GOLD MASTERCARD AND MASTERCARD CLASSIC  
CONSUMER CREDIT CARD AGREEMENT 

In this Agreement, "Agreement" means this Consumer Credit Card Agreement. "Disclosure" means the Gold MasterCard® and MasterCard Classic 
Credit Card Account Opening Disclosure. The Account Opening Disclosure is incorporated into this Consumer Credit Card Agreement and is part of the 
Agreement. The words “CFE” refers to Central Florida Educators’ Federal Credit Union.  In this Agreement the words "you," "your," and "yours" mean 
each and all of those who agree to be bound by this Agreement; "card" means the credit card and any duplicates, renewals, or substitutions UCF 
Federal Credit Union, a division of CFE Federal Credit Union issues to you; "account" means your MasterCard credit card line-of-credit account with 
UCF Federal Credit Union, a division of CFE Federal Credit Union; and "Credit Union" means UCF Federal Credit Union, a division of CFE Federal 
Credit Union whose name appears on this Agreement or anyone to whom UCF Federal Credit Union, a division of CFE Federal Credit Union transfers 
this Agreement. 

1. USING YOUR ACCOUNT - If you are approved for an account, UCF Federal Credit Union, a division of CFE Federal Credit Union will establish a line 
of credit for you. You agree that your credit limit is the maximum amount (purchases. cash advances, Finance Charges, plus "other charges") which 
you will have outstanding on your account at any time. Unless disclosed otherwise, UCF Federal Credit Union, a division of CFE Federal Credit Union 
will not allow advances over the credit limit. If UCF Federal Credit Union, a division of CFE Federal Credit Union has a program whereby it allows 
payment of advances that exceed your credit limit, subject to a fee, UCF Federal Credit Union, a division of CFE Federal Credit Union will provide you 
with notice, either orally, in writing, or electronically (notwithstanding the requirements of the paragraph entitled "Statements and Notices") explaining 
your right to opt into UCF Federal Credit Union, a division of CFE Federal Credit Union's program whereby it will honor advance requests over the credit 
limit. In the event you opt in to such a program, you agree to the terms of such a program. You may request an increase in your credit limit only by a 
method acceptable to UCF Federal Credit Union, a division of CFE Federal Credit Union. UCF Federal Credit Union, a division of CFE Federal Credit 
Union may increase or decrease your credit limit, refuse to make an advance and/or terminate your account at any time .for any reason not prohibited by 
law. If you are permitted to obtain cash advances on your account, we may, from time to time, issue convenience checks to you that may be drawn on 
your account. Convenience checks may not be used to make a payment on your account balance. If you use a convenience check, it will be posted to 
your account as a cash advance. We reserve the right to refuse to pay a convenience check drawn on your account for any reason and such refusal 
shall not constitute wrongful dishonor. 

You may request that we stop the payment of a convenience check drawn on your account. You agree to pay any fee imposed to stop a payment on a 
convenience check issued on your account. You may make a stop payment 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 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 expire after 14 days unless you confirm your 
request in writing within that time. Written stop payment orders are effective only for six (6) months and may be renewed for additional six month periods 
by requesting in writing that the stop payment order be renewed. We are not required to notify you when a stop payment order expires. If we re-credit 
your account after paying a check or draft over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the 
payee, to assign to us all of your rights against the payee or other holders of the check or draft and to assist us in any legal action. You agree to 
indemnify and hold us harmless from all costs and expenses, including attorney's fees, damages, or claims, related to our honoring your stop payment 
request or in failing to stop payment of an item 'as a result of incorrect information provided to us or the giving of inadequate time to act upon a stop 
payment request. 

