Dear Cardholder: Your new Card is enclosed. The Terms governing 
the use of this account are printed on the reverse side of the form or 
are enclosed. These Terms may be amended or supplemented by 
separate notices to you, including any notices you have previously 
received from us. The Disclosures required by federal law are set 
forth below or are enclosed, and we are also enclosing a separate 
statement containing important information regarding your rights to 
dispute billing errors. Keep these forms so you can refer to them if 
you have any questions regarding your account. 

«RETURN1» 
«RETURN2» 

«ADDRESS2»«ADDRESS1»  
«ADDRESS3» 
«ADDRESS4» 
«ADDRESS5» 
«ADDRESS6» 
«POSTNET» 

«BARCODE» 

CREDIT LIMIT: «CREDIT»«CREDIT2»«CREDIT3»«CREDIT4» 
ISSUED BY: «ISSUEDBY» 

                Cards                       Account number 
«ACCT» 

DISCLOSURES REQUIRED BY FEDERAL LAW 

1. FINANCE CHARGES: 
a) Calculation Methods - Cash Advance:  «LINE1A»             Credit Purchases:   «LINE1B»    
    (See reverse side for calculation method descriptions) 
b) Periodic Rates used to compute FINANCE CHARGES- 
Cash Advances:  «LINE3A»  % per month  Credit Purchases:  «LINE3B»  % per month  
Corresponding ANNUAL PERCENTAGE RATES- 

Cash Advance:  «LINE5A»  % Credit Purchases:  «LINE5B»% 

c) For Cash Advances obtained Over the Counter equal to or greater than  $«LINE6»  
a FINANCE CHARGE equal to the greater of $  «LINE7A»  or  «LINE7B»  % of  
the cash advance will be imposed; however this charge will not exceed $  «LINE8A»  for   
each Over the Counter Cash Advance. For Cash Advances obtained at an Automated Teller  
Machine (ATM) equal to or greater than $«LINE10A»  a FINANCE CHARGE equal To the  
greater of $«LINE11A»  or  «LINE11B»% of the cash advance will be imposed;  
however this charge will not exceed $«LINE12»  for each ATM Cash Advance. A transaction  
fee may also be imposed by an ATM operator, not holding your account, or by any national,  
regional or local network used to complete a Cash Advance transaction. 
2. OVERLIMIT CHARGES: Cardholder shall immediately pay the amount by which the total  
New Balance exceeds the maximum authorized credit. An Overlimit Charge equal to  
the greater of $«LINE13A» , or  «LINE13B»  % of the Amount overlimit, shall be imposed,  
not to exceed $«LINE14A»  (For California accounts see, Sec.9.) 
3. ANNUAL FEE: 
a) A non-refundable Annual Fee of $«LINE1C» plus applicable taxes, shall be charged to  
your account, or - 
b) Using Plan «LINE2»  (see Sec. 11 ) An Annual Fee/FINANCE CHARGE OF $«LINE3C»  ,  
plus applicable taxes shall be charged unless, for the time period analyzed, you charged more  
than $«LINE4»  or had more than  «LINE5C»  transactions on your card. 
4. MINIMUM PAYMENT: 
a) The minimum payment required is the New Balance shown on your statement if the 
amount is equal to or less than $«LINE8B»  . 
b) If the New Balance exceeds $«LINE9» the minimum payment is «LINE10B»% of that  
portion of the New Balance which does not exceed your credit limit (rounded up to the nearest  
dollar), or $«LINE11C»  , whichever is greater, plus the entire portion of the New Balance in  
excess of your credit limit, plus any amount past due.

