b'remaining amount due on the purchase. To use this right, all of the\nfollowing must be true:\n1. The purchase must have been made in my home state or within 100\nmiles of my current mailing address, and the purchase price must\nhave been more than $50. (Note: Neither of these are necessary if\nmy purchase was based on an advertisement you mailed to me, of\nif you own the company that sold me the goods or services.)\n2. I must have used my credit card for the purchase. Purchases made\nwith Cash Advances from an ATM or with a check that accesses\nmy credit card account do not qualify.\n3. I must not have fully paid for the purchase.\nIf all of the criteria above are met and I am still dissatisfied with\nthe purchase, I must contact you in writing or electronically at: Los\nAngeles Police Federal Credit Union P. O. Box 10188, Van Nuys, CA\n91410-0188; or\nI may contact you via secure e-mail by visiting the LAPFCU website,\nwww.lapfcu.org, and clicking on \xe2\x80\x9cContact\xe2\x80\x9d and \xe2\x80\x9ce-mail\xe2\x80\x9d.\nWhile you investigate, the same rules apply to the disputed amount as\ndiscussed above. After you finish your investigation, you will tell me\nyour decision. At that point, if you think I owe an amount and I do not\npay, you may report me as delinquent.\n\nClassic VISA Credit\nCard Agreement and\nFederal Truth-In-Lending\nDisclosure Statement\nEFFECTIVE MAY 1, 2020\nIMPORTANT DOCUMENT\nPLEASE KEEP FOR YOUR RECORDS\n\nLOST OR STOLEN CARDS\n(866) 604-0381\n(727) 570-4881\n\nFORM L-563 (01/2020)\n\n15\n\n16150 SHERMAN WAY, VAN NUYS, CA 91406\nPHONE (877) 695-2732 FAX (818) 787-3273\nwww.lapfcu.org\n\n\x0cIn this Classic VISA Credit Card Agreement and Federal Truth-inLending Disclosure Statement (\xe2\x80\x9cAgreement\xe2\x80\x9d) the words \xe2\x80\x9cI\xe2\x80\x9d, \xe2\x80\x9cme\xe2\x80\x9d,\n\xe2\x80\x9cmy\xe2\x80\x9d and \xe2\x80\x9cmine\xe2\x80\x9d mean each and all of those who apply for, or who\nsign for or use the Card and/or Account. The words \xe2\x80\x9cCredit Union\xe2\x80\x9d,\n\xe2\x80\x9cLAPFCU\xe2\x80\x9d, \xe2\x80\x9cyou\xe2\x80\x9d, \xe2\x80\x9cyour\xe2\x80\x9d, and \xe2\x80\x9cyours\xe2\x80\x9d mean Los Angeles Police\nFederal Credit Union. \xe2\x80\x9cCard\xe2\x80\x9d means the Classic VISA Credit Card(s)\nissued to me and any duplicates and/or renewals you may issue.\n\xe2\x80\x9cAccount\xe2\x80\x9d means my Classic VISA Credit Card Account with you.\n\nSURRENDER OF VISA CHECKS: The Checks are your property. You\nreserve the right to revoke them at any time. I agree to return them at\nyour request.\n\nBy requesting and receiving, signing, using or permitting others to use\nthe Card and/or Account issued to me by you, I agree to be bound by\n\nIf I think there is an error on my statement, I must write to you at:\n\nthe terms and conditions as set forth herein and any amendments\nand/or change in terms thereto.\nARBITRATION AND WAIVER OF CLASS ACTION: The Credit\nUnion and I agree that you and I shall attempt to informally settle\nany and all disputes arising out of, affecting, or relating to my Card,\nmy Account, or the products or services you have provided, will\nprovide or have offered to provide to me, and/or any aspect of my\nAccount relationship with you (hereafter referred to as the \xe2\x80\x9cClaims\xe2\x80\x9d).\nIf that cannot be done, then you and I agree that any and all Claims\nthat are threatened, made, filed or initiated after the Effective Date\n(defined below) of this Arbitration and Waiver of Class Action provision\n(\xe2\x80\x9cArbitration Agreement\xe2\x80\x9d), even if the Claims arise out of, affect or\nrelate to conduct that occurred prior to the Effective Date, shall,\nat the election of either you or I, be resolved by binding arbitration\nadministered by the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) in\naccordance with its applicable rules and procedures for consumer\ndisputes (\xe2\x80\x9cRules\xe2\x80\x9d), whether such Claims are in contract, tort, statute,\nor otherwise. The Rules can be obtained on the AAA website free of\ncharge at www.adr.org; or, a copy of the Rules can be obtained at any\nCredit Union branch upon request. Either you or I may elect to resolve\na particular Claim through arbitration, even if you or I have already\ninitiated litigation in court related to the Claim, by: (a) making written\ndemand for arbitration upon the other party, (b) initiating arbitration\nagainst the other party, or (c) filing a motion to compel arbitration in\ncourt. AS A RESULT, IF EITHER YOU OR I ELECT TO RESOLVE A\nPARTICULAR CLAIM THROUGH ARBITRATION, I WILL GIVE UP MY\nRIGHT TO GO TO COURT TO ASSERT OR DEFEND MY RIGHTS\nUNDER THIS AGREEMENT (EXCEPT FOR CLAIMS BROUGHT\nINDIVIDUALLY WITHIN SMALL CLAIMS COURT JURISDICTION, SO\nLONG AS THE CLAIM REMAINS IN SMALL CLAIMS COURT). This\nArbitration Agreement shall be interpreted and enforced in accordance\nwith the Federal Arbitration Act set forth in Title 9 of the U.S. Code\nto the fullest extent possible, notwithstanding any state law to the\ncontrary, regardless of the origin or nature of the Claims at issue.\nThis Arbitration Agreement does not prevent me from submitting any\nissue relating to my accounts for review or consideration by a federal,\nstate, or local governmental agency or entity, nor does it prevent such\nagency or entity from seeking relief on my behalf.\nA. Selection of Arbitrator. The Claims shall be resolved by a single\narbitrator. The arbitrator shall be selected in accordance with\nthe Rules, and must have experience in the types of financial\ntransactions at issue in the Claims. In the event of a conflict\nbetween the Rules and this Arbitration Agreement, this Arbitration\nAgreement shall supersede the conflicting Rules only to the extent\nof the inconsistency. If AAA is unavailable to resolve the Claims,\nand if you and I do not agree on a substitute forum, then I can\nselect the forum for the resolution of the Claims.\nB. Effective Date. This Arbitration Agreement is effective upon the\n61st day after you provide it to me (\xe2\x80\x9cEffective Date\xe2\x80\x9d), unless I optout in accordance with the requirements of the RIGHT TO OPTOUT provision below.\nC. Claims Arising Prior to Effective Date. THIS BINDING\nARBITRATION AGREEMENT APPLIES TO ALL CLAIMS THAT\nARE FILED OR INITIATED AFTER THE EFFECTIVE DATE, EVEN\nIF THE CLAIM ARISES OUT OF, AFFECTS, OR RELATES TO\nCONDUCT THAT OCCURRED PRIOR TO THE EFFECTIVE\n\n1\n\nMy Billing Rights: Keep this Document for Future Use\nThis notice tells me about my rights and your responsibilities\nunder the Fair Credit Billing Act.\nWhat To Do If I Find a Mistake on My Statement\nLos Angeles Police Federal Credit Union\nP. O. Box 10188, Van Nuys, CA 91410-0188\nI may also contact you via secure e-mail by visiting the LAPFCU\nwebsite, www.lapfcu.org, and clicking on \xe2\x80\x9cContact\xe2\x80\x9d and \xe2\x80\x9ce-mail\xe2\x80\x9d.\nIn my letter, I must give you the following information:\n\xe2\x80\xa2 Account information: My name and Account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If I think there is an error on my bill, I must\ndescribe what I believe is wrong and why I believe it is a mistake.\nI must contact you:\n\xe2\x80\xa2 Within 60 days after the error appeared on my statement.\n\xe2\x80\xa2 At least 3 business days before an automatic payment is scheduled,\nif I want to stop payment on the amount I think is wrong.\nI must notify you of any potential errors in writing or electronically.\nI may call you, but if I do you are not required to investigate any\npotential errors and I may have to pay the amount in question.\nWhat Will Happen After You Receive My Letter\nWhen you receive my letter, you must do two things:\n1. Within 30 days of receiving my letter, you must tell me that you\nreceived my letter. You will also tell me if you have already corrected\nthe error.\n2. Within 90 days of receiving my letter, you must either correct the\nerror or explain to me why you believe the bill is correct.