Platinum Visa Cash Rebate 
Credit Card Agreement

INTRODUCTION.

1. 
This  Agreement  covers  your  OnPoint  Platinum  Cash  Rebate 
Credit  Card  account,  issued  by  OnPoint  Community  Credit  Union 
(“OnPoint”).    In  this  Agreement  the  words  “you,”  “your,”  “yours,” 
“applicant,”  and  “Borrowers”  mean  any  person  who  signs  the 
application for this Account, any joint obligor, guarantor, authorized 
user,  or  the  person  whose  name  is  embossed  on  the  Card.    The 
words “we,”  “our,” and “OnPoint” means OnPoint Community Credit 
Union.  The word “Card” means any one or more credit cards issued 
under OnPoint’s Platinum Cash Rebate Card program.  If you sign 
a written or online application for this Account or sign or use 
any  Card  or  PIN,  or  allow  others  to  use  the  Card  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 which will govern 
this Account.

2. 

ACCOUNT ACCESS.

A.  Purchases  and  Cash Advances.    You  must  sign  the  Card 
to use it.  Once you have signed the Card, you can use it to make 
purchase,  cash  advance  and  balance  transfer  transactions  up  to 
the full amount of your credit line.  You may use your Account to get 
cash advances from OnPoint.  You may also use your Card to get a 
cash advance from participating financial institutions or automated 
teller  machines  (ATMs).    You  may  use  your  Card  to  purchase 
goods and services any place your Card is honored by participating 
merchants.  No purchase amount may exceed the available funds 
in your account.  Only credit card balance transfers you make from 
another institution will be permitted and treated as a cash advance.  
OnPoint reserves the right to refuse any transaction that would draw 
upon insufficient funds.

B.  VISA  Convenience  Checks.    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.  
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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 
OnPoint  with  the  exact  information  describing  the  check.    If  you 
give  OnPoint  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 
Account.  OnPoint shall have no liability for any convenience check 
returned in excess of your credit line. 

C.  Overdraft  Advances.    In  the  event  we  have  approved 
overdraft  protection  for  you,  for  any  overdrafts  on  a  savings  or 
checking account of yours, we will treat the overdraft as a request for 
a cash advance on your credit line and we will transfer this amount 
to  your  overdrawn  account.    For  purposes  of  this Agreement,  an 
overdraft advance will be treated as a cash advance.

YOU PROMISE TO PAY.

3. 
You  promise  to  pay  OnPoint  all  such  amounts,  plus  any  Interest 
Charges,  which  arise  from  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 from 
the use.  You promise to pay OnPoint either by direct payment or by 
automatic transfers from savings or checking.

CREDIT LINE.

4. 
This  Agreement  will  constitute  a  revolving  line  of  credit  for  an 
amount which will be the credit line under your Account.  You may 
access your credit line through Card purchases, cash advances at 
participating merchants and loan checks.  We will advise you of the 
amount of your credit line on your statement.  That amount will be 
the maximum amount you may have outstanding at any one time. 
You agree not to attempt to obtain more credit than the amount of 
your  credit  line.    We  retain  the  right  to  increase  or  decrease  your 
credit line at any time for any reason.  Any increase or reduction on 
the limit of your credit line will be shown on your monthly statement 
or by separate notice together with any changes in the applicable 
minimum  monthly  payments.    Your  eligibility  for  this  credit  line  is 
determined  by  our  loan  policy  and  may  be  terminated  at  our  sole 
discretion, without demand or notice.  You may close your credit line 

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at any time by notifying OnPoint in writing and returning all Cards 
cut  in  half.    If  you  terminate  this Agreement  or  if  we  terminate  or 
suspend  your  credit  privileges,  the  provisions  of  this  Agreement 
and your liability hereunder shall otherwise remain in full force and 
effect until you have paid OnPoint all sums due OnPoint under this 
Agreement and returned all Cards.

