KINECTA FEDERAL CREDIT UNION 

KINECTA MYPOWER MASTERCARD 
CREDIT CARD AGREEMENT AND DISCLOSURE 

IMPORTANT – Retain for your records 

Effective: 9/01/2019 

CARD AGREEMENT 
This  Kinecta  MyPower  MasterCard  Credit  Card  Agreement  and  Disclosure  (“Agreement”)  is  your  contract  with  us.  The  Pricing 
Information  Table  below  is  a  part  of  this  Agreement  and  shows  important  information  about  your  Account,  such  as  your  Annual 
Percentage Rate and certain fees. Any amendments to this Agreement are also part of this Agreement. Please read all parts of this 
Agreement and keep it for your records. 

PRICING INFORMATION TABLE 

Interest Rates and Interest 
Charges 

Annual Percentage Rate (APR) 
for Purchases 

9.99% to 18.00% when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime Rate. 

APR for Balance Transfers 

9.99% to 18.00% when you open your account, based on your creditworthiness. This 

APR will vary with the market based on the Prime Rate. 

APR for Cash Advances 

11.99% to 18.00% when you open your account, based on your creditworthiness. This 

Penalty APR and When it 
Applies 
Paying Interest 

APR will vary with the market based on the Prime Rate. 

None 

Your due date is at least 25 days after the close of each billing cycle. We will not charge 
you interest on purchases and balance transfers if you pay your entire balance by the due 
date each month. We will begin charging interest on cash advances on the transaction date. 

Minimum Interest Charge 

If you are charged interest, the charge will be no less than $1.00. 

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 

To learn more about factors to consider when applying for or using a credit card, visit the 
website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore 

1 

 
 
  
 
 
  
 
 
 
Fees 
Annual Fee 
Transaction Fees 

•  Balance Transfer 

•  Cash Advance 

• 

Foreign Transaction 

Penalty Fees 

•  Late Payment 

•  Returned Payment 

None 

None 

None 

None 

None 

None 

How We Will Calculate Your Balance: We will use a method called “average daily balance (including new purchases).” 

Loss of Introductory APR: We may end your introductory APR and apply the standard APR if you make a late payment. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided at the end of this 
Agreement. 

Index 

Details About Your Interest 
Rates and Interest Calculations 
5.25% 
Purchases 
5.25% 
Balance Transfers 
Cash Advances 
5.25% 
(M) = Monthly periodic rate.  A monthly periodic rate is the APR divided by 12. 

4.74-14.99% 
4.74-14.99% 
6.74-16.99% 

Margin 

Periodic Rate 

0.83-1.50% (M) 
0.83-1.50% (M) 
1.00-1.50% (M) 

Corresponding Annual 
Percentage Rate (APR) 
9.99-18.00% 
9.99-18.00% 
11.99-18.00% 

The following definitions apply to this Agreement: 

DEFINITIONS 

•  ACCOUNT: The line of credit associated with your Kinecta MyPower MasterCard Account with us. 
•  ACCOUNT BALANCE: All authorized charges, plus any finance charges assessed on your Account, plus any other fees 

and charges which you owe to us under the terms of this Agreement. 

•  AUTHORIZED USER:  Any person you allow to use your Account with a Card we provided with that person’sname. 
•  BILLING  PERIOD:  The  period  of  time  between  each  date  when  we  create  a  periodic  statement  for  your  Account.  A 
Billing Period is usually 28 - 33 days. For each Billing Period, your statement will show any Transactions, other charges, 
payments and other credits posted during that Billing Period. 

•  CARD: The Kinecta MyPower MasterCard issued to you (and any duplicates and renewals we may issue) used to 

access your Account to obtain credit. 

•  CONSUMER  REPORTING  AGENCY:  An  organization,  such  as  Experian,  Equifax  and  TransUnion,  that  compiles 
credit information for the purpose of generating consumer credit reports. It is also known as a “credit bureau” and a “credit 
reporting agency.” 

•  LATE PAYMENT: A payment is late if you do not pay at least an amount equal to the Minimum Monthly Payment by 

the Payment Due Date. 

•  RETURNED PAYMENT: A payment that is not honored by your financial institution. 
•  TRANSACTION: A Purchase, Balance Transfer or Cash Advance, as applicable. 
•  YOU, YOUR, and YOURS: Each and all of those who apply for or use the Card and/or Account. 
•  WE, US, OUR and CREDIT UNION:  KINECTA FEDERAL CREDITUNION. 

BINDING AGREEMENT: This Agreement takes effect once you activate your Card. Even if you do not use your Card, this 
Agreement will take effect unless you contact us to cancel your Account within 30 days after we sent you this Agreement. 

YOUR ACCOUNT 

2 

 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
  
 
ACCOUNT USE: Your Account use is subject to this Agreement. All Transactions are subject to our approval. You may use your 
Card to purchase goods and services in person, online, and by mail or telephone from merchants and others who accept MasterCard 
credit cards. In addition, you may obtain cash advances from the Credit Union, from other financial institutions or select merchants 
participating in the MasterCard program and from automated teller machines (ATMs) that provide access to the MasterCard system. 
Not all merchants or ATMs provide such access. You will need to use your Personal Identification Number (PIN) to obtain a cash 
advance from an ATM. A PIN may be obtained by calling (888) 891-2435. Finally, you may use your Account to transfer balances 
from  other  creditors,  provided  that  we  approve  your  request.  Balance  Transfers  are  subject  to  a  $500  minimum  transfer  amount 
requirement. 