5. LATE CHARGES: If the minimum required payment is not received within 
«LINE13C» days after the Closing Date subsequent to the payment Due Date, a late  
charge equal to the greater of $  «LINE14B»  , or  «LINE14C»  % of the unpaid portion 
of the past due amount is imposed, but not to exceed $  «LINE15»   
6. The only FINANCE CHARGES assessed on your account other than those assessed  
by a periodic rate, will be transaction FINANCE CHARGES in connection with Cash 
Advances if part of your Plan, as noted in section 2. Transaction FINANCE CHARGES for 
each  Cash  Advance  will  be  imposed  on  the  date  the  Cash  Advance  was  posted  to  your 
account. No grace period applies on any transaction FINANCE CHARGE imposed for Cash 
Advances. 
7.  Documentary  stamp  taxes  as  may  be  required  by  law  shall  be  imposed  on  each  Cash 
Advance at the time the loan is made. 
8.  The  annual  fee  shall  be  treated  as  a  Credit  Purchase  for  purposes  of  calculating 
FINANCE CHARGES, unless prohibited by law. 
9. In California a maximum of $10 in Over limit Fees may be imposed with respect to any 
charge  that  causes  the  outstanding  balance  to  exceed  the  credit  limit  by  $500  or  120 
percent, whichever  is less. No more than one over limit charge may be assessed within  a 
single monthly billing cycle. 
10. If you have other loans or credit extensions from Issuer, or take out other loans or credit 
extensions with Issuer in the future, collateral securing those loans or credit extensions will 
also  secure  your  obligations  under  this  agreement.  However,  unless  you  expressly  agree 
otherwise,  your  household  goods  and  dwelling  will  not  secure  your  obligations  under  this 
agreement even if Issuer has, or later acquires, a security interest in the household goods 
or a mortgage on the dwelling. If you have executed a written agreement granting a security 
interest in any deposit accounts (checking, savings, or share accounts) or other funds held 
by Issuer to secure your obligations under this credit card plan, such accounts and/or funds 
are additional security for your obligations to Issuer arising from the use of your Card. 
11.  Annual  Fee  Plans:  Your  Annual  Fee  waiver  analysis,  under  the  Plan  noted  in  Section 
3.b,  only  includes  the  following  transactions:  Plan  1:  Gross  Sales;  Plan  2:  Gross  Cash 
Advances; Plan 3: Net Sales; Plan 4: Net Cash Advances; Plan 5: Gross Sales plus Gross 
Cash  Advance;  Plan  6:  Net  Sales  plus  Net  Cash  Advances  (Note:  Time  period  analyzed 
shall be prior 12 month period; however, initial time period may be less than 12 months as it 
begins on the date you were notified of this program. Annual Fees shall not be waived for 
cardholders in default). 

SEE REVERSE SIDE FOR MORE IMPORTANT DISCLOSURES.                     NOTICE: See separate statement for important information regarding your rights to dispute billing errors.

IMPORTANT NOTICES 
*SIGN SIGNATURE PANEL ON THE BACK OF CARD(S) IMMEDIATELY. CARDS(S) MUST BE SIGNED TO BE VALID. 
*DESTROY OLD CARD(S) NOW. 
*SAVE YOUR SALES SLIPS FOR COMPARISON WITH YOUR MONTHLY STATEMENT. 
                                                   LOST OR STOLEN CARD CALL (727) 570-4881. 

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PERIODIC FINANCE CHARGE CALCULATION METHODS 

The periodic Finance Charge Calculation Method applicable to your account for Cash Advances and Credit purchases of goods and services that you obtain through the use of your Card is specified  
in Section 1 on the Disclosure on the reverse side and explained below:   
   Method A - Average Daily Balance (including current transactions).  The Finance Charge on purchases begins from the date the transaction is posted to your account and the Finance Charge on  
cash advances begins from the date you obtained the cash advance, or the first day of the billing cycle in which it is posted to your account, whichever is later.  There is no grace period.   
   The Finance Charges for a billing cycle are computed by applying the monthly Periodic Rate to the "average daily balance" of your account.  To get the average daily balance, we take the beginning  
balance of your account each day, add any new purchases or cash advances, and subtract any payments, credits, non-accruing fees, and unpaid finance charges.  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. 
   Method E - Average Daily Balance (excluding current transactions).  To avoid incurring an additional Finance Charge on the balance of purchases (and cash advances if Method E is specified as  
applicable to cash advances) reflected on your monthly statement, you must pay the New Balance shown on your monthly statement on or before the Payment Due Date.  The grace period for the  
New Balance of purchases extends to the Payment Due Date. 
   The Finance Charges for a billing cycle are computed by applying the monthly Periodic Rate to the "average daily balance" of purchases (and if applicable, cash advances).  To get the average daily  
balance, we take the beginning balance of your account each day and subtract any payments, credits, non-accruing fees, and unpaid finance charges. We do not add in new purchases or cash  
advances.  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.  
   Method F - Average Daily Balance (including current transactions).  To avoid incurring an additional Finance Charge on the beginning balance of cash advances (and purchases, if Method F is  
specified as applicable to purchases) reflected on your monthly statement, you must pay the Beginning Balance shown on your monthly statement on or before the Payment Due Date. No grace  
period is provided for current cycle transactions. 
   The Finance Charges for a billing cycle are computed by applying the monthly Periodic Rate to the "average daily balance" of cash advances (and if applicable, purchases).  To get the average daily  
balance, we take the beginning balance of your account each day, add any new purchases or cash advances, and subtract any payments, credits, non-accruing fees, and unpaid finance charges .  
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.  
   Method G - Average Daily Balance (including current transactions).  To avoid incurring an additional Finance Charge on the balance of purchases (and cash advances, if Method G is specified as  
applicable to cash advances) reflected on your monthly statement and, on any new purchases (and if applicable, cash advances) appearing on your next monthly statement, you must pay the New  
Balance, shown on your monthly statement, on or before the Payment Due Date.  The grace period for the New Balance of purchases extends to the Payment Due Date.   
   The Finance Charges for a billing cycle are computed by applying the monthly Periodic Rate to the "average daily balance" of purchases (and if applicable, cash advances).  To get the average daily  
balance, we take the beginning balance of your account each day, add any new purchases or cash advances, and subtract any payments, credits, non-accruing fees, and unpaid finance charges.   
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. 

