b"F&A FEDERAL CREDIT UNION\nVISA CREDIT CARD AGREEMENT AND DISCLOSURE\nIMPORTANT \xe2\x80\x93 Retain for your records\nEffective: AUGUST 16, 2016\nCARD AGREEMENT\nThis Visa Credit Card Agreement and Disclosure (\xe2\x80\x9cAgreement\xe2\x80\x9d) is your contract with us. The Pricing Information Table below is a\npart of this Agreement and shows important information about your Account, such as your Annual Percentage Rate and certain fees.\nAny amendments to this Agreement are also part of this Agreement. Please read all parts of this Agreement and keep it for your\nrecords.\nPRICING INFORMATION TABLE\nCA\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\n6.90%\n\nAPR for Balance Transfers\n\n6.90%\n\nAPR for Cash Advances\n\n6.90%\n\nPenalty APR and When it Applies\nPaying Interest\n\nNone\nYour due date is at least 21 days after the close of each billing cycle. We will not charge\nyou interest on purchases if you pay your entire balance by the due date each month. We\nwill begin charging interest on cash advances and balance transfers on the transaction\ndate.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card,\nvisit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\n\nFees\nAnnual Fee\nTransaction Fees\nBalance Transfer\nCash Advance\nForeign Transaction\nPenalty Fees\nLate Payment\nReturned Payment\nOver the Credit Limit\n\nNone\nNone\nNone\n1% of each transaction in U.S. dollars\n\nUp to $20\nUp to $5\nNone\n\nHow We Will Calculate Your Balance: We will use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided at the end of this\nAgreement.\nDetails About Your Interest Rates and\nPeriodic Rate\nInterest Calculations\nPurchases\n0.575% (M)\nBalance Transfers\n0.575% (M)\nCash Advances\n0.575% (M)\n(M) = Monthly periodic rate. A monthly periodic rate is the APR divided by 12.\n01/01: 8/16/2016\n\n1\n\nCorresponding Annual Percentage\nRate (APR)\n6.90%\n6.90%\n6.90%\n\n\x0cDEFINITIONS\nThe following definitions apply to this Agreement:\n\xef\x82\xb7 ACCOUNT: The line of credit associated with your Premier Low Rate Visa Credit Card Account with us.\n\xef\x82\xb7 ACCOUNT BALANCE: All authorized charges, plus any finance charges assessed on your Account, plus any other fees\nand charges which you owe to us under the terms of this Agreement.\n\xef\x82\xb7 AUTHORIZED USER: Any person you allow to use your Account with a Card we provided with that person\xe2\x80\x99s name.\n\xef\x82\xb7 BILLING PERIOD: The period of time between each date when we create a periodic statement for your Account. A\nBilling Period is usually 23-26 days. For each Billing Period, your statement will show any Transactions, other charges,\npayments and other credits posted during that Billing Period.\n\xef\x82\xb7 CARD: The Premier Low Rate Visa Credit Card issued to you (and any duplicates and renewals we may issue) used to\naccess your Account to obtain credit.\n\xef\x82\xb7 CONSUMER REPORTING AGENCY: An organization, such as Experian, Equifax and TransUnion, that compiles credit\ninformation for the purpose of generating consumer credit reports. It is also known as a \xe2\x80\x9ccredit bureau\xe2\x80\x9d and a \xe2\x80\x9ccredit\nreporting agency.\xe2\x80\x9d\n\xef\x82\xb7 LATE PAYMENT: A payment is late if you do not pay at least an amount equal to the Minimum Monthly Payment by the\nPayment Due Date.\n\xef\x82\xb7 RETURNED PAYMENT: A payment that is not honored by your financial institution.\n\xef\x82\xb7 TRANSACTION: A Purchase, Balance Transfer or Cash Advance, as applicable.\n\xef\x82\xb7 YOU, YOUR, and YOURS: Each and all of those who apply for or use the Card and/or VISA Credit Card Account.\n\xef\x82\xb7 WE, US, OUR and CREDIT UNION: F&A FEDERAL CREDIT UNION.\nYOUR ACCOUNT\nBINDING AGREEMENT: This Agreement takes effect once you use your Card. Even if you do not use your Card, this Agreement\nwill take effect unless you contact us to cancel your Account within 45 days after we sent you this Agreement.\nACCOUNT USE: Your Account use is subject to this Agreement. All Transactions are subject to our approval. You may use your\nCard to purchase goods and services in person, online, and by mail or telephone from merchants and others who accept Visa credit\ncards. In addition, you may obtain cash advances from the Credit Union, from other financial institutions or select merchants\nparticipating in the Visa program and from automated teller machines (ATMs) that provide access to the Visa system. Not all\nmerchants or ATMs provide such access. You will need to use your Personal Identification Number (PIN) to obtain a cash advance\nfrom an ATM. Finally, you may use your Account to transfer balances from other creditors, provided that we approve your request.\nRESPONSIBILITY: You must pay us for all amounts due on your Account, including: (1) Transactions you make, even if you did\nnot present your Card or sign for the Transaction; (2) Transactions an Authorized User makes; (3) Transactions that other people make\nif you or an Authorized User let them use your Account; (4) an advance on your Account resulting from an overdraft created on your\nchecking account with us; and (5) any fees and interest charges on the Account. Your agreement to repay us extends to the use of the\nAccount by you or any other person you permit to use the Account, even if that person exceeds your permission. You cannot disclaim\nresponsibility by notifying us, although we will close the Account if you so request. Your obligation to pay the Account Balance\ncontinues even though an agreement, divorce decree, or other court judgment to which we are not a party may direct someone else to\npay the Account Balance. The Cards remain our property and you must recover and surrender to us all Cards upon our request and/or\nupon termination of this Account.\nJOINT ACCOUNTS: If this is a joint Account, each of you will be individually and jointly responsible for paying all amounts owed\nunder this Agreement. This means that we can require any one of you individually to repay the Account Balance. Each of you\nauthorizes the other to make Transactions individually. Any one of you may close the Account and such closure will be effective as to\nall of you. You agree that all notices regarding the Account may be sent solely to the cardholder whose name and address appears on\nour billing records. If this is a joint account, neither party can be released from his or her obligations except upon the Credit Union\xe2\x80\x99s\napproval.\nSIGNATURE REQUIREMENT: In order for your Card to be valid, you must activate and sign the Card as soon as you receive it.\nHowever, your liability does not depend on whether or not you sign your Card.