Page 5 of 6
00902690 -MXC30 -P-1-072817 (MXC302 -E)31. SOUTH DAKOTA RESIDENTS � If You believe there have been any improprieties in making this loan or in the lender�s loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre, SD 57501, or by phone at 605.773.3421. 32. WISCONSIN RESIDENTS � If You are married, please contact Us immediately upon receipt of this Agreement at the address or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are required to inform Your spouse that We have opened an Account for You. 33. NOTICE TO UTAH BORROWERS � This written Agreement is a final expression of the Agreement between Youand the Credit Union. This written Agreement may not be contradicted by evidence of any oral Agreement. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations. 34. THE FOLLOWING IS REQUIRED BY VERMONT LAW � NOTICE TO CO-SIGNER � YOUR SIGNATURE ON THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YO U. 
Page 6 of 6
00902690 -MXC30 -P-1-072817 (MXC302 -E)Your Billing Rights: Keep this Document for Future Use  
This notice tells You about Your rights and Our responsibilities under the Fair Credit Billing Act.  
What To Do If You Find A Mistake On Your Statement  
If You think there is an error on Your statement, write to Us at the address listed on Your statement.  
In Your letter, give Us the following information:  -  
Account information: Your name and Account number.  
-   Dollar amount: The dollar amount of the suspected error.  
-   Description of problem: If You think there is an error on Your bill, describe what You believe is wrong and why You believe it is a mistake.
 
You must contact Us:  
-  Within 60 days after the error appeared on Your statement.  
-   At least three business days before an automated payment is scheduled, if You want to stop payment on the amount You think is wrong.
 
You must notify Us of any potential errors in writing or electronically. You may call Us, but if You do We are not required to investigate any potential errors and You may have to pay the amount in question.
 
What Will Happen After We Receive Your Letter  
When We receive Your letter, We must do two things:  
1.Within 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if We havealready corrected the error.2.Within 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill iscorrect.While We investigate whether or not there has been an error:
 
-  We cannot try to collect the amount in question, or report You as delinquent on that amount.  
-  The charge in question may remain on Your statement, and We may continue to charge You interest on that amount.  
-  While You do not have to pay the amount in question, You are responsible for the remainder of Your balance.  
-  We can apply any unpaid amount against Your credit limit.  
After We finish Our investigation, one of two things will happen:  
-  If We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.
 
-  If We do not believe there was a mistake:  You will have to pay the amount in question, along with applicable interest and fees. We will send You a statement of the amount You owe and the date payment is due. We may then report You as delinquent if You do not pay the amount We think You owe. 
 
If You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You still refuse to pay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Your bill. We must tell You the name of anyone to whom We reported You as delinquent, and We must let those organization s know when the matter has been settled between Us.
 
If We do not follow all of the rules above, You do not have to pay the first $50 of the amount You question even if Your bill is correct.
 
Your Rights if You Are Dissatisfied With Your Credit Card Purchases  
If You are dissatisfied with the goods or services that You have purchased with Your credit card, and You have tried in good faith to correct the problem with the merchant, You may have the right not to pay the remaining amount due on the purchase.
 
To use this right, all of the following must be true:  
1. The purchase must have been made in Your home state or within 100 miles of Your current mailing address, and thepurchase price must have been more than $50. (Note: Neither of these are necessary if Your purchase was based on an advertisement We mailed to You, or if We own the company that sold You the goods or services.)2.You must have used Your credit card for the purchase. Purchases made with cash advances from an ATM or with acheck that accesses Your credit card Account do not qualify.3.You must not yet have fully paid for the purchase.If all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing or electronically at the address 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. 
� CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved 00902690 -MXC30 -C-1-080417 (MXC302 -E)
CONSUMER 
CREDIT CARD 
AGREEMENT  
AND 
DISCLOSURE  
VISA PLATINUM/VISA SIGNATURE REWARDS VISA SIGNATURE CASH BACK/VISA SAVINGS SECURED 
This Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other Account opening documents or any subsequent documents provided to You related to this Account (hereinafter collectively referred to as �Agreement�) govern the terms and conditions of this Account. �We,� �Us,� �Our� and �Ours� and �Credit Union� refers to VyStar Credit Union with which this Agreement is made. �You,� �Your,� and �Yours� refers to each applicant and co-applicant for the Account; any person responsible for paying the Account; and anyone You authorize to use, access or service the Account. "Card" means the Visa� credit card and any other access devices, duplicates, renewals, or substitutions, including convenience checks, the Credit Union issues to You. "Account" means the line of credit established by this Agreement and includes Your Card. 
SECURITY INTEREST  
You grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights the Credit Union may have in any goods You purchase. If You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares will secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Y our Account until the Credit Union agrees to release all or part of the pledged amount.  You grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now and in the future to secure Your credit card Account. S hares and deposits in an IRA or any other account that would lose special tax treatment under state or federal law if given as security are not subject to the security interest You have given in Your shares and deposits. You may withdraw these other shares  unless You are in default. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due. For example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay any or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any periods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a covered borrower, and Your pledge will apply, if: (i) You est ablished Your credit card Account when You were not a covered borrower; or (ii) You cease to be a covered borrower.  Unless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union may also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding anything to the contrary in any other Agreement.
 