5.  MINIMUM MONTHLY PAYMENT.
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%  of  your  outstanding 
balance  (“New  Balance”)  or  $10.00,  whichever  is  greater.    If 
your  outstanding  balance  is  $10.00  or  less,  you  agree  to  pay  the 
balance in full.  The total minimum payment due each month is the 
minimum monthly payment, any amounts past due and any overlimit 
amounts.    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  monthly  payment.   Your  payments  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  payment  will  be  allocated  first  to  higher  rate  balances, 
as  applicable.    From  time  to  time,  we  may  allow  you  to  skip  your 
minimum monthly payment due. If you choose to skip that payment, 
Interest  Charges  will  continue  to  accrue  in  accordance  with  this 
Agreement.    Payments  received  at:  OnPoint  Community  Credit 
Union, P.O. Box 31112, Tampa, FL 33631-3279 at or before 5:00 PM 
Eastern Time on any business day will be credited to your Account 
as of that date; payments received by mail at that address after 5:00 
PM Eastern Time, on a weekend or federal holiday will be posted to 
your Account as of the next business day.  Payment crediting to your 
Account may be delayed up to five days if your payment is received 
by mail at any other address or not accompanied by the remittance 
portion of your Account statement.

SECURITY INTEREST.

6. 
You  grant  OnPoint  a  security  interest  under  the  Oregon  Uniform 
Commercial  Code  in  any  goods  purchased  with  your  Card.    You 
agree that all collateral you have given OnPoint to secure other open-
end consumer loan obligations (except dwelling secured loans), in 
the  past  and  in  the  future,  will  secure  your  obligations  under  this 
Agreement.  In addition, by signing the Card Application, you have 
given OnPoint a security interest in all your deposits, present and 
future,  and  all  accounts  (except  Individual  Retirement  Accounts) 
with OnPoint.  You agree, upon default, OnPoint may apply all that 
is secured to pay any amounts due under this Agreement, without 
further notice to you.  You also agree that cross-collateralization is a 
condition of receiving your card.

7.  MONTHLY STATEMENTS.
Each  month  we  will  send  you  a  statement  showing  purchases, 
cash  advances,  payments,  and  credits  made  to  your  Account 
during the billing cycle, as well as your “New Balance,” any Interest 

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Charge  and  any  late  charge  or  other  charges.    Your  statement 
also will identify the Minimum monthly payment you must make for 
that  billing  period  and  the  date  it  is  due.    You  agree  to  retain  for 
statement verification copies of transaction slips resulting from each 
purchase,  each  advance,  and  other  transaction  on  your Account.  
Unless you notify OnPoint of a billing error as described below, you 
accept  your  monthly  statement  as  an  accurate  statement  of  your 
Account with OnPoint.

8. 

CIRCUMSTANCES  UNDER  WHICH  AN 
CHARGE WILL BE IMPOSED.

INTEREST 

The total outstanding balance of purchases and cash advances in 
the Account on the closing date of a billing cycle, including any fees 
and Interest Charges will be shown on the Periodic Statement for 
that billing cycle as the “New Balance.” 

A.  Cash  Advances.    An  Interest  Charge  will  be  imposed  on 
cash  advances  (including  balance  transfers,  convenience  check 
advances  and  overdraft  advances)  from  the  date  each  cash 
advance  is  made  or  the  first  date  of  the  billing  cycle  in  which  the 
cash advance is posted, whichever is later, until such advances are 
paid. There is no time period within which to pay to avoid a periodic 
Interest Charge on cash advances, including balance transfers and 
convenience check cash advances.

B.  Purchases.  An Interest Charge will be imposed on the portion 
of purchases  included in the new balance that remains unpaid 25 
days after the closing date.  This “grace period” allows you to avoid 
an Interest Charge on purchases for a billing cycle.  However, to the 
extent you do not pay your purchase transactions within the grace 
period, your Interest Charge will accrue from the date purchases are 
posted  to  your  account.    Interest  Charges  on  cash  advances  and 
balance  transfers  will  accrue  from  the  first  day  of  the  billing  cycle 
in which cash advances and balance transfers are posted to your 
account.  

