b'1. 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\nremaining amount due on the purchase.\nTo use this right, all of the following 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, or\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 my\ncredit 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 the\npurchase, I must contact you in writing or electronically at;\nLos Angeles Police Federal Credit Union\nP.O. Box 10188, Van Nuys, CA 91410-0188\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\nFORM L-560 (01/2020)\n\n15\n\nPlatinum Rewards VISA\nCredit Card Agreement\nand Federal Truth-InLending Disclosure\nStatement\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\n16150 SHERMAN WAY, VAN NUYS, CA 91406\nPHONE (877) 695-2732 FAX (818) 787-3273\nwww.lapfcu.org\n\n\x0cIn this Platinum Rewards VISA Credit Card Agreement and Federal\nTruth-in-Lending Disclosure Statement (\xe2\x80\x9cAgreement\xe2\x80\x9d) the words \xe2\x80\x9cI\xe2\x80\x9d,\n\xe2\x80\x9cme\xe2\x80\x9d, \xe2\x80\x9cmy\xe2\x80\x9d and \xe2\x80\x9cmine\xe2\x80\x9d mean each and all of those who apply for,\nor who sign for or use the Card and/or Account. The words \xe2\x80\x9cCredit\nUnion\xe2\x80\x9d, \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\nPolice Federal Credit Union. \xe2\x80\x9cCard\xe2\x80\x9d means the Platinum Rewards\nVISA Credit Card(s) issued to me and any duplicates and/or renewals\nyou may issue. \xe2\x80\x9cAccount\xe2\x80\x9d means my Platinum Rewards VISA Credit\nCard Account with you.\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\nby the terms and conditions as set forth herein and any amendments\nand/ or change in terms thereto.\nNOTICE: THIS DOCUMENT CONTAINS PROVISIONS FOR A\nVARIABLE ANNUAL PERCENTAGE RATE.\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\n\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.\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.\nMy Billing Rights: Keep this Document for Future Use\nThis notice tells me about my rights and your responsibilities under\nthe Fair Credit Billing Act.\nWhat To Do If I Find a Mistake on My Statement\nIf I think there is an error on my statement, I must write to you at:\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:\n\n1\n\n14\n\n\x0cand 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.\nADDITIONAL 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\n\nIF THE CLAIM ARISES OUT OF, AFFECTS, OR RELATES TO\nCONDUCT THAT OCCURRED PRIOR TO THE EFFECTIVE\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\n\n13\n\n2\n\n\x0cassociated with credit insurance premiums; fees for ancillary\nproducts 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.\nI will be obligated to pay all such Purchases, Cash Advances and\nBalance 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 of\nits 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 above,\nyou have the right in your sole and absolute discretion to change the\namount of any ANNUAL PERCENTAGE RATE, Monthly Periodic\nRate and/or INTEREST CHARGE that may apply to my Account.\nMonthly Periodic INTEREST CHARGE, Monthly Periodic Rate, and\nANNUAL PERCENTAGE RATE for Cash Advances, Balance transfers\nand Purchases: The initial Monthly Periodic Rate used in calculating\nthe Monthly Periodic INTEREST CHARGE is a discounted Monthly\nPeriodic Rate with an initial discounted ANNUAL PERCENTAGE\nRATE as disclosed on the enclosed \xe2\x80\x9cAddendum to Platinum Rewards\nVISA Credit Card Agreement & Federal Truth-in-Lending Disclosure\n\nCONTACTING YOU: I agree that you (and/or your authorized agents)\nmay contact me in order to service my account or to collect any\namounts I owe at any phone number, email address or mailing address\nI provide. This includes communications to mobile, cellular/wireless,\nor similar devices. You may contact me by live operator, auto-dialer,\nprerecorded or artificial voice, text or email. I agree to pay any charges\nassessed by my plan provider for communications you send to me, as\nwell 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\nI receive.\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.\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.\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\nsent as soon as you mail it. You consider an electronic notice sent as\nsoon as you email it, unless you receive notification that the email was\nundeliverable.