\nWhile you investigate whether or not there has been an error:\n\xe2\x80\xa2 You cannot try to collect the amount in question, or report me as\ndelinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and you\nmay continue to charge me interest on that amount.\n\xe2\x80\xa2 While I do not have to pay the amount in question, I am responsible\nfor the remainder of my balance.\n\xe2\x80\xa2 You can apply any unpaid amount against my credit limit.\nAfter you finish your investigation, one of two things will happen:\n\xe2\x80\xa2 If you made a mistake: I will not have to pay the amount in question\nor any interest or other fees related to that amount.\n\xe2\x80\xa2 If you do not believe there was a mistake: I will have to pay the\namount in question, along with applicable interest and fees. You\nwill send me a statement of the amount I owe and the date the\npayment is due. You may then report me as delinquent if I do not\npay the amount you think I owe.\nIf I receive your explanation but still believe my bill is wrong, I must\nwrite to you within 10 days telling you that I still refuse to pay. If I do\nso, you cannot report me as delinquent without also reporting that I\nam questioning my bill. You must tell me the name of anyone to whom\nyou reported me as delinquent, and you must let those organizations\nknow when the matter has been settled between us.\nIf you do not follow all of the rules above, I do not have to pay the first\n$50 of the amount I question even if my bill is correct.\nMy Rights If I Am Dissatisfied With My Credit Card Purchases\nIf I am dissatisfied with the goods or services that I have purchased\nwith my credit card, and I have tried in good faith to correct the\nproblem with the merchant, I may have the right not to pay the\n\n14\n\n\x0cADDITIONAL TERMS APPLICABLE TO VISA CHECKS\nCHECK USES: I can use the VISA Checks (\xe2\x80\x9cChecks\xe2\x80\x9d or \xe2\x80\x9cCheck) to\npurchase goods and services or to obtain cash up to the amount of\nmy Credit Limit, or to conduct Balance Transfers up to the amount\nof my Credit Limit by using my VISA Check to pay a portion of or my\nentire account balance on a credit card issued by another financial\ninstitution. Use of the Checks is a Cash Advance or a Balance\nTransfer on my VISA Account. You will charge interest beginning as\nof the date the Check posts to my account. I cannot avoid paying\ninterest on Check transactions. Any special rules applicable to credit\ncard purchases described in this Agreement or any other features\npertaining to card purchases do not apply to Checks.\nLIMITATIONS: You are not required to honor a Check that will cause\nme to exceed my Credit Limit. You may refuse to pay a Check if at the\ntime the Check is presented, I am in default or you have suspended,\nterminated or canceled the Account, the Check is not in the form you\nhave issued to me, my signature or the payee\xe2\x80\x99s name or endorsement\nis missing on the Check or the Check appears altered or my Check\nis post-dated. Each Check must be in the form you have issued me.\nChecks may be used only by the person(s) whose name(s) is/are\nprinted on the Check. I am responsible for all authorized uses of the\nChecks. I may not use the Checks to pay any amount which I owe\nyou pursuant to this Agreement. Certain merchants may inform me of\ntheir intent to convert my Check payment to an electronic ACH debit.\nFor mailed payments, this notification will be provided at the time I\nreceive a bill. For payments made in person, this notification will be\nprovided at the time payment is made. I understand and agree that\nChecks are ineligible for conversion to an ACH debit and if presented\nby a merchant to you for payment, you are required to reject and\nreturn the entry. Using Checks for payments to merchants who have\nnotified me of their intent to convert my check to an ACH debit may\nresult in merchant returned item fees and/or late charges. I further\nunderstand and agree that I may not attempt to authorize a one-time\nadvance from my Account via ACH by providing Check information\n(such as the routing, account, and serial numbers) to a merchant or\nother payee in person, via the Internet or by telephone for the purpose\nof having such merchant or other payee electronically initiate a funds\ntransfer. You will not be liable for any fees I incur as a result of your\nfailure to honor a Check that is converted to an ACH debit.\nPERIODIC STATEMENTS: My periodic statement will show me an\nitemization of the Checks posted to the Account during the billing\ncycle. Checks paid by you will not be returned to me with my periodic\nstatements.\nSTOP PAYMENT: Provided such request is timely, so that you have\na reasonable opportunity to act upon it under your rules, I may order\nstop payment on a Check drawn on the Account, other than one that\nhas been guaranteed. In the event of an oral stop payment order,\nthe order shall be valid for only fourteen (14) days thereafter unless\nconfirmed in writing. A written stop payment order will remain in\neffect only six (6) months unless renewed in writing. I have the burden\nof establishing the fact and amount of loss resulting from payment\ncontrary to a binding stop payment order. You will charge a fee as set\nforth in the enclosed Schedule of Fees for each Check when I place\na stop payment on my Check(s) which will be billed to the Account.\nYou are not required to notify me when a stop payment order expires.\nIf you re-credit my Account after paying a Check over a valid and\ntimely stop payment order, I agree to sign a statement describing the\ndispute with the payee, to assign to you all of your rights against the\npayee or other holders of the check and to assist you in any legal\naction. I agree to indemnify and hold you harmless from all costs and\nexpenses, including attorneys\xe2\x80\x99 fees, damages, or claims, related to\nyou honoring your stop payment request or in failing to stop payment\nof an item as a result of incorrect information provided to you or the\ngiving of inadequate time to act upon a stop payment request.\n\n13\n\nDATE. If a Claim is filed or initiated prior to the Effective Date, this\nArbitration Agreement will not apply to such Claim.\nD. Arbitration Proceedings. The arbitration shall be conducted\nwithin 50 miles of my residence at the time the arbitration is\ncommenced. Any claims and defenses that can be asserted in\ncourt can be asserted through arbitration. The arbitrator shall\nbe entitled to award the same remedies that a court can award,\nincluding public injunctive relief to the extent available under the\nCalifornia Unfair Competition Law and Consumer Legal Remedies\nAct. Discovery shall be available for non-privileged information to\nthe fullest extent permitted under the Rules. The arbitrator\xe2\x80\x99s award\ncan be entered as a judgment in court. Except as provided in\napplicable statutes, the arbitrator\xe2\x80\x99s award is not subject to review\nby the court and it cannot be appealed. The Credit Union shall pay\nfor any filing, administration, and arbitrator fees imposed on me by\nthe AAA. However, I will be responsible for my own attorneys\xe2\x80\x99 fees,\nunless I prevail on my Claim in the arbitration, in which case, you\nwill pay my attorneys\xe2\x80\x99 fees. However, if the Credit Union prevails,\nthen I will not be required to pay the Credit Union\xe2\x80\x99s attorneys\xe2\x80\x99 fees\nand cost.\nAny determination as to whether this Arbitration Agreement is\nvalid or enforceable in part or in its entirety will be made solely\nby the arbitrator, including without limitation any issues relating to\nwhether a Claim is subject to arbitration; provided, however, the\nenforceability of the Class Action Waiver set forth below shall be\ndetermined by the Court.\nE. Class Action Waiver. ANY ARBITRATION OF A CLAIM WILL\nBE ON AN INDIVIDUAL BASIS. I UNDERSTAND AND AGREE\nTHAT I AM WAIVING THE RIGHT TO PARTICIPATE AS A CLASS\nREPRESENTATIVE OR CLASS MEMBER IN A CLASS ACTION\nLAWSUIT.