DISCLOSURE AND AGREEMENT OF TERMS AND CONDITIONS GOVERNING THE USE OF YOUR CARD 

In this agreement, the words “you”, “your”, and/or "Cardholder(s)" refers to the person whose name is embossed in the face of the MasterCard® Platinum, 
MasterCard Platinum Cash and MasterCard Platinum Rewards credit card ("Card" or “credit card”) enclosed herewith, and each Cardholder, in the event 
more than one Card is enclosed bearing the same account number (“Account”).  The words “CFE” and/or “Issuer” refer to Central Florida Educators’ Federal 
Credit Union.  This Agreement replaces all prior Agreements between Cardholder and CFE. 

Before using your Card, please review this Agreement carefully.  By signing or using any Card that is enclosed with this document or that may be issued to you 
and/or to any Cardholder you authorize, you agree that you understand and will comply with all of the terms and conditions pertaining to the use of such card 
established by CFE’s Board of Directors and disclosed to you in this Agreement. CFE reserves the right to amend this Agreement at any time and for any reason.  
CFE shall send you written notice thereof, mailed to you at your last known address.  Any changes in these terms, including, without limitation, changes in the 
ANNUAL PERCENTAGE RATE (APR) and the Periodic Rate, shall be effective with respect to any balances then outstanding to the extent allowable by law as well 
as to future Credit Purchases and Cash Advances.  For example, CFE may change the terms based on information in your credit report; APRs may change to 
higher APRs, fixed APRs may change to variable APRs, or variable APRs may change to fixed APRs. Any changes will be in accordance with your account 
agreement. 

In the event you do not wish to comply with these terms and conditions for any reason, you understand that you may terminate this agreement and return the 
credit card to CFE. Cardholder acknowledges receiving from Issuer the initial disclosures required by Regulation Z of the Truth-In-Lending Act ("Initial 
Disclosures") and agrees that the terms contained in the initial Disclosures apply to Cardholder and Cardholder's use of the Card. 

CFE will establish a line of credit for you and notify you of your credit limit. The credit limit approved shall be determined by the credit union, and this credit limit 
will be drawn upon and replenished as you access the available funds by using an issued credit card, a convenience check, or by other means. You agree that 
your credit limit is the maximum amount you will have outstanding on your account, at any time, including purchases, cash advances, Finance Charges, plus 
other fees described in this or subsequent disclosures.  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 by a method acceptable to the Issuer.  The Issuer has the right to reduce your credit 
limit, decline any transaction including but not limited to cash advances, and/or terminate your Account at any time for any reason not prohibited by law. 

Using Your Credit Card Account: You may use your card to make purchases from entities that accept credit cards.  You may be required to provide card 
number security information to purchase goods or services via the Internet or telephone before your transaction is completed.  You may use your Card to obtain 
cash advances from CFE, other participating financial institutions, or an automated teller machine (ATM) authorized for such transactions. Use of your Card to 
obtain cash advance(s) from an ATM requires use of the Personal Identification Number (PIN) that is issued to you for use with this Card. Note that some ATMs 
do not allow cash advances or accept MasterCard. You agree not to use your Card to conduct any illegal transaction per applicable federal, state, or local law, 
including, but not limited to, using the card to initiate any type of gambling or wagering where such practices are in violation of federal, state, or local law. You 
agree to repay according to the terms of this Agreement all transactions you initiate by use of your card, whether deemed legal or illegal. 

Issuer shall not be responsible for refusal by any entity to honor the Card or any related Card.  Any refund, adjustment or credit allowed shall not be by cash 
but rather by a credit advice to Issuer which shall be shown as a credit on Cardholder's account statement with Issuer. 

Security Precautions: CFE Federal Credit Union advises all check card and credit cardholders to please exercise discretion when using an Automated Teller 
Machine (ATM). There are risks of using a PIN at an ATM terminal that has been modified, has a suspicious device attached, may not be genuine, or is 
otherwise operating in a suspicious manner. Therefore, please tell us if you know of any problem with a facility. For instance, let us know if a light is not working 
or there is any damage to a facility. Report any suspicious activity or crimes to both the operator of the facility and the local law enforcement officials 
immediately. We want the ATM and night deposit facility to be safe and convenient for you.  