\n\n01/01: 8/16/2016\n\n2\n\n\x0cCREDIT LIMIT AND CASH ADVANCE LIMIT: We assign a Credit Limit to your Account. This Credit Limit is available for\nCash Advances, and there is no separate limit on the amount of Cash Advances you can take in a given period. The Credit Limit is\nshown in the Summary of Account Activity section on your periodic statement. You agree to manage your Account so that: (1) your\nAccount Balance (including fees and charges) is not more than your Credit Limit; and (2) your Cash Advance balance (including fees\nand charges) is not more than your Cash Advance Limit. However, if your Account Balance exceeds your Credit Limit or Cash\nAdvance Limit, you are still obligated to pay us. We may increase or decrease your Credit Limit at any time and we may notify you\nof such increase or decrease by mail or through a statement sent to the primary accountholder\xe2\x80\x99s address of record, in accordance with\napplicable legal requirements. If you object to any Credit Limit increase, you must notify us immediately. You or any co-borrower on\nthe Account may request a change to the Credit Limit orally, in writing, or electronically, but any such request must be approved by\nus. If your Credit Limit is increased, you are immediately responsible for the new Credit Limit and any increase in the Account\nBalance even when it differs from an amount previously agreed to orally or in writing.\nCONSUMER PURPOSES: You may use your Account only for personal, family or household uses; you may not use the Account\nfor business purposes. If you do use your Account for business purposes, this Agreement still applies and you must pay us for those\nTransactions. We may close your Account if we learn that you are using it for business purposes.\nUNLAWFUL TRANSACTIONS: Your Card or Account may not be used directly or indirectly in a manner that would constitute a\ncrime under local, state or federal law, or in any illegal activity, including without limitation (1) any \xe2\x80\x9cracketeering activity\xe2\x80\x9d as defined\nin 18 U.S.C. \xc2\xa7 1961, or (2) any gambling, gaming, betting, or similar activity or transaction. Further, you may not use your Card or\nAccount for the purchase of any goods or services on the Internet that involve gambling, gaming, betting, or any similar transaction or\nactivity. Such transactions include, but are not limited to, any quasi-cash or online gambling transaction, any electronic commerce\ntransaction conducted over an open network, and any betting transaction including the purchase of lottery tickets or casino gaming\nchips/checks or off-track betting or wagering. Display of a payment card logo by an online merchant does not mean that internet\ngambling or other transactions are legal in the jurisdiction in which you are located. However, in the event that a charge or transaction\ndescribed in this paragraph is approved and processed, you will still be responsible for such charges. If you use your Card or Account\ndirectly or indirectly in an unlawful manner you understand that your Account may be declared in default and that we may exercise\nany rights available to us, including, but not limited to, accelerating your Account Balance and demanding immediate payment\nthereof.\nMOBILE PHONES OR OTHER DEVICES: Smart phones, tablets and other electronic devices can store your Card (such as\nthrough a mobile wallet). This means they can be used to make Purchases or other Transactions. Any such Transactions are covered\nby this Agreement. Apps that use your Card to make Transactions may have separate terms of use. We are not responsible if you\nviolate those terms, or for any consequences resulting from any violation.\nAGREEMENT AND BENEFIT CHANGES\nCHANGES TO THIS AGREEMENT: Account and Agreement terms are not guaranteed for any period of time. We may change\nthis Agreement for any reason and at any time, subject to applicable law. This means that we can change rates and fees that apply to\nyour Account. It also means we can add, remove, replace or modify provisions of this Agreement. If required by applicable law, we\nwill give you notice of the changes. If you have the right to reject a change, we will notify you and tell you how to reject, unless you\nfail to make a required minimum payment within sixty (60) days after its due date. If we notify you of a change, we may do so on your\nperiodic statement or send you a separate written notice, either of which may be sent to you in an electronic format if you have agreed\nto receive notices from us electronically. Except as prohibited by law, any change in terms will apply to your existing Account\nBalance as well as to future Transactions. We may change the terms of this Agreement based on information in your credit report,\nmarket conditions, business strategy or for any other reason.\nCHANGING BENEFITS: Any benefit, reward, service or feature offered may change or be discontinued at any time for any reason.\nSeparate terms and conditions will describe any exceptions.\nANNUAL PERCENTAGE RATES AND INTEREST CHARGES\nVISA NON-VARIABLE RATE PROGRAM: This section explains how we calculate rates and interest charges applicable to your\nAccount. We use annual percentage rates (APRs) to calculate interest charges on your Account. Our VISA program is a non-variable\nrate program, which means that your APR does not increase or decrease except as otherwise provided for in this Agreement. The\nMonthly Periodic Rate used in calculating the interest charge (and the corresponding APR) is listed above in the section entitled\nPricing Information Table.\n01/01: 8/16/2016\n\n3\n\n\x0cINTEREST CHARGES: Interest charges will be imposed on Transactions only if you elect not to pay the entire Account Balance\nshown on your periodic statement by the Payment Due Date. If you elect not to pay the entire Account Balance shown on your\nperiodic statement by the Payment Due Date, interest charges will be imposed on the unpaid Average Daily Balance of Transactions\nfrom the previous statement closing date and on the new Transactions from the date of posting to your account during the current\nBilling Period, and will continue to accrue until the closing date of the Billing Period preceding the date on which the entire Account\nBalance is paid in full.\nWe calculate interest on your Account each Billing Period by applying the Monthly Periodic Rate to the Average Daily Balance\n(including new Transactions). The following explains how we do this. To get the Average Daily Balance:\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\nWe start with the beginning balance of your account each day.\nWe add any new Transactions, fees and other charges\nWe subtract any credits or payments credited as of that day and any unpaid interest or other finance charges.\n\nThis gives us the daily balance. Then, we add up all the daily balances for the Billing Period and divide the total by the number of\ndays in the Billing Period. This gives us the average daily balance\nGRACE PERIOD: You will not pay any interest on Purchases if you pay the Account Balance, including any Balance Transfers, in\nfull by the Payment Due Date shown on your periodic statement each Billing Period. We call this a grace period on Purchases.