\nF. Severability. In the event the Class Action Waiver in this\nArbitration Agreement is found to be unenforceable for any\nreason, the remainder of this Arbitration Agreement shall also be\nunenforceable. If any provision in this Arbitration Agreement, other\nthan the Class Action Waiver, is found to be unenforceable, the\nremaining provisions shall remain fully enforceable.\nG. Survival. This Arbitration Agreement will survive termination of the\nAccount and/or this Agreement.\nH. Right to Opt-Out. I have the right to opt-out of this Arbitration\nAgreement, provided I notify you of my intent to do so within 60\ndays after it is provided to me. My opt-out is only effective if I notify\nyou in writing at Los Angeles Police Federal Credit Union, P.O. Box\n10188, Van Nuys, California 91410-0188 within such 60-day time\nperiod. If I fail to opt-out within this 60-day time, I will be deemed\nto have consented to the resolution of my Claims through binding\narbitration. In the event I opt-out, it shall not affect other terms\nand conditions of my Agreement or my relationship with the Credit\nUnion.\nI. Inapplicability to Covered Borrowers. This Arbitration Agreement\nwill not apply to the extent prohibited under the federal Military\nLending Act, such as if I am a \xe2\x80\x9ccovered borrower\xe2\x80\x9d under the\nMilitary Lending Act.\nJ. FOR MORE DETAILS or if I have questions, I may call the Credit\nUnion or visit a branch. If I have questions about AAA procedures,\nI should check AAA\xe2\x80\x99s website, www.adr.org, OR call AAA at (800)\n778-7879.\nMILITARY LENDING ACT (MLA) DISCLOSURE: Federal law\nprovides important protections to members of the Armed\nForces and their dependents relating to extensions of consumer\ncredit. In general, the cost of consumer credit to a member of\nthe Armed Forces and his or her dependent may not exceed an\nannual percentage rate of 36 percent. This rate must include,\nas applicable to the credit transaction or account: The cost\nassociated with credit insurance premiums; fees for ancillary\n\n2\n\n\x0cproducts sold in connection with the credit transaction; any\napplication fee charged (other than certain application fees for\nspecified credit transactions or accounts); and any participation\nfee charged (other than certain participation fees for a credit card\naccount). To hear this Military Lending Act disclosure and the\npayment obligations thereunder, I can call toll free at (877) MYLAPFCU (877-695-2732), option 4.\nAUTHORIZATION AND PAYMENT: I authorize you to pay and charge\nmy Account for all Purchases, Cash Advances and Balance Transfers\nmade or obtained by me or anyone I authorize to use my Card or\nAccount. I will be obligated to pay all such Purchases, Cash Advances\nand Balance Transfers charged to my Account whether resulting from:\n(1) actual use of my Card or Convenience Checks; (2) mail order or\ntelephone, computer, or other electronic Purchases made without\npresenting the Card; or (3) any other circumstance where I authorize a\ncharge, or authorize someone else to make a charge, to my Account\n(collectively, \xe2\x80\x9cauthorized charges\xe2\x80\x9d). I promise to pay you or to your\norder in U.S. Dollars with an instrument drawn on a financial institution\nin the United States at your office or at the address set forth on my\nperiodic statement all authorized charges on the terms and at the\nrates set forth herein, plus any FINANCE CHARGES assessed on my\nAccount, and any other charges and fees which I may owe you under\nthe terms of this Agreement (the \xe2\x80\x9cAccount Balance\xe2\x80\x9d). Payments will\ncontinue until I have paid in full the Account Balance. To protect me\nand you, you may, in your sole discretion, place a temporary hold on\nthe credit available to me any time you receive a payment of $1,000 or\nmore from me via a payment method other than cash, certified funds\nor electronic transfer. In such cases, the hold on my available credit\nwill remain in place until payment is actually collected by you.\nCHANGE OF TERMS: Account and agreement terms are not\nguaranteed for any period of time. I understand and agree that you\nmay amend, modify, add to, or delete from this Agreement any\nof its terms and conditions, including financial terms such as the\nmethod of application and the amount of any FINANCE CHARGE,\nANNUAL PERCENTAGE RATE, Monthly Periodic Rate and/or fee in\naccordance with applicable laws. If required by applicable law, you\nwill mail a notice of the change to me at my last known address. I also\nunderstand that in the event of a significant change, as defined under\nthe federal Truth in Lending Act, any such notice will be mailed at least\nforty-five (45) days prior to the effective date of the significant change\nas required by applicable law. If you are required by applicable law\nto provide me a right to reject significant changes to this Agreement\nprior to the effective date of such changes, you will provide me with\nan explanation of how to reject the significant changes, unless I fail\nto make a required minimum payment within sixty (60) days after its\ndue date. You may change the terms of this Agreement based on\ninformation in my credit report, market conditions, business strategy\nor for any other reason. Notice of a change in terms is required, but\nmay be sent as late as the effective date of the change where the\nchange has been agreed to in writing, by me.\nINTEREST RATES AND INTEREST CHARGES: I understand that a\nportion of my FINANCE CHARGES incurred during a billing cycle will\ninclude my INTEREST CHARGES incurred during that billing cycle.\nThe INTEREST CHARGE for a billing cycle will be calculated by\napplying my Monthly Periodic Rate to my Average Daily Balance. I\nunderstand and agree that under the \xe2\x80\x9cChange of Terms\xe2\x80\x9d section\nabove, you have the right in your sole and absolute discretion to\nchange the amount of any ANNUAL PERCENTAGE RATE, Monthly\nPeriodic Rate and/or INTEREST CHARGE that may apply to my\nAccount.\nMonthly Periodic INTEREST CHARGE, Monthly Periodic Rate, and\nANNUAL PERCENTAGE RATE: The initial Monthly Periodic Rate\nused in calculating the Monthly Periodic INTEREST CHARGE is a\ndiscounted Monthly Periodic Rate with an initial discounted ANNUAL\nPERCENTAGE RATE, as disclosed on the enclosed \xe2\x80\x9cAddendum\nto Classic VISA Credit Card Agreement & Federal Truth-in-Lending\n\n3\n\nsent as soon as you mail it. You consider an electronic notice sent\nas soon as you email it, unless you receive notification that the email\nwas undeliverable.\nDELAY IN ENFORCEMENT: You can delay enforcing any of your\nrights under this Agreement without losing them.\nGOVERNING LAW: I understand and agree that this Agreement is\nmade in California and shall be governed by the laws of the State\nof California to the extent that California law is not inconsistent with\ncontrolling federal law. I also understand and agree that California\xe2\x80\x99s\nchoice of law rules shall not be applied if they would result in the\napplication of non-California law.\nINTEGRATED DOCUMENT(S): Any separate sheet of paper labeled\n\xe2\x80\x9cAddendum to the Classic VISA Credit Card Agreement and Federal\nTruth in Lending Disclosure Statement\xe2\x80\x9d which is delivered together\nwith this form is an integral part of the Agreement and is incorporated\nherein as if set forth in full.\nMEMBERSHIP REQUIREMENT: I understand and agree that I must\nbe and remain a member in good standing with you to be eligible for\ncontinuing Account and/or Card privileges including future Purchases,\nAdvances and Balance Transfers. I understand and agree that you\nmay suspend the Account and/or Card privileges during any period in\nwhich I do not maintain my membership in good standing with you.\nTERMINATION: You may terminate this Agreement upon my default.\nEither you or I may terminate this Agreement for other good cause.