23. IRREGULAR PAYMENTS: We can accept late payments or partial
payments, or checks and money orders marked “payment in full”
without  prejudice  to  our  rights  under  this  Agreement,  which  are
hereby explicitly reserved.
24. DEFAULT: You will be in default if you fail to pay as agreed, fail to
comply with any provision of this Agreement, if you provide us with
false information or signature, if you default on any account or other
obligation that you have with us, or if you die, become insolvent, or
file bankruptcy.
25. ATTORNEYS FEES AND COSTS: If you default on any part of this
Agreement,  you  agree  to  pay  us  all  costs  to  collect  your  account,
including court costs and reasonable attorneys fees whether or not there
is a lawsuit, and fees on any appeal and fees for bankruptcy proceedings,
appeals, and any post-judgment collection services, if applicable.
26.  TERMINATION: We  may  terminate  or  suspend  your  credit
privileges under this Agreement, at any time, in our sole discretion,
without demand or notice. If we are required by law to give you a
reason for adverse action for credit denied, we will do so. You must
notify us in writing if you decide to terminate the Agreement. If you
terminate this Agreement or if we terminate or suspend your credit
privileges,  the  provisions  of  the  Agreement  and  your  liability
hereunder shall otherwise remain in full force and effect until all cards
or credit instruments or devices issued to you have been canceled
and/or returned to us and you have paid us all sums due us.
27. NON-REISSUANCE: For security purposes, Star One Credit Union
VISA  Credit  Cards  are  reissued  every  two  years.  If  at  the  time  of
reissue your VISA Credit Card Account has been inactive for at least
12 months, we reserve the right to not reissue you a new Card and
may close your VISA account.
28. TRANSFER OF ACCOUNT: You cannot transfer your account to
any other person.
29. ACCELERATION: If you are in default as provided above, or if we
in  good  faith  reasonably  believe  that  the  prospect  of  payment  or
performance is impaired, amounts you owe us shall, at our option and
without notice, become immediately due and payable.
30. DELAY IN ENFORCEMENT: We can delay enforcing any right under
this Agreement without losing that right or any other right.
31. AMENDMENT: We reserve the right to amend the terms of this
Agreement at anytime as permitted by and subject to any limitations
and notice requirements of applicable law.
32. SEVERABILITY: If any provision of this Agreement is held invalid,
all provisions that are severable from the invalid provision remain in
effect.
33. OWNERSHIP OF CARDS: Any Card or other credit instrument or
device which we supply to you is our property and must be returned
to us, or any person whom we authorize to act as our agent, or any
person  who  is  authorized  to  honor  the  Card.  The  Card  may  be
repossessed at any time at our sole discretion without any demand or
notice.
34. PIN SECURITY: You agree not to disclose or otherwise make your
Card or Personal Identification Number (“PIN”) available to anyone
without prior written consent. You agree not to disclose or otherwise
make available your PIN to anyone not authorized to sign on your
account. For security reasons, please do not write your PIN on your
Card or keep it in the same location as your Card.
35.  CURRENCY  CONVERSION/FOREIGN  TRANSACTION  FEE:
Purchases and cash advances made in foreign currencies will be billed
in U.S. dollars. The conversion rate in U.S. dollars will be either at the
government  mandated  rate  or  a  wholesale  currency  market  rate
determined by VISA® for the processing cycle in which the transaction
is processed.
The currency conversion rate used by VISA® on the processing date
may differ from the rate that would have been used on the purchase

date or cardholder statement posting date. The Credit Union has no
control over the conversion rate. In addition to the conversion rate
selected by VISA®, a separate VISA International Service Assessment
Fee up to 1% is charged to the Credit Union and will also appear as a
separate line item on your statement.
36. CREDIT REPORTS: You authorize us to make or have made any
credit, employment and /or investigative inquiry we deem appropriate
for  the  extension  of  credit  or  collection  of  amounts  owing  on  the
account.  We  can  furnish  information  concerning  your  account  to
consumer  reporting  agencies  and  others  who  appear  to  have  a
business need for that information.
37. ADDRESS: You agree to advise us promptly if you change your
mailing address. We can accept address corrections received from the
U.S. Postal Service for any authorized user. All written notices and
statements from us to you will be sent to your address as it appears on
our records.
Written notices and inquiries from you to us must be sent to:

Star One Credit Union
P.O. Box 3643
Sunnyvale, California 94088-3643
38. GOVERNING LAW: This Agreement will not take effect until it is
approved by the Credit Union in the State of California. All payments
shall be made to the Credit Union at the Credit Union’s offices. This
Agreement shall be governed by the laws of the State of California.
39. PHONE CALLS: In the regular course of our business, we may
monitor  and  record  phone  conversations  made  or  received  by  our
employees. You agree that we will have such right with respect to all
phone conversations between you and our employees, whether initiated
by you or any of our employees.