\nGenerally you will have at least a 21-day grace period from the close of each Billing Period to pay the Account Balance without\nincurring additional interest. The Payment Due Date disclosed on each periodic statement provided to you is the last day of your grace\nperiod for that statement\xe2\x80\x99s billing cycle. If you do not pay the Account Balance, including any Balance Transfers, in full by the\nPayment Due Date in a Billing Period, you will pay interest on your Purchases from the date they are posted to your Account. You\nalso will not have a grace period on Purchases again until you pay the Account Balance in full by the Payment Due Date two (2)\nBilling Periods in a row.\nThere is no grace period on Balance Transfers and Cash Advances. This means you will pay interest on Balance Transfers and Cash\nAdvances from the date these transactions post to your Account.\nFEES\nThe following fees will be added to your Account, as applicable:\nFEE\n\nAMOUNT\n\nAnnual Cardholder Fee\n\nNone\n\nLate Payment Fee\n\nUp to $20\n\nYou will be charged a Late Payment Fee of up to $20 if you\ndo not pay at least an amount equal to the Minimum\nPayment Due by the Payment Due Date. The amount of the\nLate Payment Fee will never be higher than your Minimum\nPayment Due.\n\nReturned Payment Fee\n\nUp to $5\n\nIf a payment that was applied to your Account is returned to\nus unpaid for any reason, you will be charged a Returned\nPayment Fee of up to $5. The Returned Payment Fee will\nnever be higher than the Minimum Payment Due on the last\nPayment Due Date before the payment is returned.\n\nOver the Credit Limit\n\nNone\n\nCash Advance Fee\n\nNone\n\nBalance Transfer Fee\n\nNone\n\nForeign Transaction Fee\n\n1% of each transaction in U.S.\nDollars\n\n01/01: 8/16/2016\n\nABOUT THE FEE\n\n4\n\nSee section entitled \xe2\x80\x9cForeign Transactions\xe2\x80\x9d below for\nadditional details.\n\n\x0cFEES: CONTINUED\nReplacement Card Fee\n\n$10.00\n\nExcept as prohibited by applicable law, you may be charged\na Replacement Card Fee for all cards issued other than the\nstandard re-issue card\n\nDocument Fee\n\n$1 per page\n\nIf a copy of any periodic statement, sales draft or similar\ndocument is provided by us at your request (other than in\nconnection with a billing error inquiry), a Document Fee\nmay be imposed by us on your Account.\n\nRush Card Fee\n\n$25 3-day\n\nWe will charge you a Rush Card Fee to rush each requested\nreplacement card.\n\n$50 2-day\nReturned Convenience\nCheck Fee\n\n$22\n\nWe will charge you a Returned Convenience Check Fee if a\nConvenience Check cannot be paid.\n\nConvenience\nStop Payment\n\n$10\n\nWe will charge you a Convenience Check Stop Payment Fee\nwhen you place a stop payment on a Convenience Check.\n\nCheck\n\nFOREIGN TRANSACTIONS: Purchases, cash advances, and credits made in foreign currencies will be billed to your Account in\nU.S. dollars. The conversion to U.S. dollars will be made in accordance with the Visa operating regulations for international\ntransactions. In the event that an international transaction is converted to U.S. dollars the exchange rate between the transaction\ncurrency and the billing currency used for processing international transactions will be: (1) a rate selected by Visa from the range of\nrates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself\nreceives; or (2) the government-mandated rate in effect for the applicable central processing date. The rate in effect on the applicable\nprocessing date may differ from the rate on the date you used your Card. When a credit to the account does not fully offset a charge to\nthe account due to changes in the rate, you are responsible for the difference. For Purchases, Cash Advances, and ATM transactions,\nwe will charge a Foreign Transaction Fee in an amount equal to one percent (1%) of the amount of the Purchase, Cash Advance or\nATM transaction, regardless of whether the transaction requires a currency conversion.\nThe above fees for the billing cycle will be shown on your periodic statement.\nPAYMENTS\nMINIMUM PAYMENT FOR PREMIER LOW RATE VISA: Every month, you must pay at least the Minimum Payment Due by\nthe Payment Due Date shown on your periodic statement. The Minimum Payment Due will be either (1) 2.0% of your Account\nBalance or $20.00, whichever is greater; or (2) your Account Balance if it is less than $20.00. In addition, you must pay any amount\npast due, any late charge and any amount over the Credit Limit.\nAPPLICATION OF PAYMENTS: We decide how to apply your payments, up to the Minimum Monthly Payment amount, to the\nbalances on your Account. We will apply the Minimum Monthly Payment amount in the following order: (1) unpaid fees and\ncharges, if any; (2) unpaid periodic interest charges, Transaction Fees, and other finance charges due on Purchases, Balance Transfers,\nand Cash Advances; (3) outstanding balances of Cash Advances, Balance Transfers, and Purchases previously billed, and (4) current\nCash Advances, Balance Transfers and Purchases. If you pay more than the Minimum Payment Due amount, the amount in excess of\nthe Minimum Payment Due will be applied first to the balances subject to the highest APR and then to balances subject to lower\nAPRs, in descending order of APRs until all balances subject to an APR are paid in full. You must continue to make payments until\nyou have paid the Account Balance in full.\n\n01/01: 8/16/2016\n\n5\n\n\x0cPAYMENT INSTRUCTIONS: You must follow the instructions below when making a payment. If you do, we will credit the\npayment to your Account as of the day we receive it.\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\nPayments should be sent to F&A Federal Credit Union: 2625 Corporate Place Monterey Park, CA. 91754\nWe must receive your payment on or before the Payment Due Date in order for your Account to be credited by the Payment\nDue Date.\nYou must pay in U.S. Dollars.\nYou must use a check or electronic debit issued by a financial institution in the United States (do not mail cash).\nYou must not send us a check dated after the date that we receive it.\nYou must not enclose more than one check per envelope.\nYou must not include any restrictive endorsements on the check.\nYou must follow the additional payment instructions shown on your periodic statement.\n\nIf you do not pay in U.S. Dollars and we accept your payment, we will select the currency conversion rate, and you must pay our\ncosts. If you do not follow our payment instructions, we may not accept your payment, or there may be a delay in crediting your\nAccount. Either may result in late fees and additional interest charges to your Account. If you do not follow the payment instructions\nin this Agreement or on your periodic statement, we may accept your payment without losing our rights.