\nIn no event shall any termination relieve me of my obligation to repay\nsums already borrowed, FINANCE CHARGES, Late Payment Fees,\nand all other fees and charges hereunder, if any. I agree to return all of\nthe Cards issued to me or any party designated by me.\nCREDIT INFORMATION: I authorize you to investigate my credit\nwhen opening, renewing or reviewing the Account, and I authorize\nyou to disclose information regarding the Account to credit bureaus\nand other creditors who inquire of you about my credit standing to\nthe extent authorized by law. I understand that you may provide\ninformation to credit bureaus about negative information concerning\nmy Account (such as my insolvency, delinquency, late payment\nor default on my Account) which the credit bureaus may include in\nmy credit report. If I think you have given incorrect information to a\nconsumer reporting agency about me, I may contact you at (877)\n695-2732 and you will research it. You will let me know if you agree\nor disagree with me. If you agree with me, you will contact each\nconsumer reporting agency you reported to and request a correction.\nCHANGE OF NAME, ADDRESS, EMPLOYMENT STATUS: I\nunderstand and agree that I must report to you any change in my\nname, address, employment status, or any other information that may\nnegatively affect my creditworthiness.\nACCURACY OF INFORMATION: The information provided in my\nrequest for credit (Application) is accurate and I will notify you in\nwriting immediately if there is a change in my financial condition.\nYou may retain the Application. I understand that it is a violation of\nSection 1014, Title 18, US Code to make false statements or over\nvalue security for the purpose of influencing the action of any federally\ninsured credit union. You may gather credit and/or employment\ninformation you deem necessary and appropriate from time to time,\nin accordance with applicable laws, and you may give information\nconcerning your credit experience with me to others.\nCOPY RECEIVED: I acknowledge receipt of a copy of this Agreement\nand agree to its terms. This Agreement is the contract which applies\nto all transactions on the Account even though the sales, Cash\nAdvance, credit or other slips I sign or receive may contain different\nterms. I understand and agree that all of those who apply for and who\nsign for or use the Card or the Account agree to and accept the terms\nand conditions of this Agreement.\nNOTICE: See the statement below for important information regarding\nmy right to dispute billing errors.\n\n12\n\n\x0cIf this is a joint account, neither party can be released from his or her\nobligations except upon your approval.\n\nDisclosure Statement\xe2\x80\x9d (\xe2\x80\x9cAddendum\xe2\x80\x9d). The initial discounted Monthly\nPeriodic Rate will remain in effect during my first six (6) monthly billing\n\nSIGNATURE REQUIREMENT: In order for my Card to be valid, I must\nactivate and sign the Card as soon as I receive it. However, my liability\ndoes not depend on whether or not I sign my Card.\n\ncycles unless I fail to make a payment when due or I make a payment\n\nCONSUMER PURPOSES: I may use my Account only for personal,\nfamily or household uses; I may not use the Account for business\npurposes. If I do use my Account for business purposes, this\nAgreement still applies and I must pay you for those Transactions.\nYou may close my Account if you learn that I am using it for business\npurposes.\nMOBILE PHONES OR OTHER DEVICES: Smart phones, tablets and\nother electronic devices can store my Card (such as through a mobile\nwallet). This means they can be used to make Purchases or other\nTransactions. Any such Transactions are covered by this Agreement.\nApps that use my Card to make Transactions may have separate\nterms of use. You are not responsible if I violate those terms, or for\nany consequences resulting from any violation. When my Account is\naccessible by my mobile device, it is important that I treat my mobile\ndevice with the same care I would the Card. For example, I should\nsecure my mobile device against unauthorized access. Additionally,\nif I give someone my phone, or other mobile device, that can be the\nsame as giving that person my Card.\nCHANGING BENEFITS: You reserve the right to change or discontinue\nany benefit, rewards program, service or feature offered in connection\nwith my Account, at any time and for any reason.\nCONTACTING YOU: I agree that you (and/or your authorized\nagents) may contact me in order to service my account or to collect\nany amounts I owe at any phone number, email address or mailing\naddress I provide. This includes communications to mobile, cellular/\nwireless, or similar devices. You may contact me by live operator,\nauto-dialer, prerecorded or artificial voice, text or email. I agree to pay\nany charges assessed by my plan provider for communications you\nsend to me, as well as communications I send to you.\nCALL MONITORING: You may listen to and record telephone calls\nbetween me and you to monitor and improve the quality of service I\nreceive.\nSUSPICIOUS ACTIVITY: The Credit Union is committed to keeping\nmy financial transactions as secure as possible. You use a credit card\nfraud detection system designed using neural network technology\nthat tracks my credit card purchase patterns. The system analyzes\nauthorization requests for my Card in real time and compares them\nto my purchase history as well as current fraud trends. If you detect\nunusual transaction patterns, you can take action to reduce the\npotential for fraud, including but not limited to suspending credit\nprivileges. As my profile and transactions change over time, the\nsystem updates its files. You reserve the right to identify Transactions\nas unauthorized or fraudulent and subsequently to decline those\nTransactions. You are not responsible for any loss or damage arising\nout of any declined Transaction.\nMERCHANT FEES: Some merchants, including merchants outside\nthe U.S., may charge me a fee to use my Card for a Purchase. The fee\nmay be either a percentage of the amount of my Purchase or a flat fee,\nand will be added to the amount of my Purchase. Usually, a merchant\nwill tell me about this fee before I use my Card, but not always. You\ndo not control these fees and cannot prevent them.\n\nthat is returned (for further information, please refer to the PENALTY\nANNUAL PERCENTAGE RATE section below). Thereafter, the\nMonthly Periodic Rate used in calculating the Monthly Periodic\nINTEREST CHARGE and the corresponding ANNUAL PERCENTAGE\nRATE are disclosed on the enclosed Addendum. The Monthly Periodic\nINTEREST CHARGE is imposed as follows:\nCash Advances: Periodic INTEREST CHARGES will be imposed on\nCash Advances that I obtain through the use of my Card as of the date\nof each such Cash Advance and will continue to accrue until the Cash\nAdvance is repaid.\nCredit Purchases of Goods and Services: If a Grace Period applies,\nperiodic INTEREST CHARGES will be imposed on credit purchases\nonly if they are not paid in full within twenty-five (25) days after the\nStatement Closing Date (\xe2\x80\x9cGrace Period\xe2\x80\x9d) each and every billing cycle.\nTo the extent that a credit purchase is not subject to a Grace Period, a\nperiodic INTEREST CHARGE will be calculated on credit purchases\nthat I obtain with my Card as of the date such credit purchase is\nposted to my Account and will continue to accrue until the date of\nrepayment.\nBalance Transfers: Periodic INTEREST CHARGES will be imposed on\nbalance transfers only if they are not paid in full within twenty-five (25)\ndays after the Statement Closing Date (\xe2\x80\x9cGrace Period\xe2\x80\x9d). To the extent\nthat a balance transfer is not subject to a Grace Period, a periodic\nINTEREST CHARGE will be calculated on balance transfers that I\nobtain with my Card as of the date such balance transfer is posted to\nmy Account and will continue to accrue until the date of repayment.