                                                         TERMS GOVERNING THE USE OF YOUR CARD 

The person ("Cardholder") whose name is embossed on the face of the MasterCard ("Card") enclosed herewith, and each Cardholder, in the event more than one Card is enclosed herewith bearing  
the same account number, by signing or using said  Card, receipt of which is acknowledged, agrees with the Issuer of the Card whose name is printed on the reverse ("Issuer") as follows: 
A. Goods and services ("Credit Purchases") may be purchased or leased by means of such card by Cardholder from any retail business establishment ("Seller") who honors same upon the execution  
of a sales slip evidencing such Credit Purchase and bearing the account number of Cardholder embossed on the face of such Card. Additionally, MasterCard Cash Advances  ("Loans") may be  
obtained through use of such Card (a) upon execution of a written request of Cardholder in a form furnished to cardholder from any financial institution that is a member, alone or in association with  
others, of MasterCard International, Inc. and (b) upon execution of a written separate agreement with Issuer for a MasterCard overdraft financing agreement, if offered by Issuer. 
B. Cardholder shall be liable and agrees to pay Issuer for Credit Purchases made by, or for Loans extended to, Cardholder or anyone else using such Card unless the use of such Card is by a person  
other than the Cardholder (a) who does not have actual, implied or apparent authority for such use, and (b) from which Cardholder receives no benefit. Additionally, Cardholder shall be  jointly and  
severally liable and agrees to pay for all Credit Purchases and Loans obtained through the use of any other Card bearing Cardholder's account number that has been issued to another person by  
reason of such person being a member of Cardholder's family, or otherwise issued upon Cardholder's request (all such Cards bearing the MasterCard account number hereinafter collectively called  
"Related Cards"). 
C. Cardholder agrees to pay to Issuer an annual membership fee (as stated in the Disclosures on the reverse) for participation in the Issuer's credit card plan. Such annual membership fee shall be  
imposed whether or not Cardholder uses the card to obtain credit purchases and loans. The membership fee shall be charged to Cardholder's account each year in the month of  Issuer's choice. The  
membership fee is not refundable in the event of termination of the account by either Cardholder or Issuer unless otherwise  provided for by law. 
D. Each Card is the property of Issuer, is not transferable and must be surrendered upon demand. It can be canceled as well as repossessed by Issuer or its designee, and the privileges thereof  
revoked, at any time without prior notice. 
E. Cardholder shall not use the Card or permit the use of Related Cards to obtain Credit Purchases or Loans which will increase Cardholder's indebtedness to Issuer to an amount in excess of the limit  
established by Issuer. 
F. All Credit Purchases and Loans are effected at the option of the Seller and Cash Advancing Financial Institution, respectively, and Issuer shall not be responsible for refusal by any Seller or Cash  
Advancing Financial Institution to honor the Card or any Related Card. Any refund, adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to Issuer which shall be  
shown as a credit on Cardholder's account statement with Issuer. 
G. If you effect a transaction with your MasterCard card in a currency other than U.S. dollars, MasterCard International Incorporated will convert the charge into an U.S. dollar amount. MasterCard  
International will use its currency conversion procedure, which is disclosed to institutions that issue MasterCard cards. Currently the currency conversion rate used by MasterCard International to  
determine the transaction amount in U.S. dollars for such transactions is generally either a government mandated rate or a wholesale rate determined by MasterCard International for the processing  