9.  METHOD  USED  TO  DETERMINE  THE  BALANCE  ON 
WHICH  THE  INTEREST  CHARGE  MAY  BE  COMPUTED 
AND THE AMOUNT OF INTEREST CHARGE.

We figure the Periodic Interest Charge on your Account by applying 
the  Periodic  Rate  to  the  “Average  Daily  Balance”  of  the  account 
including current purchases and cash advances for your Account.  
To get the “Average Daily Balance” we take the beginning purchase 
and  cash  advance  balances  of  your  Account  each  day,  add  any 
new  purchases  and  cash  advances  and  subtract  any  payments 
or credits, unpaid Interest Charges and unpaid late charges.  The 
Interest  Charge  is  determined  by  multiplying  the  average  daily 
balance by the number of days in the billing cycle and applying the 
Periodic  Rate  to  that  amount.    No  Interest  Charge  is  imposed  on 
purchases  to  the  extent  payments  and  credits  for  purchases  are 
made within 25 days of the closing date of the previous billing cycle. 

10.  PERIODIC  RATE  AND  CORRESPONDING  ANNUAL 

PERCENTAGE RATE (VARIABLE).

The  Interest  Charge  imposed  during  the  billing  cycle  will  be 
determined  by  multiplying  the  Average  Daily  Balance  by  the 
Periodic  Rate  for  purchases,  cash  advance  and  balance  transfer 

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amounts.      The Annual  Percentage  Rate  is  variable  based  on  an 
index which is The Wall Street Journal Western Edition Prime Rate 
as  of  the  10th  day  of  the  month  (or  next  business  day  if  the  10th 
falls on a weekend), plus a margin. If the Prime Rate changes on 
the 10th day of the month, then these changes will be reflected in 
your Annual Percentage Rate and will go into effect on the 1st day 
of your next billing cycle following the change. The margin added to 
the index is as follows:

Purchases
3.65% to 13.65% margin for purchases and all purchase balances 
after  introductory  period  of  6  months  from  open  date  based  upon 
your credit worthiness

Cash Advances
5.65% to 15.65% margin for cash advances based upon your credit 
worthiness

Balance Transfers
Balance  transfer  amounts  and  existing  balance  transfers  are  the 
same as cash advances after twelve (12) month introductory period. 

The  range  of  fixed  Periodic  Rates  and Annual  Percentage  Rates 
offered by OnPoint are as follows:

Introductory Offers
• 
Purchase  -  3.99%  Introductory  Annual  Percentage  Rate 
(fixed)  for  purchases  during  the  1st  six  (6)  months  of  account 
opening (0.010932% Daily Periodic Rate).
• 
Balance Transfers - 6.99% Annual Percentage Rate (fixed) 
for  balance  transfer  amounts  made  in  1st  twelve  (12)  months  of 
account  opening  (0.019151%  Daily  Periodic  Rate).    After  twelve 
(12)  months  from  card  opening  date, Annual  Percentage  Rate  for 
balance transfer amounts and existing balance transfers same as 
cash advances.

The  Periodic  Rate  and  Annual  Percentage  Rate  for  purchases 
and  balance  transfers  during  the  six  (6)  and  twelve  (12)  month 
introductory periods following account opening are set forth above.  
Your  Periodic  Rate  and  Annual  Percentage  Rate  for  purchases, 
cash  advance  and  balance  transfer  amounts  will  be  disclosed 
to  you  separately  prior  to  use  of  your  Card  and  will  be  shown  on 
each  monthly  statement.    The  “Total  Interest  Charge”  shown  on 
your monthly statement consists of the periodic Interest Charge on 
purchases and the periodic Interest Charge on cash advances. 

In the event you are in default of this Agreement or if you have more 
than one late payment in twelve (12) months the Annual Percentage 
Rate on your entire outstanding balance will be increased by 3.00% 
above your current variable Annual Percentage Rate on the first day 
of the new billing cycle following the late payment or notice of default 
and will continue until you have six (6) months without any late or 
insufficient minimum payments or you satisfy the default condition. 

11.  CONDITIONS UNDER WHICH OTHER CHARGES MAY BE 

IMPOSED.

