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  
. You can contact us toll free at (800) 237-9829 or 1070 Edgefield Road, P.O. Box 6730, 
accurate as of        1/01/2011 

North Augusta, SC 29861 to inquire if any changes occurred since the effective date. 

INTEREST RATES and INTEREST CHARGES: 

Annual Percentage Rate (APR) 
for  Purchases,  Cash  Advances, 
& Balance Transfers 

VISA PLATINUM NO 

VISA TRAVEL 

VISA CASH BACK 

FRILLS 

REWARDS 
6.25% - 14.25%   8.25% - 18.00%   8.25% - 18.00% 
depending on your credit 
depending on your credit 
depending on your credit 
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. 

VISA CLASSIC 

13.90%  

How to Avoid Paying Interest on 
Purchases 

Your due date is at least 21 days after we mail your billing statement. We will not 
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 
Federal Reserve Board 

To learn more about factors to consider when applying for or using a credit card, visit 
the website of the Federal Reserve Board at 
http://www.federalreserve.gov/creditcard  

FEES:  

Fees to Open or Maintain your  
Account  

- Annual Fee: 
- Application Fee: 

Transaction Fees 

- Balance Transfer: 
- Cash Advance: 
- Foreign Transaction: 

Penalty Fees 

- Late Payment: 
- Over-the-Credit Limit: 
- Returned Payment: 
-  Declined  Access  Check:  - 
Convenience  Check  Stop  
  Payment Request: 

None 
None 

None 
None 
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  

Up to $10.00 if your payment is late 15 days or more 
None 
Up to $5.00 if your payment is returned for any reason  
Up to $22.00 if a convenience check is declined for any reason 

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. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
1070 Edgefield Road 
P.O. Box 6730 
North Augusta, SC 29861 
(800) 237-9829 

CREDIT CARD AGREEMENT  

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. 

SECURITY:  YOU   SPECIFICALLY  GRANT   US   A   CONSENSUAL 
SECURITY  INTEREST    IN  ALL  INDIVIDUAL  AND    JOINT  ACCOUNTS  
YOU  HAVE  WITH  US  NOW  AND  IN  THE  FUTURE  TO  SECURE  
REPAYMENT OF CREDIT EXTENDED UNDER THIS AGREEMENT. YOU 
ALSO  AGREE  THAT  WE  HAVE  SIMILAR  STATUTORY  LIEN  RIGHTS  
UNDER  STATE AND/OR  FEDERAL LAW. THE  GRANTING  OF  THIS  
SECURITY  INTEREST  IS  A  CONDITION  FOR  THE  ISSUANCE  OF 
CREDIT  UNDER  THIS  AGREEMENT.  IF  YOU  ARE  IN  DEFAULT,  WE  
CAN  APPLY YOUR SHARES TO THE  AMOUNT YOU OWE. Shares and  
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 
subject to this security interest. 
If you  have  other loans  with  us,  collateral securing  such  loans  may  also 
secure your obligations under this Agreement, unless that other collateral is 
your principal residence or non-purchase money household goods. 

