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: 
                                                                             
                           VISA PLATINUM NO  VISA TRAVEL 
     Annual Percentage Rate (APR)                                       VISA CLASSIC 
                                                         VISA CASH BACK 
     for Purchases, Cash Advances,  FRILLS   REWARDS 
                                                                             
     & Balance Transfers 
                           6.25% - 14.25%   8.25% - 18.00%   8.25% - 18.00%   
                           depending on your credit  depending on your credit  depending on your credit 
                                                                         13.90%  
                           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. 
     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:    None 
     - Cash Advance:        None 
     - Foreign Transaction:  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:        Up to $10.00 if your payment is late 15 days or more 
     - Over-the-Credit Limit:  None 
     - Returned Payment:    Up to $5.00 if your payment is returned for any reason  
     - Declined Access Check: -  Up to $22.00 if a convenience check is declined for any reason 
     Convenience  Check  Stop    
       Payment Request:     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  page 1 of 4      COPYRIGHT 2005 Securian Financial Group, Inc. All rights reserved. 
  
                          
                                                                CREDIT CARD AGREEMENT  
                         1070 Edgefield Road 
                         P.O. Box 6730 
                         North Augusta, SC 29861 
                         (800) 237-9829 
     
    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. 
      
                                            Joint Accounts. Each of you will be responsible, jointly and severally, for the 
     SECURITY:  YOU   SPECIFICALLY  GRANT   US   A   CONSENSUAL 
                                            repayment  of  amounts  owed,  regardless  of  who  initiated  any  transaction 
     SECURITY INTEREST  IN ALL INDIVIDUAL AND  JOINT ACCOUNTS  
                                            under the account. 
     YOU  HAVE  WITH  US  NOW  AND  IN  THE  FUTURE  TO  SECURE  
                                            Others Using Your Account. If you allow anyone else to use your account,  
     REPAYMENT OF CREDIT EXTENDED UNDER THIS AGREEMENT. YOU 
                                            you will be liable for all credit extended to such persons. You promise to pay  
     ALSO AGREE THAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS  
                                            for all purchases and advances made by anyone you authorize to use your  
     UNDER  STATE AND/OR  FEDERAL LAW. THE  GRANTING  OF  THIS  
                                            account,  whether  or  not  you  notify  us  that  he  or  she  will  be  using  it.  If  
     SECURITY  INTEREST  IS  A  CONDITION  FOR  THE  ISSUANCE  OF 
                                            someone else is authorized to use your account and you want to end that  
     CREDIT UNDER THIS AGREEMENT. IF YOU ARE IN DEFAULT, WE  
                                            person's privilege, you must notify us in writing, and if he or she has a Card,  
     CAN APPLY YOUR SHARES TO THE AMOUNT YOU OWE. Shares and  
                                            you must return that Card with your written notice for it to be effective. 
     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  Ownership of Card. Your Card remains our property and may be cancelled 
     subject to this security interest.     by us at any time without notice. You agree to surrender your Card and to 
                                            discontinue use of the account immediately upon our request. 
     If you have other loans with us, collateral securing such loans may also 
     secure your obligations under this Agreement, unless that other collateral is  Interest  Charges.  Average  Daily  Balance  including  new  transactions:  
     your principal residence or non-purchase money household goods.  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  
    Using Your Card. You can purchase or lease goods and services from any  
                                            advances, and subtract any payments, unpaid interest charges, and unpaid  
    merchant who honors your Card, and you may obtain cash advances from  
                                            late charges. This gives us the daily balance. Then, we add up all the daily  
    financial institutions and ATM machines that accept the Card, up to your  
                                            balances for the billing cycle and divide that by the number of days in the  
    maximum credit limit. You agree not to present your Card or obtain a cash  
                                            billing cycle. We then multiply that by the periodic rate corresponding to the  
    advance for any extension of credit in excess of your available credit limit;  
                                            Annual  Percentage  Rate  on  your  account.  If  you  have  different rates  for  
    however, if you do exceed your credit limit, you agree to make immediate  
                                            purchases,  cash  advances  or  balance  transfers,  separate  average  daily  
    payment  sufficient  to  bring  the  balance  below  the  credit  limit.  Certain  
                                            balances for each will be calculated and the appropriate periodic rate is then  
    purchases and cash advances require authorization prior to completion of the  
                                            applied to each. 
    transaction. In some cases, you may be asked to provide identification. If our  
                                            Grace  Period  on  Purchases  Only: You  can  avoid  Interest  Charges  on 
    system is not working, we may not be able to authorize a transaction, even  
                                            purchases by paying the full amount of the new balance for purchases each 
    though you have sufficient credit available. Also, for security reasons, we may  
                                            month by the date on which the payment is due. Otherwise, the new balance 
    block the use of your Card in certain countries or geographic areas. We will  
                                            of your account, and subsequent advances from the date they are posted to 
    have no liability to you or others if any of these events occur. 
                                            the account, will be subject to an Interest Charge. You cannot avoid Interest 
    Large Payment Amounts; Suspension of Credit Line: To protect you and 
                                            Charges on cash advances; even if you pay the entire cash advance balance 