Additional Benefits/Card Enhancements: CFE may, from time to time, offer additional services or benefits to your Account, such as travel insurance, 
rewards points which may be redeemed for travel, gift certificates or merchandise, cash rebates, or other benefits.  Such benefits shall be provided at no 
additional cost to you.  CFE reserves the right to limit the number of points or the amount of cash rebates or other benefits at any time without notice. You 
understand and agree that CFE is under no obligation to offer such services and may withdraw or change them at any time. 

Your Responsibility: You agree that you are liable for and will pay CFE all charges (purchases, cash advances) to your account made by you or anyone else 
who is authorized to use your credit card Account (including all Cards bearing the same MasterCard account number).  You shall be liable and agree to pay 
Issuer for Credit Purchases made by, or for Cash Advances extended to, Cardholder or anyone else using such Card unless the use of such Card is by a person 
other than the Cardholder (a) who does not have actual, implied or apparent authority for such use, and (b) from which Cardholder receives no benefit. 
Additionally, Cardholder shall be jointly and severally liable and agrees to pay for all Credit Purchases and Loans obtained through the use of any other Card 
bearing Cardholder’s account number that has been issued to another person by reason of such person by being a member of Cardholder’s family, or otherwise 
issued upon Cardholder’s request (all such Cards bearing the same MasterCard account number hereinafter collectively called “Related Cards”). In addition, you 
agree to pay all Finance Charges and other charges added to your Account under the terms of this Disclosure and Agreement and any other applicable 
Agreement you have made with CFE.  You undertake to safeguard the Card against damage, loss, theft or misuse and to maintain it at all times in a safe place. 
You will be responsible for any loss, claim or damage resulting from your failure to do so. 

Young members: The Credit Card Act restricts CFE’s ability to provide young members with credit cards who are under the age of 21. In order to issue credit 
cards to such members, the application will have to: 1) include the signature of a consignor, guarantor, or joint applicant who has attained the age of 21 and 
has the means to repay the debts incurred; or 2) include financial information indicating that the underage member has the ability to repay the debts incurred.  
Future credit line increases will follow the above requirements. 

Returns and Adjustments: All credit purchases and cash advances are affected at the option of the merchant and/or cash advancing financial institution. Any 
refund, adjustment or credit allowed by any entity will be made by a credit advice to Issuer which will be applied as a credit on your account statement.  If your 
credits and payments exceed what you owe on your Account, the amount will be applied against future purchases and/or cash advances.  If your credit balance 
exceeds $1, you may request a refund by writing to us at:  CFE Federal Credit Union, Attn: Card Services, PO Box 958471, Lake Mary, Florida  32795-8471, 
Phone: 407-896-9411, outside Orlando 1-800-771-9411, option 3. 

Credit Limit: By using the card, you acknowledge that you applied for a credit card to use from time to time and which may be replenished by payment on 
amounts previously drawn.  The credit limit will be determined by the Issuer, and will be drawn upon as you utilize the Account.  You agree not to use your Card 
or permit the use of your Account to obtain credit purchases or loans which will increase your credit card indebtedness to us to an amount in excess of the 
established limit.  

Statements and Notices: CFE will send you at the most recent address you have given the Credit Union, at monthly intervals determined by us, a statement 
reflecting all Account activity for the prior period (“cycle”), including purchases, cash advances, fees, and payments.  Additional notices and information may be 
sent to you at any time.  Such statements, notices, and information will be sent to the most recent mailing address you have provided to the Credit Union.  
Notice sent to any one authorized user on the Account will constitute notice sent to all authorized users.  Unless you notify us in writing within 60 days of the 
mailing of each statement, the statement will be deemed correct and accepted by you and all authorized users of the Account.   

