1278 Rocky Point Drive 
Oceanside,  CA  92056-5867 
Toll Free (800) 736-4500 
Fax (877) 789-7628 

Frontwave Credit Union 

IN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS AN Y CREDIT CARD ISSUED TO YOU OR THOSE 
DESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "C REDIT UNION" MEANS FRONTWAVE C REDIT UNION OR ITS SUCCESSORS. BY USING YOUR CARD, 
YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN. 
Joint Accounts. Each of you will be responsible, jointly and severally, for the 
repayment  of  amounts  owed,  regardless  of  who  initiated  any  transaction 
under the account. 

THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR 
THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT. 
YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY 
INTEREST  IN  ALL  INDIVIDUAL  AND  JOINT  ACCOUNTS  YOU  HAVE 
WITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF 
CREDIT EXTENDED UNDER THIS AGREEMENT. YOU ALSO AGREE 
THAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE 
AND/OR FEDERAL LAW. IF YOU ARE IN DEFAULT, WE CAN APPLY 
YOUR SHARES TO THE AMOUNT YOU OWE. 
Shares  and  deposits  in  an  Individual  Retirement  Account  or  any  other 
account that would lose special tax treatment under state or federal law if 
given are not subject to this security interest. 

If  you  have  other  loans  with  us,  collateral  securing  such  loans  will  also 
secure your obligations under this Agreement, unless that other collateral 
is your principal residence or non-purchase money household goods. 

Using Your Card. You can purchase or lease goods and services from any 
merchant  who  honors  your  Card.  For  Platinum,  Classic,  and  Signature 
Reward Cards, your cash advance limit is 50% of your credit limit. For 
Secured Cards, you may obtain cash advances and balance transfers up to 
your  maximum  credit  limit.  You  agree not  to  present  your  Card  or  obtain  a 
cash  advance  for  any  extension  of  credit  in  excess  of  your  available  credit 
limit;  however,  if  you  do  exceed  your  credit  limit,  you  agree  to  make 
immediate  payment  sufficient  to  bring  the  balance  below  the  credit  limit. 
Certain  purchases  and  cash  advances  require  authorization  prior 
to 
completion of the transaction. In some cases, you may be asked  to provide 
identification. If our system is not working, we may not be able to authorize a 
transaction, even though you have sufficient credit available. Also, for security 
reasons, we may block the use of your Card in certain countries or geographic 
areas. We will have no liability to you or others if any of these events occur. 

Personal Identification Number (PIN). We  
may issue a Personal 
Identification Number  (PIN)  for  use with  your  Card.  This  PIN is  confidential 
and should not be disclosed to anyone. You may use your PIN and your Card 
to access your account, and all sums advanced will be added to your account 
balance.  In  the  event  a  use  of  your  PIN  constitutes  an  Electronic  Funds 
Transfer,  the  terms  and  conditions  of  your  Electronic  Funds  Transfer 
Agreement may affect your rights. 

Promise To Pay. You promise to pay us in U.S. dollars for (a) all purchases, 
cash  advances,  and  balance  transfers  made  by  you  or  anyone  whom  you 
authorize to use the Card;  (b) all Interest Charges and all other charges or 
fees; (c) collection costs and attorney's fees as permitted by applicable law, 
and any costs incurred in the recovery of the Card; and (d) credit in excess of 
your credit limit that we may extend to you. 

Illegal Transactions. You agree that your Card and account will not be used 
to make or facilitate any illegal transactions as determined by applicable law; 
and that any such use will constitute an event of default under this Agreement. 
We may decline any transaction that we believe to be illegal under applicable 
law,  including  but not  limited  to  any  transaction  involving  or  relating  to  any 
gambling activity. You agree that we will have no liability or responsibility for 
any  such use  by  you  or  any  authorized user(s);  or  for  declining  any  such 
transaction.  You  further  agree  to  indemnify  and hold us harmless  from  any 
suits, liability, damages or adverse action of any kind that results directly or 
indirectly from such illegal use. You promise to pay us any and all amounts 
owing on your Card for any transactions made by you, even if the transaction 
is determined to be illegal. 

