VISA CARD ACCOUNT AGREEMENT AND FEDERAL TRUTH-IN-LENDING DISCLOSURE 
Effective February 1, 2010 

DEAR  MEMBER:  This  Visa  Card  Account  Agreement  and  Federal  Truth-in-Lending  Disclosure  (“Agreement”)  governs  your  Pacific  Service  CU  Visa  account 
(“Account”).   Your Visa account is an open end Line-of-Credit loan.  By requesting, receiving, signing, using or permitting others to use the Account and/or Visa 
card(s) issued to you by Pacific Service CU, you accept and agree to be bound by the terms and conditions of this Agreement and any amendments thereto. 
NOTICE:  THIS DOCUMENT CONTAINS PROVISIONS FOR A VARIABLE ANNUAL PERCENTAGE (INTEREST) RATE.   
AGREEMENT TERMS: In this Agreement, the terms “we,” “us,” “our,” “Pacific Service CU” and “the Credit Union” refer to Pacific Service Credit Union.  The terms 
“you,” “your,” and “Cardholder” refer to each and all who apply for or use the Account and/or card. “Card” means the Visa card issued to you by Pacific Service CU 
and any duplicates and/or renewals we may issue. If this is a joint Account, each Cardholder is individually and jointly liable for all amounts owing under the terms 
and provisions of this Agreement.  Use of the singular includes the plural, and use of the plural includes the singular. 
HOW TO USE THIS BROCHURE: Some information in this Agreement pertains only to specific card programs.  Section I gives information specific to our Visa 
Platinum Accounts; Section II gives information specific to our Visa Platinum Rewards Accounts; Section III pertains to all Pacific Service CU Visa accounts.  
CHANGE OF TERMS:  Account and Agreement terms are not guaranteed for any period of time.  You understand and agree that we may amend, modify, add to, 
or  delete  from  this  Agreement  any  of  its  terms  and  conditions,  including  financial  terms  such  as  the  method  of  application  and  the  amount  of  any  FINANCE 
CHARGE, ANNUAL PERCENTAGE RATE, Daily Periodic Rate and/or fee in accordance with applicable laws, by mailing a notice of the change to you at your last 
known address.  You also understand that in the event of a significant change, as defined under the Federal Truth-in-Lending Act, any such notice will be mailed at 
least forty-five (45) days prior to the effective date of the change as required by applicable law.  You will have the right to reject significant changes to this Agreement 
prior to the effective date of such changes, unless you fail to make a required minimum payment within sixty (60) days after its due date.  If you reject any such 
significant changes to this Agreement, we reserve the right to close your Account and require that you pay us the balance of the Account at terms no less favorable 
to you than our choice of the following: (1) in accordance with the terms of this Agreement in effect as of the date you notify us of your rejection; (2) by recalculating 
your Minimum Monthly Payment based on a five (5) year amortization of your Account balance from the date you notify us of your rejection; or (3) by recalculating 
your Minimum Monthly Payment based on a percentage of the Account balance that is no more than twice the percentage required on the date you notify us of your 
rejection.  We may change the terms of this Agreement based on information in your credit report, market conditions, business strategy or for any other reason.  
Notice of a change in terms is required, but may be sent as late as the effective date of the change when the change has been agreed to in writing, by you, or as 
otherwise permitted by applicable law. 
SECTION I:  
1.  