2. USING YOUR CARD - You understand that the use of your credit card or credit card account will constitute acknowledgement of receipt and 
agreement to the terms of the Credit Card Agreement and Credit Card Account Opening Disclosure (Disclosure). You may use your card to make 
purchases from merchants and others who accept your card. UCF Federal Credit Union, a division of CFE Federal Credit Union is not responsible for 
the refusal of any merchant or financial institution to honor your card. If you wish to pay for goods or services over the Internet, you may be required to 
provide card number security information before you will be permitted to complete the transaction. In addition, you may obtain cash advances from UCF 
Federal Credit Union, a division of CFE Federal Credit Union, from other financial institutions that accept your card, and from some automated teller 
machines (ATMs). (Not all ATMs accept your card.) If UCF Federal Credit Union, a division of CFE Federal Credit Union authorizes ATM transactions 
with your card, it will issue you a personal identification number (PIN). To obtain cash advances from an ATM, you must use the PIN issued to you for 
use with your card. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Even if you 
use your card for an illegal transaction, you will be responsible for all amounts and charges incurred in connection with the transaction. If you are 
permitted to obtain cash advances on your account, you may also use your card to purchase instruments and engage in transactions that we consider 
the equivalent of cash. Such transactions will be posted to your account as cash advances and include, but are not limited to, wire transfers, money 
orders, bets, lottery tickets, and casino gaming chips, as applicable. This paragraph shall not be interpreted as permitting or authorizing any transaction 
that is illegal. 

3. PROMISE TO PAY - You promise to pay all charges (purchases. cash advances, balance transfers, use of convenience checks or any other charge) 
made to your account by you or anyone you authorize to use your account. You also promise to pay all Finance Charges and other charges added to 
your account under the terms of this Agreement or another agreement you made with UCF Federal Credit Union, a division of CFE Federal Credit Union. 
If this is a joint account, the paragraph on JOINT ACCOUNTS also applies to your account. 

4. PERIODIC RATES - The periodic rates applicable to purchases, cash advances and balance transfers are disclosed on the Disclosure that 
accompanies this Agreement. Any penalty rate that may be imposed for failing to make a payment by the payment due date is also disclosed on the 
Disclosure. Any rate change will be made pursuant to applicable law. If the rate for your account is variable, as indicated on the accompanying 
Disclosure, the rate charged on purchases, cash advances, balance transfers and any penalty rate will vary periodically as disclosed in the Disclosure 
accompanying this Agreement. The initial rate on your account for certain types of transactions may be an introductory discounted rate (Introductory 
Rate) that is lower than the rate that would ordinarily apply for that type of transaction. If an Introductory Rate applies to your account, the rates and the 
period of time it will be effective is shown on the Disclosure accompanying this Agreement. After the Introductory Rate period expires, the periodic rate 
will automatically increase to the rates that would ordinarily apply for that type of transaction based on the terms of this Agreement. 

5. FINANCE CHARGES - 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 (transaction date).  

The finance charge is calculated separately for purchases and cash advances. For purchases, the finance charge is computed by applying the periodic 
rate to the average daily balance of purchases. To calculate 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. We then add all 
of 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. 

For cash advances, the finance charge is computed by applying the periodic rate to the average daily balance of cash advances. To calculate the  
average daily balance of cash advances, we take the beginning outstanding balance of cash advances each day, add in any new cash advances, and 
subtract any payments and/or credits that we apply to the cash advance balance, This gives us the daily balance of cash advances. We then add all of 
the daily balances of cash advances 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 cash advances. Balance transfers are calculated in the same manner as cash advances. 

6. FOREIGN TRANSACTIONS - Purchases and cash advances made in foreign currencies will be debited from your account in U.S. dollars. The 
exchange rate used to convert foreign currency transactions to U.S. dollars is either a government-mandated exchange rate or a wholesale exchange 
rate and is selected by MasterCard. The rate MasterCard uses for a particular transaction is the rate MasterCard selects for the applicable currency on 
the day the transaction is processed. This rate may differ from the rate applicable on the date the transaction occurred or was posted to your account. 