RESPONSIBILITY: You must pay us for all amounts due on your Account, including: (1) Transactions you make, even if you did 
not  present  your  Card  or  sign  for  the Transaction;  (2) Transactions  an  Authorized  User makes;  (3) Transactions  that  other  people  
make if you or an Authorized User let them use your Account; and (4) any fees and interest charges on the Account. Your agreement 
to repay us extends to the use of the Account by you or any other person you permit to use the Account, even if that person exceeds 
your  permission.  You  cannot  disclaim  responsibility  by  notifying  us,  although  we  will  close  the  Account  if  you  so  request.  Your 
obligation to pay the Account Balance continues even though an agreement, divorce decree, or other court judgment to which we are 
not a party may direct someone else to pay the Account Balance. The Cards remain our property and you must recover and surrender 
to us all Cards upon our request and/or upon termination of this Account. 

JOINT  ACCOUNTS:  If  this  is  a  joint  Account,  each  of  you  will  be  individually  and  jointly  responsible  for  paying  all  amounts  
owed under this Agreement. This means that we can require any one of you individually to repay the Account Balance. Each of you 
authorizes the other to make Transactions individually. Any one of you may close the Account and such closure will be effective as 
to all of you. You agree that all notices regarding the Account may be sent solely to the cardholder whose name and address appears 
on  our  billing  records.  If  this  is  a  joint  account,  neither  party  can  be  released  from  his  or  her  obligations  except  upon  the  Credit 
Union’s approval. 

SIGNATURE REQUIREMENT: In order for your Card to be valid, you must activate and sign the Card as soon as you receive it. 
However, your liability does not depend on whether or not you sign your Card. 

CREDIT  LIMIT AND CASH ADVANCE  LIMIT:  We assign a Credit Limit to your Account. Part of this Credit Limit may be 
available for Cash Advances. Your Cash Advance Limit is 50% of your available credit. Your Credit Limit will be reflected on each 
periodic statement. You agree to manage your Account so that: (1) your Account Balance (including fees and charges) is not more 
than your Credit Limit; and (2) your Cash Advance balance (including fees and charges) is not more than your Cash Advance Limit. 
However,  if  your  Account  Balance  exceeds  your  Credit  Limit  or  Cash  Advance  Limit,  you  are  still  obligated  to  pay  us.  We  may 
increase  or  decrease  your  Credit  Limit  at  any  time  and  we  may  notify  you  of  such  increase  or  decrease  by  mail  or  through  a  
statement sent to the primary accountholder’s address of record, in accordance with applicable legal requirements. If you object to 
any  Credit  Limit  increase,  you  must  notify  us  immediately.  You  or  any  co-borrower  on  the  Account  may  request  a  change  to  the 
Credit Limit orally, in writing, or electronically, but any such request must be approved by us. If your Credit Limit is increased, you 
are immediately responsible for the new Credit Limit and any increase in the Account Balance even when it differs from an  amount 
previously agreed to orally or inwriting. 

CONSUMER PURPOSES: You may use your Account only for personal, family or household uses; you may not use the Account 
for business purposes. If you do use your Account for business purposes, this Agreement still applies and you must pay us for those 
Transactions. We may close your Account if we learn that you are using it for business purposes. 

UNLAWFUL TRANSACTIONS: Your Card or Account may not be used directly or indirectly in a manner that would constitute a 
crime  under  local,  state  or  federal  law,  or  in  any  illegal  activity,  including  without  limitation  (1)  any  “racketeering  activity”  as 
defined in 18 U.S.C. § 1961, or (2) any gambling, gaming, betting, or similar activity or transaction. Further, you may not use your 
Card  or  Account  for  the  purchase  of  any  goods  or  services  on  the  Internet  that  involve  gambling,  gaming,  betting,  or  any  similar 
transaction or activity. Such transactions include, but are not limited to, any quasi-cash or online gambling transaction, any electronic 
commerce transaction conducted over an open network, and any betting transaction including the purchase of lottery tickets or casino 
gaming  chips/checks  or  off-track  betting  or  wagering.  Display  of  a  payment  card  logo  by  an  online  merchant  does  not  mean  that 
internet gambling or other transactions are legal in the jurisdiction in which you are located. However, in the event that a charge or 
transaction described in this paragraph is approved and processed, you will still be responsible for such charges. If you use your Card 
or Account directly or indirectly in an unlawful manner you understand that your Account may be declared in default and that  we  
may exercise any rights available to us, including, but not limited to, accelerating your Account Balance and demanding immediate 
payment thereof. 

MOBILE PHONES OR OTHER DEVICES: Smart phones, tablets and other electronic devices can store your Card (such as 
through a mobile wallet). This means they can be used to make Purchases or other Transactions. Any such Transactions are covered 

3 

 
 
 
 
 
 
 
 
by this Agreement. Apps that use your Card to make Transactions may have separate terms of use. We are not responsible if you 
violate those terms, or for any consequences resulting from any violation. 

AGREEMENT AND BENEFIT CHANGES 

CHANGES TO THIS AGREEMENT: Account and Agreement terms are not guaranteed for any period of time. We may change 
this Agreement for any reason and at any time, subject to applicable law. This means that we can change rates and fees that apply to 
your Account. It also means we can add, remove, replace or modify provisions of this Agreement. If required by applicable law,  we 
will give you notice of the changes. If you have the right to reject a change,  we will notify you and tell you how to reject, unless  
you fail to make a required minimum payment within sixty (60) days after its due date. If we notify you of a change, we may do so 
on your periodic statement or send you a separate written notice, either of which may be sent to you in an electronic format  if you 
have agreed to receive notices from us electronically. Except as prohibited by law, any change in terms will apply to your existing 
Account Balance as well as to future Transactions. We may change the terms of this Agreement based on information in your credit 
report, market conditions, business strategy or for any other reason. 

