The  Card  or  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. The  Credit
Union  has  the  right  to  require  you  to  pay  your  full  Account
balance at any time after your Account is terminated, whether
it  is  terminated  by  you  or  the  Credit  Union.  If  this  is  a  joint
Account,  Section  17  of  this  Agreement  also  applies  to
termination of the Account 

12. Credit Review and Release of 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.
If  your  account  is  eligible  for  emergency  cash  and/or
emergency card replacement services, and you request such
services, you agree that we may provide personal information
about you and your account that is necessary to provide you
with the requested service(s). 

13. Returns and Adjustments. Merchants and others who honor
your 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  credit
balance amount is $1 or more, it will be refunded upon your
written request or automatically after three (3) months. 

14. Additional Benefits/Card Enhancements. The Credit Union
may from time to time offer additional services to your Account,
such as travel accident insurance, at no additional cost to you.
You understand that the Credit Union is not obligated to offer
such services and may withdraw or change them at any time. 

15. Foreign Transactions. Purchases and cash advances made
in foreign currencies will be debited from your account in U.S.
dollars. Effective April 2, 2005, the conversion 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,
increased by one percentage point. The currency conversion
rate used on the central processing date may differ from the
rate  that  would  have  been  used  on  the  purchase  date  or
cardholder statement posting date. 

Effective June 1, 2008, a fee of 1 percent of the amount of the
transaction, calculated in U.S. dollars, will be imposed on all
foreign transactions, including purchases, cash withdrawals and
credits to your account. A foreign transaction is any transaction
that  you  complete  or  a  merchant  completes  on  your  card
outside of the United States, with the exception of U.S. military
bases, U.S. territories, U.S. embassies or U.S. consulates. 

16. Merchant Disputes. Credit Union is not responsible for the
refusal of any merchant or financial institution to honor your
Visa Business Credit Card. 

17. Joint Accounts. If this is a joint Account, each person on the
Account must sign the Agreement (by signing on the application).

Each of you will be individually and jointly responsible for paying
all amounts owed under this Agreement. This means that the
Credit Union can require any one of you individually to repay the
entire  amount  owed  under  this  Agreement.  Each  of  you
authorizes the other(s) to make purchases or cash advances
individually. Any one of you may terminate the Account and the
termination will be effective as to all of you. 

18. 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. 

19. No Waiver. The Credit Union can delay enforcing any of its

rights any number of times without losing them. 

20. Statements and Notices. 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. 

21. Final Expression. This Agreement is the final expression of
the terms and conditions of this VISA line of credit between
you and the Credit Union. This written Agreement may not be
contradicted by evidence of any alleged oral agreement. 

22. Copy Received. You acknowledge that you have received a

copy of this Agreement. 

23. Reimbursement for Losses; Attorneyʼs Fees: Our Liability.
Unless  prohibited  by  applicable  law  and  except  as  otherwise
provided in paragraph 10 hereof, you agree to reimburse us for any
damage, liability, loss, cost and expense, including reasonable
attorney’s fees, we may incur in connection with your Account,
including, but not limited to, damages, liabilities, losses, cost, and
expenses  resulting  from  your  failure  to  follow  this  Agreement,
except  to  the  extent  they  are  caused  solely  by  our  intentional
misconduct. If we bring any legal action to collect any amount due
under, or to enforce, this Agreement, we shall be entitled, subject
to applicable law, to payment from you or our reasonable attorney’s
fees and costs, including fees and costs incurred before or at trial,
on  appeal,  during  any  bankruptcy  or  insolvency  proceedings,
during any post-judgment collection proceeding, or otherwise. You
assume sole responsibility for any unauthorized use of the Card or
other access device and shall immediately indemnify, defend and
hold the Credit Union harmless from all claims, demands, liabilities,
actions, proceedings, losses and damages, including reasonable
attorneys’  fees,  related  to  or  arising  out  of  any  unauthorized
transaction. IN NO EVENT SHALL THE CREDIT UNION (OR
OUR  OFFICERS,  DIRECTORS,  EMPLOYEES,  AGENTS  OR
SUBCONTRACTORS)  BE  LIABLE  FOR  ANY  INDIRECT,
SPECIAL, INCIDENTAL, CONSEQUENTIAL PUNITIVE OR
EXEMPLARY  DAMAGES,  INCLUDING  LOST  PROFITS
(EVEN  IF  WE  ARE  ADVISED  OF  THE  POSSIBILITY
THEREOF), AND YOU SPECIFICALLY WAIVE YOUR RIGHT
TO CLAIM ANY SUCH DAMAGES AGAINST US. 

24. Severability. If any part of this Agreement is inconsistent with
any applicable law, then to the extent the law can be amended
by contract, you and we agree that this Agreement governs
and  that  the  law  is  amended  by  this  Agreement.  A
determination  that  any  part  of  this  Agreement  is  invalid  or
unenforceable will not affect the remainder of this Agreement. 