cycle in which the transaction is processed, increased by an adjustment factor established from time to time by MasterCard International. The currency conversion rate used by MasterCard  
International on the processing date may differ from the rate that would have been used on the purchase date or cardholder statement posting date. 
H.  Issuer will send to Cardholder, at monthly intervals determined by Issuer, a statement reflecting for the prior monthly period all MasterCard Card and Related Card transactions. Such statement  
shall be deemed correct and accepted by Cardholder and all holders of Related Card unless Issuer is notified to the contrary in writing within 60 days of mailing of such statement Cardholder will pay  
such statement by remitting to Issuer within 25 days of the closing date reflected on the statement either the full amount billed or, at Cardholder's option, an installment equal to at least the required  
minimum payment stated in Section 4 on the reverse side. 
I. Interest on Loans and Credit Purchases will be charged in accordance with the finance charge calculation method referred to in Section 1 of the disclosures on the reverse side. The rate of interest  
shall be established by Issuer from time to time, but shall never exceed the maximum rate permitted by law. The current interest rate per annum is the Annual Percentage Rate set forth in Section 1 of  
the Disclosures on the reverse side. 
J. If the card is canceled or surrender is demanded by Issuer, or if Cardholder defaults in any payment due, or is deceased, bankrupt or insolvent, or any attachment or garnishment proceedings are  
initiated  against Cardholder or his property, Issuer  may elect to declare all amounts then owed to Issuer to be immediately due and payable without notice or demand of any kind. If Cardholder has  
other loans from Issuer, or takes out other loans with Issuer in the future, collateral securing those loans will also secure the Cardholder's obligations under this agreement. However, unless the  
Cardholder expressly agrees otherwise, the Cardholder's household goods and dwelling will not secure Cardholder's obligations under this agreement even if Issuer has or later acquires a security  
interest in the household goods or a mortgage on the dwelling. Cardholder agrees to pay all costs incurred by Issuer in collecting Cardholder's indebtedness or in enforcing this agreement, including  
reasonable attorney's fees and also those costs, expenses and attorney's fees incurred in appellate, bankruptcy and post-judgment proceedings, except to the extent such costs, fees or expenses are  
prohibited by law. 
K. This agreement may be amended from time to time by Issuer by written notice mailed to Cardholder at Cardholder's last known address. 
L. Except to the extent that Federal law is applicable, the validity, construction and enforcement of this agreement and all matter's arising out of the issuance and use of the Card shall be governed by  
the laws of the state in which the principal office of Issuer is located. 
M. Additional charges, plus applicable taxes, may also be assessed if you pay us with a check not honored by your financial institution, request a copy of a document, request a replacement card or  
use your card for a transaction at an automated teller machine, if such charges are not prohibited by law or regulation. No Finance Charge will be assessed on such additional charges. 
N. If it is believed that the Card has been lost or stolen or used in an unauthorized manner, the Cardholder shall contact Issuer AT ONCE, in order to minimize possible losses. In most cases, the 
Cardholder will not be liable for any unauthorized transactions unless it is determined that the Cardholder was grossly negligent or fraudulent in the handling of the Card. Notification can be made orally 
or in writing at:                                           Credit Card Security Department          Telephone Number 