CHANGING BENEFITS: We reserve the right to change or discontinue any benefit, rewards program, service or feature offered 
in connection with your Account, at any time and for any reason. 

ANNUAL PERCENTAGE RATES AND INTERESTCHARGES 

MASTERCARD VARIABLE RATE PROGRAM: This section explains how we calculate rates and interest charges applicable 
to your Account. We use annual percentage rates (APRs) to calculate interest charges on your Account. Our MasterCard program is 
a  variable  rate  program,  which  means  that  your  APR  may  increase  or  decrease  each  Billing  Period  while  you  maintain    your 
Account with us.  The APR that applies to your Account may vary with changes to the U.S. Prime Rate.  The U.S. Prime Rate is   
the highest 
U.S.  Prime Rate published in The Wall Street Journal (the “Index”). In the event that the U.S. Prime Rate ceases to be published, 
changes in your APR will be related to a comparable index and we will inform you on your periodic statement or through a separate 
notice. 

Your  APR  is  subject  to  change  each  Billing  Period  based  on  an  increase  or  decrease  in  the  Index.  We  calculate  your  APR  for 
Transactions by adding an amount, which we call the Margin, to the Index in effect as of the 15th day of each month preceding the 
start date of each Billing Period. These dates are referred to by us as “Adjustment Dates.” You can find the initial Index, Margin, 
Daily Periodic Rate and corresponding APR we use for your Account listed above in the section entitled Pricing Information Table. 

Your APR will increase if the Index increases and decrease if the Index decreases. If your APR increases, then your interest charges 
and Minimum Payment Due may increase. If the Index changes, we will apply the new variable APR starting from the first day of 
the Billing Period after we take the Index from The Wall Street Journal. The new APR will apply to existing balances, as well as 
balances added to your Account after the change. We may waive an increase in the APR when such an increase can be made, but 
such a waiver will not be construed as a waiver of our right to increase the APR at a future date when entitled to do so. 

There is no minimum APR that can apply during the term of this Agreement. The maximum APR that can apply during the term of 
this Agreement is 18.00%. There are no annual (or other) limitations on changes in the APR during the term of this Agreement. 

INTEREST CHARGES: Interest charges will be imposed on Transactions only if you elect not to pay the entire Account Balance 
shown  on  your  periodic  statement  by  the  Payment  Due  Date.  If  you  elect  not  to  pay  the  entire  Account  Balance  shown  on  your 
periodic  statement  by  the  Payment  Due  Date,  interest  charges  will  be  imposed  on  the  unpaid  Average  Daily  Balance  of  
Transactions from the previous statement closing date and on the new Transactions from the date of posting to your account during 
the current Billing Period, and will continue to accrue until the closing date of the Billing Period preceding the date on  which the 
entire Account Balance is paid in full. 
We calculate interest on your Account each Billing Period by applying the Monthly Periodic Rate to the Average Daily Balance 
(including new Transactions). The following explains how we do this. To get the Average Daily Balance: 

•  We start with the beginning balance of your account each day. 
•  We add any new Transactions, fees and other charges 
•  We subtract any credits or payments credited as of that day and any unpaid interest or other finance charges. 
•  This gives us the daily balance. Then, we add up all the daily balances for the Billing Period and divide the total bythe 

number of days in the Billing Period. This gives us the average daily balance. 

GRACE PERIOD: You will not pay any interest on Purchases if you pay the Account Balance, including any Balance Transfers, 

4 

 
 
  
 
 
 
 
  
 
 
 
 
 
 
 
in full by the Payment Due Date shown on your periodic statement each Billing Period. We call this a grace period on Purchases. 
Generally you will have at least a 25-day grace period from the close of each Billing Period to pay the Account Balance without 
incurring additional interest. The Payment Due Date disclosed on each periodic statement provided to you is the last day of your 
grace period for that statement’s billing cycle. If you do not pay the Account Balance, including any Balance Transfers, in full by 
the Payment Due Date in a Billing Period, you will pay interest on your Purchases from the date they are posted to your Account. 
You also will not have a grace period on Purchases again until you pay the Account Balance  in full by the Payment Due Date two 
(2) Billing Periods in a row. 

There is no grace period on Cash Advances. This means you will pay interest on Cash Advances from the date these transactions 
post to your Account. 

PAYMENTS 

MINIMUM  PAYMENT:  Every month, you must pay at least the Minimum Payment Due by the Payment Due Date shown on 
your  periodic  statement.  The  Minimum  Payment  Due  will  be  either  (1)  2.0%  of  your  Account  Balance  or  $25.00,  whichever  is 
greater; or 
(2)  your Account Balance if it is less than $25.00. In addition, you must pay any amount past due, any late charge and any amount 
over the Credit Limit. 

APPLICATION OF PAYMENTS: We decide how to apply your payments, up to the Minimum Monthly Payment amount, to the 
balances  on  your  Account.  We  will  apply  the  Minimum  Monthly  Payment  amount  in  the  following  order  (1)  periodic  interest 
charges and fees; (2) outstanding balances of Cash Advances, Balance Transfers, and Purchases previously billed, starting with the 
lowest APR first, and (3) current Cash Advances, Balance Transfers and Purchases, starting with the lowest APR first. If you  pay 
more  than  the  Minimum  Payment  Due  amount,  the  amount  in  excess  of  the  Minimum  Payment  Due  will  be  applied  first  to  the 
balances subject to the highest APR and then to balances subject to lower  APRs, in descending order of APRs until  all balances  
subject to an APR are paid in full. You must continue to make payments until you have paid the Account Balance in full. 