A fee (finance charge) will be charged on all transactions completed in a foreign currency. All fees are calculated based on the transaction amount after 
it is converted to U.S. dollars. These fees are charged except where excluded. The Foreign Transaction Fee is set forth on the Disclosure accompanying 
this Agreement. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
7. FEES - In addition to the periodic rate, the following additional fees may be imposed on your account. If applicable to your account, the fee amounts 
and explanations are disclosed on the Disclosure accompanying this Agreement. Your account may also be subject to additional fees as set forth on the 
Disclosure accompanying this Agreement.  
a. Annual Fee. If your account is subject to an Annual Fee, the fee will be charged to your account upon the issuance of your card. Each year following, 
the annual fee will be charged to your account during the same month that you were first charged the fee. The fee will be charged each year until your 
account is closed and paid in full. 
b. Application Fee. If your account is subject to an Application Fee, a fee will be charged when you apply for a credit card account. 
c. Foreign Transaction Fee (Finance Charge). If your account is subject to a Foreign Transaction Fee (finance charge), a fee may be charged to your 
account for transactions made outside of the United States or in a foreign currency. 
d. Late Payment Fee. If your account is subject to a Late Payment Fee, the fee will be charged to your account when you do not make the required 
minimum payment by or within the number of days of the statement Payment Due Date set forth on the Disclosure accompanying this Agreement. 
e. Over-the-Credit Limit Fee. If you have elected the feature to allow your account to go over your credit limit, we may charge you a fee as allowed by 
law. However, in no case will we impose an over-the-limit fee except in the next two billing cycles unless you have obtained an additional extension of 
credit in excess of such credit limit during each subsequent cycle or you have reduced the balance below the credit limit as of the end of each bill cycle. 
f. Returned Payment Fee. If your account is subject to a Returned Payment Fee, the fee will be charged to your account when a payment is returned 
for any reason. 
g. Document Copy Fee. If your account is subject to a Document Copy Fee, except as limited by applicable law, a fee may be charged to your account 
for each copy of a sales draft or statement that you request (except when the request is made in connection with a billing error made by UCF Federal 
Credit Union, a division of CFE Federal Credit Union). 
h. Rush Fee. If your account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to your account for each rush card that 
you request, providing delivery of the card is also available by standard mail service, without paying a fee for delivery.  
i. Emergency Card Replacement Fee. If your account is subject to an Emergency Card Replacement Fee, a fee will be charged to your account for 
each emergency replacement card that is issued to you. 
j. PIN Replacement Fee. If your account is subject to a PIN Replacement Fee, a' fee will be charged to your account whenever you request a new PIN 
number for your account. 
k. Card Replacement Fee. If your account is Subject to a Card Replacement Fee, a fee will be charged for each replacement card that is issued to you 
for any reason. 
l. Pay-by-Phone Fee. If your account is subject to the Pay-by-Phone Fee, a fee will be charged for each time you pay a fee by telephone as disclosed 
on the Disclosure accompanying this Agreement. 

8. PAYMENTS - Each month you must pay at least the minimum payment shown on your statement by the date specified on the statement. You may 
pay more frequently, pay more than the minimum payment or pay the total new balance in full. If you make extra or larger payments, you are still 
required to make at least the minimum payment each month your account has a balance (other than a credit balance). The minimum payment is 5.00% 
of your total new balance, or $10.00, whichever is greater, plus the amount of any prior minimum payments that you have not made, all outstanding 
unpaid fees and charges, and any amount you are over your credit limit by the date specified on the statement. UCF Federal Credit Union, a division of 
CFE Federal Credit Union also has the right to demand immediate payment of any amount by which you are over your credit limit. 

9. PAYMENT ALLOCATION - Subject to applicable law, your payments may be applied to what you owe UCF Federal Credit Union, a division of CFE 
Federal Credit Union in any manner UCF Federal Credit Union, a division of CFE Federal Credit Union chooses. However, in every case, in the event 
you make a payment in excess of the required minimum periodic payment, UCF Federal Credit Union, a division of CFE Federal Credit Union will 
allocate the excess amount first to the balance with the highest annual percentage rate and any remaining portion to the other balances in descending 
order based on applicable annual percentage rate. 

