1070 Edgefield Road  
P.O. Box 6730  
North Augusta, SC 29861  (800) 237-9829  
 
IMPORTANT CREDIT CARD DISCLOSURES  
The following disclosure represents important details concerning your credit card. The information about costs of the card are  
accurate as of        1/01/2011 . You can contact us toll free at (800) 237-9829 or 1070 Edgefield Road, P.O. Box 6730, 
North Augusta, SC 29861 to inquire if any changes occurred since the effective date. 
 
INTEREST RATES and INTEREST CHARGES: 
Annual Percentage Rate (APR) 
for Purchases, Cash Advances, & Balance Transfers 
VISA PLATINUM NO VISA TRAVEL 
VISA CASH BACK 
FRILLS REWARDS 
6.25% - 14.25%  8.25% - 18.00%  8.25% - 18.00% 
depending on your credit depending on your credit depending on your credit 
history. This APR will vary history. This APR will vary history. This APR will vary 
with the market based on with the market based on with the market based on 
the Prime Rate. the Prime Rate. the Prime Rate. 
 
VISA CLASSIC 
 
 
13.90%  
How to Avoid Paying Interest on Your due date is at least 21 days after we mail your billing statement. We will not 
Purchases charge you interest on purchases if you pay your entire new purchase balance by the 
due date each month. 
 
Minimum Interest Charge None 
 
For Credit Card Tips from the To learn more about factors to consider when applying for or using a credit card, visit 
Federal Reserve Board the website of the Federal Reserve Board at 
http://www.federalreserve.gov/creditcard  
 
FEES:  
Fees to Open or Maintain your  Account  
- Annual Fee: None 
- Application Fee: None 
 
Transaction Fees 
- Balance Transfer: 
- Cash Advance: 
- Foreign Transaction: 
None 
None 
1% of each transaction in U.S. dollars if the transaction involves a currency conversion 1% of each transaction in U.S. dollars if the transaction does not involve a currency  conversion  
Penalty Fees 
- Late Payment: 
- Over-the-Credit Limit: 
- Returned Payment: 
- Declined Access Check: - Convenience Check Stop   Payment Request: 
Up to $10.00 if your payment is late 15 days or more 
None 
Up to $5.00 if your payment is returned for any reason  Up to $22.00 if a convenience check is declined for any reason 
 
Up to $22.00 if you stop payment of a convenience check for any reason.  
 
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." 
 9013 LASER VELOCITY FI14832 8-2010 
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COPYRIGHT 2005 Securian Financial Group, Inc. All rights reserved. 




 
 
1070 Edgefield Road 
P.O. Box 6730 
North Augusta, SC 29861 
(800) 237-9829 
CREDIT CARD AGREEMENT  
 
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 SRP FEDERAL CREDIT UNION OR ITS SUCCESSORS. "APPLICABLE LAW" SHALL INCLUDE:  (I) VISA U.S.A. INC. BYLAWS, VISA U.S.A. INC. OPERATING REGULATIONS, VISA U.S.A. INC. CERTIFICATE OF INCORPORATION, VISA INTERNATIONAL BYLAWS, AND VISA INTERNATIONAL OPERATING REGULATIONS; AND (II) ANY AND ALL LAWS, TREATIES, RULES, REGULATIONS, OR REGULATORY GUIDANCE OF THE GOVERNMENT OF THE UNITED STATES, ANY STATE THEREOF, OR OF ANY APPLICABLE FOREIGN GOVERNMENT OR STATE THEREOF, AS THE SAME MAY BE AMENDED AND IN EFFECT FROM TIME TO TIME. 
 