PAYMENT  INSTRUCTIONS:  You  must  follow  the instructions below  when  making a  payment.  If  you do,  we  will credit the 
payment to your Account as of the day we receive it. 

• 

Payments should be sent to Kinecta Federal Credit Union, Attention: Card Services Department, P.O. Box 60083, City 
of Industry, CA 91716. 

•  We must receive your payment on or before the Payment Due Date in order for your Account to be credited by the 

Payment Due Date. 

•  You must pay in U.S. Dollars. 
•  You must use a check or electronic debit issued by a financial institution in the United States (do not mail cash). 
•  You must not send us a check dated after the date that we receive it. 
•  You must not enclose more than one check per envelope. 
•  You must not include any restrictive endorsements on the check. 
•  You must follow any additional payment instructions shown on your periodic statement. 

If you do not pay in U.S. Dollars and  we accept your payment, we will select the currency conversion rate, and you must pay our 
costs. If you do not follow our payment instructions, we may not accept your payment, or there may be a delay in crediting your 
Account.  Either  may  result  in  late  fees  and  additional  interest  charges  to  your  Account.  If  you  do  not  follow  the  payment 
instructions in this Agreement or on your periodic statement, we may accept your payment without losing our rights. 

PREPAYMENT OR IRREGULAR PAYMENTS: Though you need only pay the Minimum Payment Due, you understand that 
you have the right to repay your Account Balance at any time without penalty. You also understand and agree that you will only be 
charged interest charges to the date you repay your entire Account Balance. You may make larger payments without penalty and 
this may reduce the total amount of interest charges that you will repay. If you pay more than the Minimum Payment Due in any 
month and there is still a balance due, you must continue to make Minimum Payments in future months. Any partial payment of 
your Account Balance will not advance your next payment due date(s). You understand and agree that any payment that (a) delays 
or (b) accelerates the repayment of your Account Balance will (a) increase or (b) decrease your Monthly Periodic interest charge. 

PAYMENTS  BY  AUTOMATIC  TRANSFER:  By  separate  agreement,  you  may  authorize  us  to  automatically  transfer  the 
Minimum Payment Due from your Credit Union savings or checking account. If you request payment by automatic transfer, you 
understand and agree that no payment can or will be made if there are insufficient or uncollected funds in the designated savings or 
checking account to make the scheduled payment. Should this event occur, you understand and agree that you will not be released 
from making the payment. Any automatic transfer you have requested will remain in effect until you cancel it in writing or the 

5 

 
 
 
  
 
 
 
 
 
 
 
Account Balance is paid in full. To stop a payment by automatic transfer, you may send us a letter requesting that the payment be 
stopped. Your letter must be received by Kinecta Federal Credit Union, Attention: Card Services Department, P.O. 217, Manhattan 
Beach 90267, at least three (3) business days before the automatic payment is scheduled to occur. We may cancel this service at our 
discretion. 

RECURRING  PAYMENTS:  The  use  of  your  Account  to  make  preauthorized  electronic  recurring  bill  payments  constitutes  an 
“electronic fund transfer” as defined by the federal Electronic Fund Transfer Act and Regulation E. You may be able to place a stop 
payment on a preauthorized electronic recurring bill payment in accordance with the terms of our Agreements and Disclosures with 
you. Any such stop payment order is subject to a Stop Payment Fee as set forth in our Consumer Schedule of Fees and Charge for 
each stop payment order you give. A stop payment/revocation order does not release you from the obligation to pay for goods and 
services purchased from merchants. 

PAYMENTS MARKED “PAID IN FULL”: Payments marked “paid in full” or other language used to indicate full satisfaction  
of indebtedness may be accepted by us without being bound by such language or waiving any rights under this Agreement. We will 
accept full satisfaction of indebtedness only in a written agreement, signed by an authorized representative of the Credit Union. 

CREDIT REPORTING: In connection with our issuance of a Card to you,  we are allowed to obtain information about you. We 
get it from Consumer Reporting Agencies and other sources that provide consumer financial information. We are allowed to use the 
information for: 

CREDIT REPORTING 

•  Renewal of your Account; 
•  Credit Limit increases or decreases; 
•  Administration or review of your Account, collection and any other servicing; 
•  All other credit-related purposes connected with this Agreement; 
•  Offers for other cards, insurance products and other services; and 
•  Other uses permitted bylaw. 

We report Account information in your name, as well as information about you to Consumer Reporting Agencies, on a monthly 
basis. The information we provide may appear on your credit reports. This can include information about: 

•  Late Payments; 
•  Returned Payments; 
•  Over-the-credit-limit amounts; and 
•  Other violations of this Agreement. 

If you think we have given incorrect information to a consumer reporting agency about you (or about an authorized user), contact   
us at (877) 881-6023 and we will research it. We will let you know if we agree or disagree with you. If we agree with you, we will 
contact each Consumer Reporting Agency. 

ACCOUNT INFORMATION, PRIVACY, AND COMMUNICATIONS 

ACCURACY  OF  AND  CHANGES  TO  ACCOUNT  INFORMATION:  You  represent  and  warrant  that  the  information  
provided in your credit application is accurate, and you agree to notify us in writing immediately if this information changes. If you 
do not, or if we ask you to verify your Account information and you cannot, we may suspend or close your Account. 