P.O. Box 30035                                      (727) 570-4881 

                                                                                            Tampa, Florida 33630 
O. Cardholder agrees that Issuer, its agents or service companies may monitor and/or record any telephone communications with Cardholder. 
P. Payments must be made to Issuer in U.S. dollars drawn on an U.S. financial institution. Issuer may accept checks marked "Payment in Full" or with words of similar effect without losing any of 
Issuer's rights to collect the full balance of Cardholder's account. 
Q. If Cardholder incurs charges in any other currency, the charges will be converted into U.S. Dollars.   MasterCard's currency conversion procedure includes use of either a government mandated 
exchange rate, or a wholesale exchange rate selected by MasterCard, and the rate MasterCard uses for a particular transaction is a rate selected by MasterCard for the applicable currency on the day 
the transaction is processed, which may differ from the rate applicable on the date the transaction occurred or the date on which the transaction is posted to the cardholders account. Cardholder agrees 
to pay the converted amount to Issuer in U.S. dollars, plus a fee of 1% for conversion and processing imposed by Issuer and MasterCard. 
R. Issuer can reinvestigate and reevaluate any information Cardholder provided on Cardholder's credit application at any time, and in the course of doing so, Issuer may ask Cardholder for additional  
information, request credit bureau reports and/or otherwise verify Cardholder's current credit standing. 
S. Cardholder agrees that Issuer may release information to others, such as credit bureaus, regarding the status and history of Cardholder's account. However, Issuer is not obligated to release any  
such information to anyone  unless Issuer is required by law to do so. 
T. Cardholder agrees that Cardholder's account shall be subject to all applicable rules and regulations of MasterCard International, as applicable, as well as all applicable laws. If there is any conflict  
between the provisions of this Agreement and the rules and regulations of MasterCard International, the rules and regulations of MasterCard International shall control. 

«INSERT1»   «INSERT2»   «INSERT3»   «INSERT4»   «INSERT5»   «INSERT6» 

ISSUED ON: «PDATE» 

04/18/08 
MBSDAT.doc 

 
 
 
 
 
 
BayPort Credit Union 
3711 Huntington Avenue 
Newport News, VA. 23607 

MasterCard Gold MasterCard Classic Credit Cards Application and Solicitation Disclosure. Please keep this 
with all your loan documents. Annual Percentage Rates and other related information for each card is shown below. 

Interest Rates and Interest Charges 
Annual Percentage Rates 
(APR) for Purchases 

MasterCard Gold 
9.50% - 12.99% when you open your account, based on 
your creditworthiness. 

MasterCard Classic 
12.99% - 17.49% when you open your account, based on 
your creditworthiness. 

APR for Balance Transfer 

MasterCard Gold 

Your actual rate will be disclosed when you open your account. 

*3.99% Introductory rate good for 12 months from new account 
opening. Balance transfers must be processed within 30 days of 
account opening to qualify for the introductory rate. 

9.50% - 12.99% Based on your creditworthiness. 

MasterCard Classic 

*3.99% Introductory rate good for 12 months from new account 
opening. Balance transfers must be processed within 30 days of 
account opening to qualify for the introductory rate. 

12.99% - 17.49% Based on your creditworthiness 

9.50% - 12.99% Based on your creditworthiness 

MasterCard Gold 

12.99% - 17.49%  Based on your creditworthiness 

MasterCard Classic 

N/A 

Your due date is at least 25 days after the close of each billing cycle. 
We will not charge you any interest on purchases if you pay the 
entire balance by the due date of each month. We will begin 
charging interest on cash advances and balance transfers on the 
date of the transaction. 
None 

To learn more about factors to consider when applying for or using a 
credit card, visit the website of the Consumer Financial Protection 
Bureau at http://www.consumerfinance.gov/learnmore 

APR for Cash Advances 

Penalty APR and When it 
Applies 
Paying Interest - applicable 
to all of the above mentioned 
credit cards 

Minimum Interest Charge – 
applicable to all of the above 
mentioned credit cards 
For Credit Card Tips from 
the Consumer Financial 
Protection Bureau 

 SEE NEXT PAGE for more information about your account 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
  
 
 
 
                                                                                  
 
 
 
 
 
 
 
Fees - Applicable to all of the credit cards listed in this disclosure 
Annual Fee 
Transaction fees 

None 

Foreign Transactions 
Penalty Fees 

Late Payment fee 

1% of each transaction in U. S. dollars. 

Up to $20.00 fee assessed if payment not received 5 days after 
statement closing. 

Return Payment fee 

Up to $20.00 Non-sufficient funds or items returned for uncollected 
funds, regardless of reason. 

How we calculated your balance: We use a method called “average daily balance (including new purchases).” 
See your account agreement for more details. 

*Loss of Introductory APR on Balance Transfers: If your minimum monthly payment is not received by the 
statement closing date, the APR for Balance Transfers will revert back to the standard rate based on your 
creditworthiness. Offer not valid on existing accounts or accounts associated with existing accounts and cannot be 
combined with any other offer. 

Effective Date:   The information about costs of the card described in this application is accurate as of July 16, 
2012. This information may have changed after that date. To find out what may have changed, contact the credit 
union at 757-928-8850 or 1-800-928-8801. 

 12/2010