YOUR BILLING RIGHTS
This notice contains important information about your rights and our
responsibilities under the Fair Credit Billing Act. NOTIFY US IN CASE OF
ERRORS OR QUESTIONS ABOUT YOUR STATEMENT. If you think your
statement  is  wrong,  or  if  you  need  more  information  about  a
transaction on your statement, write us (on a separate sheet) at the
address listed on your statement. Write to us as soon as possible. We
must hear from you no later than 60 days after we sent you the first
statement on which the error or problem appeared. You can telephone
us, but doing so will not preserve your rights.
In your letter, give us the following information:

• Your name and account number.
• The dollar amount of the suspected error.
• Describe the error and explain, if you can, why you believe there
is an error. If you need more information, describe the item you
are not sure about.

If you have authorized us to pay your Credit Card bill automatically from
your  savings  or  checking  account,  you  can  stop  payment  on  any
amount you think is wrong. To stop the payment your letter must reach
us three business days before the automatic payment is scheduled to
occur.
YOUR  RIGHTS  AND  OUR  RESPONSIBILITIES  AFTER  WE  RECEIVE
YOUR WRITTEN NOTICE.
We  must  acknowledge  your  letter  within  30  days,  unless  we  have
corrected the error by then. Within 90 days, we must either correct the
error or explain why we believe the statement was correct. After we
receive your letter, we cannot try to collect any amount you question,
or report you as delinquent. We can continue to bill you for the amount
you question, including FINANCE CHARGES, and we can apply any
unpaid amount against your Credit Line. You do not have to pay any
questioned  amount  while  we  are  investigating,  but  you  are  still

obligated to pay the parts of your statement that are not in question.
If we find that we made a mistake on your statement, you will not have
to pay any FINANCE CHARGES related to any questioned amount, if we
didn’t make a mistake, you may have to pay FINANCE CHARGES, and
you  will  have  to  make  up  any  missed  payments  on  the  questioned
amount. In either case, we will send you a statement of the amount you
owe and the date that it is due.
If you fail to pay the amount that we think you owe, we may report you
as delinquent. However, if our explanation does not satisfy you and you
write to us within ten days telling us that you still refuse to pay, we must
tell  anyone  we  report  you  to  that  you  have  a  question  about  your
statement. And we must tell you the name of anyone we reported you to.
We must tell anyone we report you to that the matter has been settled
between us when it finally is.
If  we  don’t  follow  these  rules,  we  can’t  collect  the  first  $50  of  the
questioned amount, even if your statement was correct.
SPECIAL RULE FOR CREDIT CARDS
If you have a problem with the quality of property or services that you
purchased with a 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  property  or  services.  There  are  two
limitations on this right: (a) you must have made the purchase in your
home state or if not within your home state within 100 miles of your
current mailing address, and (b) the purchase price must have been more
than  $50.  These  limitations  do  not  apply  if  we  own  or  operate  the
merchant  or  if  we  mailed  you  the  advertisement  for  the  property  or
services.

STAR ONE CREDIT UNION

Sunnyvale
1080 Enterprise Way, Suite 150
Sunnyvale, CA 94089
Enterprise Way & 11th Ave.

Cupertino
10991 North DeAnza Blvd.
Cupertino, CA 95014
DeAnza Blvd. & Homestead Road

San Jose
1090 Blossom Hill Road
San Jose, CA 95123
Blossom Hill Road & Almaden Expwy

San Jose
3136 Stevens Creek Blvd.
San Jose, CA 95117
Stevens Creek Blvd. & S. Winchester Blvd.

Palo Alto
3903 El Camino Real
Palo Alto, CA 94306
El Camino Real & Ventura Ave.