1.USING YOUR ACCOUNT � By using the Account or keeping the Card, You agree to the terms of this Agreement.You agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful transactions. 2.CREDIT LIMIT � We may establish a credit limit as part of this Agreement, which You promise not to exceed. If Yo u exceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts due to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method acceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or terminate Your Account at any time for any reason permitted by law. 3.CONVENIENCE CHECKS � We may, from time to time, issue convenience checks to You that may be drawn onYour Account. Convenience checks may not be used to make a payment on Your Account. If You use a convenience check, it will be posted to Your Account as a cash advance. We reserve the right to refuse to pay a convenience check drawn on Your Account for any reason and such refusal shall not constitute wrongful dishonor. You may request that We stop the payment of a convenience check drawn on Your Account. You agree to pay any fee as identified in this 
www.communitychoicecu.comM-127988
www.communitychoicecu.comP.O. Box 45085Jacksonville, FL 32232-5085(904) 777-6000(800) 445-6289www.vystarcu.org
13869.indd   1-3 2/9/19   8:00 AMPage 5 of 6
00902690 -MXC30 -P-1-072817 (MXC302 -E)31. SOUTH DAKOTA RESIDENTS � If You believe there have been any improprieties in making this loan or in the lender�s loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre, SD 57501, or by phone at 605.773.3421. 32. WISCONSIN RESIDENTS � If You are married, please contact Us immediately upon receipt of this Agreement at the address or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are required to inform Your spouse that We have opened an Account for You. 33. NOTICE TO UTAH BORROWERS � This written Agreement is a final expression of the Agreement between Youand the Credit Union. This written Agreement may not be contradicted by evidence of any oral Agreement. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations. 34. THE FOLLOWING IS REQUIRED BY VERMONT LAW � NOTICE TO CO-SIGNER � YOUR SIGNATURE ON THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YO U. 
Page 6 of 6
00902690 -MXC30 -P-1-072817 (MXC302 -E)Your Billing Rights: Keep this Document for Future Use  
This notice tells You about Your rights and Our responsibilities under the Fair Credit Billing Act.  
What To Do If You Find A Mistake On Your Statement  
If You think there is an error on Your statement, write to Us at the address listed on Your statement.  
In Your letter, give Us the following information:  -  
Account information: Your name and Account number.  
-   Dollar amount: The dollar amount of the suspected error.  
-   Description of problem: If You think there is an error on Your bill, describe what You believe is wrong and why You believe it is a mistake.
 
You must contact Us:  
-  Within 60 days after the error appeared on Your statement.  
-   At least three business days before an automated payment is scheduled, if You want to stop payment on the amount You think is wrong.
 
You must notify Us of any potential errors in writing or electronically. You may call Us, but if You do We are not required to investigate any potential errors and You may have to pay the amount in question.
 
What Will Happen After We Receive Your Letter  
When We receive Your letter, We must do two things:  
1.Within 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if We havealready corrected the error.2.Within 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill iscorrect.While We investigate whether or not there has been an error:
 
-  We cannot try to collect the amount in question, or report You as delinquent on that amount.  
-  The charge in question may remain on Your statement, and We may continue to charge You interest on that amount.  
-  While You do not have to pay the amount in question, You are responsible for the remainder of Your balance.  
-  We can apply any unpaid amount against Your credit limit.  
After We finish Our investigation, one of two things will happen:  
-  If We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.
 
-  If We do not believe there was a mistake:  You will have to pay the amount in question, along with applicable interest and fees. We will send You a statement of the amount You owe and the date payment is due. We may then report You as delinquent if You do not pay the amount We think You owe. 
 
If You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You still refuse to pay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Your bill. We must tell You the name of anyone to whom We reported You as delinquent, and We must let those organization s know when the matter has been settled between Us.
 
If We do not follow all of the rules above, You do not have to pay the first $50 of the amount You question even if Your bill is correct.
 
Your Rights if You Are Dissatisfied With Your Credit Card Purchases  
If You are dissatisfied with the goods or services that You have purchased with Your credit card, and You have tried in good faith to correct the problem with the merchant, You may have the right not to pay the remaining amount due on the purchase.
 
