CONVENIENCE CHECKS:                        YOUR BILLING RIGHTS:     
                                                                                                                                                                       M-98822
                        Table 1 - Finance Charge and Fee Disclosure
                                                                         Convenience checks may be used to access your credit line. If there  KEEP THIS NOTICE FOR FUTURE USE  
                                                                                                                                             
    Description                Interest Rates and Interest Charges       is insuf?cient credit available, the check will be returned to the  This notice contains important information about your rights  
                                                                         payee.                                and our responsibilities under the Fair Credit Billing Act.  
                               Secured Card      Credit Rebuilder Card
                                                                                                                                                                 
    Annual Percentage Rate (APR) for Purchases,                                                                                                                  
                                                                         LOST OR STOLEN CARD:               NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR BILL
                               16.9%             20.9%                                                                                                           
    Balance Transfers, and Cash Advances                                 You may be liable for the unauthorized use of your credit card if  If you think your bill is wrong, or if you need more information   
                               Rates shown above are effective from January 19, 2010 to July 18,  you fail to notify us in a timely manner or refuse to cooperate with  about a transaction on your bill, write to us on a separate sheet at the   
                                                                                                            address listed on your statement.  Write to us as soon as possible.  SECURED & REBUILDER   
                               2010.                                     a fraud investigation.
                                                                                                                                                                 
                                                                         If your credit card is lost or stolen, or if you have reason to believe,  We must hear from you no later than 60 days after we sent you the 
                                                                                                                                                     VISA� CREDIT CARDS 
                                             Margin rates                                                                                                        
                                                                         another person may use your card without your permission, you  ?rst statement on which the error or problem appeared. You can   
                                                                                                                                                  AGREEMENT / DISCLOSURE
                               13.65%            17.65%                  must notify us immediately at (800) 654-7728.  If a telephone is  telephone us, but doing so will not preserve your rights.  
                                                                         not available, write to us at VISA Customer Service, P.O. Box  In your letter, give us the following information  
                               APR is determined by adding the above margin rate to the Wall                                                                     
                                                                         31112, Tampa, FL 33631-3112. If there is unauthorized use of your  �  Your name and account number
                                                                                                                                                       Effective January 19, 2010  
                               Street Prime as published in the Wall Street Journal on June 30th of  card, you agree to cooperate with us during the investigation and  �  The dollar amount of the suspected error.  
                               each year.                                prosecution of fraudulent use.     �  Describe the error and explain why you believe there is an error. 
                                                                                                                                               AGREEMENT:          
                                                                         We may return a convenience check unpaid if your card or checks  If you need more information, describe the item in question.
    Paying Interest            Your Payment due date is at least 25 days after the close of each                                               This agreement contains the terms and conditions of your CCCU   
                                                                         have been reported lost or stolen. If  you  have  authorized  us  to  pay  your  credit  card  payment 
                                                                                                                                               Visa�  Secured  or  Rebuilder  Credit  Card  and  associated  credit 
                               billing cycle. We will not charge you interest on purchases if you           automatically  from  your  savings  or  checking  account,  you  can 
                                                                                                                                               card  account.  In  this  agreement  the  words  �you�,  �your�,  and 
                               pay your entire balances by the due date each month. We will begin  CONSENSUAL SECURITY AGREEMENT: stop the payment on any amount you think is wrong.  To stop the 
                                                                                                                                               �cardholder�,  means  the  applicant  and  co-applicant  (if  any). 
                               charging interest on cash advances and balance transfers on the  By using your CCCU Visa� Secured or Rebuilder Credit Card or  payment, your letter must reach us three business days before the 
                                                                                                                                               �Primary  Cardholder�  refers  to  the  ?rst  name  on  the  account.  
                               transaction date.                         account number, you grant us a consensual security interest in all  automatic payment is scheduled to occur.
                                                                                                                                               �Agent� refers to any person authorized by you to use your card. 
                                                                         individual and joint accounts you have with the Credit Union now      The words �we�, �our�,�us�, �issuer�, �CCCU� or �Credit Union� 
    Minimum Interest Charge    If you are charged interest, the charge will be no less than $1.50 and in the future to secure credit card balances.   YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE 
                                                                                                                                               mean City County Credit Union of Fort Lauderdale. The term APR 
                                                                         In the event payments are not made as agreed and this account  RECEIVE YOUR WRITTEN NOTICE
    For Credit Card Tips from the Federal Reserve  To learn more about factors to consider when applying for or                                refers to Annual Percentage Rate.
