- Describe the error and explain, if you can, why believe there is 
an error.  If you need more information, describe the item you 
are not sure about.

If you have authorized us to pay your credit card bill automatically from 
your savings or checking account, you can stop payment on any amount 
you think is wrong.  To stop payment, your letter must reach us three 
business days before the automatic payment is scheduled to occur.

the option to withdraw points previously  earned.  Points begin accruing 
again once the account is no longer delinquent or overlimit.

•  Points are non-transferable and are forfeited in the event the account 
is closed.

•  Points earned from other bonus programs you may be enrolled in at 
another institution cannot be combined with this program.

Your Rights and Our Responsibilities
After We Receive Your Written Notice

•  Points earned are redeemable for travel and merchandise rewards, as 
well as cash back.

We must acknowledge your letter within 30 days, unless we have corrected 
the error by then.  Within 90 days, we must either correct the error or 
explain why we believe the bill was correct.

•    Please  see  Program  Rules  and  Conditions  for  specific  details  on 
redemption  of  points  for  travel,  merchandise  or  cash.    Program  Rules 
and Conditions are available by request or at www.CURewards.com.

After  we  receive your  letter,  we  cannot try  to  collect any  amount you 
question or report you as delinquent.  We can continue to bill you for 
the amount you question, including finance charges, and we can apply 
any unpaid amount against your credit limit.  You do not have to pay any 
questioned amount while we are investigating, but you are still obligated 
to pay the parts of your bill that are not in question.If we find we made a 
mistake on your bill, you will not have to pay any finance charges related 
to any questioned amount.  If we didn't make a mistake, you may have to 
pay finance charges, and you will  have to make up any missed payments 
on the questioned amount.  In either case, we will send you a statement 
of the amount you owe and the date that it is due.

If you fail to pay the amount that we think you owe, we may report you 
as delinquent.  However, if our explanation does not satisfy you and you 
write to us within ten days telling us that you still refuse to pay, we must 
tell anyone we report you to that you have a question about your bill. We 
must tell you the name of anyone we report to that the matter has been 
settled between us when resolved.

Special Rule for Credit Card Purchases

If you have a problem with the quality of property or services that you 
purchased with a credit card, and you have tried in good faith to correct 
the  problem  with  the  merchant  you  may  have  the  right  not  to  pay  the 
remaining amount due on the property or services.  

There are two limitations on this right.

1.  You  must  have  made  the  purchase  in  your  home  state  or,  if 
not within your home state, within 100 miles  of your current 
mailing-address area.

2.  The purchase price must have been more than $50.

These limitations do not apply if we own or operate the merchant, or if we 
mailed you the advertisement for the property or services.

19.  CURewards.

•  You will earn one point for each dollar in net purchases.  No points  will    
be earned for cash advances,  balance transfers or convenience checks.

•  You will earn points if you remain a cardholder in good standing and 
your account is maintained according to the terms of the account. If your 
account is delinquent or overlimit, you will not accrue points, and we have 

•  Points will accrue over 5 calendar years, and will expire on a first in, 
first out basis annually (i.e., points earned in calendar year on will expire 
on the last business day of calendar year 5).

CENTRA 
CREDIT  UNION

                                           08/12                      M-106796

CENTRA
CREDIT UNION
SIGNATURE CREDIT CARD
AGREEMENT AND DISCLOSURE

In this Agreement the words you and your mean each and all of those who 
sign this Agreement.  Card means a VISA credit card and any duplicates 
and renewals the Credit Union issues.  Account means your VISA credit 
card line or credit account with the Credit Union.  Credit Union means 
the Credit Union whose name appears on this application, agreement or 
credit disclosure statement.

1.  Using the Account.  If you are approved for a VISA account, the Credit 
Union will establish a line of credit for you and notify you of its amount 
when the card is sent to you.  You agree not to let your account balance 
exceed your approved credit limit.  Each payment you make on the account 
will restore your credit limit by the amount of the payment which is applied 
to the principal amount of purchases and cash advances.  You may request 
an increase in your credit limit by calling 1-800-LOANS-123.  The new 
limit must be  approved by the Credit Union.  The Credit Union has the 
right to reduce or terminate your credit limit at anytime.

2.  Using the Card.  You may use the card issued to you to make purchases, 
not to exceed your credit line, in person, and by mail or telephone from 
merchants and others who accept VISA cards. In addition, you may obtain 
cash advances from the Credit Union, from other financial institutions 
participating in the VISA program, not to exceed your credit line. You 
will need to use your Personal Identification Number (PIN) to obtain a 
cash advance from an ATM. You may not use the card for any illegal or 
unlawful transaction, and we may decline to authorize any transaction that 
we believe poses an undue risk of illegality or unlawfulness.