Using  Your  Card.  You  can  purchase  or  lease  goods  and  services  from  any  
merchant  who  honors  your  Card,  and  you  may  obtain  cash  advances  from  
financial  institutions  and  ATM  machines  that  accept  the  Card,  up  to  your   
maximum credit limit. You agree not to present your Card or obtain a cash  
advance for any extension of credit in excess of your available credit limit;  
however, if you do exceed your credit limit, you agree to make immediate  
payment  sufficient  to  bring  the  balance  below  the  credit  limit.  Certain  
purchases and cash advances require authorization prior to completion of the  
transaction. In some cases, you may be asked to provide identification. If our  
system is not working,  we may not be able to authorize a transaction, even  
though you have sufficient credit available. Also, for security reasons, we may  
block the use of your Card in certain countries or geographic areas. We will  
have no liability to you or others if any of these events occur. 
Large  Payment  Amounts;  Suspension  of  Credit  Line:  To  protect  you  and 
us, the Credit Union, in its sole discretion, may place a temporary freeze 
on  all  or  part of  the  credit  available  to  you for  new  purchases  or cash 
advances  under  this  agreement  any  time  the  Credit  Union  receives  a 
large  payment [$1,000.00]  or  more,  by  a  method  other  than  cash, 
certified  funds or electronic transfer. In  such cases,  the Credit Union 
may freeze your credit line until payment is actually collected by us. 
Personal   Identification   Number (PIN). We    may   issue   a   Personal 
Identification Number (PIN) for use with your Card. This PIN is confidential 
and should not be disclosed to anyone. You may use your PIN and your Card 
to access your account, and all sums advanced will be added to your account 
balance.  In the event  a use of your  PIN constitutes  an Electronic  Funds 
Transfer,  the  terms  and  conditions  of  your  Electronic  Funds  Transfer 
Agreement may affect your rights. 
Promise To Pay. You promise to pay us in U.S. dollars for (a) all purchases, 
cash  advances,  and  balance  transfers  made  by  you  or  anyone  whom  you 
authorize  to  use  the  Card;  (b)  all  Interest  Charges  and  all  other  charges  or 
fees; (c) collection costs and  attorney's fees  as permitted  by applicable law, 
and any costs incurred in the recovery of the Card; and (d) credit in excess of 
your credit limit that we may extend to you. 
Illegal Transactions. You agree that your Card and account will not be used  
to make or facilitate any illegal transactions as determined by applicable law;  
and that any such use will constitute an event of default under this Agreement.  
We may decline any transaction that we believe to be illegal under applicable  
law, including but not limited to any  transaction involving  or  relating to  any  
gambling  activity.  You  agree  that  we  will  have  no  liability  or  responsibility  for  
any  such  use  by  you  or any  authorized  user(s);  or for declining  any  such  
transaction.  You  further  agree  to  indemnify  and  hold  us  harmless  from  any  
suits,  liability,  damages  or  adverse  action  of  any  kind  that  results  directly  or  
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. 

Joint Accounts. Each of you will be responsible, jointly and severally, for the 
repayment  of  amounts  owed,  regardless  of  who  initiated  any  transaction 
under the account. 
Others  Using  Your  Account.  If you  allow  anyone  else  to  use  your  account,  
you will be liable for all credit extended to such persons. You promise to pay  
for  all  purchases  and  advances  made  by  anyone  you  authorize  to  use  your  
account,  whether  or  not  you  notify  us  that  he  or  she  will  be  using  it.  If  
someone else is authorized to use your account and you want to end that  
person's privilege, you must notify us in writing, and if he or she has a Card,  
you must return that Card with your written notice for it to be effective. 
Ownership  of  Card. Your  Card  remains  our  property  and  may  be  cancelled 
by us at any time without notice. You agree to surrender your Card and to 
discontinue use of the account immediately upon our request. 
Interest  Charges.  Average  Daily  Balance  including  new  transactions:  
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  
advances,  and  subtract  any  payments,  unpaid  interest  charges,  and  unpaid  
late charges. This gives us the daily balance. Then,  we add up all the daily  
balances for the billing cycle and divide that by the number of days in the  
billing cycle. We then multiply that by the  periodic  rate corresponding to the  
Annual  Percentage  Rate  on  your  account.  If  you  have  different rates  for  
purchases,  cash  advances  or  balance  transfers,  separate  average  daily  
balances for each will be calculated and the  appropriate periodic rate is then  
applied to each. 
Grace  Period  on  Purchases  Only: You  can  avoid  Interest  Charges  on 
purchases  by  paying  the  full  amount  of  the  new  balance  for  purchases  each 
month by the date on which the payment is due. Otherwise, the new balance 
of  your  account,  and  subsequent  advances  from  the  date  they  are  posted  to 
the  account,  will  be  subject  to  an  Interest  Charge.  You  cannot  avoid  Interest 
Charges on cash advances; even if you pay the entire cash advance balance 
by the payment due date, you will incur the Interest Charges accrued from the 
date the cash advance is posted to your account. 
Fees. In addition to the Interest Charges set forth above, you agree to also 
pay any and all fees that you incur as disclosed to you on your Truth-in- 
Lending Statement  or similar disclosures  (as may  be  amended from time to 
time), or as disclosed to you during the term of your Card. 
If  Your  Card  is  Lost  or  Stolen  or  if  an  Unauthorized  Use  Occurs.  You  
agree to notify us immediately if your Card is ever lost or stolen or if an  
unauthorized  use  may  have  occurred.  "Unauthorized  use"  means  the  use  of  
the  Card  by  someone  other than you  who  does  not  have  actual,  implied  or  
apparent  authority  for  such  use,  and  from  which  you  receive  no  benefit.  The  
telephone number to call is (800) 991-4964. You agree to follow up your call  
with notice in writing to us at: 1070 Edgefield Road, P.O. Box  6730, North  
Augusta, SC  29861. You also agree to assist us in determining the facts,  
circumstances  and  other pertinent information  relating  to  any  loss, theft  or  
possible unauthorized use of your Card and comply with such procedures as  
we may require in connection with our investigation. You will be liable for any  
unauthorized use only if we can prove that you were grossly negligent in your  
use or handling of your Card, or if we can prove that you used your Card  
fraudulently. 
Minimum  Payment  Due;  Crediting  of  Payments.  Payments  are  due  in  the 
amount and on the date disclosed on your billing statement. If your payment is  
received  by  us  on  a  business  day  at  the  address  and  by  the  time 
designated on the billing statement, it will be credited to your account on the 
date of receipt. If payment is made at any location other than the address 
designated  on  the  periodic  statement,  credit  for  such  payment   may  be 
delayed  up  to  five (5)  days.  Payments  will  be  applied  in  any  order  we 
determine, subject to applicable law.  

