31. WISCONSIN RESIDENTS If You are married, please contact Us immediately upon receipt of this Agreement at the
Your Billing Rights: Keep this Document for Future Use
CONSUMER
M-132453
address or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are
This notice tells You about Your rights and Our responsibilities under the Fair Credit Billing Act.
P.O Box 45085
required to inform Your spouse that We have opened an Account for You.
Star
Jacksonville, 32232-5085
CREDIT CARD
32. NOTICE TO UTAH BORROWERS This written Agreement is a final expression of the Agreement between You
What To Do If You Find A Mistake On Your Statement
(904) 777-6000
(800) 445-6289
AGREEMENT
and the Credit Union. This written Agreement may not be contradicted by evidence of any oral Agreement. As required by
Credit Union
VISA
If You think there is an error on Your statement, write to Us at the address listed on Your statement.
www.vystarcu.org
AND
law. You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit
In Your letter, give Us the following information:
reporting agency if You fail to fulfill the terms of Your credit obligations.
DISCLOSURE
33. THE FOLLOWING IS REQUIRED BY VERMONT LAW - NOTICE TO CO-SIGNER - YOUR SIGNATURE ON
Account information: Your name and Account number.
THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER
Dollar amount: The dollar amount of the suspected error.
VISA PLATINUM/VISA SIGNATURE REWARDS/VISA
DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.
Description of problem: If You think there is an error on Your bill, describe what You believe is wrong and why You
SIGNATURE CASH BACK/VISA SAVINGS SECURED
believe it is mistake.
You must contact Us:
This Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other
Within 60 days after the error appeared on Your statement.
Account opening documents or any subsequent documents provided to You related to this Account (hereinafter
At least three business days before an automated payment is scheduled, if You want to stop payment on the amount
collectively referred to as "Agreement") govern the terms and conditions of this Account. "We," "Us," "Our" and "Ours' and
You think wrong.
"Credit Union' refers to VyStar Credit Union with which this Agreement is made. "You," "Your," and "Yours' refers to each
You must notify Us of any potential errors in writing or electronically. You may call Us, but if You do We are not required
applicant and co-applicant for the Account; any person responsible for paying the Account; and anyone You authorize to
to investigate any potential errors and You may have to pay the amount in question.
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
What Will Happen After We Receive Your Letter
credit established by this Agreement and includes Your Card.
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
SECURITY INTEREST
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.
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.
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.
If You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares
The charge in question may remain on Your statement, and We may continue to charge You interest on that amount.
will secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account
While You do not have to pay the amount in question, You are responsible for the remainder of Your balance.
until the Credit Union agrees to release all or part of the pledged amount.
We can apply any unpaid amount against Your credit limit.
After We finish Our investigation, one of two things will happen:
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. Shares and deposits in an IRA or any other account that
If We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that
would lose special tax treatment under state or federal law if given as security are not subject to the security
amount.
interest You have given in Your shares and deposits. You may withdraw these other shares unless You are in
If We do not believe there was a mistake: You will have to pay the amount in question, along with applicable
default. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due.
interest and fees. We will send You a statement of the amount You owe and the date payment is due. We may then
For example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay
report You as delinquent if You do not pay the amount We think You owe.
any or all of the unpaid balance.
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
Unless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union
bill. We must tell You the name of anyone to whom We reported You as delinquent, and We must let those organizations
may
also
secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding
know when the matter has been settled between Us.
anything to the contrary in any other Agreement.
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.
1. USING YOUR ACCOUNT By using the Account or keeping the Card, You agree to the terms of this Agreement.
Your Rights if You Are Dissatisfied With Your Credit Card Purchases
You agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful
If You are dissatisfied with the goods or services that You have purchased with Your credit card, and You have tried in
transactions.
good faith to correct the problem with the merchant, You may have the right not to pay the remaining amount due on the
2. CREDIT LIMIT We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You
purchase.
exceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts
To use this right, all of the following must be true:
due to finance charges fees or other charges. You may request a credit limit increase on Your Account only by a method
1. The purchase must have been made in Your home state or within 100 miles of Your current mailing address, and the
acceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or
purchase price must have been more than $50. (Note: Neither of these are necessary if Your purchase was based on
terminate Your Account at any time for any reason permitted by law.
an advertisement We mailed to You. or if We own the company that sold You the goods or services.)