Vystar Credit Union   
PO Box 45085 (cid:129) Jacksonville, FL 32232-5085
(904) 777-6000 (cid:129) (800) 445-6289

M-106302
Effective 06/2009

VISA BUSINESS 
CREDIT CARD DISCLOSURE 

In this Agreement the words “you” and “your” mean each and all of
those who agree to be bound by this Agreement; “Card” means the
VISA credit card and any duplicates, renewals, or substitutions the
Credit Union issues to you; “Account” means your VISA credit card
line of credit account with the Credit Union, and “Credit Union”
means the Credit Union whose name appears on this Agreement
or anyone to whom the Credit Union transfers this Agreement. 

1.  Using Your Account. If you are approved for an Account, the
Credit Union will establish a line of credit for you and notify you
of  your  credit  limit.  You  agree  that  your  credit  limit  is  the
maximum  amount  (purchases,  cash  advances,  finance
charges, plus “other charges”) that you will have outstanding on
your Account at any time. If you are over your credit limit, you
must pay the amount you are over before payments will begin
to restore your credit limit. You may request an increase in your
credit limit only by a method acceptable to the Credit Union.
The Credit Union has the right to reduce your credit limit, refuse
to make an advance and/or terminate your Account at any time
for any reason not prohibited by law. 

2.  Using Your Card. You understand that the use of your Card will
constitute acknowledgement of receipt and agreement to the
terms  of  the  Visa  Business  Credit  Card  Agreement.  You
acknowledge and agree that any credit granted to you pursuant
to the terms and conditions of this agreement will not be used
primarily for personal, family, or household purposes, but rather
primarily for business, commercial or agricultural purposes. You
may use your Card to make purchases from merchants and
others who accept VISA Cards. However, you may not use your
Card  to  initiate  any  type  of  electronic  gambling  transaction
through the Internet. If you wish to pay for goods or services over
the  Internet,  you  may  be  required  to  provide  card  number
security information before you will be permitted to complete the
transaction. In addition, you may obtain cash advances from the
Credit Union and from other financial institutions that accept
VISA Cards, and from some automated teller machines (ATMs).
(Not all ATMs accept VISA Cards.) To obtain cash advances from
an ATM, you must use the Personal Identification Number (PIN)
that is issued to you for use with your Card. You agree that you
will not use your Card for any transaction that is illegal under
applicable federal, state or local law. There are limits for credit
card cash advances. All limits are subject to change. There are
daily (per day) limits on teller cash advances and limits based on
the line of credit of your account that can be used for teller cash
advances. Limits do not include credit card convenience checks
or balance transfer checks.

3. Responsibility. You agree to pay all charges, (purchases and
cash  advances)  to  your  Account  that  are  made  by  you  or
anyone else, even if such charges are unauthorized, subject
to paragraph 10 herein. You also agree to pay for all finance
charges and other charges added to your Account under the
terms of this Agreement or another agreement you made with
the Credit Union. 

4. Finance Charges. A Finance Charge will be imposed on Credit
Purchases only if you elect not to pay the entire New Balance
shown on your monthly statement for the previous billing cycle
within twenty-five (25) days from the closing date of that statement. 

If you elect not to pay the entire New Balance shown on your
previous  monthly  statement  within  that  25-day  period,  a
Finance Charge will be imposed on the unpaid average daily
balance of such Credit Purchases from the previous statement
closing date and on new Credit Purchases from the date of
posting to your account during the current billing cycle, and will
continue to accrue until the closing date of the billing cycle
preceding the date on which the entire New Balance is paid in
full or until the date of payment if more than twenty-five (25)
days from the closing date. 

The Finance Charge for a billing cycle is computed by applying
is  an  ANNUAL
the  monthly  Periodic  Rate,  which 
PERCENTAGE RATE, to the average daily balance of Credit
Purchases, which is determined by dividing the sum of the daily
balances during the billing cycle by the number of days in the
cycle. Each daily balance of Credit Purchases is determined
by  adding  to  the  outstanding  unpaid  balance  of  Credit
Purchases at the beginning of the billing cycle any new Credit
Purchases  posted  to  your  account,  and  subtracting  any
payments as received and credits as posted to your account,
but excluding any unpaid Finance Charges. 

A Finance Charge will be imposed on Cash Advances from
the date made or from the first day of the billing cycle in which
the Cash Advance is posted to your account, whichever is
later, and will continue to accrue on the unpaid average daily
balance of such Cash Advances until the date of payment if
paid during the same billing cycle, or until the closing date of
the billing preceding the date on which the entire New Balance
is paid in full or until the date of payment if more than twenty-
five (25) days from the closing date. If the New Balance shown
on your monthly statement for the prior billing cycle is paid in
full within 25 days from the closing date of the statement, no
Finance Charges will be imposed during the current billing
cycle  for  Cash  Advances  posted  to  your  account  during
previous billing cycles. 