TERMS AND CONDITIONS APPLICABLE TO VISA PLATINUM ACCOUNTS 

FINANCE CHARGE RATE: The Daily Periodic Rate used in calculating the Daily Periodic FINANCE CHARGE for the Visa Platinum Account is based 
upon the “Prime Rate” as published in the “Money Rates” section of the print edition of the Wall Street Journal (the “Index”).  Your ANNUAL PERCENTAGE 
RATE for Cash Advances and Purchases is determined by adding the applicable “Margin,” as set forth in the “Additional Disclosure – Federal Truth-in-
Lending Act,” to the Index in effect as of the last business day of the preceding month of your Adjustment Date.  The Initial Daily Periodic Rate in effect as of 
the date of this Agreement is set forth in the “Additional Disclosure – Federal Truth-in-Lending Act” (the Initial ANNUAL PERCENTAGE RATE as of the 
date of this Agreement is set forth in the “Additional Disclosure – Federal Truth-in-Lending Act”).   
Your ANNUAL PERCENTAGE RATE may increase or decrease every month.  Any such change will be based on an increase or decrease in the Index as 
set forth below.  In the event that the Prime Rate ceases to be published, changes in the ANNUAL PERCENTAGE RATE will be related to a comparable 
Index.  We may waive an increase in the ANNUAL PERCENTAGE RATE when such an increase can be made, but such a waiver shall not be construed 
as a waiver of our right to increase the ANNUAL PERCENTAGE RATE at a future date when entitled to do so.   
Your ANNUAL PERCENTAGE RATE is subject to change monthly on the first day of the month.  These dates shall be known as “Adjustment Dates.”  The 
Index in effect on the last business day of the preceding month shall be used to calculate the ANNUAL PERCENTAGE RATE change effective on the 
Adjustment Date.  For example, the Index in effect on the last business day in January shall be used to calculate the ANNUAL PERCENTAGE RATE 
change effective on the first day in February.  All other Adjustment Date rate changes will follow the same pattern. 
There is no maximum ANNUAL PERCENTAGE RATE during the term of this Agreement.  The minimum ANNUAL PERCENTAGE RATE during the term 
of this Agreement is set forth in the “Additional Disclosure – Federal Truth-in-Lending Act”.  There are no annual (or other) limitations on changes in the 
ANNUAL PERCENTAGE RATE during the term of this Agreement.  Decreases in the ANNUAL PERCENTAGE RATE in accordance with the terms of 
the Agreement are mandatory.  Increases in the ANNUAL PERCENTAGE RATE in accordance with the terms of the Agreement are at our discretion.  Any 
increase or decrease in the ANNUAL PERCENTAGE RATE will result in changes in the amount and/or number of payments required to repay the unpaid 
balance. 
The Daily Periodic Rate is determined by dividing the ANNUAL PERCENTAGE RATE by 365 and will change when the ANNUAL PERCENTAGE RATE 
changes.   

SECTION II: 
1.  

TERMS AND CONDITIONS APPLICABLE TO VISA PLATINUM REWARDS ACCOUNTS 

FINANCE CHARGE RATE: The Daily Periodic Rate used in calculating the Daily Periodic FINANCE CHARGE for the Visa Platinum Rewards Account is 
based  upon  the  “Prime  Rate”  as  published  in  the  “Money  Rates”  section  of  the  print  edition  of  the  Wall  Street  Journal  (the  “Index”).    Your  ANNUAL 
PERCENTAGE RATE for Cash Advances and Purchases is determined by adding a “Margin” as set forth in the “Additional Disclosure – Federal Truth-in-
Lending Act” to the Index in effect as of the last business day of the preceding month of your Adjustment Date.  The Initial Daily Periodic Rate in effect as of 
the date of this Agreement is set forth in the “Additional Disclosure – Federal Truth-in-Lending Act” (the Initial ANNUAL PERCENTAGE RATE as of the 
date of this Agreement is set forth in the “Additional Disclosure – Federal Truth-in-Lending Act”).   

 
 
 
 
 
         
 
Your ANNUAL PERCENTAGE RATE may increase or decrease every month.  Any such change will be based on an increase or decrease in the Index as 
set forth below.  In the event that the Prime Rate ceases to be published, changes in the ANNUAL PERCENTAGE RATE will be related to a comparable 
Index.  We may waive an increase in the ANNUAL PERCENTAGE RATE when such an increase can be made, but such a waiver shall not be construed 
as a waiver of our right to increase the ANNUAL PERCENTAGE RATE at a future date when entitled to do so.  
Your ANNUAL PERCENTAGE RATE is subject to change monthly on the first day of the month.  These dates shall be known as “Adjustment Dates.”  The 
Index in effect on the last business day of the preceding month shall be used to calculate the ANNUAL PERCENTAGE RATE change effective on the 
Adjustment Date.  For example, the Index in effect on the last business day in January shall be used to calculate the ANNUAL PERCENTAGE RATE 
change effective on the first day in February.  All other Adjustment Date rate changes will follow the same pattern. 
There is no maximum ANNUAL PERCENTAGE RATE during the term of this Agreement.  The minimum ANNUAL PERCENTAGE RATE during the term 
of this Agreement is set forth in the “Additional Disclosure – Federal Truth-in-Lending Act”.  There are no annual (or other) limitations on changes in the 
ANNUAL PERCENTAGE RATE during the term of this Agreement.  Decreases in the ANNUAL PERCENTAGE RATE in accordance with the terms of 
the Agreement are mandatory.  Increases in the ANNUAL PERCENTAGE RATE in accordance with the terms of the Agreement are at our discretion.  Any 
increase or decrease in the ANNUAL PERCENTAGE RATE will result in changes in the amount and/or number of payments required to repay the unpaid 
balance. 
The Daily Periodic Rate is determined by dividing the ANNUAL PERCENTAGE RATE by 365 and will change when the ANNUAL PERCENTAGE RATE 
changes.   
ANNUAL FEE:  We will charge an Annual Fee to your Account annually on each anniversary of your Account opening.  Refer to the current Rate and Fee 
Schedule for the amount of the Annual Fee.  The Annual Fee will be waived if the Cardholder has an open Relationship Checking account on the same 
member account as the open Visa Platinum Rewards Account.  The Annual Fee will also be waived in the first year following Account opening for new 
Cardholders.   