    us, the Credit Union, in its sole discretion, may place a temporary freeze 
                                            by the payment due date, you will incur the Interest Charges accrued from the 
    on all or part of the credit available to you for new purchases or cash 
                                            date the cash advance is posted to your account. 
    advances under this agreement any time the Credit Union receives a 
                                            Fees. In addition to the Interest Charges set forth above, you agree to also 
    large  payment [$1,000.00]  or  more,  by  a  method  other  than  cash, 
                                            pay any and all fees that you incur as disclosed to you on your Truth-in- 
    certified funds or electronic transfer. In such cases, the Credit Union 
                                            Lending Statement or similar disclosures (as may be amended from time to 
    may freeze your credit line until payment is actually collected by us. 
                                            time), or as disclosed to you during the term of your Card. 
    Personal   Identification   Number (PIN). We    may   issue   a   Personal 
                                            If Your Card is Lost or Stolen or if an Unauthorized Use Occurs. You  
    Identification Number (PIN) for use with your Card. This PIN is confidential 
                                            agree to notify us immediately if your Card is ever lost or stolen or if an  
    and should not be disclosed to anyone. You may use your PIN and your Card 
                                            unauthorized use may have occurred. "Unauthorized use" means the use of  
    to access your account, and all sums advanced will be added to your account 
                                            the Card by someone other than you who does not have actual, implied or  
    balance.  In the event  a use of your  PIN constitutes  an Electronic  Funds 
                                            apparent authority for such use, and from which you receive no benefit. The  
    Transfer,  the  terms  and  conditions  of  your  Electronic  Funds  Transfer 
                                            telephone number to call is (800) 991-4964. You agree to follow up your call  
    Agreement may affect your rights. 
                                            with notice in writing to us at: 1070 Edgefield Road, P.O. Box  6730, North  
    Promise To Pay. You promise to pay us in U.S. dollars for (a) all purchases, 
                                            Augusta, SC  29861. You also agree to assist us in determining the facts,  
    cash advances, and balance transfers made by you or anyone whom you 
                                            circumstances and other pertinent information relating to any loss, theft or  
    authorize to use the Card; (b) all Interest Charges and all other charges or 
                                            possible unauthorized use of your Card and comply with such procedures as  
    fees; (c) collection costs and attorney's fees as permitted by applicable law, 
                                            we may require in connection with our investigation. You will be liable for any  
    and any costs incurred in the recovery of the Card; and (d) credit in excess of 
                                            unauthorized use only if we can prove that you were grossly negligent in your  
    your credit limit that we may extend to you. 
                                            use or handling of your Card, or if we can prove that you used your Card  
    Illegal Transactions. You agree that your Card and account will not be used   fraudulently. 
    to make or facilitate any illegal transactions as determined by applicable law;  
                                            Minimum Payment Due; Crediting of Payments. Payments are due in the 
    and that any such use will constitute an event of default under this Agreement.  
                                            amount and on the date disclosed on your billing statement. If your payment is  
    We may decline any transaction that we believe to be illegal under applicable  
                                            received  by  us  on  a  business  day  at  the  address  and  by  the  time 
    law, including but not limited to any transaction involving or relating to any  
                                            designated on the billing statement, it will be credited to your account on the 
    gambling activity. You agree that we will have no liability or responsibility for  
                                            date of receipt. If payment is made at any location other than the address 
    any such use by you or any authorized user(s); or for declining any such  
                                            designated  on  the  periodic  statement,  credit  for  such  payment  may  be 
    transaction. You further agree to indemnify and hold us harmless from any  
                                            delayed  up  to  five (5)  days.  Payments  will  be  applied  in  any  order  we 
    suits, liability, damages or adverse action of any kind that results directly or  
                                            determine, subject to applicable law.  
    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. 
    9011 LASER VELOCITY FI14837 8-2010  page 2 of 4      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 ISSU ED 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  Late or Partial Payments. Any  payment that delays the reduction of your 
    default if: (1) you fail to make any payment on time; (2) if you fail to keep any  balance  will  increase  your  total  interest  costs.  Partial  payments  or 
    promises you have made under this Agreement or under other Agreements  prepayments will not delay your next scheduled payment - you will still need to 
    you have with us; (3) if you die; (4) if you file a petition in bankruptcy or have a  make the minimum scheduled payment by the next scheduled due date to 
    bankruptcy  petition  filed  against  you,  or  if  you  become  involved  in  any  keep your account current. We may accept late payments, partial payments, 
    insolvency, receivership or custodial proceeding;  (5) if anyone attempts to  checks or money orders marked "payment in full" and such action shall not 
    take any of your funds held by us via legal process or if you have a judgment  constitute final settlement of your account or a waiver or forgiveness of any 
    or  tax  lien  filed  against  you; (6)  if  you  make  any  false,  inaccurate,  or  amounts owing under this Agreement. 
    misleading statements in any credit application or credit update; or (7) if we, in  Enforcement. We do not lose our rights under this or any related agreement if 
    good faith, believe that your ability to repay what you owe is or soon will be  we delay enforcing them. If any provision of this or any related agreement is 