Administration Building
1306 Bordeaux Dr
Sunnyvale, CA 94089

Mailing Address
Star One Credit Union
P.O. Box 3643
Sunnyvale, CA 94088-3643

Phone Numbers
866-543-5202
408-543-5202

WEB ADDRESS
www.starone.org

STR-1030 (11/10)

VISA Credit Card
Agreement
and
Disclosure
Statement for:
Platinum, Gold
and Classic

11/2010

VISA CREDIT CARD AGREEMENT

1.  DEFINITION  OF  PARTIES:
This  VISA  Credit  Card  Agreement
(“Agreement”) covers your VISA Credit Card (“Card”) issued through Star
One Credit Union. In this Agreement the words “you,” “your,” and “yours”
include any joint obligator, guarantor, authorized user, or the person whose
name is embossed on the Card. The words “we,” “us,” and “our” mean
Star One Credit Union.
2. AGREEMENT ACCEPTANCE: If you sign an application for any account
under  this  Agreement  or  sign  or  use  any  Card(s)  issued  or  Personal
Identification Number (PIN); or allow others to use the account, Card(s),
or PIN, you and they will have accepted this Agreement just as if you and
they signed it, and you and they, jointly and severally, will be bound by
the following terms and conditions.
3. SIGN YOUR CARD: Immediately sign the signature panel on the back
of your Card upon receipt. The Card must be signed in order to be valid.
4. VISA CREDIT LINE: We have established and advised you of the “Credit
Line,” which is the limit on the total balance that may be outstanding in
your account at any one time. Your VISA Credit Line is to be considered
a  signature  loan.  The  maximum  signature  limit  cannot  be  exceeded.
Therefore, other outstanding signature loans must be taken into account
when your VISA Credit Line is established. You agree not to attempt to
obtain more credit than the amount of your Credit Line. However, if you
temporarily exceed your VISA Credit Line, you agree to repay the excess
immediately, even if we have not yet billed you. Obtaining such credit does
not increase your VISA Credit Line; however, we can increase your VISA
Credit Line at our sole discretion.
5.  USING  YOUR  CARD: You  may  use  your  account  for  purchases  of
services and merchandise from participating merchants that honor your
Card.  You  may  also  use  your  Card  to  obtain  a  cash  advance  from
participating  financial  institutions.  Neither  we  nor  any  merchants
authorized to honor the Card will be responsible for the failure or refusal
of anyone to honor the Card or any other credit instruments or devices we
supply to you.
6. ILLEGAL OR UNLAWFUL TRANSACTIONS: You agree that you will not
use the Card for any illegal or unlawful transaction, and we may decline to
authorize any transaction that we believe poses an undue risk of illegality
or unlawfulness. You agree that Star One Credit Union will not have any
liability, responsibility, or culpability whatsoever for any such use by you
or any authorized user(s). You further agree to indemnify and hold Star
One Credit Union harmless from any suits, liability, damages, or adverse
action of any kind that results directly or indirectly from such illegal use.
7. ATM ACCESS FOR CASH ADVANCES/ATM CASH ADVANCE LIMITS:
Your Card and Personal Identification Number (PIN) can be used to obtain
cash advances from your VISA Credit Card account at Star One Credit
Union ATMs and at other ATMs in the VISA ATM network and other such
machines  or  facilities  that  we  may  designate.  There  are  no  fees  for
requesting cash advances on Star One Credit Union owned ATMs. There
may be fees for cash advances at ATMs owned by other institutions. You
may  obtain  cash  advances  against  your  account  up  to  a  maximum
aggregate total of $500 per day provided sufficient funds are available.
8. CHECKING ACCOUNT OVERDRAFT COVERAGE: Your VISA Credit Card
may  also  provide  Overdraft  Coverage  on  your  Star  One  Credit  Union
checking account. If you authorize us to link your Credit Card account to
your checking account for overdraft coverage and the balance in your
checking account is not sufficient to pay the transaction amount, we may
treat the transaction as a request to access your VISA Credit Line. The
funds may be transferred from your VISA Credit Line into your checking
account  in  $100  increments.  These  transfers  will  be  treated  as  cash
advances. If sufficient credit is not available on your VISA Credit Card
account to cover the amount of the check or other item, we will be unable
to initiate a cash advance loan advance under this Agreement for purposes
of checking account overdraft coverage.