2. 

SECTION III:  
1. 

TERMS AND CONDITIONS APPLICABLE TO ALL ACCOUNTS 

2.  

3.  

4. 

5. 

CREDIT LIMIT: A Credit Limit will be established by the Credit Union at the time your Account is opened.  This Credit Limit appears on the mailer you 
receive with your Visa card and on your monthly billing statement.  You agree not to use your Account in any way that will cause your balance to exceed 
your assigned Credit Limit. 
CARD USES: You agree that each use of your Account constitutes a loan in the amount of the transaction.  You may use your Account to obtain two types 
of credit, up to the amount of your available Credit Limit.  PURCHASES: You can use your Account to charge goods or services wherever Visa is accepted.  
CASH ADVANCES: You can use your Account to receive Cash Advances from the Credit Union or other financial institutions honoring Visa.  You can also 
use your Visa card with your Personal Identification Number (PIN) to receive Cash Advances at Automated Teller Machines (ATMs) displaying the Visa 
logo.  Visa checks are also available to obtain Cash Advances.  These checks may be supplied when an account is initially established, a Credit Limit 
increase is granted, and during occasional promotions.  Use of Visa checks as well as other periodic promotional checks and Account access means will be 
treated as a Cash Advance in calculating FINANCE CHARGES.  Visa checks are not considered a credit card purchase and therefore cannot be disputed 
once this item has been paid.  Any Balance Transfer transactions, in which you transfer all or a portion of your credit card account balance under a different 
account, whether the different account is with the Credit Union or another credit card issuer, to this Account will also be treated as a Cash Advance.  Your 
Visa card and/or account may not be used directly or indirectly for: (1) any illegal activity or transaction; or (2) any gambling, gaming, betting, or similar 
activity or transaction. Further, you may not utilize your Visa card and/or Account for the purchase of any goods or services on the Internet that involves 
gambling, gaming, betting or any similar transaction or activity. Such transactions include, but may not be 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.  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.  
OVERDRAFTS FROM CHECKING ACCOUNT: If you elected overdraft protection from your Account, we may, but shall not be required to, pay overdrafts 
to your Checking Account(s) by transferring funds in such sum(s) as established by us from time to time to cover such overdrafts from your Visa Account in 
which case such a transfer shall constitute a Cash Advance subject to the terms and conditions of this Agreement.  We will not pay overdrafts from your 
Visa Account if your Account balance exceeds the applicable Credit Limit or such overdraft transfer would result in the Account balance exceeding your 
Credit Limit.   
PROMISE TO PAY:  You authorize us to pay and charge your Account for all Purchases and Cash Advances made or obtained by you or anyone you 
authorize to use your Card or Account. You will be obligated to pay all such Purchases and Cash Advances charged to your Account whether resulting 
from: (1) actual use of your Card or Convenience Checks; (2) mail order or telephone, computer, or other electronic Purchases made without presenting the 
Card; (3) any other circumstance where you authorize a charge, or authorize someone else to make a charge, to your Account (collectively, “authorized 
charges”). You promise to pay us or to our order in U.S. Dollars with an instrument drawn on a financial institution in the United States at our office or at the 
address  set  forth  on  your  periodic  statement,  all  authorized  charges  on  the  terms  and  at  the  rates  set  forth,  herein,  plus  any  FINANCE  CHARGES 
assessed on your Account and any other charges and fees which you may owe us under the terms of this Agreement. Payments will continue until you 
have paid in full the unpaid balance, FINANCE CHARGES, and all collection-related charges, attorneys’ fees that we incur in enforcing this Agreement, and 
any other fees and charges.  
FINANCE CHARGE CALCULATION – AVERAGE DAILY BALANCE (INCLUDING CURRENT TRANSACTIONS): A Periodic FINANCE CHARGE for a 
billing cycle is calculated on the closing date of your statement by multiplying the Average Daily Balance of your Account (including current transactions) by 
the applicable Daily Periodic Rate (refer to Section I or II) and by the number of days in the billing cycle.  To get the “Average Daily Balance,” we take the 
beginning balance of your Account on each day of the billing period, add any new Purchases or Advances, and subtract any payments or credits, and any 