    impaired, or that you are unwilling to make your payments.  determined to be unenforceable or invalid, all other provisions remain in full 
    If you are in default, we have the right to demand immediate payment of your   force and effect. 
    full  account  balance  without  giving  you  notice.  If  immediate  payment  is   Returns and Adjustments. Merchants and others who honor the Card may 
    demanded, you agree to continue paying interest charges and fees until what   give credit for returns or adjustments, and they will do so by submitting a 
    you owe has been paid, and any shares that were given as security for your   credit slip which will be posted to your account. If your credits and payments 
    account  may  be  applied  towards  what  you  owe.  You  agree  to  pay  all   exceed what you owe us, the amount will be applied against future purchases 
    reasonable costs of collection, including court costs and attorney's fees, and   and cash advances. If the credit balance amount is  $1 or more, it will be 
    any costs incurred in the recovery of the Card, subject to applicable law. Even   refunded upon your written or verbal request. 
    if your unpaid balance is less than your credit limit, you will have no credit  
                                            Plan Merchant Disputes. We are not responsible for the refusal of any plan 
    available during any time that any aspect of your account is in default.   merchant  or  financial  institution  to  honor  your  Card.  Also,  we  are  not 
    Additional Benefits/Card Enhancements. We may from time to time offer   responsible for goods or services that you purchase with the Card unless: (a) 
    additional  services  to  your  Account  at  no  additional  cost  to  you.  You   your  purchase  was  made  in  response  to  an  advertisement  we  sent  or 
    understand that we are not obligated to offer such services and may withdraw   participated in sending you; or (b) your purchase cost more than $50 and was 
    or change them at any time.             made from a plan merchant in your state or within 100 miles of your home; 
    Convenience Checks. We may, at our discretion, issue checks to you which  and only if you have made a good faith attempt, but have been unable to 
    may be used for any purpose other than making a payment for credit to your  obtain  satisfaction  from  the  plan  merchant.  You  must  resolve  all  other 
    account. By signing such check, you authorize us to pay the item for the  disputes directly with the plan merchant. We do not warrant any merchandise 
    amount indicated and post such amount as a cash advance to your account.  or services purchased by you with the Card. 
    We do not have to pay any item which would cause the outstanding balance in  Money Transfer Services. If  you receive any transmittal amount from any  
    your account to exceed your credit limit.  Money Transfer Service (MTS) provider you agree not to receive more than  
    Credit Information. We may from time to time request personal information   $2,500.00 per day or more than $10,000.00 per month. We may increase or  
    from you or obtain credit reports from the credit reporting agencies for the   decrease these limits from time to time in our sole discretion. We reserve the  
    purpose of updating your credit status. Your failure to provide such information   right  to  accept  or  reject  any  MTS  request  in  our  sole  discretion.  Each  
    when requested by us may result in suspension of credit privileges under this   transmittal amount that is sent to your Card will generally be posted to your  
    Agreement,  including  your  ability  to  obtain  any  future  advances  by  any   Card within two (2) Business Days after we receive the Transmittal Amount  
    means. You authorize us to investigate your credit standing when opening or   from the Sender. 
    reviewing your account. You authorize us to disclose information regarding   Fees for MTSs. Once we begin charging fees we will normally deduct fees 
    your account to credit bureau and creditors who inquire about your credit   and charges automatically from your Card balance at the time a fee or charge is 
    standing.                               incurred for MTSs sent or received. 
    Foreign   Transactions;  Currency   Conversion. Purchases    and   cash  Statements and Notices. Statements and notices will be mailed to you at the 
    advances made in foreign currencies will be billed to you in U.S. dollars. The  most recent postal address or e-mail address (if you have elected to receive 
    conversion rate in dollars will be a rate selected by the card company from a  such documents via electronic means) you have given us. Notice sent to any 
    range of rates available in wholesale currency markets for the applicable  one of you will be considered notice to all. 
    central processing date, which rate may vary from the rate the card company 
                                            Notification of Address Change. You will notify us promptly if you change 
    itself receives, or the government-mandated rate in effect for the applicable 
                                            your address for any reason. In order to prevent identity theft, your identity 
    central processing date in each instance. All transactions processed outside of 
                                            may need to be verified before we act upon the notification. 
    the United States (which may include internet transactions) will be charged a 
                                            Copy Received. You  acknowledge that you have received a copy of this 
    foreign transaction fee in the amount disclosed on your Truth-in-Lending 
                                            Agreement. 
    Statement (as amended from time to time). 
                                            Governing Law. This Agreement shall be construed under federal law and 
    Termination; Change-in-Terms. We may, by written notice, terminate this 
                                            state law in the state in which we are primarily located, and the venue shall be 
    Agreement at any time, subject to applicable law. You may terminate this 
                                            located in the county and state in which we are primarily located. Operating 
    Agreement by written notice. Termination by either party shall not affect your 
                                            regulations of Visa may also apply. This Agreement is the contract that applies 
    obligation to repay any payments made for your account resulting from use of 
                                            to all transactions even though the sales, cash advance, convenience check, 
    the Card as well as Interest Charges and fees incurred. We may change the 
                                            credit or other slips you sign or receive may contain different terms.  
    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. 
                                        page 3 of 4 
  
