19. JOINT  ACCOUNTS  —  If  this  is  a  joint  account,  each  of 
you 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.
20. 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.
21. NO WAIVER — The Credit Union can delay enforcing any 
of its rights any number of times without losing them.
22. STATEMENTS AND NOTICES — Statements and notices 
will  be  mailed  to  you  at  the  appropriate  address  you  have 
given the Credit Union. Notice sent to any one of you will be 
considered notice to all. 
23. SEVERABILITY  AND  FINAL  EXPRESSION  —  This 
Agreement and the Disclosure are the final expression of the 
terms and conditions of your account. This written Agreement 
and Disclosure may not be contradicted by evidence of any 
alleged  oral  agreement.  Should  any  part  of  this  Agreement 
or the Disclosure be found to be invalid or unenforceable, all 
other  parts  of  this  Agreement  and  Disclosure  shall  remain 
in  effect  and  fully  enforceable  to  the  fullest  extent  possible 
under this Agreement.
24. COPY  RECEIVED  —  You  acknowledge  that  you  have 
received a copy of this Agreement and Disclosure.
25. INTERNET GAMBLING TRANSACTIONS PROHIBITED — 
You may not use your card to initiate any type of electronic 
gambling transaction through the Internet.
26. PENALTY  RATE  DISCLOSURES  —  If  applicable  to  your 
account,  all  rates  for  your  account,  including  the  rates 
for  purchases,  cash  advances,  and  balance  transfers,  will 
increase to the Penalty Rate when you meet one or more of 
the  conditions  as  set  forth  in  the  Disclosure  accompanying 
this  Agreement.  Any  rate  increases  applied  to  your  account 
are  subject  to  applicable  notice  requirements.  Please  refer 
to  the  Disclosure  for  additional  information  regarding  the 
Penalty Rate.
27. NOTICE TO UTAH BORROWERS — This written agreement 
is  a  final  expression  of  the  agreement  between  you  and  the 
Credit Union. This written agreement may not be contradicted 
by evidence of any oral agreement.
28. THE  FOLLOWING  IS  REQUIRED  BY  VERMONT  LAW  — 
NOTICE TO CO-SIGNER — YOUR SIGNATURE ON THIS NOTE 
MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT 
OF  THIS  LOAN.  IF  THE  BORROWER  DOES  NOT  PAY,  THE 
LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.

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:

VyStar Credit Union
PO Box 45085
Jacksonville, FL 32232-5085

You may also contact us on the Web: www.vystarcu.org
In your letter, give us the following information:

 -  Account information: Your name and account number.
 -  Dollar  amount:  The  dollar  amount  of  the  suspected 

error.

 -  Description of problem: 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  or 
electronically.  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 delinquent on that amount.

 -  The charge in question may remain on your statement, 
and  we  may  continue  to  charge  you  interest  on  that 
amount.

 -  While you do not have to pay the amount in question, 
you are responsible 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 purchase, contact us in writing or electronically at:

VyStar Credit Union
PO Box 45085
Jacksonville, FL 32232-5085
www.vystarcu.org

While  we  investigate,  the  same  rules  apply  to  the  disputed 
amount as discussed above. After we finish our investigation, 
we  will  tell  you  our  decision.  At  that  point,  if  we  think  you 
owe an amount and you do not pay, we may report you as 
delinquent.

VYSTAR CREDIT UNION
4949 Blanding Blvd
Jacksonville, FL 32210-7330
(904) 777-6000
(800) 445-6289
Fax: (904) 908-2272
www.vystarcu.org