\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 Platinum Rewards VISA Credit Card Agreement\nand Federal Truth in Lending Disclosure Statement\xe2\x80\x9d which is delivered\ntogether with this form is an integral part of the Agreement and is\nincorporated herein 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\nin which 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,\n\n3\n\n12\n\n\x0cof VISA Credit Card fraud in accordance with current VISA U.S.A.,\nInc. Operating Regulations. This does not apply to ATM transactions\nusing the Card and PIN. 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 Card(s) 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 or,\nif I am outside of 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.\nIf this is a joint account, neither party can be released from his or her\nobligations except upon your approval.\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.\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.\n\nStatement\xe2\x80\x9d (\xe2\x80\x9cAddendum\xe2\x80\x9d) which accompanies this Agreement and is\nincorporated herein by this reference as though set forth in full. The\ninitial discounted Monthly Periodic Rate will remain in effect during\nmy first six (6) monthly billing cycles, unless I fail to make a payment\nwhen due or I make a payment that is returned (for further information,\nplease refer to the PENALTY ANNUAL PERCENTAGE RATE section\nbelow). Thereafter, the Monthly Periodic Rate used in calculating the\nMonthly Periodic INTEREST CHARGE for Balance Transfers, Cash\nAdvances and Purchases is based upon the Prime Rate rounded to\nthe nearest 1/100 of 1% as published in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d section\nof the print edition of the Wall Street Journal as of March 1, June 1,\nSeptember 1 and December 1 of each year (the \xe2\x80\x9cIndex\xe2\x80\x9d). Following\nthe discounted period, my ANNUAL PERCENTAGE RATE for Cash\nAdvances, Purchases and Balance Transfers, is determined by adding\na Margin to the Index in effect as of the first (1st) day of the month\npreceding the month of my \xe2\x80\x9cAdjustment Date\xe2\x80\x9d (defined below). The\nIndex, Margin and Initial Monthly Periodic Rate in effect as of the\ndate of this Agreement that would have been used in calculating the\nmonthly Periodic INTEREST CHARGE (applying the formula below)\nand the corresponding initial ANNUAL PERCENTAGE RATE is also\nset forth in the enclosed Addendum.\nFollowing the discounted period described above, my ANNUAL\nPERCENTAGE RATE may increase or decrease every quarter. Any\nsuch change will be based on an increase or decrease in the Index\nas set forth herein. In the event that the Prime Rate ceases to be\npublished, changes in the ANNUAL PERCENTAGE RATE will be\nrelated to a comparable Index. You may waive an increase in the\nANNUAL PERCENTAGE RATE when such an increase can be made,\nbut such a waiver shall not be construed as a waiver of your right to\nincrease the ANNUAL PERCENTAGE RATE at a future date when\nentitled to do so.\nFollowing the discounted period, my ANNUAL PERCENTAGE RATE\nis subject to change quarterly on the first day of the monthly billing\ncycle in January, April, July, and October. These dates shall be known\nas \xe2\x80\x9cAdjustment Dates.\xe2\x80\x9d For example, the Index in effect on March 1\nshall be used to calculate the ANNUAL PERCENTAGE RATE change\neffective as of the first day of the next billing cycle in April of the same\nyear. The Index in effect on June 1 shall be used to calculate the\nANNUAL PERCENTAGE RATE change effective as of the first day of\nthe next billing cycle in July of the same year. The Index in effect on\nSeptember 1 shall be used to calculate the ANNUAL PERCENTAGE\nRATE change effective as of the first day of the next billing cycle in\nOctober of the same year. The Index in effect on December 1 shall\nbe used to calculate the ANNUAL PERCENTAGE RATE change\neffective as of the first day of the next billing cycle in January of the\nfollowing year.\nThere is no maximum ANNUAL PERCENTAGE RATE during the\nterm of this Agreement, except that the maximum may not exceed\nthe maximum ANNUAL PERCENTAGE RATE permitted federal credit\nunions at the time of each ANNUAL PERCENTAGE RATE change.\nThere is no minimum ANNUAL PERCENTAGE RATE that can apply\nduring the term of this agreement. There are no annual (or other)\nlimitations on changes in the ANNUAL PERCENTAGE RATE during\nthe term of this Agreement. Decreases in the ANNUAL PERCENTAGE\nRATE in accordance with the terms of this Agreement are mandatory.