10. SECURITY INTEREST - You grant UCF Federal Credit Union, a division of CFE Federal Credit Union a security interest under the Uniform 
Commercial Code and under any common law rights UCF Federal Credit Union, a division of CFE Federal Credit Union may have in any goods you 
purchase. If you give UCF Federal Credit Union, a division of CFE Federal Credit Union a specific pledge of shares by signing a separate pledge of 
shares, your pledged shares will secure your account. You may not withdraw amounts that have been specifically pledged to secure your account until 
UCF Federal Credit Union, a division of CFE Federal Credit Union agrees to release all or part of the pledged amount. 

Your Account is secured by all other shares you have in any individual or joint account with UCF Federal Credit Union, a division of CFE 
Federal Credit Union except for shares in an Individual Retirement Account or in any other account that would lose special tax treatment 
under state or federal law if given as security. These other shares may be withdrawn unless you are in default under this agreement. You 
authorize UCF Federal Credit Union, a division of CFE Federal Credit Union to apply the balance in your individual or joint share accounts to 
pay any amounts due on your Account if you should default. 

Collateral securing other loans you have with UCF Federal Credit Union, a division of CFE Federal Credit Union may also secure this loan, except that a 
dwelling will never be considered as security for this account, notwithstanding anything to the contrary in any other agreement. 

11. DEFAULT - You will be in default if you fail to make any minimum payment or other required payment by the date that it is due. You will be in default 
if you break any promise you make under this Agreement. You will be in default if you die, file for bankruptcy or become insolvent, that is, unable to pay 
your obligations when they become due. You will be in default if you make any false or misleading statements in any credit application or credit update. 
You will also be in default if something happens that UCF Federal Credit Union, a division of CFE Federal Credit Union believes may substantially 
reduce your ability to repay what you owe. 
When you are in default, UCF Federal Credit Union, a division of CFE Federal Credit Union has 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 Finance Charges at the periodic rate 
charged before default, 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. 

In the event that any suit is filed against UCF Federal Credit Union, a division of CFE Federal Credit Union with respect to this Agreement, or any credit 
card issued under this Agreement, the suit shall only be brought in the courts of the state of Florida. 

12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION - You agree to notify us immediately, orally or in writing, at UCF 
Federal Credit Union, a division of CFE Federal Credit Union, 1000 Primera Blvd., Lake Mary, FL 32746 or telephone 800-991-4061 seven (7) days a 
week, 24 hours a day, of the loss, theft, or unauthorized Use of your credit card. You may be liable for the unauthorized use of your credit card. You will 
not be liable for unauthorized use that occurs after you notify us of the loss, theft, or possible unauthorized use. However, if you exercise reasonable 
care in safeguarding your card from risk of loss or theft, if you have not reported two (2) 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 purchase transactions. In any case, your liability will not exceed $50.00. 

13. CHANGING OR TERMINATING YOUR ACCOUNT - As permitted by law, UCF Federal Credit Union, a division of CFE Federal Credit Union may 
change the terms of this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with applicable 
law. If permitted by law and specified in the notice to you, the change will apply to your existing account balance as well as to future transactions. 

Either you or UCF Federal Credit Union, a division of CFE Federal Credit Union may terminate this Agreement at any time, but termination by you or 
UCF Federal Credit Union, a division of CFE Federal Credit Union will not affect your obligation to pay the account balance plus any finance and other 
charges you owe under this Agreement Your obligation to pay the account balance plus any finance and other charges you owe under this agreement 
are subject to all applicable laws and regulations regarding repayment requirements. You are also responsible for all transactions made to your account 
after termination, unless the transactions were unauthorized. 

The card or cards you receive remain the properly of UCF Federal Credit Union, a division of CFE Federal Credit Union and you must recover and 
surrender to UCF Federal Credit Union, a division of CFE Federal Credit Union all cards upon request or upon termination of this Agreement whether by 
you or UCF Federal Credit Union, a division of CFE Federal Credit Union. If this is a joint account, the paragraph on JOINT ACCOUNTS of this 
Agreement also applies to termination of the account. 