Limit: Your Checking Account Overdraft Coverage limit will be part of,
and  not  in  addition  to,  your  total  approved  Credit  Line  under  this
Agreement.
Liability For Overdrafts Caused by Any Checking Account Signer: You
understand that if advances are made against your VISA account to cover
overdrafts to your checking account created by other persons with the
right to access said checking account, you will be fully liable for such
advances nonetheless.
9. VISA CONVENIENCE CHECK: If we approve, you may obtain advances
under your Account by writing preprinted VISA convenience loan checks
that we supply to you.  Your use of loan checks will be shown as cash
advances on your monthly statement.  We may not honor your loan check
if:  your check is post-dated; payment of the check would exceed your
Credit Limit; a check is signed by person without authorized access; the
amount of the check is less than the minimum required amount; your
Account has been terminated or suspended, or any drafts have been
reported lost or stolen.  You may stop payment on a loan check if you
provide us with the exact information describing the check.  If you give
us incorrect information, we will not be responsible for failing to stop
payment.  You understand there may be a charge for each stop payment
order requested.  Our liability for a wrongful dishonor is limited to your
actual charges, however, a dishonor for the reasons stated above is not
a  wrongful  dishonor.    Only  the  person  whose  name  is  printed  on  a
convenience check may sign it.  All convenience checks must be written
in U.S. dollars.  We will not certify a convenience check.  You may write
these checks for any amount providing your total outstanding balance
does not exceed your available credit limit and your credit card remains
in good standing.  We are entitled to return it unpaid if there is not enough
available credit on your account to pay it, if you are in default under this
Agreement, if your card or convenience checks have been reported lost
or stolen, or if the convenience check is post-dated.  Over-limit fees will
be charged as applicable.  A VISA convenience check may not be used to
make a payment on your VISA credit card account or any other Star One
loan  obligation.    The  Credit  Union  shall  have  no  liability  for  any
convenience check returned in excess of your credit line. 
10.  YOU  PROMISE  TO  PAY: You  promise  to  pay  us  in  United  States
dollars, by cash, check or money order as provided by this Agreement,
all such amounts, plus FINANCE CHARGES, which arise from such use
of the Card or account by you or any other person, and to be jointly and
severally liable with such a person, unless such other person does not
have actual, implied, or apparent authority for such use, and you received
no benefit for the use.
11. MINIMUM PAYMENT REQUIRED: Minimum Monthly Payment. We
will mail you a statement every month if your account has a balance. You
agree that you will pay each month not less than the minimum monthly
payment on or before the scheduled monthly due date. The minimum
monthly  payment  will  be  3.5%  of  your  outstanding  balance  (“New
Balance”) or $20.00, whichever is greater. If your outstanding balance is
$20.00 or less, you agree to pay the balance in full. You may pay in full
for all your purchases and cash advances each month, or you may repay
in  monthly  installments.  We  can  accept  late  payments  or  partial
payments, or checks, drafts, or money orders marked “payment in full”
without prejudice to our rights under this Agreement, which are hereby
explicitly reserved. A credit posting from a merchant or reversal of fees
do not constitute a minimum payment. The minimum monthly payment
may be allocated at the Credit Union’s discretion to pay off lower rate
balances, such as promotional offers, before higher rate balances, such
as cash advances or purchases.  Payments in excess of the minimum
monthly  payment  will  be  allocated  first  to  higher  rate  balances,  as
applicable. 
12.  AUTOMATIC  PAYMENT  OPTION: If  you  have  elected  Automatic
Payment (or “AutoPay”), the Credit Union will automatically deduct and
transfer your monthly VISA Credit Card payment from your designated
Credit Union, checking or savings account on the scheduled Payment
Due Date. The Automatic Payment Option is voluntary, is not a condition