                           
                          YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE 
                                                                                        
    This notice tells you about your rights and our responsibilities under the  After we finish our investigation, one of two things will happen: 
    Fair Credit Billing Act.                 �  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. 
    What To Do If You Find A Mistake On Your Statement 
                                             �  If we do not believe there was a mistake: You will have to pay the amount 
    If you think there is an error on your statement, write to us at the address(es)  in question, along with applicable interest and fees. We will send you a 
    listed on your statement.                 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  
    In your letter, give us the following information: 
                                              owe. 
     1. Your name and account number. 
     2. The dollar amount of the suspected error.  If you receive our explanation but still believe your bill is wrong, you must write 
     3. If you think there is an error on your bill, describe what you believe is  to us within 10 days telling us that you still refuse to pay. If you do so, we 
      wrong and why you believe it is a mistake.  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 
    You must contact us: 
                                            reported you as delinquent, and we must let those organizations know when 
     �  Within 60 days after the error appeared on your statement.  the matter has been settled between us. 
     �  At least 3 business days before an automated payment is scheduled, if 
      you want to stop payment on the amount you think is wrong.  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. 
    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  Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
    pay the amount in question. 
                                            If you are dissatisfied with the goods or services that you have purchased with  
    What Will Happen After We Receive Your Letter  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  
    When we receive your letter, we must do two things:  the purchase. 
     1. Within 30 days of receiving your letter, we must tell you that we received 
                                            To use this right, all of the following must be true: 
      your letter. We will also tell you if we have already corrected the error.  
                                             1. The purchase must have been made in your home state or within 100 
     2. Within 90 days of receiving your letter, we must either correct the error or 
                                              miles of your current mailing address, and the purchase price must have  
      explain to you why we believe the bill is correct. 
                                              been  more  than  $50.  (Note:  Neither  of  these  are  necessary  if  your  
    While we investigate whether or not there has been an error:  purchase was based on an advertisement we mailed to you, or if we own 
     �  We  cannot  try  to  collect  the  amount  in  question,  or  report  you  as  the company that sold you the goods or services.) 
      delinquent on that amount.             2. You must have used your credit card for the purchase. Purchases made 
     �  The charge in question may remain on your statement, and we may  with cash advances from an ATM or with a check that accesses your 
      continue to charge you interest on that amount.  credit card account do not qualify. 
     �  While you do not have to pay the amount in question, you are responsible  3. You must not yet have fully paid for the purchase. 
      for the remainder of your balance. 
                                            If  all  of  the  criteria  above  are  met  and  you  are  still  dissatisfied  with  the 
     �  We can apply any unpaid amount against your credit limit. 
                                            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.  
                                             
                                        page 4 of 4