                                                                         becomes more than 30 days past due, you hereby give authorization 
    Board                      using a credit card, visit the website of the Federal Reserve Board 
                                                                         for us to bring the account current by transferring funds from any  We must acknowledge your letter within 30 days, unless we have 
                               at http://www.federalreserve.gov/creditcard.                                                                    ACCEPTANCE OF THIS AGREEMENT:
                                                                         CCCU deposit account on which you are an owner. corrected the error by then. Within 90 days, we must either correct 
                                                                                                                                               You agree to the terms and conditions of this Agreement when you 
    Description                                Fees                                                         the error or explain why we believe the statement was correct.
                                                                                                                                               or an authorized agent uses the credit card account, or you do not 
                                                                         However, unless you expressly agree otherwise, your dwelling will  After we receive your letter, we cannot try to collect any amount 
    Annual Fee:                       $50                $50                                                                                   return the credit card (cut in half) to us within 30 days from the date 
                                                                         not secure your obligations under this Agreement even if we acquire  you question, or report you as delinquent.  We can continue to bill 
                                                                                                                                               of issue.
                               Charged at 12-month  Charged at account opening and  a mortgage on the dwelling based on use of your card. you for the amount you question, including Finance Charges, and 
                               anniversary of account opening. at 12-month anniversary of  Balances  in  an  Individual  Retirement  Account  and  any  other  we can apply any unpaid amount against your credit limit. You do 
                                                                                                                                               CARD USE:
                                                                                                            not have to pay any questioned amount while we are investigating, 
                                                 account opening.        accounts, which are tax exempt under State or Federal Law are not     You can use your credit card and account for personal, family or 
                                                                         subject to the security interest you have given in your authorization  but you are still obligated to pay the parts of your bill that are not 
                                                                                                                                               household purposes only. You may not use your credit card for any 
    Transaction Fees:                                                    to apply shares.                   in question.
                                                                                                                                               unlawful transaction or purposes not permitted by state or federal 
                                                                                                            If we ?nd that we made a mistake on your statement, you will not 
      Balance Transfer                         None                                                                                            law, including on-line gambling.
                                                                         OTHER:                             have to pay any Finance Charges related to any questioned amount.  
      Cash Advance                             None
                                                                         You understand and agree that the Credit Union may, at its option,  If we didn�t make a mistake, you may have to pay Finance Charges, 
                                                                                                                                               CREDIT LIMIT / LINE OF CREDIT:
                                                                                                            and you will have to make up any missed payments on the questioned 
      Foreign Transaction              3% of each transaction in U.S. dollars require an updated credit application at any time.               You have been issued a credit card with a speci?c credit limit or line 
                                                                         The Credit Union will not be responsible for merchandise or services  amount. In either case, we will send you a statement of the amount 
      Purchase Transaction                     None                                                                                            of credit. You shall be noti?ed of that credit limit when the card is 
                                                                         purchased by you with the card unless required by law. you owe and the date due.
                                                                                                                                               issued and the credit limit will appear on your monthly credit card 
    Penalty Fees:                                                        The Credit Union will not be responsible for the refusals of any  If you fail to pay the amount that we think you owe, we may report 
                                                                                                                                               statement.
                                                                         person to honor the card or if you are not able to use the card at an  you as delinquent.  However, if our explanation does not satisfy you 
      Late Payment                              $32                                                                                            You may request credit be extended with your credit card account 
                                                                         ATM machine.                       and you write to us within ten days telling us that you still refuse to 
                                                                                                                                               by:
      Returned Payment                          $10                      If any part of this Agreement shall be invalid or unenforceable, the  pay, we must tell you the name of anyone we reported you to. We 
                                                                                                                                               �  Using the credit card to purchase goods and services.
                                                                         remainder of the Agreement will remain in full force and effect. must tell anyone we reported you to that the matter has been settled 
    Service Fee:                                                                                                                               �  Requesting  a  cash  advance  or  balance  transfer  ($100 
                                                                         The Credit Union may delay enforcing any of its rights under  between us when it ?nally is.
                                                                                                                                                 minimum).
      Credit Card Overlimit Allowance $19 per transaction that exceeds $20 over credit limit this Agreement any number of times without losing the ability to  �  Using  the  card,  with  your  PIN  (Personal  Identi?cation 
                                                                         exercise its rights later.         SPECIAL RULES FOR CREDIT CARD PURCHASES
                                                                                                                                                 Number) to make cash withdrawals at an ATM (Automated 
                                                                                                            If you have a problem with the quality of property or services that 
                                                                         The Credit Union can enforce this Agreement against your heirs or        Teller Machine).