Others Using Your Account. If you allow anyone else to use your account, 
you will be liable for all credit extended to such persons. You promise to pay 
for all purchases and advances made by anyone you authorize to use your 
account,  whether  or  not  you  notify  us  that  he  or  she  will  be  using  it.  If 
someone  else  is  authorized  to  use  your  account  and  you  want  to  end  that 
person's privilege, you must notify us in writing, and if he or she has a Card, 
you must return that Card with your written notice for it to be effective. 

Ownership of Card. Your Card remains our property and may be cancelled 
by us at any time without notice. You agree to surrender your Card and to 
discontinue use of the account immediately upon our request. 

Interest Charges. You agree to pay interest at the rate(s) disclosed to you at 
the time you open your account and as may be changed from time to time in 
accordance  with  applicable  law.  Average  Daily  Balance  including  new 
transactions:  Interest  Charges  will  accrue  on  your  average  daily  balance 
outstanding during the month. To get the average daily balance, we take the 
beginning  balance  each  day,  add  any  new  purchases,  cash  advances, 
balance transfers or other advances, and debit adjustments and subtract any 
unpaid late charges. This gives us the daily balance. Then, we add up all the 
daily balances for the billing cycle and divide that by the number of days in the 
billing cycle. We then multiply that by the periodic rate corresponding to the 
Annual Percentage Rate on your account. 
Grace  Period  on  Purchases  Only:  You  can  avoid  Interest  Charges  on 
purchases by paying the full amount of the new balance for purchases each 
month by the date on which the payment is due. Otherwise, the new balance 
of your account, and subsequent advances from the date they are posted to 
the account, will be subject to an Interest Charge. You cannot avoid Interest 
Charges on cash advances and balance transfers; even if you pay the entire 
cash advance balance or balance transfer balance by the payment due date, 
you will incur the Interest Charges accrued from the date the cash advance or 
balance transfer is posted to your account. 

Fees. In addition to the Interest Charges set forth above, you agree to also 
pay  any  and  all  fees  that  you  incur  as  disclosed  to  you  on  your  Truth-
inLending Statement or similar disclosures (as may be amended from time to 
time), or as disclosed to you during the term of your Card. 

If  Your  Card  is  Lost  or  Stolen  or  if  an  Unauthorized  Use  Occurs.  You 
agree  to  notify  us  immediately  if  your  Card  is  ever  lost  or  stolen  or  if  an 
unauthorized use may have occurred. "Unauthorized use" means the use of 
the Card by someone other  than you who does not have actual, implied or 
apparent authority for such use, and from which you receive no benefit. The 
telephone number to call is (800) 736-4500, during standard business hours, 
or (800) 682-6075, after hours, holidays and weekends. You agree to follow 
up  your  call  with  notice  in  writing  to  us  at:  Card  Services  Department, 
FRONTWAVE CREDIT UNION, 1278 ROCKY POINT DRIVE, OCEANSIDE, 
CA  92056-5867.  You  also  agree  to  assist  us  in  determining  the  facts, 
circumstances  and  other  pertinent  information  relating  to  any  loss,  theft  or 
possible unauthorized use of your Card and comply with such procedures as 
we may require in connection with our investigation. You will be liable for any 
unauthorized use only if we can prove that you were negligent in your use or 
handling  of  your  Card,  or  if  we  can  prove  that  you  used  your  Card 
fraudulently. 

Minimum Payment Due; Crediting of Payments. Payments are due in the 
amount and on the date disclosed on your billing statement. If your payment is 
received by us on a business day at the address and by the time designated 
on  the  billing  statement,  it  will  be  credited  to  your  account  on  the  date  of 
receipt. If payment is made at any location other than the address designated 

9011 LASER FI18880 Rev 10-2018 

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COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved. 

 
 
 
 
 
on the periodic statement, credit for such payment may be delayed up to five 
(5)  days.  Payments  will  be  applied  in  any  order  we  determine,  subject  to 
applicable law. 