14. CHANGING OR TERMINATING AUTHORIZED USERS - Upon your request, we may issue additional cards for authorized users that you 
designate. You must notify us in writing of any termination of an authorized user's right to access your account. Your letter must include the name of the 
authorized user and your account number and/or any subaccount number issued to the authorized user along with the authorized user's card and any 
convenience or other access checks issued to the authorized user. If you cannot return the authorized user's card or access checks and if you request 
your account to be closed, we will close your account and you may apply for a new account. 

15. CREDIT REVIEW AND RELEASE OF INFORMATION - You authorize UCF Federal Credit Union, a division of CFE Federal Credit Union to 
investigate your credit standing when opening or reviewing your account. You authorize UCF Federal Credit Union, a division of CFE Federal Credit 
Union to disclose information regarding your account to credit bureaus and creditors who inquire about your credit standing. If your account is eligible for 
emergency cash and/or emergency card replacement services, and you request such services, you agree that we may provide personal information 
about you and your account that is necessary to provide you with the requested service(s). 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
16. RETURNS AND ADJUSTMENTS - Merchants and others who honor your card may give credit for returns or adjustments, and they will do so by 
sending UCF Federal Credit Union, a division of CFE Federal Credit Union a credit slip which will be posted to your account. If your credits and 
payments exceed what you owe UCF Federal Credit Union, a division of CFE Federal Credit Union, the amount will be applied against future purchases 
and cash advances. If the credit balance amount is $1.00 or more, it will be refunded upon your written request or automatically after six (6) months. 

17. ADDITIONAL BENEFITS/CARD ENHANCEMENTS - UCF Federal Credit Union, a division of CFE Federal Credit Union may from time to time offer 
additional services to your account, such as travel accident insurance, at no additional cost to you. You understand that UCF Federal Credit Union, a 
division of CFE Federal Credit Union is not obligated to offer such services and may withdraw or change them at any time. 

18. MERCHANT DISPUTES - UCF Federal Credit Union, a division of CFE Federal Credit Union is not responsible for the refusal of any merchant or 
financial institution to honor your card. UCF Federal Credit Union, a division of CFE Federal Credit Union is subject to claims and defenses (other than 
tort claims) arising out of goods or services you purchase with the card if you have made a good faith attempt but have been unable to obtain 
satisfaction from the merchant or service provider, and (a) your purchase was made in response to an advertisement UCF Federal Credit Union, a 
division of CFE Federal Credit Union sent or participated in sending to you; or (b) your purchase cost more than $50.00 and was made in your state or 
within 100 miles of your home. 

19. JOINT ACCOUNTS – If this is a joint account, each of you will be individually and jointly responsible for paying all amounts owed under this 
Agreement. This means that UCF Federal Credit Union, a division of CFE Federal Credit Union can require anyone of you individually to repay the entire 
amount owed under this Agreement. Each of you authorizes the other(s) to make purchases or cash advances individually. Anyone of you may 
terminate' the account and the termination will be effective as to all of you. 

20. EFFECT OF AGREEMENT - This Agreement is the contract which applies to all transactions on your account even though the sales, cash 
advances, credit or other slips you sign or receive may contain different terms. 

21. NO WAIVER - UCF Federal Credit Union, a division of CFE Federal Credit Union can delay enforcing any of its rights any number of times without 
losing them. 

22. STATEMENTS AND NOTICES - Statements and notices will be mailed to you at the appropriate address you have given UCF Federal Credit Union, 
a division of CFE Federal Credit Union. Notice sent to anyone of you will be considered notice to all. 

23. SEVERABILITY AND FINAL EXPRESSION - This Agreement and the Disclosure are the final expression of the terms and conditions of your 
account. This written Agreement and Disclosure may not be contradicted by evidence of any alleged oral agreement. Should any part of this Agreement 
or the Disclosure be found to be invalid or unenforceable, all other parts of this Agreement and Disclosure shall remain in effect and fully enforceable to 
the fullest extent possible under this Agreement. 