\nMINIMUM INTEREST CHARGE: A minimum INTEREST CHARGE\nof $0.50 will be assessed whenever a Monthly Periodic INTEREST\nCHARGE is imposed. The Monthly Periodic INTEREST CHARGE\nfor each billing cycle will be calculated by applying the Average\nDaily Balance (described below) for the billing cycle by the Monthly\nPeriodic Rate. The Monthly Periodic Rate is determined by dividing\nthe ANNUAL PERCENTAGE RATE by 12.\nTRANSACTION FEES: I understand that, in addition to INTEREST\nCHARGES incurred during a billing cycle another portion of my\nFINANCE CHARGES incurred during a billing cycle may include\nTRANSACTION FEES incurred during that billing cycle. My\nTRANSACTION FEES for a billing cycle will be the sum of two (2)\ncomponents set forth below, each of which is a FINANCE CHARGE.\nI understand and agree that under the \xe2\x80\x9cChange of Terms\xe2\x80\x9d section\nabove, you have the right in your sole and absolute discretion to\nchange the amount of any TRANSACTION FEE that may apply to\nmy Account.\nCash Advance Fee: One (1) component of the TRANSACTION FEE\nis the Cash Advance Fee. Cash Advance transactions are subject to\na Cash Advance Fee which shall be the greater of $2.00 or 2% of\nthe amount of the Advance which is posted to the Account during\nthe billing cycle, but not to exceed $25.00 per Cash Advance. In\naddition, a Cash Advance Fee may not cause the FINANCE CHARGE\nto exceed the maximum rate permitted for a federal credit union. Cash\nAdvances are subject to the Monthly Periodic Rate (see below) during\nthe billing cycle in which the Cash Advance Fee is imposed.\n\nNOTICES: You will send any notices to my billing address, or, if I\nhave agreed to receive notices from you in an electronic format, you\nwill send notices to me in an electronic form. You consider a notice\n\nForeign Transactions Fee: The second (2nd) component of the\nTRANSACTION FEE is the Foreign Transactions Fee. Purchases,\nCash Advances, and credit transactions made in foreign currencies\nare subject to a Foreign Transactions Fee of 1.0% of the amount of\nthe Purchase, Cash Advance, or credit transaction which is posted\nto the Account during the billing cycle. International Purchases,\nCash Advances, and credit transactions that are not made in foreign\ncurrencies are subject to a Foreign Transactions Fee of .8% of\nthe amount of the Purchase, Cash Advance, or credit transaction\nwhich is posted to the Account during the billing cycle. The above\n\n11\n\n4\n\nRECURRING AUTHORIZED TRANSACTIONS: If I authorize a\nmerchant or any other person to charge my Account for recurring\nTransactions, I must notify the merchant if: (a) I want to discontinue\nthese Transactions; (b) my Account is closed; (c) my Account number\nchanges; or (d) my Card expiration date changes. I am responsible for\nreinstating any recurring authorized Transactions.\n\n\x0cTRANSACTION FEES and other fees for the billing cycle will be shown\non my periodic statement.\nPENALTY ANNUAL PERCENTAGE RATE: A penalty ANNUAL\nPERCENTAGE RATE of 17.90% (corresponding Monthly Periodic\nRate of 1.492%) may be applied to my Account Balance if I fail to\nmake a payment when due or I make a payment that is returned. You\nwill provide me notice of such penalty ANNUAL PERCENTAGE RATE\nat least forty-five (45) days prior to the effective date of the penalty\nANNUAL PERCENTAGE RATE and such notice will inform me which\nfuture transactions and/or outstanding balances are subject to the\npenalty ANNUAL PERCENTAGE RATE.\nGenerally, the penalty ANNUAL PERCENTAGE RATE will apply to\nfuture transactions that occur more than fourteen (14) days after\nyou provide me notice of the penalty ANNUAL PERCENTAGE\nRATE and my ANNUAL PERCENTAGE RATE will revert to the\napplicable \xe2\x80\x9cstandard\xe2\x80\x9d ANNUAL PERCENTAGE RATE provided for in\nthis Agreement, provided that I make six (6) consecutive Minimum\nMonthly Payments when due beginning with the first (1st) payment\ndue after the effective date of the increase.\nHowever, if I fail to make a Minimum Monthly Payment within sixty (60)\ndays after its Payment Due Date, the penalty ANNUAL PERCENTAGE\nRATE will apply to all outstanding balances and future transactions.\nIn such event, my ANNUAL PERCENTAGE RATE will cease applying\nto transactions that occurred prior to or within fourteen (14) days of\nprovision of the notice and will revert to the applicable \xe2\x80\x9cstandard\xe2\x80\x9d\nANNUAL PERCENTAGE RATE set forth above, provided that I make\nsix (6) consecutive Minimum Monthly Payments when due beginning\nwith the first (1st) payment due after the effective date of the increase.\nHOW TO COMPUTE THE CASH ADVANCES BALANCE\n(CONSISTING OF TRANSACTIONS RELATED TO CASH AND\nOTHER ADVANCE TRANSACTIONS) UPON WHICH PERIODIC\nFINANCE CHARGES ARE ASSESSED:\nAverage Daily Balance (including current Cash Advance transactions):\nYou figure a portion of the FINANCE CHARGE on my Account by\napplying the Cash Advance Monthly Periodic Rate to the Average\nDaily Balance of Cash Advances (including current Cash Advances).\nTo get the Average Daily Balance of Cash Advance transactions you\ntake the beginning balance of Cash Advance transactions on my\nAccount each day, add any new Cash Advances, and subtract any\npayments or credits, and unpaid INTEREST CHARGES and other\nFINANCE CHARGES. This gives you the daily balance of Cash\nAdvance transactions. Then, you add up all the daily balances of Cash\nAdvance transactions for the billing cycle and divide the total by the\nnumber of days in the billing cycle. This gives you the Average Daily\nBalance of Cash Advance transactions.\nHOW TO COMPUTE THE PURCHASE BALANCE (CONSISTING\nOF TRANSACTIONS RELATED TO PURCHASES OF GOODS AND\nSERVICES) UPON WHICH PERIODIC FINANCE CHARGES ARE\nASSESSED:\nAverage Daily Balance (including current Purchase transactions):\nYou figure a portion of the INTEREST CHARGE on my Account by\napplying the Purchase Monthly Periodic Rate to the Average Daily\nBalance of Credit Purchases (including current Purchase transactions).\nTo get the Average Daily Balance of Purchase transactions you take\nthe beginning balance of Purchase transactions on my Account each\nday, add any new Purchases, and subtract any payments or credits,\nand unpaid INTEREST CHARGES and other FINANCE CHARGES.\nThis gives you the daily balance of Purchase transactions. Then, you\nadd up all the daily balances of Purchase transactions for the billing\ncycle and divide the total by the number of days in the billing cycle.\nThis gives you the Average Daily Balance of Purchase transactions.\nAverage Daily Balance (including current Balance Transfer\ntransactions): You figure a portion of the INTEREST CHARGE on\nmy Account by applying the Balance Transfer Monthly Periodic Rate\nto the Average Daily Balance of Balance Transfers (including current\n\n5\n\nterminal to honor the Account and/or Card. You are subject to claims\nand defenses (other than tort claims) arising out of goods or services\nI purchase with the Card only if I have made a good faith attempt\nbut have been unable to obtain satisfaction from the plan merchant,\nand: (a) my purchase was made in response to an advertisement you\nsent or participated in sending me; or (b) my purchase cost more than\n$50.00 and was made from a plan merchant in my state or within 100\nmiles of my current mailing address. Any other dispute I must resolve\ndirectly with the plan merchant.\nRETURNS AND ADJUSTMENTS: If a merchant discloses a policy\nsuch 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 I will be bound\nby that policy when I use my Card to buy goods or services from\nthat merchant. Merchants and others who honor the Account and/or\nCard may give credit for returns or adjustments, and they will do so\nby sending you a credit slip which you will post to my Account. If my\ncredits and payments exceed what I owe you, you will hold and apply\nthis credit balance against future Purchases, Advances and Balance\nTransfers or if it is $1.00 or more, refund it on my written request or\nautomatically after six (6) months.