                                                                                                            you purchased with a credit card, and you tried in good faith to 
                                                                         legal representatives.                                                �  Using a Convenience Check ($100 minimum).
                                                                                                            correct the problem with the merchant, you may have the right not to 
                                                                         This Agreement shall be construed according to the laws of the State  We need not make any advance or extend credit if:
                                                                                                            pay the remaining amount due on the property or services.  There are 
                                                                         of Florida. You agree that venue for any action brought pursuant to   �  You are in default of this Agreement or any other CCCU 
                                                                                                            two limitations on this right (a) you must have made the purchase in 
                                                                         this Agreement shall be in Broward County, Florida.                     account agreement.
                                                                                                            your home state or, if not within your home state, within 100 miles of 
                                                                                                                                               �  Your ?nancial condition has adversely changed.
                                                                                                            your current mailing address, and (b) the purchase price must have 
                                                                                                                                               �  The advance or extension of credit would exceed your credit 
                                                                                                            been more than $50. These limitations do not apply if we own or 
                                                                                                                                                 limit.
                                                                                                            operate the merchant, or if we mailed you the advertisement for the 
                                                                                                                                               If the situation warrants, we may increase or decrease your credit 
                                                                                                            property or service.
                                                                                                                                               limit.
   CREDIT CARD OVERLIMIT ALLOWANCE:   Payments may also be made through CCCU Call-24 audio system,  If the New Balance indicated on your statement is paid in full by the  �  Take the amount owed under this Agreement from any deposit  ANNUAL FEE:
   You may enroll in the Credit Card Overlimit Allowance service if  CCCU Web Site (InfoLink), and at any CCCU branch. Payments  Payment Due Date, no ?nance charge will be imposed during the  account in your name. The annual fee for VISA Secured is $50 and is charged on the 
   you want to permit authorizations to take your balance up to 110%  made by these choices will be posted with that day�s effective date  current billing cycle for Cash Advances or Balance Transfers made  You understand that any remedy applicable under this agreement is  12-month anniversary of the opening month.
   of your credit limit. Contact us for enrollment form.  if received by 4pm local time during the previous billing cycles. extended equally to co-applicant or Guarantor. The annual fee for VISA Credit Rebuilder is $50 and is charged 
   If you have chosen not to have Credit Card Overlimit Allowance,  .    The Finance Charge, for a billing cycle, is computed by multiplying  If you are in default, you agree to pay all our costs, including  when the account is opened and on the 12-month anniversary.
   authorizations presented that will take you over your credit limit  PRE-AUTHORIZED CARD PAYMENT SERVICE: the Monthly Periodic Rate times the average daily Cash Advances  attorney�s fees, which we incur in any collection efforts or litigation 
   will be declined.                  You may pre-authorize CCCU to pay your credit card payment from  or Balance Transfers balance. The average daily outstanding balance  at the trial, bankruptcy or appellate level to enforce this Agreement  APPLICATION PROCESSING FEE:
                                      your savings or checking account each month in the amounts you  is calculated by dividing the sum of the daily balances during the  and collect the amount owed. Credit Rebuilder cardholders will incur a processing fee of $50 for 
   PROMISE TO PAY:                    have elected from the following options: billing cycle by the number of days in the cycle. The daily balance  the following actions:
   You agree to pay us all amounts owed on your account under this  �  The Minimum Payment (3% of the balance on the last day of  is determined by adding new Cash Advances or Balance Transfers  SKIP PAYMENT OPTION: �  Opening of the card account.
   Agreement. This includes charges for insurance (you elect), account  the billing cycle or $10, whichever is greater). and subtracting payments or credits to the previous day�s balance.  From time to time, the Credit Union, at its option and terms, may  �  Requesting a credit line increase.
   fees, and ?nance charges as described in this Agreement. �  The total outstanding unpaid balance Unpaid  ?nance  charges  are  excluded  in  determining  the  daily  announce an optional feature, which will allow you to skip one or  �  Requesting a transfer to another credit card product.