9011 LASER VELOCITY FI14837 8-2010 

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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 
default if: (1) you fail to make any payment on time; (2) if you fail to keep any 
promises  you  have  made  under  this  Agreement  or  under  other  Agreements 
you have with us; (3) if you die; (4) if you file a petition in bankruptcy or have a 
bankruptcy  petition  filed  against  you,  or  if  you  become  involved  in  any 
insolvency,  receivership  or  custodial  proceeding;    (5)  if  anyone  attempts  to 
take any of your funds held by us via legal process or if you have a judgment 
or  tax  lien  filed  against  you; (6)  if  you  make  any  false,  inaccurate,  or 
misleading statements in any credit application or credit update; or (7) if we, in 
good faith, believe that your ability to repay what you owe is or soon will be 
impaired, or that you are unwilling to make your payments. 
If you are in default, we have the right to demand immediate payment of your  
full  account  balance  without  giving  you  notice.  If  immediate  payment  is  
demanded, you agree to continue paying interest charges and fees until what  
you owe has been paid, and any shares that were given as security for your  
account  may  be  applied  towards  what  you  owe.  You  agree  to  pay  all  
reasonable costs of collection, including court costs and attorney's fees, and  
any costs incurred in the recovery of the Card, subject to applicable law. Even  
if your unpaid balance is less than your credit limit, you will have no credit  
available during any time that any aspect of your account is in default.  
Additional Benefits/Card Enhancements. We may from time to time offer  
additional  services  to  your  Account  at  no  additional  cost  to  you.  You  
understand that we are not obligated to offer such services and may withdraw  
or change them at any time. 
Convenience Checks. We may, at our discretion, issue checks to you which 
may be used for any purpose other than making a payment for credit to your 
account. By signing such check, you authorize us to pay the item for the 
amount indicated and post such amount as a cash advance to your account. 
We do not have to pay any item which would cause the outstanding balance in 
your account to exceed your credit limit. 
Credit  Information.  We  may  from  time  to  time  request  personal  information  
from you  or obtain  credit  reports  from  the credit  reporting agencies for the  
purpose of updating your credit status. Your failure to provide such information  
when requested by us may result in suspension of credit privileges under this  
Agreement,  including  your  ability  to  obtain  any  future  advances  by  any  
means. You authorize us to investigate your credit standing when opening or  
reviewing  your  account.  You  authorize  us  to  disclose  information  regarding  
your  account  to  credit  bureau  and  creditors  who  inquire  about  your  credit  
standing. 
Foreign   Transactions;  Currency   Conversion. Purchases    and   cash 
advances made in foreign currencies will be billed to you in U.S. dollars. The 
conversion rate in dollars will be a rate selected by the card company from a 
range  of  rates  available  in  wholesale  currency  markets  for  the  applicable 
central processing date, which rate may vary from the rate the card company 
itself  receives,  or  the  government-mandated  rate  in  effect  for  the  applicable 
central processing date in each instance. All transactions processed outside of 
the United States (which may include internet transactions) will be charged  a 
foreign  transaction  fee  in  the  amount  disclosed  on  your  Truth-in-Lending 
Statement (as amended from time to time). 
Termination;  Change-in-Terms.  We  may,  by  written  notice,  terminate  this 
Agreement  at  any time,  subject to  applicable law.  You  may  terminate  this 
Agreement by  written notice. Termination by either party shall not  affect your 
obligation to repay any payments made for your account resulting from use of 
the Card as well as Interest Charges and fees incurred. We may change the 
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. 