3. CONVENIENCE CHECKS We may, from time to time, issue convenience checks to You that may be drawn on
2. You must have used Your credit card for the purchase. Purchases made with cash advances from an ATM or with a
Your Account. Convenience checks may not be used to make a payment on Your Account. If You use a convenience
check that accesses Your credit card Account do not qualify.
check, it will be posted to Your Account as a cash advance. We reserve the right to refuse to pay a convenience check
3. You must not yet have fully paid for the purchase.
drawn on Your Account for any reason and such refusal shall not constitute wrongful dishonor. You may request that We
If all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing or electronically at
stop the payment of a convenience check drawn on Your Account. You agree to pay any fee as identified in this
the address listed on Your statement.
Agreement imposed to stop a payment on a convenience check issued on Your Account. You may make a stop payment
While We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation,
request orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of
the check for payment to give Us a reasonable opportunity to act on Your request. In addition, Your request must
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.
accurately describe the check including the exact Account number, the payee, any check number that may be applicable,
and the exact amount of the check. If permitted, You may make a stop payment request orally but such a request will
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00902690-MXC30-C-1 (MXC304-E)
©CUNA Mutual Group 09 10, 12,14, Rights Reserved
00902690-MXC30-C- (MXC304-E)
expire after 14 days unless You confirm Your request in writing within that time. Written stop payment orders are effective
requirement to notify You of the specific reason We denied a transaction. If We detect unusual or suspicious activity, We
authorized user. If You cannot return the authorized user's Card or access checks and if You request Your Account to be
only for six months and may be renewed for additional six month periods by requesting in writing that the stop payment
may suspend Your credit privileges until We can verify the activity, or We may close the Account.
closed, We will close Your Account and You may apply for a new Account. Alternatively, We may, at Our sole discretion,
order be renewed. We are not required to notify You when a stop payment order expires.
9. INFORMATION UPDATING SERVICE AND AUTHORIZATIONS - If You have authorized a merchant to bill charges
issue You a new Account number and new Card.
If We re-credit Your Account after paying a check over a valid and timely stop payment order, You agree to sign a
to Your Card on a recurring basis, it is Your responsibility to notify the merchant in the event Your Card is replaced, Your
15. CREDIT REPORTS - You authorize the Credit Union to obtain credit reports and any other information We may
statement describing the dispute with the payee, to assign to Us all of Your rights against the payee or other holders of
Account information (such as Card number or expiration date) changes, or Your Account is closed. However, if Your Card
need to verify Your identity and use of the Account when opening Your Account and for any update, increase, renewal,
the check and to assist Us in any legal action.
is replaced or Your Account information changes, You authorize Us. without obligation on Our part, to provide the updated
extension, collection, or review of Your Account. You authorize the Credit Union to disclose information regarding Your
You agree to indemnify and hold Us harmless from all costs and expenses, including attorney's fees, damages, or claims,
Account information to the merchant in order to permit the merchant to bill recurring charges to Your Card. You authorize
Account to credit bureaus and creditors who inquire about Your credit standing.
related to Our honoring Your stop payment request or in failing to stop payment of an item as a result of incorrect
Us to apply such recurring charges to Your Card until You notify Us that You have revoked authorization for the charges
16. JOINT ACCOUNTS - If this is a joint Account, each of You will be individually and jointly responsible for paying all
information provided to Us or the giving of inadequate time to act upon a stop payment request. Note: A convenience
to Your Card.
amounts owed under this Agreement. This means that the Credit Union can require any one of You individually to repay
check is not a check as that term is defined under the Uniform Commercial Code. It is an advance from Your credit card
Your Card is automatically enrolled in an information updating service. Through this service, Your updated Account
the entire amount owed under this Agreement. Each of You authorizes the other(s) to make transactions on the Account
Account with Us and Your stop payment rights are provided under this Agreement with Us.
information (such as Card number or expiration date) may be shared with participating merchants to facilitate continued
individually. Any one of You may terminate the Account and the termination will be effective as to all of You.
4. REPAYMENT - You promise to repay all amounts You owe under this Agreement. Your promise to repay includes
recurring charges. Updates are not guaranteed before Your next payment to a merchant is due. You are responsible for
17. EFFECT OF AGREEMENT This Agreement is the contract which applies to all transactions on Your Account even
all transactions made to Your Account by You or anyone You authorize to use Your Account as well as all interest
making direct payment until recurring charges resume. To revoke Your authorization allowing Us to provide updated
though the sales, cash advances, credit or other slips You sign or receive may contain different terms.
charges and fees.
Account information to a merchant, please contact Us.
18. SEVERABILITY AND FINAL EXPRESSION - This Agreement is the final expression of the terms and conditions
of
For each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.