 
 
 
 
 
6.  

7.  

8. 

9.  

10. 

11. 

12. 

13. 

14. 

unpaid FINANCE CHARGES and Late Charges. This gives us the daily balance.  Then, we add all the daily balances for the billing cycle and divide the 
total by the number of days in the billing cycle.  This gives us the "Average Daily Balance.”  Actual FINANCE CHARGES will be shown on your statement. 
GRACE PERIOD: We will not assess any FINANCE CHARGES on Purchase balances if you pay the New Balance shown on your monthly statement by 
the Payment Due Date.  This grace period will always be at least 25 days long.  There is no grace period for Cash Advance transactions.  FINANCE 
CHARGES on Cash Advances begin on the date the Advance is posted to your Account and continue to accrue until the date the Advance is paid in full. 
REPAYMENT:    Every  month  you  agree  to  make  at  least  the  Minimum  Monthly  Payment  by  the  Payment  Due  Date  shown  on  your  monthly  billing 
statement.  The Payment Due Date will always be at least 25 days after the closing date of your statement.  The required Minimum Monthly Payment 
includes the Scheduled Payment ($25.00 or 3% of the New Balance, whichever is greater), PLUS any Scheduled Payments which have not been paid from 
previous billings (Past due), PLUS any amount of the New Balance which exceeds your Credit Limit (over limit) PLUS any fees.  If the New Balance on your 
statement is less than $25.00, the minimum payment due is equal to the New Balance.  You may always pay more frequently, pay more than the Minimum 
Monthly Payment, or pay the New Balance in full, and you will reduce your periodic FINANCE CHARGE by doing so. You understand and agree that we 
will apply Minimum Monthly Payments to your Account in the following order: First to unpaid fees and charges (such as Late Charges), then to unpaid 
FINANCE  CHARGES  on  both  Purchases  and  Cash  Advances,  then  to  outstanding  principal  balances  of  Cash  Advances  previously  billed,  then  to 
outstanding principal balances of Purchases previously billed, then to current Cash Advances (from the oldest to newest), then to current Purchases (from 
oldest to newest). If two or more transactions are posted on the same day, your Minimum Monthly Payment will be applied first to the smaller of them.  Any 
payment you make in excess of the Minimum Monthly Payment will be applied to the balance with the highest ANNUAL PERCENTAGE RATE first, if 
applicable, and then in the same order outlined above.  We may accept checks, money orders, or other types of payment marked “payment in full” or using 
other language to indicate full satisfaction of any indebtedness, without being bound by such language or waiving any rights under this Agreement. Full 
satisfaction of indebtedness shall be accepted by us only in a written agreement, signed by an authorized representative. Any payments not received by us 
on or before the Payment Due Date will be considered Past Due (in default). Payments for your Account should be sent to the Visa Credit Card Center at 
the  address  shown  on  your  billing  statement.  You  should  not  include  other  payments  or  deposits  with  your  Visa  payment.  If  you  do,  crediting  of  the 
additional payments or deposits will be delayed. 
PREPAYMENT OR IRREGULAR PAYMENTS: Though you need only pay the Minimum Monthly Payment, you understand that you have the right to 
repay the unpaid balance at any time without penalty.  You also understand that you will only be charged FINANCE CHARGES to the date you repay the 
entire unpaid balance.  You may make larger payments without penalty and this will reduce the total amount of FINANCE 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 prepayment of the unpaid balance will not delay your next scheduled due date.  You understand that any payment that (a) delays or (b) 
accelerates the repayment of the unpaid balance will (a) increase or (b) decrease your FINANCE CHARGES. 
LATE FEE: We will charge a Late Fee with respect to any monthly billing cycle as a late payment fee on the minimum payment due that is not paid within 
10 days after the date the payment is due. However, the Late Fee shall not exceed the maximum amount permitted under applicable state law. The Credit 
Union will assess only one late payment fee for each payment that is late. 
CREDIT LIFE AND/OR DISABILITY INSURANCE:  If credit insurance is offered on the Account and you request it, the premium will be calculated monthly 
by multiplying the premium rate by the outstanding balance on the Account. We will add the premium amount to the Account balance on the Billing Cycle 
Closing Date. The purchase of this insurance is entirely voluntary and is not required for credit approval. You acknowledge receiving a copy of the credit 
insurance documents which contain current rates and other information. You understand and agree that if you have premium(s) indicated on the election 
form they have been included as part of your payment. If you decide to cancel such insurance, you must do so in writing and you agree to pay all premiums 
up to the date we act on your request to cancel. You further understand that your payment will not decrease if you cancel your credit insurance, but will be 
applied to your remaining principal. 
OTHER CHARGES: Other charges which may be added to your Visa account are: 