INFORMATION SHARING: You understand and agree that we may share information about you and your Account as permitted 
by applicable law. This includes information we obtain from you and others. Our privacy notice, describes reasons the Credit Union 
can share its members’ personal information. 

CONTACTING YOU: You agree that we (and/or our authorized agents) may contact you at any phone number, email address or 
mailing address you provide. This includes communications to mobile, cellular/wireless, or similar devices. We may contact you by 
live operator, auto-dialer, prerecorded or artificial voice, text or email. You agree to pay any charges assessed by your plan provider 
for communications we send to you, as well as communications you send to us. 

CALL MONITORING: We may listen to and record telephone calls between you and us to monitor and improve the quality of 
service you receive. 

NOTICES:  We  will  send  any  notices  to  your  billing  address,  or,  if  you  have  agreed  to  receive  notices  from  us  in  an  electronic 
format, we will send notices to you in an electronic form. We consider a notice sent as soon as we mail it. We consider an electronic 

6 

 
 
 
 
  
 
 
 
 
 
  
 
 
 
 
 
notice sent as soon as we email it, unless we receive notification that the email was undeliverable. 

EMERGENCY CARD REPLACEMENT AND EMERGENCY CASH DISBURSEMENT: We may provide your personal 
information  to  MasterCard,  Inc.,  its  members,  or  their  respective  contractors  for  the  purpose  of  providing  you  with 
emergency  card  replacement  and  emergency  cash  disbursement  and  you  agree  and  consent  to  the  release  of  this 
information. 

AUTHORIZED USERS 

ACCOUNT USE BY AUTHORIZED USERS:  You may request to add one or more Authorized Users to your Account. If we 
approve your request, use of your Account by an Authorized User is subject to the terms of this Agreement. You must: 

•  Obtain permission from each Authorized User before naming him or her as an Authorized User on your Account. 
•  Make a copy of this Agreement available to each Authorized User. 
• 
•  Notify us to remove an Authorized User from your Account. If we remove an Authorized User, we may close your 

Pay us for all charges incurred by each Authorized User. 

Account, open a new Account, and issue you a newCard. 

We may limit the number of Authorized Users on your Account. You are responsible for: 

•  Any Transactions made by an Authorized User on your Account. 
•  Any Transaction made by an Authorized User even if the post date shown on your periodic statement for that Transaction 

occurs after the date you ask us to remove the Authorized User from your Account. 
•  Any Transactions made by others if an Authorized User allows them to use your Account. 
• 

Fees and charges resulting from any Transactions made by an Authorized User or others if an Authorized User allows 
them to use your Account. 

ACCOUNT  INFORMATION  RIGHTS  FOR  AUTHORIZED  USERS:  We  are  permitted  to  discuss  your  Account  with  an 
Authorized User. This includes giving him or her access to your Account information and history. You understand and agree that an 
Authorized User may use and receive information about the Account the same way you do. An Authorized User cannot add other 
Authorized Users, adjust the Credit Limit or close the Account. 

WHAT CAN AUTHORIZED USERS DO? 

•  Report lost or stolen Cards 
• 
Initiate billing disputes 
•  Change the billing address for your Account 
•  Obtain Account Information, such as Transaction histories 
•  Request periodic statement copies 
•  Make payments 
•  Request refund checks 

INFORMATION  ABOUT  AUTHORIZED  USERS:  You agree to give us certain personal information about each Authorized 
User. You must let each one know that you will give us that information and you must have his or her permission to do so. You 
must have permission from each one to allow us to share information about him or her as permitted by applicable law. This includes 
information we may obtain from you, any Authorized User and others. It also includes information about their Transactions on  the 
Account. 

CREDIT  REPORTING:  We report information about this  Account to  Consumer  Reporting  Agencies in the  Authorized User’s 
name that may appear on their credit report. This could include information about: 

•  Late Payments; 
•  Returned Payments; 
•  Over-the-credit-limit amounts;and 
•  Other violations of this Agreement. 

You understand and agree that you must let each Authorized User know that we report Account information in his or her name. 
Please also refer to the Credit Reporting sectionabove. 

DEFAULT, CLOSING OR SUSPENDING THE ACCOUNT 

DEFAULT:  You will be in default if: 

7 

 
 
 
  
 
 
 
 
 
 
 
 
  
 
 
•  You do not pay at least the Minimum Payment Due or other required payment by the due date; 
•  You have a Returned Payment; 
•  You do not honor any of the terms of this Agreement; 
•  You make any false or misleading statements in any credit application or credit  update; 
•  Your creditworthiness is impaired; 
•  You file for bankruptcy or some other insolvency proceeding is filed by or against you; 
•  You are declared incompetent or mentally incapacitated, or you die; or 
•  You are in default under any other loan you have with us (excluding real estate loans). 

CLOSING  OR  SUSPENDING  YOUR  ACCOUNT;  ACCELERATION:  If  any  of  the  events  listed  above  occurs,  we  may 
temporarily or permanently  suspend any and all  Account  and Card privileges and/or  we  may demand immediate payment of the 
Account Balance. We may close or suspend your Account at any time, without notifying you, as permitted by law. If we ask, you 
must return your Card(s) to us, cut in half. You agree that you will not attempt to make a Purchase or obtain a Cash Advance after 
you have been notified that your privilege to use your Account has been terminated. We may cancel your current Card and issue  
you a substitute Card at any time. You may close your Account at any time by notifying us in writing, and you must include your 
signature. If we close or suspend your Account, or if you close your Account, you understand and agree that you remain obligated  
to repay the entire Account Balance. You understand and agree that interest charges at the APR as permitted under this Agreement 
will continue to accrue until you repay your entire Account Balance. 

