25.00 - Late Payment fee, 10 days after due date. 
     4. 1% of Amount after Conversion - Foreign Transaction Fee. 
    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. 
    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 
    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. 
    9.  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 
    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, 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 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 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 
    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 
    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  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 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  due during any six (6) month period. We will change your interest rate (including any promotional rate) to a fixed rate of 17.95% ANNUAL PERCENTAGE RATE, which is a monthly 
    payment of your entire Account balance, after giving you any notice and opportunity to cure the default if required by applicable law.  periodic rate of .04918%, 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 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 
    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 
    the billing cycle following the twelfth consecutive billing cycle. 
    past due during any six (6) month period. We will change your interest rate (including any promotional rate) to a fixed rate of 17.95% ANNUAL PERCENTAGE RATE, which is a 
    monthly periodic rate of 1.49583%, 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 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 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 
    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 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 applicable 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  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. 
    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.  Additional Terms of Visa� Agreement 
    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  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 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 
    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,  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 
    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  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, 
    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  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  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 
    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  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 
    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  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 
    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  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  U.S.A., Inc., will control. 
    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  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 
    Agreement.  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  YOUR BILLING RIGHTS 
                 This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act  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  notify  Us In Case of Errors or Questions About Your Bill 
    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  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 
    first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights.  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.  In your letter, give us the following information: 
    �    The dollar amount of the suspected error.  �    Your name and account number. 
    �    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.  �    The dollar amount of the suspected error. 
    Your Rights and Our Responsibilities After We Receive Your Written Notice  �    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. 
    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  Your Rights and Our Responsibilities After We Receive Your Written Notice 
    bill was correct.  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 
    �    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,  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.  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 
    �     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  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.  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 
    �     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  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 
     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 not follow these rules, we cannot collect the first $50 of the questioned amount, even if your bill was correct. Furthermore, the Credit Union has no liability for  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 not follow these rules, we cannot collect the first $50 of the questioned amount, even if your bill was correct. Furthermore, the Credit Union has no liability for  any tort or related claims arising from such purchases. 
    Special Rule for Credit Card Purchases  any tort 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  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, 
    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.  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.  
     These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services.  
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
    
    
     Revised  3 /17 
    Revised  3 /17