\nPREPAYMENT OR IRREGULAR PAYMENTS: Though you need only pay the Minimum Payment Due, you understand that\nyou have the right to repay your Account Balance at any time without penalty. You also understand and agree that you will only be\ncharged interest charges to the date you repay your entire Account Balance. You may make larger payments without penalty and this\nmay reduce the total amount of interest charges that you will repay. If you pay more than the Minimum Payment Due in any month\nand there is still a balance due, you must continue to make Minimum Payments in future months. Any partial payment of your\nAccount Balance will not advance your next payment due date(s). You understand and agree that any payment that (a) delays or (b)\naccelerates the repayment of your Account Balance will (a) increase or (b) decrease your Daily Periodic interest charge.\nPAYMENTS BY AUTOMATIC TRANSFER: By separate agreement, you may authorize us to automatically transfer the\nMinimum Payment Due from your Credit Union savings or checking account. If you request payment by automatic transfer, you\nunderstand and agree that no payment can or will be made if there are insufficient or uncollected funds in the designated savings or\nchecking account to make the scheduled payment. Should this event occur, you understand and agree that you will not be released\nfrom making the payment. Any automatic transfer you have requested will remain in effect until you cancel it in writing or the\nAccount Balance is paid in full. To stop a payment by automatic transfer, you may send us a letter requesting that the payment be\nstopped. Your letter must be received by F&A Federal Credit Union, Attention: Telephone Service Center, 2625 Corporate Place\nMonterey Park, CA. 91754, at least three (3) business days before the automatic payment is scheduled to occur. We may cancel this\nservice at our discretion.\nRECURRING PAYMENTS: The use of your Account to make preauthorized electronic recurring bill payments constitutes an\n\xe2\x80\x9celectronic fund transfer\xe2\x80\x9d as defined by the federal Electronic Fund Transfer Act and Regulation E. You may be able to place a stop\npayment on a preauthorized electronic recurring bill payment in accordance with the terms of our Electronic Services & Wire\nTransfers Disclosure and Agreement. Any such stop payment order is subject to a Stop Payment Fee of $10 for each stop payment\norder you give. A stop payment/revocation order does not release you from the obligation to pay for goods and services purchased\nfrom merchants.\nPAYMENTS MARKED \xe2\x80\x9cPAID IN FULL\xe2\x80\x9d: Payments marked \xe2\x80\x9cpaid in full\xe2\x80\x9d or other language used to indicate full satisfaction of\nindebtedness may be accepted by us without being bound by such language or waiving any rights under this Agreement. We will\naccept full satisfaction of indebtedness only in a written agreement, signed by an authorized representative of the Credit Union.\n\n01/01: 8/16/2016\n\n6\n\n\x0cCREDIT REPORTING\nCREDIT REPORTING: In connection with our issuance of a Card to you, we are allowed to obtain information about you. We get it\nfrom Consumer Reporting Agencies and other sources that provide consumer financial information. We are allowed to use the\ninformation for:\n\xef\x82\xb7 Renewal of your Account;\n\xef\x82\xb7 Credit Limit increases or decreases;\n\xef\x82\xb7 Administration or review of your Account, collection and any other servicing;\n\xef\x82\xb7 All other credit-related purposes connected with this Agreement;\n\xef\x82\xb7 Offers for other cards, insurance products and other services; and\n\xef\x82\xb7 Other uses permitted by law.\nWe report Account information in your name, as well as information about you to Consumer Reporting Agencies, on a monthly basis.\nThe information we provide may appear on your credit reports. This can include information about:\n\xef\x82\xb7 Late Payments;\n\xef\x82\xb7 Returned Payments;\n\xef\x82\xb7 Over-the-credit-limit amounts; and\n\xef\x82\xb7 Other violations of this Agreement.\nIf you think we have given incorrect information to a consumer reporting agency about you (or about an authorized user), contact us at\n800 222-1226 and we will research it. We will let you know if we agree or disagree with you. If we agree with you, we will contact\neach Consumer Reporting Agency.\nACCOUNT INFORMATION, PRIVACY, AND COMMUNICATIONS\nACCURACY OF AND CHANGES TO ACCOUNT INFORMATION: You represent and warrant that the information provided\nin your credit application is accurate, and you agree to notify us in writing immediately if this information changes. If you do not, or\nif we ask you to verify your Account information and you cannot, we may suspend or close your Account.\nINFORMATION SHARING: You understand and agree that we may share information about you and your Account as permitted\nby applicable law. This includes information we obtain from you and others. Our privacy notice describes the circumstances under\nwhich the Credit Union can share its members\xe2\x80\x99 personal information.\nCONTACTING YOU: You agree that we (and/or our authorized agents) may contact you at any phone number, email address or\nmailing address you provide. This includes communications to mobile, cellular/wireless, or similar devices. We may contact you by\nlive operator, auto-dialer, prerecorded or artificial voice, text or email. You agree to pay any charges from your plan provider for\ncommunications we send to you, as well as communications you send to us.\nCALL MONITORING: We may listen to and record telephone calls between you and us to monitor and improve the quality of\nservice you receive.\nNOTICES: We will send any notices to your billing address, or, if you have agreed to receive notices from us in an electronic\nformat, we will send notices to you in an electronic form. We consider a notice sent as soon as we mail it. We consider an electronic\nnotice sent as soon as we email it, unless we receive notification that the email was undeliverable.\nEMERGENCY CARD REPLACEMENT AND EMERGENCY CASH DISBURSEMENT SERVICES: You understand and\nagree that we may provide information regarding you and your Account to Visa and/or Visa\xe2\x80\x99s authorized agents for the purpose of\nproviding emergency card replacement and emergency cash disbursement services to you.\nAUTHORIZED USERS\nACCOUNT USE BY AUTHORIZED USERS: You may request to add one or more Authorized Users to your Account. If we\napprove your request, use of your Account by an Authorized User is subject to the terms of this Agreement. You must:\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\nObtain permission from each Authorized User before naming him or her as an Authorized User on your Account.\nMake a copy of this Agreement available to each Authorized User.\nPay us for all charges incurred by each Authorized User.\n\n01/01: 8/16/2016\n\n7\n\n\x0c\xef\x82\xb7\n\nNotify us to remove an Authorized User from your Account. If we remove an Authorized User, we may close your Account,\nopen a new Account, and issue you a new Card.\n\nWe may limit the number of Authorized Users on your Account.\nYou are responsible for:\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\nAny Transactions made by an Authorized User on your Account.\nAny Transaction made by an Authorized User even if the post date shown on your periodic statement for that Transaction\noccurs after the date you ask us to remove the Authorized User from your Account.