Late or Partial Payments. Any  payment that delays the reduction of your 
balance  will  increase  your  total  interest  costs.  Partial  payments  or 
prepayments will not delay your next scheduled payment - you will still need to 
make  the  minimum  scheduled  payment  by  the  next  scheduled  due  date  to 
keep  your  account  current. We  may  accept  late  payments,  partial  payments, 
checks or money orders marked "payment in full" and such action shall not 
constitute final settlement  of your account  or  a  waiver  or forgiveness  of any 
amounts owing under this Agreement. 
Enforcement. We do not lose our rights under this or any related agreement if 
we  delay  enforcing  them.  If  any  provision  of  this  or  any  related  agreement  is 
determined to be  unenforceable  or invalid,  all  other provisions remain in full 
force and effect. 
Returns  and  Adjustments.  Merchants  and  others  who  honor  the  Card  may 
give credit for returns or adjustments, and they will do so by submitting a 
credit slip which will be posted to your account. If your credits and payments 
exceed what you owe us, the amount will be applied against future purchases 
and cash advances. If the credit balance amount is  $1 or more, it will be 
refunded upon your written or verbal request. 
Plan Merchant Disputes. We are not responsible for the refusal of any plan 
merchant  or  financial  institution  to  honor  your  Card.  Also,  we  are  not 
responsible for goods or services that you purchase with the Card unless: (a) 
your  purchase  was  made  in  response  to  an  advertisement  we  sent  or 
participated in sending you; or (b) your purchase cost more than $50 and was 
made from a plan merchant in your state or within 100 miles of your home; 
and only if you have made a good faith attempt, but have been unable to 
obtain  satisfaction  from  the  plan  merchant.  You  must  resolve  all  other 
disputes directly with the plan merchant. We do not warrant any merchandise 
or services purchased by you with the Card. 
Money  Transfer Services. If   you  receive any transmittal  amount from any  
Money Transfer Service (MTS) provider you agree not to receive more than  
$2,500.00  per  day  or  more  than  $10,000.00  per  month. We may  increase  or  
decrease these limits from time  to time in our sole discretion. We reserve the  
right  to  accept  or  reject  any  MTS  request  in  our  sole  discretion.  Each  
transmittal amount that is sent to your Card  will generally  be  posted to your  
Card  within two (2) Business  Days  after  we receive the Transmittal  Amount  
from the Sender. 
Fees for MTSs.  Once we begin charging fees we will normally deduct fees 
and charges automatically from your Card balance at the time a fee or charge is 
incurred for MTSs sent or received. 
Statements and Notices. Statements and notices will be mailed to you at the 
most  recent  postal  address  or  e-mail  address  (if  you  have  elected  to  receive 
such documents via electronic means) you have given us. Notice sent to any 
one of you will be considered notice to all. 
Notification of  Address Change. You will notify us promptly if you change 
your  address for  any  reason. In  order to  prevent identity theft,  your identity 
may need to be verified before we act upon the notification. 
Copy  Received.  You   acknowledge that  you have  received  a  copy of this 
Agreement. 
Governing  Law.  This  Agreement  shall  be  construed  under  federal  law  and 
state law in the state in which we are primarily located, and the venue shall be 
located in the county and state in which we are primarily located. Operating 
regulations of Visa may also apply. This Agreement is the contract that applies 
to all transactions even though the sales, cash advance, convenience check, 
credit or other slips you sign or receive may contain different terms.  

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 
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(es) 
listed on your statement. 

In your letter, give us the following information: 

1. Your name and account number. 
2. The dollar amount of the suspected error. 
3. 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 3 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. 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 have already 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 is correct. 

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. 

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  organizations 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 the purchase 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  a  check  that  accesses  your 
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. 

•   We can apply any unpaid amount against your credit limit. 

If  all  of  the  criteria  above  are  met  and  you  are  still  dissatisfied  with  the 
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