Termination;  Change-in-Terms.  We  may,  by  written  notice,  terminate  this 
Agreement  at  any  time,  subject  to  applicable  law.  You  may  terminate  this 
Agreement by written notice. Termination by either party shall not affect your 
obligation to repay any payments made for your account resulting from use of 
IN  THIS  AGREEMENT,  "YOU"  AND  "YOUR"  MEAN  AN Y  PERSON  WHO  ACCEPTS  THIS  AGREEMENT  OR  USES  THE  CARD.  THE  "CARD"  MEANS  ANY  C REDIT  CARD  ISSUED  TO  YOU  OR  THOSE 
DESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "C REDIT UNION" MEANS FRONTWAVE C REDIT UNION OR ITS SUCCESSORS. BY USING YOUR CARD, 
YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN. 
the Card as well as Interest Charges and fees incurred. We may change the 
terms of this Agreement, including the method of calculating the periodic rate, 
at  any  time,  by  written  notice,  subject  to  applicable  law.  Use  of  the  Card 
constitutes  agreement  and  acceptance  of  any  change  in  terms,  unless 
applicable law requires otherwise. Our failure to exercise any of our rights or 
to  take  any  action  shall  not  constitute  a  waiver  of  those  rights,  or  an 
amendment or change in any of the terms of this Agreement. 

Default; Acceleration; Credit Suspension; Collection Costs. You will be in 
default if: (1) you fail to make any payment on time; (2) if you fail to keep any 
promises you have made under this Agreement or under other Agreements 
you have with us; (3) if you die; (4) if you file a petition in bankruptcy or have a 
bankruptcy  petition  filed  against  you,  or  if  you  become  involved  in  any 
insolvency,  receivership  or  custodial  proceeding;  (5)  if  anyone  attempts  to 
take any of your funds held by us via legal process or if you have a judgment 
or  tax  lien  filed  against  you;  (6)  if  you  make  any  false,  inaccurate,  or 
misleading statements in any credit application or credit update; or (7) if we, in 
good faith, believe that your ability to repay what you owe is or soon will be 
impaired, or that you are unwilling to make your payments. 
If you are in default, we have the right to demand immediate payment of your 
full  account  balance  without  giving  you  notice.  If  immediate  payment  is 
demanded, you agree to continue paying interest charges and fees until what 
you owe has been paid, and any shares that were given as security for your 
account  may  be  applied  towards  what  you  owe.  You  agree  to  pay  all 
reasonable costs of collection, including court costs and attorney's fees, and 
any costs incurred in the recovery of the Card, subject to applicable law. Even 
if  your unpaid  balance  is less  than  your  credit  limit,  you will have no  credit 
available during any time that any aspect of your account is in default. 

Suspension  of  electronic  services  and  access  to  share  or  deposit 
accounts. Subject to applicable law, we may suspend some or all electronic 
services  and  access  to  your  checking  or  other  account(s)  if  you  become 
delinquent on any of your credit card or deposit obligations to us or you cause 
a loss to us. We shall not be liable to you in any regard in connection with 
such suspension of services. 

Additional Benefits/Card Enhancements. We may from time  to  time offer 
additional  services  to  your  Account  at  no  additional  cost  to  you.  You 
understand that we are not obligated to offer such services and may withdraw 
or change them at any time. 

Convenience Checks. We may, at our discretion, issue checks to you which 
may be used for any purpose other than making a payment for credit to your 
account.  By  signing  such  check,  you  authorize  us  to  pay  the  item  for  the 
amount indicated and post such amount as a cash advance to your account. 
We do not have to pay any item which would cause the outstanding balance 
in your account to exceed your credit limit. 

