Hi there, welcome to FF! I'm sorry your frog is having problems, and I hate to say it but from what I'm seeing I believe you need to seek a vet specialized in frogs. I don't know what's up with her eye, it's strange (possibly bruising) but that red bump is definitely not normal, and from what I can see of her skin I wouldn't be surprised if she has some kind of a bacterial or other infection going on as well Only a test will tell you for certain.

I don't know much about the Cypress chips, but I know that certain things can be dangerous for frogs, from an ingestion standpoint and also toxic reaction. Moss is also a big NO for White's tree frogs in particular, as they can easily swallow the bits and become impacted, which could possibly lead to death without surgical intervention. Most people would recommend a safe substrate like eco-earth. Check out the White's tree frog care sheet here for more info Frog Forum - White's Tree Frog Care - Litoria caerulea

I wouldn't worry about 40% humidity, it's on the lower end of normal but perfectly fine (good average is 50%), especially if you mist 2-3 times a day and make sure the frog has a suitable soaking dish. Watch out for those cheap, non-digital, humidity gauges if you use them; they are frequently very inaccurate.

Please check out this thread http://www.frogforum.net/tree-frogs/...enclosure.html it has a list of questions that will help more folks here get you the info you need.