SECURITY:  YOU   SPECIFICALLY  GRANT   US   A   CONSENSUAL 
SECURITY INTEREST  IN ALL INDIVIDUAL AND  JOINT ACCOUNTS  YOU  HAVE  WITH  US  NOW  AND  IN  THE  FUTURE  TO  SECURE  REPAYMENT 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  ISSUANCE  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 federal 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 household 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 completion 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 authorize 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. 
Large Payment Amounts; Suspension of Credit Line: To protect you and us, the Credit Union, in its sole discretion, may place a temporary freeze on all or part of the credit available to you for new purchases or cash advances under this agreement any time the Credit Union receives a large  payment [$1,000.00]  or  more,  by  a  method  other  than  cash, 
certified funds or electronic transfer. In such cases, the Credit Union may freeze your credit line until payment is actually collected by us. 
Personal   Identification   Number (PIN). We    may   issue   a   Personal 
Identification 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 Electronic  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 purchases, 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 applicable 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 transaction 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 authorized 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 illegal 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  transaction under the account. 
Others Using Your Account. If you allow anyone else to use your account,  you will be liable for all credit extended to such persons. You promise 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 cancelled 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:  Interest Charges will accrue on your average daily balance outstanding during  the month. To get the average daily balance, we take the beginning 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  transfers,  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 balance 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; even if you pay the entire cash advance balance by the payment due date, you will incur the Interest Charges accrued from the date the cash advance 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 benefit. The  telephone number to call is (800) 991-4964. You agree to follow up your call  with notice in writing to us at: 1070 Edgefield Road, P.O. Box  6730, North  Augusta, SC  29861. You also agree to assist us in determining the facts,  circumstances and other pertinent information 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 account 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.  Payments  will  be  applied  in  any  order  we 
determine, subject to applicable law.  
9011 LASER VELOCITY FI14837 8-2010 
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COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved. 


 
 
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 SRP FEDERAL CREDIT UNION OR ITS SUCCESSORS. "APPLICABLE LAW" SHALL INCLUDE:  (I) VISA U.S.A. INC. BYLAWS, VISA U.S.A. INC. OPERATING REGULATIONS, VISA U.S.A. INC. CERTIFICATE OF INCORPORATION, VISA INTERNATIONAL BYLAWS, AND VISA INTERNATIONAL OPERATING REGULATIONS; AND (II) ANY AND ALL LAWS, TREATIES, RULES, REGULATIONS, OR REGULATORY GUIDANCE OF THE GOVERNMENT OF THE UNITED STATES, ANY STATE THEREOF, OR OF ANY APPLICABLE FOREIGN GOVERNMENT OR STATE THEREOF, AS THE SAME MAY BE AMENDED AND IN EFFECT FROM TIME TO TIME. 
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  become  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 security for your  account  may  be  applied  towards  what  you  owe.  You  agree  to  pay  all  reasonable costs of collection, including court costs and attorney'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 withdraw  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 information  from you or obtain credit reports from the credit reporting agencies 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 creditors who inquire about your credit  standing. 
Foreign   Transactions;  Currency   Conversion. Purchases    and   cash advances 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 applicable 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 transactions) will be charged a foreign transaction fee 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 affect your obligation to repay any payments made for 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 prepayments 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, partial 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 agreement if we delay enforcing them. If any provision of this or any related agreement is determined to be unenforceable or invalid, all other provisions remain in full force and effect. 
Returns and Adjustments. Merchants and others who honor the Card may give credit for returns or adjustments, and they will do so by submitting 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 future 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 unless: (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  resolve  all  other disputes directly with the plan merchant. We do not warrant any merchandise or services purchased by you with the Card. 
Money Transfer Services. If  you receive any transmittal amount from any  Money Transfer Service (MTS) provider you agree not to receive more than  $2,500.00 per day or more than $10,000.00 per month. We may increase or  decrease these limits from time to time in our sole discretion. We reserve the  right  to  accept  or  reject  any  MTS  request  in  our  sole  discretion.  Each  transmittal amount that is sent to your Card will generally be posted to your  Card within two (2) Business Days after we receive the Transmittal Amount  from the Sender. 
Fees for MTSs. Once we begin charging fees we will normally deduct fees and charges automatically from your Card balance at the time a fee or charge is incurred for MTSs sent or received. 
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. Notice 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 contract 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.  
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YOUR BILLING RIGHTS - KEEP THIS NOTICE 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 address(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 
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 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 decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.  
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