10. PREAUTHORIZED CHARGES - We may suspend preauthorized recurring charges with merchants if. for example,
Your Account. This written Agreement may not bei contradicted by evidence of any alleged oral Agreement. Should any
The Minimum Payment Due is 2.00% of Your total New Balance, or $10.00, whichever is greater, plus any amount past
Your Card is lost or stolen, You default or We change Your Account for any reason. If preauthorized recurring charges
part of this Agreement be found to be invalid or unenforceable. all other parts of this Agreement shall remain in effect and
due and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than
are suspended, You are responsible for making direct payment for such charges until You contact the merchant to
fully enforceable to the fullest extent possible under this Agreement.
$10.00, then Your Minimum Payment Due is the amount of the total New Balance.
reinstate recurring charges.
19. ILLEGAL TRANSACTIONS PROHIBITED You agree that You will not use Your Card for any transaction, including
You may pay more frequently, pay more than the Minimum Payment Due or pay the total New Balance in full.
11. DEFAULT You will be in default under this Agreement if You fail to pay the Minimum Payment Due by its Payment
any type of electronic gambling transaction through the Internet, that is illegal under applicable federal, state, or local law.
Due Date; pay by a check or similar instrument that is not honored or that We must return because it cannot be
If You make extra or larger payments, You are still required to make at least the Minimum Payment Due each month Your
processed; pay by automatic debit that is returned unpaid; make any false or misleading statements in any credit
Even if You use Your Card for an illegal transaction, You will be responsible for all amounts and charges incurred in
Account has a balance (other than a credit balance). The Credit Union may delay replenishing Your credit limit until the
application or credit update; file for bankruptcy; or die. You will also be in default if You fail to comply with the terms of this
connection with the transaction. This paragraph shall not be interpreted as permitting or authorizing any transaction that is
date the payment is posted or the Credit Union confirms the payment has cleared.
Agreement or any other agreement You have with Us.
illegal.
Your payment of the required Minimum Payment Due may be applied to what You owe the Credit Union in any manner
If You default, We may close Your Account and require You to pay any unpaid balance immediately, subject to applicable
20. APPLICABLE LAW - The terms and enforcement of this Agreement shall be governed by federal law and the law of
the Credit Union chooses, as permitted by applicable law. If You make a payment in excess of the required Minimum
Florida.
law. In this Agreement and on Your Credit Card Application, You gave Us security interest in all individual or joint share
Payment Due, the Credit Union will allocate the excess amount first to the balance with the highest annual percentage
and/or deposit accounts with the Credit Union and authorized Us. if You defaulted, to apply the balance in these accounts
21. ENFORCING THIS AGREEMENT - We can delay in enforcing or fail to enforce any of Our rights under this
rate ("APR") and any remaining portion to the other balances in descending order based on applicable APR, unless
to any amounts due. You agree We may rely on Your agreement and authorization to, upon Your default, apply any
Agreement without losing them.
otherwise prescribed by applicable law. We may accept checks marked "payment in full" or with words of similar effect
balance to any amounts due on Your Account.
22. COLLECTION COSTS If We refer collection of Your Account to a lawyer who is not Our salaried employee, You
without losing any of Our rights to collect the full balance of Your Account with Us.
In the event that any suit is filed against the Credit Union with respect to this Agreement, or any credit card issued under
are liable for any reasonable attorney's fees We incur, plus the costs and expenses of any legal action, as further
5. INTEREST AND FINANCE CHARGES We will begin charging You interest on purchases on the date the
this Agreement, the suit shall only be brought in the courts of the state of Florida.
disclosed on this Agreement, or to the extent allowed by law.
transaction is posted to Your Account. We will begin charging You interest on cash advances and balance transfers on
12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION - If You notice the loss or theft of
23. ASSIGNMENT- may assign any or all of Our rights and obligations under this Agreement to a third party.
the date of the transaction or the first day of the billing cycle in which the transaction is posted to Your Account, whichever
is later (transaction date). However, We will not charge You any interest on new purchases if Your Account had a zero or
Your credit card or a possible unauthorized use of Your Card, You should write to Us immediately at PO Box 45085,
24. CALIFORNIA RESIDENTS A married applicant may apply for a separate Account. Applicants: 1) may, after credit
credit balance at the beginning of that billing cycle, or You paid the entire new balance on the previous cycle's billing
Jacksonville, FL, 32232-5085 or call Us at (800) 449-7728, seven days a week 24 hours a day.
approval, use the credit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to any
statement by the Payment Due Date of that statement. To avoid an additional finance charge on the balance of Your
You will not be liable for any unauthorized use that occurs after You notify Us. You may, however, be liable for
joint applicant. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record
Account, You must pay the entire new balance on the billing statement by the Payment Due Date of that statement.
unauthorized use that occurs before Your notice to Us. You will have no liability for unauthorized use unless You are
may be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.