To use this right, all of the following must be true:  
1. The purchase must have been made in Your home state or within 100 miles of Your current mailing address, and thepurchase price must have been more than $50. (Note: Neither of these are necessary if Your purchase was based on an advertisement We mailed to You, or if We own the company that sold You the goods or services.)2.You must have used Your credit card for the purchase. Purchases made with cash advances from an ATM or with acheck that accesses Your credit card Account do not qualify.3.You must not yet have fully paid for the purchase.If all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing or electronically at the address 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. 
� CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved 00902690 -MXC30 -C-1-080417 (MXC302 -E)CONSUMER 
CREDIT CARD 
AGREEMENT  
AND 
DISCLOSURE  
VISA PLATINUM/VISA SIGNATURE REWARDS VISA SIGNATURE CASH BACK/VISA SAVINGS SECURED 
This Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other Account opening documents or any subsequent documents provided to You related to this Account (hereinafter collectively referred to as �Agreement�) govern the terms and conditions of this Account. �We,� �Us,� �Our� and �Ours� and �Credit Union� refers to VyStar Credit Union with which this Agreement is made. �You,� �Your,� and �Yours� refers to each applicant and co-applicant for the Account; any person responsible for paying the Account; and anyone You authorize to use, access or service the Account. "Card" means the Visa� credit card and any other access devices, duplicates, renewals, or substitutions, including convenience checks, the Credit Union issues to You. "Account" means the line of credit established by this Agreement and includes Your Card. 
SECURITY INTEREST  
You grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights the Credit Union may have in any goods You purchase. If You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares will secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Y our Account until the Credit Union agrees to release all or part of the pledged amount.  You grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now and in the future to secure Your credit card Account. S hares and deposits in an IRA or any other account that would lose special tax treatment under state or federal law if given as security are not subject to the security interest You have given in Your shares and deposits. You may withdraw these other shares  unless You are in default. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due. For example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay any or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any periods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a covered borrower, and Your pledge will apply, if: (i) You est ablished Your credit card Account when You were not a covered borrower; or (ii) You cease to be a covered borrower.  Unless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union may also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding anything to the contrary in any other Agreement.
 
1.USING YOUR ACCOUNT � By using the Account or keeping the Card, You agree to the terms of this Agreement.You agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful transactions. 2.CREDIT LIMIT � We may establish a credit limit as part of this Agreement, which You promise not to exceed. If Yo u exceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts due to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method acceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or terminate Your Account at any time for any reason permitted by law. 3.CONVENIENCE CHECKS � We may, from time to time, issue convenience checks to You that may be drawn onYour Account. Convenience checks may not be used to make a payment on Your Account. If You use a convenience check, it will be posted to Your Account as a cash advance. We reserve the right to refuse to pay a convenience check drawn on Your Account for any reason and such refusal shall not constitute wrongful dishonor. You may request that We stop the payment of a convenience check drawn on Your Account. You agree to pay any fee as identified in this 
www.communitychoicecu.comM-127988
www.communitychoicecu.comP.O. Box 45085Jacksonville, FL 32232-5085(904) 777-6000(800) 445-6289www.vystarcu.org
13869.indd   1-3 2/9/19   8:00 AMPage 5 of 6
00902690 -MXC30 -P-1-072817 (MXC302 -E)31. SOUTH DAKOTA RESIDENTS � If You believe there have been any improprieties in making this loan or in the lender�s loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre, SD 57501, or by phone at 605.773.3421. 32. WISCONSIN RESIDENTS � If You are married, please contact Us immediately upon receipt of this Agreement at the address or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are required to inform Your spouse that We have opened an Account for You. 33. NOTICE TO UTAH BORROWERS � This written Agreement is a final expression of the Agreement between Youand the Credit Union. This written Agreement may not be contradicted by evidence of any oral Agreement. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations. 34. THE FOLLOWING IS REQUIRED BY VERMONT LAW � NOTICE TO CO-SIGNER � YOUR SIGNATURE ON THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YO U. 
Page 6 of 6
00902690 -MXC30 -P-1-072817 (MXC302 -E)Your Billing Rights: Keep this Document for Future Use  
This notice tells You about Your rights and Our responsibilities under the Fair Credit Billing Act.  
What To Do If You Find A Mistake On Your Statement  
If You think there is an error on Your statement, write to Us at the address listed on Your statement.  
In Your letter, give Us the following information:  -  
Account information: Your name and Account number.  
-   Dollar amount: The dollar amount of the suspected error.  
-   Description of problem: If You think there is an error on Your bill, describe what You believe is wrong and why You believe it is a mistake.
 
You must contact Us:  
-  Within 60 days after the error appeared on Your statement.  
-   At least three business days before an automated payment is scheduled, if You want to stop payment on the amount You think is wrong.
 