VISA PLATINUM, VISA PLATINUM REWARDS 
PLUS AND VISA PLATINUM CASH BACK
CONSUMER CREDIT CARD AGREEMENT

In this Agreement, “Agreement” means this Consumer Credit 
Card Agreement. “Disclosure” means the Credit Card Account 
Opening  Disclosure.  The  Account  Opening  Disclosure  is 
incorporated  into  this  Consumer  Credit  Card  Agreement 
and  is  part  of  the  Agreement.  In  this  Agreement  the  words 
“you,” “your,” and “yours” 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” means the Credit Union whose name appears on this 
Agreement  or  anyone  to  whom  the  Credit  Union  transfers 
this Agreement.
1.  USING  YOUR  ACCOUNT  —  If  you  are  approved  for  an 
account,  the  Credit  Union  will  establish  a  line  of  credit  for 
you. You agree that your credit limit is the maximum amount 
(purchases,  cash  advances,  finance  charges,  plus  “other 
charges”) which you will have outstanding on your account at 
any time. Unless disclosed otherwise, the Credit Union will not 
allow advances over the credit limit. If the Credit Union has a 
program whereby it allows payment of advances that exceed 
your credit limit, subject to a fee, the Credit Union will provide 
you  with  notice,  either  orally,  in  writing,  or  electronically 
(notwithstanding  the  requirements  of  the  paragraph  entitled 
“Statements and Notices”) explaining your right to opt in to the 
Credit Union’s program whereby it will honor advance requests 
over the credit limit. In the event you opt in to such a program, 
you agree to the terms of such a program. You may request 
an increase in your credit limit only by a method acceptable to 
the Credit Union. The Credit Union may increase or decrease 
your credit limit, refuse to make an advance and/or terminate 
your account at any time for any reason not prohibited by law. 
If you are permitted to obtain cash advances on your account, 
we may, from time to time, issue convenience checks to you 
that may be drawn on your account. Convenience checks may 
not be used to make a payment on your account balance. If 
you use a convenience check, it will be posted to your account 
as  a  cash  advance.  We  reserve  the  right  to  refuse  to  pay  a 
convenience check drawn on your account for any reason and 
such refusal shall not constitute wrongful dishonor.

© CUNA MUTUAL GROUP, 1991, 2006, 09, ALL RIGHTS RESERVED  

1-1W244001
CCM000
MXC500

Page 8

(continued)

Page 9

(continued)

Page 10

Page 11

M-103410

Page 1

(continued)

 
 
You may request that we stop the payment of a convenience 
check  drawn  on  your  account.  You  agree  to  pay  any  fee 
imposed to stop a payment on a convenience check issued 
on  your  account.  You  may  make  a  stop  payment  request 
orally, if permitted, or in writing. Your request must be made 
with  sufficient  time  in  advance  of  the  presentment  of  the 
check for payment to give us a reasonable opportunity to act 
on  your  request.  In  addition,  your  request  must  accurately 
describe the check including the exact account number, the 
payee,  any  check  number  that  may  be  applicable,  and  the 
exact amount of the check. If permitted, you may make a stop 
payment  request  orally  but  such  a  request  will  expire  after 
14  days  unless  you  confirm  your  request  in  writing  within 
that time. Written stop payment orders are effective only for 
six (6) months and may be renewed for additional six month 
periods by requesting in writing that the stop payment order 
be renewed. We are not required to notify you when a stop 
payment  order  expires.  If  we  re-credit  your  account  after 
paying a check or draft over a valid and timely stop payment 
order, you agree to sign a statement describing the dispute 
with the payee, to assign to us all of your rights against the 
payee  or  other  holders  of  the  check  or  draft  and  to  assist 
us  in  any  legal  action.  You  agree  to  indemnify  and  hold  us 
harmless  from  all  costs  and  expenses,  including  attorney’s 
fees, damages, or claims, related to our honoring your stop 
payment request or in failing to stop payment of an item as a 
result of incorrect information provided to us or the giving of 
inadequate time to act upon a stop payment request. 
2.  USING  YOUR  CARD  —  You  understand  that  the  use 
of  your  credit  card  or  credit  card  account  will  constitute 
acknowledgement of receipt and agreement to the terms of 
the Credit Card Agreement and Credit Card Account Opening 
Disclosure  (Disclosure).  You  may  use  your  card  to  make 
purchases  from  merchants  and  others  who  accept  your 
card.  The  credit  union  is  not  responsible  for  the  refusal  of 
any  merchant  or  financial  institution  to  honor  your  card.  If 
you wish to pay for goods or services over the Internet, you 
may be required to provide card number security information 
before  you  will  be  permitted  to  complete  the  transaction. 
In  addition,  you  may  obtain  cash  advances  from  the  Credit 
Union, from other financial institutions that accept your card, 
and  from  some  automated  teller  machines  (ATMs).  (Not  all 
ATMs accept your card.) If the credit union authorizes ATM 
transactions  with  your  card,  it  will  issue  you  a  personal 
identification  number  (PIN).  To  obtain  cash  advances  from 
an  ATM,  you  must  use  the  PIN  issued  to  you  for  use  with 
your  card.  You  agree  that  you  will  not  use  your  card  for 
any  transaction  that  is  illegal  under  applicable  federal, 
state,  or  local  law.  Even  if  you  use  your  card  for  an  illegal 
transaction,  you  will  be  responsible  for  all  amounts  and 
charges  incurred  in  connection  with  the  transaction.  If  you 
are permitted to obtain cash advances on your account, you 
may also use your card to purchase instruments and engage 
in  transactions  that  we  consider  the  equivalent  of  cash. 
Such  transactions  will  be  posted  to  your  account  as  cash 
advances and include, but are not limited to, wire transfers, 
money orders, bets, lottery tickets, and casino gaming chips, 