TRANSACTIONS 

REFUSAL  OF  THE  CARD:  Most  Transactions  require  approval  of  funds,  which  result  in  placing  a  hold  against  your  Credit 
Limit. We do not guarantee approval of Transactions. We are not liable for those that are not approved, even if you have enough 
available credit on your Account. We may also limit the number of Transactions approved per day. We may, although we are not 
required to, approve Transactions above your available Credit Limit. 

SUSPICIOUS ACTIVITY:  We are committed to keeping your financial transactions as secure as possible. We use a credit card 
fraud  detection  system  designed  using  neural  network  technology  that  “learns”  your  credit  card  purchase  patterns.  The  system 
analyzes  authorization  requests  for  your  Card  in  real  time  and  compares  them  to  your  purchase  history  as  well  as  current  fraud 
trends. If we detect unusual transaction patterns, we can take action to reduce the potential for fraud, including but not limited to 
suspending credit privileges. As your profile and transactions change over time, the system updates its files. We reserve the right to 
identify Transactions as unauthorized or fraudulent and subsequently to decline those Transactions. We are not responsible for any 
loss or damage arising out of any declined Transaction. 

TRAVEL  ADVISORY:  A Transaction in a geographic area where you do not usually use your Card may trigger the credit card 
fraud detection system. We encourage you to provide us with prior notice of any anticipated Card activity that may be out of  your 
ordinary  pattern  of  Card  Transactions,  such  as  high  transaction  amounts,  high  transaction  volume,  any  anticipated  transactions 
outside  of  the  geographic  areas  where  you  normally  use  your  card,  and  any  anticipated  transactions  outside  the  U.S.  You  may 
provide this notice by calling: 

•  Domestic:  (877) 881-6023 
• 
•  To verify Account activity if Card is blocked: (877) 881-6023. 

International:  (310) 643-2106 

MERCHANT  FEES:  Some  merchants,  including  merchants  outside  the  U.S.,  may  charge  you  a  fee  to  use  your  Card  for  a 
Purchase. The fee will be either a percentage of the amount of your Purchase or a flat fee, and will be added to the amount of your 
Purchase. 

Usually, a  merchant  will  tell  you about this  fee before  you use  your  Card, but  not always. We do not control these  fees and  we 
cannot prevent them. 
MERCHANT DISPUTES: The Credit Union is not responsible for the refusal of any merchant or financial institution to honor the 
Account and/or Card. We are subject to claims and defenses (other than tort claims) arising out of goods or services you purchase 
with the Card only if you have made a good faith attempt but have been unable to obtain satisfaction from the merchant, and (1) 
your Purchase was made in response to an advertisement we  sent or participated in sending you; or (2) your Purchase cost more  
than $50 and was made from a merchant in your state or within 100 miles of your current mailing address. Any  other dispute you 
must resolve directly with the merchant. 

RETURNS  AND  ADJUSTMENTS:  If  a  merchant  discloses  a  policy  such  as  “no  returns,”  “no  refunds,”  “no  return  or  credit 
without receipt,” “as is,” “store credit only” or “all sales final,” you will be bound by that policy when you use your Card to buy 
goods or services from that merchant. A merchant refund to your Account will post to your Account as a credit. We do not control 

8 

 
 
 
  
 
 
 
 
 
 
when a  merchant  sends an  Account credit.  We  will choose how to apply the credit to your existing  Account Balance. If a credit  
fails to post to your Account, you may request our help in having the credit applied to your Account by sending us a copy of  the 
credit receipt issued by the merchant. You have the sole responsibility to obtain written proof of credit and to retain copies of credit 
receipts until the credit is properly applied to your Account. If your credits and payments exceed what you owe us, we will hold and 
apply  this credit balance against future  Transactions, or if  it is $1.00 or  more, refund it  on  your  written request or automatically  
after six (6) months. 

RECURRING AUTHORIZED TRANSACTIONS: If you authorize a merchant or any other person to charge your Account for 
recurring Transactions, you must notify the merchant if: 
•  You want to discontinue these Transactions; 
•  Your Account is closed; 
•  Your Account number changes; 
•  Your Card expiration date changes. 

You are responsible for reinstating any recurring authorized Transactions. 

INTERNET  TRANSACTIONS:  You  may  activate  your  Card  in  MasterCard’s  SecureCode®  program  at  www.kinecta.org.  To 
complete  transactions  over  the  Internet,  merchants  may  request  your  SecureCode®  password  to  complete  the  transactions.  If  a 
password  is  not  provided,  or  you  do  not  successfully  register  with  SecureCode®,  the  merchant  may  deny  the  transaction.  If  the 
password is incorrect,  we may deny the transaction. You can select or change your password and view additional terms online at 
www.kinecta.org  and  clicking  on  the  SecureCode®  links  under  the  credit  card  page.  You  acknowledge  and  agree  that  if  you  
disclose your SecureCode® password to another person, you are authorizing that person to transact on your Account. 