\nUNAUTHORIZED USE: If I notice the loss or theft of my Card\nor a possible unauthorized use of my Card, I should write to you\nimmediately at: P. O. Box 10188, Van Nuys, California 91410-0188,\nor call you at (877) 695-2732. I will not be liable for any unauthorized\nuse that occurs after I notify you. I may, however, be liable for\nunauthorized use that occurs before my notice to you. In any case,\nmy liability will not exceed $50. My liability may be zero ($0) in cases\nof VISA Credit Card fraud in accordance with current VISA U.S.A., Inc.\nOperating Regulations. I agree that in the event of a lost, stolen, not\nreceived, or counterfeited card, or fraudulent activity on my Account,\nI and all parties given access to the Account will complete an affidavit\nof forgery in a form approved by you, when applicable. I also agree to\nassist you in determining the facts, circumstances, and other pertinent\ninformation related to any loss, theft or possible unauthorized use\nof my Card, Account number or PIN and to comply with such other\nprocedures as you may require in connection with your investigation.\nSURRENDER OF CARD(S): The Card(s) remains your property and,\nif you request, I must surrender to you all Cards you have issued on\nthe Account.\nLOST OR STOLEN CARD(S) NOTIFICATION AND LIABILITY: I will\nnotify you AT ONCE by immediately calling you at (866) 604-0381\nor, if I am outside the U.S., call collect at (727) 570-4881 if I believe\nthat the Card, Account number, PIN or any combination of the three\nhas been lost or stolen. Telephoning is the best way of keeping my\npossible losses down. I understand that my total liability to you shall\nnot exceed $50.00 for any Account and/or Card transactions resulting\nfrom the loss, theft or unauthorized use of the Account and/or Card\nthat occurs prior to the time I give notice to you. Such liability does not\napply when the Account and/or Card is used to make an electronic\ntransfer.\nPAYMENTS MARKED \xe2\x80\x9cPAID IN FULL\xe2\x80\x9d: You may accept checks,\nmoney orders, or other types of payment marked \xe2\x80\x9cpayment in full\xe2\x80\x9d\nor using other language to indicate full satisfaction of indebtedness,\nwithout being bound by such language or waiving any rights under\nthis Agreement. Full satisfaction of indebtedness shall be accepted by\nyou only in written agreement, signed by an authorized representative\nof the Credit Union.\nJOINT ACCOUNTS: If this is a joint Account, each of us will be\nindividually and jointly responsible for paying all amounts owed\nunder this Agreement. This means that you can require any one of\nus individually to repay the Account Balance. Each of us authorizes\nthe other to make Transactions individually. Any one of us may close\nthe Account and such closure will be effective as to all of us. We\nagree that all notices regarding the Account may be sent solely to the\ncardholder whose name and address appears on our billing records.\n\n10\n\n\x0csufficient available credit. Occasionally for security reasons, you may\nblock usage of my Card and/or Account in certain foreign countries\nor geographical areas. You will not be liable to me if any of these\nevents happen. My Card and/or Account may not be used directly or\nindirectly for: (1) any illegal activity or transaction including, without\nlimitation any \xe2\x80\x9cracketeering activity\xe2\x80\x9d as defined in 18 U.S.C. \xc2\xa7 1961;\nor (2) any gambling, gaming, betting or similar activity or transaction.\nFurther, I may not utilize my Card and/or Account for the purchase of\nany goods or services on the Internet that involve gambling, betting or\nany similar activity or transaction. Such transactions include, but may\nnot be limited to, any quasi-cash or online gambling transaction, any\nelectronic commerce transaction conducted over an open network,\nand any betting transaction including the purchase of lottery tickets\nor casino gaming chips or off-track betting or wagering. However, in\nthe event that a charge or transaction described in this paragraph is\napproved and processed, I will still be responsible for such charges.\n\nBalance Transfers). To get the Average Daily Balance of Balance\nTransfer transactions you take the beginning balance of Balance\nTransfer transactions on my Account each day, add any new Balance\nTransfer transactions, and subtract any payments or credits, and\nunpaid INTEREST CHARGES and other FINANCE CHARGES. This\ngives you the daily balance of Balance Transfer transactions. Then,\nyou add up all the daily balances of Balance Transfer transactions\nfor the billing cycle and divide the total by the number of days in the\nbilling cycle. This gives you the Average Daily Balance of Balance\nTransfer transactions.\n\nFOREIGN TRANSACTIONS: Purchases, Cash Advances and credits\nmade in foreign currencies will be billed to my Account in U.S. dollars.\nThe conversion to U.S. dollars will be made in accordance with\nthe VISA operating regulations for international transactions. Such\nregulations provide for either a .8% currency exchange fee for single\ncurrency transactions (transactions made internationally without a\ncurrency conversion) or 1% currency exchange fee for multicurrency\ninternational transactions (transactions made internationally that\nrequire a currency conversion), which is added to the amount of the\nPurchase, Cash Advance, or credit and retained by VISA. Transactions\nconducted in U.S. military bases, territories, embassies, or consulates\nare not considered international transactions and will not be subject\nto the .8% currency exchange fee. The exchange rate between the\ntransaction currency and the billing currency used for processing\ninternational transactions is a rate selected by VISA from the range\nof rates available in wholesale currency markets for the applicable\ncentral processing date, which rate may vary from the rate VISA itself\nreceives, or the government-mandated rate in effect for the applicable\ncentral processing date. The conversion rate may be different than\nthe rate on the day of the transaction or date of the posting of the\nAccount. When a credit to the Account does not fully offset a charge\nto the Account due to changes in the rate, I am responsible for the\ndifferences.\n\nGRACE PERIOD: I will not pay any interest on Purchases or\nBalance Transfers if I pay the entire New Balance, including any Cash\nAdvances, in full by the Payment Due Date shown on my monthly\nstatement each and every billing cycle. Generally, I will have at least a\ntwenty-five (25) day Grace Period from the close of each billing cycle\nto pay the entire New Balance without incurring additional interest on\nPurchases or Balance Transfers. The Payment Due Date disclosed on\neach monthly statement provided to me is the last day of my Grace\nPeriod for that statement\xe2\x80\x99s billing cycle. If I do not pay the entire New\nBalance, including any Cash Advances, in full by the Payment Due\nDate in a billing cycle, I will pay interest on my Purchases and Balance\nTransfers from the date they are posted to my account. I also will not\nhave a Grace Period on Purchases or Balance Transfers again until I\npay the entire New Balance in full by the Payment Due Date two (2)\nbilling cycles in a row.\n\nRESPONSIBILITY: I agree to repay you according to the terms of\nthis Agreement for all Purchases, Advances, Balance Transfers,\nINTEREST CHARGES, TRANSACTION FEES, and other FINANCE\nCHARGES, Late Payment Fees, and all other fees and charges, if any,\narising from the use of the Card and/or Account by me or any other\nperson I permit to use the Account, even if that person exceeds my\npermission. I cannot disclaim responsibility by notifying you, although\nyou will close the Account if I so request and I will return all Cards to\nyou and I will repay the unpaid balance to you. My obligation to pay\nthe Account balance continues even though an agreement, divorce\ndecree or other court judgment to which you are not a party may\ndirect me or one of the other persons responsible to pay the Account.