Credit Information. We  may from time  to time request personal information 
from  you  or  obtain  credit  reports  from  the  credit  reporting  agencies  for  the 
purpose  of  updating  your  credit  status.  Your  failure  to  provide  such 
information when requested by us may result in suspension of credit privileges 
under this Agreement, including your ability to obtain any future advances by 
any means. You authorize us to investigate your credit standing when opening 
or reviewing your account. You authorize us to disclose information regarding 
your  account  to  credit  bureau  and  creditors  who  inquire  about  your  credit 
standing. 

total 

increase  your 

Late  or  Partial  Payments.  Any  payment  that  delays  the  reduction  of  your 
interest  costs.  Partial  payments  or 
balance  will 
prepayments will not delay your next scheduled payment - you will still need to 
make  the  minimum  scheduled  payment  by  the  next  scheduled  due  date  to 
keep your account current. We may accept late payments, partial payments, 
checks or money orders marked "payment in full" and such action shall not 
constitute final settlement of your account or a waiver or forgiveness of any 
amounts owing under this Agreement. 

Enforcement. We do not lose our rights under this or any related agreement 
if we delay enforcing them. If any provision of this or any related agreement is 
determined to be unenforceable or invalid, all other provisions remain in full 
force and effect. 

Returns and Adjustments. Merchants and others who honor the Card may 
give  credit  for  returns  or  adjustments,  and  they  will  do  so  by  submitting  a 
credit slip which will be posted to your account. If your credits and payments 
exceed what you owe us, the amount will be applied against future purchases 
and  cash  advances.  If  the  credit  balance  amount  is  $1  or  more,  it  will  be 
refunded upon your written or verbal request. 

Plan Merchant Disputes. We are not responsible for the refusal of any plan 
merchant  or  financial  institution  to  honor  your  Card.  Also,  we  are  not 
responsible for goods or services that you purchase with the Card unless: (a) 
your  purchase  was  made  in  response  to  an  advertisement  we  sent  or 
participated in sending you; or (b) your purchase cost more than $50 and was 
made from a plan merchant in your state or within 100 miles of your home; 
and  only  if  you have  made  a  good  faith  attempt,  but  have  been  unable  to 
obtain  satisfaction  from  the  plan  merchant.  You  must  resolve  all  other 
disputes directly with the plan merchant. We do not warrant any merchandise 
or services purchased by you with the Card. 

Statements and Notices. Statements and notices will be mailed to you at the 
most recent postal address or e-mail address (if you have elected to receive 
such documents via electronic means) you have given us. Notice sent to any 
one of you will be considered notice to all. 

Notification of  Address Change. You will notify us promptly if you change 
your address for any  reason. In order to prevent identity theft, your identity 
may need to be verified before we act upon the notification. 

Copy  Received.  You  acknowledge  that  you  have  received  a  copy  of  this 
Agreement. 

Foreign  Transactions;  Currency  Conversion.  Purchases  and  cash 
advances made in foreign currencies will be billed to you in U.S. dollars. The 
conversion rate in dollars will be a rate selected by the card company from a 
range  of  rates  available  in  wholesale  currency  markets  for  the  applicable 
central processing date, which rate may vary from the rate the card company 
itself receives, or the government-mandated rate in effect for the applicable 
central processing date in each instance. All transactions processed outside 
of the United States (which may include internet transactions) will be charged 
a  foreign  transaction  fee  in  the  amount  disclosed  on  your  Truth-in-Lending 
Statement (as amended from time to time). 

Governing Law.  This Agreement shall be construed under federal law and 
state law in the state in which we are primarily located, and the venue shall be 
located in the county and state in which we are primarily located. Operating 
regulations  of  Visa  may  also  apply.  This  Agreement  is  the  contract  that 
applies to all transactions even though the sales, cash advance, convenience 
check, credit or other slips you sign or receive may contain different terms. 

NOTICE  TO  UTAH  BORROWERS:  This  written  agreement  is  a  final 
expression of the agreement between you and the Credit Union. This written 
agreement may not be contradicted by evidence of any oral agreement. 

9011 LASER FI18880 Rev 10-2018 

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COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved. 