\nAny Transactions made by others if an Authorized User allows them to use your Account.\nFees and charges resulting from any Transactions made by an Authorized User or others if an Authorized User allows them\nto use your Account.\n\nACCOUNT INFORMATION RIGHTS FOR AUTHORIZED USERS: We are permitted to discuss your Account with an\nAuthorized User. This includes giving him or her access to your Account information and history. You understand and agree that an\nAuthorized User may use and receive information about the Account the same way you do. An Authorized User cannot add other\nAuthorized Users, adjust the Credit Limit or close the Account.\nWHAT CAN AUTHORIZED USERS DO?\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\nReport lost or stolen Cards\nInitiate billing disputes\nChange the billing address for your Account\nObtain Account Information, such as Transaction histories\nRequest periodic statement copies\nMake payments\nRequest refund checks\n\nINFORMATION ABOUT AUTHORIZED USERS: You agree to give us certain personal information about each Authorized\nUser. You must let each one know that you will give us that information and you must have his or her permission to do so. You must\nhave permission from each one to allow us to share information about him or her as permitted by applicable law. This includes\ninformation we may obtain from you, any Authorized User and others. It also includes information about their Transactions on the\nAccount.\nCREDIT REPORTING: We report information about this Account to Consumer Reporting Agencies in the Authorized User\xe2\x80\x99s name\nthat may appear on their credit report. This could include information about:\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\nLate Payments;\nReturned Payments;\nOver-the-credit-limit amounts; and\nOther violations of this Agreement.\n\nYou understand and agree that you must let each Authorized User know that we report Account information in his or her name.\nPlease also refer to the Credit Reporting section above.\nDEFAULT, CLOSING OR SUSPENDING THE ACCOUNT\nDEFAULT: You will be in default if:\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\nYou do not pay at least the Minimum Payment Due or other required payment by the due date;\nYou have a Returned Payment;\nYou do not honor any of the terms of this Agreement;\nYou make any false or misleading statements in any credit application or credit update;\nYour creditworthiness is impaired;\nYou file for bankruptcy or some other insolvency proceeding is filed by or against you; or\nYou are declared incompetent or mentally incapacitated, or you die.\n\n01/01: 8/16/2016\n\n8\n\n\x0cOUR RIGHTS IF YOU ARE IN DEFAULT: If any of the events listed above occurs, we may temporarily or permanently suspend\nany and all Account and Card privileges and/or we may demand immediate payment of the Account Balance. We may close or\nsuspend your Account at any time, without notifying you, as permitted by law. You agree that you will not attempt to make a\nPurchase or obtain a Cash Advance after you have been notified that your privilege to use your Account has been terminated. We may\ncancel your current Card and issue you a substitute Card at any time. You may close your Account at any time by notifying us by\ntelephone or in writing. If we close or suspend your Account, or if you close your Account, you understand and agree that you remain\nobligated to repay the entire Account Balance. You understand and agree that interest charges at the APR as permitted under this\nAgreement will continue to accrue until you repay your entire Account Balance.\nCLOSING A VISA SHARE SECURED CREDIT CARD: If your Account is a secured Account, you gave us a security interest in\na deposit account you maintain with us. This secures repayment of your Account. If you withdraw your funds from the deposit\naccount, we will close your Account. If you gave us a security interest in a deposit account, we may use the deposit amount to pay\nany amount you owe.\nTRANSACTIONS\nREFUSAL OF THE CARD: Most Transactions require approval of funds, which result in placing a hold against the Credit Limit.\nWe do not guarantee approval of Transactions. We are not liable for those that are not approved, even if you have enough available\ncredit on your Account. If we detect unusual or suspicious activity, we may suspend your credit privileges. We may also limit the\nnumber of Transactions approved per day. We may, although we are not required to, approve Transactions above your available\nCredit Limit.\nSUSPICIOUS ACTIVITY: We are committed to keeping your financial transactions as secure as possible. We use a credit card\nfraud detection system designed using neural network technology that \xe2\x80\x9clearns\xe2\x80\x9d your credit card purchase patterns. The system\nanalyzes authorization requests for your Card in real time and compares them to your purchase history as well as current fraud trends.\nIf we detect unusual transaction patterns, we can take action to reduce the potential for fraud, including but not limited to suspending\ncredit privileges. As your profile and transactions change over time, the system updates its files. We reserve the right to identify\nTransactions as unauthorized or fraudulent and subsequently to decline those Transactions. We are not responsible for any loss or\ndamage arising out of any declined Transaction.\nTRAVEL ADVISORY: A Transaction in a geographic area where you do not usually use your Card may trigger the credit card\nfraud detection system. We encourage you to provide us with prior notice of any anticipated Card activity that may be out of your\nordinary pattern of Card Transactions, such as high transaction volume and any anticipated transactions outside the U.S. You may\nprovide this notice by calling:\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\nDomestic: (800) 222-1226\nInternational: (800) 222-1226\nTo verify Account activity if Card is blocked: (800) 222-1226\n\nMERCHANT FEES: Some merchants, including merchants outside the U.S., may charge you a fee to use your Card for a Purchase.\nThe fee may be either a percentage of the amount of your Purchase or a flat fee, and will be added to the amount of your Purchase.\nUsually, a merchant will tell you about this fee before you use your Card, but not always. We do not control these fees and we cannot\nprevent them.\nMERCHANT DISPUTES: The Credit Union is not responsible for the refusal of any merchant or financial institution to honor the\nAccount and/or Card. We are subject to claims and defenses (other than tort claims) arising out of goods or services you purchase\nwith the Card only if you have made a good faith attempt but have been unable to obtain satisfaction from the merchant, and (1) your\nPurchase was made in response to an advertisement we sent or participated in sending you; or (2) your Purchase cost more than $50\nand was made from a merchant in your state or within 100 miles of your current mailing address. Any other dispute you must resolve\ndirectly with the merchant. If you dispute a charge with a merchant, we may, at our discretion, credit your Account for all or part of\nthe disputed charge. If we do so, you assign and transfer to us all rights and claims (excluding tort claims) against the merchant. You\nagree that you will not pursue any claim against the merchant for the credited amount, and you must cooperate with us if we decide to\ndo so.