Payment: You agree to pay at least the minimum required payment amount shown on your statement by the date shown on the statement or no later than 
twenty-five (25) days from the statement closing date, whichever is later.  You may pay more frequently, pay more than the minimum payment, or repay the 
Total New Balance in full at your option without penalty. 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 required MINIMUM MONTHLY PAYMENT will be the greater of:  a) $20 or b) 3% 
of the portion of the outstanding balance which does not exceed your credit limit, plus the entire portion of the outstanding balance in excess of your credit 
limit, plus any amount past due.  If the outstanding balance of your account is $20 or less, it will be payable in full.  CFE may accept checks marked "Payment in 
Full" or with words of similar effect without losing any of our rights to collect the full balance of your account. Except where prohibited by law, satisfaction of 
your account balance for less than the New Balance requires written agreement signed by one of our authorized employees. 

Payment Allocation:  Payments in excess of the Minimum Payment Due will be applied to the balance with the highest annual percentage rate and any 
remaining portion to the other balances in descending order from the highest APR based on the applicable APR in accordance with law. Any payments less than 
the Minimum Payment Due and credits will be applied at our discretion. You may no longer direct us how to apply your payment among your account types or 
on balances within your account types. 

 
         
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Default: You will be in default under any of the following circumstances:  1) if you fail to make any minimum payment or other payment required by the Issuer 
on or before the date it is due or if you attempt to in any way avoid payment of your obligations; 2) if you violate any portion of your responsibility or promise 
you made under this agreement; 3) if you file for bankruptcy or become insolvent, meaning you are unable to pay your obligations when they are due or if 
attachment or garnishment proceedings are instituted against you; 4) if you made any false or misleading statements in any credit application; 5) if you 
provided false identification or records in connection with any credit application or credit update; 6) in the event of your death; 7) if you incur charges for 
Purchases and Cash Advances which exceed the maximum authorized credit limit; and/or 8) if the Issuer, in its sole discretion, believes your ability to repay 
what you owe may be substantially reduced due to an event either within or beyond your control. Failure by Issuer to assert any rights hereunder shall not 
waive such rights.  

When you are in default, the Issuer may demand immediate payment of your Account balance in full without giving you prior notice.  If immediate payment is 
demanded, you agree to continue paying Finance Charges at the annual percentage rate established for this account by the Issuer, until the entire balance 
has been paid.  Any shares that were given as security for your Account may be applied towards what you owe the Issuer.   

Security Interest: You agree that this account is secured by all share and deposit accounts that you have or may have with CFE and that collateral 
pledged for other loans you have with this credit union will also secure your obligation under this agreement. However, unless you expressly agree 
otherwise, your IRA’s, household goods and primary dwelling will not secure your obligations under this agreement even if the Issuer has or later acquires a 
security interest in the household goods or a mortgage on the dwelling. This security interest shall continue as long as you have your credit card account 
even if there is no outstanding balance on your account from time to time. You agree that if you do not make your credit card account payments on time, 
or if the balance on your Account exceeds your credit limit, CFE may, without notice to you, take funds from one or more of your share accounts to apply to 
the payment of this Account, and interests and costs, if delinquent and/or over the credit limit. 

Interest: Interest on Loans and Credit Purchases will be charged in accordance with the Finance Charge calculation method referred to in the Disclosure box. 
The rate of interest will be established by Issuer from time to time and will not exceed the maximum rate of 17.75% APR.  The current interest rate per annum 
is the Annual Percentage Rate (APR) set forth in the Disclosure box below. 

Variable  Rate  Information:  Your  APR  will  vary.  The  rate  for  purchases,  cash  advances  and  balance  transfers  is  determined  by  Prime  Rate  (Wall  Street 
Journal Index). The Wall Street Journal Index is published in the consumer rates table of the Wall Street Journal on the 15th of each month (or the next business 
day if not published on the 15th) effective with your billing statement the following month. 

Termination of this Agreement: CFE may terminate this agreement under the following conditions: a) upon adverse re-evaluation of your credit worthiness; 
b) if you fail to satisfy the terms of the agreement; and/or c) at your option or our option, if we have good cause.  If your credit card Account is to be 
terminated by the Issuer, you will receive written notice of such termination as applicable by law; however, you understand and acknowledge that such 
termination will not affect your obligation to pay any outstanding balance, Finance Charge, and fees.  The Card(s) issued to you for this Account remain the 
property of the Issuer.    