Contact Us. Balance information may be obtained by calling our automated 
Express Line at 1-800-829-7676 or via our website at www.frontwavecu.com. 
An access code is required for both of these  options. You may also contact 
our Member Solution Center during business hours to speak with an agent at 
1-800-736- 4500. Our business days and hours are Monday through Friday 

If you are dissatisfied with the goods or services that you have purchased with 
your credit card, and you have tried in good faith to correct the problem with 
the merchant, you may have the right not to pay the remaining amount due on 
the purchase. 

To use this right, all of the following must be true: 

1. The  purchase  must have  been  made  in  your home  state  or  within  100 

YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE 

miles of your current mailing address, and the purchase price must have 
been  more  than  $50.  (Note:  Neither  of  these  are  necessary  if  your 
purchase was based on an advertisement we mailed to you, or if we own 
the company that sold you the goods or services.) 

2. You must have used your credit card for the purchase. Purchases made 
with  cash  advances  from  an  ATM  or  with  a  check  that  accesses  your 
credit card account do not qualify. 

3. You must not yet have fully paid for the purchase. 

If  all  of  the  criteria  above  are  met  and  you  are  still  dissatisfied  with  the 
purchase, contact us in writing at the address(es) listed on your statement. 

While  we  investigate,  the  same  rules  apply  to  the  disputed  amount  as 
discussed  above.  After  we  finish  our  investigation,  we  will  tell  you  our 
decision. At that point, if we think you owe an amount and you do not pay, we 
may report you as delinquent. 

(7:00 am to 6:00 pm) and Saturday (9:00 am to 4:00 pm) excluding holidays. 

This notice tells you about your rights and our responsibilities under the 
Fair Credit Billing Act. 

What To Do If You Find A Mistake On Your Statement 

If you think there is an error on your statement, write to us at the address(es) 
listed on your statement. 

In your letter, give us the following information: 

1.  Your name and account number. 
2.  The dollar amount of the suspected error. 
3.  If  you  think  there  is  an  error  on  your  bill,  describe what  you  believe  is 

wrong and why you believe it is a mistake. 

4.  Your signature. 

You must contact us: 

•  Within 60 days after the error appeared on your statement. 
•  At least 3 business days before an automated payment is scheduled, if 

you want to stop payment on the amount you think is wrong. 

You must notify us of any potential errors in writing. You may call us, but if you 
do, we are not required to investigate any potential errors and you may have 
to pay the amount in question. 

What Will Happen After We Receive Your Letter 

When we receive your letter, we must do two things: 

1.  Within 30 days of receiving your letter, we must tell you that we received 
your letter. We will also tell you if we have already corrected the error. 
2.  Within 90 days of receiving your letter, we must either correct the error or 

explain to you why we believe the bill is correct. 

While we investigate whether or not there has been an error: 

•  We  cannot  try  to  collect  the  amount  in  question,  or  report  you  as 

delinquent on that amount. 

•  The  charge  in  question  may  remain  on  your  statement,  and  we  may 

continue to charge you interest on that amount. 

•  While you do not have to pay the amount in question, you are responsible 

for the remainder of your balance. 

•  We can apply any unpaid amount against your credit limit. 

After we finish our investigation, one of two things will happen: 

•  If we made a mistake: You will not have to pay the amount in question or 

any interest or other fees related to that amount. 

•  If we do not believe there was a mistake: You will have to pay the amount 
in question, along with applicable interest and fees. We will send you a 
statement of the amount you owe and the date payment is due. We may 
then report you as delinquent if you do not pay the amount we think you 
owe. 

If you receive our explanation but still believe your bill is wrong, you must write 
to us within 10 days telling us that you still refuse to pay. If you do so, we 
cannot  report  you  as  delinquent  without  also  reporting  that  you  are 
questioning  your  bill.  We  must  tell  you  the  name  of  anyone  to  whom  we 
reported you as delinquent, and we must let those organizations know when 
the matter has been settled between us. 

If we do not follow all of the rules above, you do not have to pay the first $50 
of the amount you question even if your bill is correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases 

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COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.