We may impose the following fees and charges on your Account:

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Late Fee.  If we do not receive your minimum payment within 
A. 
3  days  of  the  due  date,  we  may  impose  a  Late  Fee  of  $25.00 
(balances >$1000); $20 (balances $100-$1000); $10 (balance $99 
or  less).    If  you  have  more  than  one  late  payment  in  twelve  (12) 
months your account may be subject to a default Annual Percentage 
Rate as set forth above.

B.  Returned  Item  Fee.    If  any  check  we  receive  from  you  as 
payment on your Account is returned to OnPoint unpaid or for any 
convenience check drawn on your Account is returned unpaid, we 
may impose a returned item fee of $25.00.

C.  Card  Replacement  Fee. 
impose  a  $5.00  
replacement fee for each VISA card which is lost, stolen or damaged.  

  We  may 

D.  Annual Fee.  There is no annual fee for use of your Card and 
account.

E.  Miscellaneous  Photocopying.    If  you  request  a  copy  of  a 
sales draft or other document, we may charge your Account $2.00 
per copy and $25.00 per hour.  These charges cover the costs of 
locating, copying, and delivering the documents to you.  If a request 
is related to a billing error and an error is found, we will reverse any 
photocopying charges.

ATM Fees.  If you use an ATM to obtain a cash advance and 
F. 
the ATM is not operated by OnPoint, 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.

G.  Attorney’s  Fees  and  Costs.    If  you  default  on  any  part  of 
this Agreement, you agree to pay OnPoint all costs to collect your 
Account,  including  court  costs  and  reasonable  attorney  fees  and 
collection agency costs 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.

12.  CONDITIONS OF CARD USE.
Use of your Card and Account are subject to the following conditions:

A.  Ownership of Cards.  Any Card or other credit instrument or 
device which we supply to you is our property and must be returned 
to OnPoint, or to any person whom we authorize to act as our agent, 
or to any person who is authorized to honor the Card, immediately 
according  to  instructions.    The  Card  may  be  repossessed  at  any 
time at our sole discretion without demand or notice.  You cannot 
transfer your Card or Account to another person.  You may not use 
the Card for any illegal or unlawful transactions and we may decline 
to authorize any transaction that we believe poses an undue risk of 
illegality or unlawfulness.

B.  Honoring the Card.  Neither we nor merchants authorized to 
honor the Card will be responsible for the failure or refusal to honor 
the Card or any other credit instrument or device we supply to you.  
If a merchant agrees to give you a refund or adjustment, you agree 

6

to accept a credit to your Account in lieu of a cash refund.

C.  Currency Conversion/Foreign Transaction Fee. Purchases 
and cash advances made in foreign countries will be billed to you 
in  U.S.  dollars.  The  currency  conversion  rate  for  international 
transactions  as  established  by  VISA  International,  Inc.  is  a  rate 
selected  by  VISA  from  the  range  of  rates  available  in  wholesale 
currency markets for the applicable central processing date, which 
rate may vary from the rate VISA itself receives, or the government-
mandated rate in effect for the applicable central processing date.  
In addition, you will be charged a Foreign Transaction Fee of 1% of 
the transaction amount for any card transaction made in a foreign 
country.

D.  Notices  and  Payments.    All  notices  will  be  sent  to  your 
address as shown on your OnPoint account.  You agree to advise 
OnPoint promptly if you change your mailing address.  All payments 
should  be  mailed  to  OnPoint  at  the remittance  address  shown  on 
your monthly statements.   Payments  received  at that address will 
be credited to your Account as of the date received.