as  applicable.  This  paragraph  shall  not  be  interpreted  as 
permitting or authorizing any transaction that is illegal.
3.  PROMISE  TO  PAY  —  You  promise  to  pay  all  charges 
(purchases,  cash  advances,  balance  transfers,  use  of 
convenience  checks  or  any  other  charge)  made  to  your 
account by you or anyone you authorize to use your account. 
You also promise 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, the paragraph on JOINT ACCOUNTS also 
applies to your account.
4.  PERIODIC  RATES  —  The  periodic  rates  applicable  to 
purchases, cash advances, and balance transfers are disclosed 
on  the  Disclosure  that  accompanies  this  Agreement.  Any 
penalty rate that may be imposed for failing to make a payment 
by the payment due date is also disclosed on the Disclosure. 
Any  rate  change  will  be  made  pursuant  to  applicable  law. 
If  the  rate  for  your  account  is  variable,  as  indicated  on  the 
accompanying  Disclosure,  the  rate  charged  on  purchases, 
cash  advances,  balance  transfers  and  any  penalty  rate  will 
vary periodically as disclosed in the Disclosure accompanying 
this  Agreement.  The  initial  rate  on  your  account  for  certain 
types of transactions may be an introductory discounted rate 
(Introductory  Rate)  that  is  lower  than  the  rate  that  would 
ordinarily apply for that type of transaction. If an Introductory 
Rate applies to your account, the rates and the period of time 
it will be effective is shown on the Disclosure accompanying 
this  Agreement.  After  the  Introductory  Rate  period  expires, 
the periodic rate will automatically increase to the rates that 
would ordinarily apply for that type of transaction based on 
the terms of this Agreement. 
5.  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 due date of that statement; otherwise a finance 
charge will accrue from the date a purchase is posted to your 
account. To avoid an additional finance charge on the balance 
of  purchases,  you  must  pay  the  entire  new  balance  on  the 
billing statement by the payment due date of that statement. 
A  finance  charge  begins  to  accrue  on  cash  advances  from 
the  date  you  get  the  cash  advance  or  from  the  first  day  of 
the billing cycle in which the cash advance is posted to your 
account, whichever is later (transaction date).
The  finance  charge  is  calculated  separately  for  purchases 
and  cash  advances.  For  purchases,  the  finance  charge  is 
computed by applying the periodic rate to the average daily 
balance of purchases. To calculate 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.  We  then  add  all  of  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  periodic  rate  to  the  average  daily  balance  of 
cash  advances.  To  calculate  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. We then add all of 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.  Balance  transfers 
are calculated in the same manner as cash advances.
6.  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 date. 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. 
7.  FEES  —  In  addition  to  the  periodic  rate,  the  following 
additional fees may be imposed on your account. If applicable 
to  your  account,  the  fee  amounts  and  explanations  are 
disclosed on the Disclosure accompanying this Agreement. 
Your account may also be subject to additional fees as set 
forth on the Disclosure accompanying this Agreement.
a.  Late Payment Fee. If your account is subject to a Late 
Payment Fee, the fee will be charged to your account when 
you do not make the required minimum payment by or within 
the number of days of the statement Payment Due Date set 
forth on the Disclosure accompanying this Agreement.
b.  Returned  Payment  Fee.  If  your  account  is  subject  to 
a  Returned  Payment  Fee,  the  fee  will  be  charged  to  your 
account when a payment is returned for any reason.
c.  Statement  Copy  Fee.  If  your  account  is  subject  to  a 
Statement Copy Fee, except as limited by applicable law and 
when the request is made in connection with a billing error 
made  by  the  Credit  Union,  a  fee  may  be  charged  to  your 
account for each copy of a sales draft or statement that you 
request.
d.  Rush  Fee.  If  your  account  is  subject  to  a  Rush  Fee, 
except as limited by applicable law, a fee may be charged to 
your account for each rush card that you request, providing 
delivery of the card is also available by standard mail service, 
without paying a fee for delivery.
e.  Emergency  Card  Replacement  Fee.  If  your  account  is 
subject to an Emergency Card Replacement Fee, a fee will be 
charged  to  your  account  for  each  emergency  replacement 
card that is issued to you.
f.  Convenience  or  Balance  Transfer  Check  Copy  Fee. 
If  your  account  is  subject  to  the  Convenience  of  Balance 