How We Calculate Your Balance:
found to be fraudulent or negligent in the handling of Your Account or Card. In any case, Your liability for unauthorized
25. FLORIDA RESIDENTS - You (borrower) agree that, should We obtain a judgment against You, a portion of
transactions will not exceed $50.
Your disposable earnings may be attached or garnished (paid to Us by Your employer), as provided by Florida
Interest charges on Your Account are calculated separately for purchases, balance transfers and cash advances
("Transaction Type"). We figure the interest charge for each Transaction Type by applying the periodic rate to each
13. CHANGING OR TERMINATING YOUR ACCOUNT - As permitted by law, the Credit Union may change the terms
and Federal law.
corresponding "average daily balance.' To get the "average daily balance" for a Transaction Type We take the beginning
of this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with
26. MARYLAND RESIDENTS To the extent. if any, that Maryland law applies to Your Account, We elect to offer Your
balance for that Transaction Type each day, add any new transactions of that type, and subtract any unpaid interest or
applicable law. To the extent permitted by law, changes to the Agreement may apply to Your existing account balance as
Card Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article.
well as to future transactions.
other finance charges and any applicable payments or credits. This gives Us the daily balance for each Transaction Type.
27. MISSOURI RESIDENTS - Oral Agreements or commitments to loan money, extend credit or to forbear from
Then, for each Transaction Type, We add up all the daily balances for the billing cycle and divide each total by the
Arizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents Either
enforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protect
number of days in the billing cycle. This gives Us the "average daily balance for each Transaction Type.
You, Your spouse or the Credit Union may terminate this Agreement at any time, but termination by You, Your spouse or
You (borrower(s)) and Us (creditor) from misunderstanding or disappointment, any Agreements We reach
6. FEES In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to Your
the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges You or Your
covering such matters are contained in this writing, which is the complete and exclusive statement of the
Account, the fee amounts and explanations are disclosed on the Account Opening Disclosure accompanying this
spouse owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You
Agreement between Us, except as We may later agree in writing to modify it.
Agreement.
owe under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card
28. NEW YORK RESIDENTS We may obtain a credit report in connection with this Account, including for any review,
or Cards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all
7. FOREIGN TRANSACTIONS - Purchases and cash advances made in foreign currencies will be debited from Your
modification, renewal or collections associated with this Account Upon Your request, You will be informed whether such
Cards upon request or upon termination of this Agreement whether by You or the Credit Union.
Account in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing
report was requested and. if so. the name and address of the consumer reporting agency furnishing the report. New York
international transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the
Residents of all other states Either You or the Credit Union may terminate this Agreement at any time, but termination
residents may contact the New York State Department of Financial Services at 800.342.3736 or www.dfs.ny.gov to obtain
applicable transaction date, which rate may vary from the rate Visa itself receives, or the government-mandated rate
by You or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges
a comparative listing of credit card rates, fees and grace periods.
You
owe
under
this
Agreement.
Your
obligation
to
mandated by the government or governing body in effect for the applicable transaction date. The exchange rate used on
pay
the
account
balance
plus
any
finance
and
other
charges
You
owe
29. OHIO RESIDENTS - The Ohio laws against discrimination require that all creditors make credit equally available to
the transaction date may differ from the rate that would have been used on the processing date or cardholder statement
under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card or
all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon
Cards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all
posting date.
request. The Ohio Civil Rights Commission administers compliance with this law.
Cards upon request or upon termination of this Agreement whether by You or the Credit Union
8. AUTHORIZATIONS - We do not guarantee authorization of a transaction, either by Us or by a third party, even if
30. SOUTH DAKOTA RESIDENTS If You believe there have been any improprieties in making this loan or in the
You
have
sufficient
credit
available.
You
agree
that
We
will
not
be
liable
for
failing
to
give
an
authorization
We
also
14. AUTHORIZED USERS - Upon Your request, We may issue additional Cards for authorized users that You
lender's loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre,
reserve the right to limit the number of transactions that may be approved in one day. We reserve the right to deny certain
designate. You must notify Us in writing of any termination of an authorized user's right to access Your Account. Your
SD 57501, or by phone at 605.773.3421.
transactions for any reason and at Our sole discretion, including for default, suspected fraudulent or unlawful activity,
notice must include the name of the authorized user and Your Account number and/or any subaccount number issued to
internet gambling or any indication of increased risk related to the transaction or the Account. You agree that We have no
the authorized user along with the authorized user's Card and any convenience or other access checks issued to the
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