of credit or this Agreement and can be withdrawn by you at any time.
The Automatic Payment option remains in effect until the Credit Union
receives  notification  from  you  terminating  the  arrangement.  Your
request  for  termination  must  give  the  Credit  Union  reasonable
opportunity to act on it.
When you elect AutoPay, you agree that we may adjust the automatic
payment amount each month to agree to either the minimum monthly
payment (Required Payment Due) or “Payment in Full” as authorized
by you. Notification of the varying payment amount due and scheduled
payment due date will be satisfied by providing you with a monthly
billing statement reflecting this information. If sufficient funds are not
available to satisfy the total amount of the payment when due; we will
take whatever funds are available each processing day between the
payment  due  date  and  the  account  cycle  date  until  the  minimum
payment is satisfied. If due to insufficient funds we do not transfer
funds to make your required VISA Credit Card payment, you will be
responsible to ensure that the required VISA Credit Card payment is
made.
13. FINANCE CHARGES: The total outstanding balance of purchases,
cash, and overdraft advances in the Account on the closing date of any
Billing Cycle, including any FINANCE CHARGES, will be shown on the
Periodic Statement for that billing Cycle as the “New Balance.”
(a) Purchases. A FINANCE CHARGE will be imposed on the portion of
purchases included in the New Balance that remains unpaid within
25 days after the closing date.  This “grace period” allows you to
avoid  a  FINANCE  CHARGE on  purchases  for  a  billing  cycle.
However, if you do not pay the New Balance for purchases within
the grace period, your FINANCE CHARGE will accrue on any unpaid
purchase transactions from the date of purchase.

(b) Cash/Overdraft Advances A FINANCE CHARGE will be imposed on
Cash/Overdraft Advances from the date posted to the account to
the date paid.

14.  DAILY  BALANCE  COMPUTATION  METHOD: The  Credit  Union
figures the FINANCE CHARGE on your account by starting with your
Daily Balance (excluding unpaid FINANCE CHARGES) and multiplying
that number by the number of days during the Billing Cycle during
which you had that balance. We do this for each balance you have
during the Billing Cycle and add up the results. That total is the balance
used  to  determine  your  FINANCE  CHARGE and  is  divided  by  the
number of days in the Billing Cycle, then multiplied by the ANNUAL
PERCENTAGE  RATE  (APR),  then  divided  by  365  days,  and  then
multiplied  by  the  number  of  days  in  the  Billing  Cycle  to  get  your
FINANCE CHARGE for the Billing Cycle. FINANCE CHARGES start to
accrue on loan advances and on purchases from the date the loan
advance or purchase is posted to your account and your loan balance
is reduced when the Credit Union receives your payment or enters a
credit.  A  FINANCE  CHARGE will  not  be  imposed  on  the  portion  of
purchases that are paid within 25 days after the closing date.
15. DAILY PERIODIC RATE AND ANNUAL PERCENTAGE RATE:
VISA Platinum Cards - The Daily Periodic Rate used to compute the
FINANCE CHARGE on VISA Platinum Accounts is .0239726% with a
8.75% ANNUAL PERCENTAGE RATE.
VISA  Gold  Cards -  The  Daily  Periodic  Rate  used  to  compute  the
FINANCE CHARGE on VISA Gold Accounts is .0267123% with a 9.75%
ANNUAL PERCENTAGE RATE.
VISA Classic Cards - The Daily Periodic Rate used to compute the
FINANCE CHARGE on VISA Classic Accounts is .0287671% with a
10.5%  ANNUAL  PERCENTAGE  RATE,  .0349315%  with  a  12.75%
ANNUAL PERCENTAGE RATE, and .040411% with a 14.75% ANNUAL
PERCENTAGE RATE.
Refer  to  your  VISA  Credit  Card  approval  letter  for  your  applicable
ANNUAL PERCENTAGE RATE.
The FINANCE CHARGE for any Billing Cycle will be the sum of the FINANCE

CHARGE for purchases and the FINANCE CHARGE for cash advances.
16.  PROMOTIONAL  RATES: From  time  to  time,  we  may  offer
promotional Periodic Rates and ANNUAL PERCENTAGE RATES lower
than  the  Periodic  Rate  and  ANNUAL  PERCENTAGE  RATES
(“Promotional Rates”) stated in this Agreement. The terms of the any
promotional rates will be disclosed to you at the time of the promotion
in a separate addendum which will become part of this Agreement. At
the end of the promotional period, the Periodic Rate and ANNUAL
PERCENTAGE RATE for your account will be the same terms as set
forth in this Agreement.
17. OTHER FEES AND CHARGES:
(a) Late Payment Charge - If your Minimum Payment is not paid
within 10 days after the Payment Due Date, you will be subject to
a $15.00 charge or the maximum late charge allowed by applicable
law.