The Finance Charge for a billing cycle is computed by applying
the  monthly  Periodic  Rate  to  the  average  daily  balance  of
Cash Advances, which is determined by dividing the sum of
the daily balances by the number of days in the billing cycle.
Each-daily  balance  of  Cash  Advances  is  determined  by
adding to the outstanding unpaid balance of Cash Advances
at the beginning of the billing cycle any new Cash Advances
posted  to  your  account,  and  subtracting  any  payments  as
received or credits as posted to your account, but excluding
any unpaid Finance Charges. 

5.  Other  Charges. The  following  other  charges  (fees)  will  be

added to your Account, as applicable: 

a. Over-the-Credit-Limit Fee: You may be charged a fee of
$27.00 on a statement date if your New Balance on that date,
less any fees imposed during the cycle, is over your credit
limit. You will be Charged the fee each subsequent month
until your New Balance on the statement date, less any fees
imposed during the cycle, is BELOW your credit limit. 

b. Late Payment Fee: If you are ten (10) or more days late in
making a payment, a late charge of $25.00 will be added to
your account. 

c.  Return  Payment  Fee: If  a  payment  on  your  account  is
returned unpaid, you will be charged a fee of $28.00 for
each item returned. 

d. Collection Cost Fee: Unless prohibited by applicable law,
you  are  required  to  pay  the  credit  union's  collection
expenses, including court costs and reasonable attorney's
fees, whether incurred before or at trial, on appeal, during
any bankruptcy or insolvency proceedings, during any post-
judgment collection proceedings, or otherwise. 

e. Balance Transfer Check Fee: If you request a stop be
placed on a balance transfer check, a charge of $15.00 will
be  added  to  your  account.  If  you  request  a  copy  of  a
balance transfer check, a charge of $2.00 will be added to
your account. 

f.  Convenience  Check  Fees: If  a  convenience  check  is
returned unpaid, you will be charged a fee of $28.00 for each
convenience check returned. If you request a stop be placed
on a convenience check, a charge of $15.00 will be added
to  your  account.  If  you  request  a  copy  of  a  convenience
check, a charge of $2.00 will be added to your account.

6. Payments. Each month you must pay at least the minimum
payment shown on your statement by the date specified on the
statement  or  no  later  than  twenty-five  (25)  days  from  the
statement closing date, whichever is later. If your statement
says the payment is “Now Due,” your payment is due no later
than twenty-five (25) days from the statement closing date. You
may pay more frequently, pay more than the minimum payment
or pay the Total New Balance in full. If you make extra or larger
payments, you are still required to make at least the minimum
payment each month your Account has a balance (other than
a credit balance). The minimum payment is 2% of your Total
New Balance, or $10.00, whichever is greater. The Credit Union
also  has  the  right  to  demand  immediate  payment  of  any
amount by which you are over your credit limit. We post credit
payments as of the date received. Payments must in U.S. funds
and  drawn  on  a  U.S.  financial  institution.  We  may,  at  our
discretion, delay in restoring your available credit limit up to the
amount of the payment(s) in order to assure that the check or
other payment instrument is honored.

7. Payment Allocation. Subject to applicable law, your payments
may  be  applied  to  what  you  owe  the  Credit  Union  in  any
manner the Credit Union chooses. 

8. Security Interest. 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 your
Account until the credit union agrees to release all or part of the
pledged amount. 

Your Account is secured by all other shares you have in any
individual or joint account with the Credit Union, except for
shares  in  an  Individual  Retirement  Account  or  in  any  other
account that would lose special tax treatment under state or
federal law if given as security. These other shares may be
withdrawn unless you are in default under this agreement. You
authorize  the  Credit  Union  to  apply  the  balance  in  your
individual or joint share accounts to pay any amounts due on
your Account if you should default. 

Collateral securing other loans you have with the Credit Union
may also secure this loan, except that your home will never be
considered  as  security  for  this  Account,  notwithstanding
anything to the contrary in any other agreement. 

9. 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  that  the  Credit  Union  believes  may
substantially reduce your ability to repay what you owe. 

In the event that any suit is filed against the Credit Union with
respect to this Agreement, or any credit card issued under this
Agreement, the suit shall only be brought in the courts of the
state of Florida. 

10.  Liability  for  Unauthorized  Use-Lost/Stolen  Card  No-
tification. You  agree  to  notify  us  immediately,  orally  or  in
writing  at  PO  Box  45085,  Jacksonville,  FL  32232-5085  or
telephone (800) 449-7728 seven (7) days a week, twenty four
(24) hours a day, of the loss, theft, or unauthorized use of your
Visa  Business  Credit  Card.  You  will  be  liable  for  the
unauthorized use of the Visa Business Credit Card, except that
you will not be liable for unauthorized use that occurs after you
notify us of the loss, theft, or possible unauthorized use. 

11. Changing or Terminating Your Account. The Credit Union
may change the terms of this Agreement from time to time
without  notice  to  you,  unless  prohibited  by  applicable  law.
Notice of any change (if required by applicable law) will be
given in accordance with applicable law. Unless prohibited by
applicable  law,  any  such  change  will  apply  to  your  existing
Account balance as well as to future transactions.

Either you or the Credit Union 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. You
are also responsible for all transactions made to your Account
after termination.