\nIncreases in the ANNUAL PERCENTAGE RATE in accordance with\nthe terms of this Agreement are at your discretion. Any increase or\ndecrease in the ANNUAL PERCENTAGE RATE will result in changes\nin the amount and/or number of payments required to repay the\nunpaid balance. Each change in the ANNUAL PERCENTAGE RATE\nand Monthly Periodic Rate will apply to any outstanding balance on\nthe effective date of such change as well as to future Purchases, Cash\nAdvances and Balance Transfers. Written notice of a change in the\nIndex and ANNUAL PERCENTAGE RATE will be provided to me on\nmy billing statement prior to the billing cycle in which the new Index\nand ANNUAL PERCENTAGE RATE will apply.\nThe Monthly Periodic INTEREST CHARGE for each billing cycle\nwill be calculated by applying the Average Daily Balance (described\n\n11\n\n4\n\n\x0cbelow) for the billing cycle to the Monthly Periodic Rate. The Monthly\nPeriodic Rate is determined by dividing the ANNUAL PERCENTAGE\nRATE by 12 and will change when the ANNUAL PERCENTAGE RATE\nchanges.\nIf a Grace Period applies, periodic INTEREST CHARGES will be\nimposed on credit Purchases and Balance Transfers only if they are\nnot paid in full within twenty-five (25) days after the Statement Closing\nDate (\xe2\x80\x9cGrace Period\xe2\x80\x9d) each and every billing cycle. To the extent that\nthe credit Purchase or balance transfer balance is not subject to a\nGrace Period, a periodic INTEREST CHARGE will be calculated on\ncredit Purchases and balance transfers that I obtain with my Card as\nof the date such credit Purchase is posted to my Account and will\ncontinue to accrue until the date of repayment. Periodic INTEREST\nCHARGES will be imposed on Cash Advances that I obtain through\nthe use of my Card as of the date of each such Cash Advance and\nwill continue to accrue until the Cash Advance is repaid. The above\nINTEREST CHARGES and other FINANCE CHARGES for the billing\ncycle will be shown on my periodic statement.\nMINIMUM INTEREST CHARGE: A minimum INTEREST CHARGE\nof $0.50 will be assessed whenever a monthly Periodic INTEREST\nCHARGE is imposed.\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. I understand and agree that under the\n\xe2\x80\x9cChange of Terms\xe2\x80\x9d section above, you have the right in your sole and\nabsolute discretion to change the amount of any TRANSACTION FEE\nthat may apply to my 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.\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 the\namount of the Purchase, Cash Advance, or credit transaction which is\nposted to the Account during the billing cycle.\nPENALTY ANNUAL PERCENTAGE RATE: A penalty ANNUAL\nPERCENTAGE RATE of 17.9% (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.\nYou will provide me notice of such penalty ANNUAL PERCENTAGE\nRATE at least forty-five (45) days prior to the effective date of the\npenalty ANNUAL PERCENTAGE RATE and such notice will inform\nme which future transactions and/or outstanding balances are subject\nto the penalty ANNUAL PERCENTAGE RATE. Generally, the penalty\nANNUAL PERCENTAGE RATE will apply to any transactions that\noccur more than fourteen (14) days after you provide notice of the\npenalty ANNUAL PERCENTAGE RATE to me and my ANNUAL\nPERCENTAGE RATE will revert to the applicable \xe2\x80\x9cstandard\xe2\x80\x9d ANNUAL\nPERCENTAGE RATE provided for in this Agreement, provided that\nI make six (6) consecutive Minimum Monthly Payments when due\nbeginning with the first (1st) payment due after the effective date of\nthe increase.\n\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.\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\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\n\n5\n\n10\n\n\x0crelated 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\nmake Purchases, Balance Transfers and request Advances in\naccordance with then current loan policies up to my Credit Limit. I\nunderstand and agree that all Purchases and other transactions\nrequested by me or anyone I have permitted to use the Card(s) and/or\nAccount are subject to your approval.\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\nPlatinum Rewards VISA Credit Cards and sign or authorize a sales or\nCash Advance draft. Certain Purchases, Cash Advances and Balance\nTransfers will require an authorization prior to completion of the\ntransaction. In some cases, I may be asked to provide identification.\nIf I have received a personal identification number (\xe2\x80\x9cPIN\xe2\x80\x9d), I may also\nuse my Card and PIN to obtain Cash Advances at any Automatic Teller\nMachine (\xe2\x80\x9cATM\xe2\x80\x9d) that accepts my Card or other type of electronic\nterminal that provides access to the VISA system. (Not all ATMs\naccept Platinum Rewards VISA Credit Cards.) My PIN is confidential\nand should not be disclosed to anyone. I agree not to write my PIN\non my Card, I will not keep my Card and PIN together, and I will not\nprovide my PIN to anyone who is not an authorized user. Advances\nthrough ATM access will be treated as Cash Advances. Advances at\nauthorized ATMs are limited to a total of $1,000.00 per day. I may\nalso provide my Card number verbally, electronically, or in writing to\na merchant to complete a mail, electronic or telephone transaction.