Security of Access Code. The personal identification number 
E. 
(PIN) or access code that you select is for your security purposes. 
The  access  code  is  confidential  and  should  not  be  disclosed  to 
third parties or recorded.  You are responsible for safekeeping your 
code.    You  agree  not  to  disclose  or  otherwise  make  your  access 
code available to anyone not authorized to sign on your accounts.  
If  you  authorize  anyone  to  have  or  use  your  access  code,  you 
understand that person may review all of your account information 
and  make  account  transactions.  Therefore,  we  are  entitled  to  act 
on  transaction  instructions  received  using  your  access  code  and 
you  agree  that  the  use  of  your  access  code  will  have  the  same 
effect as your signature authorizing transactions.  If you authorize 
anyone to use your access code in any manner that authority will 
be considered unlimited in amount and manner until you specifically 
revoke  such  authority  by  notifying  OnPoint  and  changing  your 
access code immediately.  You are responsible for any transactions 
made by such persons until you notify OnPoint that transactions and 
access  by  that  person  are  no  longer  authorized  and  your  access 
code is changed.  If you fail to maintain or change the security of 
these access codes and OnPoint suffers a loss, we may terminate 
your electronic funds transfer and account services immediately.

13.  DEFAULT.
You  will  be  in  default  under  this Agreement if any  of the  following 
occur:  (a) Any minimum monthly payment is not made when due; 
(b) You become insolvent, bankrupt, or you die; (c) You violate any 
part of this Agreement, or any other agreement with OnPoint; or (d) 
if we reasonably deem ourselves insecure on your credit line.  We 
will notify you in writing of any such action as soon as practical if it 
occurs.    Upon  default,  we  may  declare  the  entire  unpaid  balance 
immediately  due  and  payable,  and  you  agree  to  pay  that  amount 
plus any attorney’s fees and costs including collection agency costs 
incurred by OnPoint.  We can delay enforcing any right under this 
Agreement  without  losing  that  right  or  any  other  right. A  negative 
credit report reflecting on your credit record may be submitted to a 
credit-reporting agency if you fail to fulfill terms of this Agreement.

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14.  CREDIT INFORMATION/FINANCIAL STATEMENTS.
You authorize OnPoint to release information to others (e.g., credit 
bureaus, merchants, and other financial institutions) regarding the 
status and history of your credit line.  You agree to provide OnPoint, 
at any time we deem necessary, with a current financial statement 
and updated credit information upon request.  We may investigate 
your credit directly or through a credit reporting agency.

15.  UNAUTHORIZED USE, LOSS OR THEFT OF CARD. 
You  agree  to  notify  OnPoint  immediately  of  the  loss,  or  the  theft, 
or  the  use  without  your  permission,  of  any  Card  or  other  credit 
instrument or device which we supply to you.  You may be liable for 
the unauthorized use of your Card. You will need to notify: OnPoint 
Community  Credit  Union,  P.O.  Box  31112,  Tampa  FL  33631-3112 
or Telephone:  1-866-820-3101  orally  or  in  writing  of  loss,  theft,  or 
possible  unauthorized  use.  If  you  notify  OnPoint  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 
transactions shall not exceed $50. 

16.  BILLING  ERRORS  NOTICE  RIGHTS  FOR  CREDIT  CARD 

TRANSACTIONS.

Keep this document for future use. This notice tells you about your 
rights and our responsibilities under the Fair Credit Billing Act.

A. 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  OnPoint 
Community Credit Union, PO Box 31112, Tampa, FL 33631-3279.

In your letter, give us the following information:
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.

B.  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 

8

 
the error or explain to you why we believe the bill is correct.

The  charge  in  question  may  remain  on  your  statement,  and 

We cannot try to collect the amount in question or report you 

While we investigate whether or not there has been an error:
• 
as delinquent on that amount.
• 
we may continue to charge you interest on that amount.
• 
responsible for the remainder of your balance.
• 

We can apply any unpaid amount against your credit limit.

While you do not have to pay the amount in question, you are 

If we made a mistake: You will not have to pay the amount in 

After we finish our investigation, one of two things will happen:
• 
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.

C.  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,  contact  us  in  writing  at  the  above  address.  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.

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17.  AMENDMENTS.
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.

18.  GOVERNING LAW.
This Agreement will not take effect until it is approved by OnPoint.  
This  Agreement  shall  be  governed  by  the  laws  of  the  State  of 
Oregon.

