MIDFLORIDA Credit Union
Loan Department
P.O. Box 8008
Lakeland, FL 33802

VISA SECURED CREDIT CARD

IMPORTANT CREDIT CARD DISCLOSURES
The following disclosure represents important details concerning your secured credit card. The information about costs of the card are accurate as of June 1, 2012.
You can contact us toll free at (866) 913-3733 or P.O. Box 8008, Lakeland, FL 33802 to inquire if any changes occurred since the effective date.

INTEREST RATES and INTEREST CHARGES:

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

Paying Interest

Limits from $500 to $1,000: 11.99%
Limit of $1,100 or greater: 10.99%
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. We will begin charging interest on cash advances
and balance transfers on the transaction date.

Minimum Interest Charge

None

For Credit Card Tips from the Consumer
Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer
Financial Protection Bureau at http://www.consumerfinance.gov/learnmore

FEES:

Set-up and Maintenance Fees

- Application Fee:
- Annual Fee:
- Account Set-up Fee:
- Participation Fee:
- Additional Card Fee:
- Account Maintenance Fee:

Transaction Fees

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

Penalty Fees

- Late Payment:
- Over-the-Credit Limit:
- Returned Payment:

NOTICE: Some of these set-up and maintenance fees will be assessed before you begin using your card and will reduce the amount of
credit you initially have available. For example, if you are assigned a credit limit of $500.00, and your annual fee is $25.00, your initial
credit available will be $475.00.
None
$25.00
None
None
None
None

$10.00 or 1% of the amount of each transfer, whichever is greater.
$20.00 or 2% of the amount of each cash advance, whichever is greater.
1% of each transaction in U.S. dollars if the transaction involves a currency conversion
0.8% of each transaction in U.S. dollars if the transaction does not involve a currency conversion

Up to $25.00 if your payment is late.
None
Up to $25.00 if your payment is returned for any reason

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
Overdraft Protection: If you have overdraft protection linked to your credit card account, overdrafts will be charged to your card at the cash advance APR of 11.99% with the corresponding
daily period rate of 0.032849% for limits of $500-$1,000 and 10.99% with the corresponding daily period rate of 0.030109%  for limits of $1,100 or greater. In addition, a $10.00 fee will also
be added and will accrue interest at the same rates.
Snapshot Photo Card Fee: First card free for each user. $5.99 per individual card thereafter.

VISA CARD CREDIT APPLICATION SIGNATURES - PLEASE READ BEFORE SIGNING

All the information in this application is true. I understand that section 1014 Title 18 U.S. Code makes it a federal crime to knowingly make a false statement on this application. You have my permission to check it. You may retain this
application even if not approved. I understand that you may receive information from others about my credit and you may answer questions and requests from others seeking credit or experience information about me or my accounts
with you. If this application is approved, I agree to honor the provisions of the Visa Credit Card Agreement that is attached to this application. (If this application is for two of us, this statement applies to both of us.) Detach the VISA
Credit Card Agreement and retain it for your records.

I agree that if I am approved for a credit card, I will give the credit union the following security interest to secure the payment of any credit extended on the account: I agree that in the event of my default, you may apply the
amount of any monies I may have in the credit union, except IRA accounts, to the outstanding balance. Your interest in shares or deposits at the time of default is the result of my pledge of shares. Granting the
security interest is a condition for obtaining the credit card account. I agree that this security interest becomes part of my VISA Secured Agreement and Disclosures which will accompany the card, and I acknowledge this
pledge by my initials.                      (Applicant Initials)                          (Co Applicant Initials)
Credit Report Authorization. By signing this Application, I authorize you to obtain my credit report for the purposes of evaluating this application and to obtain subsequent credit reports on an on going basis in connection with this trans
action, and for all other legitimate purposes, such as reviewing my accounts or taking collection action on the account. 
Vermont Residents: Applicant provided consent via phone 
Permission to contact: By providing a wireless telephone number (i.e., cell phone), I consent to receiving calls, including autodialed and prerecorded message calls, from the credit union or its third party debt collector at that number.

 (Credit Union Initials)

IMPORTANT NOTICE ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this
means for me:  When I open an account, you will ask for my name, address, date of birth, and other information that will allow you to identify me. You may also ask to see my driver's license or other identifying information.

Rates: Rates are subject to change.

BY SIGNING, ACTIVATING OR USING THE CARD, I AGREE TO THE TERMS OF THE ACCOUNT AND PROMISE TO PAY ALL AMOUNTS DUE.

QXP PDF FI16086 Rev 5-2012

© 2005 Securian Financial Group, Inc.  All Rights Reserved.

 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
   
 
 
   
 
 
   
 
 
 
 
   
 
 
 
 
     
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
     
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
MIDFLORIDA Credit Union
P.O. Box 8008
Lakeland, FL 33802

NOTICE: See reverse side for important information regarding your rights to dispute billing errors.

VISA SECURED 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 MIDFLORIDA Credit Union or its successors.