Card Ownership and Surrender Rules: Each Card is the property of CFE is not transferable and must be surrendered upon demand. The card can be 
cancelled as well as repossessed by CFE or its designee, and the privileges revoked, at any time without prior notice.  If the card is cancelled or surrender is 
demanded by Issuer, or if you default in any payment due, or if you are bankrupt or insolvent, or any attachment or garnishment proceedings are initiated 
against you or your property, or in the event of your death, CFE may elect to declare all amounts then owed to be immediately due and payable without notice 
or demand of any kind.  

Reapplication: A reapplication by you and approval by the Issuer may be required if: a) the credit limit is increased; or b) the terms of payment are extended 
beyond the terms of the original agreement. 

Delinquent loans: You fully understand, acknowledge and agree that if your loans with us become delinquent or past due, your credit card Account shall be 
revoked, unless we determine that extenuating circumstances have contributed to the delinquency.  Under such circumstances we reserve the right to approve 
your continued use of the credit card. 

Enforcing obligations: You agree to pay all costs incurred by CFE in collecting your debt or in enforcing this agreement, including reasonable attorney's fees 
and also those costs, expenses and attorney's fees incurred in appellate, bankruptcy and post-judgment proceedings, except to the extent such costs, fees or 
expenses are prohibited by law.  Should the Issuer employ or engage the services of any entity to enforce any of your obligations relating to this agreement, or 
to protect its interests in any manner arising under this agreement, you agree to pay to CFE all reasonable costs or expenses incurred as a result.  

Communications: You agree that we, our agents or service companies may monitor and/or record any telephone communications or electronic 
communications with you.   

Credit Review and Release of Information: CFE reserves the right to reinvestigate and reevaluate any information you provided on your credit application 
at anytime. In the course of doing so, we may ask you for additional information, request credit bureau reports and/or otherwise verify your current credit 
standing. Effective February 1, 2011, due to federal regulations CFE is required to review your account not less frequently than once every six months to 
reassess your credit worthiness and adjust your APR accordingly, if necessary. You agree that we may release information to others, such as credit bureaus, 
regarding the status and history of your account. However, we are not obligated to release any such information to anyone unless required by law to do so. 

Laws of the State: Except to the extent that Federal law is applicable, the validity, construction and enforcement of this agreement and all matters arising out 
of the issuance and use of the Card shall be governed by the laws of the State of Florida.  You understand and agree to submit to the jurisdiction of the State of 
Florida and that the exclusive venue for any action or dispute shall be in the courts of Orange County, Florida. 

Final Agreement / No Waiver: This Disclosure and Agreement is the definitive agreement between you and the Issuer and may not be contradicted by 
evidence of any alleged oral agreement.  The Issuer can delay enforcing any of its rights any number of times without losing them. 

MasterCard Rules: You agree that your Account shall be subject to all applicable rules and regulations of MasterCard International, as applicable, as well as all 
applicable laws. If there is any conflict between the provisions of this Agreement and the rules and regulations of MasterCard International, the rules and 
regulations of MasterCard International shall control. 

Finance Charge: The Finance Charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer 
and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a 
comparable cash transaction. Cash advance fees are Finance Charges. Foreign transaction fees are not Finance Charges.           

Balance Computation Method: Average daily balance method (including current transactions). We figure the interest charge on your account by applying the 
periodic rate to the “average daily balance” of your account. To get the “average daily balance” we take the beginning balance of your account each day, add 
any new [purchases/advances/fees], and subtract [any unpaid interest or other Finance Charges and] any payments or credits. This gives us the daily 
balance. Then, we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the “average 
daily balance.” 

Periodic Finance Charge Calculation Methods: New purchases posted to your account during a billing cycle will not incur a Finance Charge for that billing 
cycle if you had a zero or credit balance at the beginning of that billing cycle or you paid the entire New Balance on the previous cycle’s billing statement by the 
Payment Due Date of that statement; otherwise a Finance Charge will accrue from the date a purchase is posted to your account. To avoid an additional 
Finance Charge on the balance of purchases, you must pay the entire New Balance on the billing statement by the Payment Due Date of that statement. A 
Finance Charge begins to accrue on cash advances from the date you get the cash advance or from the first day of the billing cycle in which the cash advance 
is posted to your account, whichever is later.  