You must notify Us of any potential errors in writing or electronically. You may call Us, but if You do We are not required to investigate any potential errors and You may have to pay the amount in question.
 
What Will Happen After We Receive Your Letter  
When We receive Your letter, We must do two things:  
1.Within 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if We havealready corrected the error.2.Within 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill iscorrect.While We investigate whether or not there has been an error:
 
-  We cannot try to collect the amount in question, or report You as delinquent on that amount.  
-  The charge in question may remain on Your statement, and We may continue to charge You interest on that amount.  
-  While You do not have to pay the amount in question, You are responsible for the remainder of Your balance.  
-  We can apply any unpaid amount against Your credit limit.  
After We finish Our investigation, one of two things will happen:  
-  If We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.
 
-  If We do not believe there was a mistake:  You will have to pay the amount in question, along with applicable interest and fees. We will send You a statement of the amount You owe and the date payment is due. We may then report You as delinquent if You do not pay the amount We think You owe. 
 
If You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You still refuse to pay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Your bill. We must tell You the name of anyone to whom We reported You as delinquent, and We must let those organization s know when the matter has been settled between Us.
 
If We do not follow all of the rules above, You do not have to pay the first $50 of the amount You question even if Your bill is correct.
 
Your Rights if You Are Dissatisfied With Your Credit Card Purchases  
If You are dissatisfied with the goods or services that You have purchased with Your credit card, and You have tried in good faith to correct the problem with the merchant, You may have the right not to pay the remaining amount due on the purchase.
 
To use this right, all of the following must be true:  
1. The purchase must have been made in Your home state or within 100 miles of Your current mailing address, and thepurchase price must have been more than $50. (Note: Neither of these are necessary if Your purchase was based on an advertisement We mailed to You, or if We own the company that sold You the goods or services.)2.You must have used Your credit card for the purchase. Purchases made with cash advances from an ATM or with acheck that accesses Your credit card Account do not qualify.3.You must not yet have fully paid for the purchase.If all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing or electronically at the address 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. 
� CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved 00902690 -MXC30 -C-1-080417 (MXC302 -E)CONSUMER 
CREDIT CARD 
AGREEMENT  
AND 
DISCLOSURE  
VISA PLATINUM/VISA SIGNATURE REWARDS VISA SIGNATURE CASH BACK/VISA SAVINGS SECURED 
This Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other Account opening documents or any subsequent documents provided to You related to this Account (hereinafter collectively referred to as �Agreement�) govern the terms and conditions of this Account. �We,� �Us,� �Our� and �Ours� and �Credit Union� refers to VyStar Credit Union with which this Agreement is made. �You,� �Your,� and �Yours� refers to each applicant and co-applicant for the Account; any person responsible for paying the Account; and anyone You authorize to use, access or service the Account. "Card" means the Visa� credit card and any other access devices, duplicates, renewals, or substitutions, including convenience checks, the Credit Union issues to You. "Account" means the line of credit established by this Agreement and includes Your Card. 
SECURITY INTEREST  
You grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights the Credit Union may have in any goods You purchase. If You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares will secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Y our Account until the Credit Union agrees to release all or part of the pledged amount.  You grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now and in the future to secure Your credit card Account. S hares and deposits in an IRA or any other account that would lose special tax treatment under state or federal law if given as security are not subject to the security interest You have given in Your shares and deposits. You may withdraw these other shares  unless You are in default. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due. For example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay any or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any periods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a covered borrower, and Your pledge will apply, if: (i) You est ablished Your credit card Account when You were not a covered borrower; or (ii) You cease to be a covered borrower.  Unless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union may also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding anything to the contrary in any other Agreement.
 
1.USING YOUR ACCOUNT � By using the Account or keeping the Card, You agree to the terms of this Agreement.You agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful transactions. 2.CREDIT LIMIT � We may establish a credit limit as part of this Agreement, which You promise not to exceed. If Yo u exceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts due to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method acceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or terminate Your Account at any time for any reason permitted by law. 3.CONVENIENCE CHECKS � We may, from time to time, issue convenience checks to You that may be drawn onYour Account. Convenience checks may not be used to make a payment on Your Account. If You use a convenience check, it will be posted to Your Account as a cash advance. We reserve the right to refuse to pay a convenience check drawn on Your Account for any reason and such refusal shall not constitute wrongful dishonor. You may request that We stop the payment of a convenience check drawn on Your Account. You agree to pay any fee as identified in this 
www.communitychoicecu.comM-127988
www.communitychoicecu.comP.O. Box 45085Jacksonville, FL 32232-5085(904) 777-6000(800) 445-6289www.vystarcu.org
13869.indd   1-3 2/9/19   8:00 AMM-132453