(b) Returned Check Charge - A S13.00 charge will be made when a
check submitted by you for payment on an account is returned to
us, regardless of the reason.

(c) Research and Copying - If you ask us to examine your account or
provide copies of documents, except in resolution of a billing error,
we may charge you $3.00 for each duplicate statement, $2.00 for
each interim statement, $3.00 for each photocopy of purchase
drafts, and $20.00 per hour for the research.

(d) Annual Membership Fee - None
(e) ATM Fees - If you use an ATM to obtain a cash advance and the
ATM is not operated by us, you may be charged an ATM surcharge
by  the  ATM  operator  or  an  ATM  network  utilized  for  such  a
transaction. The ATM surcharge may be charged to your account
if you complete the transaction.

18. PAYMENTS: We will apply your payments first to any billed fees,
then  to  late  charges,  then  to  the  FINANCE  CHARGES on  both
purchases  and  cash  advances,  then  to  the  principal  balances  of
purchases in the order they were posted to your account, and then to
the principal balance of cash advances. If two or more purchases were
posted on the same day, your payment will be applied to the smallest
first.
19. PERIODIC STATEMENTS: If, at the end of any monthly periodic
interval which we may determine (the “Billing Cycle”), you have an
outstanding undisputed debit or credit balance in your account, or if
there is a FINANCE CHARGE imposed with respect to your account, we
will send you a periodic statement for that Billing Cycle.
20. ACCOUNT STATEMENT: Unless you notify us of a billing error as
described below, you accept your periodic statements as accurate
statements of your account with us.
21. USE OF THE ACCOUNT BY OTHERS: If you permit another person
to use your account, you agree to pay for (1) any transactions made
by that person and (2) charges imposed on those transactions, even
if the amount of the actual use exceeds your permission to the extent
allowed by applicable law.
22. LIABILITY FOR UNAUTHORIZED USE: Lost/Stolen Notification: You
agree to notify us immediately, orally or in writing at Star One Credit
Union, P.O. Box 3643, Sunnyvale, California 94088-3643, telephone
408 543-5202 or 866 543-5202 of the loss, theft, or unauthorized use
of your Card or other credit instrument or device that we supply to you.
If you notify us of your lost or stolen Credit Card after discovery, you
may not be liable for any losses related to credit transactions. This zero
liability will apply provided you were not grossly negligent or fraudulent
in handling your Card; otherwise your liability for unauthorized Visa
Credit Card transations may be up to $50.
You 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
procedures as we may require with our processing and investigation.

Star One Credit Union 

Visa Platinum, Gold & Classic Credit Card 

Pricing Information Addendum 

INTEREST RATES AND INTEREST CHARGES 

Annual Percentage 
Rate (APR) for 
Purchases 

APR for Cash 
Advances & Balances 
Transfers 

8.75% Visa Platinum        9.75% Visa Gold 
12.75 -14.75% Visa Classic 
When you open a Visa Classic account, the  
applicable APR is based on creditworthiness 

8.75% Visa Platinum        9.75% Visa Gold 
12.75 -14.75% Visa Classic 
When you open a Visa Classic account, the  
applicable APR is based on creditworthiness 

How to Avoid Paying 
Interest on 
Purchases 

Your due date is at least 25 days after the close of each billing cycle.  
We will not charge any interest on the portion of the purchases 
balance that you pay by the due date each month. 

For Credit Card Tips 
from the Federal 
Reserve Board 

To learn more about factors to consider when applying for or using a 
credit card, visit the website of the Federal Reserve Board at 
http://www.federalreserve.gov/creditcard 

Annual Fee 

Transaction Fees 
-  Foreign 

Transaction Fees 

Penalty Fees 
-  Late Payment Fee 
-  Return Item Fee 

FEES 

None 

Up to 1% of the U.S. dollar amount of the foreign transaction. 

$15 
$13 

How We Will Calculate Your Balance: We use a method called “average daily 
balance [(including new purchases)]”.   

The Credit Card Pricing Information is current as of November 10, 2010.