\nIf your authorized system is not working, I may not be able to authorize\na transaction, even if I have sufficient available credit. Occasionally for\nsecurity reasons, you may block usage of my Card and/or Account in\ncertain foreign countries or geographical areas. You will not be liable\nto me if any of these events happen.\nMy Card and/or Account may not be used directly or indirectly for:\n(1) any illegal activity or transaction including, without limitation any\n\xe2\x80\x9cracketeering activity\xe2\x80\x9d as defined in 18 U.S.C. \xc2\xa7 1961; or (2) any\ngambling, gaming, betting or similar activity or transaction. Further,\nI may not utilize my Card and/ or Account for the purchase of any\ngoods 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.\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 multi-currency\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\n\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\nINTEREST CHARGES ARE ASSESSED:\nAverage Daily Balance (including current Cash Advance\ntransactions): You figure a portion of the INTEREST CHARGE on\nmy Account by applying the Cash Advance Monthly Periodic Rate\nto the Average Daily Balance of Cash Advances (including current\nCash Advances). To get the Average Daily Balance of Cash Advance\ntransactions you take the beginning balance of Cash Advance\ntransactions on my Account each day, add any new Cash Advances,\nand subtract any payments or credits, and unpaid INTEREST\nCHARGES and other FINANCE CHARGES. This gives you the daily\nbalance of Cash Advance transactions. Then, you add up all the daily\nbalances of Cash Advance transactions for the billing cycle and divide\nthe total by the number of days in the billing cycle. This gives you the\nAverage Daily Balance 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\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.\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.\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\n\n9\n\n6\n\n\x0cto 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.\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.\nI 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 FINANCE CHARGE due on both Purchases,\nCash Advances and Balance Transfers; (c) outstanding balances of\nCash Advances, Balance Transfers and Purchases previously billed;\nand (d) current Cash Advances, Balance Transfers and Purchases.\nAny payment I make in excess of the Minimum Monthly Payment\nwill be applied to my balances subject to the highest ANNUAL\nPERCENTAGE RATE first, then to balances subject to lower\nANNUAL PERCENTAGE RATES, in descending order of ANNUAL\nPERCENTAGE RATES until all balances subject to an ANNUAL\nPERCENTAGE RATE are paid in full. Thereafter, you will apply all\npayments in excess of the Minimum Monthly Payment, if applicable,\nin the same order as you apply the Minimum 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\n\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.\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\nmake larger payments without penalty and this may reduce the total\namount of periodic INTEREST CHARGES that I will repay. If I pay\nmore than the Minimum Monthly Payment in any month and there is\nstill a balance due, I must continue to make Minimum Payments in\nfuture 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.\nPAYMENTS BY AUTOMATIC TRANSFER: If I request payment by\nautomatic transfer, I understand and agree that no payment can or will\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, 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/\nor you 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\n\n7\n\n8\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 12.99%\nAPR for Cash Advances 0.00% introductory APR for six months.\nAfter that, my APR will be 12.99%\nAPR for Balance Transfers 0.00% introductory APR for six months.\nAfter that, my APR will be 12.99%\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-678AA (11/19)\n\nPAGE 1\n\n1002207\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 1.0825%\nwith a corresponding ANNUAL PERCENTAGE RATE of\n\n12.99%.\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-678AA (11/19)\n\nPAGE 2\n\n1002207\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 17.90%\nAPR for Cash Advances 0.00% introductory APR for six months.\nAfter that, my APR will be 17.90%\nAPR for Balance Transfers 0.00% introductory APR for six months.\nAfter that, my APR will be 17.90%\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-678D (11/19)\n\nPAGE 1\n\n1001549\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 1.4917%\nwith a corresponding ANNUAL PERCENTAGE RATE of\n\n17.90%.\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-678D (11/19)\n\nPAGE 2\n\n1001549\n\n\x0c'