3.    Responsibility.   You  agree  to  pay  all  charges  (purchases  and  cash 
advances) to your account made by you or anyone who you authorized to 
use your account.  Your obligation to pay the amount owed on your account 
continues until paid in full even though an agreement, divorce decree or 
other court judgment to which the Credit Union is not a party may direct 
someone else to pay the account balance.  If more than one person signs 
this Agreement, each is individually responsible for all amounts owed 
on the account and all are jointly responsible for all amounts owed.  This 
means the Credit Union can enforce this Agreement against any of you 
individually or all of you together.

4.    Finance  Charges.    Separate  finance  charges  for  purchases  and 
cash  advances  are  determined  by  multiplying  the  periodic  rate  by  the 
separate average daily balances for purchases and cash advances.  Each 
average daily balance is determined by taking the beginning balance (of 
cash advances or purchases) in your account each day, adding any new 
purchases  or  cash  advances  (whichever  is  applicable)  and  subtracting 
any payments or credits.  The results are the daily balances.  All the daily 
balances for the statement cycle are added and the total is divided by the 
number of days in the statement cycle to arrive at the average daily balance 
for the cycle.  Cash advances are always subject to FINANCE CHARGE 
from the date of the transaction. 

 
 
 
 
 
 
 
(a) Finance Charge.  The finance charge will be figured by 
applying the monthly periodic rate to the average daily balance 
of  Purchases  and  Cash Advances.   Your Annual  Percentage 
Rate (APR) is determined based on your creditworthiness and 
will be provided to you separately in writing at the time your 
credit card is approved.

APR = Prime + Margin

Prime Rate + 5.00%

Prime Rate + 6.00%

Prime Rate + 8.00%

Prime Rate + 10.00%

Prime Rate + 12.00%

Rates are variable and subject to change.  Maximum APR is 
24%.  Your APR will be calculated by adding a margin from 
above to the Prime rate as correctly published in the Wall Street 
Journal as of the 15th day of the month immediately preceding 
the billing cycle.  The Credit Union may adjust the rate once 
each month effective the first day of the billing cycle.  APR 
changes will reflect on the following months’ statement.

(b) How to Avoid Paying Interest on Purchases.  A Finance 
Charge will be imposed on Purchases posted during a Billing 
Cycle when the Previous Balance is not paid in full within the 
first 25 days of the Billing Cycle.  A Finance Charge will also 
be imposed on Purchases included in the New Balance when 
the New Balance is not paid in full within 25 days after the 
Closing Date.

(c)  Paying  Interest.  A  Finance  Charge  will  be  imposed  on 
Cash Advances from the date of the transaction to date paid. 
The Finance Charge accrued on the Cash Advances between 
the Closing date of the billing cycle and the date your account 
is credited will appear on your next statement. There is no time 
period within which to pay to avoid finance charges.

5.  Monthly Payment.  Each month you must pay at least the minimum 
payment shown on your statement by the date specified on your monthly 
statement.  You may pay more frequently, pay more than the minimum 
payment, or pay the Total New Balance in full.  If you make extra payments 
or larger payments, you are still required to  make at least the minimum 
payment each month your account has a balance.  Your minimum payment 
required each month is disclosed under "Credit Disclosures".  In addition, 
at any time your Total New Balance exceeds your credit limit, you must 
immediately pay the amount over your credit limit. 

6.  Default.  You will be in default if you fail to make any minimum 
payment or other required payment by the date that it is due.  You will 
be in default if you break any promise you make under this Agreement.  
You will be in default if you die, file for bankruptcy or become insolvent, 
that is, unable to pay your obligations when they become due.  You will 
be in default if you make any false or misleading statements in any credit 
application  or  credit  update.   You  will  also  be  in  default  if  something 
happens which the Credit Union believes may substantially reduce your 
ability to repay what you owe.  When you are in default, the Credit Union 
has the right to demand immediate payment of your full account balance 
without notice.  If immediate payment is demanded, you will continue 

to pay finance charge, at the periodic rate charged before default, until 
what you owe has been paid, and any shares that were given as security 
will be applied towards what you owe.  To the extent  permitted by law, 
you will also be required to pay the Credit Union's collection expenses, 
including court costs and reasonable attorneys' fees.

7.  Liability  for  Unauthorized  Use.    Unless  you  have  been  grossly 
negligent  or  have  engaged  in  fraud,  you  will  not  be  liable  for  any 
unauthorized transactions using your lost or stolen card.  This limit on 
liability does not apply to ATM transactions or to transactions using your 
personal identification number (PIN) which are not processed by VISA, or 
to commercial cards.  If you are liable for unauthorized transactions, your 
liability will not exceed $50.  In addition, even in these circumstances you 
will not be liable for unauthorized transactions that occur after you notify 
us orally or in writing, of the loss, theft, or possible unauthorized use. 