\n\n01/01: 8/16/2016\n\n9\n\n\x0cRETURNS AND ADJUSTMENTS: If a merchant discloses a policy such as \xe2\x80\x9cno returns,\xe2\x80\x9d \xe2\x80\x9cno refunds,\xe2\x80\x9d \xe2\x80\x9cno return or credit without\nreceipt,\xe2\x80\x9d \xe2\x80\x9cas is,\xe2\x80\x9d \xe2\x80\x9cstore credit only\xe2\x80\x9d or \xe2\x80\x9call sales final,\xe2\x80\x9d you will be bound by that policy when you use your Card to buy goods or\nservices from that merchant. A merchant refund to your Account will post to your Account as a credit. We do not control when a\nmerchant sends an Account credit. We will choose how to apply the credit to your existing Account Balance. If a credit fails to post\nto your Account, you may request our help in having the credit applied to your Account by sending us a copy of the credit receipt\nissued by the merchant. You have the sole responsibility to obtain written proof of credit and to retain copies of credit receipts until\nthe credit is properly applied to your Account. If your credits and payments exceed what you owe us, we will hold and apply this\ncredit balance against future Transactions, or if it is $1.00 or more, refund it on your written request or automatically after six (6)\nmonths.\nRECURRING AUTHORIZED TRANSACTIONS: If you authorize a merchant or any other person to charge your Account for\nrecurring Transactions, you must notify the merchant if:\n\xef\x82\xb7 You want to discontinue these Transactions;\n\xef\x82\xb7 Your Account is closed;\n\xef\x82\xb7 Your Account number changes;\n\xef\x82\xb7 Your Card expiration date changes.\nYou are responsible for reinstating any recurring authorized Transactions.\nTERMS AND CONDITIONS APPLICABLE TO VISA CONVENIENCE CHECKS\nCHECK USES: Convenience Checks (including balance transfer checks) are checks that the Credit Union may send you to access\nyour Account from time to time. The following terms will apply to the use of those checks unless otherwise disclosed with the\nchecks. You can use your Convenience Checks to purchase goods and services, to obtain cash up to the amount of your Credit Limit,\nor to conduct Balance Transfers up to the amount of your Credit Limit. Use of Convenience Checks to purchase goods and services or\nto obtain cash up to the amount of your Credit Limit is considered a Cash Advance on your account. The Credit Union will charge\ninterest beginning as of the date the Credit Union receives the Convenience Check. You cannot avoid paying interest on Convenience\nCheck transactions. Any special rules applicable to credit card purchases described in this Agreement or any other features pertaining\nto card purchases do not apply to Convenience Checks.\nLIMITATIONS: We are not required to honor a Convenience Check that will cause you to exceed your Credit Limit. We will not\npay a Convenience Check if at the time that it is presented:\n\xef\x82\xb7\n\nThe amount of the Convenience Check would cause you to exceed your Cash Advance Credit Limit;\n\n\xef\x82\xb7\n\nYou are in default or we have suspended, terminated, or canceled your Account;\n\n\xef\x82\xb7\n\nThe Convenience Check is not in the form we have issued to you;\n\n\xef\x82\xb7\n\nYour signature or the payee\xe2\x80\x99s name or endorsement is missing on the Convenience Check or the Convenience Check appears\naltered; or\n\n\xef\x82\xb7\n\nYour Convenience Check is post-dated.\n\nConvenience Checks may be used only by the person(s) whose name(s) is/are printed on the check. You are responsible for all\nauthorized use of Convenience Checks. You may not use Convenience Checks to make a payment on any other obligation you have\nwith the Credit Union, including paying any amount that you owe us pursuant to this Agreement. Certain merchants may inform you\nof their intent to convert your Convenience Check payment to an electronic ACH debit. For mailed payments, this notification will be\nprovided at the time you receive a bill. For payments made in person, this notification will be provided at the time payment is made.\nYou understand and agree that Convenience Checks are ineligible for conversion to an ACH debit and if presented by a merchant to us\nfor payment, we are required to reject and return the entry. Using Convenience Checks for payments to merchants who have notified\nyou of their intent to convert your check to an ACH debit may result in merchant returned item fees and/or late charges. You further\nunderstand and agree that you may not attempt to authorize a one-time advance from your Account via ACH by providing check\ninformation (such as the routing, account, and serial numbers) to a merchant or other payee in person, via the Internet or by telephone\nfor the purpose of having such merchant or other payee electronically initiate a funds transfer. The Credit Union will not be liable for\nany fees you incur as a result of the Credit Union\xe2\x80\x99s failure to honor a Convenience Check that is converted to an ACH debit.\nPERIODIC STATEMENTS: Your periodic statement will show you an itemization of the Convenience Checks posted to your\nAccount during the billing cycle. Convenience Checks paid by the Credit Union will not be returned to you with your periodic\nstatement.\n01/01: 8/16/2016\n\n10\n\n\x0cRETURNED CONVENIENCE CHECK FEE: The Credit Union will charge you a Returned Convenience Check Fee of $22 per\nreturned check which will be billed to your Account if a Convenience Check(s) cannot be paid. The Credit Union may decline to\nhonor such Convenience Checks if, for example:\n\xef\x82\xb7\n\nThe amount of the Convenience Check would cause you to exceed your Cash Advance Credit Limit;\n\n\xef\x82\xb7\n\nIf you are in default;\n\n\xef\x82\xb7\n\nIf you did not comply with the instructions included with the Convenience Check;\n\n\xef\x82\xb7\n\nIf the Convenience Check appears altered or is missing information;\n\n\xef\x82\xb7\n\nThe Convenience Check was used by someone other than the person to whom the Convenience Check was sent;\n\n\xef\x82\xb7\n\nThe Card has expired or was revoked;\n\n\xef\x82\xb7\n\nYour Account is closed or suspended; or\n\n\xef\x82\xb7\n\nThe Convenience Check was converted to an ACH transaction.