Late Fee 
Sales Draft Copy Fee 
Statement Copy Fee 
Card Replacement Fee 
Returned Payment Fee 
Stop Payment Recurring Transaction 

These fees will be charged to your Account in accordance with our Rate and Fee Schedule for each applicable occurrence. 
PURCHASES AND ADVANCES: You may make purchases and request advances in accordance with then current loan policies up to your Credit Limit.  
You understand and agree that all purchases and other transactions requested by you or anyone you have permitted to use the Card(s) and/or Account are 
subject to our approval.  
USING THE CARD: To make a purchase or obtain an advance, there are two alternative procedures to be followed.  One is for you to present the Card or 
Card number to a participating Visa plan merchant, to us or to another financial institution, and sign or authorize a sales or cash advance draft.  The other is 
to complete the transaction by using the Personal Identification Number (PIN) in conjunction with the Card in an Automated Teller Machine (ATM) or other 
type of electronic terminal that provides access to the Visa system. 
ELECTRONIC FUND TRANSFER:  In the event a use of the Card or the Account number of the Card constitutes an Electronic Fund Transfer, the terms 
and conditions of your Electronic Fund Transfer Agreement and Disclosure with us shall govern such transactions to the extent the Electronic Fund Transfer 
Agreement and Disclosure expands or amends this Agreement and Disclosure Statement. 

 
 
 
 
 
 
 
                   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
15. 

16. 

17.  

18. 

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20.  

21.  