The Finance Charge is calculated separately for purchases and cash advances. For purchases, the Finance Charge is computed by applying the monthly 
periodic rate to the average daily balance of purchases. To get the average daily balance of purchases, we take the beginning outstanding balance of purchases 
each day, add any new purchases, and subtract any payments and/or credits. This gives us the daily balance of purchases. Then, we add all the daily balances 
of purchases for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the average daily balance of purchases.  

Method of Computing Cash Advances: 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 during the billing cycle by the number of days in the cycle. Each 
daily balance of Cash Advances is determined by adding to the Previous Balance of Cash Advances any new Cash Advances as of the transaction date or the first 
day of the billing cycle in which posted, whichever is later and subtracting any payments as received and credits as posted to your account, but excluding any 
unpaid Finance Charge. 

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Balance Transfers: Balance transfers must be transferred from any financial institution other than CFE. Balance transfers and cash advances may not be used 
to pay any CFE accounts. Balance transfers are treated as and considered cash advances on your account. Amounts transferred are subject to your available 
credit limit. We are not required to honor a balance transfer request that will cause you to exceed your available credit limit. We will not be responsible for late 
payment or non-payment to other card issuers. We are not responsible for fees that may be charged for cash advances performed at other financial institutions 
and ATMs owners. There is no grace period for balance transfers. 
It may take up to three (3) weeks for other financials to post the balance transfer transaction. You should continue to make all required payments until you 
confirm that the balance transfer was posted to the other financial institution. We will not close your other accounts even if you transfer the entire balance. If 
you wish to close another account, you should contact the issuer directly.  

Balance transfers and cash advances do not qualify to earn bonus points on the MasterCard Platinum Cash and MasterCard Platinum Rewards accounts. 

Other Fees May Apply to the Account: Additional charges, plus applicable taxes, may also be assessed on the account.  Such fees are added to the balance 
of the Account and will be notated on your statement.  Fees will not be included in any Finance Charge calculation. Use of the card constitutes your 
understanding of an agreement to the following Fee Schedule: 

Late Payment Warning: If we do not receive your minimum payment by the date listed on your statement you may have to pay a late payment fee 
of $15 on balances less than $500 and $25* for balances over $499.  Your APR(s) may be increased up to the Penalty APR of 17.75%.  *The late 
payment fee for balances over $499 will be based on the greater amount of $20 or 3% of the outstanding balance not to exceed $25. 

Penalty APR: Each time your account becomes 60 days past due, the Penalty APR will apply to all account balances. Any Promotional or 
Introductory APR will end and the Penalty APR will begin on the first day of the billing period. After you have made all the required 
payments on time for six consecutive billing periods, the Annual Percentage Rate will be reduced to the regular account APR beginning the 
first day of your next billing period. The change to your Penalty APR applies to all existing and future balances on your account. 

Returned Check or Rejected Payment: If you pay us electronically or by check and your financial institution does not honor the 
payment or check, a fee of $25 will apply. 

Over-the-credit-limit: If at any time your account balance is over your credit limit a fee will not be charged.   

Special Services: CFE reserves the right to charge a fee for Special Services that you request, if such charges are not prohibited by law 
or regulation. No Finance Charge will be assessed on such additional charges.  For example, a $5 fee applies for each copy of a 
document that you request (except when the request is made in connection with the investigation of a billing error made by the Issuer).  
You may be charged $5 if you order a replacement card. The fee for other Special Services, if applicable, will be disclosed to you prior to 
processing the request. Additionally, there will be a $20 per hour or $5 minimum research fee. No charge will be made in connection with 
any good faith assertion of a billing error on the account. 

Liability for Unauthorized Use: If you notice the loss or theft of your credit card or a possible unauthorized use of your credit card or related cards, you 
should write to us immediately at: PSCU Financial Services, Credit Card Security Department, PO Box 31281, Tampa, FL 33631-3281 or call us at (800) 654-
7728. You may also contact us on the Web: www.pscufs.com. You will not be liable for any unauthorized use that occurs after you notify us. You may, 
however, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50. 