8. Lost Card Notification.  If you believe the Card or PIN has been lost or 
stolen or that someone has transferred money from your account without 
your permission, call:  1-800-449-7728 or write: 

Customer Service
P. O. Box 31112
Tampa, FL   33631-3112 

9.  Changing  or Terminating Your Account.   The  Credit  Union  may 
change the terms of the Agreement from time to time after giving you 
any advance notice required by law.  Your use of the card after receiving 
notice of a change will indicate your agreement to the change. You will 
have the option to close your account if you do not agree with the new 
terms. If you close your account, your minimum payments may be affected. 
The change will apply only to your future transactions.  Either the Credit 
Union or you may terminate this Agreement at any time, but termination by 
you or the Credit Union will not affect your obligation to pay the account 
balance plus any finance and other charges you owe under this Agreement.  
The cards you receive remain the property of the Credit Union and you 
must recover and surrender to the Credit Union all cards upon request or 
upon termination of this Agreement whether by you or the Credit Union.

10. Credit Information.  You authorize the Credit Union to investigate 
your  credit  standing  when  opening  or  reviewing  your  account.   You 
authorize the Credit Union to disclose information regarding your account 
to credit bureaus and creditors who inquire about your credit standing.

11. Returns and Adjustments.  Merchants and others who honor the card 
may give credit for returns or adjustments, and they will do so by sending 
the Credit Union a credit slip which will be posted to your account.  If 
your credits and payments exceed what you owe the Credit Union, the 
amount will be applied against future purchases and cash advances.  If 
the amount is $1 or more, it will be refunded upon your written request. 
If less than $1, it will be charged off after 6 months, provided the balance 
has remained the same for 3 consecutive months.

12.  Foreign  Transactions.    Purchases  and  cash  advances  made  in 
foreign  countries  and  foreign  currencies  will  be  billed  to  you  in  U.S. 
dollars.  The conversion rate to dollars will be made in accordance with 
the  operating  regulations  for  international  transactions  established  by 
VISA International, Inc. “Effective April 2, 2005, the exchange rate for 
international transactions will be a rate selected by Visa from the range 
of rates available in wholesale currency markets, which may vary from 
the rate Visa itself receives, or the government-mandated rate in effect 
for the applicable central processing date, plus 1%.”

Cross-Border  Transaction  Fee:  In  addition,  Visa®  charges  us  a  Cross-
Border Assessment  up  to  1%  on  each  Transaction  on  all  cross-border 
Transactions  regardless  of  whether  there  is  a  currency  conversion.  For 
purposes of this Section, "cross-border transaction” shall include both (a) 
Transactions initiated in a foreign country which are subsequently settled 
in the United States, and (b) Transactions initiated in the United States, 
but which are ultimately settled in a country outside of the United States. 
The Credit Union will assess these fees to you to reimburse it for the fee 
it is required to pay for each of your Transactions subject to these terms. 
The  Cross-Border  Transaction  Fee  will  be  shown  separately  on    your 
periodic billing statement. The Currency Conversion Fee, if it applies to 
the transaction, will be included in the Transaction amount posted on your 
statement.

13.  Merchant Disputes.  The Credit Union is not responsible for the 
refusal of any merchant or financial institution to honor the card.  The 
Credit Union is subject to claims and defenses (other than tort claims) 
arising out of goods or services you purchase with the card if you have 
made a good faith attempt but have been unable to obtain satisfaction 
from the merchant or service provider, and (a) your purchase was made 
in response to an advertisement the Credit Union sent or participated in 
sending to you; or (b) your purchase cost more than $50 and was made 
in your state or within 100 miles of your home.

14. Effect of Agreement.  This Agreement is the contract which applies 
to all transactions on your account even though the sales, cash advances, 
credit or other slips you sign or receive may contain different terms.  You 
agree to all the terms and charges contained in the "Credit Disclosures."

15. No Waiver.  The Credit Union can delay enforcing any of its rights 
any number of times without losing them.

16. Statement and Notices.  You will receive a statement each month 
showing transactions on your account.  Statements and notices will be 
mailed to you at the most recent address you have given the Credit Union.  
Notice sent to any one of you will be considered notice to all.

17.  Personal Identification Number (PIN).  We will furnish you with a 
personal identification number (PIN).  You agree to keep the PIN secret.  
You also agree you won't write the PIN on the VISA card or anything 
you keep with the VISA card.  You agree that your use of the PIN and 
VISA card in getting a cash advance or making a purchase constitutes 
your signature for purposes of such transaction.

18. YOUR BILLING RIGHTS
This  notice  contains  important  information  about  your  rights  and  our 
responsibilities under the Fair Credit Billing Act.

Notify Us In Case of Errors or Questions About Your  Bill

If you think your bill is wrong, or if you need more information about a 
transaction on your bill, write us on a separate sheet at the address listed on 
your bill.  Write to us as soon as possible.  We must hear from you no later 
than 60 days after we sent you the first bill on which the error or problem 
appeared.  You can telephone us, but doing so will not preserve your rights.

In your letter, give us the following information:

 - Your name and account number.
 - The dollar amount of the suspected error.