SECURITY: YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY INTEREST IN ALL INDI-
VIDUAL 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 GRANT-
ING 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.

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 transac
tion. 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.

You request an additional card for an authorized user in the name of:

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 author
ize to use your account, whether or not you notify us that he or she will be using it. If someone else is author
ized 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 begin
ning balance each day, add any new purchases, cash advances, balance transfers or other advances, and
debit adjustments and subtract any 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 sub
ject to an Interest Charge. You cannot avoid Interest Charges on cash advances or balance transfers; even if
you pay the entire cash advance balance or balance transfer balance by the payment due date, you will incur
the Interest Charges accrued from the date the cash advance or balance transfer is posted to your account.

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.

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 bankrupt
cy petition filed against you, or if you become involved in any insolvency, receivership or custodial proceed
ing; (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 appli
cation 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, includ
ing your ability to obtain any future advances by any means. You authorize us to investigate your credit stand
ing 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 compa
ny 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 con
stitutes 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 con
stitute 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 provi
sions remain in full force and effect.

Returns and Adjustments. Merchants and others who honor the Card may give credit for returns or adjust
ments, 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 satis
faction 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.

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.

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.

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 (877) 602 9023. You agree to
follow up your call with notice in writing to us at: P.O. Box 8008, Lakeland, FL 33802. You also agree to assist
us in determining the facts, circumstances and other pertinent information relating to any loss, theft or pos
sible 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 neg
ligent in your use or handling of your Card, or if we can prove that you used your Card fraudulently.

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 locat
ed. Operating regulations of Visa may also apply. This Agreement is the contract that applies to all transac
tions even though the sales, cash advance, convenience check, credit or other slips you sign or receive may
contain different terms.

CONTINUED ON REVERSE SIDE
Detach and keep this agreement for future use.

                                                                    
                                   
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(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.

• 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 inter-
est or other fees related to that amount.
If we do not believe there was a mistake: You will have to pay the amount in ques-
tion,  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 with-
in 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 organi-
zations 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 cred-
it 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 advertise-
ment we mailed to you, or if we own the company that sold you the goods or servic-
es.)

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.

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 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.

VISA SECURED CREDIT CARD SECURITY AGREEMENT, PLEDGE, AND ASSIGNMENT OF SHARES AND DEPOSITS ("Pledge") AMENDMENT TO CREDIT CARD AGREEMENT

In this Pledge, "you" "your" and "yours" shall mean the above named borrower. "We", "us", and "Credit Union" shall mean MIDFLORIDA Credit Union. 

If approved, your Visa Secured Credit Card ("Card") identified above is secured by your Secured Deposit Account. Your Secured Deposit Account ("Account") is the deposit account that you agree to
establish or designate at the Credit Union to secure all obligations that you incur in connection with the Card.

The account number of the Secured Deposit Account is: 

.

The following terms and conditions apply:

1. Security Interest. By signing below, you pledge, assign, and grant a security interest in all shares and deposits, including interest, in the Secured Deposit Account whether now or hereafter deposit
ed or accumulated in said account to secure all indebtedness and obligations whether now owing or later incurred under the Card, including, but not limited to, any and all expenses and reasonable
attorney’s fees that the Credit Union incurs in order to enforce this Pledge or to collect on the Card. We also have a lien on the Secured Deposit Account under applicable law. The granting of this
security interest is a condition for the issuance of your Card.

You must maintain in the Secured Deposit Account an amount equal to 100% of the credit limit of the Card (“Secured Amount”).

You may not withdraw amounts from the Secured Deposit Account for as long as there is a balance owing on your Card, or until the Credit Union agrees to release all or part of the
pledged amount, if such withdrawal would cause the account balance to fall below the Secured Amount.

2. Cross-Collateralization; Additional Security. You also agree to provide additional security (either of deposits or otherwise) if we so request. In addition, your Card 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 fed
eral law if given as security. These other shares may be withdrawn unless you are in default under this Pledge or your Credit Card Agreement. Collateral securing other loans you have with the Credit
Union may also secure this loan, except that a dwelling and non purchase money household goods will never be considered as security for your Card, notwithstanding anything to the contrary in any
other agreement.

3. Enforcement of Security Interest. You authorize the Credit Union to apply the balance in your Secured Deposit Account and your other individual or joint share accounts to pay any amounts due
on your Card if you should default. 

4. Additional Agreements. In addition to this Pledge, you agree to abide by the terms of the Deposit Account/Signature Card, Credit Application, Visa Credit Card Agreement, and any other docu
ments executed by you in connection with the Card ("Additional Agreements"). Those Additional Agreements are hereby incorporated as if fully set forth herein, and this Pledge is hereby incorporat
ed into each of the Additional Agreements as if fully set forth therein.

5. Governing Law. This Pledge shall be governed by the laws of the State of Florida.

6. Credit Card Agreement. All other provisions of your Credit Card Agreement remain in full force and effect.