Unauthorized Use – MasterCard: You may be liable for the unauthorized use of your MasterCard credit card. If you believe that your card has been lost, 
stolen, or an unauthorized use has occurred, notify PSCU Financial Services - Credit Card Security Department immediately at (800)-654-7728. If you have 
exercised reasonable care in safeguarding your card from loss or theft, you have not reported two or more incidents of unauthorized use in the last 12 months, 
and if your account is in good standing, you will not be liable for any unauthorized purchases made with your card after you notify us. If you don't meet these 
conditions, or if the unauthorized use occurred at an ATM, your liability will not exceed $50. 

Foreign Transactions and Currency Conversion: For MasterCard, if you effect a transaction with your MasterCard in a currency other than U.S. dollars, 
MasterCard International Incorporated will convert the charge into a U.S. dollar amount. MasterCard International will use its currency conversion procedure, 
which is disclosed to institutions that issue MasterCard cards. Currently the currency conversion rate used by MasterCard International to determine the 
transaction amount in U.S. dollars for such transactions is generally either a government mandated rate or a wholesale rate determined by MasterCard 
International for the processing cycle in which the transaction is processed, increased by an adjustment factor established from time to time by MasterCard 
International. The currency conversion rate used by MasterCard International on the processing date may differ from the rate that would have been used on the 
purchase date or cardholder statement posting date. You agree to pay the converted amount in U.S. dollars, plus any charge for conversion or processing that 
may be imposed by the Issuer, plus any charge that may be imposed for an international transaction, regardless of whether there is actually a currency 
conversion. The 1% International Service Assessment fee applies to all international transactions regardless of whether there is actually a currency conversion. 

Protected Balances Due to Rate Increases: Protected balances are the amount owed for a category of transactions to which an increased annual 
percentage rate cannot be applied after the rate for that category of transactions has been increased. 

Annual Fee: No annual fee applies to this credit card. 

Illegal Use and Internet Gambling: You agree that all transactions that you initiate by use of your card are legal in the jurisdiction where you live and/or 
where the transaction occurred. Internet gambling may be illegal in the jurisdiction in which you are located, including the United States. Your card may only be 
used for legal transactions. Display of a payment card logo by an online merchant does not mean that internet gambling transactions are lawful in all 
jurisdictions in which you may be located. You agree to repay according to the terms of this Agreement all transactions you initiate by use of your card, whether 
deemed legal or illegal. 

USA Patriot Act: 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 to you: When you open an account at CFE, we will ask for 
your  name,  address,  date  of  birth,  and  other  information  that  will  allow  us  to  identify  you.  We  may  also  ask  to  see  your  driver’s  license  or  other  identifying 
documents. 

Right To Reject Change In Terms: A member may reject a significant change in terms by calling (407) 896-9411 or (800) 771-9411, option 3 or by mailing us 
at: CFE Federal Credit Union, Attn: Card Services, PO Box 958471, Lake Mary, FL 32795-8471, but in doing so you will forego any credit availability for the 
account and the account will be terminated or suspended. The balance on the account is the balance at the end of the day on which credit availability is 
terminated or suspended. CFE will establish an amortization period required by law for the balance on the account beginning no earlier than the date on which 
CFE was notified of the rejection. The right to reject a change in terms does not apply if CFE has not received a member’s required minimum periodic payment 
within 60 days after the due date for that payment.  

Foreign Travel: CFE credit cards have an international security block to help prevent against fraud. If planning to travel outside the United 
States and you will be using your CFE credit card please call the Member Service Center at (407) 896-9411 or (800) 771-9411 outside 
Orlando, option 3 within 2 weeks prior to your trip and ask for the block to be temporarily removed.  

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: PSCU Financial Services, Credit Card Security Department, PO Box 31281, Tampa, FL 33631-3281 
or call us at (800) 654-7728. You may also contact us on the Web: www.pscufs.com. In your letter, give us the following information:  

• 
• 
• 

Account information: Your name and account number. 
Dollar amount: The dollar amount of the suspected error. 
Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. 