TERMS AND CONDITIONS APPLICABLE TO MASTERCARD CONVENIENCECHECKS 

CHECK USES: Convenience Checks (including balance transfer checks) are checks that the Credit Union may send you to access 
your  Account  from  time  to  time.  The  following  terms  will  apply  to  the  use  of  those  checks  unless  otherwise  disclosed  with  the 
checks.  You  can  use  your  Convenience  Checks  to  purchase  goods  and  services,  to  obtain  cash  up  to  the  amount  of  your  Cash 
Advance Limit, or to conduct Balance Transfers up to the amount of your Credit Limit. Use of Convenience Checks to purchase 
goods and services or to obtain cash up to the amount of  your Credit Limit is considered a Cash Advance on your account. The 
Credit  Union  will  charge  interest  beginning  as  of  the  date  the  Credit  Union  receives  the  Convenience  Check.  You  cannot  avoid 
paying  interest  on  Convenience  Check  transactions.  Any  special  rules  applicable  to  credit  card  purchases  described  in  this 
Agreement or any other features pertaining to card purchases do not apply to Convenience Checks. 

LIMITATIONS: We are not required to honor a Convenience Check that will cause you to exceed your Credit Limit. We will not 
pay a Convenience Check if at the time that it is presented: 

•  You are in default or we have suspended, terminated, or canceled your Account; 

•  The Convenience Check is not in the form we have issued to you; 

•  Your signature or the payee’s name or endorsement is missing on the Convenience Check or the Convenience Check 

appears altered; or 

•  Your Convenience Check ispost-dated. 

Convenience  Checks  may  be  used  only  by  the  person(s)  whose  name(s)  is/are  printed  on  the  check.  You  are  responsible  for  all 
authorized use of Convenience Checks. You may not use Convenience Checks to make a payment on any other obligation you have 
with the Credit Union, including paying any amount that you owe  us pursuant to this Agreement.  Certain merchants may inform  
you of their intent to convert your Convenience Check payment to an electronic ACH debit. For mailed payments, this notification 
will be provided at the time you receive a bill. For payments made in person, this notification will be provided at the time payment 
is made. You understand and agree that Convenience Checks are ineligible for conversion to an ACH debit and if presented by a 
merchant to us for payment, we are required to reject and return the entry. Using Convenience Checks for payments to merchants 
who have notified you of their intent to convert your check to an ACH debit may result in merchant returned item fees and/or  late 
charges. You further understand and agree that you may not attempt to authorize a one-time advance from your Account via ACH 
by providing check information (such as the routing, account, and serial numbers) to a merchant or other payee in person, via the 
Internet or by telephone for the purpose of having such merchant or other payee electronically initiate a funds transfer. The Credit 
Union  will  not  be  liable  for  any  fees  you  incur  as  a  result  of  the  Credit  Union’s  failure  to  honor  a  Convenience  Check  that  is 
converted to an ACH debit. 

PERIODIC  STATEMENTS:  Your periodic statement will show you an itemization of the Convenience Checks posted to your 
Account during the Billing Period. Convenience Checks paid by the Credit Union will not be returned to you with your periodic 

9 

 
 
 
 
  
 
 
 
statement. 

RETURNED  CONVENIENCE  CHECK:  The  Credit  Union  will  charge  you  a  Returned  Convenience  Check  Fee  of  $25  per 
returned check which will be billed to your Account if a Convenience Check(s) cannot be paid. The Credit Union may decline to 
honor such Convenience Checks if, for example: 

•  The amount of the Convenience Check would cause you to exceed your Cash Advance Credit Limit; 

• 

• 

• 

If you are in default; 

If you did not comply with the instructions included with the Convenience Check; 

If the Convenience Check appears altered or is missing information; 

•  The Convenience Check was used by someone other than the person to whom the Convenience Check was sent; 

•  The Card has expired or was revoked; 

•  Your Account is closed or suspended; or 

•  The Convenience Check was converted to an ACH transaction. 

STOP  PAYMENT:  Provided  your  request  is  timely,  you  may  order  a  stop  payment  on  a  Convenience  Check  drawn  on  your 
Account. To stop payment on a Convenience Check, you must call us at (877) 881-6023 during regular business hours and provide 
us with the following information: the Account number, the payee, any check number that may be applicable, and the exact amount 
of     the Convenience Check. If you order a stop payment on a Convenience Check orally, the order will be valid for only fourteen 
(14) days thereafter, unless confirmed in writing. Written stop payment orders will remain in effect only for six (6) months, unless 
renewed in writing. You have the burden of establishing the fact and amount of loss resulting from payment contrary to a binding 
stop payment. The Credit Union is not required to notify you when a stop payment order expires. If the Credit Union re-credits your 
Account after paying a Convenience Check over a valid and timely stop payment order, you agree to sign a statement describing the 
dispute with the payee, to assign to the Credit Union all of your rights against the payee or other holders of the check and  to assist 
the  Credit  Union  in  any  legal  action.  You  agree  to  indemnify  and  hold  the  Credit  Union  harmless  from  all  costs  and  expenses, 
including attorneys’ fees, damages, or claims, related to the Credit Union honoring your stop payment request or in failing  to stop 
payment of an item as a result of incorrect information provided to the Credit Union or the giving of inadequate time to act upon a 
stop payment request. 

SURRENDER OF CONVENIENCE CHECKS: Convenience Checks are the Credit Union’s property; the Credit Union reserves 
the right to revoke them at any time. You agree to return them at the Credit Union’s request. 

MISCELLANEOUS 

PROMOTIONAL RATE OFFERS: From time to time and at our discretion, we may offer you a promotional APR for all or any 
part of your Account Balance, Balance Transfer or future transactions. The period of time for which the promotional APR applies 
may be limited. Any applicable promotional APR, the corresponding periodic rates, and the period of time during which they are in 
effect will appear on the offer. Any promotional rate offer will be subject to the terms of the offer and this Agreement. 