TRANSACTION SLIPS: Your periodic statement will identify the merchant, electronic terminal or financial institution at which transactions were made, but 
sales, cash advance, credit or other slips cannot be returned with the periodic statement.  You will retain the copy of such slips furnished at the time of the 
transaction in order to verify your periodic statement.  We may make a reasonable charge for any photocopies or slips you request. 
PLAN MERCHANT DISPUTES: We are not responsible for the refusal of any plan 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 plan merchant, and (a) your purchase was made in response to an advertisement we sent or 
participated in sending you; or (b) your purchase cost more than $50.00 and was made from a plan merchant in your state or within 100 miles of your 
current mailing address.  Any other dispute you must resolve directly with the plan merchant.  
RETURNS, ADJUSTMENTS, AND  CREDIT  BALANCES:  Merchants  and  others  who  honor  the  Account  and/or  card  may  give  credit  for returns  and 
adjustment by processing a credit slip which will be posted to your Account.  If credits and payments to your Account exceed what you owe, your Account 
will carry a credit balance which will be applied toward future Purchases, Cash Advances, or fees which post to your Account.  For Credit Balances of $100 
or more, we will transfer the Credit Balance to your Credit Union regular share account within 5 business day(s) of the Credit being posted to your Account.  
For Credit Balances less than $100, we will issue a refund at your written request or automatically after six (6) months. 
TRANSACTION LIMITS ON FREQUENCY AND DOLLAR AMOUNT: The following daily transaction limits (measured on a 24-hour period beginning at 
12:01 a.m. and ending at 11:59 p.m.) based on frequency and dollar amount apply and transactions attempted in excess of the following limits will be 
declined: (1) Visa Account transactions (including Purchases and Cash Advances) exceeding ten (10) transactions in a day; (2) Visa Account Purchases in 
excess of $10,000 in a day; (3) Visa Account Cash Advances obtained at a teller window in excess of $1,500 per day; and (4) Visa Account Cash Advances 
obtained at ATMs in excess of $510 per day. 
FOREIGN  TRANSACTIONS:    Purchases,  Cash  Advances  and  credits  made  in  foreign  currencies  will  be  billed  to  your  Account  in  U.S.  dollars.    The 
conversion to U.S. dollars will be made in accordance with the Visa operating regulations for international transactions.  Such regulations provide for either a 
0.80%  currency  exchange  fee  for  single  currency  international  transactions  (transactions  made  internationally  without  a  currency  conversion)  or  1% 
currency exchange fee for multi-currency international transactions (transactions made internationally that require a currency conversion), which is added to 
the amount of the Purchase, Cash Advance, or credit and retained by Visa.  The exchange rate between the transaction currency and the billing currency 
used for processing international transactions 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.  The conversion rate may be different than the rate on the day of the transaction or date of the posting of the Account.  When a credit to the 
Account does not fully offset a charge to the Account due to changes in the rate, you are responsible for the differences. 
IF YOUR CARD IS REFUSED: Some transactions may require authorization before the transaction is accepted.  Although you may have credit available, 
particular transactions may not be authorized due to operational difficulties or mistakes.  If your Account balance has exceeded your Credit Limit, or if your 
payment is past due, authorization for transactions may be declined.  Pacific Service CU and Visa International, Inc. are not liable if any merchant, financial 
institution, an ATM or any third party does not honor your Visa card. 
ADDITIONAL  CARDHOLDERS:  You  may  obtain  additional  cards,  at  no  extra  charge,  for  persons  you  designate  as  authorized  users  of  your  Pacific 
Service CU Visa Account.  The additional card(s) will be embossed with the additional Cardholder’s name(s). You agree to repay us according to the terms 
of this Agreement for all purchases, advances, FINANCE CHARGES, late charges and/or any over limit fees, if any, arising from 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 recover the additional Cardholder’s card and return it to us with written instructions to cancel the additional 
Cardholder’s privileges. 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 you or one of the other persons responsible to pay the Account. Any person using the Account and/or Card is jointly and 
severally responsible with you for charges he or she makes, but if that person signs the Card, he or she becomes a party to this Agreement and is also 
responsible for all charges on the Account, including yours. 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.  

22.   OWNERSHIP OF VISA CREDIT CARD: The card(s) is the property of the Credit Union and must be surrendered to the Credit Union, or its authorized 

23.  

24.  

representative, upon demand. 
CREDIT INFORMATION: You authorize us to investigate your credit standing when opening, renewing, or reviewing the Account, and you authorize us to 
disclose information regarding the Account to credit bureaus and other creditors who inquire of us about your credit standing to the extent authorized by law. 
We may adjust your Credit Limit or terminate your account based on our review of your credit standing and will give you notice if we make an adverse 
change. We may also investigate the information you gave on your application, and/or require that you provide us with updated financial information. We 
may report your performance under this Agreement to credit reporting agencies. If you ask us, we will tell you the names of the credit reporting agencies to 
which we report your performance. 
DEFAULT: You will be in default if (1) you do not pay on time or in the proper amount(s); (2) you fail to live up to any of the terms of this Agreement; (3) your 
creditworthiness is impaired, (4) you die, become insolvent, or are the subject of bankruptcy or receivership proceedings, (5) your Account balance exceeds 
your Credit Limit, (6) you fail to notify us of material change in your financial status and/or changes in your ability to repay any amount borrowed under this 
Agreement; (7) you have made any misrepresentations of your financial status on any credit application made to the Credit Union; or (8) you are no longer a 
member in good standing of the Credit Union. In the event of any action by us to enforce this Agreement, you agree to pay the costs thereof, reasonable 
attorney’s fees, and other expenses. You understand and agree that FINANCE CHARGES at the ANNUAL PERCENTAGE RATE as permitted under this 
Agreement will continue to accrue until you repay your entire loan.  Upon your default, you understand and agree that we have the right to temporarily or 
permanently suspend any and all Account and Card privileges and/or we may demand immediate payment of the unpaid balance, FINANCE CHARGES, 
late charges, over limit fees, our collection costs, reasonable attorney’s fees, and court costs (collectively, “collection-related charges”). You understand and 

 
 
 
 
 
 
 
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26.  

27.  

28.  