19.  NOTICE AND AGREEMENT. 
You understand and agree to the terms and conditions in this VISA 
Credit Card Agreement. You acknowledge that you have received 
a copy of the Agreement.  This Agreement is a final expression of 
the  agreement  between  you  and  OnPoint.    This  Agreement  may 
not be contradicted by evidence of any oral agreement or alleged 
oral  agreement  and  contains  the  terms  applicable  to  the  credit 
transaction.  

20.  CASH REBATE TERMS & CONDITIONS.
You may earn Cash Rebates of 1.00% of new net retail purchase 
transactions  (qualifying  purchases  only,  less  credits,  returns  and 
adjustments) charged to your card each billing cycle. 

A.  Eligible  Transactions.    Balance  transfers,  cash  advances, 
including  purchases  of  money  orders  or  other  cash  equivalents, 
purchases  made  by  or  for  a  business  or  for  a  business  purpose, 
interest  charges,  unauthorized/fraudulent  transactions  and  certain 
other charges (i.e. a mortgage payment, late payment fees), do not 
earn Cash Rebates.

B.  Cash  Rebate  Calculation.    Fractions  are  truncated  at  the 
100th decimal place and are subject to verification. Accrual for Cash 
Rebates will begin on the first day of the billing cycle that includes 
the date the Cardholder is enrolled in the Program.  No retroactive 
cash will be awarded.  The amount of Cash Rebates a card holder 
can earn is unlimited.  Cash Rebates are credited in January, April, 
July,  and  October  of  each  year.  The  Cash  Rebates  earned  will 
automatically be deposited into your primary savings account prior 
to the end of each month (as specified above) and after the close of 
the monthly billing cycle for the credit card account if you are eligible. 

C.  Suspension  of  Benefits.    If  your  account  is  delinquent  60 
days or more, your participation in Cash Rebates will be suspended 
as well as all Cash Rebates earned.  No Cash Rebates will be paid 
out if you are delinquent on any OnPoint loans. Your earned Cash 
Rebates will be held in suspense until you bring account(s) current 
and make on-time payments for six (6) consecutive months.  Cash 
Rebates earned will only be credited for accounts that are open and 
in  good  standing  (not  past  due,  fraudulent,  overlimit,  restricted  or 
part of any bankruptcy settlement).  If your account has any status 
that means your card usage privileges have been revoked, you will 
forfeit your Cash Rebates permanently.  If your account is over its 
credit limit by more than 10.00%, the Cash Rebates calculation and 
distribution will be suspended.  Your Cash Rebates accumulation is 
held for future distribution which you shall receive if and when your 
account is brought back to good standing.  If your account is closed, 

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for a reason other than the Card has been lost of stolen, all Cash 
Rebates will be forfeited permanently.  

D.  No  Liability.    Neither  we,  nor  our  service  providers,  are 
responsible  for  inaccuracies  in  Cash  Rebates  accrual  due  to 
computer  error,  late  or  incorrect  data  submissions  or  any  loss 
incurred that may arise in connection with the use of these services.  
Neither  we,  nor  our  service  providers,  are  responsible  for  the 
performance by any merchant, service provider, or common carrier.

Introductory  Promotion.    For  the  first  six  (6)  months 
E. 
following the opening of your account you will earn an introductory 
3.00% of new net retail purchase transactions (consisting of 2.00% 
bonus  Cash  Rebates  and  1.00%  base  Cash  Rebates)  made  with 
the  card  at  any  eligible  gas,  grocery  and  drug  store  merchant.  
After  the  first  six  (6)  months,  Cash  Rebates  will  revert  to  1.00% 
as  described  above. To  be  eligible  for  bonus  Cash  Rebates,  your 
credit  card  account  must  be  opened  with  charging  privileges  and 
purchases must be made at an eligible merchant.  These merchants 
are  as  follows:    (a)  Gas  Stations  (MCC  codes  5541  and  5542); 
(b) Grocery Store (MCC code 5411); and (c) Pharmacy Stores 
(MCC  codes  5912).    Purchases  made  at  merchants  that  do  not 
process transactions under these terms will not qualify and you will 
not receive the bonus Cash Rebates.  

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