\nAny person using the Account and/or Card is jointly and severally\nresponsible with me for charges he or she makes, but if that person\nsigns the Card he or she becomes a party to this Agreement and is\nalso responsible for all charges on the Account, including mine. The\nCards remain your property and I must recover and surrender to you\nall Cards upon your request and/or upon termination of this Account.\nTRANSACTION SLIPS: My periodic statement will identify the\nmerchant, electronic terminal or financial institution at which\ntransactions were made, but sales, Cash Advances, credit or other\nslips cannot be returned with the periodic statement. I will retain the\ncopy of such slips furnished at the time of the transaction in order to\nverify my periodic statement. You may assess a reasonable fee for any\nphotocopies or slips I request.\nPLAN MERCHANT DISPUTES: You are not responsible for the\nrefusal of any plan merchant or financial institution or electronic\n\n9\n\nThis determines my total periodic INTEREST CHARGES for the\nbilling cycle. Actual periodic INTEREST CHARGES will be shown\non my periodic statement. The combination of periodic INTEREST\nCHARGES, Cash Advance Fee and Foreign Transactions Fee, will\nnot exceed the ANNUAL PERCENTAGE RATE permitted under\napplicable law.\n\nCash Advances do not have a Grace Period, as they are subject to\nINTEREST CHARGES from the date the transaction posts to my\naccount.\nCREDIT LIMIT: You will establish a Credit Limit for me. At your\ndiscretion, you may increase or decrease my Credit Limit at any\ntime, and may provide separate limits for Purchases, Cash Advances\nand Balance Transfers. You will notify me if you do, either by mail or\nthrough my periodic statement. If I object to any Credit Limit increase,\nI must notify you immediately in writing. Upon receipt of such notice,\nmy Credit Limit will be reduced to its prior limit, however, I will be\nresponsible to pay any amounts by which I have exceeded the\nreduced limit. I agree not to allow my Account Balance to exceed\nmy Credit Limit. I agree to advise you of any change in my financial\ncondition which may affect my creditworthiness. I agree to update the\ncredit information that I have provided you, from time to time, on your\ndemand. I or my joint applicant for the Account may request a change\nto the Credit Limit orally, in writing, or electronically, but any such\nrequest must be approved by you. If my Credit Limit is increased, I am\nimmediately responsible for the new Credit Limit and any increase in\nthe Account Balance even when it differs from an amount previously\nagreed to orally or in writing.\nMINIMUM MONTHLY PAYMENT: Every month, I must pay at least\nthe Minimum monthly payment by the Payment Due Date shown on\nmy periodic statement. By separate agreement, I may authorize you\nto automatically transfer the Minimum monthly payment from my\nCredit Union share or share draft account. I may, of course, pay more\nfrequently, pay more, or pay the Account Balance in full, and I will\nreduce my periodic FINANCE CHARGE by doing so. The Minimum\nmonthly payment will be either: (a) 2% of my Account Balance, or $20,\nwhichever is greater; or (b) my Account Balance, if it is less than $20.\nIn addition, I must pay any amount on my periodic statement listed\nas past due and any late charge. At any time my Account Balance\nexceeds my Credit Limit, I must pay the excess.\nThe \xe2\x80\x9cPayment Due Date\xe2\x80\x9d will be shown on my periodic statement.\n\n6\n\n\x0cI understand and agree that any Minimum Monthly Payment made by\nme will be applied in the following order: (a) unpaid fees and charges,\nif any; (b) unpaid periodic INTEREST CHARGES, TRANSACTION\nFEES, and other FINANCE CHARGES due on Purchases, Cash\nAdvances and Balance Transfers; (c) outstanding balances of Balance\nTransfers, Cash Advances and Purchases previously billed; and\n(d) current Balance Transfers, Cash Advances and Purchases. Any\npayment I make in excess of the Minimum Monthly Payment will be\napplied to my balances subject to the highest ANNUAL PERCENTAGE\nRATE first, then to balances subject to lower ANNUAL PERCENTAGE\nRATES, in descending order of ANNUAL PERCENTAGE RATES until\nall balances subject to an ANNUAL PERCENTAGE RATE are paid in\nfull. Thereafter, you will apply all payments in excess of the Minimum\nMonthly Payment, if applicable, in the same order as you apply the\nMinimum Monthly Payment.\nLATE PAYMENT FEE: If you have not received my Minimum Monthly\nPayment within ten (10) days after the \xe2\x80\x9cPayment Due Date\xe2\x80\x9d listed on\nmy periodic statement, I agree to pay a Late Payment Fee as set forth\nin the enclosed Schedule of Fees which accompanies this Agreement\nand is incorporated by reference herein as though set forth in full.\nRETURNED PAYMENT FEE: If a payment that was applied to my\nAccount is returned to you unpaid for any reason I agree to pay a\nReturned Payment Fee as set forth in the enclosed Schedule of Fees.\nThis fee will also apply to any payments made by automatic transfer\nthat cannot be posted due to insufficient funds in my regular share or\nchecking account.\nCASH ADVANCE FEE: For each Cash Advance, a Cash Advance Fee\nof either $2 or 2% of the amount of the Advance will be charged,\nwhichever is greater, subject to a maximum fee of $25 for each\nCash Advance transaction. Cash Advance transactions include ATM\nwithdrawals, online funds transfers, telephonic funds transfers, and\nin person Cash Advances at a financial institution\xe2\x80\x99s branch from the\nAccount.\nBALANCE TRANSFER: I understand that I can request a Balance\nTransfer transaction, which allows me to pay a portion or the entire\nbalance of a credit card account I maintain with another institution.\nAny request I make for a Balance Transfer is subject to your approval,\nbased on my Credit Limit, my creditworthiness, and my good standing\nas a member.\nCREDIT LIFE AND/OR DISABILITY INSURANCE: The purchase of\nthis insurance is entirely voluntary and is not a factor in the approval\nof the extension of credit. If credit life and/or disability insurance is\navailable to me on the Account, and I request it by completing the\nCredit Insurance Application/Schedule which contains current rates\nand qualifying information, the premium will be calculated monthly\nby multiplying the premium rate by the outstanding balance on the\nAccount. You will add the premium amount to my Account Balance on\neach Billing Cycle Close Date. I acknowledge receiving a copy of the\nCredit Insurance Application/Schedule.\n\nbe made if there are insufficient or uncollected funds in the designated\naccount to make the scheduled payment. Should this event occur,\nI understand and agree that I will not be released from making the\npayment. Any automatic transfer I have requested will remain in effect\nuntil I cancel it in writing or the Account Balance is paid in full. My\nwritten notice to cancel must be received by you, at PO BOX 10188,\nVan Nuys, CA 91410-0188, at least three (3) business days before the\nautomatic transfer is scheduled to occur. You may cancel this service\nat your discretion.\nDEFAULT: I will be in default if: (1) I do not pay on time or in the proper\namount(s); (2) I have made a false or misleading statement on my\napplication; (3) I fail to live up to any of the terms of this Agreement; (4)\nmy creditworthiness is impaired; or (5) I die, become insolvent or am\nthe subject of bankruptcy or receivership proceedings. In the event of\nany action by you to enforce this Agreement, I agree to pay the costs\nthereof, including reasonable attorneys\xe2\x80\x99 fees, and other expenses. I\nunderstand and agree that INTEREST CHARGES at the ANNUAL\nPERCENTAGE RATE as permitted under this Agreement will continue\nto accrue until I repay my entire Account Balance.