   By using or authorizing another agent to use your credit card or credit  �  A ?xed amount greater than the monthly Minimum Payment. balance. more payments. You understand that periodic ?nance charges will 
   card account, you agree to be responsible for all charges incurred  There are no transfer fees or charges for CCCU pre-authorized  continue to accrue on your unpaid balance at the applicable Monthly  LATE FEE:
   and to be bound by the terms and conditions of this Agreement. payment service.  PURCHASES:              Periodic Rate. At the end of the period, the payment terms of this  A late fee of $32 will be charged when a payment is not received 
   You, as Cardholder, will be liable and subsequently agree to pay      The ?nance charge on Purchases is calculated according to the  Agreement will be reinstated automatically without notice. within two days after the Payment Due Date or the payment was less 
   CCCU for credit purchases and loan advances extended to you or  PAYMENT APPLICATION: following method:                                      than the Minimum Payment amount due. The fee will be re?ected 
   any agent using your Card unless both of the following apply: Payment amounts received in excess of Minimum Payment shall be  A ?nance charge will be imposed on Purchases that you obtain  TERMS/CHANGE IN TERMS: on your monthly periodic statement.
   �  The person using your card did not have actual, implied, or  applied to card balances bearing the highest rate of interest and then  through the use of your Card, only if you elect not to pay the entire  You agree that we, at our sole discretion, may change all terms, 
     apparent authority from you for such use. to each successive balance bearing the next highest rate of interest,  New Balance by the Payment Due Date shown on your monthly  including annual percentage rates (APRs), line of credit amount,  CREDIT CARD OVERLIMIT ALLOWANCE FEE:
   �  You received no direct or indirect bene?t. until the payment amount is exhausted.  statement. The ?nance charge will be calculated on the unpaid  features and fees, any time in accordance with our agreement and  A  fee  of  $19  will  be  charged,  if  you  have  opted  to  permit 
   If this is a joint credit card account, you are jointly and severally  balance of previous Purchases from the statement closing date and  applicable law. We may make changes based on information in your  authorizations to take your balance up to 110% of your credit limit 
   liable for all credit purchases, and loan advances obtained using  PERIODIC STATEMENT: on Purchases made during the current billing cycle from the date of  credit report, market conditions, business strategies, or for any other  and authorizations have caused your account balance to exceed $20 
   your card by any authorized user.  Consequently, each of you,  We will send you a monthly statement at least 21 days prior to your  posting to the account. The ?nance charge will continue to accrue  reason we may choose.  We will provide advanced written notice of  over your credit limit. The Credit Card Overlimit Allowance Fee 
   together or individually, is responsible for all amounts owed. This  Payment Due Date (if your account is active) which will indicate  until the closing date of the billing cycle preceding the date on  a change in terms, as required by law.  The address of record, at the  will be charged with each new extension of credit that is over your 
   applies even if only one of you uses the account. your credit limit, statement closing date, previous statement balance,  which the entire New Balance is paid in full. time of a change, will be used for such notice. credit limit.
                                      payments, purchases, cash advances, ?nance charges, new balance,  The Finance Charge, for a billing cycle, is computed by multiplying  Any increase or decrease to an APR based on a change in terms, will 
   YOUR RIGHT TO CANCEL:              minimum monthly payment and payment due date. In addition, the  the  Monthly  Periodic  Rate  times  the  average  daily  Purchases  only apply to new cash advances (including ATM and convenience  FOREIGN CURRENCY TRANSACTIONS:
   You may cancel your credit card account at any time. If you opt  periodic statement shall include a payment warning that speci?es;  balance.  The average daily outstanding balance is calculated by  check  transactions),  balance  transfers,  and  purchases.   Existing  Purchases  and  cash  advances  made  in  foreign  currencies  will 
   to cancel and have an outstanding balance on your card it will be  the number of months it would take to pay the balance making  dividing the sum of the daily balances during the billing cycle by  balance shall remain at the existing APR until paid in full. be debited from your account in U.S. dollars. The exchange rate 
   frozen at the current APR until paid in full. Payments must be made  only the minimum balance payment, total interest and principal  the number of days in the cycle. The daily balance is determined  If we decide to make changes you will receive advance notice, as  between the transaction currency and the billing currency used for 
   as required or the account will be subject to late fees.  costs associated with paying the balance by making only minimum  by adding new Purchases and subtracting payments and credits to  required by law, and a right to opt out.  If you choose to opt out,  processing international transactions is a rate selected by Visa from 
   You also have the right to cancel permission for an authorized user  payments, monthly payment amount to pay the balance in 36 months,  the previous day�s balance. Unpaid ?nance charges are excluded in  we will close your card account.  You will then pay the remaining  a range of rates available in wholesale currency markets for the 
   to continue to use your credit card, you must notify us in writing and  and a toll-free number to obtain information on credit counseling.  determining the daily balance. balance at the rate in effect when closed.  Of course, this paragraph  applicable central processing date, which may vary from the rate 
   return any card(s) issued (cut in half) to or for the authorized user.  Statements will be deemed correct and accepted by Cardholder(s)  does not apply to changes required by law, our regulators, or our  Visa itself receives or the government-mandated rate in effect for 
   You will be liable for all purchases, cash advances, and account fees  unless CCCU is noti?ed to the contrary in writing within 60 days  DEFAULT: network providers. the applicable central processing date. The exchange rate used on 
   created by an authorized agent, until we receive the required written  of statement date. You will be in default on this Agreement if one or more of the  the processing date may differ from the rate that would have been 
   noti?cation and card.                                                 following occur:                   REVOCATION:                        used on the purchase date or cardholder statement posting date.