24. COPY RECEIVED - You acknowledge that you have received a copy of this Agreement and Disclosure. 

25. PENALTY RATE DISCLOSURES - If applicable to your account, all rates for your account, including the rates for purchases, cash advances, and 
balance transfers, will increase to the Penalty Rate when you meet one or more of the conditions as set forth in the Disclosure accompanying this 
Agreement. Any rate increases applied to your account are subject to applicable notice requirements. Please refer to the Disclosure for additional 
information regarding the Penalty Rate. 

26. NOTICE TO UTAH BORROWERS - This written agreement is a final expression of the agreement between you and UCF Federal Credit Union, a 
division of CFE Federal Credit Union. This written agreement may not be contradicted by evidence of any oral agreement. 

27. THE FOLLOWING IS REQUIRED BY VERMONT LAW - NOTICE TO CO-SIGNER - YOUR SIGNATURE ON THE NOTE MEANS THAT YOU ARE 
EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT 
FROM YOU. 

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: UCF Federal Credit Union, a division of CFE Federal Credit Union, 1000 Primera Blvd., 
Lake Mary, FL 32746. 
You may also contact us on the Web: www.ucffedcu.org  
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. 
     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. 

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: UCF Federal Credit Union,  
a division of CFE Federal Credit Union, 1000 Primera Blvd., Lake Mary, FL 32746. www.ucffedcu.org 

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. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Credit Union Name
Address
Telephone, Fax, Website
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for 
Purchases

APR for Cash Advances

APR for Balance Transfers

Paying Interest 

Minimum Interest Charge
For Credit Card Tips from
the Federal Reserve Board

DISCLOSURES REQUIRED BY FEDERAL LAW

UCF Federal Credit Union, a Division of CFE Federal Credit Union,
1000 Primera Blvd., Lake Mary, FL 32746
Phone (407) 249-0008 (Orlando) Fax (407) 380-2080 www.ucffedcu.org 

Gold MasterCard®                     9.90%
MasterCard Classic                   13.90%
Gold MasterCard                                       9.90%
MasterCard Classic                                 
Gold MasterCard                                       9.90%
MasterCard Classic                                 

13.90%

MasterCard Classic                                 
• 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 
do 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. 
None
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

13.90%
Penalty APR and When it Applies Gold MasterCard                                        18.00%
18.00%

None
$10.00 (one-time fee)

Fees
Set-up and Maintenance Fees
 ‐ Annual Fee
 - Application Fee
Transaction Fees:
 - Foreign Transaction Fee
Penalty Fees:
 - Late Payment Fee
 - Over-the-Credit Limit Fee
 - Return Payment Fee
How We Will Calculate Your Balance: We use a method called "average daily balance (including new 
purchases )." See your account agreement for more details.

Up to $25.00
Up to $25.00
Up to $25.00

1.00% of each transaction in U.S. dollars.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in 
your account Agreement.

OTHER DISCLOSURES
Late Payment Fee

Over-the-Credit Limit Fee

Returned Payment Fee

$25.00 or the amount of the required minimum payment, whichever is less

$25.00 or the amount of the transaction exceeding your credit limit, 
whichever is less.
$25.00 or the amount of the required minimum payment, whichever is less.

Document Copy Fee
Rush Fee
Emergency Card Replacement Fee
PIN Replacement Fee
Card Replacement Fee
Pay-by-Phone Fee

$6.00
$17.00
$25.00
$5.00
$25.00
$10.00

Collection Costs.  You agree to pay all costs of collecting the amount you owe under the Agreement, including 
court costs and reasonable attorney's fees.

Periodic Rates.
The Gold MasterCard Purchase, Cash Advance and Balance Transfer APR is 9.90% which is a monthly periodic 
rate of 0.8250%
The MasterCard Classic Purchase, Cash Advance and Balance Transfer APR is 13.90% which is a monthly 
periodic rate of 1.1583%

Rev: 12/08/11