LOST OR STOLEN CARD, NOTIFICATION AND LIABILITY: You will notify us IMMEDIATELY if you believe that your 
Card, Account number, PIN, or any combination of the three has been lost or stolen by immediately calling us at (877) 881  -6023 
between 12:00 a.m. and 11:59 p.m. PST, Monday through Friday, excluding holidays and weekends or after Credit Union hours at 
(877)  881-6023/International  Number  (310)  643-2106.  Telephoning  is  the  best  way  of  keeping  your  possible  losses  down.  You 
understand that your total liability to us  will not exceed $50.00 for any Account and/or Card Transactions resulting from the loss, 
theft,  or  other  unauthorized  use  of  the  Account  and/or  Card  that  occurs  prior  to  the  time  you  give  notice  to  us.  Your  liability  for 
unauthorized use may be lower in cases of MasterCard fraud in accordance with current MasterCard, Inc. Operating Rules. 

You agree that in the event of a lost, stolen, not received or counterfeited card or fraudulent activity on your Account, you and all 
parties given access to the Account will complete an affidavit of forgery in a form approved by the Credit Union. You also agree to 
assist us in determining the facts, circumstances, and other pertinent information related to any loss, theft or possible unauthorized 
use  of  your  Card,  Account  number  or  PIN  and  to  comply  with  such  other  procedures  as  we  may  require  in  connection  with  our 
investigation. 

INACTIVE ACCOUNT: If your Account does not have any activity for twelve (12) consecutive months, it will be considered an 
inactive  account  and  your  ability  to  take  advances  against  your  Credit  Limit  may  be  suspended.  If  your  Account  is  inactive  for 
twenty-four (24) consecutive months, we may close it. 

10 

 
 
  
 
 
 
 
PERIODIC  STATEMENTS:  Your  Card  or  other  Account  activity  will  be  reflected  on  your  periodic  statement  (Statement).  We  
will send you a Statement for each Billing Period in which Transaction activity has occurred on your Account, and at least quarterly  
if  no  activity  has  occurred.  Your  Statement  will  identify  the  merchant,  electronic  terminal,  or  financial  institution  at  which 
transactions were made, but sales, cash advance, credit, or other receipts cannot be returned with the Statement. You agree to retain 
the copy of such receipts furnished at the time of the transaction in order to reconcile your Statement. If you request a copy of any 
sales  draft  or  similar  document,  a  Document  Copy  Fee  may  be  imposed  by  us.  This  fee  will  not  be  imposed,  however,  if  it  was 
requested  in  connection  with  a  billing  error.  Statements  will  be  mailed  or  delivered  electronically  if  you  have  agreed  to  receive 
notices from us in an electronic format only to the address of the person named first onthe Account. 

ASSIGNMENT:  We may sell, transfer or assign this Agreement and your Account to a third party at any time without notifying 
you. You may not sell, assign or transfer your Account or any of your obligations under this Agreement. 

ENFORCING THIS AGREEMENT: We will not lose our rights under this Agreement because we delay in enforcing them or fail 
to enforce them. If any provision of this Agreement is found to be unenforceable, all other provisions of the Agreement will  remain 
in effect. 

INTEGRATED DOCUMENT(S): You understand and agree that any separate sheet of paper, which is delivered together with this 
Agreement and incorporates this  Agreement by reference, is an integrated part of this  Agreement.  Any  future amendments to this 
Agreement will be labeled as such and will form an integrated part of this Agreement. 

COLLECTION  COSTS:  To  the  extent  permitted  by  law,  you  are  liable  to  us  for  our  legal  costs  if  we  refer  collection  of  your 
Account to an attorney who is not our salaried employee. These costs may include reasonable attorneys’ fees, as well as costs and 
expenses of any legal action. You understand and agree that interest charges will continue to accrue at the APR permitted under this 
Agreement until you repay your entire Account Balance. 

UNFORSEEN  CIRCUMSTANCES:  From  time  to  time,  our  services  might  be  unavailable  due  to  circumstances  beyond  our 
control, such as fires, floods, natural disasters, system failures or other unpredictable events. When this happens, you may not be able 
to use your Card or obtain information about your Account. We are not responsible or liable if this happens. 

GOVERNING LAW: You understand and agree that this Agreement is made in California will be governed by the laws of the State 
of California to the extent that California law is  not inconsistent  with controlling federal law. You also understand and agree that 
California's choice of law rules will not be applied if they would result in the application of non-California law. 

MEMBERSHIP REQUIREMENT: You understand and agree that you must be and remain a member in good standing with us to 
be  eligible  for  continuing  Account  and/or  Card  privileges  including  future  Transactions.  You  understand  and  agree  that  we  may 
suspend or close the Account and/or Card privileges during any period in which you do not maintain your membership with us. 

FINAL EXPRESSION: This Agreement is the final expression of the terms and conditions of your Account. This Agreement may 
not be contradicted by evidence of any alleged oral agreement. 

COPY RECEIVED: You acknowledge receipt of a copy of this Agreement and agree to accept its terms. 

NOTICE: See the statement below for important information regarding your right to dispute billing errors. 

YOUR BILLING RIGHTS:  KEEP THIS DOCUMENT FOR FUTUREUSE 

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: CARD SERVICES 

Dispute Processing 
P.O. Box 10409 
Des Moines, IA 50306 

In your letter, give us the following information: 

11 

 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
•  Account information:  Your name and account number. 

•  Dollar amount:  The dollar amount of the suspected error. 
•  Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it 

is a mistake. 

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 beenanerror: 

•  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 

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 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, you will contact us in writing at: CARD 

SERVICES 
Dispute Processing 
P.O. Box 10409 
Des Moines, IA 50306 

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. 

12