   If this is a joint account, either owner may request the account be  FINANCE CHARGE INTEREST APR: �  You  fail  to  make  a  Minimum  Payment  by  the  scheduled  You agree that your CCCU Visa� Secured or Rebuilder Credit Card 
   closed. We will honor the request without liability to either joint  The Interest Rate used to calculate Finance Charge is a variable rate  Payment Due Date. is the property of CCCU, not transferable, and must be surrendered  FOREIGN TRANSACTION FEE:
   cardholder.                        subject to change with the beginning of your August statement cycle  �  You fail to abide by the terms of this Agreement or any other  upon demand.  We can repossess the card, and revoke all privileges  A fee of 3% of the amount of the transaction, calculated in U.S. 
                                      each year and is indexed to the Wall Street Prime as published in the  agreement you may have with CCCU. at any time and without notice including, but not limited to, the  dollars,  will  be  imposed  on  all  foreign  transactions,  including 
   PAYMENTS:                          Wall Street Journal for June 30 th  of each year. A margin rate shall be  �  Your ?nancial or credit status has changed so that your credit  following conditions: purchases, cash advances, and credits to your account.  A foreign 
   On or before each Payment Due Date, you agree to make a payment.  added to the Prime rate (see Table 1). worthiness has been negatively impacted. �  A negative impact to your creditworthiness. transaction is any transaction that you complete or a merchant 
   The Payment Due Date will be the same date each month. The            In addition, you will be considered in default of this Agreement if:  �  Your CCCU loan account/s is delinquent. completes on your card outside of the U.S., Puerto Rico or the 
   minimum payment amount is 3% of your card account balance, (as  FINANCE CHARGE CALCULATION: �  Cardholder dies �  Your failure to maintain the minimum required balance on  U.S. Virgin Islands.  The fee amount will appear on your statement 
   of the last day of the billing cycle) or $10, whichever is greater. Cash Advances / Balance Transfers: �  You declare bankruptcy or insolvency. your Credit Union Share Account. directly below the transaction details.
   The Credit Union does, however, reserve the right to charge for  The ?nance charge on cash advance, (including automated teller  �  You have an attachment or garnishment proceeding initiated  �  Your failure to satisfy or adhere to the terms and conditions of 
   dishonored payment due to insuf?cient or uncollected funds in  machine (ATM) and convenience check transactions), and balance  against you or your property. this Agreement. RETURNED PAYMENT FEE:
   accordance with the CCCU Fee Schedule. transfers are calculated according to the following method:       �  You  make  false  or  misleading  statements  in  any  credit  A Returned Payment Fee of $10 will be charged if the drawee 
   We can accept late payments, partial payments, payments that are  A ?nance charge will be charged on Cash Advances and Balance  DEFAULT REMEDIES: application or update of credit information. ?nancial institution, for any reason, returns the item you used as a 
   marked �payment in full�, or payments with restrictive endorsements,  Transfers from the date of the transaction or from the ?rst day of  If you are in default, CCCU may take one or more of the following  �  If something happens which the Credit Union believes may  credit card payment.
   without losing any of our rights under this Agreement. the billing cycle in which the transaction is posted to the account  actions: reduce your ability to repay what you owe.
   Payment for more than the minimum amount will be accepted as a  (whichever is later). If not paid in full during the same billing cycle  �  Cancel cards
   single payment on your CCCU Visa� Secured or Rebuilder Credit  as made, the ?nance charge will accrue on the unpaid balance until  �  Accelerate all amounts owed without notice on demand.
   Card account for that month.       the billing cycle Closing Date prior to the date the entire New  �  Require past due payment(s) and fees to be paid immediately.
   Payments  should  be  mailed  and  addressed  to VISA,  P.O.  Box  Balance is paid in full. �  Take  the  past  due  payment(s)  and  fees  from  any  deposit 
   96099, Charlotte, NC 28296-0099. Please allow suf?cient mailing         account in your name.
   time for payment posting.                                             �  Require you to immediately pay all amounts you owe under 
                                                                            this Agreement.