b'5/19/2016\n\nTrustmark Banking and Financial Solutions\nHome\n\nPersonal\n\nAt a Glance\nAbout Us | Checking | Savings |\nLoans | Online Banking | Calculators\n\nBusiness\n\nMortgage\n\nWealth Management\n\nRisk Management\n\nOnline Banking\n\nInvestor Relations\n\nPersonal Banking\nServices\n\nCommon Questions\nLet our online Customer Service help\nyou get your questions answered.\nBrowse questions other customers have\nasked or submit one of your own.\n\nCard Services\nSummary of Credit Terms \xc2\xad Mastercard\xc2\xae Card\nAnnual Percentage\nRate (APR) for\nPurchases\n\n5.90% Introductory APR for the first six Billing Cycles.\n\nAPR For Balance\nTransfers\n\nYour APR will be based upon your outstanding balance and the Prime\nRate plus a Margin of 4.9% (balances greater than $2,000) or 7.90%\n(balances less than or equal to $2,000). This APR will vary with the\nmarket based on The Wall Street Journal Prime Rate\xcd\xbe however, it will\nnever be greater than 21.00% (Ceiling).\n\nAPR for Cash\nAdvances\n\n21.00% APR\n\nPenalty APR and\nWhen it Applies\n\n21.00%\nThis APR may be applied to your account if you make a late payment\nand/or make a payment that is returned for any reason.\n\nAfter that, your APR will be based upon your outstanding balance and\nthe Prime Rate plus a Margin of 4.9% (balances greater than $2,000)\nor 7.90% (balances less than or equal to $2,000). This APR will vary\nwith the market based on The Wall Street Journal Prime Rate*\xcd\xbe\nhowever, it will never be greater than 21.00% (Ceiling).\n\nHow Long Will the Penalty APR Apply? If your APRs are increased for\nany of these reasons, the Penalty APR will apply until you make six\nconsecutive minimum payments when due.\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each Billing Cycle.\nWe will not charge you interest on Purchases if you pay and we\nreceive your entire balance by the due date each month. We will begin\ncharging interest on Cash Advances and Balance Transfers on the\ntransaction date.\n\nMinimum Interest\nCharge\n\nIf you are charged interest, the charge will be no less than $0.50\n\nFor Credit Card Tips\nfrom the Federal\nReserve Board\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Federal Reserve Board at\nhttp://www.federalreserve.gov/creditcard.\n\n* The Prime Rate used is the highest \xe2\x80\x9cPrime Rate\xe2\x80\x9d as published in The Wall Street Journal on the last day of\nthe month in which the Billing Cycle began or, if not published that day, on the next day published.\nFees\n\nAnnual Fee\n\nhttps://www.trustmark.com/personal/creditterms\xc2\xadmc.html\n\nNone\n\n1/2\n\n\x0c5/19/2016\n\nTrustmark Banking and Financial Solutions\nTransaction Fees\n\xe2\x80\xa2 Foreign Transaction\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Over\xc2\xadthe\xc2\xadCredit Limit\n\xe2\x80\xa2 Returned Payment\n\n3% of each Purchase or Cash Advance transaction amount\n\nUp to $37\n\nUp to $37\nUp to $37\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new\npurchases)". See your Cardholder Agreement for more details.\nLoss of Introductory Rate: We may end your introductory APR and apply the Penalty APR if you make a late\npayment.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in\nyour Cardholder Agreement.\nMonthly Cash Rebate: You will receive a Cash Rebate equal to .50% of your net Purchases (Purchases less\nReturns) each Billing Cycle. Your Cash Rebate will be based on the total net Purchases posted to your Account\nduring your actual Billing Cycle dates. Your Cash Rebate will be credited to your Account by the fifth business\nday of the following Billing Cycle. Should the amount of Returns exceed the Purchases during any Billing Cycle\nresulting in a credit balance, your Account will be debited accordingly.\n\nMember FDIC\n\nInvestor Relations | Contact Us | Privacy Policy\nTrustmark National Bank\nCorporate Offices\nP.O. Box 291\n248 East Capitol Street\nJackson, Mississippi 39201\n\nMember FDIC\n\nMain switchboard, 1\xc2\xad800\xc2\xad844\xc2\xad2000\nOffices in Alabama, Florida, Mississippi, Tennessee & Texas\n\nhttps://www.trustmark.com/personal/creditterms\xc2\xadmc.html\n\n2/2\n\n\x0c'