\nACCELERATION AND COLLECTION COSTS: Upon my default,\nI understand and agree that you have the right to temporarily or\npermanently suspend any and all Account and Card privileges and/or\nyou may demand immediate payment of the Account Balance,\nincluding INTEREST CHARGES, TRANSACTION FEES, and other\nFINANCE CHARGES, Late Payment Fees, and your collection costs,\nreasonable attorneys\xe2\x80\x99 fees, and court costs (collectively \xe2\x80\x9ccollection\nrelated charges\xe2\x80\x9d), and all other fees and charges hereunder. I\nunderstand and agree that I will be subject to INTEREST CHARGES\n(at the applicable Monthly Periodic Rate), TRANSACTION FEES, and\nother FINANCE CHARGES, Late Payment Fees, collection-related\ncharges, and all other fees and charges under the terms disclosed in\nthis Agreement, until I repay my entire Account Balance. In the event\nof any action by you to enforce this Agreement, I agree to pay the\ncosts thereof, reasonable attorneys\xe2\x80\x99 fees, and other expenses.\nELECTRONIC FUND TRANSFER: In the event the use of the Card,\nthe Account or the Account number of the Card constitutes an\nElectronic Fund Transfer, the terms and conditions of my Electronic\nFund Transfer Agreement with you shall govern such transactions\nto the extent the Electronic Fund Transfer Agreement expands or\namends this Agreement.\nPURCHASES, ADVANCES and BALANCE TRANSFERS: I may make\nPurchases, Balance Transfers and request Advances in accordance\nwith then current loan policies up to my Credit Limit. I understand and\nagree that all purchases and other transactions requested by me or\nanyone I have permitted to use the Card(s) and/or Account are subject\nto your approval.\n\nPAYMENTS BY AUTOMATIC TRANSFER: If I request payment by\nautomatic transfer, I understand and agree that no payment can or will\n\nUSING THE CARD: To make a Purchase or obtain an Advance, I\nmay present the Card or Card number to a participating VISA plan\nmerchant, to you or to another financial institution that accepts Classic\nVISA Credit Cards and sign or authorize a sales or Cash Advance\ndraft. Certain purchases, Cash Advances and Balance Transfers will\nrequire an authorization prior to completion of the transaction. In some\ncases, I may be asked to provide identification. If I have received a\npersonal identification number (\xe2\x80\x9cPIN\xe2\x80\x9d), I may also use my Card and\nPIN to obtain Cash Advances at any Automatic Teller Machine (\xe2\x80\x9cATM\xe2\x80\x9d)\nthat accepts my Card or other type of electronic terminal that provides\naccess to the VISA system. (Not all ATMs accept Classic VISA\nCredit Cards.) My PIN is confidential and should not be disclosed\nto anyone. I agree not to write my PIN on my Card, I will not keep\nmy Card and PIN together, and I will not provide my PIN to anyone\nwho is not an authorized user. Advances through ATM access will be\ntreated as Cash Advances. Advances at authorized ATMs are limited\nto a total of $700.00 per day. I may also provide my Card number\nverbally, electronically, or in writing to a merchant to complete a mail,\nelectronic or telephone transaction. If your authorized system is not\nworking, I may not be able to authorize a transaction, even if I have\n\n7\n\n8\n\nPREPAYMENT OR IRREGULAR PAYMENTS: Though I need only\npay the Minimum Monthly Payment, I understand that I have the\nright to repay my Account Balance at any time without penalty. I also\nunderstand and agree that I will only be charged periodic INTEREST\nCHARGES to the date I repay my entire Account Balance. I may make\nlarger payments without penalty and this may reduce the total amount\nof periodic INTEREST CHARGES that I will repay. If I pay more\nthan the Minimum Monthly Payment in any month and there is still\na balance due, I must continue to make Minimum Monthly Payments\nin future months. Any partial payment of my Account Balance will not\nadvance my next payment due date(s). I understand and agree that\nany payment that: (a) delays or (b) accelerates the repayment of my\nAccount Balance will: (a) increase or (b) decrease my Monthly Periodic\nINTEREST CHARGE.\n\n\x0c'


b'ADDENDUM TO CLASSIC VISA\xc2\xae CREDIT CARD\nAGREEMENT & FEDERAL TRUTH-IN-LENDING\nDISCLOSURE STATEMENT\nRetain for your records\n\nInterest Rates &\nInterest Charges\n\nClassic\n\n0.00% introductory APR for six months.\nAfter that, my APR will be 16.99%\nAPR for Cash Advances 0.00% introductory APR for six months.\nAfter that, my APR will be 16.99%\nAPR for Balance Transfers 0.00% introductory APR for six months.\nAfter that, my APR will be 16.99%\nAnnual Percentage Rate\n(APR) for Purchases\n\nPenalty APR and When it\nApplies\n\nPaying Interest\n\n17.90%\n\nThis APR may be applied to my account if I:\n\t\t 1) Make a late payment, or\n\t\t 2) Make a payment that is returned.\nHow Long Will the Penalty APR Apply? If my APR is\nincreased for any of these reasons, the Penalty APR will apply\nuntil I make six consecutive minimum payments when due.\nMy due date is at least 25 days after the close of each billing\ncycle. You will not charge me interest on purchases or balance\ntransfers if I pay my entire balance by the due date each month.\nYou will begin charging interest on cash advances on the\ntransaction date.\n\nFor Credit Card Tips from To learn more about factors when applying for or using a credit card,\nthe Consumer Financial visit the website of the Consumer Financial Protection Bureau at\nProtection Bureau\nhttp://www.consumerfinance.gov/learnmore\nFees\nAnnual Fee\nTransaction Fees\n\xe2\x80\xa2 Balance Transfers\n\xe2\x80\xa2 Cash Advance\n\nNone\nNone\nEither $2.00 or 2% of the amount of cash advance, whichever is\ngreater (maximum fee: $25.00).\n\n\xe2\x80\xa2 Foreign Transactions 1.0% of each foreign transaction in non-U.S. currency\n0.8% of each foreign transaction in U.S. dollars\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n$15.00\n\xe2\x80\xa2 Returned Payment\n$25.00\nHow You Will Calculate My Balance: You will use a method called \xe2\x80\x9caverage daily balance\n(including new purchases).\xe2\x80\x9d I must see my account agreement for more details.\nLoss of Introductory APR: You may end my introductory APR and apply the Penalty APR\nif I make a late payment.\nBilling Rights: Information on my rights to dispute transactions and how to exercise those\nrights is provided in my account agreement.\n\nC-678C (11/19)\n\nPAGE 1\n\n1001550\n\n\x0cADDENDUM TO CLASSIC VISA\xc2\xae CREDIT CARD\nAGREEMENT & FEDERAL TRUTH-IN-LENDING\nDISCLOSURE STATEMENT\nRetain for your records\n\nAs of June 1, 2014, the non-variable Monthly Periodic Rate for purchases, balance\ntransfers, and cash advances in effect for your Classic VISA\xc2\xae Credit Card is 1.4158%\nwith a corresponding ANNUAL PERCENTAGE RATE of\n\n16.99%.\n\nNOTE: Recently opened Classic VISA Credit Card Accounts continue to be subject to\n\xc2\xae\n\nthe introductory Monthly Periodic Rate of\nPERCENTAGE RATE of\n\n0.00% with a corresponding ANNUAL\n\n0.00% as disclosed in the Classic VISA\n\n\xc2\xae\n\nCredit Card\n\nAccount Agreement and Federal Disclosure Statement during the first six (6) monthly\nbilling cycles after the account is established. Thereafter, the ANNUAL PERCENTAGE\nRATE will convert to the non-variable rate disclosed above.\n\nLOS ANGELES POLICE FEDERAL CREDIT UNION\nSCHEDULE OF FEES\nEFFECTIVE JUNE 1, 2014\n\nCLASSIC VISA\xc2\xae CREDIT CARD ACCOUNTS\n\nAnnual Fee\x08\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbd\xef\xbf\xbdNone\nLate Payment Fee..................................................................................................................$15.00\nCLASSIC VISA\xc2\xae Credit Card Loan Check stop payment (per item)...........................................$20.00\nCLASSIC VISA\xc2\xae Credit Card Returned Payment Fee (per item)................................................$25.00\nCLASSIC VISA\xc2\xae Credit Card Statement copy (per copy)............................................................$5.00\nThank you for being partners in a proud traditionsm.\n\nC-678C (11/19)\n\nPAGE 2\n\n1001550\n\n\x0c'