\n\nSTOP PAYMENT: Provided your request is timely, you may order a stop payment on a Convenience Check drawn on your\nAccount. To stop payment on a Convenience Check, you must call us at (800) 222-1226 during regular business hours and provide us\nwith the following information: the Account number, the payee, any check number that may be applicable, and the exact amount of\nthe Convenience Check. If you order a stop payment on a Convenience Check orally, the order will be valid for only fourteen (14)\ndays thereafter, unless confirmed in writing. Written stop payment orders will remain in effect only for six (6) months, unless\nrenewed in writing. You have the burden of establishing the fact and amount of loss resulting from payment contrary to a binding stop\npayment. The Credit Union will charge a Convenience Check Stop Payment Fee of $10 when you place a stop payment on a\nConvenience Check which will be billed to your Account. The Credit Union is not required to notify you when a stop payment order\nexpires. If the Credit Union re-credits your Account after paying a Convenience Check over a valid and timely stop payment order,\nyou agree to sign a statement describing the dispute with the payee, to assign to the Credit Union all of your rights against the payee or\nother holders of the check and to assist the Credit Union in any legal action. You agree to indemnify and hold the Credit Union\nharmless from all costs and expenses, including attorneys\xe2\x80\x99 fees, damages, or claims, related to the Credit Union honoring your stop\npayment request or in failing to stop payment of an item as a result of incorrect information provided to the Credit Union or the giving\nof inadequate time to act upon a stop payment request.\nSURRENDER OF CONVENIENCE CHECKS: Convenience Checks are the Credit Union\xe2\x80\x99s property; the Credit Union reserves\nthe right to revoke them at any time. You agree to return them at the Credit Union\xe2\x80\x99s request\nMISCELLANEOUS\nPROMOTIONAL RATE OFFERS: From time to time and at our discretion, we may offer you a promotional APR for all or any\npart of your Account Balance, Balance Transfer or future transactions. The period of time for which the promotional APR applies\nmay be limited. Any applicable promotional APR, the corresponding periodic rates, and the period of time during which they are in\neffect will appear on the offer. Any promotional rate offer will be subject to the terms of the offer and this Agreement.\nLOST OR STOLEN CARD, NOTIFICATION AND LIABILITY: You will notify us IMMEDIATELY if you believe that your\nCard, Account number, PIN, or any combination of the three has been lost or stolen by immediately calling us at (323) 268-1226 or\ntoll-free at (800) 222-1226. For 24-hour card service, call (800) 682-6075. Telephoning is the best way of keeping your possible\nlosses down. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for\nunauthorized use that occurs before your notice to us. In any case, your total liability to us will not exceed $50.00 for any Account\nand/or Card Transactions resulting from the loss, theft, or other unauthorized use of the Account and/or Card that occurs prior to the\ntime you give notice to us. Your liability for unauthorized use may be lower in cases of Visa Card fraud in accordance with current\nVisa U.S.A., Inc. Operating Rules.\nYou agree that in the event of a lost, stolen, not received or counterfeited card or fraudulent activity on your Account, you and all\nparties given access to the Account will complete an affidavit of forgery in a form approved by the Credit Union. Claims of\nunauthorized use can be made only in connection with posted and settled transactions. You also agree to assist us in determining the\nfacts, circumstances, and other pertinent information related to any loss, theft or possible unauthorized use of your Card, Account\nnumber or PIN and to comply with such other procedures as we may require in connection with our investigation, including but not\nlimited to providing us with all requested information supporting your claim.\n01/01: 8/16/2016\n\n11\n\n\x0cLIMITATION OF LIABILITY FOR VISA TRANSACTIONS: If there is an unauthorized use of your Visa Card, and the\ntransaction takes place on the Visa network, then your liability will be zero ($0.00). This provision limiting your liability does not\napply to Visa Corporate Card or Visa Purchasing Card Transactions, ATM cash disbursements processed on non-Visa or non-Plus\nnetworks, or non-Visa PIN-less debit transactions. Additionally, your liability with respect to unauthorized transactions may be\ngreater than the above zero ($0.00) liability limit, to the extent allowed under applicable law, if we reasonably determine that you were\ngrossly negligent or fraudulent in the handling of your Account or Card.\nVISA SHARE SECURED CREDIT CARD: If you have signed a separate Share Pledge Agreement, you understand and agree that\nyou are pledging funds now on deposit in a deposit account you have with us. You understand that you must, at all times, keep a sum\nequal to your Credit Limit on deposit in the designated deposit account identified on the Share Pledge Agreement until you repay your\nentire Account Balance and the Account is closed. You understand and agree that this security interest will cover future Transactions\nunder this Agreement. If you default, we may apply the pledged funds to repay your Account Balance in accordance with federal or\nother law. You understand that the APR applicable to your Account does not take into account the amount pledged in your designated\ndeposit account.\nINACTIVE ACCOUNT: If your Account does not have any activity for eighteen (18) consecutive months, it will be considered an\ninactive account and your ability to take advances against your Credit Limit may be suspended. If your Account is inactive for twenty\nfour (24) consecutive months, we may close it.\nPERIODIC STATEMENTS: Your Card or other Account activity will be reflected on your monthly periodic statement (Statement).\nWe will send you a Statement for each Billing Period in which Transaction activity has occurred on your Account, and at least\nquarterly if no activity has occurred. Your Statement will identify the merchant, electronic terminal, or financial institution at which\ntransactions were made, but sales, cash advance, credit, or other receipts cannot be returned with the Statement. You agree to retain\nthe copy of such receipts furnished at the time of the transaction in order to reconcile your Statement. If you request a copy of any\nsales draft or similar document, a Document Fee may be imposed by us. This fee will not be imposed, however, if it was requested in\nconnection with a billing error. Statements will be mailed or delivered electronically if you have agreed to receive notices from us in\nan electronic format only to the address of the person named first on the Account.\nAUTOMATIC OVERDRAFT AUTHORIZATION: By having an Account, you are automatically enrolled in the Account\xe2\x80\x99s\nautomatic overdraft protection program. What that means is we may clear any overdrafts from your Credit Union checking account\nby an advance from your Account in the amount of the overdraft, plus applicable overdraft fees, subject to the terms of this\nAgreement. If there are not sufficient funds available for overdraft protection, your items may be returned unpaid. All overdrafts are\ntreated as Cash Advances. Your Account must be current and not over the Credit Limit for funds to transfer to your checking account.