You must contact us: 

•  Within 60 days after the error appeared on your statement. 
• 

At least 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 [or electronically]. You may call us, but if you do we are not required to investigate any potential errors and 
you may have to pay the amount in question. 

What Will Happen After We Receive Your Letter 

When we receive your letter, we must do two things: 
1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 

3

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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: 

The charge in question may remain on your statement, and we may continue to charge you interest on that amount. 

•  We cannot try to collect the amount in question, or report you as delinquent on that amount. 
• 
•  While you do not have to pay the amount in question, you are responsible for the remainder of your balance. 
•  We can apply any unpaid amount against your credit limit. 

After we finish our investigation, one of two things will happen: 

• 
• 

If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. 
If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you 
owe. 

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we 
cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as 
delinquent, and we must let those 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. 

Special Rule for Credit Card Purchases: If you have a problem with the quality of property or services that you purchased with a 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 property or services. There are 
two limitations on this right: (a) You must have made the purchase in your home state or, if not within your home state within 100 miles of your current mailing 
address; and (b) The purchase price must have been more than $50. These limitations do not apply if we own or operate the merchant, or if we mailed you the 
advertisement for the property or services. 

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. 
3. You must not yet have fully paid for the purchase. 
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing [or electronically] at: PSCU Financial Services, Credit Card 
Security Department, PO Box 31281, Tampa, FL 33631-3281 or call us at (800) 654-7728. You may also contact us on the Web: www.pscufs.com. 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.

DISCLOSURES REQUIRED BY FEDERAL LAW

Credit Union Name
Address, Zip, Telephone
Interest Rates and Interest Charges

CFE Federal Credit Union, 1000 Primera Blvd., Lake Mary, FL 32746
PO Box 958471 Lake Mary, FL 32795-8471,  407-896-9411 (Orlando) or 800-771-9411 

Annual Percentage Rate
(APR) for Purchases

APR for Balance Transfers

APR for Cash Advances

Penalty APR and When it 
Applies

Paying Interest 

Minimum Interest Charge
For Credit Card Tips from
the Federal Reserve Board
Fees
• Annual Fee
Transaction Fees:
• Balance Transfer
• Cash Advance
• Foreign Transaction
Penalty Fees:
• Late-Payment

MasterCard® Platinum 

 8.75% - 17.75%
10.25% - 17.75% 

MasterCard Platinum Cash and Platinum Rewards

  8.75% - 17.75%
10.25% - 17.75% 
• When you open your account, based on your credit worthiness. After that, your APR 
will vary with the market based on the Prime Rate. 
MasterCard Platinum
MasterCard Platinum Cash and Platinum Rewards 
• This APR will vary with the market based on the Prime Rate.
Master Card Platinum
MasterCard Platinum Cash and Platinum Rewards 
• This APR will vary with the market based on the Prime Rate.
MasterCard Platinum 
MasterCard Platinum Cash and Platinum Rewards 
• This APR will be applied to your account if you are 60 days past due.
How Long Will the Penalty APR Apply?: If your APR is increased for the above 
reason, the Penalty APR will apply until you make six consecutive minimum payments
when due.
Your due date is at least 25 days after the close of each billing cycle. We will not 
charge you interest on purchases if you pay your entire balance by the due date each 
month. We will begin charging interest on cash advances and balance transfers on the
transaction date.
If you are charged interest, the interest charge will be no less than $0.50.
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. 

 8.75% - 17.75%
10.25% - 17.75% 

17.75%
17.75%

None

None
None
1% of each transaction in U.S. dollars.

Up to $25. This fee will be $15 on balances less than $500 and $25* for balances over 
$499. * See Late Payment Warning.
None
Up to $25

• Over-the-credit-limit
• Returned Payment
How We Will Calculate Your Balance: We use a method called "average daily balance (including current transactions)." 
See your account agreement for more details.
Loss of Introductory APR:  We may end your introductory APR and apply the Penalty APR if you make a late payment.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your 
account agreement.                                                                                                    M-105189 (Rev: 11/10/11) 

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