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30.  

agree that you will be subject to FINANCE CHARGES (at the applicable Daily Periodic Rate), late charges, over limit fees, and collection-related charges 
under the terms disclosed in this Agreement until you repay your entire loan. 
COLLECTION EXPENSE: You will be liable for any costs of collection we incur while handling your Account, including but not limited to court costs and 
reasonable attorney’s fees.  Collection costs may be added to your existing Visa Account balance.  If collection costs have been added to your Account 
balance, any payments you make may be applied to these costs before any other portion of your Account balance. 
TERMINATION: You may close your Account at any time by writing to us at the address provided in the Agreement and returning all issued cards to us.  If 
you default in any obligation under this Agreement or we have evidence or a reasonable belief you will be unable or unwilling to repay your Account, we 
may close your Account without prior notice to you.  We will notify you that we have terminated your Account and tell you why we have done so.  Even if 
your Account is terminated or closed, you must still pay us any outstanding balance, FINANCE CHARGES, late charges and over limit charges, if any 
according to the terms of this Agreement. 
RESPONSIBILITIES OF ACCOUNT HOLDER(S): You agree to notify us in writing of any change of Name, Address or Employment.  You are responsible 
for the safekeeping of your Pacific Service CU Visa card, the Personal Identification Number (PIN) associated with the Account, and any other information 
or devices which could encourage unauthorized use of the Account, including Visa checks. 
LOST OR STOLEN CARD, NOTIFICATION AND LIABILITY: You will notify us AT ONCE if you believe that the Card, Account number, PIN, Visa Checks 
or any combination of the four has been lost or stolen by immediately calling us at (888) 858-6878, ext. 6353 or after hours at (800) 543-5073.  Telephoning 
is the best way of keeping your possible losses down.  You also agree to reasonably assist us in determining the facts and circumstances relating to any 
unauthorized use of the Account. You understand that your total liability to us shall 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. Such liability does not apply 
when the Account and/or Card is used to make an electronic transfer. 
UNAUTHORIZED USE: If you notice the loss or theft of your credit card or a possible unauthorized use of your Card, you should write to us immediately at: 
Pacific Service CU, P.O. Box 8191, Walnut Creek, CA  94596-8191 or call us at (888) 858-6878, ext. 6231.  You will not be liable for the unauthorized use 
that  occurs  after  you  notify  us.    You  may,  however,  be  liable  for  unauthorized  use  that  occurs  before  you  notify  us.    In  any  case,  your  liability  for 
unauthorized use will not exceed $50.00. 
AMENDMENTS:  We  reserve  the  right  to  change  the  terms  of  this  Agreement,  including  but  not  limited  to  the  ANNUAL  PERCENTAGE  RATE,  the 
minimum payment amount, and the fee structure, by giving you 45 days written notice prior to the effective date of the change.  If you do not want the 
changes to apply to your Account, you can close your Account by giving us written notice and returning all issued cards to us.  You will still have to pay any 
balance you owe us, but under the old terms.  If you keep your card(s), you agree to the change in terms and the new terms will apply to all outstanding 
balances. 
DELAY IN ENFORCEMENT: We can delay enforcing any of our rights under this Agreement without losing them. 

33. 

31. 
32.   GOVERNING LAW: You understand and agree that this Agreement is made in California and shall 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 shall not be 
applied if they would result in the application of non-California law. 
INTEGRATED DOCUMENT(S): Any separate sheet of paper labeled “Visa Platinum and Platinum Rewards Agreement and Table – Federal Truth-in-
Lending Disclosure Statement” or “Additional Disclosure – Federal Truth-in-Lending Act” which is delivered together with this form is an integrated part of the 
Agreement and Disclosure Statement. 
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  purchases  and  advances.  You  understand  and  agree  that  we  may  suspend  the  Account  and/or  Card 
privileges during any period in which you do not maintain your membership with us. 

34. 

ADDITIONAL TERMS APPLICABLE TO VISA CHECKS: 