Transfer  Check  Copy  Fee,  a  fee  will  be  charged  to  your 
account  as  disclosed  on  the  Disclosure  accompanying  this 
Agreement.
g.  Returned  Convenience  Check  Fee.  If  your  account  is 
subject  to  the  Returned  Convenience  Check  Fee,  a  fee  will 
be charged to your account as disclosed on the Disclosure 
accompanying this Agreement.
h.  Convenience or Balance Transfer Check. If your account 
is  subject  to  the  Convenience  or  Balance  Transfer  Check,  a 
fee  will  be  charged  to  your  account  as  disclosed  on  the 
Disclosure accompanying this Agreement.
8.  PAYMENTS  —  Each  month  you  must  pay  at  least  the 
minimum  payment  shown  on  your  statement  by  the  date 
specified  on  the  statement.  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 2.00% of your total new 
balance,  or  $10.00,  whichever  is  greater,  plus  the  amount 
of  any  prior  minimum  payments  that  you  have  not  made, 
all  outstanding  unpaid  fees  and  charges,  and  any  amount 
you  are  over  your  credit  limit  by  the  date  specified  on  the 
statement.  The  Credit  Union  also  has  the  right  to  demand 
immediate  payment  of  any  amount  by  which  you  are  over 
your credit limit. 
9.  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. However, in 
every  case,  in  the  event  you  make  a  payment  in  excess  of 
the  required  minimum  periodic  payment,  the  Credit  Union 
will allocate the excess amount first to the balance with the 
highest annual percentage rate and any remaining portion to 
the other balances in descending order based on applicable 
annual percentage rate. 
10. SECURITY  INTEREST  —  You  grant  the  Credit  Union  a 
security  interest  under  the  Uniform  Commercial  Code  and 
under  any  common  law  rights  the  Credit  Union  may  have 
in  any  goods  you  purchase.  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. 

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 
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. 
11. 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.
In the event that any suit is filed against the Credit Union with 
respect  to  this  Agreement,  or  any  credit  card  issued  under 
this Agreement, the suit shall only be brought in the courts 
of the state of Florida.
12. LIABILITY  FOR  UNAUTHORIZED  USE-LOST/STOLEN 
CARD NOTIFICATION — You agree to notify us immediately, 
orally or in writing, at PO Box 45085, Jacksonville, FL 32232-
5085  or  telephone  866-820-3846  seven  (7)  days  a  week, 
24 hours a day, 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 $50.00.
13. CHANGING  OR  TERMINATING  YOUR  ACCOUNT  —  As 
permitted  by  law,  the  Credit  Union  may  change  the  terms 
of this Agreement and any attached Disclosure 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 will apply to your existing account 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. Your obligation to pay the account balance plus 
any finance and other charges you owe under this agreement 
are  subject  to  all  applicable  laws  and  regulations  regarding 
repayment  requirements.  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. If this is 
a joint account, the paragraph on JOINT ACCOUNTS of this 
Agreement also applies to termination of the account. 
14. CHANGING  OR  TERMINATING  AUTHORIZED  USERS 
—  Upon  your  request,  we  may  issue  additional  cards  for 
authorized  users  that  you  designate.  You  must  notify  us  in 
writing  of  any  termination  of  an  authorized  user’s  right  to 
access  your  account.  Your  letter  must  include  the  name  of 
the  authorized  user  and  your  account  number  and/or  any 
subaccount number issued to the authorized user along with 
the  authorized  user’s  card  and  any  convenience  or  other 
access  checks  issued  to  the  authorized  user.  If  you  cannot 
return the authorized user’s card or access checks and if you 
request your account to be closed, we will close your account 
and you may apply for a new account.
15. 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).
16. 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  $1.00  or  more,  it 
will be refunded upon your written request or automatically 
after six (6) months.
17. 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.
18. 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 participated in sending to you; or (b) 
your purchase cost more than $50.00 and was made in your 
state or within 100 miles of your home.

Page 2

(continued)

Page 3

(continued)

Page 4

(continued)

Page 5

(continued)

Page 6

(continued)

Page 7

(continued)