\nThe checking account referred to herein is also subject to a separate agreement between you and us. Where the terms of any other\nagreement between you and us conflict with the terms of this Agreement, the terms of this Agreement will control.\nASSIGNMENT: We may sell, transfer or assign this Agreement and your Account to a third party at any time without notifying you.\nYou may not sell, assign or transfer your Account or any of your obligations under this Agreement.\nENFORCING THIS AGREEMENT: We will not lose our rights under this Agreement because we delay in enforcing them or fail\nto enforce them.\nSEVERABILITY AND FINAL EXPRESSION: This Agreement is the final expression of the terms and conditions of your\nAccount. This Agreement may not be contradicted by evidence of any alleged oral agreement. Should any part of this Agreement be\nfound to be invalid or unenforceable, all other parts of this Agreement shall remain in effect and fully enforceable to the fullest extent\npossible.\nINTEGRATED DOCUMENT(S): You understand and agree that any separate sheet of paper, which is delivered together with this\nAgreement and incorporates this Agreement by reference, is an integrated part of this Agreement. Any future amendments to this\nAgreement will be labeled as such and will form an integrated part of this Agreement.\nCOLLECTION COSTS: To the extent permitted by law, you are liable to us for our legal costs if we refer collection of your\nAccount to an attorney who is not our salaried employee. These costs may include reasonable attorneys\xe2\x80\x99 fees, as well as costs and\nexpenses of any legal action. You understand and agree that interest charges will continue to accrue at the APR permitted under this\nAgreement until you repay your entire Account Balance.\n\n01/01: 8/16/2016\n\n12\n\n\x0cUNFORSEEN CIRCUMSTANCES: From time to time, our services might be unavailable due to circumstances beyond our control,\nsuch as fires, floods, natural disasters, system failures or other unpredictable events. When this happens, you may not be able to use\nyour Card or obtain information about your Account. We are not responsible or liable if this happens.\nGOVERNING LAW: You understand and agree that this Agreement is made in California will be governed by the laws of the State\nof California to the extent that California law is not inconsistent with controlling federal law. You also understand and agree that\nCalifornia's choice of law rules shall not be applied if they would result in the application of non-California law.\nMEMBERSHIP REQUIREMENT: You understand and agree that you must be and remain a member in good standing with us to\nbe eligible for continuing Account and/or Card privileges including future Transactions. You understand and agree that we may\nsuspend or close the Account and/or Card privileges during any period in which you do not maintain your membership with us.\nFINAL EXPRESSION: This Agreement is the final expression of the terms and conditions of your Account. This Agreement may\nnot be contradicted by evidence of any alleged oral agreement.\nCOPY RECEIVED: You acknowledge receipt of a copy of this Agreement and agree to accept its terms.\nNOTICE: See the statement below for important information regarding your right to dispute billing errors.\nYOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE\n\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at:\nF&A Federal Credit Union\n2625 Corporate Place\nMonterey Park, CA 91754\nAttention: Electronic Services Department\nIn your letter, give us the following information:\n\xef\x82\xb7 Account information: Your name and account number.\n\xef\x82\xb7 Dollar amount: The dollar amount of the suspected error.\n\xef\x82\xb7 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\nmistake.\nYou must contact us:\n\xef\x82\xb7 Within 60 days after the error appeared on your statement.\n\xef\x82\xb7 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is\nwrong.\nYou must notify us of any potential errors in writing. You may call us; but if you do, we are not required to investigate any potential\nerrors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have\nalready corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n3. We cannot try to collect the amount in question or report you as delinquent on that amount.\n4. The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n5. While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n6. We can apply any unpaid amount against your Credit Limit.\n01/01: 8/16/2016\n\n13\n\n\x0cAfter we finish our investigation, one of two things will happen:\n\xef\x82\xb7 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.\n\xef\x82\xb7 If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees.\nWe 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\ndo not pay the amount we think you owe.\nIf 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\npay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the\nname of anyone to whom we reported you as delinquent; and we must let those organizations know when the matter has been settled\nbetween 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\nis correct.\nYour Rights If You are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to\ncorrect the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase\nprice must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we\nmailed to you or if we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that\naccesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, you will contact us in writing at:\nF&A Federal Credit Union\n2625 Corporate Place\nMonterey Park, CA 91754\nAttention: Electronic Services Department\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell\nyou our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\n01/01: 8/16/2016\n\n14\n\n\x0cF&A FEDERAL CREDIT UNION PRICING INFORMATION\nAS OF AUGUST 16, 2016\n\nNon-Variable Annual Percentage Rate (APR)*\nVisa rates apply to purchases, balance transfers,\ncash advances and convenience checks.\nPremiere Low Rate Visa\nPremiere Rewards Visa\nTraditional Visa\nPenalty APR and When it Applies\nPaying Interest\n\nFees\nAnnual\nTransaction Fees\nBalance Transfer\nCash Advance\nForeign Transaction\n\nPenalty Fees\nLate Payment\nReturned Payment\nOver the Credit Limit\n\n6.90%-14.50%\n8.90%-15.50%\n9.90%-15.90%\nNone.\nYour due date is at least 21 days after the close of\neach billing cycle. We will not charge you interest on\npurchases if you pay your entire balance by the due\ndate each month. We will begin charging interest on\ncash advances and balance transfers on the\ntransaction date.\nNone\nNone\nNone\n1% of each transaction in U.S. dollars\n\nUp to $20\nUp to $5\nNone\n\nHow We Will Calculate Your Balance: We will use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided at the end of\nthis Agreement.\n\n01/01: 8/16/2016\n\n15\n\n\x0c"