CHECK USES: You can use the Visa Checks (“Checks” or “Check”) to purchase goods and services or to obtain cash up to the amount of your Credit 
Limit.  Use of the Checks is a Cash Advance on your Visa Account.  Visa Checks are not considered a credit card purchase and therefore cannot be 
disputed once this item has been paid. 
LIMITATIONS: We are not required to honor a Check that will cause you to exceed your Credit Limit.  We will not pay a Check if at the time the Check is 
presented, you are in default or we have suspended, terminated or canceled the Account.  Each Check must be in the form we have issued to you.  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 the Checks.  You may not use 
the Checks to pay any amount that you owe us pursuant to this Agreement. 
PERIODIC STATEMENTS: Your periodic statement will show you an itemization of the Checks posted to the Account during the billing cycle.  Checks paid 
by us will not be returned to you with your periodic statement. 
RETURNED CHECK FEE: If your check cannot be paid, we may charge a fee, per returned check, which will be billed to the Account in accordance with 
our Rate and Fee Schedule. 
STOP PAYMENT: Provided such request is timely, so that we shall have a reasonable opportunity to act upon it under our rules, you may order stop 
payment on a Check drawn on the Account, other than one that has been guaranteed.  In the event of an oral stop payment order, the order shall be valid 
for only fourteen (14) days thereafter unless confirmed in writing.  Written stop payment orders will remain in effect only 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 order.  We will charge a 
stop payment fee in accordance with our Rate and Fee Schedule. 

 
 
 
 
 
 
SURRENDER OF VISA CHECKS: The Checks are our property.  We reserve the right to revoke them at any time.  You agree to return them at our 
request. 
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 Notice for future use. 
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, you must write to us at: 

Pacific Service Credit Union 
P.O. Box 8191 
Walnut Creek, CA  94596-8191 

You may also contact us on the Web: www.pacificservice.org  
In your letter, you must 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 I think there is an error on your bill, you must 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 automatic 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 or electronically at service@pacificservice.org.  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: 

•   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. 
•   Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 

While we investigate whether or not there has been an error: 

•   We cannot try to collect the amount in question, or report you as delinquent on that amount. 
•   The charge in question may remain on your statement, and we may continue to charge you interest on that amount. 
•   While you do not have to pay the amount in question, you are responsible for the remainder of your balance. 
•   We can apply any unpaid amount against your credit limit. 

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

•   If we made a mistake:  You will not have to pay the amount in question or any interest or other fees related to that amount. 
•   If we do not believe there was a mistake:  You will have to pay the amount in question, along with applicable interest and fees.  We will send you a 
statement of the amount you owe and the date the 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 
$50.00 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 $50.00. (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 have fully paid for the purchase. 

If all of the criteria above are met and you are still dissatisfied with the purchase, you must contact us in writing or electronically at: 

Pacific Service CU 
P.O. Box 8191 
Walnut creek, CA  94596-8191 
service@pacificservice.org 

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.   

All Rights Reserved. Revised 11/09 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Visa Platinum and Platinum Rewards 
Interest Rates and Charges 
Annual Percentage Rate (APR) for Purchases 

APR for Balance Transfers 

APR for Cash Advances 

Penalty APR and When it Applies 
How to Avoid Paying Interest on Purchases 

Minimum Interest Charge 
For Credit Card Tips from the Federal Reserve 
Board 

Fees 
Annual Fee 
     Platinum 
     Platinum Rewards 
Transaction Fees 

•  Balance Transfer 
•  Cash Advance 
•  Foreign Transaction 

Penalty Fees 

•  Returned Payment  
•  Late Payment 
•  Over-the-Credit Limit 

Other Fees 

•  None 

8.90% to 13.90% when you open your account, based on 
creditworthiness.  After that, your APR will vary with the market based on the 
Prime Rate. 
8.90% to 13.90% when you open your account, based on creditworthiness.  
After that, your APR will vary with the market based on the Prime Rate. 
8.90% to 13.90% when you open your account, based on creditworthiness.  
After that, your APR will vary with the market based on the Prime Rate. 
No penalty rate. 
Your due date is at least 25 days after the close of each billing cycle.  We will 
not charge you interest on purchases if you pay your entire balance by the due 
date each month. 
None 
To learn more about factors to consider when applying for or using credit 
cards, visit the Federal Reserve Board’s website at 
www.federalreserve.gov/creditcard

$0 
$25 annually; waived the first year or with Relationship Checking 

$0 
$0 
Less than 1.0%; 0.80% of each foreign transaction in U.S. dollars or 1.0% of 
each foreign transaction in a foreign currency 

$25 
$10   
$0 

How we will calculate your balance: We use a method called “average daily balance (including new transactions).” 

How we will determine your rate: Your APR will be determined by adding a margin to the Prime Rate.  The margin will range between 
4.00% and 9.00%, based on your creditworthiness. 

Minimum APR:  Minimum APRs have been established that will range between 8.90% APR and 13.90% APR, based on your 
creditworthiness.